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

Posted: 13 Jan 2020 04:11 AM PST

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

Tweets For Today

Posted: 12 Jan 2020 10:00 PM PST

Picture Of The Day

Posted: 12 Jan 2020 09:23 PM PST

Premier of Alberta Jason Kenney, Prime Minister of Canada Justin Trudeau and David H Turpin, President of the University of Alberta, attend a memorial service at the University of Alberta for the crash victims in Edmonton, Canada January 12, 2020. REUTERS/Candace Elliott

WNU Editor: The above picture came from this photo-gallery .... Ukrainian airliner crash victims mourned (Reuters).

China Should Never Have Stolen This Russian Jet Design

Posted: 12 Jan 2020 09:19 PM PST


National Interest: China Paid a Big Price For Stealing a Russian Fighter Jet Design

Beijing is paying the price.

Key Point: Russia loves pointing out the flaws in the Chinese J-15, which is a knock-off of their Su-33

Though Russia and China are now friends, even holding joint exercises, Russia's Sputnik News recently trotted out an article titled "Chinese Navy Short on Carrier-Based Fighters, Only Has Problem-Ridden J-15."

The J-15 is an unlicensed copy of Russia's Su-33 carrier jet, which is a 1980s derivative of the Su-27K land-based fighter. China had acquired a T-10K-3, an Su-33 prototype, from Ukraine and then reverse-engineered it.

Read more ....

WNU Editor: It is never easy to reverse engineer sophisticated tech.

New India-China Military Hotline To Become Operational

Posted: 12 Jan 2020 08:57 PM PST

Economic Times: New India-China military hotline to become operational between DGMO and Western Theatre Command

India and China have also looked at setting up more hotlines between their armies. During the visit of the Chinese Defence Minister General Wei Fenghe to India in August 2018, a year after the Doklam standoff, he had suggested to the then Defence Minister Sitharaman on establishing two to three more military hotlines with India such as at the local command level.

NEW DELHI: A new military hotline between India and China which has been pending for a long time will soon become operational, Army Chief General Manoj Mukund Naravane said on Saturday. He explained that the proposal for the hotline has been accepted by both sides after all procedural issues were resolved.

Naravane shared the development during his first press conference after taking over as the Army Chief. "As far as the hotline between India and China is concerned, proposals have been in the pipeline for a long time," he said.

Read more ....

WNU Editor: This is long overdue.

The Russian Navy Has The Monopoly On Supercavitating Torpedoes

Posted: 12 Jan 2020 08:52 PM PST

Media: Wikipedia

National Interest: Russia's 200 Knot 'Supercavitating' Torpedoes Leave America Speechless

Key point: At the moment Russia has a monopoly on supercavitating missiles.

Imagine the sudden revelation of a weapon that can suddenly go six times faster than its predecessors. The shock of such a breakthrough system would turn an entire field of warfare on its head, as potential adversaries scrambled to deploy countermeasures to a new weapon they are defenseless against. While a lull in great power competition delayed the impact of this new technology, the so-called "supercavitating torpedo" may be about to take the world by storm.

Read more ....

WNU Editor: A torpedo moving at 200 knots?!?!?!?

The US Navy Was Eager To Get Back Its Secret Device From A Croatian Fisherman

Posted: 12 Jan 2020 08:19 PM PST

The mystery object was handed over to the crew of the US Naval Service's Oceanographic survey ship USNS Bruce C. Heezen. H I Sutton (Author)

Forbes: Mystery Underwater Device Lost By U.S. Navy

A Croatian fishing vessel netted more than it bargained for when it pulled part of a U.S. underwater system out of the Adriatic on Jan. 6. The Marian II was trawling at depths of 460 feet when the snared the mystery object. The device, weighing about 220 pounds, was hauled up onto deck. The crew, and local media could only speculate as to what it was.

The object consisted of a square orange buoy with an anchor underneath. There appears to be a Teledyne Model R12K Acoustic Transponding Release in one of two vertical tubes. This would be used for launching another more valuable instrument. The yellow tubular object appears to be a Kongsberg cNODE transponder which can act as a sophisticated beacon.

Read more ....

WNU Editor: It must have been important. The US Navy moved very quickly to get it back, and probably paid a good amount of money to get it back.

US Navy Admits It Still Has Additional Video Of The 2004 USS Nimitz ‘Tic Tac’ UFO Encounter That Has Not Been Released To the Public

Posted: 12 Jan 2020 07:40 PM PST

The classified video is likely the full version of the leaked 76-second clip (above) which circulated online from 2007, and was confirmed as authentic in 2017

Daily Mail: Navy admits it has secret unreleased video from infamous USS Nimitz encounters with mysterious 'Tic Tac' UFO in 2004

* ONI revealed the existence of the video in a response to a FOIA request
* The classified video relates to the 2004 USS Nimitz 'Tic Tac' UFO encounters
* A confirmed clip of gun-pod video of the flying object previously leaked online
* The classified video is likely the full unreleased version of that leaked video
* ONI also says it has Top Secret briefing slides related to the encounters

The U.S. Navy's Office of Naval Intelligence has revealed the existence of a classified, unreleased video relating to the USS Nimitz carrier group's 2004 encounters with a 'Tic Tac'-shaped UFO.

The existence of the video was revealed in a response to a Freedom of Information Act request made by researcher Christian Lambright, and published by Lambright's friend Paul Dean on Wednesday.

The video is likely the full version of a leaked 76-second video clip that the Defense Department admitted in 2017 was authentic Forward Looking Infrared (FLIR) gun-pod camera footage of the object shot by an F-18 Super Hornet pilot over the Pacific.

However, the possibility remains that a separate video exists of the object, which at least six Super Hornet pilots made visual or instrument contact with on November 14, 2004.

Read more ....

More News On The US Navy Admitting It Still Has Additional Video Of The 2004 USS Nimitz 'Tic Tac' UFO Encounter That Has Not Been Released To the Public

Navy admits it still has never before released video of infamous USS Nimitz 'Tic Tac' UFO encounter -- The SUN
The Navy Has Secret Classified Video of an Infamous UFO Incident -- VICE
US Military Admits It Has Secret Footage of UFO Incident -- Futurism
Navy Pilot Who Filmed the 'Tic Tac' UFO Speaks: 'It Wasn't Behaving by the Normal Laws of Physics' -- NYMag

Russsian President Putin: A Full-Scale War In The Middle East Would Be A 'Catastrophe For The Whole World'

Posted: 12 Jan 2020 07:03 PM PST



Bloomberg: Putin Warns Full-Scale War in Mideast Would Be 'Catastrophe'

(Bloomberg) -- Russian President Vladimir Putin warned that a full-scale war in the broader Middle East would be a global "catastrophe" and said he hopes it won't happen.

"War is already going on there -- it is low-intensity, but this is war," Putin said at a news conference in Moscow after talks with German Chancellor Angela Merkel on Saturday. "People get killed. It's a fact."

Putin was responding to a question about U.S.-Iranian tensions after the targeted killing of a Iranian general Qassem Soleimani in Iraq and the downing of a Ukrainian passenger jet near Tehran by a missile that Iran said was fired in error.

"We would like to avoid major military actions," Putin said. "If this happens, it will be a catastrophe not only for the Middle East region but for the whole world."

He said reducing tension in the region was among the topics he and Merkel discussed.

Read more ....

Update: Russian President Vladimir Putin warns a full-scale war in the Middle East would be a 'catastrophe for the whole world' (Daily Mail)

WNU Editor: The entire region has been engulfed in war for years. It is hard to see how it can get worse.

Is The Iranian Regime Fragile?

Posted: 12 Jan 2020 06:00 PM PST

Iranians shop in the Tajrish Bazaar in Tehran in November 2019. Photo: Atta Kenare / AFP

David Goldman, Asia Times: How fragile is Iran's regime?

US sanctions are creating extreme economic conditions; birthrate dropping precipitously

Smartphone videos of anti-regime protests in Tehran circulated in global news media this weekend, after the Iranian government admitted it shot down a Ukrainian civilian airliner. The latest demonstrations followed a national wave of protests last November in which up to 1,500 demonstrators were killed. Hard information about the origins and extent of the anti-regime protests is difficult to find. But there is a good deal of evidence of extreme dissatisfaction with the regime due to economic stress.

Iran's average monthly after-tax wage was US$318.53, according to the website Numbeo, which tallies thousands of user inputs to arrive at wage and price data.

Using Numbeo's prices I constructed a monthly survival budget in US dollar equivalents:

Read more ....

WNU Editor: A sobering read on how difficult life is in today's Iran.

The U.S. And Iranian General Soleimani Worked together To Defeat ISIS

Posted: 12 Jan 2020 05:43 PM PST

Major General Qassem Soleimani

Philip Kowalski, OZY: Soleimani and the United States Worked Together to Beat ISIS

Before Gen. Qassem Soleimani was killed by a drone strike outside Baghdad's international airport in the early hours last Friday, he was hardly a household name in the United States. The White House — which had ordered the killing — immediately set about framing the assassination along the same lines as the death of Abu Bakr al-Baghdadi a few months previously, or that of Osama bin Laden in 2011. America had just defeated one of its greatest enemies, officials said.

But that Soleimani, the commander of Iran's Quds Force — the country's elite external military wing — was a relatively unknown figure among the American public not only attests to his skill as an officer of clandestine warfare, but also the extremely complicated relationship he had with the United States. Just a few years earlier, Soleimani had been an indispensable figure in the fight against the Taliban and ISIS.

Read more ....

WNU Editor: The war against ISIS did bring about some unique alliances.

US President Trump 's Tweet In Farsi 'The Most Liked Persian Tweet' In History Of Twitter

Posted: 12 Jan 2020 05:37 PM PST


Washington Examiner: Trump tweet in Farsi 'the most liked Persian tweet' in history of Twitter

President Trump's tweet in Farsi expressing his support for Iranians protesting Supreme Leader Ayatollah Ali Khamenei has already earned over 200,000 likes, making it the "most liked Persian tweet" in the social media giant's history, according to a leading think tank adviser.

On Saturday, protesters in the country called upon Khamenei to step down after Iran admitted to shooting down a commercial airliner on which dozens of Iranian citizens were traveling. That evening, the president sent out a tweet in Farsi, saying that he stands with their efforts.

Read more ....

WNU Editor: On the other side ....

Another Day Of Protests In Iran Over Downed Plane

Posted: 12 Jan 2020 05:27 PM PST



BBC: Iran plane downing: Second day of protests turns up heat on leaders

Iran's leaders have faced a second day of protests following their admission the military shot down a Ukrainian passenger plane, killing all 176 people on board, many of them Iranians.

Protesters in Tehran and in several other cities chanted slogans against the leadership.

Clashes with security forces and the firing of tear gas are reported.

Iran admitted "unintentionally" hitting the plane after initially denying it, amid rising tensions with the US.

The plane, en route to the Ukrainian capital, Kyiv, was shot down near Tehran last Wednesday, shortly after Iran had launched missiles at two airbases housing US forces in Iraq.

Read more ....

WNU Editor: Here is an easy prediction. These protests are not going to end anytime soon.

More News On The Unrest In Iran

Anger after Iran admits downing plane: All the latest updates -- Al Jazeera
Thousands of Iranian protesters hit streets condemning leaders over downed plane -- CNN
Protests erupt again in Iran after admission of plane strike -- Reuters
Iranian Turmoil Grows as Angry Protesters Criticize Regime Over Ukrainian Jet Crash -- CBN
Tensions High As Iranians Continue Protests Over Downing Of Ukrainian Jet -- RFE

Hezbollah Leader Nasrallah Says Payback For US Strike That Killed Qassem Soleimani Has Begun

Posted: 12 Jan 2020 04:41 PM PST



Daily Mail: Hezbollah leader warns the US will 'discover in blood how unsafe the world has become' as he cites The Washington Post's criticism of Trump

* Secretary-general Hassan Nasrallah called Trump 'the biggest liar in US history'
* The last known images of Iranian general Qassem Soleimani before he was killed in a US drone strike show him hugging and praying with Nasrallah in Beirut
* Nasrallah said Sunday: 'America built ISIS to destroy our countries, our cultures'
* Nasrallah added: 'The American leadership said in days after Soleimani's death the world was a safer place. They will discover in blood that they were wrong'
* The comments were Nasrallah's second since Soleimani's death on January 3

Hezbollah leader Hassan Nasrallah labelled America 'the Great Satan' in a speech Sunday, as he vowed revenge for Qassem Soleimani's death and cited The Washington Post's criticism of Donald Trump.

The Lebanese secretary-general called the president 'the biggest liar in America's history' a week after saying all US bases, all warships and every single soldier in the region is now a target.

The last known images of Iranian general Qassem Soleimani before he was blown up in a US drone strike show him hugging and praying with Nasrallah in Beirut.

And Nasrallah said Sunday: 'America, the Great Satan, is responsible for Israel and all its crimes against the Palestinian people'

Read more ....

WNU Editor: I for one would not be surprised if Hezbollah leader Nasrallah is on a kill list .... Iran said to warn Hezbollah chief he could be next in US crosshairs (Times of Israel).

More News On Hezbollah Leader Nasrallah's Threats Against The U.S.

Hezbollah says payback for US strike has just begun -- AP
Hezbollah: It's time for Iran's allies to start working to avenge Soleimani -- Reuters
Hassan Nasrallah: Attacks on Iraqi bases just the start -- Al Jazeera
Hezbollah's Nasrallah threatens US troops, vows retaliation against Israel -- Times of Israel

Four Iraqi Air Force Servicemen Injured As 8 Rockets Hit Base Housing US Troops

Posted: 12 Jan 2020 04:08 PM PST

Ballistic missile debris is seen after Iran's Revolutionary Guard targeted Ain al-Asad airbase in Iraq last week [Anadolu Agency]

Al Jazeera: Rockets hit Iraq military base hosting US troops

Airbase north of Baghdad targeted with rocket barrage, wounding four Iraqi soldiers, as US-Iran tensions simmer.

Rockets slammed into an Iraqi airbase north of Baghdad on Sunday where US troops have been based, wounding at least four Iraqi troops. No immediate information about American casualties was reported.

At least six rockets struck the Al Balad base, which hosts American trainers, advisers and a company that provides maintenance services for F-16 aircraft. Some projectiles fell on a restaurant inside the airbase, officials said.

The attack came just days after Iran fired ballistic missiles at two bases in Iraq that house US forces, causing no casualties.

Read more ....

More News On Iraq Military Base Hosting US Troops Being Hit With 8 Rockets

Four wounded in attack on Iraqi military base that houses U.S. forces -- Reuters
7 bombs struck an Iraqi joint military base housing US soldiers, wounding 4 -- Business Insider
Rockets hit Iraq air base housing US troops -- DW
Four Iraqi Air Force servicemen injured as 8 rockets hit base housing US troops – Iraqi PM's office -- RT
Mortar bombs hit Iraq base hosting US troops: Military sources -- Middle East Eye
US condemns latest missile attack on major Iraqi airbase where American troops are stationed -- SCMP/AFP

Protesting Students Of Beheshti University In Iran Refuse To Walk On The American And Israeli Flag

Posted: 12 Jan 2020 03:57 PM PST



WNU Editor: This generation is the future of Iran.

U.S. Defense Secretary Esper: Didn’t See Specific Evidence Iran Planned To Attack 4 Embassies

Posted: 12 Jan 2020 03:11 PM PST


CBS: Esper says he "didn't see" specific evidence showing Iranian threat to 4 U.S. embassies

Washington — Secretary of Defense Mark Esper said he "didn't see" specific evidence that top Iranian military commander Qassem Soleimani was planning attacks on four U.S. embassies, but said he believed such attacks would have occurred.

"The president didn't cite a specific piece of evidence. What he said was he believed," Esper said Sunday on "Face the Nation." "I didn't see one, with regard to four embassies. What I'm saying is that I shared the president's view that probably — my expectation was they were going to go after our embassies. The embassies are the most prominent display of American presence in a country."

Read more ....

WNU Editor: The media focus is on Secretary of Defense Mark Esper's remarks that he was not aware of any planned attacks on four US embassies. No big deal there. He was not in the loop and/or this was just an intelligence assessment. What I found more interesting as this .... Esper: Gang of 8 'did not think' further intelligence on Iranian threat should be shared with Congress (The Hill). That must ne some incredible intel if the 'Gang of 8" do not want to share with the public.

