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Top Stories Today

Posted: 08 Dec 2019 07:59 AM PST

Top Stories Today


Need Alaska's Rural Police Force? Check The Suburbs

Posted: 05 Dec 2019 01:50 PM PST

Many remote Alaska Native villages have no law enforcement at all. But state troopers can be found in wealthier, and mainly non-Native, suburbs. Why?

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NATO World Leaders Ridicule, And Gossip About, Trump At The World Summit's Cafeteria

Posted: 08 Dec 2019 06:56 AM PST

Cafeteria gossip has always been an unforgiving playground of debate.

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'Horrific' 220-Pound Ball Of Plastic Found In Dead Sperm Whale

Posted: 03 Dec 2019 12:00 PM PST

A recently deceased sperm whale found was found with a tightly wound ball of marine debris in its stomach, including an alarming assortment of plastics.

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Nancy Pelosi Explains What She Thinks Of Trump And Prays For Him On 'Weekend Update'

Posted: 08 Dec 2019 07:01 AM PST

"Well, you never know who is self-identifying as a journalist these days," Pelosi, played by McKinnon, told Jost. "That word doesn't mean what it used to."

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The Sordid History Of Housing Discrimination In America

Posted: 04 Dec 2019 08:17 AM PST

How the real estate industry undermined black homeownership.

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McDonald's Is Desperate For A Trendy Chicken Sandwich — But It Shouldn't Be

Posted: 02 Dec 2019 12:12 PM PST

The McChicken doesn't capture the same excitement as Popeyes's fried chicken sandwich, so a direct competitor is on the way.

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Ryan Reynolds Realizes He's Trapped Inside A Video Game In 'Free Guy' Trailer

Posted: 07 Dec 2019 12:39 PM PST

Ryan Reynolds (actor, gin connoisseur) discovers he's an unplayable character in a video game, coming in theaters on July 3, 2020.

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You Can Now 3D-Print Your Own Baby Yoda

Posted: 04 Dec 2019 11:45 AM PST

Various official Baby Yoda toys will be available in a few months, but anyone with access to a 3D printer can print their own right now.

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These Maps Show The History Of Our World

Posted: 21 Nov 2019 02:16 PM PST

Need to brush up on your world history and geography? These maps hold the key to a better understanding. Plus, they look cool as hell.

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Behind The Walls Of Brazil's Secretive Gated Communities, And More Best Photography Of The Week

Posted: 06 Dec 2019 02:17 PM PST

The photographer who X-rayed Chernobyl, a Londoner's road trip though North America and other best photos of the week.

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Grab These Water-Resistant Wireless Earbuds For A Steal This Green Monday

Posted: 04 Dec 2019 11:33 AM PST

Looking for a great pair of wireless headphones? The Kharbon IP67's are designed with supreme water resistance to deliver elite audio in any weather. Get an extra 20 percent off $67.15 when you use GREENMONDAY20.

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Instagram Influencer Brother Nature Attacked On Camera In Miami Restaurant

Posted: 07 Dec 2019 11:17 AM PST

Brother Nature, an Instagram celebrity famous for taking photos with animals, was brutally attacked in Miami.

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Children Of The '80s And '90s, Prepare To Get All Nostalgic Over This Board Game

Posted: 25 Oct 2019 11:54 AM PDT

Perfect for bringing the joy of choice to a new generation of young adventurers — and filling mom and dad with goofy-smile memories.

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I Want That On A T-Shirt

Posted: 07 Dec 2019 09:43 AM PST

Artists on Twitter say that their work is regularly stolen by armies of bots that generate t-shirts from popular designs—and they've got the receipts to prove it.

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Watch Oklahoma Sooners Wide Receiver CeeDee Lamb Evade Nearly Every Baylor Tackle For An Incredible 71-Yard Return

Posted: 07 Dec 2019 11:34 AM PST

Oklahoma Sooners Wide Receiver CeeDee Lamb does some very impressive footwork on this outstanding play against the Baylor Bears.

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When A DNA Test Says You're A Younger Man, Who Lives 5,000 Miles Away

Posted: 07 Dec 2019 12:05 PM PST

After a bone marrow transplant, a man with leukemia found that his donor's DNA traveled to unexpected parts of his body. A crime lab is now studying the case.

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You Won't See A Better Inbound Pass Than The One Oklahoma City Thunder's Steven Adams Heaved To Tie The Game At The Buzzer

Posted: 07 Dec 2019 10:24 AM PST

Every angle of Steven Adams's now legendary game-tying pass.

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Latest World News, World News, Current Affairs, Daily Current Affairs

Posted: 08 Dec 2019 04:27 AM PST

Latest World News, World News, Current Affairs, Daily Current Affairs


North Korea Says It Has Conducted A 'Very Important Test' At It's Sohae Satellite Launch Site

Posted: 07 Dec 2019 08:12 PM PST

State media KCNA reported that a 'significant' test was carried out on Sunday, local time, at its Sohae satellite launch site, but did not specify what was tested at the site previously used to launch rockets into space.

Daily Mail: North Korea carries out 'very significant' test at satellite launch site a day after it said denuclearization talks with the U.S. were off the negotiating table

  * The test was carried out at North Korea's Sohae satellite launch site
  * State media KCNA did not specify what was tested, but said the results would 'be used for upgrading the country's strategic status'
  * Missile experts said the operation was likely a static test of a rocket engine
  * It comes after talks between U.S. and North Korea stalled, with the country's UN ambassador saying that denuclearization talks were off 'the table'

North Korea has carried out a 'very significant' test at its Sohae satellite launch site hours after it announced denuclearization talks with the U.S. were off the negotiating table.

State media KCNA reported that the test was carried out on Sunday, local time, but did not specify what was tested at the site previously used to launch rockets into space.

However, local media reports say a new satellite image indicated North Korea may be preparing to resume testing engines used to power satellite launchers at the site.

Analysts have said the site has never before been used to launch an intercontinental ballistic missile, but it has been used to test missile engines. Past satellite launches have helped scuttle talks with the United States.

Read more ....

More News On North Korea Saying It Has Conducted A 'Very Important Test' At Its Sohae Satellite Launch Site

North Korea carries out 'very important test' -- BBC
North Korea carries out 'very important' test at once-dismantled launch site: KCNA -- Reuters
North Korea conducts 'very important test': KCNA -- AFP
North Korea Says It Carried Out 'Very Important Test' at Missile-Engine Site -- The New York Times
North Korea says it has carried out a 'very important test' at its long-range rocket launch site -- Washington Post

North Korea's U.N. Ambassador Says Denuclearization Is Off The Table In Talks With The U.S.

Posted: 07 Dec 2019 07:48 PM PST



DW: North Korea says denuclearization off the table in US talks

North Korea does not need "lengthy talks" with the US and denuclearization is "already gone out of the negotiating table," Pyongyang's UN envoy said. "We'll see," responded US President Donald Trump.

The talks between Pyongyang and Washington are merely a "time-saving trick" for the US administration to advance its "domestic political agenda," the North Korean ambassador to the UN said on Friday, apparently referencing the 2020 election campaign.

"We do not need to have lengthy talks with the US now and denuclearization is already gone out of the negotiating table," ambassador Kim Song said.

Song also slammed the UK, France, Germany, Poland, Belgium and Estonia in his statement, after those countries condemned Pyongyang's repeated ballistic tests.

Read more ....

WNU Editor: President Trump and South Korea Moon know that they have a problem .... Trump, Moon discuss 'grave' Korea tensions in Saturday phone call (NYPost).

More News On North Korea's U.N. Ambassador Saying Denuclearization Is Off The Table In Talks With The U.S.

North Korea says denuclearization not on negotiating table -- ABC News/AP
North Korea's U.N. envoy says denuclearization off negotiating table with United States -- Reuters
North Korea says denuclearization off the table in US talks -- The Guardian
North Korea says denuclearization is off the table in talks with US -- France 24
North Korea says denuclearization is now OFF 'negotiation table' with US - and accuses Trump of using talks as 'time-saving trick' to help his reelection bid -- Daily Mail
North Korea's UN ambassador says denuclearization is off the table in talks with US -- CNN
N. Korea envoy at UN says denuclearization 'already off the table' in talks with US -- RT

Polls Predict A Comfortable Win For The UK Conservatives When Voters Go To the Polls This Thursday

Posted: 07 Dec 2019 07:26 PM PST



Reuters: Poll predicts UK Conservatives to win majority of 38 in election: Sunday Times

LONDON (Reuters) - British Prime Minister Boris Johnson's Conservative Party is on course to win a parliamentary majority of 38 seats in Thursday's election, according to a new poll, the Sunday Times' political editor reported.

A Datapraxis poll, using the multilevel regression and post-stratification (MRP) model, predicted that the Conservatives would win 344 seats, with the opposition Labour Party taking 221, the Times's Tim Shipman said on Twitter.

Read more ....

WNU Editor: I am skeptical that this is going to happen .... Calls grow to stop Boris Johnson with tactical voting as race tightens (The Guardian).

Update: When you are enjoying an eight to ten point lead, that is usually more than enough to form a majority government .... Knife-edge? UK's Johnson ahead but polls suggest majority might be tough (Reuters).

Update #2: My U.K. election prediction. My gut tells me that everyone has already made up their minds on who they re going to vote for. The Tories are going to win with a comfortable majority, and  Brexit will be a "fait-accompli" at the beginning of the new year.

More News On A Number Of Polls Published Today On The U.K. Election

UK PM Johnson sees lead over Labour edge up: YouGov poll -- Reuters
UK's Conservatives 11 points ahead of Labour before election: Deltapoll -- Reuters
UK PM Johnson's lead over Labour narrows: Savanta ComRes poll -- Reuters
UK PM Johnson's Conservatives keep 15-point lead over Labour: Opinium poll -- Reuters
Knife-edge? UK's Johnson ahead but polls suggest majority might be tough -- Reuters
Tories hold 15-point lead over Labour with just days until election -- The Guardian

U.S. And Iran Agree To a Prisoner Exchange

Posted: 07 Dec 2019 07:15 PM PST

Xiyue Wang, left, was arrested in Iran while researching Persian history for his doctoral thesis [Princeton University via Reuters]

ABC News Online: Iran-US prisoner exchange sees release of US scholar for Iranian scientist

Iran and the US have conducted a prisoner exchange that saw a detained Princeton scholar released for an Iranian scientist held by America, marking a rare diplomatic breakthrough between Tehran and Washington after months of tensions.

In a trade conducted in Zurich, Switzerland, Iranian officials handed over Chinese-American graduate student Xiyue Wang, detained in Tehran since 2016, for scientist Massoud Soleimani, who had faced a federal trial in Georgia.

While the exchange represents a rare win for both countries, it comes as Iran still faces crushing US sanctions and the aftermath of nationwide protests that reportedly saw over 200 people killed.

Read more ....

WNU Editor: This is just more proof to me that there are a lot of back-channels at work between the U.S. and Iran.

More News On The U.S. And Iran Agreeing To a Prisoner Exchange

Iran frees Chinese-American scholar for US-held scientist -- AP
United States and Iran swap prisoners in rare act of cooperation -- Reuters
Iran releases American graduate student in prisoner swap -- The Hill
American student Xiyue Wang freed in prisoner swap after three years in Iran jail -- NBC
US and Iranian men released in prisoner swap -- BBC
US scholar released in Iran, jailed Iranian scientist freed in prisoner swap -- DW
Iran frees Chinese-American scholar for US-held Iranian scientist -- Al Jazeera
U.S. hopes U.S. citizen's release means more progress possible with Iran -- Reuters
Factbox: Reactions to Iran-U.S. prisoner swap -- Reuters

Pensacola Naval Base Shooting -- News Roundup December 7, 2019

Posted: 07 Dec 2019 07:08 PM PST



Daily Mail: FBI hunt for missing Saudi servicemen as it's revealed Pensacola Naval base killer hosted dinner party to watch mass shooting videos and visited New York to see Rockefeller Christmas tree lights turned on just two days before

* Saudi military student Mohammed Saeed al-Shamrani, 21, killed three people and injured 12 when he opened fire at Navy Station Pensacola on Friday
* Another Saudi student allegedly videotaped the attack, while two others watched from a nearby car
* Authorities have now detained 10 Saudi students for questioning, a number revised up from six yesterday evening
* However, the FBI is still searching for 'several' other Saudis students who have not been seen since the attack
* al-Shamrani hosted a dinner party on Thursday evening with three other Saudi students where they watched videos of mass shootings
* He and fellow Saudi students also traveled to NYC in the days before the attack
* Investigators are now trying to work out their motives for the trip to the city

The FBI is reportedly hunting for several Saudi students from Navy Station Pensacola, after they vanished in the wake of Friday's mass shooting at the base.

Fellow Saudi Mohammed Saeed al-Shamrani, 21, killed three and wounded 12 others in the attack before he was shot dead by police.

According to AP, investigators have now detained 10 Saudi military students from the base - a number revised up from six - but several others remain unaccounted for.

Authorities have not revealed the number of Saudi students they are still looking for, and it's unclear why they have not come forward to police.

It follows chilling new details emerging in the wake of Friday morning's shooting, including news that three Saudi serviceman joined al-Shamrani for a dinner party the night before the attack where they watched videos of mass shootings.

Read more ....

WNU Editor: US Defense Secretary Esper is not ready to say that this was a terrorist attack .... US defense secretary can't label US base attack 'terrorism' at this point (The Hill). Hmmmm .... this looks like a deliberate terror attack.

Update: Really?!?!?!? You can start with the vetting process .... No Plans to Change Foreign Military Training After Pensacola Shooting, Top Generals Say (Military.com).

Update #2: This is what they always say after a major incident in a military base .... Navy, Pentagon to Review Base Security Following 3 Deadly Incidents in a Week (Military.com).

Pensacola Naval Base Shooting -- News Roundup December 7, 2019

Official: Base shooter watched shooting videos before attack -- AP
Pensacola attack: Gunman 'played mass-shooting videos at dinner' -- BBC
Saudi suspect in base attack hosted dinner party to watch mass shooting videos: report -- The Hill
Florida naval base shooting: Saudi student assailed US as 'nation of evil' -- France 24
Naval Air Station shooter wrote anti-American and anti-Israeli tweets before rampage: report -- FOX News
Saudi airman may have become radicalized before U.S. Navy base attack -- Reuters
Officials Continue Investigating Gunman's Motive in Navy Base Attack -- The New York Times
Saudi king orders compliance with US probe on Navy base shooting incident -- Jerusalem Post/Reuters
Pensacola shooting: Saudi king condemns 'barbaric' attack -- BBC
Pensacola naval base shooting tests US-Saudi relations -- AP
Hero Naval Academy grad shot 5 times at Naval Air Station relayed crucial information before succumbing to injuries -- FOX News
First Pensacola shooting victim is identified as Naval ensign, 23, whose brother says 'died a hero' and 'saved countless live' by crawling to alert police after being shot multiple times -- Daily Mail

World News Updates, World News, Current Affairs, Daily Current Affairs, World News Updates

Posted: 08 Dec 2019 01:50 AM PST

World News Updates, World News, Current Affairs, Daily Current Affairs, World News Updates


‘A vile, petty little man you are!’ Fury as Tusk makes SHOOTING gesture behind Trump

Posted: 07 Dec 2019 04:01 PM PST



DONALD TUSK has sparked outrage on social media for uploading a picture of himself making a gun gesture with his hand behind US President Donald Trump's back.

China’s unveils new wonder weapon in dramatic challenge to western power

Posted: 07 Dec 2019 10:22 PM PST



THE MYSTERY hardware that appeared unidentified at the the National Day parade in October has been identified by experts as a state of the art weapons system.

Melania Trump bombshell: Explosive new book reveals power behind White House throne

Posted: 07 Dec 2019 06:15 PM PST



DONALD TRUMP was pushed into running for US President by his wife, Melania, according to an an explosive new book about the First Lady.

Terrifying shark attack leaves Australian snorkeler with serious flesh wounds to arm

Posted: 07 Dec 2019 05:31 PM PST



A 57-YEAR-OLD Australian man had a miraculous escape, after surviving a vicious shark attack while out swimming on Saturday.

Elon Musk cleared of defamation makes it ‘open season for online insults’

Posted: 07 Dec 2019 04:01 PM PST



TESLA boss Elon Musk has been branded a "bullying billionaire" by lawyers representing the hero cave rescuer he dubbed "pedo guy".

World War 3: How Harold Wilson plotted nuclear deal with De Gaulle in snub to US 

Posted: 07 Dec 2019 08:00 PM PST



HAROLD WILSON plotted a nuclear deal with Former French President Charles de Gaulle in an attempt to gain access to the European Economic Community , documents seen by Express.co.uk reveal.

Pope Francis fury: How Vatican leader hit out at 'anti-Christian Trump'

Posted: 07 Dec 2019 05:00 PM PST



POPE FRANCIS has made progressive views a central theme of his revolutionary papacy in the Catholic Church, and this outlook saw him clash with US President Donald Trump over immigration.

France in flames as violent anti-Macron protesters riot across Paris and Nantes

Posted: 07 Dec 2019 08:13 AM PST



FRANCE was in flames today due to violent anti-Macron protesters tearing through the streets of Nantes and Paris in the 56th consecutive week of riots.

World War 3 alert: Nuclear missile panic as Israel fires mystery rocket 'aimed at Iran'

Posted: 07 Dec 2019 03:53 AM PST



A NUCLEAR-capable missile caused panic as Israel's latest military test on Friday is shrouded in mystery and secrecy.

World News, World News Updates, World News Headlines, Latest World News, Current Affairs

Posted: 08 Dec 2019 01:49 AM PST

World News, World News Updates, World News Headlines, Latest World News, Current Affairs


‘We Have to Keep Fighting.’ Thousands of Hong Kong Protesters Return to the Streets for Half-Year March

Posted: 08 Dec 2019 01:03 AM PST

Hongkongers returned to the streets Sunday for a mass march testing ongoing support for the increasingly violent antigovernment demonstrations that have seized the Chinese-ruled territory for six months.

Police gave the Civil Human Rights Front (CHRF) approval to hold the protest, the first time the organization has been granted an official green light for a march since August. Protesters aimed for huge crowds to signal to the Hong Kong government and its political masters in Beijing that the protracted movement has not lost steam.

Thousands assembled for a rally in Victoria Park before the march began, as overhead surveilling helicopters buzzed the high-traffic commercial area of Causeway Bay.

“I am exhausted internally and physically, but I will never say that I’m tired … and never give up,” says Eric, a 38-year-old who joined the march alongside his wife and their two and and five-year-old daughters. “In the next six months or the next six years we have to stick together until the government apologizes and takes responsibility for what they’ve done.”

Earlier in the day, police announced they had seized a semi-automatic pistol, five magazines and over 100 bullets they believe were intended for use during the march. Eleven people aged between 20 and 53 were arrested during three raids that also produced sabres, daggers, batons and pepper spray, local news broadcaster RTHK reported. Senior superintendent Li Kwai-wah said it was the first time in the half year of protests that a handgun was found.

The protests kicked off in June over a now-withdrawn extradition bill that would have allowed criminal suspects to be sent for trial in Communist Party-controlled courts in the Chinese mainland. It has since evolved into a broader challenge over Beijing’s hold on the city.

Seeking to preserve Hong Kong’s civil liberties and semiautonomy from perceived authoritarian encroachment, millions have taken to the streets. Their demands include greater democracy and an inquiry into the police’s use of force.

At the beginning of the movement in June, CHRF organized some of the biggest peaceful marches, estimating crowd sizes of first one and then two million at separate weekend protests.

Since then, police have banned many of the rallies, processions and public events, citing organizers’ inability to ensure the gatherings would not end in violent confrontations between protesters and police. With many of the events deemed “unlawful,” protesters have dwindled in number and become more violent.

Demonstrators have vandalized vehicles and shopfronts, and returned the police’s rubber bullets and tear gas with petrol bombs and bricks. Nearly 6,000 people have been arrested in the protests since June, three demonstrators have been shot by police and one protest detractor was set on fire.

As the unrest has morphed from weekend eruptions of street battles into weekday spontaneous lunchtime protests, Hong Kong’s reputation as one of Asia’s safest cities has eroded. For the first time since the global financial crisis a decade ago, the city tipped into a recession.

It remains unclear how long protests that have stretched into the winter will continue, and how far the central government will go to assert it grip on the enclave of 7.5 million people.

Sunday’s protest comes two weeks after pro-democracy politicians scored a landslide in local elections, a result that cast doubt on Beijing’s claims that a supposed “silent majority” opposes the demonstrations.

Despite protesters’ radical acts of civil disobedience, polls have shown widespread support for the movement’s demands. Sunday’s march was widely seen as another way to gauge the ongoing momentum.

Organizers billed the event as a “last chance” for the city’s embattled leader Carrie Lam to meet the protest demands.

“We have to keep fighting,” says Dave, a 45-year-old architect who joined the march. “An independent inquiry into the police is the most important demand. And [Chief Executive] Carrie Lam has to resign. She needs to go away.”

Protests Erupt as Russia Seeks Closer Ties With Belarus

Posted: 07 Dec 2019 01:40 PM PST

(MINSK, Belarus) — The leaders of Russia and Belarus spent more than five hours Saturday in sensitive talks on deepening ties between the two allies — a meeting that triggered a protest in the Belarusian capital among those who fear Russia’s intentions.

No immediate deal was announced after the talks in Sochi on Russia’s Black Sea coast between Russian President Vladimir Putin and Belarusian President Alexander Lukashenko, but a senior Russian official said they edged closer to an agreement.

More than 1,000 opposition demonstrators rallied in Minsk to protest closer integration with Russia, which they fear could erode the post-Soviet independence of Belarus, a nation of 10 million. The protesters marched across the Belarusian capital, chanting “No to integration!” and “Belarus to Europe!”

Lukashenko, who has ruled Belarus with an iron fist for more than a quarter-century, relies on cheap Russian energy and loans to maintain his country’s Soviet-style economy.

Russia and Belarus signed a union agreement in 1997 that envisaged close political, economic and military ties, but stopped short of forming a single nation.

The Kremlin has recently cranked up the pressure on Belarus, raising energy prices and cutting subsidies. Russian officials say Minsk should accept closer economic integration if it wants to benefit from lower energy prices.

Speaking at the start of talks in Sochi, Lukashenko urged Putin to continue sending fuel shipments to Belarus at Russia’s domestic prices.

“We just want equal conditions — nothing else,” Lukashenko said with a wry smile as he faced Putin across the table.

“We shall talk about future prospects. It’s a landmark meeting,” Putin said. “I hope we will keep doing all we can to make our peoples and nations feel close and keep moving primarily in the economic sphere, but also in the social field, to benefit from that integration.”

Russian Economics Minister Maxim Oreshkin said the two sides narrowed their positions on oil, gas and other disputed issues and the leaders instructed officials to continue to iron out the remaining differences. Putin and Lukashenko are to meet again on Dec. 20 in St. Petersburg.

Some in Belarus fear the new agreements could pave the way for a full merger of the two countries, concerns fueled by Russia’s 2014 annexation of Ukraine’s Crimean Peninsula.

There also has been speculation that Putin, who has been in power for nearly two decades, could contemplate a merger with Belarus as a way to stay at the helm of the new union state of Russia and Belarus after his current Russian presidential term expires in 2024.

“The Kremlin no longer wants to pay for rhetoric and is starting to demand political concessions from Minsk ahead of 2024, in a hint at the new state and the new job for Putin,” said Valery Karbalevich, an independent Minsk-based political analyst.