More News On U.S. Defense Secretary Esper's Remarks That He Didn't See Specific Evidence Iran Planned To Attack 4 Embassies

Pentagon chief says no specific evidence Iran was plotting to attack four U.S. embassies -- Reuters
Esper says he's seen no hard evidence embassies under threat -- AP
Esper says he never saw evidence of threat against four US embassies -- Military Times
Esper contradicts Trump claim Iran planned attacks on four US embassies -- The Guardian
Esper Says He Didn't See Specific Evidence Iran Planned to Attack 4 Embassies -- The New York Times
Defense Secretary Esper said he 'didn't see' evidence of an Iranian plot to attack four embassies -- The Washington Post
Esper Says Bigger Iran Attacks Were 'Days Away,' Offers No Proof -- Bloomberg

A False Nuclear Emergency Alert In Canada Panics Millions

Posted: 12 Jan 2020 02:53 PM PST

An emergency alert sent to cellphones through the provincial emergency reporting system around 7:30 a.m. on Jan. 12, 2020, was a "human error" sent during a routine training exercise, Ontario's solicitor general said.



Daily Mail: False alarm! Nuclear warning alert issued in Ontario over 'incident' at power station that caused 'terror' across the province was 'sent in error'

* Social media users on Sunday were sent into panic mode after they were notified of an 'incident' at a nuclear power plant near Toronto
* Pickering, a town on the bank of Lake Ontario, is a suburb which lies 25 miles northeast of Toronto
* Pickering Nuclear Generating Station is home to eight nuclear reactors - two of which have been shut down
* Ontario province sent out alert to local residents saying that there was 'no abnormal release of radioactivity from the station'
* A state-owned electric company then sent out another message saying the earlier alert was a false alarm
* Pickering, one of the largest nuclear generating stations in the world, produces 14 per cent of electricity for Ontario's 14.57 million residents

Millions of Canadians in the country's most populated province were briefly panicked on Sunday morning after an alert reporting an unspecified 'incident' at one of its largest nuclear plants was sent in error.

The initial message said the incident had occurred at the Pickering Nuclear Generating Station, though it added there had been no abnormal release of radioactivity from the station.

Ontario Power Generation later sent a message saying the alert 'was sent in error. There is no danger to the public or environment.'

The reaction on social media to Sunday's false alarm was fierce, with Twitter users blaming the authorities for inducing panic.

Read more ....

WNU Editor: The GF lives in Kingston and she got the alert this morning. My phones are from the Montreal area code and I did not. We were not amused.

More News On A False Nuclear Emergency Alert In Canada That Panics In Millions

What Ontario can learn from Hawaii's false report of an imminent catastrophe -- CTV News
False alert about Pickering nuclear plant caused widespread alarm, but some residents 'not worried' -- CBC News
Province apologizes for Pickering nuclear plant false alarm, says cellphone alert was 'human error' during training -- Toronto Star
Canadian Province Retracts Warning of Nuclear Power Incident -- US News and World Report/AP
Canada province says sorry after training mistake sparks false nuclear alert -- Reuters
Canadians got an emergency alert about a nuclear power plant incident. It was sent in error, the plant says -- CNN
Pickering nuclear station 'incident' that triggered mass emergency alert in Canada was sent in error -- FOX News

Commentaries, Analysis, And Editorials -- January 12, 2020

Posted: 12 Jan 2020 07:00 AM PST

General Qasem Soleimani

Frederick Kempe, CNBC: 3 reasons slain General Soleimani is irreplaceable loss for Iranian regime

* One must travel to the Middle East to better sense the earthquake set off by the US drone strike that killed Iran's legendary General Qasem Soleimani a week ago.
* In this glittering Emirati capital, only some 200 miles from Iranian border, no one doubts that aftershocks are coming.
* The only question is of what nature and magnitude.

ABU DHABI – One must travel to the Middle East to better sense the earthquake set off by the US drone strike that killed Iran's legendary General Qasem Soleimani a week ago. In this glittering Emirati capital, only some 200 miles from Iranian border, no one doubts that aftershocks are coming.

The only question is of what nature and magnitude.

After all, this is a place that knows the power of Mideast leaders to build, in the case of their Crown Prince Mohammed bin Zayed al Nahyan and his father. Or to destroy, as Emiratis have witnessed across much of the rest of their neighborhood for all too long. Talk to top officials here, and they feel that those who don't know their region underestimate the enormity of the Soleimani killing.

Read more ....

Commentaries, Analysis, And Editorials -- January 12, 2020

Iran keeps concocting fake news on downed jet -- Stephen Bryen, Asia Times

AP Analysis: New questions rise as Iran says it downed plane -- Jon Gambrell, AP

Iran could see renewed unrest after admitting its military was responsible for downing plane, says expert -- CBC

Iran's handling of plane disaster sparks new challenge to rulers -- Parisa Hafezi and Tuqa Khalid, Reuters

How US-Iran tensions have undermined Iraq's peaceful uprising -- Zahra Ali, Middle East Eye

Iraqis fear emergence of new battlefront between US, Iranian forces -- Sam Bradpiece And Lucile Wassermann, France

Are U.S. military leaders prepared to withdraw from Iraq? -- PBS

Eight Reasons the U.S. and Iraq Need Each Other -- David Pollock, Washington Institute

Claim That Trump Lacks a Strategy Rings False -- Conrad Black, New York Sun

A new era for Oman nears under Sultan Haitham bin Tariq Al Said -- Leah Carter, DW

Oman's new Sultan faces diplomatic, economic challenges -- Timour Azhari, Al Jazeera

Oman power transfer 'hastened' by Soleimani killing -- Alison Tahmizian Meuse, Asia Times

Entangled US-China-Taiwan relations likely just got more complicated after President Tsai Ing-wen's big re-election victory -- Sarah Zheng, SCMP

Five Challenges for the European Union -- Joergen Oerstroem Moeller, National Interest

Democrats conflicted over how to limit Trump's war powers -- Alexander Bolton, The Hill

Prince Harry and Meghan Markle have their own wealth. But how will they earn money? -- ABC News Online

World News Briefs -- January 12, 2020

Posted: 12 Jan 2020 06:00 AM PST

China's Vice Premier Liu with US President Donald Trump in 2019 is expected at the White House again for the signing of a 'phase one' trade deal between the two economic powers

Daily Mail: US and China are set to sign historic trade deal THIS WEEK in major victory for Trump following a bitter two-year standoff between Washington and Beijing

* President Donald Trump is set to sign a trade deal with China on Wednesday
* The deal will be a partial success for Trump's administration
* Vice Premier Liu He will be in Washington from Mondayuntil Wednesday
* The full details of the deal will be made public on Wednesday
* White House said in deal Beijing will buy an additional $200billion in American products over a two-year period compared to 2017
* In return, the Trump administration has called off new tariffs on Chinese-made goods like electronics and cell phones
* He also cut in half the tariffs imposed on September 1 on $120billion in products

President Donald Trump is set to sign a trade deal with China on Wednesday that he will trumpet as a major victory, but it comes at a steep cost after a bitter two-year standoff between the world's two top economic powers.

Though the details of the new deal have not been revealed, the White House has stipulated that Beijing will buy an additional $200billion in American products over a two-year period compared to 2017, including $50billion in agricultural goods.

In return, the Trump administration has called off new tariffs on Chinese-made goods like electronics and cell phones that were due to take effect last month, and cut in half those imposed on September 1 on $120billion in products.

Read more ....

MIDDLE EAST

Iran faces protests, international blowback after shooting down airliner.

Iran braces for protests after admitting plane shootdown.

Iran plane crash: Missile struck underneath cockpit - Ukraine.

Top Iran Guard briefs parliament over downed jet after protest.

Trump tweets message of support to Iranian protesters in Farsi: 'Your courage is inspiring'.

Trump warns Iran against 'another massacre of peaceful protesters'.

Iraq PM tells Kurdish leaders he does not seek hostility with US.

At least 17 killed in Syrian army bombing of rebel-held Idlib - witnesses.

Tension brews in Syria's Aleppo between rebels, army.

Hundreds protest in Lebanon as crisis deepens.

US to expel a dozen Saudi trainees after base attack probe: media.

World leaders pay tribute to Oman's leader.

ASIA

Taiwan election: Tsai Ing-wen wins second presidential term.

Taiwan's leader meets with US official after election win.

China says will not change position on Taiwan after landslide election.

Chinese media blame 'dirty tactics' for Tsai's Taiwan poll win.

Australia fires: PM admits mistakes in handling of crisis.

U.S., China agree to semi-annual talks aimed at reforms, resolving disputes.

North Korea snubs Donald Trump's birthday message to Kim Jong Un.

'Go back Modi': India protesters condemn PM's visit to Kolkata.

Bangladesh arrests Sufi Muslim singer after protests.

AFRICA

Forces loyal to Libyan strongman Haftar announce ceasefire. Libyan forces loyal to Haftar announce conditional ceasefire.

Tripoli says Hifter's forces violate truce on its 1st day.

Libya's Sarraj says ceasefire conditional on Haftar 'withdrawal'.

US-trained special forces kill dozens of militants in southern Somalia.

Tunisian parliament rejects proposed government.

Guinea government warns it won't tolerate protest violence.

Gambian exiled ex-president demands return in leaked recording.

EUROPE

Truth about Iran plane crash could not be hidden: Zelenskyy.

French PM 'willing' to temporarily shelve plans to raise age for full pension benefits.

Robert Abela is Malta's next prime minister in landslide victory.

Angela Merkel and Vladmir Putin push ahead with pipeline.

Minsk accords remain sole basis for peace solution in Ukraine - Putin .

'Cautious optimism': Northern Ireland's government restored after 3-year deadlock. Northern Ireland breaks years of deadlock with new leaders.

Twelve people die after migrant boat sinks off Greek island of Paxos.

Harry and Meghan: Queen calls senior royals to crisis summit.

AMERICAS

Iran must take full responsibility for 'horrific' act, says Trudeau.

Trump accuses 'unhinged' Democrats of 'defending the life' of Iran's Soleimani.

'I'm spending all my money to get rid of Trump': Michael Bloomberg.

Poll: Sanders takes lead in Iowa less than a month before vote.

Puerto Rico: more power outages after magnitude 6.0 earthquake.

Venezuelan opposition leader says talks with Maduro unlikely.

Relatives of massacre victims torn over future in Mexico as most flee.

TERRORISM/THE LONG WAR

Photos taken by US Special Operations forces show aftermath of strike that killed Soleimani. REVEALED: Photos taken by US Special Operations show the body of General Qassem Soleimani and his wallet in drone strike wreckage after they tailed him to prove he was dead.

US Special Ops tried -- but failed -- to kill another top Iranian commander on night of Soleimani's death, official says.

ISIS still 'threat to the Kurdistan Region, Iraq, and the whole world:' Peshmerga official.

ECONOMY/FINANCE/BUSINESS

Next OPEC+ ministerial meeting to be held on March 6 in Vienna .

Facebook's stock hits record high, signaling recovery after extended historic slump.

Boeing says no severance package for ousted CEO.

Daily Military And Intelligence News Briefs -- January 12, 2020

Posted: 12 Jan 2020 05:00 AM PST


The Guardian: How strong is Iran's military?

Country has shaped an 'axis of resistance' with proxy forces and influence in Middle East

There has been a calibrated de-escalation of tensions between the US and Iran, after a drone strike killed General Qassem Suleimani, the second most powerful man in Iran and most influential military commander in the region. Missile strikes on US bases allowed Iran to claim it had responded in kind, without causing any American casualties that could have prompted a further US attack.

But there is little expectation that this will be the end of Iran's response to such a significant loss. The country has spent years honing its assets and expertise in asymmetric warfare, to strike against better armed, better funded opponents.

Read more ....

Daily Military And Intelligence News Briefs -- January 12, 2020

What are Iran's military capabilities? -- Yahoo News

Ex-CIA officer sees Iran doing 'hit-and-run' cyberattacks — 'They don't want us to retaliate' -- CNBC

US troops knew Al-Asad air base would be attacked and sheltered in bunkers, exclusive tour reveals -- CNN

CIA Director Haspel Backed Killing, Predicted Missile Attacks -- Newsmax

Why Donald Trump Can Use the CIA Against Iran Despite Nancy Pelosi's War Powers Vote in House -- Newsweek

Pompeo rebuffs Iraqi leader's demand for US troop withdrawal as critics warn of ISIS resurgence -- USA Today

Are U.S. military leaders prepared to withdraw from Iraq? -- PBS

Here's what might happen if the U.S. were to suddenly quit Iraq -- The Washington Post

This Is How the U.S. Navy Hunts Nuclear-Armed Chinese Submarines -- National Interest/Warrior Maven

Does the US Navy have its robot-warship concept all wrong? -- Defense News

DoD Wants Army, Navy To Join Space Force; May Ask Hill For Help -- Breaking Defense

More Officials Leave Pentagon; Special Ops Office Gets Some Needed Help -- Breaking Defense

Two U.S. Soldiers Killed In Afghanistan After Vehicle Hits Roadside Bomb -- RFE

Green Beret Unit Receives 27 Valor Medals After Afghanistan Deployment -- Military.com

U.S. Army plans to expand Asian security efforts to counter China -- Reuters

US Army aiming to counter Chinese 'threat' with Indo-Pacific security expansion, top official says -- SCMP

Is the U.S. Navy Going to Fight 'World War I' Against China? -- James Holmes, National Interest

UK Armed forces: 'I left because the job is boring and the pay is terrible' -- BBC

Canadian military wants spy 'role players' to help train special forces on surveillance, counter-surveillance -- National Post

Belgian security services call for stricter 5G protections as Huawei concerns cast shadow over European debate -- SCMP

Russia Orders Military to Watch for U.S. Missile Deployments -- Newsweek

Russia's arms exports total $14-15 bln per year, says Deputy PM Borisov -- TASS

How Will the Chinese Navy Use Its 2 Aircraft Carriers? -- The Diplomat

We Know 5 Things About China's New Aircraft Carrier -- National Interest

Philippines, Japan Discuss Strengthening Indo-Pacific Security -- Radio Free Asia

Indian Navy hits a major milestone with a home-grown experimental jet -- Defense News

WATCH India's indigenous fighter jet Tejas make 1st arrested landing on aircraft carrier INS Vikramaditya -- RT

Egypt army carries out nationwide military drills -- Middle East Monitor

The Merkava Tank Is Why No Army Wants To Mess With Israel -- National Interest

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

Posted: 13 Jan 2020 02:20 AM PST

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

Macron backlash: EU crisis as Kurz demands END to France's veto

Posted: 13 Jan 2020 01:09 AM PST



SEBASTIAN KURZ has vowed to "put an end to the French veto" on North Macedonia's European Union membership talks in fresh signs of tensions over the bloc's accession policy.

Iran regime on brink of COLLAPSE: Fury as IRGC attempt to 'hide' plane crash from Rouhani

Posted: 13 Jan 2020 01:04 AM PST



IRAN has shown signs of a break in the regime after the Iranian Revolutionary Guard Corps attempted to hide their involvement in the shooting down of Flight 752, Lord Lamont claimed.

VIDEO: Iran fury as protester TEARS down Soleimani flag amid 'death to dictator' cries

Posted: 13 Jan 2020 01:15 AM PST



WATCH the moment a brave Iranian protester topples a giant Qassem Soleimani flag.

Iran chaos: Protestors turn on Tehran chiefs after downed plane horror - ‘Enemy is here!'

Posted: 12 Jan 2020 11:43 PM PST



IRAN'S leaders were confronted with a second day of furious protests after admitting the military shot down a Ukrainian plane, killing 176 people on board.

World War 3: Putin warns full-scale war in Middle East would be ‘catastrophe for world’

Posted: 12 Jan 2020 10:10 PM PST



VLADMIR PUTIN has warned that a full-scale war in the Middle East would be a "catastrophe for the whole world" in the wake if rising US and Iran tensions and the potential of World War 3.

Philippines volcano eruption: Terror for motorists as thick ash brings 'zero visibility'

Posted: 12 Jan 2020 10:06 PM PST



THICK ash caused by the Taal volcano eruption, in the Philippines, has created dangerous driving conditions for motorists in Batangas on Monday.

Trump BLUNDER: White House posts embarrassing Twitter update about bizarre weather in DC

Posted: 12 Jan 2020 08:34 PM PST



DONALD TRUMP has been caught red-faced after the White House posted an embarrassing update on Twitter which alleged that the first snow in Washington was today when it was not.

Shark horror: Young footballer found ripped apart by three Great whites in grisly scene

Posted: 12 Jan 2020 07:15 PM PST



THREE GREAT white sharks have ripped apart and eaten a promising young footballer who has been discovered by emergency crews in western Australia.