Putin has been coy about his future plans.

Lukashenko has bristled at the Russian pressure, charging that some Russian officials want to push Belarus into weakening its sovereignty. The Belarusian leader has vowed not to surrender Belarus’ post-Soviet independence but the opposition in Belarus has remained nervous.

“Politicians are playing with Belarusian sovereignty like in a card game, and we will keep protesting as long as a threat to our independence remains,” said Pavel Severinets, the organizer of Saturday’s rally.

The protest wasn’t sanctioned by the authorities, but police allowed the demonstrators to march across downtown Minsk.

“They are again trying to pull us back into that rotten empire that is trying to revive itself at the expense of neighbors,” said 19-year-old student Mikhail Olshansky, who covered his face with Belarus’ pre-Lukashenko red-and-white flag.

Lukashenko has shown little tolerance for dissent, earning him the nickname of Europe’s last dictator, but he has increasingly sought to reach out to the West as he faces pressure from Russia.

The U.S. and the European Union have repeatedly criticized Belarusian authorities for flawed elections and crackdowns on the opposition, but they have lifted some their sanctions in recent years as Belarus freed political prisoners.

“Minsk is playing a simple game, trying to win advantages for its Soviet-style economy by threatening to break the union with Russia and get closer to the West,” Karbalevich said. “That is the reason why repressions against the opposition were put on standby. Lukashenko doesn’t want to wake up one day as a provincial governor in Russia.”

___

Isachenkov reported from Moscow.

North Korea Says Denuclearization Is Off Negotiating Table

Posted: 07 Dec 2019 01:20 PM PST

(UNITED NATIONS) — North Korea said Saturday that denuclearization has “already gone out of the negotiation table” and it does not need to have lengthy talks with the United States now.

North Korea’s U.N. Ambassador Kim Song accused the Trump administration of persistently pursuing a “hostile policy” toward the country “in its attempt to stifle it” — and of using claims that it is engaged in a “sustained and substantial dialogue” with Pyongyang solely for “its domestic political agenda.”

Song’s statement was a response to Wednesday’s condemnation by six European countries of North Korea’s 13 ballistic missile launches since May. The North Korean envoy accused the Europeans of playing “the role of pet dog of the United States in recent months.”

His comments came as prospects dim for a resumption of nuclear diplomacy between the United States and North Korea.

Pro-China Protesters in Hong Kong Denounce Anti-Government ‘Rioters’

Posted: 07 Dec 2019 12:39 PM PST

(HONG KONG) — Only after finding safety in numbers, joining hundreds of other pro-government protesters in Hong Kong on Saturday, did Reddy Lin drum up the courage to slip into her red T-shirt marked, “China, I love you” and glue a heart-shaped Chinese-flag sticker on her face.

But for the train ride home, the teacher said she’d be taking all her pro-China garb off again. The risk of running into supporters from the rival camp, those who oppose China’s communist rulers, was simply too great, she said.

“It’s very dangerous. They’ll beat you,” she said. “They’re brutes.”

Lin and hundreds of other protesters waving red Chinese flags packed a Hong Kong park to vociferously denounce what they say is a reign of terror being imposed on the city by months of anti-government demonstrations. The protest highlighted the widening gulf between the pro- and anti-government camps in Hong Kong, with divisions that appear irreconcilable.

Compared to the hundreds of anti-government rallies that have gripped Hong Kong since June, the pro-China demonstration was like stepping through a looking glass. The Hong Kong police were praised as saviors, not bullies. China was presented as a country to love, not fear. Hong Kong was described as a city freer than most, instead of a place losing its liberties.

Chief among the demonstrators’ complaints was that they have grown scared of the black-clad, frequently violent hard core of the anti-government movement.

Calling them “rioters,” many said hard-line protesters are destroying Hong Kong’s freedoms, rather than protecting them, by resorting to violence.

In chants, the crowd called anti-government protesters “cockroaches.” Photos displayed at the rally showed the bloodied faces of people who have been attacked during protests. They have included people who’ve been deemed by mobs to be unsympathetic to the anti-government movement, including a man who was doused with inflammable liquid and set on fire last month.

“They destroy everything,” fumed Tata Tsg, a retiree at the rally who said she is now too scared to go out in the evenings. “Those bastards have freedom, I have no freedom.”

Tsg and two friends who joined her, sisters Angie and Winnie Choi, said it marked the first time that any of them, all in their fifties, had ever taken part in a protest. Angie Choi carried a poster marked: “Extreme rioters. Hong Kong suffers.”

Lin, the civics teacher who traveled from the neighboring Chinese city of Shenzhen for the protest in a small square amid Hong Kong tower blocks, collected hundreds of signatures for ‘Thank you’ letters she said she’ll mail to the territory’s much-maligned police force.

“They are working very hard,” she said. Lin said her 20-year-old son, who studies at a Hong Kong university, was too afraid to join her at the demonstration, scared that he might be recognized by classmates and “be beaten.”

The police force has become hated by many anti-government protesters, furious over riot officers’ liberal use of choking tear gas and thousands of often muscular arrests. A call for an independent probe of police behavior features among the anti-government movement’s main demands.

Hong Kong’s new police commissioner, Chris Tang, said Saturday in Beijing that he’ll adopt both “hard and soft approaches” for policing protests. He spoke after his first meetings with Chinese officials since his appointment last month.

Hurling gasoline bombs or stones are “violent actions we will not tolerate,” he said. “But for other incidents, such as protesters walking off-road or other minor incidents, we will take humanistic and flexible approaches.”

Those pledges will be tested by a rally Sunday of the anti-government movement that will offer a fresh gauge of its appeal and ability to continue mobilizing support.

At the pro-government rally, some demonstrators said they don’t feel great admiration for embattled Hong Kong leader Carrie Lam or her Communist Party bosses in Beijing but feel such great anger about protest violence that they had to turn out.

But leaving the rally, many demonstrators furled and put away their Chinese flags and peeled off red stickers they’d been wearing, for fear of running into opponents on their rides home.

“Who is more scary: the communists or the rioters?” said retiree Peter Pang. “I don’t like the government very much but I don’t like rioters even more.”

Reddit Says Leaked U.S.-U.K. Trade Documents Posted on the Site Are Linked to a Russian Information Campaign

Posted: 07 Dec 2019 10:44 AM PST

On Friday, Reddit said that its security team believes a collection of leaked United States-United Kingdom trade documents that had been posted on the site are a part of a coordinated information campaign to spread disunity linked to Russia.

“We were recently made aware of a post on Reddit that included leaked documents from the UK,” the statement said. “We investigated this account and the accounts connected to it, and today we believe this was part of a campaign that has been reported as originating from Russia.”

The site said it is banning one subreddit and 61 accounts for breaking Reddit’s policies against vote manipulation and misuse of the platform.

“Earlier this year Facebook discovered a Russian campaign on its platform, which was further analyzed by the Atlantic Council and dubbed ‘Secondary Infektion,'” Reddit’s announcement said. “Suspect accounts on Reddit were recently reported to us, along with indicators from law enforcement, and we were able to confirm that they did indeed show a pattern of coordination.”

In its analysis, the nonpartisan think tank the Atlantic Council described Secondary Infektion as using fake accounts, doctored documents, and various online platforms like Twitter, Facebook, Reddit and Medium to spread stories “that attack Western interests and unity.” The Council said the campaign is large and sophisticated, and thus likely run by an intelligence operation.

Reddit said it then used those accounts to identify others that they suspected were part of the Russian campaign. The accounts post in multiple languages in and subreddits for multiple regions.

“In late October, an account u/gregoratior posted the leaked documents and later reposted by an additional account u/ostermaxnn. Additionally, we were able to find a pocket of accounts participating in vote manipulation on the original post. All of these accounts have the same shared pattern as the original Secondary Infektion group detected, causing us to believe that this was indeed tied to the original group,” Reddit’s announcement continued.

The leaked trade documents have been a hostly debated topic in the upcoming British general election, as the management of the National Health Service has become of the most crucial issues for voters. Labor Party leader Jeremy Corbyn has argued the documents show the Conservative Party planning the privatization of the National Health Service and has said the release of the documents was in the public interest, according to the BBC. They came up a recent televised BBC debate, when Corbyn argued that Johnson wants to make a deal with the United States that would raise drug prices.

Besides the Reddit post with the leaked documents, none of the other posts had made much of a stir on the site, and many of the other posts were removed either by moderators or by other content moderation, per Reddit’s statement.

Reddit announced it will ban one subreddit and 61 accounts, and added, “[as] we have done with previous influence operations, we will also preserve these accounts for a time, so that researchers and the public can scrutinize them to see for themselves how these accounts operated.”

It’s been widely reported that U.S. intelligence community believes Russia has been operating misinformation campaigns around the world for years, most famously spreading false information, conspiracy theories, and hacked Democratic documents to hurt Democratic Nominee Hilary Clinton during the 2016 U.S. general election.

Thousands of Yellow Vest Activists Join French Pension Protests Amid Police Tension

Posted: 07 Dec 2019 07:55 AM PST

(PARIS) — Paris police skirmished Saturday with yellow vest activists joining a wave of protest actions against the government’s overhaul of France’s national retirement system, as highway blockades and train stoppages disrupted weekend travel around the country.

A few thousand yellow vest protesters marched from the Finance Ministry complex on the Seine River through southeast Paris, pushing their year-old demands for economic justice — and adding the retirement reform to their list of grievances. Most marchers were peaceful but some threw projectiles or pushed riot officers, prompting repeated bursts of tear gas from police.

The marchers appear to be emboldened by the biggest national demonstrations in years Thursday that kicked off a mass strike-and-protest movement against President Emmanuel Macron’s redesign of the pension system.

As the strikes entered a third day Saturday, tourists and shoppers faced shuttered subway lines around Paris and near-empty train stations.

Transportation workers are central to the strike, but other groups are joining the fray, too.

Truckers striking over a fuel tax hike disrupted traffic on highways from Provence in the southeast to Normandy in the northwest. A similar fuel tax is what unleashed the yellow vest movement a year ago, and this convergence of grievances could pose a major new threat to Macron’s presidency.

The travel chaos is not deterring the government so far, though. Prime Minister Edouard Philippe plainly told the French in a nationwide address Friday: “You’re going to have to work longer.”

He will present details of the plan next week. The government says it won’t raise the official retirement age of 62 but the plan is expected to including financial conditions to encourage people to work longer. Philippe did offer one olive branch, saying the changes would be progressive so that they don’t become “brutal.”

Macron says the reform, which will streamline a convoluted system of 42 special pension plans, will make the system more fair and financially sustainable.

Unions, however, see the plan as a threat to hard-fought workers’ rights, and are digging in for what they hope is a protracted strike. They also plan new nationwide retirement protests Tuesday, despite the tear gas and rioting that marred the edges of the Paris march Thursday.

Emmanuel Buquet, an unemployed 51-year-old from Rouen, said the mass protests gave a new impetus to the waning movement.

“Yellow vests are back out in the streets,” he told the AP. “It’s getting worse and worse, we’ve obtained nothing since last year, just crumbs. The reforms are getting stronger and stronger.”

In a society accustomed to strikes and workers rights, many people have supported the labor action, though that sentiment is likely to fade if the transport shutdown continues through next week.

“I knew it was going to last … but I did not expect it to be that chaotic,” Ley Basaki, who lives in the Paris suburb of Villemomble and struggles to get to and from work in the capital, told The Associated Press on Saturday at the Gare de l’Est train station. “There is absolutely nothing here, nothing, nothing. There is no bus, nothing.”

Many travelers are using technology and social networks to find ways around the strike — working from home, using ride-sharing apps and riding shared bikes or electric scooters.

But some are using technology to support the strike: A group of activist gamers is raising money via a marathon session on game-streaming site Twitch. Their manifesto says: “In the face of powers-that-be who are hardening their line and economic insecurity that is intensifying in all layers of the population,” they are trying to “occupy other spaces for mobilization and invent other ways of joining the movement.”

___

Angela Charlton in Paris contributed.

President Trump to Delay Listing Mexican Cartels as Terrorist Groups

Posted: 07 Dec 2019 07:15 AM PST

(WASHINGTON) — President Donald Trump said Friday in a tweet that he will hold off on designating Mexican drug cartels as terrorist organizations.

Trump said all the work had been completed and he was statutorily ready to issue a declaration but had decided to delay at the request of Mexican President Andres Manuel Lopez Obrador.

The Mexican government had pushed back against Trump’s plan, saying such a step by the U.S. could lead to violations of its sovereignty.

“All necessary work has been completed to declare Mexican Cartels terrorist organizations,” Trump wrote on Twitter. “Statutorily we are ready to do so.”

“However, at the request of a man who I like and respect, and has worked so well with us, President Andres Manuel @LopezObrador— we will temporarily hold off on this designation.”

Mexico’s president thanked Trump for his decision to “temporarily hold off” on designation Mexican drug cartels as terrorist organizations.

In a speech after Trump’s tweet, López Obrador said, “I thank Trump for having put off the decision … and having chosen understanding and cooperation.”

Under pressure from Trump’s threat to impose tariffs, Mexico has pressed thousands of national guard troops into service to help block Central American migrants from traveling through Mexico to reach the U.S.

In place of designating the cartels as terrorist outfits, Trump said the U.S. and Mexico instead will “step up our joint efforts to deal decisively with these vicious and every-growing organizations.”

Foreign Minister Marcelo Ebrard wrote that López Obrador also “respects and appreciates” Trump. “Cooperation won, and there will be good results,” Ebrard tweeted.

It was unclear if Mexico had promised Trump anything in return for suspending the designation, which could have caused Mexico headaches. Such a designation might require Mexico to periodically gain U.S. certification that it was cooperating in fighting the cartels, and could potentially have affected Mexico’s access to international lending agencies.

The issue came to the fore after the Nov. 4 slaughter of nine U.S.-Mexico dual nationals in the northern border state of Sonora by drug cartel gunmen.

Trump said in a radio interview just last week that he “absolutely” would move ahead with designating the drug cartels as terrorist organizations, attributing American deaths to drug trafficking and other activity by the cartels.

“I’ve been working on that for the last 90 days,” Trump said in the interview when host Bill O’Reilly asked whether such a designation would be forthcoming.

O’Reilly had asked if Trump would designate the cartels “and start hitting them with drones and things like that?”

Trump replied: “I don’t want to say what I’m going to do, but they will be designated.”

Iran Frees Chinese-American Scholar During Prisoner Exchange for U.S.-Held Scientist

Posted: 07 Dec 2019 06:58 AM PST

(TEHRAN, Iran) — Iran and the U.S. conducted a prisoner exchange Saturday that saw a detained Princeton scholar released for an Iranian scientist held by America, marking a rare diplomatic breakthrough between Tehran and Washington after months of tensions.

In a trade conducted in Zurich, Switzerland, Iranian officials handed over Chinese-American graduate student Xiyue Wang, detained in Tehran since 2016, for scientist Massoud Soleimani, who had faced a federal trial in Georgia.

While the exchange represents a rare win for both countries, it comes as Iran still faces crushing American sanctions and the aftermath of nationwide protests that reportedly saw over 200 people killed. Meanwhile, Western detainees from the U.S. and elsewhere remain held by Tehran. They are likely to be used as bargaining chips for future negotiations amid Iran’s unraveling nuclear deal with world powers.

Wang’s release had been rumored over recent days, with one lawyer involved in his case tweeting out a Bible verse about an angel freeing the apostle Peter just hours before Iranian Foreign Minister Mohammad Javad Zarif broke the news in his own tweet.

“Glad that Professor Massoud Soleimani and Mr. Xiyue Wang will be joining their families shortly,” Zarif wrote. “Many thanks to all engaged, particularly the Swiss government.”

President Donald Trump shortly after acknowledged Wang was free in a statement from the White House, saying the Princeton scholar would be “returning to the United States.”

“Mr. Wang had been held under the pretense of espionage since August 2016,” Trump said. “We thank our Swiss partners for their assistance in negotiating Mr. Wang’s release with Iran.”

The Swiss Embassy in Tehran looks out for America’s interests in the country as the U.S. Embassy there has been closed since the 1979 student takeover and 444-day hostage crisis.

Brian Hook, the U.S. special representative for Iran, accompanied the Iranian scientist Soleimani to Switzerland to make the exchange and will return with Wang, according to a U.S. official who spoke on condition of anonymity as the information had yet to be released. Hook and Wang were en route to Landstuhl hospital at Ramstein Air Base in Germany where Wang will be examined by doctors, the official said. Hook is expected to return to the U.S. from Germany alone, as Wang is expected to be evaluated for several days.

Although Hook was present for the swap, the official said Trump’s national security adviser Robert O’Brien played the lead role in the negotiations dating from his time as the special representative for hostage affairs at the State Department.

Iran’s state-run IRNA news agency later reported that Soleimani was with Iranian officials in Switzerland. Soleimani was expected to return to Iran in the coming hours. Zarif later posted pictures of himself on Twitter with Soleimani in front of an Iranian government jet and later with the two talking on board.

Wang was sentenced to 10 years in prison in Iran for allegedly “infiltrating” the country and sending confidential material abroad. His family and Princeton University strongly denied the claims. Wang was arrested while conducting research on the Qajar dynasty that once ruled Iran for his doctorate in late 19th and early 20th century Eurasian history, according to Princeton.

Hua Qu, the wife of Xiyue Wang, released a statement saying “our family is complete once again.”

“Our son Shaofan and I have waited three long years for this day and it’s hard to express in words how excited we are to be reunited with Xiyue,” she said. “We are thankful to everyone who helped make this happen.”

Princeton University spokesman Ben Chang said the school was aware of Wang’s release.

“We are working with the family and government officials to facilitate his return to the United States,” Chang said.

Iran’s Revolutionary Court tried Wang. That court typically handles espionage cases and others involving smuggling, blasphemy and attempts to overthrow its Islamic government. Westerners and Iranian dual nationals with ties to the West often find themselves tried and convicted in closed-door trials in these courts, only later to be used as bargaining chips in negotiations.

Soleimani — who works in stem cell research, hematology and regenerative medicine — was arrested by U.S. authorities on charges he had violated trade sanctions by trying to have biological material brought to Iran. He and his lawyers maintain his innocence, saying he seized on a former student’s plans to travel from the U.S. to Iran in September 2016 as a chance to get recombinant proteins used in his research for a fraction of the price he’d pay at home.

Tensions have been high between Iran and the U.S. since President Donald Trump unilaterally withdrew America from Tehran’s nuclear deal with world powers in May 2018. In the time since, the U.S. has imposed harsh sanctions on Iran’s economy. There also have been a series of attacks across the Mideast that the U.S. blames on Iran.

Zarif in September said in an interview with NPR that he had pushed for an exchange of Wang for Soleimani.

“I have offered to exchange them, because as foreign minister I cannot go to our court and simply tell them, ‘Release this man,’” Zarif said then. “I can go to the court and tell them, ‘I can exchange this man for an Iranian,’ and then … have a legal standing in the court.”

However, it remains unclear whether this exchange will have a wider effect on Iranian-U.S. relations. Iran has accused the U.S. without evidence of being behind the mid-November protests over gasoline prices. Meanwhile, the U.S. has said it seized Iranian missiles bound for Yemen, where Tehran backs rebel forces there that have been fighting a yearslong war with Saudi Arabia. Iran’s Supreme Leader Ayatollah Ali Khamenei has ruled out direct talks between the nations.

In June, Iran released Nizar Zakka, a U.S. permanent resident from Lebanon who advocated for internet freedom and has done work for the U.S. government. The U.S. deported Iranian Negar Ghodskani in September, who had been brought from Australia and later sentenced to time served for conspiracy to illegally export restricted technology from the U.S. to Iran.

Other Americans held in Iran include the octogenarian businessman Baquer Namazi who has been held for over two years and diagnosed with epilepsy.

Both Baquer Namazi and his son Siamak Namazi, also a dual national who has been held for over three years, are serving a 10-year sentence after they were convicted of collaborating with a hostile power.

An Iranian-American art dealer Karan Vafadari and his Iranian wife, Afarin Neyssari, received 27-year and 16-year prison sentences, respectively. Also held is U.S. Navy veteran Michael White, who is serving a 10-year sentence.

Former FBI agent Robert Levinson, who vanished in Iran in 2007 while on an unauthorized CIA mission, remains missing as well. Iran says that Levinson is not in the country and that it has no further information about him, but his family holds Tehran responsible for his disappearance.

U.S. Secretary of State Mike Pompeo, while saying Wang would soon be able to go home to his family, acknowledged other Americans remain held by Iran.

“The United States will not rest until we bring every American detained in Iran and around the world back home to their loved ones,” Pompeo said in a statement.

___

Gambrell reported from Dubai, United Arab Emirates. Associated Press writer Matthew Lee in Washington contributed to this report.

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Posted: 07 Dec 2019 10:10 PM PST

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Alternative Tax Net Operating Loss (ATNOL)

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Latest Govt Jobs, Sarkari Naukri, Results

Posted: 07 Dec 2019 09:46 PM PST

Latest Govt Jobs, Sarkari Naukri, Results


Download TN Postal Circle MTS Syllabus 2019 & Get Tamil Nadu Postal MTS Exam Pattern

Posted: 07 Dec 2019 04:15 AM PST

Tamil Nadu Postal Exam Syllabus 2019

The TN Postal Circle MTS Syllabus is provided along with the Exam Pattern here. Candidates can check the TN Postal Circle MTS Syllabus & TN Postal Circle MTS Solved Previous Papers given here to start the preparation. Candidates who have completed 10th or Matriculation or SSC or equivalent from a recognized University and applied for TN Postal MTS Recruitment can check the Exam Syllabus & Exam Pattern details here.

In this article, we presented the sub-topics of the Multitasking staff exam. Hence, have a look at the Tamilnadu State Post office MTS exam syllabus in the below sections. Make a schedule for the examination accordingly using the information about the Tamil Nadu Multitasking Syllabus & TN Multitasking Staff Exam Pattern given below for the guidance of candidates.

Download TN Postal Circle MTS Syllabus 2019 & Get Tamil Nadu Postal MTS Exam Pattern

TN Postal MTS Syllabus 2019

Organization Name Tamil Nadu Postal Circle
Name of the Post Multitasking Staff Posts
No.of. Vacancies 510
Examination Date  22nd December 2019
 Category  Syllabus
Job Location Tamil Nadu
Official Website   www.tncoopsrb.in

Tamilnadu Postal Exam Pattern 2019 – MTS Exam

Paper Subject Name No. Of. Question No. of. Marks Duration of Examination
Paper-I (Objective) Post Office Guide Part I 23 46 1 Hour (60 minutes)
Postal Manual Volume V 07 14
General Awareness Knowledge 10 20
Basic Arithmetic 10 20
Paper-II (Objective & Descriptive) Translation of words from English to local language 15 15 1 Hour (60 minutes)
Translation of words from local language to English 15 15
Letter writing in a local language in 40 to 50 words 3 (1 to be attempted) 10
Paragraph/ Short Essay in the local language of 40 to 50 words 3 (1 to be attempted) 10

The Exam pattern given in the above table shows the Written examination structure.

Selection Process:

  • Written Examination.
  • Interview.

TN Post Office MTS Exam Syllabus 2019

TN Postal Circle MTS Syllabus

Post Office Guide Part I:

  • Organization of the Department
  • Type of Post Offices
  • Business Hours
  • Payment of postage, stamps, and stationery
  • General rules as to packing, sealing, and posting, manner of affixing postage stamps
  • Methods of address
  • Postboxes and postbags
  • Duties of letterbox peon
  • Official postal address
  • Prohibited postal articles
  • Products and Services – Mails, Banking & Remittances, Insurance, Stamps and Business

General Awareness Knowledge:

  • Indian Geography
  • Civics
  • General Knowledge
  • Indian culture & Freedom struggle
  • Ethics and morale study

TN Postal Circle MTS Syllabus Arithmetic:

  • BODMAS (brackets, orders, division, multiplication, addition, subtraction)
  • Percentage
  • Profit and Loss
  • Simple Interest
  • Average
  • Time and Work
  • Time and Distance
  • Unitary Method.

Mathematics:

  • Decimal Fraction
  • Allegation or Mixture
  • Compound Interest
  • Probability
  • Square Root and Cube Root
  • Boats and Streams
  • Logarithm
  • Stocks and Share
  • Time and Distance
  • Quadratic Equations
  • Partnership
  • Ratio and Proportion
  • Races and Games
  • Pipes and Games
  • Pipes and Cistern
  • Permutation and Combination
  • Numbers
  • Height and Distance
  • Average
  • Surds and Indices
  • Simplification
  • Bankers Discount
  • Time and Work
  • Chain Rule
  • Area
  • Problems on H.C.F and L.C.M
  • Volume and Surface Area
  • Problems on Ages

TN Postal Circle MTS Syllabus – General English:

  • Spelling Test.
  • Sentence Arrangement.
  • Error Correction (Underlined Part).
  • Transformation
  • Passage Completion.
  • prepositions
  • Sentence Improvement.
  • Spotting Errors.
  • Antonyms
  • Homonyms,
  • synonyms
  • Word Formation
  • Direct and Indirect speech
  • Active and Passive Voice.
  • Para Completion.
  • Idioms and Phrases.
  • substitution
  • Joining Sentences.
  • Theme Detection,
  • Topic rearrangement of passage
  • Error Correction (Phrase in Bold).
  • Fill in the blanks.
  • Data Interpretation.
  • Spelling Test.
  • Sentence Completion.
  • Sentence Arrangement

General Knowledge:

  • About India.
  • History – India & World.
  • Cultural Heritage.
  • General Science.
  • Space & IT.
  • Indian Constitution.
  • National news (current).
  • Indian Culture.
  • Economy.
  • Political Science.
  • Indian National Movement.
  • Indian Polity & Governance.
  • Science & Technology.
  • Scientific observations.
  • International issues.
  • Abbreviations.
  • Economic Scene.
  • Everyday Science.
  • Sports and Games.
  • Science – Inventions & Discoveries.
  • Important Days.
  • General Knowledge of Karnataka.
  • Important Financial & Economic News.
  • Current Affairs – National & International.
  • Indian Constitution.
  • History.
  • General Politics.
  • Awards and Honors.
  • Culture.
  • Books and Authors.
  • Current events.
  • Geography.
  • Current Affairs.
  • Social Science.
  • Inventions in the World.
  • Indian Economy.
  • Indian Parliament.
  • Botany.
  • Chemistry.
  • Indian Politics.
  • Sports.
  • Zoology.
  • Environment.
  • Basic Computer.
  • Indian History.
  • Famous Days & Dates.
  • Famous Books & Authors.
  • Geography.
  • Physics.
  • Indian Culture.

TN Postal Circle MTS Syllabus – Tamil:

  • Vocabulary
  • Comprehension
  • Grammar
  • Transformation of Sentences
  • Synonyms
  • Idioms & Phrases
  • Fill in the Blanks
  • Tenses
  • Antonyms
  • Usage of Words

[TN Postal Circle MTS Syllabus PDF]

Tamil Nadu Post Office Previous Question Paper

 

TN Cooperative Bank Hall Ticket 2019 for Assistant & Junior Assistant @ tncoopsrb.in

Posted: 07 Dec 2019 03:47 AM PST

Tamilnadu Cooperative Bank Hall Ticket 2019 – The Bank has decided to conduct the examination on 29th December 2019. However, the bank will issue the hall ticket on the 03rd Week of December 2019. So, Eligible aspirants can download it from the bottom of the section after its release. Hence, the hall ticket will be available at the declared date on the official portal. Candidates who are interested to get the Bank Jobs must download the hall ticket for the exam hall entry.

TN Cooperative Bank Hall Ticket 2019 for Assistant & Junior Assistant @ tncoopsrb.in

Tamilnadu Cooperative Bank Hall Ticket 2019 – Overview

Name of the Board Tamilnadu Cooperative Bank
Name of the Post Assistant & Junior Assistant
No of Vacancies 300
Exam Date 29th December 2019
Category Admit Card
Admit Card Date 03rd Week of December 2019
Official Website tncoopsrb.in

Tamilnadu Cooperative Bank Assistant Admit Card 2019 Details

Authorities of Tamilnadu Cooperative Bank will discharge the TN Cooperative Bank Assistant, Junior Assistant Hall Ticket 2019 for all the effectively applied candidates. Also, competitors must remain cautious and download the Hall Ticket 2019 dependent on the application subtleties. Additionally, the higher individuals will carefully permit the individuals who convey the TN Cooperative Bank Assistant Hall Ticket alongside them. If not they can’t be gone into the test corridor.

  • Candidates Name
  • Name of the Candidate's Father
  • The venue of the Exam Centre
  • Date & Time of the Test
  • Reporting Time to the Exam Hall
  • Gender (Male/ Female)
  • Roll Number
  • Duration of the Online Test
  • Space for Invigilator's Signature
  • Registration Number
  • Name of the Test Centre
  • Category of the candidates
  • Space for Applicant's Signature
  • Name of the Exam Conducting Board
  • Photograph of the Candidate
  • Applicant's Date of Birth
  • Name of the Written Test
  • Important Guidelines for the Exam Takers
  • Full Name of the Applicant
  • Examination Centre Code
  • Signature of the Board Counselor

TN Cooperative Bank Assistant Exam 2019

Aspirants must download the Tamilnadu Cooperative Bank Hall Ticket from the below-provided section. Hence, the bank will conduct the selection process to recruit the applicants. Therefore, the board will conduct the exam at various locations. And it will be available on the TN Cooperative Bank Hall Ticket 2019. Hence, the bank has released the syllabus on its official portal for the exam preparation. Check for similar TN Govt Jobs Here.

[TN Cooperative Bank Assistant Syllabus 2019 – Get Here]

Documents with TN Cooperative Bank Admit Card 2019

Get the documents list that has to be carried for the exam hall along with the Tamilnadu Cooperative Bank Hall Ticket 2019. Download the hall ticket by providing the valid login credentials in it.

  • TN Cooperative Bank Exam Admit Card
  • Original Photograph
  • Voter Card
  • Pan Card
  • Employee ID
  • College ID
  • PAN Card
  • Passport
  • Driving License
  • Any other ID proof issued by a Gazetted Officer
  • Bank Pass Book with the photograph

TN Cooperative Bank Hall Ticket Download Steps 2019-20

  1. Click on the TN Cooperative Bank Assistant Hall Ticket.
  2. Enter the Registration Number and Password to get the admit card page.
  3. Enter the Captcha shown on the page.
  4. Now the TN State Cooperative Bank Admit Card will appear on the screen.
  5. Fill all the valid details in the hall ticket page.
  6. Check the details before submitting it.
  7. After the clear glance Submit the Admit Card.
  8. Finally, Download the Call Letter.
  9. Take a print out of the admit card and carry it for the Technician Examination.

TN State Cooperative Bank Admit Card 2019 – Important Links

Tamilnadu Cooperative Bank Hall Ticket Download Here
TN State Cooperative Bank Syllabus Get Here
Official Website Click Here

 

Tamil Nadu State Cooperative Bank Syllabus & Exam Pattern for Assistant & Jr. Assistant Exam

Posted: 07 Dec 2019 03:12 AM PST

Tamil Nadu State Cooperative Bank Syllabus 2019

Tamil Nadu State Cooperative Bank Syllabus – We provided the TNSC Bank Exam Syllabus in this article, you can get free download pdf for Assistant & Junior Assistant syllabus, if provided on the official website. Furthermore, information about the TN Cooperative Bank Notification, Syllabus, and Exam Pattern are stated here. Also, refer to the Tamil Nadu State Cooperative Bank Syllabus Pdf given below. So, Click on the link to get updates about the syllabus.

With the provided Exam pattern, individuals can get an Exam structure view. Check the Tamil Nadu State Cooperative Bank Syllabus given in the below sections. Make use of this section and prepare well for the TN Bank Assistant & Junior Assistant Exam. Scroll down to know more detailed information about TN Bank Assistant Syllabus.

Tamil Nadu State Cooperative Bank Syllabus & Exam Pattern for Assistant & Jr. Assistant Exam

TN Cooperative Bank Exam Syllabus 2019

Organization Name Tamil Nadu State Cooperative Bank
Name of the Post  Assistant & Junior Assistant
No.of. Vacancies   300
Examination Date  29th December 2019
 Category  Syllabus
Job Location Tamil Nadu
Official Website  www.tncoopsrb.in

Tamil Nadu Cooperative Bank Exam Pattern 2019

Subject Name No. Of. Question No. of. Marks Duration of Examination
Cooperative Management 200 170 1 Hour 30 Minutes
(180 Minutes)
Cooperative Credit & Banking
Cooperative Accounting
MIS and Computer Application/ Computer Fundamentals
General Studies
Tamil Language

Selection Process:

Aspirants who want to get placed for TN Cooperative Bank Jobs have to perform well in all of these phases.

  • Written Examination.
  • Interview.

Tamil Nadu State Cooperative Bank Syllabus 2019

 Cooperative Credit & Banking

  • Central Cooperative Banks (DCCB Banks) Organization
  • State Cooperative Banks
  • Classification of Credit
  • Structure of credit cooperatives federal/ Unitary and Mixed Type
  • Priority Sector Lending
  • Role of NABARD
  • Meaning & Definition of Banking
  • Banking Operations
  • Management of Funds in Banks
  • Banking services
  • Inspection/ Supervision of Cooperative Banks
  • Management of Overdues
  • Important provisions of B.R. Act 1949

MIS and Computer Application/ Computer Fundamentals

  • Business Application of Information System
  • Microsoft word
  • Introduction to Computer
  • Operating Systems
  • Spread Sheet
  • Microsoft Powerpoint
  • Using the Design Template
  • IT-enabled services
  • Network Security
  • Producing the slide show
  • Printing a presentation

Cooperative Management

  • Cooperative movement in India
  • Cooperatives after implementation of New Economic Policy
  • Evolution of Cooperative movement
  • Cooperative Movement Abroad
  • Cooperative management
  • Pioneers of Cooperative Movement in India and Abroad
  • Cooperative Administration & Law

Cooperative Accounting

  • Double Entry System of Accounts
  • Cooperative Audit
  • Final Accounts
  • Commerce
  • Definition, Meaning, Objectives of Accounting
  • Cooperative Accounting

Tamil language/ தமிழ் மொழி

  • சங்கம் மருவிய காலம்
  • புராணங்கள், இதிகாசங்கள், ஐம்பெரும்காப்பியங்கள் மற்றும் ஐஞ்சிறும்காப்பியங்கள்
  • தமிழ் மொழியின் வரலாறு
  • தமிழ் அறிஞர்கள்
  • தற்கால இலக்கியம்
  • தமிழ் இலக்கிய வராலாறு
  • இலக்கண நூல்கள்
  • தமிழ் புலவர்கள்

General Studies

  • Sports
  • World Organisations
  • Technology
  • General Science
  • Famous Places in India
  • Books and Authors
  • Honors and Awards
  • Inventions
  • World geography
  • Biology
  • Basic General Knowledge
  • Days and Years
  • Indian Culture
  • Famous Personalities
  • Indian Politics
  • Physics
  • Current Affairs
  • Indian History
  • Indian Geography
  • History
  • Indian Economy

Mathematics:

  • Problems On Ages
  • Clocks
  • Boats And Streams
  • Permutations And Combinations
  • Stock and Shares
  • Average
  • Compound Interest
  • Calendar
  • Volume And Surface Area
  • Simplification
  • Allegation Of Mixture
  • Problems On Trains
  • Percentage
  • Decimal Fractions
  • Partnership
  • Area
  • Logarithms
  • Banker's Discount
  • Problems On Numbers
  • Chain Rule
  • Races And Games Of Skill
  • Time And Distance
  • Pipes And Cisterns
  • H.C.F. and L.C.M of Numbers
  • Simple Interest
  • Ratio And Proportion
  • Profit And Loss
  • Heights and Distances
  • Operations On Numbers
  • Time And Work
  • True Discount

[Tamil Nadu State Cooperative Bank Syllabus PDF]

Notification Details: TN Cooperative Bank Recruitment

WBPSC Syllabus 2019 Pdf – West Bengal PSC IDO, Fire Operator & Others Exam Pattern @pscwb.org.in

Posted: 07 Dec 2019 02:13 AM PST

WBPSC Syllabus 2019 for various WBPSC Recruitment is available here. The West Bengal Public Service Commission announces the various Govt Jobs every year. The Aspirants who applied for the WBPSC Recruitment 2019 can check the Latest WBPSC Syllabus and Exam Pattern in the section. However, we updated the WBPSC Exam Syllabus & Pattern for clerk, Civil Service, Medical Technologist, Miscellaneous Services Recruitment Examination 2019, Accountant, SI, Fire Operator, JE and Other WBPSC Jobs below. Hence, click on the respective West Bengal PSC Syllabus link and check the details. Also, download the Syllabus and Exam Pattern Pdf for free from the links given below.

WBPSC Syllabus 2019

Post Name WBPSC Syllabus Link
Industrial Development Officer Click Here
Fire Operator Click Here
Clerk Click Here
Civil Services (Exec) Click Here
Medical Technologist Click Here
Miscellaneous Services Recruitment Examination 2019 Click Here
Motor Vehicle Inspector (Non-Technical) Click Here
Sub Inspector Click Here
Accountant Click Here 
WB Forest Service, Subordinate Forest Service Click Here
Civil Judges Click Here
Veterinary Officer Click Here

WBPSC LDO Syllabus 2019

WBPSC Syllabus – Download West Bengal PSCL IDO syllabus Pdf. Individuals participating in WBPSC IDO Recruitment 2019 Written examination can get the Syllabus and exam pattern details here. Eligible participants of Industrial Development Officer vacancies will be selected by Written examination. West Bengal Public Service Commission has declared an examination date as 22nd December 2019. So, the job aspirants can either download the syllabus or directly note down the topics given down the page.

 

WBPSC Syllabus 2019 Pdf   West Bengal PSC IDO, Fire Operator & Others Exam Pattern @pscwb.org.in

WBPSC Industrial Development Officer Syllabus 2019

Organization Name West Bengal Public Service Commission (WBPSC)
Name of the Post Industrial Development Officer
No.of. Vacancies   118
Examination Date  22nd December 2019
 Category  Syllabus
Job Location West Bengal
Official Website  pscwbapplication.in

WBPSC IDO Exam Pattern 2019

Subject Name No. Of. Question No. of. Marks Duration of Examination
Science, Humanities, Industrial Science, & Industrial Potential in West Bengal & India 75 75 1 Hour 30 Minutes
Mental Ability Test 25 25
Arithmetic

Selection Process:

Applicants of WBPSC IDO Recruitment 2019 will be selected based on the following selection procedure:

  • Written Examination.
  • Interview.

WBPSC IDO Exam Syllabus 2019

General Awareness Study Materials:

  • Knowledge of Current affairs
  • Culture and history of India including freedom struggle
  • Environmental issues concerning India and the World
  • General scientific and technological developments etc.
  • Indian Economy
  • Indian geography
  • Indian Polity and constitution

Reasoning Ability:

  • Classification
  • Coding and Decoding
  • Series
  • Direction and Distance
  • Time Sequence, Number and Ranking Test
  • Number Puzzle
  • Logical Sequence of Words
  • Venn Diagrams
  • Blood Relation
  • Analogy
  • Syllogism
  • Mathematical Operation
  • Arithmetical Reasoning
  • Clock and Calendar
  • Matrix Reasoning
  • Statement and Reasoning
  • Completion of Figure
  • Visual Reasoning
  • Cube and Dice
  • Paper Cutting and Folding

Quantitative Aptitude:

  • HCF & LCM
  • Algebraic Expressions and in Equalities
  • Average
  • Percentage
  • Profit and Loss
  • Number System & Simplification
  • Probability
  • Simple & Compound interest
  • Ratio and Proportion & Partnership
  • Time and Work & Pipes and Cisterns
  • Speed, Time & Distance (Train, Boats & Stream)
  • Mensuration
  • Trigonometry
  • Geometry
  • Mixture & Allegations
  • Data Interpretation
  • Number Series
  • Speed, Distance and Time
  • Time and Work
  • Number System

General English:-

  • Reading Comprehension
  • Jumbled Sentence
  • Phrase Replacement
  • Sentence Improvement
  • Cloze Test
  • Fill in the Blanks
  • Wrong Spelt
  • One Word Substitution
  • Error Spotting
  • Active Voice and Passive Voice
  • Direct and Indirect Speech
  • Match the following words
  • Choose the correct 'Synonyms'
  • Select the correct word (Prefix, Suffix)
  • Fill in the blanks with suitable Article
  • Fill in the blanks with suitable Preposition
  • Select the correct Question Tag
  • Select the correct Tense
  • Select the correct Voice
  • Fill in the blanks (Infinitive, Gerund, Participle)
  • Identify the sentence pattern
  • Find out the Error (Articles, Prepositions, Noun, Verb, Adjective, Adverb)
  • Select the correct Plural forms
  • Identify the sentence (Simple, Compound, Complex Sentence)
  • Identify the correct Degree
  • Form a new word by blending the words
  • Form compound words (Eg: Noun+Verb, Gerund+Noun)
  • Alliteration
  • Allusion
  • Simile
  • Metaphor
  • Personification
  • Oxymoron
  • Onomatopoeia
  • Anaphora
  • Ellipsis
  • Repetition
  • Apostrophe
  • British English – American English

General Studies

  • Tourism.
  • Current Affairs.
  • Famous Days & Dates.
  • Indian History.
  • Sports.
  • Rivers, Lakes, and Seas.
  • Civics.
  • Indian Economy.
  • Famous Places in India.
  • Biology.
  • Countries and Capitals.
  • Artists.
  • Literature.
  • Environmental Issues.
  • Heritage.
  • Famous Books & Authors.
  • Indian Parliament.
  • Geography.
  • Inventions and Discoveries.
  • General Science.
  • Indian Politics.

Mental Ability

  • Data Interpretation.
  • Directions.
  • Analogy.
  • Non-Verbal Series.
  • Syllogism.
  • Embedded Figures.
  • Statements & Arguments.
  • Statements & Conclusions.
  • Mirror Images.
  • Arithmetical Reasoning.
  • Number Series.
  • Alphabet Series.
  • Number Ranking.
  • Coding-Decoding.
  • Clocks & Calendars.
  • Blood Relations.
  • Decision Making.
  • Cubes and Dice.

[WBPSC IDO Syllabus PDF]


WBPSC Clerk Syllabus 2019 PDF

WBPSC Syllabus 2019: Dear Candidates !! Are you looking for the WBPSC Clerk Syllabus 2019? If yes then it is the right destination. Here, we had provided the details of West Bengal Public Service Commission Syllabus 2019 according to subject wise for Clerk Examination. The officials of the West Bengal Public Service Commission will be announced the examination date soon. So, check each and every piece of this page to know the detailed information on WBPSC Clerk Syllabus and the Exam Pattern 2019. Also, we have furnished the direct link to download the WBPSC Clerk Syllabus 2019 in PDF for free of cost according to subject wise. So, start preparing for the examination with all the particulars.

West Bengal Public Service Commission officials have released WBPSC Clerk Syllabus 2019 and Exam Pattern at its web portal. If you have applied for WBPSC Recruitment 2019 then you can download WBPSC Clerkship Examination Syllabus 2019 along with Exam Pattern from this page. Crack the Written Examination by preparing well with the help of the syllabus, exam pattern and the study materials that are available here. Start your preparation as soon as possible to be ready to take up the written exam. Therefore, Download Clerk Syllabus 2019 PDF from the direct links uploaded on this page. Prepare each and every topic of WBPSC Syllabus 2019 provided here to make yourself perfect. Refer the Exam Pattern along with the WBPSC Previous Papers with Solution to score qualifying marks in the examination.

WBPSC Clerkship Examination 2019 – Overview

Description Details
Name of the Organization West Bengal Public Service Commission
No of Vacancies Various
Name of the Post Clerk
Examination Clerkship Examination
Category Syllabus
Examination Date Updated Soon
Official Website pscwbonline.gov.in

WBPSC Clerkship Exam Pattern 2019 

Interested candidates can gather the WBPSC Clerk Exam Pattern 2019 details from the table given below. The written examination is conducted for all the applicants who had applied for the post of the Clerk. Here, all the aspirants can get the complete format of the Clerkship Examination. This West Bengal PSC Clerk Exam Pattern 2019 includes the name of the exam, number of questions, number of marks, name of the subjects, time duration, and others.

Part-I

Name of the Subject Number of Questions Number of Marks Time Duration
English 30 30 1 hr 30 mins
General Studies 40 40
Arithmetic 30 30
Total 100 100 1 hr 30 mins

Part-II

Section Name of the Subject Number of Marks Time Duration
Group A English 50 1 Hour
Group B Bengali/Hindi/Urdu/Nepali/ Santali 50
Combined Total 100

Selection Procedures:

The Selection Procedures will be based on the candidates’ performance in the following rounds. The West Bengal PSC Clerk  Selection Process 2019 detailed information is given in this section. Candidates who want to achieve their dream career through the clerkship examination have to perform well in all of these selection rounds. So, the WBPSC Clerk selection procedures are prescribed below

  • preliminary Examination
  • Mains Examination
  • Computer Knowledge Test
  • Typing Test
  • Document Verification

Preliminary Test Centers With Codes

01–Kolkata (North)
02–Kolkata (South)
03–Baruipur
04–Diamond Harbour
05–Barrackpore
06–Barasat
07– Krishnanagar
08-Howrah
09- Chinsurah
10–Burdwan
11–Asansol
12- Purulia
13–Medinipur
14–Tamluk
15-Jhargram
16–Bankura
17-Suri
18–Berhampore
19–Malda
20- Balurghat
21- Raiganj
22–Jalpaiguri
23–Alipurduar
24–Cooch Behar
25–Siliguri
26-Kalimpong
27–Darjeeling

[WBPSC Syllabus 2019 PDF]

Download WBPSC Syllabus 2019-20 PDF

Part-I

WBPSC Clerk Syllabus – English

  • Spellings/ Detecting Mis-spelt words
  • Antonyms and its correct usage
  • Common Error
  • Active/ Passive Voice of Verbs
  • Comprehension Passage
  • Spot the Error
  • Cloze Passage
  • Fill in the Blanks
  • Shuffling of Sentence parts
  • Conversions
  • Sentence Rearrangement
  • Grammar
  • Shuffling of Sentences in a passage
  • Improvement of Sentences
  • Synonyms/ Homonyms
  • Antonyms
  • Vocabulary
  • Idioms & Phrases
  • One word substitution

Clerk Syllabus 2019 – General Studies

  • Inventions and Discoveries
  • Heritage
  • Indian History
  • Environmental Issues
  • Famous Places in India
  • Biology
  • General Science
  • Famous Days & Dates
  • Civics
  • Current Affairs
  • Geography
  • Indian Politics
  • Sports
  • Artists
  • Indian Parliament
  • Countries and Capitals
  • Famous Books & Authors
  • Literature
  • Indian Economy
  • Rivers, Lakes and, Seas
  • Tourism

West Bengal PSC Clerk Syllabus 2019 – Arithmetic

  • Boats and Streams
  • Logarithm
  • Area
  • Simplification
  • Clocks & Calendars
  • Time and Distance
  • Partnership
  • Data Interpretation
  • Blood Relations
  • Height and Distance
  • Decimal Fraction
  • Ratio and Proportion
  • Simple Interest
  • Problems on H.C.F & L.C.M
  • Allegation or Mixture
  • Time and Work
  • Pipes and Cistern
  • Volume and Surface Area
  • Probability
  • Problems on Ages
  • Average
  • Permutation and Combination
  • Chain Rule
  • Square Root and Cube Root
  • Compound Interest
  • Surds and Indices

Part-II

Group A: English

  • Drafting of a report in English from points or materials supplied
  • Condensing of a prose passage (Summary/ Precis)
  • Translation from Bengali/ Hindi/ Urdu/ Nepali/ Santali, as the case may be, into English

Group B: Bengali/ Hindi/ Urdu/ Nepali/ Santali

  • Drafting of a report from points or materials supplied
  • Condensing of a prose passage (summary or précis)
  • Translation from English into Bengali/ Hindi/ Urdu/ Nepali/ Santali, as the case may be

 Important Links Related To West Bengal Public Service Commission


WBPSC Civil Service (Executive) Syllabus

Are you looking for WBPSC Civil Service Exam Syllabus 2019? Here you will get the syllabus pdf link to download for free of cost along with exam pattern 7 other related details. So, the candidates who have applied and appearing for the exam have to download WBPSC Exam Pattern & syllabus to understand the pattern or structure of the exam.