Inca breakthrough: Stunned experts unwrap mummy body preserved for 600 years in shock move

Posted: 12 Jan 2020 07:18 PM PST



THE mummified remains of an ancient "elite Inca" man have been unwrapped by scientists in Peru, dating back 600 years.

financial dictionary pdf - financial terminology dictionary - financial dictionary app

Posted: 12 Jan 2020 10:38 PM PST

financial dictionary pdf - financial terminology dictionary - financial dictionary app

Agency MBS Purchase Definition

Posted:

Agency MBS Purchase typically refers to the U.S. Federal Reserve's $1.25 trillion program to purchase agency MBS during the 2008 Financial Crisis.

Top Communications Stocks for January 2020

Posted:

These are the communications stocks with the best value, fastest growth, and most momentum for January.

Is it a good idea to take out a loan to invest?

Posted:

It is inadvisable for an investor to invest using a loan through a risky investment avenue like the stock or derivatives market. Find out why it isn't a good idea to take out a loan to invest.

Invest through Equity Crowdfunding: Risks and Rewards

Posted:

Investing through equity crowdfunding carries risks such as risk of failure, fraud, and doubtful returns. But it also offers a number of rewards.

Inflation's Impact on Stock Returns

Posted:

Most studies conclude that expected inflation can either positively or negatively impact stocks, depending on a few factors.

How To Appeal Your IRS Audit

Posted:

The auditor's review isn't always the last word. Many taxpayers who are audited can successfully appeal their audits and save thousands of dollars.

Top Biotech Stocks for Q1 2020

Posted:

These are the biotechnology stocks with the best value, fastest growth, and most momentum for Q1 2020.

Top Utilities Stocks for January 2020

Posted:

These are the utilities stocks with the best value, fastest growth, and most momentum for January.

Home Depot Stock Could Trap Dip Buyers

Posted:

Home Depot shares are ticking higher after a fourth quarter decline, but aggressive sellers could return in coming weeks.

Key Levels for Netflix Stock in the First Half of 2020

Posted:

The streaming giant has beaten earnings estimates for seven consecutive quarters, and its next report is scheduled for Jan. 21.

U.S. Steel Stock Could Test 2016's All-Time Low

Posted:

U.S. Steel stock is finally capitulating to low benchmark prices, China subsidies, and the long-term manufacturing exodus.

Broker-Dealers and Financial Advisors: Costs and Payouts

Posted:

For financial advisors looking for a broker-dealer, it's wise to understand which ones offer the highest payouts and best services compared to costs.

4 ETFs to Short the Market

Posted:

Explore four exchange-traded funds (ETFs) that allow you to short a market segment or sector, which can help investors earn a profit during market corrections.

How Can I Invest in Gold?

Posted:

Investors looking to buy gold have three choices: the physical asset, a mutual fund/ETF that replicates its spot price, or futures and options.

What Price-To-Earnings Ratio Is Average in the Real Estate Sector?

Posted:

The price-to-earnings ratio is a commonly cited valuation metric that can help investors decide what stock price is appropriate given the earnings per share (EPS) generated by a company.

Indexed Universal Life Insurance: Pros and Cons

Posted:

Indexed universal life insurance offers tax benefits and potentially higher returns, but has a number of risks that need to be considered.

Top 4 Shareholders of Berkshire Hathaway

Posted:

Learn more about the largest institutional shareholders invested in Berkshire Hathaway's class A shares, which trade at over $300,000 per share.

An Introduction to Structured Products

Posted:

This article provides an introduction to structured products, with a particular focus on their applicability in diversified retail portfolios.

5 Types of REITs and How to Invest in Them

Posted:

Real estate investment trusts are a sound addition to a diversified portfolio. Learn what you need to know to invest.

The REIT Way

Posted:

Ever considered investing in real estate? A real estate investment trust – or REIT – buys, develops, manages and sells assets in real estate.

Key Reasons to Invest in Real Estate

Posted:

Investor sentiment has soured on the real estate sector has since the 2008 economic crisis, but it may be time to reconsider investing in real estate.

How Uber Uses Your Ride Data

Posted:

Customers are not just a source of revenue for a company's core business. Companies like Uber use information about them to generate additional revenue.

Energy-Efficient Buildings: Investing Pros, Cons

Posted:

Whether your interest in energy-efficient buildings is moral, financial, or both, take a look at the pros and cons from a financial perspective.

Using Bollinger Bands to Gauge Trends

Posted:

Learn three Bollinger Bands® strategies that can be used for analysis or generating trade signals.

Monster Beverage Stock Retests Highs After Bullish Call

Posted:

Monster Beverage shares moved sharply higher on Friday after Credit Suisse called the stock a Top Pick with an Outperform rating.

Bearish Engulfing Candles Appear on All Indexes

Posted:

As investors seem to be having second thoughts, we look inside the industrial sector and report on retreating small-cap stocks.

Traunch Defined

Posted:

A traunch is one of a series of payments to be paid out over a specified period of time, subject to certain performance metrics being achieved.

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Patent Troll Definition

Posted:

A patent troll is a derogatory term used to describe the use of patent infringement claims to win court judgments for profit or to stifle competition.

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Reserve-Replacement Ratio Definition

Posted:

Reserve-replacement ratio is the amount of oil added to a company's reserves divided by the amount extracted for production.

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Per Diem Payments Definition

Posted:

Per diem payments are a daily allowance employers give to their employees to cover some or all costs incurred during a business trip.

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2 Funds that Invest in Bitcoin (GBTC, ARKW)

Posted:

Find out how investors can participate more easily and more efficiently in the bitcoin phenomenon by investing in exchange-traded funds (ETFs).

Variable Annuity Definition

Posted:

A variable annuity is a type of annuity that can rise or fall in value based on the performance of its underlying investment portfolio.

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Statement of Financial Accounting Concepts (SFAC)

Posted:

The Statement of Financial Accounting Concepts is issued by the Financial Accounting Standards Board (FASB) and covers financial reporting concepts.

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Double Leverage Definition

Posted:

Double leverage is situation wherein a bank holding company lends money to one or more of its subsidiary banks, which in turn issues equity back to the parent.

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What Is Life Expectancy?

Posted:

Life expectancy is defined as the age to which a person is expected to live, or the remaining number of years a person is expected to live.

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Series 26

Posted:

The Series 26 is a FINRA-sponsored licensing exam that must be passed in order to become a supervisor or manager of agents selling mutual funds or variable insurance products.

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Microfinance vs. Macrofinance: What's The Difference?

Posted:

Microfinance is an individual-focused way to provide money to those who lack access to mainstream resources. Macrofinance is for economic development at the regional or national level.

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Asset-Based Lending Definition

Posted:

Asset-based lending is the business of loaning money with an agreement that is secured by collateral that can be seized if the loan is unpaid.

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Electronic Bill Payment & Presentment (EBPP)

Posted:

Electronic Bill Payment & Presentment (EBPP) is a process, which companies use to collect payments via the Internet or other electronic methods.

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Which Cars and Trucks Do Wealthy Americans Drive?

Posted:

The top vehicles owned by the wealthy today are less about prestige and more about towing capacity.

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First Mortgage Definition

Posted:

A first mortgage is the primary lien on the property that secures the mortgage and has priority over all claims on a property in the event of default.

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Indexed Annuity Definition

Posted:

An indexed annuity is a type of annuity contract that pays an interest rate based on a specific market index, such as the S&P 500.

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Form 1040: U.S. Individual Tax Return Definition

Posted:

Form 1040 is the standard U.S. Individual Tax Return form that taxpayers use to file their annual income tax returns with the IRS.

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Discretionary Beneficiary

Posted:

Discretionary beneficiaries are individuals or entities that a grantor names in a trust, life insurance policy, or retirement plan that have no legal proprietary interest.

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Window Guaranteed Investment Contract

Posted:

A window guaranteed investment contract is a type of investment plan that guarantees specified a rate of return on a series of principal payments.

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Tax Year Definition

Posted:

Tax year refers to the 12-month period covered by a taxpayer's annual tax return.

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What is the average price-to-earnings ratio in the banking sector?

Posted:

Explore the price-to-earnings (P/E) ratio in the banking industry and learn what the average P/E ratio is for most banking firms.

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What Is a Good Profit Margin for Retailers?

Posted:

Find out the typical profit margin for a major retail company, and learn how it compares to the profit margins for other industries.

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How ROA and ROE Give a Clear Picture of Corporate Health

Posted:

Both return on equity (ROE) and return on assets (ROA) measure performance, but sometimes they tell a very different story. This is why they're best used together.

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Who Are Willis Towers Watson's Main Competitors? (WLTW)

Posted:

Following a 2015 merger, Willis Towers Watson PLC is now one of the largest insurance advisory and brokerage firms. These are its competitors in the industry.

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Euro STOXX 50 Index Definition

Posted:

The Euro STOXX 50 Index is a market capitalization weighted stock index of 50 large, blue-chip European companies operating within Eurozone nations.

How the News Affects Stock Prices

Posted:

Stock prices move up and down due to fluctuations in supply and demand, and a breaking news report can have a drastic effect on stock prices.

Fisher's Separation Theorem Definition

Posted:

Fisher's separation theory states that the primary goal of any company is to increase its value to the fullest extent possible.

Top Small Cap Stocks for January 2020

Posted:

These are the small cap stocks with the best value, fastest growth, and most momentum for January.

What Is a Registered Retirement Savings Plan (RRSP) Deduction?

Posted:

A Registered Retirement Savings Plan Deduction is the maximum tax-deductible amount that a Canadian taxpayer is allowed to invest in an eligible plan.

Can a Simplified Employee Pension (SEP) Be Converted to a Roth IRA?

Posted:

Yes. The SEP IRA is a type of traditional IRA that receives employer SEP contributions, and it operates by the same rules.

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Tax-Smart Ways to Help Your Kids/Grandkids Pay for College

Posted:

Learn about plans and accounts that allow you to efficiently save for your child's or grandchild's education while shielding the savings from the IRS as much as possible.

Bank of America Earnings: What to Look For From BAC

Posted:

Bank of America (BAC) reports Q4 earnings before market open on January 15. Can it boost its net interest margin despite lower interest rates?

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Earned Income Definition

Posted:

Earned income includes wages, salaries, bonuses, commissions, tips, and net earnings from self-employment.

6 Ways to Fund a College Education

Posted:

You can go to college without going broke, but it may take an unconventional approach.

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The Top 5 Impact Investing Firms

Posted:

Learn what impact investing is and get information on some of the top impact investing firms ranked by total assets under management.

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Active Income Definition

Posted:

Active income refers to income received from performing a service. Wages, tips, salaries, and commissions are all examples of active income.

The Economics of a CrossFit Gym

Posted:

Learn the economics of opening a CrossFit gym, including the business model, relationship with corporate, expenses and projected revenues.

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Life Insurance Replacement: Rules, Laws & Regulations

Posted:

When replacing a life insurance policy, a lot can go wrong for the consumer. Find out how life insurance replacements are regulated by the states.

Evaluate Stock Price With Reverse-Engineering DCF

Posted:

This is a more accurate method to use when trying to find a target price for a stock.

EBITDA/EV Multiple Definition

Posted:

The EBITDA/EV multiple is a financial ratio that measures a company's return on investment.

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Zero-Cost Strategy Definition

Posted:

Zero cost strategy refers to a trading or business decision that does not entail any expense upon execution.

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The Difference Between Bitcoin vs. Bitcoin Cash

Posted:

We break down the difference between bitcoin and bitcoin cash, and what this difference might mean for the current status of the cryptocurrency and its future.

What Is a Summary Plan Description?

Posted:

A Summary Plan Description is a document that employers must give to employees in retirement plans or health benefit plans covered by ERISA.

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How Can I Put My IRA In a Trust?

Posted:

There are advantages and disadvantages of naming the trust as a beneficiary. They affect options for an individual's heirs.

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5 Countries With Easy Citizenship for Retirement

Posted:

Discover five of the countries that make it easiest for you to obtain citizenship and a second passport through residency, investment or other means.

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How Are Simplified Employee Pension (SEP) IRAs taxed?

Posted:

Understand the tax advantages of a Simplified Employee Pension IRA plan, and find out how both the employer and the employee can benefit.

Top Real Estate Stocks for January 2020

Posted:

These are the real estate stocks with the best value, fastest growth, and most momentum for January.

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The 10 Most Important Cryptocurrencies Other Than Bitcoin

Posted:

Altcoins sometimes present themselves as modified or improved versions of bitcoin. Given the volatility of bitcoin prices, you may wish to keep an eye on these 10 alternatives.

Gross Profits Insurance Definition

Posted:

Gross profits insurance is a type of business interruption insurance that provides funds in the amount of profit lost if an insurable event occurs.

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Carryover Basis

Posted:

Carryover basis is a method for determining the tax basis of an asset when it is transferred from one individual to another.

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Top Industrial Stocks for January 2020

Posted:

These are the industrial stocks with the best value, fastest growth, and most momentum for January.

What to Expect from JPMorgan Earnings

Posted:

JPMorgan is facing some external headwinds going into fourth-quarter results and for the full-year 2019.

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Hydrocarbon Definition

Posted:

A hydrocarbon is an organic chemical compound composed exclusively of hydrogen and carbon atoms.

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10 American Funds Mutual Funds with Long Track Records

Posted:

Learn about the performance of the mutual funds offered by Capital Group's American Funds that have the longest established track records.

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Understanding Indexed Universal Life Insurance vs. IRAs & 401(k)s

Posted:

Indexed universal life insurance is on the rise; however, critics argue that wisely allocated IRA and 401(k) funds normally offer better returns.

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How to Choose an Insurance Company

Posted:

Knowing how to choose an insurance company is not an easy task. There are several factors you should consider to make the right choice for your needs.

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Intestacy

Posted:

Intestacy refers to the condition of an estate of a person who dies without a will, and owns property that is worth more than their outstanding debts.

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6 Famous Female Financial Advisors

Posted:

You've seen the financial gurus on TV but have you seen these top six financial advisors? They have a lot to offer and a wealth of experience in the field.

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Gross Leverage Ratio

Posted:

Gross leverage ratio is the sum of an insurance company's net premiums written ratio, net liability ratio, and ceded reinsurance ratio.

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5 Biggest Microfinance Companies

Posted:

Here are the five largest and most influential microfinance institutions (MFIs).

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Balanced Funds: Vanguard (VGSTX) vs. Fidelity (FBALX)

Posted:

Learn about two popular balanced mutual funds that offer low expense ratios, quality management teams and limited turnover of assets

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3 Tax-Exempt Money Market Funds Worth Considering (VMSXX,PTEXX,FMOXX)

Posted:

Explore analyses of three tax-exempt money market funds that may be suitable for high net worth investors, and learn about the characteristics of these funds.

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Gross Income Definition

Posted:

Gross income represents the total income from all sources, including returns, discounts, and allowances, before deducting any expenses or taxes.

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Granular Portfolio Definition

Posted:

A granular portfolio is an investment portfolio that is well diversified across a wide variety of assets, typically with a significant number of holdings.

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At $1.3 Trillion, Apple Is Bigger Than These Things

Posted:

Apple's market cap is larger than the GDP of most countries, the U.S. budget deficit, and the inflation-adjusted costs of all but one U.S. war.

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Energy Derivatives Definition

Posted:

Energy derivatives are financial instruments in which the underlying asset is based on energy products including oil, natural gas, and electricity.

Married Filing Jointly Definition

Posted:

Married filing jointly is a filing status for married couples that have wed before the end of the tax year.

Cheapest to Deliver (CTD) Definition

Posted:

Cheapest to deliver (CTD) in a futures contract is the cheapest security that can be delivered to the long position to satisfy the contract specifications.

Internet of Energy (IoE) Definition

Posted:

The Internet of Energy refers to the automation of electricity infrastructures for energy producers, often allowing energy to flow more efficiently.

Don’t Have Health Insurance? What’s the Worst That Could Happen?

Posted:

Healthcare is expensive, but those without healthcare coverage put themselves at risk.

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Discounted Payoff (DPO) Definition

Posted:

A discounted payoff (DPO) is the repayment of an obligation for less than the principal balance outstanding.

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The Notional Value Calculation for a Futures Contract

Posted:

Learn how the notional value of a futures contract is calculated and why you need to know how to do so.

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Solvency Capital Requirement (SCR)

Posted:

A solvency capital requirement (SCR) is the amount of funds that insurance and reinsurance companies in the European Union are required to hold .

How Iran Impacts The Price and Supply of Oil

Posted:

If Congress approves the deal, Iranian oil will be widely available for the first time in years. When Iranian oil begins to flood the market, it will influence the world oil supply and oil prices—eventually.

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Reversionary Annuities Definition

Posted:

Reversionary annuities are a retirement income strategy that combines an insurance policy with an immediate annuity to provide for a surviving spouse.