West Bengal Public Service Commission released the notification regarding the mains exam date and it is scheduled to be on 25th July 2019. Thus, in this article, we have given subject wise topics in the list form that will help candidates to study for the exam in a proper manner & successfully crack the WBPSC exam 2019.

PSC West Bengal Civil Service Exam Syllabus 2019 – Overview

Description Details
Organization Name West Bengal Public Service Commission (WBPSC)
Post Name Group A, B, C & D Posts
Vacancies Various
Category Syllabus
WBPSC CS Mains Exam Date 2019 25th to 28th July 2019
Official Website www.pscwbonline.gov.in

Selection Process:

  • Written Exam
  • Personality Test
  • Interview

West Bengal PSC Prelims Exam Pattern 2019

Topics Questions Marks
English Composition 200 MCQ’s 25
General Science 25
History of India 25
Indian Polity and Economy 25
General Mental Ability 25
Current events of National & International Importance 25
Geography of India with special reference to West Bengal 25
Indian National Movement 25
  • The Prelims exam consists of only one paper i.e. General Studies.
  • The exam will be for a total of 200 marks.
  • The duration of the exam will be 2 1/2 hours.
  •  The Standard of paper will be at the graduate level.

WB CS (Exec) Mains Exam Pattern 2019

Compulsory Papers Marks
Group ‘A’ Group ‘B’ Group ‘C’ Group ‘D’
Bengali/Hindi/Urdu/Nepali/Santali &
Translation from English to Bengali/Hindi/Urdu/Nepali/Santali
200 200 200 200
English & Translation from
Bengali/Hindi/Urdu/Nepali/Santali to English
200 200 200 200
General Studies-I 200 200 200 200
General Studies-II 200 200 200 200
Constitution of India and Indian Economy 200 200 200 200
Numerical & Reasoning Ability 200 200 200 200
Optional Subject (Anyone) 400 400
Personality Test 200 200 150 150
Total Marks 1800 1800 1350 1300
  • Out of 6 compulsory papers, Paper 1, 2 will be a conventional type and rest papers will be of objective type questions. Paper 1-6 will be up to Reasoning ability in the table.
  • Answers to questions can be either in English or Bengali except for language papers.
  • Optional Subjects are  Political Science & Botany.
  • For optional papers, answers can also be written in the Nepali language.
  • Aspirants should write in any one language in a particular paper.
  • There will be negative marking for wrong answers of MCQ type questions.

Personality Test

Groups Marks
Group A & B 200 Marks
Grp C 150 Marks
Group D 100 Marks

For much more related details visit the official site.

Download Civil Service Executive Syllabus Pdf

Numerical & Reasoning Ability

  • Data Sufficiency.
  • Logical Deduction.
  • Logical Reasoning.
  • The implication of sentences.
  •  The forcefulness of the Arguments.
  • Letter Series.
  • Diagrams Series.
  • Data Sufficiency.
  • Number series.
  • Analogy tests.
  • Data Interpretation.
  • Mathematical puzzles.
  • Symbol Interpretation.
  • Perception test.
  • The Odd man out.
  • Non-verbal reasoning etc.

Bengali

  • Topics from the History of Bangla Language
    • The chronological track from Proto Indo-European to Bangla (Family tree with branches and approximate dates).
    • Historical stages of Bangla (Old, Middle, New) and their linguistic features.
    • Dialects of Bangla and their distinguishing characteristics.
    • Elements of Bangla Vocabulary.
    • Forms of Bangla Literary Prose-Sadhu and Chalit.
  • Process of Phonetic Changes in Bangla Language

Constitution of India and Indian Economy

  • Constitution of India.
  • Role & Functions of RBI.
  • Central State Relation.
  • Central Finance Commission.
  • Functions of RBI and Monetary Policy.
  • Indian Economy.
  • Fiscal Policy of Government of India.
  • State Finance Commission.
  • Planning process & Objectives of five years plan.

WBPSC Bengali/ Hindi/ Urdu/ Nepali/ Santali Syllabus

  • Letter Writing.
  • Composition.
  • Translation from English to Bengali/ Hindi/ Urdu/ Nepali/ Santali etc.
  • Precis Writing.
  • Drafting of Report.

West Bengal PSC Civil Service Main Exam Syllabus – General Studies

  • Geography of West Bengal.
  • Environment.
  • Scientific & Technological Advancement.
  • Global Warming.
  • Biodiversity and Coastal Regulation Zone.
  • Indian History.
  • Geography of India.
  • Indian National Movement.
  • General Science.
  • Current Affairs – National & International
  • General Knowledge etc.
  • Ozone Layer & related issues
  • Industrial & Environmental Pollution.

General English

  • Composition.
  • Translation from Bengali/Hindi/Urdu/Nepali/Santali to English etc.
  • Letter writing.
  • Drafting of Report.
  • Precis Writing.

WB CS Main Exam Optional Subject Syllabus

  • Bengali.
  • Hindi.
  • Chemistry.
  • Civil Engineering.
  • Commerce and Accountancy.
  • Computer Science.
  • Economics.
  • Electrical Engineering.
  • Geography.
  • Sanskrit.
  • English.
  • Mathematics.
  • Management.
  • Mechanical Engineering.
  • Medical Science.
  • Philosophy.
  • Physiology.
  • Pali.
  • Arabic.
  • Persian.
  • French.
  • Urdu.
  • Santali.
  • Comparative Literature.
  • Agriculture.
  • Animal Husbandry and Veterinary Science.
  • Anthropology.
  • Botany.
  • Sociology.
  • Statistics.
  • Zoology.
  • Geology.
  • History.
  • Law.
  • Physics.
  • Political Science.
  • Psychology.

WBPSC syllabus 2019 Pdf Download  for Civil Services (Executive)

WBCS Mains Previous Year Question Paper Pdf 


WBPSC Syllabus for Medical Technologist 2019

West Bengal Public Service Commission (WBPSC) syllabus 2019 pdf download for Medical Technologist (X-Ray), Grade III available on this page. Candidates who have applied for the exam and are searching for complete syllabus details along with exam pattern check out this page. Download WBPSC Medical Technologist, Grade III syllabus in English & Bengali from the below sections and prepare for the exam.

WBPSC Recruitment 2019 notification was released in the month of June 2019 and the last date to apply for the exam is on 1st July 2019. Thus, aspirants who have not yet applied do it before the last date is over. The Board has released the Preliminary Screening Test (P.S.T) exam date and it will be held on  7th July 2019 (Sunday) from 11:00 AM to 12:30 PM at Commissions examination halls of West Bengal.

West Bengal PSC Exam Syllabus 2019 – pscwbapplication.in

Description  Details
Organization Name West Bengal Public Service Commission (WBPSC)
Post Name Medical Technologist (X-Ray), Grade III
Vacancies 13
Category Syllabus
Exam Date 7th July 2019 (11:00 AM to 12:30 PM)
Official Website www.pscwbapplication.in

Selection Process

  • Screening Test
  • Written Test
  • Personal Interview

West Bengal PSC P.S.T Syllabus & Exam Pattern 2019

Subject No. of Questions Marks
Physics 20 20
Chemistry 20 20
Biology 20 20
Radiography 40 40
Total 100 100
  • Each Question carries 1 mark.
  • Questions will be Objective type questions.
  • Duration of the exam is 1 hour 30 minutes
  • There will be 1/3 negative marking for each wrong answer.
  • Questions will be of Higher Secondary Standard.

Download WBPSC Syllabus in Bengali & English – Click Here


WBPSC Miscellaneous Syllabus

WBPSC Miscellaneous Syllabus 2019 is available here for the Miscellaneous Services Recruitment Examination 2019. Aspirants who are applying for the given posts need not worry as we have provided here the complete WBPSC Syllabus details along with Exam Pattern. The provided Exam Pattern will help the candidates to get an idea of the Prelims & Mains Examination. So, download the WBPSC Miscellaneous Syllabus Pdf from the below links and start your exam preparation as soon as possible.

West Bengal Public Service Commission is going to organize the Miscellaneous Services Recruitment Examination 2019 for the various posts under the Government of West Bengal. Applicants can fill their application form from 10th June 2019 to 1st July 2019. And, the preliminary examination will be conducted tentatively in the month of September 2019. For further details go through the WBPSC Recruitment 2019 Syllabus details here.

 Miscellaneous WBPSC Exam Syllabus 2019 – Details

Description Details
Name of the Organization West Bengal Public Service Commission (WBPSC)
Name of the Examination Miscellaneous Services Recruitment Examination 2019
Category Syllabus
WBPSC Miscellaneous Exam Date September 2019 (Tentative)
Official Website www.pscwbonline.gov.in

Candidates applying for the Miscellaneous Services Recruitment Examination 2019 will be selected based on the following criteria –

Selection Process:

  • Preliminary Examination
  • Mains Examination
  • Personality Test

WB PSC Miscellaneous Exam Pattern 2019

Preliminary Examination Pattern:

Subjects Maximum Marks Duration
General Studies 150 1 1/2 Hour
Arithmetics 50
Total Marks 200
  • It will consist of Multiple Choice Objective Type Questions
  • There will be a total of 100 MCQ’s
  • Each question will carry 2 Marks i.e. a total of 200 Marks
  • The total duration of the examination is 1 1/2 Hours

Mains Examination Pattern:

Paper Subjects Total Marks Duration 
Paper-I English 150 1 1/2 Hours
Paper-II Bengali/ Hindi/ Urdu/ Nepali/ Santali 150 1 1/2 Hours
Paper-III General Studies 100  2 1/2 Hours
Arithmetic 50
Total 450 5 1/2 Hours
  • The examination will consist of Conventional Type i.e. Descriptive Type Questions
  • There will be a total of three papers: Paper-I, Paper-II & Paper-III
  • The total marks for the examination are 450 Marks
  • For further details go through the Official Notification

Personality Test:

  • The Personality Test will be conducted for a total of 100 Marks

Download WBPSC Miscellaneous Syllabus Pdf 2019


WBPSC Motor Vehicle Inspector Syllabus 2019

WBPSC Motor Vehicle Inspector Syllabus 2019 is available here for the post of Motor Vehicle Inspector (Non-Technical). Candidates can get here the complete syllabus details along with Exam Pattern. So, go through the below sections and prepare well for your examination.

West Bengal Public Service Commission (WBPSC) has released the official advertisement notification for Motor Vehicle Inspector (Non-Technical) post. Candidates who have applied for the given post should now start their exam preparation.

 Description Details 
 Name of the Organization  West Bengal Public Service Commission (WBPSC)
 Name of the Post  Motor Vehicle Inspector (Non-Technical)
 No of Vacancies  Various
 WBPSC VMI Exam Date Update Soon
Category Syllabus
Official Website www.pscwbonline.gov.in

Candidates who are applying for the post of  Motor Vehicle Inspector (Non-Technical) will be selected based on the following selection criteria –

Selection Process:

  • Written Examination
  • Personality Test

WBPSC MVI Non-Technical Exam Pattern 2019

Part-I: Written Examination

 Subjects No of Questions Total Marks  Duration
General Studies  75 150  1 Hour 30 Mins
Science
Humanities
Arithmetic Problems (Madhyamik Standard)  25 50
  Total  100 200
  • The written examination will consist of Objective Type Questions
  • There will be a total of 100 questions
  • Each question will carry 2 Marks
  • The total marks for the examination are 200 Marks

Part-II: Personality Test

Candidates who qualify the Part-I Examination will be called for Part-II Personality Test. The Personality Test will be conducted by the Public Service Commission, West Bengal. The total marks for the Personality Test are 50 Marks.

WB PSC Exam Syllabus 2019 – Motor Vehicle Inspector (MVI)

West Bengal PSC Syllabus – General Aptitude

  • Verbal and Non-verbal types.
  • Discrimination, observation.
  • Arithmetical reasoning
  • General Intelligence.
  • Relationship concepts.
  • Questions on analogies, differences, similarities
  • Verbal and figure classification.
  • space visualization.
  • Arithmetical number series.
  • Questions to test the ability to deal with abstract ideas.
  • Symbols and their relationships.
  • Problem-solving, Analysis,
  • Visual memory.
  • Arithmetical computations.
  • Judgment, decision making.
  • Analytical functions.

West Bengal PSC Syllabus – English

  • Grammar.
  • Spot the error.
  • Vocabulary.
  • passage.
  • Fill in the blanks.
  • Spellings.
  • Synonyms/ Homonyms.
  • Clauses.
  • Antonyms.
  • Adjectives.
  • Sentence structure.
  • Verbs.
  • Verbal Comprehension passage etc.

PSCWB Syllabus – Arithmetic

  • Differential Equations.
  • Analytical Geometry.
  • Algebra.
  • Numbers.
  • Statistics.
  • Fundamental arithmetical operations.
  • Dynamics.
  • Number Systems.
  • Differential Geometry.
  • Real Analysis.
  • Statics.
  • Calculus.

WBPSC Motor Vehicle Inspector Syllabus 2o18 – Mechanical Engineering

  • Engineering Mechanics.
  • Inventory Control.
  • Energy conservation.
  • Engineering Materials.
  • The Strength of Materials.
  • Metal Casting.
  • Management Information System.
  • Production Planning and Control.
  • Machining and Machine Tool Operations.
  • Industry Safety.
  • Computer Integrated Manufacturing Design.

PSC West Bengal Exam Syllabus 2019 – Vehicle Maintenance

  • Vehicle maintenance.
  • Motor vehicle laws.
  • Pollution standards.
  • Road safety rules.
  • First Aid.
  • Fire Hazard.

WBPSC MVI Syllabus 2019 – Automobile Engineering

  • The Strength of Materials.
  • Mechanical Testing and Quality Control.
  • Automobile Engines.
  • Manufacturing Technology.
  • Automobile Maintenance.
  • Heat Power Engineering.
  • Two and Three Wheeler Technology.
  • Industrial Robotics.
  • Tractor and Farm Equipment.
  • Aeronautics Engineering.
  • Industrial Automation.
  • Body Building Engineering.
  • Computer Integrated Manufacturing
  • Alternative Fuels and Energy Systems.
  • Automobile Transmission.
  • Industrial Management and Road Transport Organization.

WBPSC MVI Syllabus Pdf 2019


WBPSC Accountant Syllabus 2019

The West Bengal Public Service Commission has released the notification for 200 vacancies for the posts of Accountant. Candidates who have applied the given posts can download there admit card. Applicants who have not applied it yet for WBPSC Jobs 2019 can apply here by following our page.

West Bengal PSC Accountant Syllabus 2019 Details

Description Details
Job Designation Accountant
No of Posts Various
Category Name Syllabus
Official Website www.pscwbonline.gov.in

WBPSC Exam Pattern for Accountant Vacancy 2019

The West Bengal Public Service Commission Examination will be held in 2 stages: Prelims Examination and Mains Examination. Here candidates can know the structure of the Question Paper, Exam Duration, Marking Scheme and all other relevant details needed to prepare for the WBPSC Recruitment 2019.

WBPSC Accountant 2019 – Prelims Exam Pattern

 Subject  Standard Total Questions   Marks
 General Knowledge  Madhyamil or Equivalent & General  35  35
 English  Higher Secondary or Equivalent  40 40
 Mathematics  Madhyamil or Equivalent  50 75
   Total  125  150
  • The Exam Paper will be in Objective Type consisting of 125 MCQ.
  • It will carry 150 marks
  • The Exam Duration is 2 Hrs
  • Each Question Carries one Mark
  • There shall be negative marking of 1 mark per 4 wrong answers.

www.pscwbonline.gov.in Accountant Mains Exam Pattern 2019

 Name of the Subjects  Marks Allotted
 English Precis Writing  15
 English Report Writing  15
 Essay Writing in English and any one of the language: Bengali/Urdu/Hindi/Nepali/Santali  35
 Letter Writing in English and any one of the language: Bengali/Urdu/Hindi/Nepali/Santali  35
 Total  100
 Personality Test  15 Marks
  • The Mains Examination Pattern will be of Descriptive Type.
  • The Question Paper will be of 100 marks and will be of 150 minutes.

WPSC Accountant Syllabus 2019 Pdf

West Bengal PSC Syllabus 2019 – General Knowledge

  • National & International Affairs
  • Know your State Current Affairs
  • Physics
  • Biology
  • Chemistry
  • History
  • Geography
  • Art, Culture & Sports
  • Abbreviation
  • Civics
  • Test of Reasoning
  • Computer

WBPSC Accountant Syllabus 2019 – English

  • Idioms / Phrases
  • Comprehension
  • Sentence Correction
  • Synonyms
  • Grammar
  • Antonyms
  • Spelling

PSCWB Syllabus 2019 for Accountant – Mathematics

  • Simple Interest
  • Profit & Loss
  • Time and Distance
  • Average
  • Ration & Proportion
  • Percentage
  • Time & Work
  • Algebra
  • Mensuration
  • Trigonometry & Geometry

West Bengal PSC Work Accountant Syllabus – Computer Knowledge

  • Knowledge of Number System
  • A basic concept of Computer (Hardware & Software)
    • Computer Software
    • Computer language
    • Operating System
  • Basic knowledge of Internet
    • Search Engines
    • Web browser
    • E-mail
    • Web servers
  • Fundamental of computers
    • CPU
    • Memory
    • Hard Disk
    • Input/ Output Devices
  • Basic knowledge of MS Office
    • MS Word
    • Microsoft Excel
    • MS PowerPoint
  • Knowledge of computer network
    • LAN
    • WAN
    • MODEM
  • Basic knowledge of cybersecurity
    •  Virus
    •  Malware etc.
    •  Warm
    • Internet security
    • Network security
    • Firewall

Download WBPSC Accountant Syllabus 2019 Pdf


WBPSC Sub Inspector Syllabus 2019

The Public Service Commission, West Bengal has given a Notification for the post of Sub-inspectors recently. Hence, the aspirants who applied for the WBPSC Recruitment 2019 for SI can check the Syllabus and Exam Pattern in the sections below. However, we updated the lastest WBPSC SI Syllabus and Exam Pattern below. Have a look and download the free WBPSC Syllabus Pdf from the direct link given at the end of the section.

West Bengal PSC SI Syllabus 2019 Details

Description Details
Job Designation Sub-Inspector
No of Posts Various
Category Name Syllabus
Exam Date Update Soon

WBPSC Exam Pattern for Sub Inspector Vacancy 2019

The West Bengal Public Service Commission selecting the candidates in two states, written test and Interview. Hence, the applicants of WBPSC SI Vacancy 2019 are advised to check the Syllabus and Exam Pattern details in the sections below. Hope, this is a very good opportunity for the candidates as there are 957 vacancies. So, go through the details clearly and start preparing for the WBPSC Written Examination for Sub-Inspector Posts 2019. For more details check the Official PSCWB Website.

S.No Subjects Marks
1 General Studies 50
2 Arithmetics 50
Total 100
  • The Exam Paper will be for 100 Questions 
  • Each Question Carries one Mark 
  • The Exam Duration is 1:30 Hrs

West Bengal PSC SI Syllabus Pdf

West Bengal PSC Syllabus 2019 – General Studies

  • Every Day Science
  • Current Events & Problems (Reference to India)
  • Indian History and Indian (Elementary Knowledge)

Public Service Commission WB SI Syllabus 2019 – Arithmetic

  • WBBSE Madhyamika Exam Syllabus for Arithmetic Questions.
  • Mental Ability

{WBPSC SI Syllabus & Exam Pattern PDF}

{WBBSE Madhyamik Examination Syllabus}

Previous Papers Download

However, the Aspirants who are appearing for the West Bengal PSC Sub-Inspector Written Examination are advised to check the WBPSC Old Question Papers by clicking on the link below. Also, download the Free WBPSC Previous Question Papers Pdf below. Keep visiting we update the details immediately when the WBPSC makes any changes in the Syllabus and Exam Pattern 2019.


WBPSC Fire Operator Syllabus Pdf

WBPSC Syllabus 2019 is updated here. Contenders looking for the West Bengal PSC Syllabus can get here. Also, check the WBPSC Fire Operator Exam Pattern 2019 from the below section. The syllabus is very important for the upcoming PSC Jobs. Hence, read the article carefully and understand the important topics given here. Also, visit the official website of West Bengal Public Service Commission @ www.pscwbonline.gov.in for more detailed WBPSC Fire Operator Syllabus 2019.

Selection Process:

  • Written Examination.
  • Interview.

WBPSC Fire Operator Syllabus 2019 –  Overview

Description Details
Board Name West Bengal Public Service Commission (WBPSC)
Post Name Fire Operator
Number of Vacancies Various
Apply Mode Online
Job Category Syllabus
WBPSC Fire Operator Exam Date 2019 17th Oct to 17th Nov 2019
Job Location West Bengal
Official Website pscwbonline.gov.in

West Bengal Fire Operator Exam Pattern 2019

S. No. Exam Type Name of the Topics
1 Objection Type Question English Language
2 Numerical Ability
3 Reasoning
4 General Awareness
5 General Science
6 Concerned Subjects

Download WBPSC Exam Syllabus for Fire Operator

In this section, we have updated the West Bengal Exam Syllabus for Fire Operator posts. Hence, aspirants looking for the syllabus can check the following section.

West Bengal Fire Operator Exam Syllabus 2019 – General Awareness

  • Botany
  • Zoology
  • Geography
  • Chemistry
  • Inventions in the World
  • Environment
  • Indian Culture
  • Indian Parliament
  • Basic Computer
  • Indian Parliament
  • Physics
  • Indian Politics
  • Indian History
  • Famous Books & Authors
  • Indian Economy
  • Basic GK

WB PSC Fire Operator Syllabus – Reasoning Ability

  • Mirror Images
  • Arithmetical Reasoning
  • Directions
  • Analogy
  • Alphabet Series
  • Decision Making
  • Statement Conclusion
  • Coding-Decoding
  • Cubes and Dice
  • Number Ranking
  • Blood Relations
  • Clocks & Calendars
  • Non-Verbal Series
  • Number Series

West Bengal PSC Syllabus – Numerical Ability

  • Fundamental Arithmetical Operations
  • Unitary Method
  • Time and Distance
  • Profit and Loss
  • Permutation and Combination
  • Time and work
  • Percentages
  • The relationship between Numbers
  • Time, Speed and Distance
  • Number Systems
  • Decimals and Fractions
  • Interest & Discount
  • Time and Work
  • Use of Tables and Graphs Mensuration
  • Ratio and Time
  • Partnership
  • Computation of Whole Numbers
  • Mensuration
  • Ratio & Proportion
  • Averages

WBPSC Fire Operator 2019 Syllabus – English Language

  • Substitution
  • Joining Sentences
  • Idioms and Phrases
  • Para Completion
  • Prepositions
  • Para Completion
  • Fill in the blanks
  • Active and Passive Voice
  • Transformation
  • Error Correction (Underlined Part)
  • Spelling Test
  • Spotting Errors
  • Sentence Improvement
  • Sentence Arrangement
  • Synonyms
  • Passage Completion
  • Error Correction (Phrase in Bold)
  • Sentence Completion

WB PSC Exam Syllabus – Civil Engineering

  • Roads & Highways
  • Field Surveying
  • Highway Construction
  • Estimating, Costing & Contracts
  • Theory Of Structures
  • Well Irrigation
  • Steel Structures
  • Soil Mechanics & Foundation Engineering
  • Civil Engineering Drawing
  • Sanitary Engineering
  • Tubewell Irrigation
  • Head Works
  • Building Materials
  • Water Supply
  • Construction Materials & Practice
  • Flood Control
  • Construction
  • Strength Of Materials
  • Timber Structures
  • Public Health Engineering
  • Hydrology
  • Cross Drainage Works
  • Concrete Structures
  • Water Requirement Of Crops
  • Canals
  • Irrigation

West Bengal PSC Exam Syllabus 2019 – Mechanical Engineering

  • The Strength of Materials
  • Forming Processes
  • Differential Equations
  • Operations Research
  • Theory of Machines
  • Thermodynamics
  • Engineering Materials
  • Engineering Mechanics
  • Metal Casting
  • Probability & Statistics
  • Fluid Mechanics
  • Operations
  • Refrigeration and air-conditioning
  • The design of Machine Elements
  • Tool Engineering
  • Numerical Methods
  • Calculus
  • Vector Calculus
  • Joining Processes
  • Turbomachinery

WBPSC Fire Operator Syllabus Pdf – Electrical Engineering

  • Conservation of Energy
  • O.H. Line
  • Protective Devices
  • D.C. Circuit
  • Design, Estimating
  • Elementary Circuit Analysis
  • Measuring Instruments
  • Transformers
  • Three Phase
  • Motors
  • Earthing
  • A.C. Circuit
  • Power Factor
  • Oscillator
  • Battery
  • Electronics
  • Cable
  • Materials.

Download West Bengal PSC Previous Papers Pdf


WB PSC Forest Service Syllabus 2019

The applicants applied for the West Bengal PSC Jobs can check the updated WBPSC Syllabus 2019 here. The West Bengal Public Service Commission releases the WBPSC Recruitment 2019 Notification to hire 182 applicants for Forest Service and Subordinate Forest Service posts. Hence, the officials are conducting the Written Examination. Therefore, applicants have to study well and prepare for the exam. So, we have given the WBPSC Forest Service Syllabus along with the exam pattern. Moreover, interested candidates can visit the official website of West Bengal Public Service Commission @ pscwbonline.gov.in for detailed West Bengal PSC Syllabus & Exam Pattern.

Selection Process:

The aspirants have to undergo the following recruitment process,

  • Written Examination (Prelims & Mains)
  • Interview

WBPSC Syllabus 2019 – Job Overview

Description Details
Board Name West Bengal Public Service Commission (WBPSC)
Post Name WB Forest Service, Subordinate Forest Service
Number of Vacancies Various
Apply Mode Online
Job Category Syllabus
Job Location West Bengal
Official Website pscwbonline.gov.in

West Bengal PSC Forest Service Prelims Exam Pattern 2019

S. No. Name of the Topics Marks Allocated
1 English 20
2 General Science 25
3 Current Affairs 25
4 History of India 25
5 World Geography 25
6 Indian Polity & Economy 20
7 20 Indian National Movement 20
8 General Mental Ability 20
9 Arithmetic 20

WBPSC Sub-ordinate Forest Service Mains Exam Pattern

S. No.  Name of the Subjects Marks
1 English 100
2 Bengali/ Hindi/ Urdu/ Nepali 100
3 General Studies 100
4 Optional Subject 1 (Paper I) 100
5 Optional Subject 1 (Paper-II) 100
6 Second Optional Subject (Paper I) 100
7 Second Optional Subject (Paper-II) 100
Personality Test 200
Total Marks 900

Download WBPSC WBSFS Exam Syllabus PDF

In this section, applicants can find the complete subject-wise West Bengal PSC Exam Syllabus 2019.

West Bengal PSC WBFSF Syllabus – English

  • Sentence Arrangement
  • Spelling Test
  • Para Completion
  • Prepositions Sentence
  • Fill in the blanks
  • Transformation
  • Antonyms
  • Joining Sentences
  • Substitution
  • Passage Completion
  • Synonyms
  • Error Correction (Phrase in Bold)
  • Active and Passive Voice
  • Spotting Errors
  • Sentence Improvement
  • Idioms and Phrases
  • Error Correction (Underlined Part)

WB PSC Forest Services Exam Syllabus – General Knowledge

  • Civics
  • Indian Politics
  • Inventions and Discoveries
  • Heritage
  • Famous Places in India
  • Biology
  • General Science
  • Famous Days & Dates
  • Indian History
  • Environmental Issues
  • Famous Books & Authors
  • Literature
  • Current Affairs
  • Geography
  • Indian Economy
  • Rivers, Lakes and, Seas
  • Sports
  • Artists
  • Tourism
  • Indian Parliament
  • Countries and Capitals

WB PSC WBSFS Syllabus 2019 – General Science

  • Chemical Kinetics and Thermodynamics
  • Quantum Chemistry
  • Poisons and Pesticides
  • Organic reaction mechanism and Stereochemistry
  • Natural Products and Drugs
  • Organometallic compounds, Bioinorganic chemistry, and Polymers
  • Electrochemistry
  • Nuclear Chemistry
  • Analytical Chemistry and Instrumental methods

West Bengal PSC Forest Services Syllabus Pdf – Mathematics

  • Vector Analysis
  • Algebra
  • Analytical Geometry
  • Mechanics and Fluid Dynamics
  • Calculus
  • Linear Programming
  • Complex Analysis
  • Dynamics, Statics, and Hydrostatics
  • Numerical analysis and Computer programming
  • Ordinary Differential Equations
  • Partial differential equations
  • Linear Algebra
  • Application to Geometry
  • Real Analysis
  • Numerical solution of ordinary differential equations
  • Numerical integration

www.pscwbonline.gov.in Syllabus 2019 – Optional Subjects

  • Agricultural Engineering
  • Electrical Engineering
  • Botany
  • Zoology
  • Chemical Engineering
  • Computer Application
  • Geology
  • Electronics Engineering
  • Physics
  • Computer Science
  • Agriculture
  • Horticulture
  • Civil Engineering
  • Mechanical Engineering
  • Veterinary Science
  • Statistics
  • Forestry
  • Environmental Science
  • Chemistry
  • Computer Engineering
  • Mathematics

Download West Bengal PSC Previous Papers Pdf


West Bengal PSC Syllabus 2019 Pdf

WBPSC Syllabus Pdf for Civil Judge posts is updated here. Hence, candidates applied for the West Bengal PSC jobs can check the complete syllabus here. We have provided direct links to download the WBPSC Civil Judge Syllabus 2019 along with the test pattern. Interested aspirants are requested to go to the following sections and download the West Bengal PSC Civil Judge Syllabus and Exam Pattern 2019.

Selection Process:

  • Written Exam
  • Interview

WB PSC Exam Syllabus 2019 – Overview

Description Details
Name of the Organisation West Bengal Public Service Commission
Name of the Posts: Civil Judges
No. of Vacancies Various
Apply Mode Online
Category Syllabus
Official Website www.pscwbonline.gov.in

Exam Pattern for West Bengal PSC Civil Judge Exam 2019

Name of the Subjects Marks Duration
English Composition 30 2 Hrs 30 Mins
General Knowledge, Current Affairs, and Test of Reasoning 40
Indian Constitution 20
Law of Contracts and Torts 20
Laws of Evidence 20
Civil Procedure Codes 20
Criminal Procedure Code and Indian Penal Code 20
Personal Law 10
Law of Limitation 20
Total 200

Download PSC WB Civil Judge Syllabus PDF

WBPSC Syllabus is updated here topic wise. Hence, interested applicants can check the details here.

West Bengal PSC Syllabus – English

  • Antonyms
  • Synonyms
  • Phrasal verbs
  • Idioms and Phrases
  • Vocabulary Test
  • Reading Comprehension
  • Error Spotting
  • Verbal Ability
  • Tense
  • Sentence Rearrangement
  • Pronoun
  • Cloze Test

PSC Civil Judge Syllabus – GK and Current Affairs

  • Current Affairs – National & International
  • Geography – India & WB
  • History
  • Abbreviations
  • International & National Organizations
  • Economy
  • Important Dates and Days
  • Culture & Heritage
  • General Polity
  • Awards and Honors
  • Environmental Studies
  • Science
  • Books & Authors

West Bengal PSC Exam Syllabus Pdf – Reasoning

  • Seating Arrangement
  • Blood relations
  • Logical Reasoning
  • Data Sufficiency
  • Input & Output
  • Alphanumeric Series
  • Coded Inequalities
  • Puzzles
  • Syllogism
  • Coding & Decoding
  • Ranking/ Direction/ Alphabet Test

WBPSC Syllabus – Optional Paper

  • Hindu Law
  • Muhammadan Law
  • Jurisprudence and principles of Legislation
  • Principles of inquiry including the law of Trusts and specific relief
  • Indian Law relating to companies and insurance
  • Law of limitation and law of prescription
  • Partnership Act
  • Indian Constitution and Constitutional Law

Download WBPSC Civil Judge Previous Papers


WBPSC Syllabus Pdf 2019 – West Bengal Public Service Commission releases the WBPSC Recruitment Notification for this year. There are 156 vacancies to be filled. This is to recruit candidates for the post of the veterinary officer. Candidates can start filling the online application form from 15th March 2019 to 09th April 2019. Aspirants will be selected based on their performance in written test and interview. So, it’s important to check the WBPSC Syllabus Pdf. Here, we have updated the complete WBPSC Veterinary Officer Syllabus 2019 Pdf and Exam Pattern. This will help you to check the topics prepare for the exam. Hence, start checking the West Bengal WBPSC Syllabus and Test Pattern here.

WBPSC Syllabus 2019 – WBPSC Exam Details

Description Details
Board Name West Bengal Public Service Commission (WBPSC)
Post Name Veterinary Officer
Number of Vacancies Various
Job Category Syllabus
Job Location West Bengal
Official Website pscwbonline.gov.in

West Bengal PSC Recruitment – Selection Procedure

  • Screening Test/Written Test
  • Interview

WB PSC Veterinary Officer Exam Pattern 2019

S. No.  Exam Type  Name of the Subjects
1. Objective Type Question Quantitative Aptitude
2. Reasoning Ability
3. General English
4. General Knowledge

Download WBPSC Syllabus 2019

General English

  • Antonyms.
  • Vocabulary.
  • Fill in the Blanks.
  • Noun.
  • Reading Comprehension.
  • Error Spotting.
  • Synonyms.
  • Verbal Ability.
  • Tense.
  • Sentence Rearrangement.
  • Pronoun.
  • Cloze Test.

Reasoning and Numerical Ability

  • Puzzles.
  • Analytical Reasoning.
  • Data Interpretation.
  • Logical Reasoning.
  • Verbal Reasoning.
  • Non-Verbal Reasoning.
  • Time & Work.
  • Partnership.
  • Percentage.
  • Time, Speed, and Distance.
  • Ratio and Proportion.
  • Averages.
  • data Interpretation.
  • Mixture and Allegation.
  • Profit and Loss.
  • Data Sufficiency.
  • Algebra.
  • Number System.
  • Mensuration.
  • Simple and Compound Interest.
  • Percentages.
  • Age Problems.
  • Number Series.
  • Simplification.

WBPSC Veterinary Officer Syllabus – General Knowledge

  • Indian Constitution.
  • Geography – India, Tamil Nadu & World.
  • Economy – India.
  • Abbreviations.
  • General Science.
  • Indian Constitution.
  • Science & Technology.
  • People & Personalities.
  • History – India & Tamil Nadu.
  • Sports.
  • National & International Organizations.
  • Awards & Honors
  • Important Days.
  • Indian Polity.
  • Books & Authors
  • Social- Economic & Cultural Issues etc.

PSC West Bengal PSC Syllabus – General Aptitude

  • Verbal and Non-verbal types.
  • Discrimination, observation.
  • Arithmetical reasoning
  • General Intelligence.
  • Relationship concepts.
  • Questions on analogies, differences, similarities
  • Verbal and figure classification.
  • space visualization.
  • Arithmetical number series.
  • Questions to test the ability to deal with abstract ideas.
  • Symbols and their relationships.
  • Problem-solving, Analysis,
  • Visual memory.
  • Arithmetical computations.
  • Judgment, decision making.
  • Analytical functions.

WBPSC Veterinary Officer Previous Papers

HPPSC Admit Card 2019-20 | Download HPPSC Allied Subordinate Services & Other Hall Ticket 2019 Here

Posted: 07 Dec 2019 01:11 AM PST

Post Name Admit Card Date Exam Date Admit Card Link
Inspectors Available Soon Available Soon Get Here
Officer Available Soon Available Soon Get Here
Allied Subordinate Services HPPSC Admit Card 2019 20 | Download HPPSC Allied Subordinate Services & Other Hall Ticket 2019 Here 07th December 2019 08th December 2019 Get Here
Assistant Engineers 13th November 2019 14th to 21st November 2019 Get Here
TGT & Others  12th October 2019 14th to 16th November 2019 Get Here

HPPSC Allied Subordinate Services Admit Card 2019 will be released in the Last Week of November 2019. Thus, the exam is going to be held on 08th December 2019. Hence, Aspirants are suggested to download the admit card from the upcoming table. Moreover, Candidates are suggested to get the HPPSC Hall Ticket soon once the board releases it on the official portal.

HPPSC Allied Subordinate Services Hall Ticket 2019

Description Details
Name of the Board Himachal Pradesh Public Service Commission
Name of the Post Allied Subordinate Services
No of Vacancies 54
Category Admit Card
HPPSC Admit Card 07th December 2019
HPPSC Exam Date 08th December 2019
Result Date Available Soon
Official Website hppsconline.in
HPPSC Allied Subordinate Services Admit Card 2019 – Download Here HPPSC Admit Card 2019 20 | Download HPPSC Allied Subordinate Services & Other Hall Ticket 2019 Here

HPPSC Hall Ticket 2019 OUT for Assistant Environmental Engineer & Others. Hence, Candidates who have applied for the various HPPSC Jobs can download the admit card now. The Himachal Pradesh Public Service Commission has issued the HPPSC Admit Card on 13th November 2019. Hence, the commission has declared the exam date to be held from 14th to 21st November 2019.

HPPSC Hall Ticket 2019

Description Details
Name of the Board Himachal Pradesh Public Service Commission
Name of the Post Assistant Environmental Engineer & Others
No of Vacancies 78
Category Admit Card
HPPSC Admit Card 13th November 2019
HPPSC Exam Date 14th to 21st November 2019
Result Date Available Soon
Official Website hppsconline.in
HPPSC Exam Admit Card 2019 – Download Here HPPSC Admit Card 2019 20 | Download HPPSC Allied Subordinate Services & Other Hall Ticket 2019 Here

HPPSC Admit Card 2019 Released for Physical Test. Himachal Pradesh Public Service Commission has issued the hall ticket for various posts on their official portal. Hence, Aspirants can download the admit card from the below table. The Physical Eligibility Test will be held from 14th to 16th November 2019. 

HPPSC Physical Test Admit Card 2019

Description Details
Name of the Board Himachal Pradesh Public Service Commission
Name of the Post TGT and Others
No of Vacancies Various
Category Admit Card
HPPSC Admit Card 12th October 2019
HPPSC Exam Date 14th to 16th November 2019
Result Date Available Soon
Official Website hppsconline.in
HPPSC Hall Ticket 2019 – Download Here HPPSC Admit Card 2019 20 | Download HPPSC Allied Subordinate Services & Other Hall Ticket 2019 Here

HPPSC Inspector Admit Card 2019 – Himachal Pradesh Public Service Commission is yet to release the admit card for 54 Inspectors. The Commission will issue the admit card to the participants after the declaration of the exam date. The HPPSC Prelims and Mains exam date will be announced soon on its official portal. So, Make sure to download the admit card once the board releases it.

HPPSC Inspector Admit Card 2019

Description Details
Name of the Board Himachal Pradesh Public Service Commission
Name of the Post Inspectors
No of Vacancies 54
Category Admit Card
HPPSC Admit Card Available Soon
HPPSC Exam Date Available Soon
Result Date Available Soon
Official Website hppsconline.in
HPPSC Inspector Hall Ticket 2019 – Download Here (Available Soon)

HPPSC Admit Card 2019 for all Himachal Pradesh Public Service Commission Recruitment tests can be downloaded here. Aspirants who are looking for an officer, civil services and other posts can find the download link for hall ticket below. Also, check the exam dates and find the steps to download the admit card online @hppsconline.in.

HPPSC Exam Admit Card

HPPSC allows applicants to download the admit card online. Generally, the board announces the admit card 15-20 days before the date of examination. Candidates who clear the written are called for the interview round. Hence, aspirants can visit our page to download the HPPSC interview call letter 2019. Find the exam dates and steps to download the admit card/hall ticket and interview call letter online below. Also, check the important documents to carry for written and interview rounds in the sections following.

Himachal Pradesh PSC has given the notification for officer vacancies. A huge number of applicants have been applied for the posts and might be looking for  Admit Card 2019. Therefore, all the candidates who are waiting to download the HP PSC Officer Admit Card can get it via the link present below. The HPPSC Officer Hall Ticket 2019 has been released for Law Officer in Department of Labor & Employment, Law Officer Personnel Secretariat Administrative and Sub Editor.

HPPSC Officer Admit Card 2019

Description Details
Post Name Officer
No of Vacancies various
Category Admit Card
HPPSC Admit Card Date Update Soon
Official Website hppsconline.in

How to Download Himachal Pradesh PSC Admit Card

All the candidates looking for HPPSC Admit Card do not need to search anywhere. They can directly use the link present above to Download the HPPSC Hall Ticket 2019. However, Candidates can visit the official site @ hppsconline.in to download the Himachal Pradesh PSC Admit Card 2019. Follow the following steps to download Himachal Pradesh Hall Ticket 2019 from the original site.

  • Candidates need to visit the HPPSC official site
  • There find a link to download the released Admit Card
  • Click on the link where you will find released Admit Card.
  • Enter the details they ask for and download you HPSSC Hall Ticket 2019

HPPSC Exam Dates – Examination Details 2019

The HPPSC Exam will be conducted at the month end of October or at the start of November 2019. The Himachal Pradesh PSC Exam is for the post of Law Officer in Department of Labor & Employment, Law Officer Personnel Secretariat Administrative and Sub Editor. We have mentioned the link to download HPPSC Admit Card for the Examination. Because The Date of the HPPSC Exam has already available.

 Law Officer, in the
Department of Labour &
Employment, H.P
 30-10-2019
 Law Officer (English), in
the Department of
Personnel (Secretariat
Administrative Services)
 02-11-2019
 Sub Editor, in the
Department of
Information & Public
Relations, H.P
 03-11-2019

HPPSC Result 2019

The HPPSC Result 2019 will be declared soon after the commencement of the HPPSC Exam. The Exam date has been scheduled in the coming days so download your HPPSC Admit Card 2019. You can access your results when the HPPSC Board releases the Result. The Himachal Pradesh PSC Results will also be updated on our site @ recruitment.guru.

NRHM Punjab Admit Card 2019 – Get CHO & other NRHM Vacancy Admit Card @pbnrhm.org

Posted: 06 Dec 2019 11:45 PM PST

NRHM Punjab Admit Card 2019 is available soon for various posts. The National Rural Heal Mission, Punjab has vacancies for ANM, Pharmacist, Staff Nurse & other. The Candidates those who are applied for the above-listed NRHM Vacancy can download Admit card when they announce. However, we help you find your NRHM Punjab Admit card. Also, we provide you a direct link to the NRHM Punjab Admit card. Furthermore, get other information like Details on Admit Card, Exam Pattern and Valid Id proofs for NHRM Punjab Examination 2019. Also, check the official website of Punjab NHRM i.e., www.pbnrhm.org for more details on NRHM Punjab Admit card 2019.

NRHM Punjab Admit Card 2019

Post Name Admit Card Date Admit Card link
Senior Treatment Supervisor, TB Health Visitor Update Soon Click Here
Information Assistant & Computer Operator Update Soon Click Here
ANM, Staff Nurse, Ayurvedic & Other Update Soon Click Here
Community Health Officer 02nd Week of December 2019 Click Here

NRHM Punjab Admit Card 2019   Get CHO & other NRHM Vacancy Admit Card @pbnrhm.org


NHM Punjab CHO Admit Card 2019

National Health Mission Punjab will issue the admit card on the 02nd Week of December 2019. Thus, the admit card will be available at the bottom of the table. The Board has announced the exam date as 15th December 2019. Eligible candidates should download the hall ticket through the official portal or from the direct link provided below.

Name of the Organization National Health Mission, Punjab
Name of the Posts Community Health Officer
No of Vacancies 1000
Category Admit Card
Admit Card Date 02nd Week of December 2019
Exam Date 15th December 2019
Official Website pbnrhm.org
NRHM Admit Card Status Available on 02nd Week of December 2019
NHM Punjab CHO Admit Card 2019 – Download Here

NRHM Punjab Supervisor Admit Card 2019

National Health Mission Punjab will announce the admit card for the post of 137 Senior Treatment Supervisor, TB Health Visitor. Thus, the exam date has been tentatively declared in the month of September 2019. Though, the board will release the NHM Punjab Admit Card in the month of September 2019 on its official website. Hence, Aspirants who are interested to take down the examination can download the NHM Punjab Supervisor Admit Card from the below section.

Name of the Organization National Health Mission, Punjab
Name of the Posts Senior Treatment Supervisor, TB Health Visitor
No of Vacancies 137
Category Admit Card
Admit Card Date September 2019
Exam Date September 2019
Official Website pbnrhm.org
NRHM Admit Card Status Updated Soon
NHM Punjab Supervisor Admit Card 2019 – Download Here

NRHM Punjab Recruitment 2018

Name of the Organization National Rural Health Mission, Punjab
Name of the Posts Information Assistant & Computer Operator
No of Vacancies 26
Category Admit Card
Starting Date to Apply 11th June 2018
Last Date to Apply 19th June & 20th June 2018
Admit Card Date Available Soon
Exam Date Update Soon
Official Website pbnrhm.org
NRHM Admit Card Status Update Soon

NRHM Punjab Admit Card 2018

Name of the Organization National Rural Health Mission, Punjab
Name of the Post ANM, Staff Nurse, Ayurvedic & Other
No of Vacancies 917
Category Admit Card
Starting Date to Apply 1st Jube 2018
Last Date to Apply 23rd June 2018
Admit Card Date Available Soon
Exam Date Update Soon
Official Website www,pbnrhm.org
NRHM Punjab Admit Card Status Available Soon

The Punjab National Board generally announces the Admit Card 15-20 days before the day of Examination. However, the exam date for NRHM Punjab recruitment is not yet out. So, the Aspirants need to wait few more days for the National Heal Mission Admit Card 2018. Keep visiting our page we will update the page immediately when the Result is out.