Biofuel

Posted:

Biofuel is a type of energy source derived from renewable plant and animal materials.

Top 4 Long-Term Infrastructure Stocks of 2019

Posted:

The top four long-term infrastructure stocks of 2019 that outperformed the industry's benchmarks.

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Latest Govt Jobs, Sarkari Naukri, Results

Posted: 12 Jan 2020 10:06 PM PST

Latest Govt Jobs, Sarkari Naukri, Results

NABARD Recruitment 2020 !! 10th Pass can Apply Online for 154 AM Grade ‘A’ Vacancies @ www.nabard.org

Posted: 12 Jan 2020 09:53 PM PST

Post Details Last Date & Status Overview
Assistant Manager Grade A
[154 Vacancies]		 31st January 2020
(LIVE)		 NABARD Assistant Manager Jobs 2020
Office Attendant Group C
[73 Vacancies]		 12th January 2020
(CLOSED)		 NABARD Recruitment 2020

NABARD Assistant Manager Jobs 2020 Notification released @ www.nabard.org || 154 Assistant Manager Grade ‘A’ Vacancies in NABARD Careers: National Bank for Agriculture & Rural Development (NABARD) being one of the premier Banking Institutes of India. Applications are invited from Indian citizens for the post of Assistant Manager in Grade ‘A’ in the Subordinate Service in National Bank for Agriculture and Rural Development (NABARD). Applicants who are waiting for the Central Govt Jobs in Across India can apply for this post through Online. The link will be LIVE from 15th January 2020 to 31st January 2020. NABARD Recruitment 2020 !! 10th Pass can Apply Online for 154 AM Grade A Vacancies @ www.nabard.org

Note: The detailed advertisement for the recruitment of Asst. Manager (RDBS/ Rajbhasha/ Law/ P & SS) in Grade ‘A’ -2020 and link for online application registration will be available on the NABARD website from 15th January 2020 onwards.

NABARD Recruitment 2020

Candidates can apply only ON-LINE on the NABARD website www.nabard.org between 15th January 2020 and 31st January 2020 NABARD is an all India Apex Organization, wholly owned by the Government of India and is equal opportunity employer. Before applying, candidates should read all the instructions carefully and ensure that they fulfill all the eligibility criteria for the post. Here we have provided the complete details of NABARD Bank Assistant Manager Vacancies.

Also Check: ICFRE Recruitment – 41 Vacancies

Overview of NABARD Bank Careers 2020 | Apply Online link LIVE on 15th Jan 2020NABARD Recruitment 2020 !! 10th Pass can Apply Online for 154 AM Grade A Vacancies @ www.nabard.org

Name of the Board National Bank for Agriculture and Rural Development (NABARD)
Name of the Post Assistant Manager Grade A
Number of Vacancies 154 Posts
Job Category Central Government Jobs
Starting Date to Apply 15th January 2020
Last Date to Apply 31st January 2020
Apply Mode Online
Job Location Across India
Official Website www.nabard.org (OR) www.nabcons.com

NABARD Vacancy 2020 Details

Post Name Number of Vacancies
Assistant Manager in Grade A (Rural Development Banking Service) 139
Assistant Manager in Grade A (Rajbhasha Service) 08
Assistant Manager in Grade A (Legal Service) 03
Assistant Manager in Grade A (Protocol & Security Service) 04
Total 154

Eligibility Criteria for NABARD Assistant Manager Recruitment 2020

Candidates who are interested in applying for NABARD Bank Assistant Manager Jobs must fulfill all the below-listed eligibility conditions without fail. Check Educational Qualification, age limit, selection process, examination pattern, Salary for NABARD Jobs for Graduates 2020.

Educational Qualification:

  • Assistant Manager Grade ‘A’ – A candidate should check the NABARD Assistant Manager Jobs 2020 Notification for more information.

Age Limit – NABARD Bank Vacancy 2020:

  • According to the National Bank for Agriculture and Rural Development Norms.

Also Check: BECIL Recruitment – 4100 Vacancies

Selection Process for NABARD Bank Recruitment 2020:

  • Online Tests
  • Interview

NABARD Assistant Manager Salary:

  • The selected candidates will get the Salary as per the organization norms.

Application Fee for NABARD Jobs 2020

  • Check NABARD Assistant Manager Jobs 2020 Notification for the information about the Application Fee.

How to apply for NABARD Assistant Manager Jobs 2020?

  1. Firstly, visit NABARD Official website i.e. www.nabard.org
  2. Check for the NABARD Recruitment Notification pdf below.
  3. Ensure that you meet all the above-listed eligibility points.
  4. Click on Apply Online Link provided below.
  5. Candidates should register themself on the application
  6. Fill in an application form with all necessary details
  7. Attach scanned copies of necessary documents
  8. Pay prescribed application fee
  9. Finally, hit on the submit button to complete your application process.

Important Dates for NABARD Recruitment 2020

Notification Release Date 01st January 2020
Starting Date to Apply Online 15th January 2020
Last Date to Apply Online 31st January 2020

Important Links for NABARD Jobs 2020




Official Notification Pdf Download Here
Apply Online Link Click Here (LIVE from 15th January 2020)
Official Website Click Here

NABARD Recruitment 2020 Notification @ www.nabard.org || 73 Office Attendant Group ‘C’ Vacancies in NABARD Careers: National Bank for Agriculture & Rural Development (NABARD) being one of the premier Banking Institutes of India. Applications are invited from Indian citizens for the post of Office Attendant in Group ‘C’ in the Subordinate Service in National Bank for Agriculture and Rural Development (NABARD). Applicants who are waiting for the Central Govt Jobs in Across India can apply for this post through Online. The link will be LIVE from 25th December 2019 to 12th January 2020. 

NABARD Recruitment 2020

Candidates can apply only ON-LINE on the NABARD website www.nabard.org between 25th December 2019 and 12th January 2020 NABARD is an all India Apex Organization, wholly owned by the Government of India and is equal opportunity employer. Before applying, candidates should read all the instructions carefully and ensure that they fulfil all the eligibility criteria for the post. Here we have provided the complete details of NABARD Bank Office Attendant Vacancies.

Also Check: IOCL Recruitment – 349 Vacancies

Overview of NABARD Careers 2020

Name of the Board National Bank for Agriculture and Rural Development (NABARD)
Name of the Post Office Attendant Group C
Number of Vacancies 73 Posts
Job Category Central Government Jobs
Starting Date to Apply 25th December 2019
Last Date to Apply 12th January 2020
Apply Mode Online
Job Location Across India
Official Website www.nabard.org (OR) www.nabcons.com

NABARD Vacancy 2020 Details

Post Name Number of Vacancies
Office Attendant Group ‘C 73
Total 73

Vacancies & Reservation for the post of Office Attendant (OA)

State/Office UR SC ST OBC EWS PWBD EXS
EXS DISEXS
Andhra Pradesh 01 06 14 03
Arunachal Pradesh 01
Chhattisgarh 03
Goa 01
Gujarat 03
Haryana 04 01
Himachal Pradesh 01
Jammu & Kashmir 01
Karnataka 03
Karnataka
(BIRD Mangaluru)		 02
Kerala 02 01
Maharashtra
(HO-Mumbai)		 07 08 06 02
Meghalaya 01
Mizoram 01
Nagaland 02
New Delhi 03
Odisha 01 01
Rajasthan 02 01 01
Telangana 01 01
Uttar Pradesh 06 02
Uttrakhand 02
Tripura 01
Total 48 01 09 13 02
73

Eligibility Criteria for NABARD Office Attendant Recruitment 2020

Candidates who are interested in applying for NABARD Bank Office Attendant Vacancies must fulfill all the below-listed eligibility conditions without fail. Check Educational Qualification, age limit, selection process, examination pattern, Salary for NABARD Jobs for Graduates 2020.

Educational Qualification:

  • Office Attendant Group ‘C ‘– A candidate should have passed 10th Standard (S.S.C./Matriculation) from the concerned State/UT coming under the State/Regional Office to which he/she is applying.

Age Limit – NABARD Bank Vacancy 2020:

As on 1st December 2019, Age Limit for NABARD Recruitment 2019 for Office Attendant is as follows,

  • Minimum Age – 18 Years
  • Maximum Age – 30 Years

Age Relaxation

  • SC/ ST – 5 Years
  • OBC – 3 Years
  • PWBD – 10 Years
  • Ex‐Servicemen – 3 Years
  • Widows/divorced women/ women judicially separated who are not re‐married – 10 Years
  • Candidates who had ordinarily been domiciled in the State of Jammu and Kashmir between 1st January 1980 and 31st December 1989 – 5 Years

Also Check: NPCIL Recruitment – 137 Vacancies

Selection Process for NABARD Bank Recruitment 2020:

  • Online Tests
  • Language Proficiency Test (LPT)

NABARD Office Attendant Salary:

  • Basic pay of Rs.10940/- p.m. in the scale of Rs.10940-380(4)-12460-440(3)-13780-520(3)-15340- 690(2)-16720-860(4)-20160-1180(3)-23700 applicable to Office Attendants in Group ‘C’ and they will be eligible for Dearness Allowance, Local Compensatory Allowance, House Rent Allowance, and Grade Allowance as per rules in force from time to time. At present, initial monthly gross emoluments are approximately Rs. 24000/-

Application Fee for NABARD Jobs 2020

  • SC/ST/PWBD/EXS – Rs.50/-
  • Others – Rs. 450/-

How to apply for NABARD Recruitment Notification 2020?

  1. Firstly, visit NABARD Official website i.e. www.nabard.org
  2. Check for the NABARD Recruitment Notification pdf below.
  3. Ensure that you meet all the above-listed eligibility points.
  4. Click on Apply Online Link provided below.
  5. Candidates should register themself on the application
  6. Fill in an application form with all necessary details
  7. Attach scanned copies of necessary documents
  8. Pay prescribed application fee
  9. Finally, hit on the submit button to complete your application process.

Important Dates for NABARD Recruitment 2020

Notification Release Date 25th December 2019
Starting Date to Apply Online 25th December 2019
Last Date to Apply Online 12th January 2020

Important Links for NABARD Jobs 2020

Official Notification Pdf Download Here
Apply Online Link Click Here (LIVE NOW)
Official Website Click Here

Other Central Government Jobs 2020:

Apply Online Job Details Last Date
Lok Sabha Secretariat Recruitment 21 – Parliamentary Reporter [28-01-2020]
Kerela High Court Recruitment 24 – Office Attendant [22-01-2020]
PGIMER Recruitment 77 – Assistant Professor [16-01-2020]
CDAC Recruitment 116 – Manager, Finance Officer & Other [12-01-2020]
Prasar Bharati Recruitment 30 – Assistant Section Officer [11-01-2020]
BECIL Recruitment 50 – Data Entry Operator [07-01-2020]
AIIMS Bhopal Recruitment 50 -EE, Security Officer, SO & others [04-01-2020]

Frequently Asked Questions About NABARD Recruitment 2020:

1. What is the mode of application form NABARD Recruitment 2019-20?
A. Applications for NABARD Recruitment will be accepted only in the Online mode. Candidates can apply for Office Attendant, Assistant Manager posts by following the steps given above

2. Where will the candidates be placed after selection?
A. The selected candidates can be placed anywhere in any state of India which has an office of National Bank for Agriculture and Rural Development.

3. What are the important dates I must know for NABARD Jobs 2020?
A. Candidates must make note of the following date

  • Starting Date of Application – 25th December 2019
  • Last Date To Apply Online – 31st January 2020

4. What are the eligibility criteria for NABARD Bank Office Attendant Jobs?
A. Candidate should have passed 10th Standard (S.S.C./Matriculation) from the concerned State/UT coming under the State/Regional Office to which he/she is applying to be eligible for NABARD Jobs. The candidate must be below 30 years of age.

5. What is the selection process for NABARD Bank Careers?
A. Candidates will be selected based on Online Tests and Language Proficiency Test (LPT).

6. How much will I be paid for NABARD Jobs 2020?
A. Candidates will be paid Basic pay of Rs.24000/- p.m.

7. What is the application fee that I will have to pay for NABARD Office Attendant Recruitment?
A. SC/ST/PWBD/EXS candidates will have to pay – Rs. 50/-  as application fee and other candidates have to pay Rs. 450/-.

History of National Bank for Agriculture and Rural Development (NABARD):

NABARD was created following the recommendations of the B.Sivaraman Committee (by Law 61 of the Parliament of 1981) of 12 July 1982 to implement the law of the National Bank for Agriculture and Rural Development of 1981. NABARD Bank replaces the Rural Planning and Agricultural Credit Department (ACD). and the Credit Cell of the Reserve Bank of India and the Agricultural Refinancing and Development Corporation (ARDC). It is one of the major agencies that provide credit for the development of rural areas. NABARD is the specialized bank for agriculture and rural development in India.

The initial NABARD corpus was 100 crore. Following the review of the composition of the capital stock between the Indian Government and the RBI, the capital disbursed as of 31st May 2017, amounted to Rs. 6,700 crore, while the Indian government had 6,700 crores (100%). participation). The authorized share capital is 30,000 crore. NABARD's international partners include organizations affiliated with the World Bank and global development agencies active in agriculture and rural development. These organizations help NABARD by advising and providing monetary support for the improvement of the population in rural areas and by optimizing the agricultural process.

RPSC SI Syllabus 2020 Pdf | Rajasthan PSC Sub Inspector Exam Pattern – rpsc.rajasthan.gov.in

Posted: 12 Jan 2020 09:51 PM PST

RPSC SI Syllabus 2020 is available here for the candidates who are going to attend the Rajasthan PSC Sub Inspector Exam. For that, we also attached the Rajasthan PSC SI Exam Pattern on our page. We have provided all relevant information regarding the Rajasthan Public Service Commission Exam such as RPSC SI Syllabus 2020 Pdf here. Aspirants are advised to refer to the official website of rpsc.rajasthan.gov.in for more details.

RPSC SI Syllabus 2020 Pdf

Many Aspirants who have applied for the RPSC SI Exam, they are searching for RPSC SI Syllabus 2020 Pdf & Exam Pattern. Here on our website, we have given the information related to Rajasthan PSC SI Syllabus. It’s good news for all the applicants those who are going to attend the Rajasthan Sub Inspector Exam. RPSC Syllabus 2020 Pdf and Exam pattern which is helpful for all the candidates who want to get a good score. By knowing the RPSC SI Syllabus and Exam Pattern, you can start the test preparation Easily.

Rajasthan Public Service Commission has newly published the latest RPSC SI job notification on its official website. The main aim of this recruitment is to hire a skilled as well as active people in various Sub Inspector, Platoon Commander posts. So interested Job Seekers those who have been seeking for the Latest Jobs in Rajasthan may apply to this notification before the last date. Click on the below link for more details like Application fee, selection process, Exam Date, Exam Center, etc.

RPSC Syllabus 2020 Pdf – RPSC Exam Details
Description Details
Name of the Organization Rajasthan Public Service Commission
Post Name Sub Inspector, Platoon Commander
Vacancies 68
Online Application Date 07th January – 06th February 2020
Exam Date Updated Soon
Category Syllabus
RPSC SI Exam Date 2020 Update Soon
Official Website rpsc.rajasthan.gov.in

RPSC SI Selection Procedure

Candidates will be shortlisted for SI Posts based on their performance in the following tests conducted by the RPSC.

  • Written Examination.
  • Physical Test.
  • Interview

Rajasthan PSC Exam Pattern for SI
Paper Subjects Marks Duration
I General Hindi 200 2 hours
II General Knowledge & General Science 200 2 hours
Total 400 4 hours
  • RPSC SI Exam has conducted for 400 marks.
  • It contains Two Papers, i.e., General Hindi & General Knowledge.
  • Duration of the Each Paper 2 hrs.
  • The medium of the Exam is in English or Hindi.

RPSC SI Physical Measurement Test (PMT) Pattern 2020

Particulars Male Female
Height 168 cms 152. cms
Chest 81-86 cms (minimum 05 cms expansion compulsory) N/A

Interview

  • Candidates will be selected for interview after passing Physical Test Successfully
  • Max Marks for interview will be 50

Download RPSC SI Syllabus 2020 Pdf

Check the Topic wise RPSC SI Syllabus details in the following sections. The below listed RPSC Sub-Inspector Syllabus is only for reference Purpose. The Original Topics may vary in the examinations. Furthermore, the Latest RPSC SI Syllabus for Both Paper I and Paper II in Hindi is Updated. Hence, Click on the links RPSC SI Syllabus for Paper-I and Paper-II Pdf. All the Best for your RPSC Sub-Inspector Written Examination. Also, check the Physical Examination details from the link below.

RPSC Syllabus for General Knowledge

  • Indian Constitution.
  • Science – Inventions & Discoveries.
  • History.
  • Budget and Five Year Plans.
  • Geography of India & Gujarat.
  • Important Financial & Economic News.
  • Economy.
  • Scientific Research.
  • Culture.
  • India and its neighboring countries.
  • Sports.
  • Knowledge of Current Events.
  • General Politics.
  • Countries & Capitals.
  • Economy, Banking, and Finance.
  • Special Reference to Gujarat State.

RPSC Syllabus for General Hindi

  • Translation of Sentences.
  • Error Detection.
  • Synonyms.
  • Phrases.
  • Vocabulary.
  • Antonyms.
  • Comprehension.
  • Fill in the Blanks.
  • Grammar.
  • Plural Forms etc.

RPSC SI Syllabus for General Science

  • Physics.
  • Chemistry.
  • Biology.
  • Geography.
  • Computer Knowledge.

RPSC Sub Inspector Syllabus PDF Free Download

Candidates can download the Syllabus Pdf from the below links for both Paper I and Paper-II.

Syllabus Paper Link
RPSC Paper-I Hindi Syllabus PDF Click Here
RPSC Paper-II General Knowledge Syllabus PDF Click Here
Physical Test Scheme PDF Click Here

Also, download the previous year question papers for RPSC SI Posts. Getting the old question papers will help you to get an idea of the examination, so download from the below section.

  • Rajasthan PSC Sub Inspector Previous Year Papers Pdf –  Click Here
  • Official Website of RPSC – Click Here

Air India Syllabus 2020 Pdf – Download AIESL Assistant Supervisor Exam Pattern

Posted: 12 Jan 2020 09:43 PM PST

Air India Syllabus 2020 PDF

Air India Syllabus 2020: Dear Candidates !!! Board Authority of Air India Engineering Services Limited is planning to conduct the Examination for recruiting Assistant Supervisor Posts under Air India Recruitment 2020. This is a great opportunity for job seekers to get their desired careers in the AIESL. For the candidate's exam preparation, the AIESL Assistant Supervisor Syllabus 2020 has uploaded by the Air India Engineering Services Limited. So, candidates to clear the written exam with the best score have to download the AIESL Asst Supervisor Syllabus 2020.

To make the candidate's preparation too easy, we have uploaded the AIESL Assistant Supervisor Exam Pattern 2020. So, applicants along with the AIESL Syllabus catch the exam pattern and prepare well to get the maximum marks in the written examination. So, candidates try to perform well in the written exam by prepare with the Air India Syllabus 2020. Candidates start their preparation for the written examination with the help of prescribed AIESL Assistant Supervisor Syllabus and Exam Pattern. So, all the aspirants need to work hard to prepare well for the Air India Examination 2020.

Air India Syllabus 2020 Pdf Download AIESL Assistant Supervisor Exam Pattern

Air India Assistant Supervisor Exam Syllabus 2020 – Overview
Description Details
Name of the Organization Air India Engineering Services Limited
No of Vacancies 170
Name of the Post Assistant Supervisor
Category Syllabus
Examination Date November 2020
Official Website www.airindia.in

Air India Assistant Supervisor Exam Pattern 2020 gives you complete details about the structure of the Examination. By checking the Exam Pattern, candidates will let to know the details such as the type of the examination, the name of the subject, the number of questions and the number of marks.

Air India Assistant Supervisor Exam Pattern 2020 
S.No Type of Examination Name of the Subject
1 Written Examination / Skill Test General Knowledge
2 General English
3 Reasoning
4 Aptitude

Selection Procedures:

From this section, all the applied candidates can get detailed information about the AIESL Assistant Supervisor Selection Process 2020. The officials of the Air India Engineering Services Limited are planning to conduct the Online Skill Test for all the applied candidates. Therefore, candidates whoever applied for the post of the Assistant Supervisor must attend the Examination. Candidates who got qualified in the Exam are said to be selected for the desired post.

  • Online Skill Test
  • Written Examination

[Air India Syllabus 2020 PDF]

Download Air India Syllabus 2020-20 PDF

Applicants who are going to participate in the written exam need to prepare well using the AIESL Assistant Supervisor Syllabus 2020. So can hurry up and schedule for the preparation with the help of the Air India Syllabus 2020. Go through the AIESL Assistant Supervisor Syllabus 2020 Subject Wise available below.

AIESL Assistant Supervisor General Knowledge Syllabus

  • Winners
  • Terms
  • Common Names
  • Full forms
  • Soil
  • Rivers
  • Mountains
  • Ports
  • Inland Harbours
  • Number of Players
  • Awards
  • Authors
  • Flower
  • Defense
  • Culture
  • Religion
  • Languages
  • Capitals
  • Wars and
  • Neighbors
  • Current Affairs
  • History
  • Anthem
  • Important National Facts
  • Heritage and Arts
  • Dance
  • Currencies
  • Bird
  • Animal
  • Abbreviations
  • Discoveries
  • Diseases and Nutrition
  • Song
  • Flag
  • Monuments
  • Personalities
  • Freedom Movement
  • Championships
  • Culture
  • Religion
  • Dance
  • Heritage and Arts

Air India Assistant Supervisor Syllabus 2020 – General English

  • Sentence Rearrangement.
  • Subject-Verb Agreement
  • Error Correction.
  • Unseen Passages.
  • Vocabulary.
  • Comprehension.
  • Antonyms.
  • Idioms & Phrases.
  • Synonyms.
  • Fill in the Blanks.
  • Sentence Structure.
  • Shuffling of sentence parts.
  • Grammar.
  • One word substitutions.
  • Cloze Passage.

AIESL Syllabus 2020 for Assistant Supervisor Exam – Reasoning 

  • Alphabet Test
  • Analogy
  • Arithmetical Reasoning
  • Blood Relations
  • Calendar and Clock Test
  • Classification
  • Coding-Decoding
  • Cubes and Dices Test
  • Data Sufficiency
  • Images
  • Mathematical Operations
  • Non-Verbal Series
  • Number-Ranking-Time Sequence
  • Puzzle Test
  • Series Completion
  • Statements
  • Syllogism
  • Verbal Reasoning
  • Statement and Argument
  • Logical Deduction
  • Cause and Effect
  • Statement and Assumption
  • The Course of Action

Syllabus for AIESL Assistant Supervisor Exam – Aptitude 

  • HCF & LCM
  • Pie Charts
  • Line Graphs
  • Number System
  • Mixtures & Allegations
  • Logarithms
  • Bar Graphs
  • Profit and Loss
  • Simplification
  • Roots
  • Pipes & Cisterns
  • Clocks
  • Percentages
  • Ratio and Proportions
  • Time and Work
  • Problems on Trains
  • Decimal & Fractions
  • Averages
  • Volume & Surface Area
  • Probability
  • Time and Distance
  • Mensuration
  • Problems on Ages
  • Simple & Compound Interest
  • Permutation & Combination
  • Boats & Streams
  • Heights & Distances Partnership

 Important Links Related To Air India Engineering Services Limited

Indian Army Military Nursing Service (MNS) Syllabus & Exam Pattern 2020

Posted: 12 Jan 2020 09:41 PM PST

The Latest Indian Army MNS Syllabus is available here. So the candidates who are applied for Indian Army jobs can check this Military Nursing Service Exam Syllabus for exam preparation. Also, the applicants can view the Indian Army MNS Exam Pattern before going to the exam.

Indian Army MNS Syllabus 2020 Pdf

Indian Army MNS Syllabus 2020 is available here. The Indian Army is inviting online applications from female candidates for filling up 210 posts of Military Nursing Service to work on a permanent basis. Candidates who are appearing for the Military Nursing Service Exam will be searching for Indian Army MNS Exam Syllabus. Our website recruitment.guru is providing the Indian Army Nursing & Midwifery Syllabus for the guidance of the applicants. Aspirants can view the Indian Army MNS Exam Syllabus & Exam Pattern provided here.

The Indian Army is the largest component and the land-based branch of the Indian Armed Forces. The primary role of the Indian Army is to ensure national security and unity and also the mission of the Indian Army is for defending the nation from threats and maintaining safety and peace within its borders. Every year Indian Army releases notifications for recruiting candidates in large numbers. Candidates can also check the official website www.indianarmy.nic.in for more details.

Military Nursing Service Exam Syllabus – Brief Info
Description Details
Organization Name Indian Army
Total Vacancies 220
Exam Name Military Nursing Service BSc (Nursing) Course
Online Application Date 14th November 2019 – 02nd December 2019
Exam Date April 2020
Job Location India
Category Syllabus
Official Website www.joinindianarmy.nic.in/ www.indianarmy.nic.in

Candidates applying for the posts of Military Nursing Service need to go through the below selection procedure:

  • Written Examination
  • Interview

Check below for Indian Army Nursing Exam Syllabus and exam pattern. Download the MNS Syllabus before starting the exam preparation. With the help of IA MNS Syllabus, the aspirants can estimate the important topics covers in the examination. So that it is easy for them to prepare a schedule covering all the important concepts. As a result, this process of preparation will help the candidates in scoring more marks.

Indian Army MNS Syllabus 2020 – Exam Pattern
Sl.no Subjects Duration
1. General English

90 Minutes
2. Biology
3. Physics
4. Chemistry
5. General Intelligence
  • The written examination will consist of Objective Type Questions.
  • The Exam Duration will be of 90 Minutes.

Indian Army Nursing & Midwifery Syllabus 2020

Indian Army MNS Syllabus 2020 is provided here. The subjects for the Military Nursing Service Exam are as follows:

Indian Army MNS General English Syllabus

  • Synonyms/ Homonyms.
  • Antonyms.
  • Spot the error.
  • Fill in the blanks.
  • Spellings.
  • Detecting Mis-spelt words.
  • Idioms and phrases.
  • One word substitutions.
  • Shuffling of sentence parts.
  • Shuffling of Sentences in a passage.
  • Improvement.
  • Cloze passage.
  • Comprehension passage.

Indian Army MNS Syllabus for Biology

  • Taxonomy.
  • Cell and Molecular Biology.
  • Reproduction.
  • Genetics and evolution.
  • Human health and diseases.
  • Biochemistry.
  • Plant physiology.
  • Human physiology.
  • Biotechnology and its applications.
  • Biodiversity, ecology, and environment.

Indian Army MNS Syllabus for Physics

  • Laws of Motion & Work, Energy, and Power.
  • Properties of Matter.
  • Electrostatics.
  • Current Electricity.
  • Magnetic Effects of Electric Current.
  • Electromagnetic Induction and Alternating Current.
  • Optics.
  • Dual Nature of Radiation and Atomic Physics.
  • Nuclear Physics.
  • Semiconductor Devices and their Applications.

Syllabus of MNS 2020 for Chemistry

  • Atomic Structure.
  • p,d, and f – Block Elements.
  • Coordination Chemistry and Solid State Chemistry.
  • Thermodynamics, Chemical Equilibrium, and Chemical Kinetics.
  • Electrochemistry.
  • Isomerism in Organic Compounds.
  • Alcohols and Ethers.
  • Carbonyl Compounds.
  • Carboxylic Acids and their derivatives.
  • Organic Nitrogen Compounds and Biomolecules.

Indian Army MNS Exam Syllabus 2020 – General Intelligence

  • Analysis.
  • Number Series.
  • Observation.
  • Judgment.
  • Space Visualization.
  • Decision Making.
  • Problem Solving.
  • Similarities and Differences.
  • Figure Classification.
  • Visual Memory.
  • Relationship Concepts.
  • Non-Verbal Series.
  • Arithmetical Computation.
  • Analytical Functions etc.

Download MNS 2020 Syllabus Important Links

The Indian Army Syllabus which is available on our page is only for the reference use. So the candidates who applied for Indian Army jobs can check this syllabus of Military Nursing Service Exam. To start the exam preparation and prepare a nice plan click the below link.

Download PSTET Admit Card 2020-21 Now | Get Direct Link from Here

Posted: 12 Jan 2020 09:31 PM PST

PSTET Admit Card 2020 Available on 15th January 2020 – Punjab School Examination Board is yet to release the admit card for the Punjab State Teacher Eligibility Test (PSTET). Thus, the exam date declared on 05th January 2020 (Sunday) is cancelled. To get the PSTET Admit Card reach the direct link given at the bottom of the section. We recruitment.guru have provided the needed details about the Test and Admit Card. Kindly go through it to download the PSTET Admit Card in an easy way.

Download PSTET Admit Card 2020 21 Now | Get Direct Link from Here

Download PSTET Admit Card 2020 21 Now | Get Direct Link from Here Latest Update: PSTET Exam on 05th January 2020 has been cancelled. The Postponed Exam date has been declared on 19th January 2020. The PSTET Admit Card will be issued on 15th January 2020.

PSTET Admit Card 2020 – HighLights

Candidates can get the exact dates & other information from this overview table. Just provide your unique Application Number and the Password to download the Punjab STET Admit Card 2019. Moreover, Here is the way to apply for various Government Jobs 2019. Check with the eligibility and apply before the last date ends.

Description Details
Name of the Board Punjab School Examination Board
Name of the Exam Punjab State Teacher Eligibility Test (PSTET)
Date of the Exam 05th January 2020 (Sunday) 19th January 2020
PSTET Admit Card Card Date 15th January 2020
Category Admit Card
Official Website pstet.net

Particulars on PSTET Exam Hall Ticket 2020

The entry ticket has the details of the test and also the candidate’s information. Every individual must download the PSTET Admit Card via Online Mode only. Hence, Aspirants who are under the eligible list only can download the admit card. Here we have a list of instructions that are available on the PSTET Exam Admit Card. Make use of the PSTET Syllabus for the exam preparation.

  • Student Name
  • 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 Test
  • Space for Invigilator's Signature
  • Registration Number
  • Name of the Test Centre
  • Space for Applicant's Signature
  • Name of the Exam Conducting Board
  • Photograph of the Student
  • Applicant's Date of Birth
  • Name of the exam
  • Important Guidelines for the Exam Takers
  • Full Name of the Applicant
  • Examination Centre Code
  • Signature of the Board Counselor

PSTET Exam Date |15th January 2020

Punjab State Teacher Eligibility Test Schedule 2020:

Paper Time Duration Marks
PSTET Paper-I 9:30 am to 12.00 pm 2.30 hours 150 Marks
PSTET Paper-II 2.00 pm to 4:30 pm

Importance of Punjab State Teacher Eligibility Test Admit Card 2020

Contenders who are going to take down the Government examinations must carry the admit card to get into the exam hall. Moreover, No candidates will be allowed inside the exam hall without the hall ticket. So we recruitment.guru has provided the direct link to get it in an easier way. Other than the Punjab STET Hall Ticket, Contenders can download the other important government exam from Sarkari Naukri Admit Card.

Other ID Proofs with Punjab State TET Exam Admit Card 2020-21

It is necessary to carry the original document provided by the Punjab Government to the exam hall. Clear the verification process at the doorstep with the ID proofs along with the PSTET Admit Card 2020.

  • PSTET Admit Card
  • Original Photograph
  • Voter Card
  • Pan Card
  • Employee ID
  • College ID
  • PAN Card
  • Passport
  • Driving License

How to Download PSTET Exam Admit Card 2020?

  1. Click on the PSTET Hall Ticket at the end of the segment.
  2. Provide Login particulars.
  3. After getting the admit card fill the required details.
  4. Verify the entered details appeared on the screen.
  5. After the clear glance Submit the PSTET Admit Card.
  6. Finally, download your PSTET Hall Ticket
  7. Take a print out of the admit card and carry it for the PSTET Examination

PSTET Exam Admit Card 2020-21 | Important Links

PSTET Admit Card Download Here (On 15th January 2020)
PSTET Syllabus Get Here
Official Website Click Here

 

NYKS DYC Result 2020 [Announced] | Download ACT, MTS, Steno & Others Cut Off, Merit List@ nyks.nic.in

Posted: 12 Jan 2020 09:27 PM PST

NYKS Result 2020 Released: The Nehru Yuva Kendra Sangathan has released the NYKS DYC Result 2020 on its official web portal. As we know, a huge number of candidates have participated in the written examination and waiting for the Results. All the applicants can check your NYKS Result 2020 from this article. For the sake of aspirants, we have provided the direct link to download the NYKS Results 2020 on this page. Here on this page, we have updated the latest result link and it is activated now !!!