NHM Punjab Selection Process Details 2018

The Selection Process for the NHM Punjab Recruitment 2018 is given below. the Candidates are advised to check the pattern. Hope this will help you in the preparation. Moreover, the Selection Process for National Health Mission Punjab is.

Exam Type Topics Marks
Written Exam Core Subjects 90
Skill Test 10
Total 100

The Details to be verified on the NRHM Punjab Admit Card

After Downloading the NRHM Punjab Admit Card, Candidates are advised to check the below-listed details once. As Admit Card is important for Examination and there will be verification at the time of entering the Exam Hall. However, the details that are available on the NRHM Punjab Admit card is.

  • Name of the Candidate
  • Father Name
  • Photo & sign
  • Post Applied for
  • Exam Date, time and Center Name
  • Roll Number or Application Number
  • Date of Birth
  • Gender
  • Important Instructions for candidates.

List of Valid Id proofs for NHM Punjab Examination 2018

The Id Proof is required for Personal Identity Verification. So, the Id Proof should have the Photograph, Address, full Name details on it. However, valid id proofs list for Nationa Rural Health Mission Recruitment is.

  • Aadhaar Card
  • Voter Id
  • Driving Licence
  • Passport
  • Bank Passbook
  • Employee or College Id Card
  • PAN Card

Steps to Download the NRHM Punjab Admit Card 2018

  1. Click on the link NRHM Admit Card given below.
  2. We Redirect you to the Offical Admit Card page
  3. Look for the Respective Admit Card link and Open
  4. Enter the details required and submit.
  5. The NRHM Punjab Admit Card is displayed on a new page.
  6. Take a photocopy or save as PDF for further references.
  7. Carry the Admit Card to the exam center without failure.

NRHM Punjab Admit Card 2018 – Download Here


Download LIC Syllabus for Assistant Manager – Also Check Exam Pattern Details Here

Posted: 06 Dec 2019 11:37 PM PST

Life Insurance Corporation of India Exam Syllabus 2019

LIC Syllabus – Candidates who applied for Bank jobs in Life Insurance Corporation Assistant Manager vacancies can be shortlisted by Written examination. Thus, the aspirants might be in search of Syllabus for the Manager Exam which is going to happen on 27th January 2020. For the sake of those people, we provided the LIC Syllabus for Assistant Manager here. The provided syllabus consists of the subject topics that might be required while preparing the examination.

Have a look at the Assistant Manager exam syllabus before beginning the exam preparation. We have also provided the exam pattern details in this section. To score good marks in the written examination, practice the previous year question papers. In this article, you can get a free download pdf for Assistant Manager. Download the LIC Syllabus in the below sections.

Download LIC Syllabus for Assistant Manager   Also Check Exam Pattern Details Here

LIC Assistant Manager Syllabus 2019

Organization Name Life Insurance Corporation Limited (LIC)
Name of the Post Assistant Manager
No.of. Vacancies 35
Examination Date  27th January 2020
 Category  Syllabus
Job Location All Over India
Official Website www.licindia.in

LIC Assistant Manager Exam Pattern 2019

Subject Name No. Of. Question No. of. Marks Duration of Examination
English Language  50 50 35 Minutes
Logical Reasoning 50 50 35 Minutes
General Awareness 50 50 15 Minutes
Professional Knowledge 50 50 30 Minutes
Total 200 200 02 Hours (120 Minutes)

Selection Procedure:

Aspirants will be shortlisted based on the performance in the following selection process.

  • Written Examination.
  • Interview.

Also, Check Latest Employment News Here

LIC Syllabus for Assistant Manager

English Language:

  • Reading Comprehension
  • Jumbled Sentence
  • Phrase Replacement
  • Sentence Improvement
  • Cloze Test
  • Fill in the Blanks
  • Wrong Spelt
  • One Word Substitution
  • Error Spotting
  • Active Voice and Passive Voice
  • Direct and Indirect Speech

Logical Reasoning:

  • Analogy
  • Classification
  • Coding and Decoding
  • Series
  • Blood Relation
  • Direction and Distance
  • Time Sequence, Number and Ranking Test
  • Number Puzzle
  • Logical Sequence of Words
  • Venn Diagram
  • Clock and Calendar
  • Syllogism
  • Mathematical Operation
  • Arithmetical Reasoning
  • Matrix Reasoning
  • Statement and Reasoning
  • Cube and Dice
  • Completion of Figure
  • Visual Reasoning
  • Paper Cutting and Folding

General Awareness:

  • Static Gk Study Material
  • Knowledge of Current affairs
  • Indian geography
  • Culture and history of India including freedom struggle
  • Indian Polity and constitution
  • Indian Economy
  • Sports
  • General scientific and technological developments etc.

 

[LIC Assistant Manager Syllabus PDF]

CTET Admit Card 2019 – Check CBSE Central Teacher Eligibility Test Hall Ticket @ctet.nic.in

Posted: 06 Dec 2019 10:41 PM PST

CTET Admit Card 2019 Released. The Central Board of Secondary Education has issued the hall ticket for the Teacher Eligibility Test on 08th December 2019. Thus, the admit card has been released on 19th November 2019. The exam will be held at various centers. Make sure to download the hall ticket by entering valid details in it. Therefore, the CTET Hall Ticket is an important document to take down the examination.

CTET Admit Card 2019   Check CBSE Central Teacher Eligibility Test Hall Ticket @ctet.nic.in

CTET December Admit Card 2019 – Overview

Description Details 
 Name of the Board Central Board of Secondary Education
 Name of the Exam Central Teacher Eligibility Test
Exam Date 08th December 2019
 Category Admit card
 Admit Card Release Date 19th November 2019
Official Website www.ctet.nic.in
CTET Admit Card 2019 December – Download Here CTET Admit Card 2019   Check CBSE Central Teacher Eligibility Test Hall Ticket @ctet.nic.in

CTET Admit Card 2019 has announced the Admit Card in the Official Website on 21st June 2019. So, Contenders need to carry the CTET Hall Ticket so as to sit for the exam. The release date of CTET Hall Ticket will be on the Official Website as well as in this article also. From this article, Candidates can get the direct link to download the CTET Hall Ticket 2019. This article will assist you in downloading the Admit Card.

CBSE CTET Admit Card 2019

Central Board of Secondary Education has announced the date of examination for the Central Teacher Eligibility Test in July 2019. As per the Previous Year trends, the Admit Card has been released before 2 to 3 weeks before the examination. The Hall Ticket will be issued successfully to the registered candidates. In case, you are unable to download the CTET Hall Ticket contact the authorities before the exam date.

CTET Admit Card 2019 – Overview

Description  Details 
 Name of the Board Central Board of Secondary Education
 Name of the Exam Central Teacher Eligibility Test
Exam Date 07th July 2019
 Category Admit card
 Admit Card Release Date 21st June 2019
Official Website www.ctet.nic.in

CTET Hall Ticket 2019

The board releases the Admit Card in the Official Website, Candidates who have applied to appear for the examination can download the Admit Card from here. The CTET Hall Ticket contains the following contents. Hence, go through all the important details which are in the admit card. Fill according to that.

  • Name of the Applicant.
  • Exam Date, Time & Centre.
  • Post Applied for.
  • Application or Registration Number
  • Father Name and
  • Important Instructions.

CTET Exam Schedule 2019

Central Teacher Eligibility Test will be held on 07th July 2019. Moreover, the exam will be of Paper I and Paper I. The CTET is the Central Teacher Eligibility Test conducted by the Central Government. The CTET qualified candidates are eligible to teach the Primary and Secondary class students of any Central Government School across the Country.

Paper Time Schedule Duration
Paper I 9.30 AM to 12.00 PM 2.30 hours
Paper -II 2.00 PM to 04.30 PM 2.30 hours
  • The questions will be of Objective Type.
  • Total Marks will be 15o Marks.
  • Each question carries 1 Mark.
  • Paper I: For Primary Stage (Class I to V)
  • Paper II: For Secondary Stage (Class VI to VIII)

CTET Call Letter 2019 – Download

Download the CTET Hall Ticket from the below section. Discrepancies in admit card can happen. There might be errors or incorrect info in the hall ticket that you get. This is the reason a thorough glance over your CTET admit is card is essential. You download the admit card from now, you should check for discrepancies and errors in the admit card. If you find errors you should immediately contact the official authorities. Contact details have been mentioned below.

Name of the Officer& Designation Contact Number & Email ID
S Devadas, Joint Secretary (CTET & JNVST) Tel- 011-22240142, Email ID- devadassunkara@gmail.com
Shikha Tomar, Assistant Secretary (Account) Tel- 011-22240107, Email ID- shikha.sbse@cbse.gov.in
Sunita Koundal, Senior Private Secretary (Misc. Exam & CTET) Tel- 011-22240174, Email ID- koundalsunita@cbse.gov.in
  • Aadhar Card
  • College ID
  • Ration Card
  • Driving License
  • PAN Card
  • Voter ID
  • Any Valid ID Proof Issued By Gazetted Officer
  • Bank Passbook
  • Passport

The following ID Proofs are very important to carry for the CTET Exam. These will help Invigilators find about the Candidates.

How to Download CTET Admit Card 2019-20

  1. Click on “CTET Admit Card” Link.
  2. A new page will arise.
  3. Enter the Application Number and Submit.
  4. Now, the Admit Card will appear on the Screen.
  5. Fill all the details.
  6. Finally, Submit the Admit Card and Download it.
  7. Take a print out and carry with you for the exam.

Direct Links to download CTET Hall Ticket 2019

CTET Admit Card Download Here
Official Website Click Here

 

Bihar TET Admit Card 2019 OUT for Bihar Secondary Teacher Eligibility Test 2019

Posted: 06 Dec 2019 10:32 PM PST

Bihar STET Admit Card 2019 – Bihar State Teacher Eligibility Test has been released on 06th December 2019. Thus, the board will notify the exam date on its official portal soon. So, Aspirants are suggested to download the hall ticket from the below section. Keep track of the official portal for the exam date.

Bihar TET Admit Card 2019 OUT for Bihar Secondary Teacher Eligibility Test 2019

Bihar STET Hall Ticket 2019 – Overview

Description Details
Name of the Board Bihar School Examination Board
Name of the Exam State Teacher Eligibility Test
No of Vacancies 37335
 Exam Date Notified Soon
Category Admit card
 Admit Card Release Date 06th December 2019
Official website bsebstet2019.in
Bihar STET Admit Card 2019 – Download Here

Bihar TET Admit Card 2019 on 24th October 2019 @ bsebstet2019.in | The Secondary Teacher Eligibility Test Admit Card is now available on its official website. The Bihar School Examination Board will conduct the examination on 07th November 2019. Therefore, Aspirants who are eligible to download the admit card can get the direct link from the end of the section. So, the Bihar Teacher Eligibility Test will be held at various centers scheduled by the officials.

Bihar TET Admit Card 2019

Candidates who have applied for the Secondary Teachers Eligibility Test (STET) 2019, Physical Education & Health Instructor Ability Test 2019 can now download the hall ticket from the below section. Hence, the Admit Card is an important document to takedown the examination. Thus, the hall ticket should be downloaded via Online mode. And no admit card will be sent through the post to any of the candidates.

Bihar STET Hall Ticket 2019 – Overview

Description Details
Name of the Board Bihar School Examination Board
Name of the Exam Secondary Teacher Eligibility Test
No of Vacancies 37335
 Exam Date 07th November 2019
Category Admit card
 Admit Card Release Date 24th October 2019
Official website bsebstet2019.in

Details to be noticed in BSEB TET Exam Admit Card

Aspirants who are going to take down the examination must download the admit card. Moreover, the Bihar TET Admit Card should be downloaded by each individual via online mode. Therefore, Contenders should have valid Registration Number and the Password to download the Bihar TET Admit Card.

  • Candidates Name
  • Name of the Candidate's Father
  • The venue of the Exam Centre
  • Date & Time of the Test
  • Reporting Time to the Exam Hall
  • Gender (Male/ Female)
  • Roll Number
  • Duration of the Online Test
  • Space for Invigilator's Signature
  • Registration Number
  • Name of the Test Centre
  • Category of the candidates
  • Space for Applicant's Signature
  • Name of the Exam Conducting Board
  • Photograph of the Candidate
  • Applicant's Date of Birth
  • Name of the Written Test
  • Important Guidelines for the Exam Takers
  • Full Name of the Applicant
  • Examination Centre Code
  • Signature of the Board Counselor

Bihar TET Exam

Bihar School Examination Board is going to conduct the examination on 07th November 2019. The exam will be held at various centers scheduled by the board. Hence, the admit card must be carried for the examination along with the required original document. Examiners are suggested to get the Bihar TET Exam Pattern from this section.

Exam Type Subjects No of question Marks Duration
 

Objective    type

Paper-I(9th &10th Class) 150 (100 from subject & 50 from teaching methodology) 150 2 Hours 30 min
Paper-II(11th &12th Class) 150(100 from subject & 50 from teaching methodology) 150 2 Hours 30 min

 Documents Along with Bihar TET Admit Card 2019

Along with the hall ticket aspirants need to carry the original Government documents. Those candidates who are going to take down the examination can follow the steps given at the end of the section. Download and keep the Bihar Teacher Eligibility Test Admit Card safe to participate in all the selection rounds.

  • Original Photograph
  • Voter Card
  • Pan Card
  • Employee ID
  • College ID
  • PAN Card
  • Passport
  • Driving License
  • Any other ID proof issued by a Gazetted Officer
  • Bank Pass Book with the photograph

Bihar TET Admit Card Download Steps 2019

  1. Click on the Bihar TET Hall Ticket.
  2. Enter the Login details on the Home Page.
  3. Now enter the image in the box that is available on the page.
  4. Tap on Login to get the Bihar TET Hall Ticket.
  5. Admit Card page will appear on the screen.
  6. Fill the needed credentials into the hall ticket.
  7. After filling recheck the details that you have entered.
  8. Once done with the checking Submit the admit card.
  9. Finally, download the hall ticket after the submission.
  10. Take a photocopy of the Bihar TET Exam Admit Card.
  11. Carry for the exam and for the upcoming selection rounds.

Bihar TET Exam Hall Ticket 2019 – Important Links

Bihar TET Admit Card Download Here
Official Website Click Here

RSMSSB Recruitment 2019 | 4207 Patwari Vacancy | Apply Before 19th February 2020

Posted: 06 Dec 2019 10:29 PM PST


RSMSSB Recruitment 2020: Rajasthan Subordinate and Ministerial Services Selection Board, Jaipur has released a notification announcing 4207 vacancies. These vacancies are for the post of Patwari. Interested candidates can start preparing for the same. The online applications start on 20th January 2020. The last date to apply for Rajasthan Patwari Recruitment 2020 is 19th February 2020. Candidates can check if they are eligible for the job and apply for the same. The selection will be done based on the written exam. Hired candidates will serve in Rajasthan.

RSMSSB Recruitment 2019 | 4207 Patwari Vacancy | Apply Before 19th February 2020RSMSSB Recruitment 2020

Interested candidates can start applying online using the link given below. Before applying, a candidate must check if s/he is eligible for RSMSSB Jobs. The candidates can check eligibility using the details given below. They can also refer to the official notification using the link below. Apply now for RSMSSB Recruitment 2020 for Patwari Jobs.

Overview of RSMSSB Jobs 2020

Name of the Organization Rajasthan Subordinate and Ministerial Services Selection Board, Jaipur (RSMSSB)
Number of Vacancies 4207
Name of Post Patwari
Starting date of application 20th January 2020
Closing date of application 19th February 2020
Job Category Rajasthan Government Jobs
Job Location Rajasthan
Application process Online
 Official Website www.rsmssbold.rajasthan.gov.in

Details of RSMSSB Vacancy 2020-20:

The details of the vacancy as given for Patwari Post in RSMSSB Recruitment 2020 is:

Name of the Area Number of Posts
Non-TSP Area 3637
TSP Area 570
Total 328

Eligibility Criteria for RSMSSB Recruitment 2020

Candidates interested in RSMSSB Jobs can check their eligibility with the details below to apply online. Education qualification details are available below. The candidate must be between the age of 18 to 40 years old and must have knowledge of Hindi and Devnagri script and Rajasthani culture to be eligible for Rajasthan Patwari Recruitment. Hired candidates will be paid a monthly salary of Rs. 20,800/-.

Academic Qualification:

The candidate must possess at least one of the following educational qualifications

  • Graduate from recognized University & O" or Higher Level certificate course OR
  • Certificate course on computer concept by NIELIT, New Delhi OR
  • COPA/ DPCS certificate OR
  • Degree/ Diploma/Certificate in Computer Science I Computer application OR
  • Diploma in Computer Science & Engineering OR
  • RSCIT OR
  • 12th Pass Certificate with the Computer Science/ Computer Application as one of the subjects

Candidate must also have knowledge of Hindi written in Devnagari script and knowledge of Rajasthani culture along with the above qualifications

Age Limit:

The age limit for Rajasthan Patwari Bharti is

  • Minimum – 18 Years
  • Maximum – 40 Years

Selection Process:

  • Written Test
  • Interview

Pay Scale for RSMSSB Recruitment 2020:

The candidates selected for Rajasthan Patwari posts will be paid

  • Rs. 20,800/- per month

RSMSSB Application Fee:

Category Application Fee
General/ OBC Creamy Layer Rs. 450/-
Candidates from other states Rs. 450/-
OBC Non-Creamy Layer Rs. 350/-
SC/ ST Rs. 250/-

The application fee can either be paid online or through kiosks called Emitra in Rajasthan.

How to apply for RSMSSB Recruitment 2020?

  1. Click on the official notification link below
  2. Read the entire notification carefully
  3. Check if you are eligible for Patwari posts
  4. If eligible, start preparing
  5. The link for online application begins on 20th January 2020
  6. Fill the online application form
  7. Pay the application fee, either online or through kiosks called Emitra
  8. Submit the application form before the last date, i.e., 19th February 2020
  9. Take a print out of the application form for future reference

Examination Venue:

  • Will be communicated soon

Important Links for RSMSSB Recruitment 2020-20:

 Official Notification Pdf  Download Here 
Apply Online Link Updated Soon (20th January 2020)
Official Website Click Here 

Important Dates for RSMSSB Recruitment:

Event Date
Notification Release Date 7th December 2019
First Date to Apply 20th January 2020
Last Date to Apply 19th February 2020
Last Date To Pay Online 19th February 2020
Last Date To Pay At Emitra 18th February 2020
Examination Date Communicated Soon

Other Important Rajasthan Government Jobs:

Recruitment Board Post Name & Last Date Apply Online
Air India Limited Air India Careers
[18-09-2020]
265 – Commander, Aircraft Technician, Co-Pilot & Other
 Indian Ordnance Factories  Indian Ordnance Factory Recruitment
[30-12-2019]
4,805 – Trade Apprentice
Rajasthan University of Health Sciences (RUHS) RUHS Recruitment
[24-12-2019]
767 – Medical Officer
Rajasthan Police Rajasthan Police Recruitment
[19-12-2019]
5000 – Constable
 Rajasthan High Court Rajasthan High Court Recruitment
[17-12-2019]
3678 – Class IV (Group D)

Start preparing for Rajasthan Patwari Jobs. Make sure to apply for RSMSSB Recruitment 2020 within the time limit given. In case of any doubts, you can contact RSMSSB officials through their official website. You can also drop a comment below.


RSMSSB Recruitment 2019

RSMSSB Recruitment 2019 – Apply Online for 700 Librarian Grade-III Job Vacancy. Rajasthan Subordinate and Ministerial Service Selection Board Authorities have released a notification for the Grade III Post. Candidates who have passed the 12th Class and Library Science Certificate Course and searching for Central Govt Jobs can proceed with the application process for the RSMSSB Notification 2019.  RSMSSSB Recruitment Online Application is available from 02nd November 2019 and closes on 01st December 2019.

Aspirants who are having the specification prescribed in RSMSSB Rajasthan Notification are only eligible to apply. Qualified candidates can apply for this Librarian post on or before the last date. Get more information like eligibility criteria, age limit, and others by reading this article loaded below.

Overview of RSMSSB Librarian Grade III Recruitment 2019 Notification

Name of the Organization  Rajasthan Subordinate and Ministerial Service Selection Board (RSMSSB)
 No. of Vacancies 700
Name of the Post  Librarian
 Apply Mode  Online Mode
Starting Date to Apply 02nd November 2019
Closing Date to Apply 01st December 2019
Job Category Rajasthan Government Job
Job Location  Jaipur, Rajasthan
Official Website   rsmssb.rajasthan.gov.in

RSMSSB Vacancy List 2019

 Post Name No.of. Vacancies 
 Librarian/ Lab Assistant (Non-TSP) 485
 Librarian/ Lab Assistant (TSP) 215
Total 700

RSMSSB Rajasthan Notification  2019 – Eligibility Criteria for  Librarian Post

Educational Qualification:

  • Passed 12th Class or equivalent from a recognized university or institution.
  • Completed Certificate Course in Library Science.

Age Limit:

  • Minimum Age Limit – 18 Years.
  • Maximum Age Limit – 40 Years.

RSMSSB Job Salary:

  • Candidates hired for Rajasthan RSMSSB Recruitment Librarian Post will be paid a salary based on Pay Matrix Level 10.

Application Fee:

  • General/ OBC Creamy Layer/  – Rs. 450/-
  • OBC Non-Creamy Layer – Rs. 350/-
  • SC/ ST/ PH – Rs. 250/-

NOTE: Pay the Application fee through Credit card/ Debit card/ Net Banking/ E-Mitra Kiosk.

Selection Process:

  • Written Examination.
  • Interview.

How to Apply ONLINE for RSMSSB Job Rajasthan 2019?

  1. Download the official notification given below.
  2. Read the given instructions
  3. Make sure that you are under the given eligibility criteria.
  4. Click on the Apply Online link given below.
  5. Get into the Application page.
  6. Register yourself for the RSMSSB Career 2019.
  7. Then login into the application page.
  8. Fill the details asked in the application form.
  9. Upload the scanned copies of essential documents.
  10. Pay the prescribed application fee.
  11. Recheck the details and submit the application process.

Important Dates for RSMSSB Recruitment 2019 – Librarian Job

Starting Date to Apply  02nd November 2019
Last Date to Apply   01st December 2019

Important Links for RSMSSB Notification  2019

Official Notification   Download Here
Registration Link Click Here
Apply Online Link Click Here
  Official Website  Click Here


RSMSSB Junior Instructor Recruitment 2019

RSMSSB Recruitment  2019 Notification has 92 Vacancies for Junior Instructor Posts. Candidates who have passed 10+2 in Science with Diploma in Engineering/Technology can apply online from 26th October 2019. All applicants must know that the age limit to apply for RSMSSB Junior Instructor Recruitment must lie between 20 to 40 years. Online application forms in a prescribed format must be submitted on or before 24th November 2019. Know eligibility details such as educational qualification, age limit, selection procedure and other details below. Know more details about recruitment in RSMSSB in the below sections of this page.