NYKS Result 2020 @ nyks.nic.in

Nehru Yuva Kendra Sangathan has commenced the written examination for the posts like Assistant Director/District Youth Coordinator, Junior Computer Programmer, Senior Hindi Translator, Assistant, Librarian, Stenographer, Computer Operator, Accounts Clerk Cum Typist, LDC, MTS on the scheduled dates. And now all the candidates are searching for their Results. Therefore, the NYKS Board has released the NYKS Result 2020 for ACT, LDC, DYC, MTS, Steno and also Various Other Posts. And also, all the candidates can get the NYKS Cut Off Marks and Merit List 2020 on our recruitment.guru webpage.

NYKS Results 2020 – Overview

Description

Details
Organization Name Nehru Yuva Kendra Sangathan (NYKS)
Post Name Assistant Director/ District Youth Coordinator, LDC, MTS & Other Posts
Number of Posts 337 Posts
Category Sarkari Result
Exam Date ACT: 30th April 2019
MTS: 15th May 2019
Others: 6th To 9th September 2019
Result Release Date Released
Selection Process Written Test
Job Location Across India
Official Website nyks.nic.in

The Nehru Yuva Kendra Sangathan has conducted a written exam to fill up 337 vacancies for various Job Roles. All the interested candidates may have participated with a dream. So all the registered candidates can verify your results from the direct link given at the bottom of this page. All the candidates can get an overview of the NYKS DYS Exam Result 2020 from the above table. Along with the Result, candidates can also check the NYKS Cut off Marks and Merit List 2020 provided on this webpage.

Also, Check NYKS DYC Result 2020 [Announced] | Download ACT, MTS, Steno & Others Cut Off, Merit List@ nyks.nic.inNYKS Recruitment 2020

NYKS Cut Off Marks 2020

NYKS DYC Cut Off Marks 2020 will be updated by the officials on the official portal @ nyks.nic.in. As the higher authorities are responsible to release the NYKS Cut Off Marks 2020 for the Assistant Director/District Youth Coordinator, Junior Computer Programmer, Senior Hindi Translator, Assistant, Librarian, Stenographer, Computer Operator, Accounts Clerk Cum Typist, LDC, MTS Posts. Check the NYKS Cut Off Marks based on the categories of the applicants SC, ST, BC, OBC. Cut Off marks states the details of minimum qualifying marks aspirants must get in the examination. So, the candidates who had secured the qualifying marks will be call for the next selection rounds. Therefore aspirants must also check the factors of how the officials releases the cut off marks. Board members can check

  • Previous years cut off marks
  • Number of vacancies available
  • The hardness level of the paper

NYKS Merit List 2020

Candidates can check the final NYKS Merit List 2020 to know the highest marks scored in the examination. As the officials provide the NYKS Merit List 2020 on the official site @ nyks.nic.in. When the board releases the Merit List, then we will be updating it on this page. Get the final highest mark details based on the name of the candidates and roll number given by the officials. Therefore, candidates can get the idea, who had shortlisted for the next rounds. The NYKS Official will release once the NYKS Assistant Director/ District Youth Coordinator, Junior Computer Programmer, Senior Hindi Translator, Assistant, Librarian, Stenographer, Computer Operator, Accounts Clerk Cum Typist, LDC, MTS Result 2020 are declared.

Steps to Download the NYKS  Result 2020

  1. Initially, applicants can visit the official website @ nyks.nic.in.
  2. NYKS home page will be appeared on the screen.
  3. When the home page is opened, candidates can find the Notice Board Section.
  4. On the Notice Board section, refer to the latest announcements.
  5. Check for the NYKS Result 2020 link and Click on the link.
  6. Applicants can check your NYKS DYC & Other Results and click on it.
  7. Then, the NYKS Results 2020 will appear on the screen.
  8. Download and take a soft copy of it for future reference.

Direct Links to Download NYKS Result 2020

NYKS MTS Selection List 2020 Click Here
NYKS LDC & DYC Result 2020 LDC | DYC
NYKS ACT Result 2020 Click Here
NYKS Assistant Result 2020 Click Here
NYKS MTS Result 2020 Click Here
NYKS Computer Operator Result 2020 Click Here 
NYKS Stenographer II Result 2020 Click Here 
NYKS Senior Hindi Translator Result 2020 Click Here
NYKS Librarian Result 2020 Click Here 
Official Website Click Here

NRRMS Tamilnadu Recruitment 2020! 12th Pass can Apply Online 1993 Computer Assistant Jobs

Posted: 12 Jan 2020 09:26 PM PST

NRRMS Recruitment 2020, Vacancy in Tamilnadu Government for 12th Pass Candidates!!!!!. National Rural Recreation Mission Society has released a Job notification to fill up 1993 Candidates for VP Facilitators, Coordinator, Computer Assistant & Other Posts. Applicants who have completed 12th class with Computer Knowledge can apply for these Vacancies through Online. Get a direct link to apply for NRRMS Jobs 2020. Applicants who are willing to apply for this Central Govt Jobs can apply Online until 30th January 2020.NRRMS Tamilnadu Recruitment 2020! 12th Pass can Apply Online 1993 Computer Assistant Jobs

NRRMS Recruitment 2020

Online applications are invited for filling up the following vacancies under the National Rural Recreation Mission Society funded by the World Bank on its project of Deendayal Upadhyay Rural Infrastructure Development (DDU-RID) for Tamil Nadu. Before applying candidates are advised to ensure that they fulfill the stipulated eligibility criteria. Applicants can scroll down to know eligibility, educational qualification, experience, salary, and other details.

Overview of NRRMS Jobs 2020

Name of the Board National Rural Recreation Mission Society (NRRMS)
Name of the Post Computer Assistant, Coordinator & Others
No of Vacancies 1993 Posts
Job Category TN Government Jobs
Starting Date to Apply 03rd January 2020
Last Date to Apply 30th January 2020
Application Mode Apply Online
Job Location Tamilnadu
Official Website nrrmsociety.com

NRRMS Vacancy 2020 Details

Post Name Number of Vacancies
District Project Officer 18
Accounts Officer 19
Technical Assistant 21
Block Data Manager 236
Communication Officer 178
Block Field Coordinator 161
Multi-Tasking Official 206
Computer Assistant 378
Coordinator 386
VP Facilitators 390
Total 1993

Eligibility Criteria for National Rural Recreation Mission Society Recruitment 2020

Educational Qualification:

Post Name Academic Qualification
District Project Officer Post-Graduate degree with 1+ years/Graduate degree with 3+ years post qualification experience in social
/community development sector, out of which at least 1 Year should be on a relevant domain.
Accounts Officer Post-Graduate / Graduate degree with 2+ years post qualification experience in Finance/Accounts related works.
Technical Assistant Graduate with at least 6 months DCA and proficiency in computer typing, data entry and report generation and good knowledge of MS-Office with 1+ years of post-qualification experience in MIS related works. BCA, BSc(IT) and other technical courses will be given prefer
Block Data Manager Graduate degree with proficiency in computer typing, data entry and report generation and good knowledge of
MSOffice with 1+ years of post-qualification experience in MIS related works. BCA, BSc(IT) and other technical courses will be given prefer
Communication Officer Graduate degree with 2+ years post qualification experience in social /community development sector, out of which at least 1 Year should be on a relevant domain
Block Field Coordinator Graduate / 10+2 with 2+ years post qualification experience and knowledge in computer applications
Multi-Tasking Official Graduate / 10+2 with 2+ years post qualification experience and knowledge in computer applications.
Computer Assistant 10+2 / HS with at least 6 months Diploma in computer applications.
Coordinator 10+2 / HS with knowledge in computer applications
VP Facilitators 10+2 with 1+ years post qualification experience and
knowledge in computer applications will be preferable

Age limit:

Post Name Age Limit
District Project Officer 23-43 Years
Accounts Officer 22-43 Years
Technical Assistant 21-40 Years
Block Data Manager 21-38 Years
Communication Officer 21-38 Years
Block Field Coordinator 18-38 Years
Multi-Tasking Official 18-40 Years
Computer Assistant 18-38 Years
Coordinator 18-40 Years
VP Facilitators 18-38 Years

NRRMS Jobs Salary Details:

Post Name Gross Salary (Rs) PM
District Project Officer Rs. 26,560/
Accounts Officer Rs. 22,650/-
Technical Assistant Rs. 19,650/-
Block Data Manager Rs. 17,730/
Communication Officer Rs. 17,650/
Block Field Coordinator Rs. 16,630/-
Multi-Tasking Official Rs. 16,500/-
Computer Assistant Rs. 16,700/
Coordinator Rs. 16,660/-
VP Facilitators Rs. 16,660/

Application Fee:

  • General / OBC / MOBC Candidates – Rs.250/-
  • SC / ST Candidates – Rs.150/-
  • BPL Candidates – Rs. 150/-

NRRMS Career Selection Process:

  • Written Test
  • Computer Proficiency Test

How to Apply for NRRMS Tamilnadu Recruitment 2020?

Steps to Apply for National Rural Recreation Mission Society Recruitment 2020:

  1. Initially, candidates can apply through ONLINE registration system on NRRMS official website i.e. nrrmsociety.com
  2. Check for the NRRMS Recruitment notification for Computer Assistant, Coordinator & Other posts
  3. Download the pdf and read the given instructions carefully
  4. Candidate before starting online registration should keep the properly scanned copies of necessary documents ready.
  5. Fill in all the necessary details asked in the application form
  6. Upload scanned copies of your recent photograph, signature and scanned copies of necessary documents
  7. Pay prescribed application fee
  8. Finally, press on submit button
  9. After successful submission of application forms take a print out of application form.

Important Dates for National Rural Recreation Mission Society Recruitment 2020

Starting Date for Receipt of Online Applications 03rd January 2020
Last Date for Receipt of Online Applications 30th January 2020

Important Links for NRRMS Recruitment 2020

Official Notification Pdf Download Here
Apply Online Link Click Here
NRRMS Official Website Click Here

Similar Government Jobs 2020:

Apply Online Job Details Last Date
TN TRB Recruitment 1060 – Polytechnic Lecturer [Update Soon]
TNPSC Group 1 Recruitment  Various – Group 1 (Deputy Collector, Deputy Superident of Police & Other) [19-02-2020]
FACT Recruitment 138 – Technician, MT & Other [22-01-2020]
NABARD Recruitment 227 – Assistant Manager, OA [31-01-2020]
CDAC Recruitment 116 – Manager, Finance Officer & Other [12-01-2020]
Prasar Bharati Recruitment 30 – Assistant Section Officer [11-01-2020]
BECIL Recruitment 4100 – Skilled and Unskilled Man Power [11-01-2020]

Frequently Asked Questions About NRRMS Recruitment 2020:

1. What is the mode of application form NRRMS Tamilnadu Recruitment 2020?
A. Applications for NRRMS Recruitment will be accepted only in the Online mode. Candidates can apply for Computer Assistant, Coordinator & Other posts by following the steps given above

2. Where will the candidates be placed after selection?
A. The selected candidates can be placed in Tamilnadu which has an office of National Rural Recreation Mission Society (NRRMS).

3. What are the important dates I must know for NRRMS Computer Assistant Jobs 2020?
A. Candidates must make note of the following date

  • Starting Date of Application – 03rd January 2020
  • Last Date To Apply Online – 30th January 2020

4. What are the eligibility criteria for the National Rural Recreation Mission Society Recruitment 2020?
A. Candidate should have the 12th Pass/ Graduate to be eligible for NRRMS Jobs. The candidate must be below 43 years of age.

5. How much will I be paid for NRRMS Vacancy 2020?
A. Candidates will be paid Basic pay of Rs.26,560/-.

6. What is the application fee that I will have to pay for NRRMS Tamilnadu Recruitment 2020?
A. General / OBC / MOBC Candidates will have to pay – Rs. 250/- as application fee and SC / ST / BPL Candidates have to pay Rs. 150/-.

About the National Rural Recreation Mission Society (NRRMS):

At the heart of every human experience is the desire to survive and prosper. To live without fear, hunger or suffering. To imagine how your life could be better and then have the means to change it. Yet, every day, 1.4 billion people – nearly one-fifth of the world's inhabitants – cannot fulfill their most basic needs, let alone attain their dreams or desires.

Our initiatives are Creating an institutional architecture through NRRM Society for the fight against poverty, Enabling and empowering for the poor to access better livelihoods and improve their standards of living would be one of the key objectives of NRR Mission in India. NRRMS aims to improve rural livelihood options and work towards the social and economic empowerment of rural poor and women.

Get MPPSC Syllabus for MP State Civil Service & Forest Service Examination 2020 || Download Syllabus Pfd Below

Posted: 12 Jan 2020 09:20 PM PST

MPPSC Syllabus 2020

MPPSC Syllabus 2019 for Civil Service Exam is available here. Madhya Pradesh Public Service Commission reported the different Govt Jobs like Deputy Collector, Naib Tehsildar, Asst Director & Others. Aspirants who applied for the MPPSC Recruitment can check the MPPSC Syllabus and MPPSC Exam Pattern in this article. Likewise, download the Syllabus and Exam Pattern Pdf using the link provided at the bottom of the page.

Exam Name Syllabus Details
State Civil Service Examination Click Here
State Forest Service Exam Click Here

MPPSC Civil Service Exam Syllabus

MPPSC State Civil Service Exam Syllabus is here to download. Candidates who are interested in MP Civil Service Jobs can get the entire details about the MP Civil Service Exam here. MP State Civil Service Preliminary Exam is going to held on 12th January 2020. Along with this page, aspirants can either download the MPPSC Syllabus Pdf or note down the main points given proclaimed in the below section.

Get MPPSC Syllabus for MP State Civil Service & Forest Service Examination 2020 || Download Syllabus Pfd Below

Madhya Pradesh State Civil Services Exam 2020
Organization Name Madhya Pradesh Public Service Commission (MPPSC)
Name of the Exam State Civil Service Examination
Name of the Post Deputy Collector, Naib Tehsildar, Asst Director, Deputy Superintendent of Police & Other
No. of. Vacancies  538
Examination Date   12th January 2020
 Category  Syllabus
Job Location Madhya Pradesh
Official Website www.mppsc.nic.in

MPPSC State Service Exam Pattern Details

MPPSC Prelims Exam Pattern:

Subject Name No. of. Marks Duration of Examination
General Studies-Objective 200 02 Hours
(120 minutes)
General Aptitude Test 200 02 Hours
(120 minutes)
Total 400

MPPSC Mains Exam Pattern:

Subject Name No. of. Marks Duration of Examination
General Studies-I 300 03 Hours
(180 minutes)
General Studies-II 300 03 Hours
(180 minutes)
General Studies-III 300 03 Hours
(180 minutes)
General Studies-IV 200 03 Hours
(180 minutes)
Hindi 200 03 Hours
(180 minutes)
Hindi Essay 100 02 Hours
(120 minutes)
Total 1400

Syllabus for MPPSC State Civil Service Exam 2020

MPPSC Preliminary Examination:

General Studies

  • General Science and Environment.
  • Current Events of National & International Importance.
  • History of India and Independent India.
  • Indian Polity and Economy.
  • Sports.
  • Geography. History and Culture of M.P.
  • Polity and Economy of M.P.
  • Information and Communication Technology.

General Aptitude Test

  • Comprehension.
  • Interpersonal skill including communication skills.
  • Logical reasoning and analytical ability.
  • Decision making and problem-solving.
  • General mental ability.
  • Basic numeracy.
  • Hindi Language Comprehension Skill (Class X level).

Madhya Pradesh Civil Services Exam – Mains Syllabus:

Paper – I

  • History & Culture
  • World History
  • Indian History
  • Moguls and their administration
  • Impact of British Rule on Indian economy and society,
  • Indian ‘Renaissance:
  • Emergence of India as a Republic.
  • Indian Culture, Heritage
  • Geography
  • Water ManagementDisaster & its Management

Paper-II 

  • Constitution, the Political and Administrative Structure of Governance.
  • Security issues: External and Internal.
  • Social & Some important Legislation
  • Social Sector – Health, Education & Empowerment
  • Education systems
  • Human resource development
  • Welfare programs
  • Public Services
  • Public Expenditure and Accounts
  • International Organizations

Paper III  

  • Science
  • Reasoning and Data Interpretation
  • Technology
  • Emerging Technologies
  • Energy
  • Environment and Sustainable Development
  • Indian Economy

Paper IV

  • Human needs and motivation
  • Philosophers/Thinkers, Social workers/Reformers
  • Attitude
  • Aptitude
  • Emotional intelligence
  • Corruption
  • Case studies

MPPSC Preliminary Exam Syllabus in Hindi

MPPSC Mains Exam Syllabus in Hindi

Download MPPSC Syllabus for Civil Service Exam 2020

MPPSC Preliminary Exam Syllabus in English

Madhya Pradesh PSC Mains Exam Syllabus Pdf in English

MPPSC State Forest Service Exam Syllabus

Candidates who are eagerly waiting for MPPSC Forest Service Exam can check the Syllabus and Exam Pattern details that are updated in this article. Hence, the Job Seekers who applied for MPPSC SFS Exam can check details here. For helping the aspirants who are preparing for the Madhya Pradesh Forest Service Exam we have stated the mandatory details like Exam Date, Exam Pattern & Syllabus. Start your preparation & do well to secure good marks in the written examination.