RSMSSB Rajasthan Recruitment 2019

Name of the Organization  Rajasthan Subordinate and Ministerial Service Selection Board (RSMSSB)
 No. of. Vacancies 92
Name of the Post  Junior Instructors
 Application Mode Online Mode
Advertisement Release Date 26th October 2019
Starting Date to Apply 26th October 2019
Last Date to Apply    24th November 2019
Job Category Rajasthan Government Jobs
Job Location  Rajasthan
Official Website rsmssb.rajasthan.gov.in

RSMSSB Junior Instructor Vacancy 2019 Details

 Post Name Number of Vacancies 
Junior Instructor (Mechanic Diesel Engine) 24
Junior Instructor (Electronics Mechanic) 29
Junior Instructor (Refrigeration & Air Conditioning) 15
Junior Instructor (Wireman) 24
Total 92

Eligibility Criteria for RSMSSB Recruitment 2019

Educational Qualification:

  • Passed 10+2 in Science with Diploma in Engineering/Technology or National Trade Certificate in Engineering/Technology in relevant trade.
  • (OR) National Apprenticeship in Engineering/Technology in relevant trade.

Age Limit:

  • Minimum Age Limit – 20 Years
  • Maximum Age Limit – 40 Years

RSMSSB Junior Instructor Salary:

  • Pay Matrix Level-10

Application Fee:

  • GEN/UR, OBC & Creamy Layer Candidates – Rs.450/-
  • OBC Non-Creamy Layer – Rs.350/-
  • SC/ST – Rs.250/-

Selection Process:

  • Written Examination
  • Typing Speed Test
  • Interview

How to Apply Online for RSMSSB Recruitment 2019 for Junior Instructors (JI)?

  1. Download the official notification given below.
  2. Read the given instructions
  3. Make sure that you are under the given eligibility criteria.
  4. Click on the Registration link.
  5. Complete your registration process
  6. Now, login with the necessary details.
  7. Fill the details asked in the application form.
  8. Upload the scanned copies of essential documents.
  9. Pay the prescribed application fee.
  10. Recheck the details and submit the application process.

Important Dates for RSMSSB Recruitment 2019

Advertisement Date 26th October 2019
Starting Date to Apply 26th October 2019
Last Date to Apply 24th November 2019

Important Links for RSMSSB Job Notification 2019

Official Notification Pdf   Download Here
Registration Link Click Here
Login Link Click Here
  Official Website Click Here

RSMSSB Recruitment 2019

RSMSSB Recruitment  2019 Notification has been released recently. Rajasthan Subordinate and Ministerial Service Selection Board have published the recruitment notification to fill the 97 vacancies for the Industry Extension Officer, Industry Inspector, Economic Investigator, Handloom Inspector & Salt Inspector Posts. Candidates who are searching for Rajasthan Government Jobs may use this opportunity released under RSMSSB Recruitment. To apply online visit the official website of RSMSSB @ www.rsmssb.rajasthan.gov.in. The online Application Process starts from 16th October 2019 and ends on 14th November 2019.

Candidates who are under the eligibility criteria for the RSMSSB Jobs can apply for these vacancies. Remaining details i.e post wise vacancy details, educational qualification, salary details, the application process & others regarding RSMSSB Recruitment are available below.

Rajasthan Subordinate and Ministerial Service Selection Board Recruitment 2019

Name of the Organization  Rajasthan Subordinate and Ministerial Service Selection Board (RSMSSB)
 No. of. Vacancies 97
Name of the Post  Industry Extension Officer, Industry Inspector & Other
 Application Mode Online Mode
Starting Date to Apply 16th October 2019
Last Date to Apply    14th November 2019
Job Category Rajasthan Government Job
Job Location  Rajasthan
Official Website rsmssb.rajasthan.gov.in

RSMSSB Vacancy 2019 Details

 Post Name No.of. Vacancies 
Industry Extension Officer 60
Industry Inspector 13
Economic Investigator 13
Handloom Inspector 06
Salt Inspector 05
Total 97

Eligibility Criteria for RSMSSB Recruitment 2019

Educational Qualification:

 Post Name Qualification
Industry Extension Officer Degree in Arts/ Science/ Commerce/ or Engineering from a University established by Law in India.
Industry Inspector
Economic Investigator First-class or second class  Masters Degree in Mathematics/ Statistics/ Economics/ Commerce from a University established by Law in India
Handloom Inspector Senior Higher Secondary or Higher Secondary or equivalent with Diploma in the Textile Trades (2 years) issued by the National Council for Training in vocational trades or any other institution recognized by the government
Salt Inspector B. Sc with chemistry as one of the subjects from a University established by Law in India

Age Limit:

  • Minimum Age Limit – 18 Years
  • Maximum Age Limit – 40 Years

RSMSSB Job Salary Details:

 Post Name Pay Level Salary
Industry Extension Officer Level – 10. Rs. 33,800/-
Industry Inspector Level – 10. Rs. 33,800/-
Economic Investigator Level – 10. Rs. 33,800/-
Handloom Inspector Level – 08. Rs. 26,300/-
Salt Inspector Level – 08. Rs. 26,300/-

Application Fee:

  • Refer RSMSSB Recruitment Official Notification for the application fee details.

Selection Process:

  • Written Test.
  • Interview.

How to Apply Online for RSMSSB Recruitment 2019 Rajasthan?

  1. Download the official notification given below.
  2. Read the given instructions
  3. Make sure that you are under the given eligibility criteria.
  4. Click on the Apply Online link given below.
  5. Get into the Application page.
  6. Fill the details asked in the application form.
  7. Upload the scanned copies of essential documents.
  8. Pay the prescribed application fee.
  9. Recheck the details and submit the application process.

Important Dates for RSMSSB Recruitment 2019

Starting Date to Apply Online 16th October 2019
Last Date to Apply Online 14th November 2019

Important Links for RSMSSB Job Notification 2019

Official Notification Pdf   Download Here
Re-Open Notification Pdf   Download Here
Apply online Link  Click Here
  Official Website  Click Here

Other Job Links:

 Recruitment Link Post Details Last Date 
Air India Careers 265 – Commander, Aircraft Technician, Co-Pilot & Other [18-09-2020]
Indian Ordnance Factory Recruitment 4,805 – Trade Apprentice [30-12-2019]
CISF Recruitment 1,314 – Assistant Sub Inspector Executive [07-12-2019]
JVVNL Recruitment 6000 – Technical Helper [27-12-2019]
NTRO Recruitment  39 – Technician A, B, & Assistant Security Officer Grade – I [25-11-2019]
DSRVS Recruitment 4,055 – Teaching & Non-Teaching [25-11-2019]
RPSC Recruitment 912 – Veterinary Officer & Librarian [24-11-2019]
Indian Bank Recruitment 115 – Security Guards cum Peon [23-11-2019]
NCR Recruitment 529 – Goods Guards, Assistant Loco Pilot & others [20-11-2019]

 About Rajasthan Subordinate and Ministerial Service Selection Board (RSMSSB)

Rajasthan Subordinate and Ministerial Service Selection Board (RSMSSB) is an association that surveys the contender for getting to be officials. The board assesses the appropriateness of the possibility for turning into an official utilizing an institutionalized convention of assessment framework which comprises of character, knowledge tests, and interviews. There is no restriction on the number of endeavors that can be made. The meeting includes a battery of mental trial of character, to survey the competitor’s appropriateness for the bonus to the military. The tests help the SSB select applicants with official like characteristics.

The Rajasthan Subordinate and Ministerial Service Selection Board aren’t worried about the number of commissions accessible. Its duty is simply to evaluate and after that, prescribe. Fruitful up-and-comers have a restorative assessment and if palatable are recorded on a “merit list” before preparing and commission. The up-and-comers who have passed the Union Public Service Commission (UPSC) composed assessment, or who, on account of the Territorial Army have been prescribed by a Preliminary Interview Board (PIB), or, who have been approached to present to the Service Selection Board are distributed an SSB focus to visit. Administration applicants go to by means of development requests made by their bosses.

economic news of india - world economic news - economics news for students - indian economy news

Posted: 07 Dec 2019 07:48 PM PST

economic news of india - world economic news - economics news for students - indian economy news


Why robots pose a threat to Wall Street's highest-paying jobs

Posted:

By Lananh NguyenRobots have replaced thousands of routine jobs on Wall Street. Now, they're coming for higher-ups.That's the contention of Marcos Lopez de Prado, a Cornell University professor and the former head of machine learning at AQR Capital Management LLC, who testified in Washington on Friday about the impact of artificial intelligence on capital markets and jobs. The use of algorithms in electronic markets has automated the jobs of tens of thousands of execution traders worldwide, and it's also displaced people who model prices and risk or build investment portfolios, he said."Financial machine learning creates a number of challenges for the 6.14 million people employed in the finance and insurance industry, many of whom will lose their jobs -- not necessarily because they are replaced by machines, but because they are not trained to work alongside algorithms," Lopez de Prado told the US House Committee on Financial Services.During the almost two-hour hearing, lawmakers asked experts about racial and gender bias in AI, competition for highly skilled technology workers, and the challenges of regulating increasingly complex, data-driven financial markets.Other comments from the hearing:Kirsten Wegner, chief executive officer, Modern Markets Initiative:"As bad actors become more sophisticated, it is vital that financial regulators have the funding resources, technological capacity and access to AI and automated technologies to be a strong and effective cop on the beat."Martina Rejsjö, head of Nasdaq Surveillance North America Equities, Nasdaq Inc.:Nasdaq runs more than 40 different algorithms, using about 35,000 parameters, to look for market abuse and manipulation in real time."The massive and, in many cases, exponential growth in market data is a significant challenge for surveillance professionals," she said. "Market abuse attempts have become more sophisticated, putting more pressure on surveillance teams to find the proverbial needle in the data haystack."Rebecca Fender, senior director, CFA Institute:Forty-three percent of CFA members and candidates expect their roles to change significantly in the next five to ten years, according to a survey of more than 3,800 respondents. The three roles most likely to disappear are sales agents, traders and performance analysts.Charlton McIlwain, professor of media, culture and communication at New York University:"Racial groups that are already extremely underrepresented in the financial services industry will be most at risk in terms of automation and the escalation of fintech development. This is especially true given the vast underrepresentation of African-Americans and Latinx in the adjacent technology sector workforce."

Airtel & Vodafone Idea have a surprise for you

Posted:

NEW DELHI: Telecom operators Bharti Airtel and Vodafone Idea have removed cap from free outgoing calls on other networks under new plans for pre-paid customers that came into effect from December 3.Both the companies had earlier capped outgoing calls to network of other telecom operators at 1,000 minutes in plan with 28-days validity, 3,000 minutes in 84-days validity and 12,000 in 365 days validity plan. Beyond this limit, customers were required to pay 6 paisa per minute for outgoing calls made to other network."We heard you! And we are making the change. From tomorrow, enjoy unlimited calling to any network in India with all our unlimited plans. No conditions apply," Bharti Airtel said in a tweet.Vodafone Idea too made similar announcement on twitter."Here's to unlimited possibilities with free unlimited calling, even to other networks," Vodafone Idea tweeted with note that the changes are effective from December 6 onward -- the day Reliance Jio raised the price of it mobile calling and internet plans by about 40 per cent.The Mukesh Ambani-led firm announced some plans that were 15-25 per cent cheaper than that of the competitors. However, it has made no change in free call limit to other networks till Saturday evening.Airtel and Vodafone Idea on December 1 announced new plans under which call and data charges became dearer for its pre-paid customers by up to 50 per cent from December 3.Both the companies announced new plans in "unlimited"category with 2 days, 28 days, 84 days, 365 days validity, which on the back of the envelope calculations show higher price of up to 50 per cent.Bharti Airtel increased its entry level unlimited plan with a year long validity by about 50 per cent to Rs 1,499 from with 24 GB of data in place of Rs 998 plan with 12 GB data usage limit.The price 365 days valid plan in the same category with daily data usage limit of 1.5 GB per day now costs 41.2 per cent more at Rs 2,398 compared to Rs 1,699 plan.Vodafone Idea plans were priced about Re 1 higher compared to that of Airtel.The company also announced three new plans - Rs 219 with 28 days validity offering 1 GB per day, Rs 399 and Rs 449 plan with 56 days validity each, offering 1.5 Gb and 2 GB data usage, respectively.With removal of the limit, Airtel's new Rs 399 plans with 56 days validity became cheaper than that of Reliance Jio plan at the same price.Vodafone Idea too have added Rs 219 plan with same offering as announced by Bharti Airtel.The move from both the companies follows the Supreme Court judgement on adjusted gross revenue.Bharti Airtel has posted a staggering Rs 23,045 crore net loss for the second quarter ended September 30, due to provisioning of Rs 28,450 crore in the aftermath of the Supreme Court ruling on statutory dues.According to government data, the liabilities in the case of Bharti Airtel add up to nearly Rs 35,586 crore, of which Rs 21,682 crore is licence fee and another Rs 13,904.01 crore is the SUC dues (excluding the dues of Telenor and Tata Teleservices).The government is currently not considering any proposal on waiver of penalties and interest on outstanding licence fee based on adjusted gross revenue (AGR), or on extending the timelines for telecom companies to pay up their statutory dues.

The daily battle of commuting for women

Posted:

By Indulekha AravindAmerican gender researcher Jackson Katz often tries out this exercise with his audience: he asks men and women what they do to prevent themselves from being sexually assaulted.Invariably, the men are silent or will joke about it till one of them remarks that they don't think about it, while the women will have a list of steps they take every day, from making sure someone knows their itinerary to varying their route home from work.These are responses Isha Goyal, a lawyer in Chandigarh, will identify with. Every night, as soon as she enters her car after leaving work, she switches on the lights to ensure no miscreant is lurking. In Guwahati, pharmaceutical salesperson Soumitra Som's mother waits on the balcony at the end of each day, looking out for her daughter. You are unlikely to hear similar stories from working men.Whenever there is a particularly grievous incident of sexual assault, as in the case of the recent rape and murder of a veterinarian in Hyderabad, there is a public outcry.Yet, there is hardly any discussion among lawmakers on how to make it safe for women to return home from work.If there was, the veterinarian might be alive. If there was, sales assistant Jagriti in Ghaziabad would not have to consider switching jobs, just to avoid being groped in crowded buses nearly every day.This feeling of being unsafe, in turn, affects the presence of women in paid workforce.India has one of the worst commuter gender ratios in the world — data shows that for every four men, one woman commutes for work. According to the last census, over 45% working women do not commute, one of the reasons being the lack of safe transport options. In a country with one of the worst female labour force participation rates, policymakers should pay attention to how they can help women get home from work safely and conveniently. As the voices ET Magazine has gathered from across the country reveal, it is a problem almost every working woman faces and yet one they feel is largely ignored.Elizabeth Gomes49, Data Entry Coordinator, Mumbai 72419347 By Suman LayakMode of Travel: Bus, train, shared autorickshawChallenges:• Harassment in public transport• Long journey in different modes of transportElizabeth Gomes travels 80 km every day — from home to work and back — on buses, trains and shared autorickshaws.She leaves her home in Santacruz, Mumbai, early in the morning. A bus takes her to the railway station from where she boards a train. She changes trains again to get to Rabale in Navi Mumbai and then takes a shared autorickshaw to office, a multinational company where she works as a data entry coordinator.Gomes, 49, says, "My commute is a daily battle for three and a half hours, trying to avoid men touching me inappropriately, on different modes of transport." And no place feels safe — neither a crowded BEST bus nor an empty coach in the Mumbai local."Seven seats are reserved for women in the bus but men often stand next to these, their bodies touching or brushing against us.It's pathetic when even conductors stand with their backs resting on our shoulders," says Gomes. "I do not know if it's deliberate, but they don't try to refrain from it either."She avoids the empty ladies' compartment in the morning train as she is not sure how safe that will be.She returns home by 6:30 in the evening, exactly 12 hours after she left for work. "I am a single parent, and giving up my job over commute issues is not an option ever," says Gomes. So she tries her best to get a window seat, petitions BEST to run buses on time and negotiates her way past men on crowded railway bridges "that can be a nightmare". "Sometimes I hit out at them. I have developed a pair of eyes at the back also," she says, referring to the constant state of alertness mixed with apprehension that women on the move live with.Isha Goyal 31, Lawyer, Chandigarh 72419356 By Ishani DuttaguptaMode of Travel: CarChallenges:• Has to work late often; roads are deserted after 9 pm• Inner city roads don't have enough police patrolIsha Goyal, a Chandigarh-based lawyer, has developed an evening routine. When she steps out of her office, she calls her mother. "Even though my car is parked right outside my office, as soon as I enter the vehicle, I switch on the lights to check there's no miscreant lurking inside," she says. She makes sure that she has enough fuel in the tank and then centrally locks her car before she starts driving — she doesn't unlock her vehicle till she's home.On the way, she sometimes calls her mother when she stops at traffic lights — a reassurance for both the women.Goyal drives 40-45 km daily — from her home to court and her office, and back."While I feel safe driving to work in the morning, after 9 pm I don't feel safe at all," says Goyal. If it gets later than 10.30 pm, the 31-year-old always asks a male colleague to tail her in his vehicle right up to her home.Goyal says Chandigarh is a city where people retire early and so streets become deserted late at night. She recalls how in 2017, Varnika Kundu, a DJ in Chandigarh, had accused a politician's son of chasing her car and stalking her at night."While the main roads have quite a lot of traffic even at night, especially trucks and buses, as well as police patrols and check posts, the inner roads are deserted. The administration should work towards beefing up security in these areas," she says.She takes longer routes just to avoid lonely stretches. "On late evenings, I carefully plan the route back home. I drive only on major roads even if the route turns out to be a few kilometres longer."Anamika Singh26, Consultant, Gurgaon 72419451 By Ishani DuttaguptaMode of Travel: Delhi MetroChallenges:• She has to work late and metro trains don't run after 11:30 pm• The last-mile connectivity and safety from metro station is a problemAnamika Singh, 26, was delighted when she landed a job at a top consultancy firm. But the daily commute by Delhi Metro — from her home in Noida to her office in Gurgaon — was long, taking almost two hours both ways. It became even more difficult when she had to work late."Often I have to work late. Other times, I go out in the evening with colleagues — it is an opportunity to hang out with team members and network," she says. But the last metro train leaves at 11:30 pm, which makes it difficult for working women with late-night shifts, she says. "The Delhi Metro service should be extended by a couple of hours for the sake of women who are working or staying out very late," she says.Eventually, she decided to rent an apartment closer to office with a few others, shelling Rs 12,000 every month.There are elements of the metro that make Singh feel safe: CCTV cameras and security staff at stations and inside coaches."Throughout the metro ride, I feel someone is keeping a watch. I feel secure.But as soon as I leave the station, the problem starts, with dark alleys and lonely stretches of road where there's no one to turn to for help if attacked," she says.The last-mile connectivity and safety are a worry when she goes home to Noida in the weekends. "The last stretch by taxi or autorickshaw never feels safe late in the evening even though it is just for 10 minutes," she says. She calls her parents or her sister to let them know that she is on the way. And they wait for her, worry for her. Till she is home.Soumitra Som 31, Sales Manager, Guwahati 72419581 By Shantanu Nandan SharmaMode of Travel: Two-wheelerChallenges:• A number of by-lanes are poorly lit• Deserted stretchesAs Soumitra Som, 31, reaches home and parks her scooter every night, she looks up at the balcony. Her mother waits for her, every night. Som smiles at her and saunters in, checking unanswered calls and messages on her phone. She knows there will be a few missed calls from her mother."I usually reach home by 9.30 pm. If I am late, even by 15-20 minutes, my mother keeps ringing me up," says Som, who stays at Maligaon in Guwahati.An area sales manager of the pharmaceutical company, Cipla, she has to visit at least 10 doctors a day. "I have a field job so I have to be mobile. But at times I feel I am not safe even on a two-wheeler," says Som over the phone to ET Magazine. She narrates a recent incident of two men chasing her and trying to snatch her keys. "I was just lucky. That's all. After that incident, my mother has become even more anxious," she says.Every morning, she goes on her Honda Dio for her first appointment, usually to Gauhati Medical College. The journey takes at least 45 minutes — that, too, if she avoids the busy arterial road and takes the interiors, riding through narrow lanes and sometimes waiting at a railway crossing.Off the main road, she says, there are deserted stretches that worry her even during the day.Occasionally, when Som takes an Ola cab at night, she makes it a point to share the cab details with a cousin or a friend.Travelling by bus is hardly an option for her because of her tight schedule but, she insists, bus journeys in Guwahati are somewhat safer. The trouble is in last-mile connectivity. "It takes less than 10 minutes from the main road to my home on a cycle-rickshaw. If I walk, it takes 15 minutes.But our by-lane is poorly lit and there are desolate patches," she says. 72419632 Teena Shrivastava 31, Radio Jockey, Bhopal 72419718 By Shephali BhattMode of Travel: Two-wheelerChallenges: • Working late hours• Several unlit, deserted patches on the wayThis may sound weird," says Teena Shrivastava, "but what if the police were to set up call centres to call women relentlessly like those spammers pitching credit cards, insurance and home loans? They could just ask us if we are safe." Instead of selling insurance, these executives would sell assurance, says the Bhopal-based radio jockey.It is past 9 in the evening and Shrivastava is still at work as she speaks to ET Magazine on the phone.She relies on a five-year-old two -wheeler for her daily commute, which takes about 20 minutes one way.At night, the route to her house has several unlit, deserted patches. "You wish the government would treat streetlights as seriously as it does the Swachh Bharat Mission," says the 31-year-old from Gwalior, who moved to Bhopal for better job opportunities."I work late hours almost everyday and my family back home worries for my safety."She may not talk to her mother for days, but every night she has to text her once she is home. The daily commute doesn't worry Shrivastava much as the route is familiar. Fear breeds in unfamiliar areas.Recently, Shrivastava was travelling after dark to the outskirts of Bhopal for work and had to take a cab home. "I felt the driver was taking me through a deserted route so I had to cook up a story about my father being a policeman.One would think a car would be safer than my two-wheeler but I feel it's more dangerous."Throughout the ride, she kept a close friend's and her mother's numbers on speed dial. "The driver turned out to be a nice man in the end but I couldn't shake off my fear," she recalls.It is for moments like these that Shrivastava has taken a quick, self-defence tutorial in taekwondo. "It has taught me how to break free from someone who has locked my body with their hands." She hopes that day will never come.Ushoshi Syam 24, Graphic Designer, Bengaluru 72419800 By Indulekha AravindMode of Travel: CabChallenges: • Finds it difficult to get cabs after work, especially late at night• Poor public transport connectivity means she has few optionsA regular user of Ola and Uber cabs for her commute, graphic designer Ushoshi Syam faces a legion of problems while trying to return home safely every day. Even so, one incident stands out. "My ride was over but the driver kept calling me. When I picked up, he said, 'Why aren't you taking my call? I know where you live,'" recalls the 24-year-old. The cab aggregator said it would take action against him, but Syam does not feel reassured. "I will not get that driver again but I don't know what other action has been taken against him," she says.For Syam, getting to her home from her office in central Bengaluru, 12 km away, is a struggle. Poor public transport connectivity between her home and office makes her dependent on cabs and autorickshaws.She often ends up waiting for more than an hour to get a cab, especially after 6 pm. As the only woman in a team of 30 till recently, her colleagues have often waited with her till she found a cab. They have even told her that she can leave early and work from home. "But I can't always do that, right? Sometimes, it is work that requires you to coordinate among two-three people," says Syam.She lets her boyfriend, who has the same Ola account as her, keep track of her journey home. If she is taking an Uber, she shares her ride details with him and at times with a colleague. As an added precaution, she carries a can of pepper spray in her bag. "I've never used it, but it's there."Syam would like better public transport with last-mile connectivity."I can take the metro from office but it is not easy to reach home. That area is not well-lit too," she says.Cab aggregators, she says, need to be more accountable. "I was sharing a cab with another woman around 10 pm when the driver abruptly stopped, saying he can't go any further. When I called customer support, they said no other cabs were available.These companies need to take complaints more seriously.Right now, no one is held accountable." 72419839 Jagriti21, Sales Assistant, Ghaziabad 72419891 By Ishani DuttaguptaMode of Travel: BusChallenges: • Harassment in the bus and at bus stations• Bus stand is deserted at night and the walk home is unsafeJagriti (she doesn't use a surname), a 21-year-old who lives in East Delhi, has often wondered if she should give up her job as a sales assistant in a mall in Ghaziabad, Uttar Pradesh. It is not the length of the commute that worries her — although that is not easy either — but the harassment that she faces almost daily in public transport. Her commute involves a 10-minute walk from her home to the bus stop from where she takes a DTC bus to the Anand Vihar terminus. She takes a Uttar Pradesh state bus or, at a pinch, a shared autorickshaw to the mall.The large inter-state terminus is crowded. She says she is pushed, shoved, groped and jostled as she waits for the bus. Inside the bus, it is difficult to find a seat during peak hours. "The buses are usually crowded and men grope and harass women. This is a problem I have to deal with almost every day. Even if I raise my voice against such harassment, others don't support me," she says.When she returns home at around 8:30 pm, the bus stop is deserted. She is nervous during the 10-minute walk home. The recent move by the Delhi government to make bus rides free for women hasn't helped her much, says Jagriti. "I can afford the bus fare but I wish some steps were taken to make the buses and the bus stops safe for women passengers from men who harass and molest us." She says she has sometimes spotted marshals in Delhi buses, meant to ensure the safety of women passengers. "But they are not around too often or the buses are so crowded that they find it difficult to catch miscreants." Something has to be done, she says. "Otherwise, the only option for me is to give up this job and find something that doesn't involve bus travel," she says.Deepa Kumari Suman 35, Advocate at District Court, Chakkar, Shimla 72419945 By Prerna KatiyarMode of Travel: WalkingChallenges: • A man harassed and stalked her• Lack of CCTV cameras and police apathyEvery night he waited for me in his taxi at an isolated spot and followed me," recalls Deepa Kumari Suman, an advocate at the District Court in Chakkar, Shimla. "After court hours, often I have to stay back and work till 7:30 pm to meet our clients and finish file work. Just a few weeks back, I noticed a taxi driver following me in a desolate patch, a stretch of two kilometres," recalls the 35-year-old. "The man would drive right behind me while I was walking back home from the court. Finally I told my husband, who followed the stalker, noted down the taxi owner's number written on the car and complained to the owner as well as the police. From the next day, the man was not to be seen."Suman is one of the many women who walk to work. She walks 5 km each in the morning and evening, to and from her home and court. The roads are no longer safe, she says. "Just last year, a woman who used to walk to work like me complained to the police of being followed by a gang of men in a car. The police ignored her complaint and later she was kidnapped in the busy Lakkad Bazaar of Shimla," she alleges.The police, she says, should take preventive action and be more proactive when a woman approaches them. "With the rising consumption of chitta (drugs) and alcohol, it is common to spot college boys and taxi drivers having the substance in public. The police are aware of these points within city limits but they choose to overlook it," she says. "Every woman is wary of passing these spots but we have no choice. We have to work. The police should catching these offenders instead of looking the other way," she says. To feel safe, Suman keeps talking to her husband or a colleague till she reaches home. She says there should be more CCTVs on the road. "While the busy roads in Shimla have some CCTV cameras, the lonely patches lack them altogether. This has to change." 72419967 Kajal Bansal26, Technical Recruiter, Noida 72420042 By Prerna KatiyarMode of Travel: CabChallenges:• Isolated patches, lack of CCTV cameras, prying cab driversWhy should a 20-minute journey be so nerve-wracking? That is a question Kajal Bansal, a senior technical recruiter in Noida in the National Capital Region, asks herself almost every evening, as she takes a cab from her home to office. "It should have been a joy ride but, after dark, it's a different world altogether.""Men stare on the streets and I always think they must have daughters and sisters and wives. Do they behave like this at home?" To be safe, to avoid the stares, Bansal takes a taxi back home. As a precaution, she shares her ride details with her family every day. She is extra cautious in the cab too. "Cab drivers can become chatty and ask too many questions. One has to draw a fine line between not being friendly and yet not being curt," she says. She gives false information to any question seeking personal details.Often, she resorts to phoning a friend and talking to them till she reaches home. "I know the driver is listening to everything. Hence I keep informing the other person on the phone about my current location." Roads are invariably poorly lit in patches on her way home. "CCTV cameras are few and far between," she says. "Most of the streetlights don't work."She wants every office to have a transportation facility for its women employees. "There should be a cab or a shuttle facility after dark, without exception. Won't this make it easier for working women?" she asks.Anusha Katta28, Senior System Engineer, Hyderabad 72420063 By By CR SukumarMode of Travel: Hyderabad Metro, shared auto and cabChallenges:• Harassment in crowded metro coaches• Not enough reserved coaches for womenAnusha Katta, an engineer at an information technology giant in Hyderabad's IT corridor Cyberabad, says lack of safe commute can be detrimental to the career prospects of women. Her own company provides drop facility after 7 pm, but her friends in smaller companies have not been so lucky."Many of my female friends in the IT profession have compromised their career prospects due to night shifts, long commuting hours, and responsibilities of children, parents and in-laws," she says. "Citing unsafe conditions in certain stretches during late evenings, family members ask women professionals not to join projects with night shifts. These projects would have helped them advance their career."A team leader, Katta says women professionals who opt to leave office early invariably lose their chance to be part of some key projects involving large overseas customers. "I have come across instances where women had to decline work assignments due to shifts that ended late in the evening as their families felt it was unsafe. "Katta herself takes the Hyderabad Metro and then a seven-seater autorickshaw or a cab for the last mile. "Men stare at women who are out late but it is their misbehaviour in crowded coaches in broad daytime that sickens me," she says. She wants the Hyderabad Metro Rail authorities to increase the number of coaches reserved for women at least during the rush hour."Women professionals should equip themselves with selfdefence articles like pepper spray. They should also make it a habit to share their live location with friends and family the minute they get into cabs or autos late in the evening," says Katta. 72420076 72420087 Aruja32, Cook, Gurgaon 72420114 By Prerna KatiyarMode of Travel: CycleChallenges:• Men stare at her and verbally and physically harass herThree years back, 32-year-old Aruja (she revealed only her first name) left her hometown in Malda, West Bengal, and reached Gurgaon in Haryana, which she now calls home. "The week I started working here, I heard about a woman, who, like me, was walking back home from work, and was raped and murdered in the dark. That's when I decided to get a bicycle."She makes a living cooking for four households. Thanks to the cycle, she saves time and is not exhausted at the end of the day. The rides though are not safe. "Men make lewd comments and gestures. Once two men tried to stop me when I was returning from work. I screamed 'police' and they ran away. Since then I am careful to change my route every now and then," she says. "However, I hardly spot a policeman in the 4 km stretch I travel. Shouldn't they be on duty at night when it is so unsafe?"She has found three routes from her home to the sector where she cooks, and she takes a different one every other day. "After cooking dinner at the fourth house, I get free by nine at night. Since the time I heard about the horrific Telangana rape, I have become more alert. I wish there were more streetlights and at least one policeman on my route. The didi in Telangana could also have been saved if we had been more careful."Aruja says hanging the culprits in public is the only way to deter potential offenders. "The punishment ought to be as severe as the crime," she says.She doesn't reveal her ordeal to her husband lest he stops her from working. "The only reason I have come here, leaving my daughter with my mother back home, is to make some money. What is the point of staying here if I am not able to earn?" she asks.

From farm to home, M&M Fin is betting on digital sales

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A diversity can often open up new avenues. For Mahindra & Mahindra Financial Services, it might have just opened up new revenue streams.In the first half of 2019-20, the liquidity crisis hovering over the non-banking finance companies (NBFCs) in India reached the doorsteps of M&M Financial. The NBFC arm of automobile major M&M Group — which focuses on vehicles, equipment, and SME financing in rural and semi-urban areas saw profits plunge in both the first two quarters. Growth slowed in the face of poor consumer sentiment even as the cost of funds went up.The scrip plunged 10.5% on a single day after the first quarter results and analysts pointed out how the business model of the NBFC was dependant on the auto industry and the vagaries of the agricultural cycles. M&M Financial, among the top three in vehicle financing in India with a loan book exceeding Rs 70,000 crore, pushed hard on the used-vehicle financing pedal as a first step. And then it decided to evolve its business model, offer new products for new customers along with building a digital access layer. The NBFC is moving into financing consumer durables and personal loans that its customers might need. Its housing finance subsidiary, which only gave small-ticket loans for home extensions and has a loan book of Rs 8,000 crore, will now offer to finance affordable homes too.M&M Finance MD Ramesh Iyer says the consumer durables and personal loans will grow to a loan book of Rs 10,000 crore in two years, while the affordable housing book would grow to around Rs 2,500 crore.Iyer tells ET Magazine he has seen the profile of his customers slowly changing and becoming younger.The farmer who would buy a tractor at the age of 40-45 was now doing so at 30-35. The car buyer was now even younger at 25-35 years from 35-plus earlier. "Customers were increasingly asking for loans to buy consumer durables or loans to meet shortterm business or personal needs. And the customer was more aware of options, ready to hunt for a better price or interest rate. We started asking ourselves how do we meet the demands of this new customer?"72418140 While trying to broaden the range of products, Iyer and his team decided to build a layer of digital access that would ride on the NBFC's physical presence of 1,500 branches. "We had to be phygital," Iyer says. A completely digital strategy is not feasible in rural areas, he says. The first step is to make it easier for an existing customer to access another product, be it a loan or insurance offering. M&M's digital platform will allow a customer to seek loans from his own home through an app or through the website. The company has a 20 member team working on an artificial intelligence platform that would be used to offer products on the basis of metrics such as repayment record and credit score. This would complement the physical presence of the branch network, which still depends on personally assessing a customer and customising products for agricultural cycle-led business models.In a development last week that further helps diversify the loan book, M&M Financial got an investment of $200 million from the World Bank Group's International Finance Corporation, half of which will be dedicated to funding women-led MSMEs.M&M Financial says even otherwise, it was adequately funded. Iyer says: "The liquidity crunch never affected our money supply as we were always able to raise money. But the cost of funds went up by 100-150 basis points since the third quarter of FY19. Customer sentiments were also low since January 2019. Add to this the fact that this is the first year of reporting numbers under the new accounting standards, IND AS."Let us take a look at the numbers now. While consolidated total income had grown from Rs 2,315 crore for the first quarter of 2018-19 to Rs 2,851.70 in Q1 of 2019-20, the reported profit after tax dropped from Rs 322.27 crore to Rs 108.46 crore in the same period. On July 24, a day after the results were announced, the M&M Financial stock shed 10.5% to close at Rs 304.35.72418175 72418181 Edelweiss Securities analysts had said on July 23 that the results were disappointing, though the first quarter is usually soft for the NBFC sector. "MMFSL's business model is directly linked to demand for underlying auto segments, hence earnings will be subject to the seasonality and cyclicality of the same," they added. Expansion of footprint by other NBFCs and a rural slowdown would also affect it. Edelweiss maintained a buy but revised the target price from Rs 518 to Rs 390.In the July-September quarter of FY20 profit more than doubled to Rs 263.6 crore quarter on quarter, but year-on-year net profit was still down by 39%, from the Rs 435 crore recorded in the second quarter of 2018-19. On October 23, Edelweiss revised the stock target price to Rs 397, and said: "With high-cost borrowing retiring & M&M Financial Services' pricing power, we anticipate improvement to play through." The scrip closed at Rs 327.60 on December 6. Slowed growth remains a challenge. Iyer points out that from a 20% growth in business in the festive season of 2018, it is now at a low of 5%.Iyer says the NBFC has made other changes. It has virtually stopped lending to smaller NBFCs. The shortterm money raised through commercial paper have come down to 5-7% of its borrowings from 12-15%. Cost of funds has declined to around 8% from 9.5% last year. Fixed deposits have grown from 7-8% to around 15% of its portfolio. The NBFC is also open to acquisitions — a portfolio buy being the preferred option, rather than buying out another NBFC. All options for growth seem to be on the table.

From farm to home, M&M Financial is doubling down on digital sales

Posted:

A diversity can often open up new avenues. For Mahindra & Mahindra Financial Services, it might have just opened up new revenue streams.In the first half of 2019-20, the liquidity crisis hovering over the non-banking finance companies (NBFCs) in India reached the doorsteps of M&M Financial. The NBFC arm of automobile major M&M Group — which focuses on vehicles, equipment, and SME financing in rural and semi-urban areas saw profits plunge in both the first two quarters. Growth slowed in the face of poor consumer sentiment even as the cost of funds went up.The scrip plunged 10.5% on a single day after the first quarter results and analysts pointed out how the business model of the NBFC was dependant on the auto industry and the vagaries of the agricultural cycles. M&M Financial, among the top three in vehicle financing in India with a loan book exceeding Rs 70,000 crore, pushed hard on the used-vehicle financing pedal as a first step. And then it decided to evolve its business model, offer new products for new customers along with building a digital access layer. The NBFC is moving into financing consumer durables and personal loans that its customers might need. Its housing finance subsidiary, which only gave small-ticket loans for home extensions and has a loan book of Rs 8,000 crore, will now offer to finance affordable homes too.M&M Finance MD Ramesh Iyer says the consumer durables and personal loans will grow to a loan book of Rs 10,000 crore in two years, while the affordable housing book would grow to around Rs 2,500 crore.Iyer tells ET Magazine he has seen the profile of his customers slowly changing and becoming younger.The farmer who would buy a tractor at the age of 40-45 was now doing so at 30-35. The car buyer was now even younger at 25-35 years from 35-plus earlier. "Customers were increasingly asking for loans to buy consumer durables or loans to meet shortterm business or personal needs. And the customer was more aware of options, ready to hunt for a better price or interest rate. We started asking ourselves how do we meet the demands of this new customer?"72418140 While trying to broaden the range of products, Iyer and his team decided to build a layer of digital access that would ride on the NBFC's physical presence of 1,500 branches. "We had to be phygital," Iyer says. A completely digital strategy is not feasible in rural areas, he says. The first step is to make it easier for an existing customer to access another product, be it a loan or insurance offering. M&M's digital platform will allow a customer to seek loans from his own home through an app or through the website. The company has a 20 member team working on an artificial intelligence platform that would be used to offer products on the basis of metrics such as repayment record and credit score. This would complement the physical presence of the branch network, which still depends on personally assessing a customer and customising products for agricultural cycle-led business models.In a development last week that further helps diversify the loan book, M&M Financial got an investment of $200 million from the World Bank Group's International Finance Corporation, half of which will be dedicated to funding women-led MSMEs.M&M Financial says even otherwise, it was adequately funded. Iyer says: "The liquidity crunch never affected our money supply as we were always able to raise money. But the cost of funds went up by 100-150 basis points since the third quarter of FY19. Customer sentiments were also low since January 2019. Add to this the fact that this is the first year of reporting numbers under the new accounting standards, IND AS."Let us take a look at the numbers now. While consolidated total income had grown from Rs 2,315 crore for the first quarter of 2018-19 to Rs 2,851.70 in Q1 of 2019-20, the reported profit after tax dropped from Rs 322.27 crore to Rs 108.46 crore in the same period. On July 24, a day after the results were announced, the M&M Financial stock shed 10.5% to close at Rs 304.35.72418175 72418181 Edelweiss Securities analysts had said on July 23 that the results were disappointing, though the first quarter is usually soft for the NBFC sector. "MMFSL's business model is directly linked to demand for underlying auto segments, hence earnings will be subject to the seasonality and cyclicality of the same," they added. Expansion of footprint by other NBFCs and a rural slowdown would also affect it. Edelweiss maintained a buy but revised the target price from Rs 518 to Rs 390.In the July-September quarter of FY20 profit more than doubled to Rs 263.6 crore quarter on quarter, but year-on-year net profit was still down by 39%, from the Rs 435 crore recorded in the second quarter of 2018-19. On October 23, Edelweiss revised the stock target price to Rs 397, and said: "With high-cost borrowing retiring & M&M Financial Services' pricing power, we anticipate improvement to play through." The scrip closed at Rs 327.60 on December 6. Slowed growth remains a challenge. Iyer points out that from a 20% growth in business in the festive season of 2018, it is now at a low of 5%.Iyer says the NBFC has made other changes. It has virtually stopped lending to smaller NBFCs. The shortterm money raised through commercial paper have come down to 5-7% of its borrowings from 12-15%. Cost of funds has declined to around 8% from 9.5% last year. Fixed deposits have grown from 7-8% to around 15% of its portfolio. The NBFC is also open to acquisitions — a portfolio buy being the preferred option, rather than buying out another NBFC. All options for growth seem to be on the table.

NTPC signs term loan of Rs 5,000 cr with SBI

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NEW DELHI: Power generation company NTPC on Saturday said it has signed a term loan agreement for Rs 5,000 crore with State Bank of India (SBI). The loan facility has been extended at an interest rate linked to 3-month MCLR (marginal cost of funds-based lending rate) of the bank and has a door-to-door tenure of 15 years, NTPC said in a statement. The loan will be utilised to part finance the capital expenditure of NTPC, it said.

Goldman says case to diversify with gold ‘as strong as ever’

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By Yvonne Yue LiGoldman Sachs Group Inc. said investors should diversify their long-term bond holdings with gold, citing "fear-driven demand" for the precious metal."Gold cannot fully replace government bonds in a portfolio, but the case to reallocate a portion of normal bond exposure to gold is as strong as ever," Goldman analysts including Sabine Schels said in a note Friday. "We still see upside in gold as late cycle concerns and heightened political uncertainty will likely support investment demand" for bullion as a defensive asset. 72411630 The precious metal climbed to a six-year high in September as the Federal Reserve cut borrowing costs and the total pile of debt yielding less than zero climbed to a record $17 trillion, boosting the appeal of non-interest bearing gold.Hedge funds and other large speculators boosted their bullish bets on the precious metal by 8.9 per cent in the week ended Dec. 3, government data showed Friday. That's the biggest gain since late September.Gold has fallen more than 6 per cent from the peak to close at $1,460.17 in the spot market Friday.While Goldman said the correction on bullion prices has further room to run, the bank is still sticking to its forecast prices will climb to $1,600 over the next year.

Are tech charts signalling a big rally ahead for Reliance Ind?

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Independent market expert Kunal Bothra says several factors have cumulatively led to a selloff in domestic equities. "In terms of levels, we are perched at very important support on Nifty at 11,800. And I believe the 31,000 mark would be a very important support for Bank Nifty," he said. Excerpts from an interview with ETNOW:- ET Now: What happened to the banking space on Friday? Will it continue or can we expect some relief by next week?Kunal Bothra: A couple of things happened. First, in purely technical terms, it's about how the prices behaved in the last one month or from the start of November in many stocks like Reliance Industries, SBI etc. Many of these stocks were making a pattern of new highs on a regular basis but many of the indicators for these stocks have started to make a new low. In technical terms, we call it a bearish divergence, where the prices keep on making new high but the indicators keep on making new lower high and that was one of the key reasons why there was pressure which was visible in the markets. Also, when you look at market internals specifically, since the start of the previous week the market breadth had started to deteriorate first; the advance-decline ratio was on the negative side for almost two or three consecutive days for the previous week and then the large caps started to bleed. These factors cumulatively I believe could have led to the market selloff. In terms of levels, we are perched at very important support on the Nifty at 11,800. And I believe 31,000 is a very important support for Bank Nifty.ET Now: What are the chart patterns indicating for Reliance?Kunal Bothra: Chart patterns suggest that the stock would consolidate now. Many of the indicators for Reliance Industries are showing dual signals. There is a divergence that has bearish implications on the stock price but at the same time, there is a very strong gap support for Reliance Industries and upward gap which was created a couple of weeks back around Rs 1,515-1,530 zone. The stock tried to penetrate this level twice in the last two weeks and on both of the attempts, the stock got back into the demand zone and there was buying which came across. There are two important observations here and both of them contrary to other. The general expectation is that the stock could go through consolidation but one has to understand that Reliance Industries has done exceptionally well in the last two or three months. It is not a high beta stock, it is a relatively low to medium beta stock in terms of price performance. So, if the stock moves up 20-30% in the short span of time, it calls for more time-wise correction rather than price wise correction. I believe Reliance Industries could be at the brunt of it. Over the next couple of weeks, I would expect more sideways range for Reliance Industries.ET Now: What are your top picks for next week?Kunal Bothra: Looking at the weakness in the markets and assuming that we could have a spillover effect next week, I would suggest a couple of shorting ideas. If the market goes into a mode where risk is taken back then I believe many of the high beta stocks would start to correct. Adani Enterprises would have picked up as a first stock on the short side. That stock looks to be retracing some of its gain which it had already shown in the last one or two months. It is placed at Rs 205 plus levels and would be a good shorting opportunity with a target at Rs 196, stop loss at Rs 212 mark. The second would be a sell on Bharti Airtel. The stock has an interesting chart because it is now on the verge of breaking its 20-day moving average support on the daily charts. Looking at the weakness in the last two or three days, the stock from Rs 470 odd levels has corrected gradually towards Rs 440 mark and I believe if this 20-day moving average gets breached it could drag a bit lower. So, I have a sell call on Bharti Airtel with a short term target of Rs 420 and stop loss at Rs 455.

Security flaw in Airtel app exposes customers data, fixed now

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NEW DELHI: An independent cyber security researcher found technical flaws in an application of Bharti Airtel that exposed "sensitive user information" which the company claims to have fixed now. According to the cyber security researcher Ehraz Ahmed the flaw existed in one of the Airtel app that allows "to fetch sensitive user information of any Airtel subscriber." "It revealed information like first and last name, gender, email, date of birth, address, subscription information, device capability information for 4G, 3G & GPRS, network information, activation date, user type (prepaid or postpaid) And current IMEI number," Ahmed said in his blog. The IMEI number is a unique number that can be used to identify the device of the user. "Every user that is on India's Airtel network was at risk of getting his information leaked through this vulnerability, and risking over 325.5 million subscribers in India," Ahmed said. When contacted Bharti Airtel spokesperson acknowledged the flaw and said that it has been fixed as soon as the company was alerted about it. "There was a technical issue in one of our testing APIs, which was addressed as soon as it was brought to our notice. Airtel's digital platforms are highly secure. Customer privacy is of paramount importance to us and we deploy the best of solutions to ensure the security of our digital platforms," Airtel spokesperson said.

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Four dead in shooting near Mexico’s presidential residence

Posted: 07 Dec 2019 04:44 PM PST

Four dead in shooting near Mexico's presidential residence
Preliminary reports indicated that an armed man entered a building on a small street near the palace looking to relieve himself, Mexico City police said.

Source: TFE

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