 Overview of MPPSC Forest Service Syllabus 
Organization Name Madhya Pradesh Public Service Commission (MPPSC)
Name of the Examination MPPSC State Forest Service Exam
Name of the Post  Assistant Forest Guard/ Forest Range
Examination Date   12th January 2020  
 Category  Syllabus
Job Location Madhya Pradesh
Official Website  www.mppsc.nic.in

MPPSC State Forest Service Exam Pattern 

MPPSC Forest Service Prelims Exam Pattern:

Paper Subject No.of. Marks Duration
Paper-I General Studies 200 02 Hours
Paper-II General Aptitude Test 200 02 Hours

MPPSC Forest Service Mains Exam Pattern:

Paper Subject No.of. Marks Duration
Paper-I General Studies 2000 02 Hours
Paper-II General Hindi & English 200 02 Hours
Paper-III Optional Subject (Paper I) 200 02 Hours
Paper-IV Optional Subject (Paper-II) 200 02 Hours
Interview 100 –
Total 900 –

MPPSC Forest Service Exam Syllabus 2020

MP Forest Prelims Syllabus

Paper I – General Studies:

  • Geography of India.
  • Current Events of National and International Importance.
  • History of Indian and Independent India.
  • General Science and Environment.
  • General Geographical awareness of World.
  • Sports.
  • Geography, History, and Culture of Madhya Pradesh.
  • Polity and Economy of Madhya Pradesh.
  • Indian Polity and Economy.
  • Information and Communication Technology.
  • The Protection of Human Rights Act, 1993.
  • SC & ST (Prevention of Atrocities) 1980 (No. 33 of 1989) and the Protection of Civil Rights Act, 1955 (No. 22 of 1955).

Paper-II – General Aptitude Test:

  • Decision Making and Problem Solving.
  • Interpersonal Skill including Communication Skills.
  • Comprehension.
  • Logical Reasoning and Analytical Ability.
  • Hindi Language Comprehension Skill (Class X Level).
  • General Mental Ability.
  • Basic Numeracy and Data Interpretation.

MPPSC Forest Service Mains Syllabus

Paper I – General Studies:

  • History of India and Independent India.
  • General Science and Environment.
  • Information and Communication Technology.
  • Geography of India.
  • General Geographical awareness of World.
  • Geography, History, and Culture of Madhya Pradesh.
  • Current Events Knowledge.
  • Sports.
  • Geography, History, and Culture of Madhya Pradesh.
  • Polity and Economy of Madhya Pradesh.
  • General Mental Ability.
  • Indian Polity, and Economy.

General Hindi:

  • पल्लवन, संधि व समास.
  • संक्षेपण.
  • प्रयोग, शब्दावली तथा प्रारंभिक व्याकरण.
  • निबंध लेखन (300 शब्द).
  • प्रतिवेदन- (प्रशासनिक, विधि, पत्रकारिता, साहित्य व सामाजिक).
  • अनुवाद (वाक्यों का).

Culture, Literature, Music, Dance, Arts, and History of M.P:

  • Culture.
  • Literature.
  • Music & Dance Tradition.
  • Arts.
  • Major Scheduled Tribes.
  • Programmes of State Government in the field of Culture.
  • Archaeological Heritage.
  • Historical Perspective of M.P.

General English:

  • Grammar.
  • speech Vocabulary.
  • Direct and Indirect Speech.
  • Active and Passive Voice.
  • Transformation of Sentence.
  • Sentence Completion Questions.
  • Reading Comprehension.

Madhya Pradesh – General Introduction:

  • Geography.
  • Natural Resources of Madhya Pradesh.
    • Mineral Wealth.
    • Forest Wealth and Wild Life.
    • Agriculture and Live Stock.
    • Water Resources – Development of Irrigation and Irrigation Projects.
  • Human Resources.
  • Energy Resources.
  • Industries.
  • Environment.
  • Planning and Evaluation.
  • Administrative Structure of Madhya Pradesh.
  • Rural and Urban Administrative Structure.
  • Games and Sports.

Elementary Mathematics:

  • Algebra.
    • Additions.
    • Multiplication.
    • Subtraction.
    • Division.
    • Simple Formula and their use factors.
    • H.C.F. and L.C.M.
    • Fractions.
    • Simple Equations.
  • Trignometry.
    • Circular Measure.
    • Simple Problems with Heights and Distance.
    • Definitions of Trigonometric Ratios.
  • Geometry.
    • Line and Angles.
    • Parallels.
    • Parallelograms.
    • areas of Quadrilaterals.
    • Construction of Angles.
    • Construction of Triangles.
  • Arithmetic.
    • Profit and Loss.
    • Average.
    • Simple and Compound Interest.
    • Time and Distance.
    • Percentage.
    • Area.
    • Time and Work.
    • Ration and Proportion.

Paper II – Science, Technology, and Environment:

  • Environment.
  • Biology.
  • Physics.
  • Technology.
  • Chemistry.

[MPPSC SFS Exam Syllabus Pdf Download]

 

AP Grama Secretriat Recruitment 2020: 16,208 Vacancies | Apply Online Link LIVE Now – Check Updates

Posted: 12 Jan 2020 08:20 PM PST


AP Village Secretariat Recruitment 2020 – Apply Online for 16,208 Grama Sachivalayam Vacancies. The latest and the most trending AP Grama Secretariat Recruitment 2020 Notification is released now. This latest job notice by Andhra Pradesh Government has 16,208 vacancies for Village/Grama Secretariat posts. As per this notice, each village will have one secretariat and per each secretariat 10 responsibilities will be allotted. Interested candidates can start submitting your ONLINE application forms from 13th January 2020.  The main motive is to increase transparency and answerability to the citizen residing in villages. AP Government is forming Grama Schivalayam for every village, villages can apply for various services by visiting the Office of Grama Secretariat and the services will be available within 72 hours. Apply for AP Grama Secretariat Recruitment now!!

AP Grama Secretriat Recruitment 2020: 16,208 Vacancies | Apply Online Link LIVE Now Check Updates

AP Grama Sachivalayam Recruitment 2020 – 16,208 Vacancies

Hurry up, submit your applications before the due date i.e. 31st January 2020. However, as per the rules of AP Grama Secretariat notification, all Intermediate/12th pass can apply. Candidates can refer to the AP Grama Sachivalayam Recruitment Notification 2020 for more details to determine eligibility. The candidates can get to know more about the board by clicking on the website link. Candidates can click on the AP Grama Sachivalayam Apply Online link to start applying now.

Overview of AP Grama Secretariat Recruitment 2020

LIVE NOW
Name of the Government Andhra Pradesh State Government
Name of the Board O/o Commissioner Panchayat Raj and Rural Development, Andhra Pradesh
Name of the Post Village Secretariat
Number of Vacancies 16,208 Vacancies
Educational Qualification 10th Class/ 12th Class/ Degree
Apply Mode Apply Online
Job Category AP Govt Jobs
Starting Date to Apply 13th January 2020
Last Date to submit AP Grama Secretariat Application Form 31st January 2020
Last Date to Pay Application Fee 31st January 2020
Job Location Andhra Pradesh (AP)
Official Website www.ap.gov.in

AP Grama Secretariat Vacancy 2020 Details

Name of the Post Number of Vacancies
Grama Sachivalayam (Rural) Advt no. 01/2020
Panchayat Secretary (Grade-V) 61
Village Revenue Officer (VRO) Grade-I 246
ANMs (Grade-III) (Only Female) 648
Animal Husbandry Assistant 6858
Village Fisheries Assistant 69
Village Horticulture Assistant 1783
Village Sericulture Assistant 43
Village Agriculture Assistant (Grade-II) 536
Village Surveyor (Grade III) 1255
Panchayat Secretary (Grade VI) Digital Assistant 1134
Engineering Assistant (Grade-II) 570
Welfare and Education Assistant 97
Mahila Police and Women & Child Welfare Assistant 762
Ward Sachivalayam (Urban) (Advt no. 01 to 06/2020)
Ward Administrative Secretary 105
Ward Amenities Secretary (Grade-II) 371
Ward Sanitation & Environment Secretary (Grade-II) 513
Ward Education & Data Processing Secretary 100
Ward Planning & Regulation Secretary (Grade-II) 844
Ward Welfare & Development secretary (Grade-II) 213
Total 16,208

Eligibility Criteria for AP Grama Secretariat Notification 2020

Eligibility Criteria to fill up 16,208 vacancies available in AP Grama Secretariat Recruitment 2020 notification is as follows,

Nationality

  • Only candidates who belong to Andhra Pradesh should apply for the posts of Grama Secretariat
  • For vacancies available in Scheduled areas, only candidate belonging to scheduled areas should apply

Educational Qualification

Name of the Post Educational Qualification
Grama Sachivalayam (Rural) Advt no. 01/2020
Panchayat Secretary (Grade-V) Passed Degree
Village Revenue Officer (VRO) Grade-I SSC or it’s equivalent
ANMs (Grade-III) (Only Female) SSC or Intermediate, MPHA
Animal Husbandry Assistant 12th/Intermediate (Vocational) with MPVA, Animal Husbandry Polytechnic Course
Village Fisheries Assistant Fisheries Polytechnic diploma or 12th/Intermediate or B. F. Sc/B. Sc in relevant discipline
Village Horticulture Assistant Possess B. Sc/Diploma in horticulture from a recognized board
Village Agriculture Assistant (Grade-II) Diploma/B. Sc/B. Tech in Agriculture from a recognized board
Village Sericulture Assistant Inter (Vocational)/B. Sc/M. Sc in Sericulture
Mahila Police and Women & Child Welfare Assistant Possess Degree
Engineering Assistant (Grade-II) Possess a Diploma or Degree in Civil or Mechanical Engineering
Panchayat Secretary (Grade-VI) Digital Assistant B. com/B. Sc/Diploma or Degree in Electrical, Electronics or Computers, IT, Instrumentation. BCA/MCA
Village Surveyor (Grade-III) Draughtsman (Civil)/12th/Intermediate (Vocational) or Diploma in Civil Engineering/BE/B. Tech in Civil. Must have Surveyor Certificate.
Welfare and Education Assistant Possess Degree
Ward Sachivalayam (Urban) (Advt no. 01 to 06/2020)
Ward Administrative Secretary Passed Degree or it’s equivalent
Ward Amenities Secretary (Grade-II) Polytechnic Diploma (Civil/Mechanical Engineering or it’s equivalent)
Ward Sanitation & Environment Secretary (Grade-II) Passed Degree in Science or Environmental Engineering or its equivalent
Ward Education & Data Processing Secretary Possess Degree in Computer Science
Ward Planning & Regulation Secretary (Grade-II) Polytechnic Diploma (Civil)/ LAA or B. Arch/B. Ping or Above
Ward Welfare & Development secretary (Grade-II) Degree in Arts, Humanities or its equivalent

Age Limit to apply for APGV/APVV Jobs:

As on 1st October 2020 :

  • Minimum Age – 18 Years 
  • Maximum Age – 42 Years

Age Relaxation:

  • As per the Rules

Selection Process for AP Grama Secretariat Recruitment:

  • Written Examination
  • Interview

These Sachivalayams will be selected by the District Selection Committee (DCS).

Application Fee

  • Application Fee – Rs.200/-
  • Examination Fee – Rs.200/-
  • SC/ST/BC/PH/Ex-Servicemen – Rs.200/- (Only Application Fee)
  • Candidates applying as a non-local candidate in addition to his/her local district will be charged an additional fee of Rs. 100/- per district (Maximum of 3 districts)

An application fee must be paid through Debit Card/Credit Card or Net Banking.

AP Grama Sachivalayam Salary:

  • Rs. 14,600/- to Rs. 44,870/- per month

Roles and Responsibilities:

  • Each Village Sachivalayam will be assigned 10 Jobs.
  • They will be specially intended for village empowerment and the daily activities resolving purpose.
  • They will be monitoring works such as Pahcyaatraj, drinking water, women and children welfare, primary education, hospitals, agriculture, and various other services related to villages.
  • However, nature and type of jobs are still not disclosed by the officials in prior.
  • Selected candidates can avail of various services from village secretariat such as ration card, Rythu Bharosa scheme benefits, fee reimbursement, Arogya Shree, etc.
  • A Village Secretariat in AP is liable to offer a solution within 72 hours from the time of submission of application related to the grievance.
  • AP government has introduced the AP Secretariat system to make service delivery faster and transparent.
  • Village Secretariat of AP will work closely with Village Volunteers in order to provide better solutions to the complaint.

How to apply for AP Grama Sachivalayams Recruitment 2020

  1. Firstly, the application must visit AP Government official website i.e. www.ap.gov.in
  2. On the home page, take a look at Latest News Section
  3. Search for Apply Online link for AP Grama Sachivalayam Jobs for 16,208 Jobs
  4. Click on it
  5. AP Grama Secretariat Application form will be displayed on the screen
  6. Fill in the application form with all important details
  7. Upload scanned copies of necessary certificates along with your signature attested on it
  8. Pay the application fee as applicable
  9. Finally, recheck the filled details and hit on SUBMIT button
  10. After successful submission of the application form, take a printout of application form for future use.

Documents to be Uploaded:

  • Aadhar Card with the same Village Name
  • DOB as per SSC Certificate
  • Study Certificate
  • Educational Qualification details
  • Community Certificate
  • Certificate of Residence/ Nativity
  • Medical Certificate (PHC Candidates)

Documents needed during Verification:

  • 10th/12th Marks Card
  • Caste Certificate (Original)
  • PH Category Certificate
  • Nativity/Domicile Certificate

Important Dates for AP Grama Secretariat Exam Notification 2020

Starting Date to Apply 13th January 2020
Last Date to Apply 31st January 2020

NOTE: LIVE NOW

Important Links for APGC Recruitment 2020 Notification

Official Notification Pdf Download Here
Apply Online Link Click Here
Official Website Link 1 | Link 2 | Link 3
Syllabus Click Here
Previous Papers Click Here

Other AP Government Jobs 2020:

Notification 2020 Last Date Vacancy Details
AP DSC Recruitment Updated Soon School Assistant Special Education – 20,000+
DOT Recruitment 02-03-2020 Sub Divisional Engineer and Junior Telecom Officer – 101
Indian Ordnance Factories Recruitment 09-02-2020 Trade Apprentice – 6060
CFTRI Recruitment 06-02-2020  Scientist, Senior Scientist & Principal Scientist – 31
Indian Coast Guard Recruitment 02-02-2020 Navik (General Duty) – 260
Heavy Water Board Recruitment 31-01-2020  Stipendiary Trainee, Technical Officer & Other – 277
NABARD Recruitment 31-01-2020 Assistant Manager, OA – 227
Union Public Service Commission 28-01-2020 Defense Academy, Naval Academy – 418

 

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

Posted: 12 Jan 2020 08:48 PM PST

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

Walmart India sacks a third of its top execs, more to go in April

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Mumbai | New Delhi: Loss-laden Walmart India is in turmoil as the world's largest retailer is in the process of sacking about a third of its top executives based at local headquarters in Gurgaon, according to people aware of the development.Walmart announced the layoffs of more than 100 senior executives including vice presidents across sourcing, agri-business and the fast-moving consumer goods (FMCG) divisions at a townhall on Friday. It also plans to shut the Mumbai fulfilment centre, its largest warehouse, and halt new-store expansion in India.Profit has eluded Walmart in India with tepid sales growth more than a decade after entering the country. The real estate team responsible for new store locations has been disbanded, according to the people mentioned above.Walmart India didn't comment on the number of people laid off or store plans but said it remains committed to growing in India. "We are always looking for ways to operate more effectively to serve our members. This requires us to review our corporate structure to ensure that we are organised in the right way to best meet the needs of our members," a Walmart India spokesperson said. "Impacted associates have been offered enhanced severance benefits and outplacement services to support their transition."More people will probably have to leave later in the year. "This is the first phase of layoffs and we expect the next round by April," said one of the persons cited above.Three persons aware of the development said Walmart sees no future in its brick-andmortar cash-and-carry business in the country and the downsizing is either a precursor to selling it or consolidating operations with Flipkart's backend. 73220253 But Walmart, which acquired ecommerce marketplace Flipkart in 2018, said it had no plan to exit the wholesale segment. "This is completely baseless and false," said its spokesperson."Walmart remains deeply committed to growing its cash-and-carry business in India and is making deep investment in technology to cater to its members' need through brick-and-mortar and ecommerce."Mandate to Turn Around or Face Scaledown"The parent company has given a mandate to either turn around the business or face a massive scaledown," said another person aware of Walmart's plans.Walmart India's Best Price stores had accumulated losses of Rs 2,180.8 crore until March 2019. In the last fiscal year, Walmart India posted sales of Rs 4,095 crore and a net loss of Rs 171.6 crore. Rival Metro, which entered India in 2003, is the market leader in the segment with 27 stores and revenue in excess of Rs 6,500 crore.The Tata Group had held discussions on buying Walmart's wholesale business but found it unviable in the current form.The cash-and-carry business involves wholesale sales to small neighbourhood stores, hotels and catering firms. The world's largest retailer acquired Flipkart for $16 billion in 2018 to gain access to India's $670 billion retail market.Walmart's cutback comes as Flipkart has announced its entry into food retail in India. Flipkart FarmerMart will sell locally produced items online and can also sell through physical stores later. India allows 100% foreign direct investment (FDI) in food retail for locally manufactured items. Food is the only segment in which etailers are allowed to sell directly to consumers. The government has asked ecommerce firms to keep food-only retailing ventures at arm's length from flagship marketplaces by maintaining separate boards, staff, bank accounts and inventories."While they will have to figure out synergies and efficiencies between both companies, they will have to keep the regulatory framework in mind. There will be overlap and commonality which will be merged over time," said Devangshu Dutta, chief executive officer at consultancy firm Third Eyesight. "Walmart still has a small presence in India which is a nascent market but will keep growing for several decades."Walmart entered India in 2007. It partnered with the Bharti Group in the wholesale business, then bought out its partner's 50% stake. It terminated franchise and supply agreements related to Bharti's retail business in 2013. Walmart's store expansion was put on hold between 2012 and early 2015 amid an internal probe to check if its local unit had in any way violated the US Foreign Corrupt Practices Act that penalises American companies for bribery and other such wrongdoing overseas.

Tata Trusts' tax tussle is about to get ugly

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MUMBAI: The income tax (IT) department will likely tell the income tax appellate tribunal (ITAT) that six Tata Trusts wrongfully invested in shares of private companies and acted in breach of the object and purpose specified in their respective trust deeds, said people with knowledge of the matter. The appeal by the trusts against the department, which cancelled their registrations in October last year, is likely to be heard next month.The trusts will argue that they were not in violation of the trust deed and had themselves surrendered their registrations in March 2015, said people aware of the matter. Soon after this, the I-T department had issued a showcause notice (SCN) proposing to cancel registrations. The trusts had agreed. The trust sources said this showcause notice was never acted upon by the tax department.The I-T department's case is strong in law, countered an official. "The law very clearly states that a registration cannot be surrendered — it has to be cancelled," he said.The six entities are the Jamsetji Tata Trust, RD Tata Trust, Tata Education Trust, Tata Social Welfare Trust, Sarvajanik Seva Trust and Navajbai Ratan Tata Trust. They together hold 39,000 shares of Tata Sons, said one of the persons cited above.73220507 Concerns Over Trustees' RoleWhile the Tata Trusts as a whole owns 66% of Tata Sons, the six entities have less than 10%. The main shareholding trusts are the Sir Dorabji Tata Trust and the Sir Ratan Tata Trust which are not parties to this case.Section 11(5) of the I-T Act covers investments or deposits by a trust that has sought exemption under the act, said an official. Section 13(1)(d), which was amended in 2014, clearly states that one of the conditions attached to I-T Act registration is that a trust can't own shares of a company, unless it held them as of June 1, 1973. "The said sections prohibit holding of shares of a company. However, the Tata Trusts holds a sizeable chunk of the Tata Sons shares... This doesn't amount to charity as defined in the I-T Act," said an official cited above. The thinking behind the 2014 amendment is that trusts engaged in charity should not hold and thus earn from shares of private companies.The July 2019 show-cause notice from I-T department clearly states that trusts created for charitable purposes are being used to control a large business group through Tata Sons, said another person."Clearly, this is not the intention of the trust deed," said the official. "There is a larger concern here on the alleged failure of the fiduciary duties of the trustees who allowed investments in prohibited modes. They have a lot of answering to do. However, this is something the office of the Charity Commissioner has to deal with."Since the current provisions of the I-T Act don't deal with the role of trustees, the department has only elaborated on the role of the trusts, the official said."In the event the ITAT order goes in the department's favour, action in terms of demand notice will be against the trusts and not the trustees," he said.On alleged delayThe department will also argue it acted at the "appropriate time" and that there was no delay on its part."Even the so-called surrendering of the registration by the trusts in 2015 was not voluntary but these trusts were forced to do so after an unfavourable March 2014 order of the ITAT which found them in violation of certain provisions," said another of the persons cited above. "The trusts even went to the Bombay High Court when the next round of notices were issued by the department. However, by late 2018 they withdrew the petition."The department then sought a legal view on the matter. In December 2018, it received a communique from the Comptroller and Auditor General (CAG) seeking an update on the action taken following adverse findings against the trusts."A decision was taken to revisit the case and accordingly a fresh showcause notice was issued in July 2019 and subsequently the registrations were cancelled in October 2019," added the official.Tata Trusts' response"Insofar as cancellation of registration is concerned, the six trusts had themselves surrendered their registrations in March 2015," a spokesperson for the trusts said in an email. "Soon thereafter, the I-T department had issued a show-cause notice proposing to withdraw/cancel the registrations. The trusts have not received any explanation as to why this 2015 notice (to which the trusts had agreed) was not acted upon. The real issue is not the reasons, but when the registration stood cancelled/withdrawn. It is the trusts' case that it happened in 2015 itself."The person said the trust deed had not been violated."Such allegation is based on an argument that the trusts were obliged to maintain their registration under the I-T Act," the spokesperson said. "Such an argument is conceptually wrong because I-T registration is not compulsory for a trust to carry out its charitable work. The trusts do not derive their charitable identity from the I-T Act. Seeking I-T Act registration is an option, not an obligation."Top officials close to the issue said the I-T department has also pointed out that in the last few years 85% of income was not spent on charity as required. This was countered by the trusts' spokesperson."The Tata Trusts' annual spend budget has been at least 85% of the inflow. In recent years, the trusts have, in fact, applied more than the year's inflow as application towards the objects of the trusts," the spokesperson said.

7 money myths you should never believe

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Planning your finances can be akin to negotiating a minefield, of money myths. Over the years, we have systematically busted one myth at a time to make the life of you, the investor, easier. However, the rot of misinformation run so deep that even some personal finance professionals spout fallacies without realising how wrong they are. In this week's cover story, we tackle seven misconceptions about money that if ignored, can jeopardise your finances. From telling you why not all long-term loans are bad to how much of risk you ought to be taking; from looking beyond just the monetary aspect of retirement planning to pointing to the dangers of over dependence on your financial adviser; from hammering home the point that SIPs do not make your investment risk free to why it is not necessary to budget for every paisa; we tackle the harmful myths doing the rounds to ensure a secure future for you.Myth 1: Pay long duration loans firstA common trait among many finance professionals is to recommend paying off of long duration loans quickly to save on interest costs. While on the face of it the logic appears sound, the folly lies in not considering the time value of money. What the financial advisers are doing is equating the interest saved now with interest saved after say a decade.The fallout of such advice is people continue to service high-cost short-term loans like personal loans while prepaying low-cost long duration loans like housing loans. "Instead of paying long duration loans blindly, borrowers must compare the net cost of borrowing— after considering taxes— and repay the most expensive loans," says Rohit Shah, Founder & CEO, Getting You Rich. Tanwir Alam, Founder & CEO, Fincart agrees. "If you consider tax benefits, the real cost of a housing loan will be less than 6% for people in the 30% tax bracket. It is a mistake to repay that and not the personal loans, which cost much more," he says.This argument makes immense sense to home loan borrowers. A home loan of Rs 50 lakh at 8.5% can be made tax efficient by taking the loan in two names—of the husband and wife. Due to tax benefits under Sec 80E and the reasonable cost structure, an education loan is another long duration good loan that borrowers should not rush to repay (see table).Irrespective of tenure, prepay most expensive loans firstEffective cost of different loans 73201024 Should you prepay loans or invest the amount elsewhere? "Consider investment over repayment if the post-tax investment return is higher than the tax adjusted cost of loans," says Alam. Returns of tax-free products like PPF are higher than tax adjusted costs of home or educational loans (see table).If investment returns are higher, let loan run and invest elsewhereEffective return of different investments 73201039 Though equity investments may generate better post-tax returns, they have not been considered as returns are not guaranteedDue to impact of 4% cess, effective slabs now are 20.8% and 31.2%Myth 2: Risk is not for the middle classThis myth warns the middle class to avoid risk at all cost. However, shunning risk now can have serious repercussions in future. This is because this income group has limited resources and will not be able to meet goals by relying on low risk and low yielding debt products alone. In other words, investors from this group must park a part of their portfolio in growth assets like equities that can generate higher returns. "People with limited resources can't afford to ignore equity. Else, inflation will eat into their corpus. The only question is how much this equity allocation should be," says Suresh Sadagopan, Founder, Ladder7 Financial Advisories.On the other hand, high net worth individuals (HNIs) can ignore equities and remain fully invested in debt if they want to, without affecting their goals. Let us assume the higher education goal of two children– one from an HNI family and another from a middle class family. After 20 years both will need a corpus for a two-year course that costs Rs 25 lakh now. If inflation remains at 6% per annum, the required amount will be Rs 80.18 lakh. The HNI family can make an upfront investment of Rs 25 lakh in safe products like debt funds, which can generate a CAGR of 7%. The return will be enough to meet the goal. However, a middle-class family, if it tries to achieve this goal through a safe route, will be forced to invest much more. To accumulate Rs 80.18 lakh after 20 years at 7% return, the family must do a monthly SIP of Rs 15,392. The SIP amount can be Rs 8,105 if the product can generate a return of 12% per annum, which is possible from equities.Middle income investors will find it difficult to reach goals if they avoid investing in equities out of fear.Why HNIs can remain invested in debt alone 73201074 For middle income group cost is much higher 73201079 Taxability ignored for simplicityMyth 3: In the long term, sips are risk freeWhile all finance professionals say SIPs average out investments and thereby reduce risk, some go overboard and try to project SIPs as the weapon to eliminate risk altogether. "SIPs will never able to eliminate risk because it is just a tool and not a product," says Amol Joshi, Founder, PlanRupee Investment Services. Though SIPs can be done for any asset class like equity, debt, gold, etc., most investors use it for equity funds. "Equity returns will never look linear, whether the investment is done through SIPs or one time. A casual look at the last 20-year returns will show a few good, bad and average years," says Alam.Since the returns from a few good years will compensate for the bad years, equity investors end up getting decent historical average returns. However, long term SIP investments can also give negative returns if the stock market remains in a bear grip over a very long time. Despite long term SIPs, returns were negative when the market hit rock bottom between 2001-03 (see chart).SIPs can generate negative returns if stock market goes into a prolonged bear phase 73201092 This is not an attempt to undermine the importance of SIPs. On the contrary, SIPs are an important tool for every investor. Only the myth that SIPs make equity investments risk-free needs to go. In addition to averaging purchases, SIPs are suitable for people who earn regular monthly income as it helps them coincide their earnings with investments.Myth 4: Retirement planning is all about moneyThis myth grew as discussions about retirement planning centred around creating the retirement corpus. While most people underestimate the longevity risk or the risk of surviving long years and exhausting the retirement corpus, creating an adequate corpus that will last till the end is the corner stone of retirement planning. However, retirement planning should also take care of several other issues.Time in hand is the biggest asset (or liability) in retirement, depending on which way you look at it. "Since retired life can stretch to 30-40 years, you need to balance the money part with other activities. Use a part of the free time to revive hobbies, rejuvenate the friends' circle and spend time on social responsibility etc," says Joshi. Sadagopan agrees with him. "We ask clients to treat retirement as a new innings and think about the non-financial aspect too," he says.Managing health related issues is the next big task in retired life. Retirement planning should be split into two parts— the time till you expect to maintain reasonable health and beyond. Retirement planning should also have a clear plan in place for the second stage when you require support. If you are not sure of the support of your children, it is better to identify retirement homes from now itself. What should be the criteria while selecting retirement homes? "While selecting retirement homes, basic facilities like medical care, etc. needs to be fulfilled. However, the final decision should be based on location," says Anil Lobo, India Business Leader – Retirement, Mercer.Myth 5: The family budget needs to be detailedWe tend to avoid seemingly complicated tasks and budgeting is one of them. The myth about must having a detailed budget in place needs to go. Not creating a budget because you can't make a detailed one is foolish. There is nothing to stop you from creating a family budget with broad guidelines. "Budgeting doesn't mean that you have to write down everything. Treat budgeting as a broad framework and split the outflows into three buckets—expenses, repayments and savings," says Joshi. What is there in each bucket will vary depending on life stages and income levels. For example, expenses will be less than 1/3 for families with very high incomes. Similarly, the repayment buckets will be empty for people without any loans.Split your outflow budget into 3 broad categories for better controlFamily budget for outflowsBucket 1: ExpensesBucket 2: RepaymentBucket 3: Savings & investmentsTo identify how much should be in each bucket, identify your broad expenses first. "Identifying expenses is not that difficult and if the husband and wife sit together, they will be able to do it in 15-20 minutes," says Sadagopan. This is because most monthly expenses like electricity bill, telephone bill, etc are paid online and therefore, easy to track. Most groceries and other household expenses are bought using credit cards now and trail is available there too. What they need to discuss and finalise is a budget for discretionary expenses like eating out, movies, etc. and annual expenses like travelling, etc. While budgeting, one also needs to make provisions for random expenses like replacing appliances that may come up during the year.Myth 6: Straying from budget will upset financial plansIf you repeatedly fail to stick to your budget, you will impact your long-term goals. However, budgets are broad guidelines and overshooting every few months is normal. If there is a budget breach, find out from which bucket you have spent excess from. For example, meeting your sudden urge to buy a smartphone by giving up on the annual travel plan is fine. However, there would be a problem if you bought the phone by breaking into investments for critical goals like your kid's education or your retirement planning.A budget breach can also happen because of sudden and necessary expenses. For example, you want to gift a gold chain for your relative's marriage because she did the same for your marriage. You can dip into the emergency fund for situations like this. "The emergency fund is not just for bad things like hospitalisation and loss of job. It can also be used for other necessary expenses that come up suddenly," says Alam. However, make sure you don't touch the emergency fund for expenses that can be postponed, like buying a smartphone.If the emergency fund is not enough, you can also manage immediate cash flow stress by stopping SIPs for a few months and restarting it later. For example, stopping SIPs for a few months will be a much better option than making cash withdrawals from a credit card. However, some people are reluctant to restart a stopped SIP and this behaviour can create problems for long term goals. If you are in this category, you need to make your budgets flexible. "Leave some cushion in the budget itself and don't over commit with your monthly SIP amounts," says Vikram Dalal, Managing Director, Synergee Capital Services.Myth 7: The financial adviser will take care of it allMost investors assume that once they hire an adviser, their financial planning related work is over. What investors should understand is that planning is just the starting point and not the end. "We take clients' input in everything and explain the possible scenarios to them. After that, it is their decision," says Sadagopan. It is also not safe on the part of investors to blindly trust advisers. Investors should always remember the 'caveat emptor' rule. "Investors handing over the logistic part to the adviser is fine, but they need to keep the decision-making part with them," says Shah. Please note that appointing someone as your financial adviser itself is a big decision and you have to do proper due diligence. Even after that, investors need to drive the engagement with the adviser and keep questioning them. As per the Sebi RIA rules, active involvement from the client is compulsory.

Phone? Discount days may not be far off

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NEW DELHI: In a bonanza for consumers, India's top five handset brands are about to clear their online and offline channel inventory with heavy discounts and attractive schemes on smartphones. The inventory has been particularly galling for the offline channel and will continue till March-end in the market analysts said.Xiaomi, Realme and Samsung, which play both in the online and offline space, haven't been able to clear inventory of old models in the October-December quarter while they continue launching new devices, industry watchers said. They added that Vivo and Oppo, who play mainly in the offline segment, also face similar issues but to a lesser extent.Xiaomi and Realme denied facing any inventory pile-up issues. Samsung, Oppo and Vivo did not respond to ET's queries."There have been inventory levels throughout the past few quarters across channels and brands. This inventory is expected to continue to the last quarter," Upasana Joshi, associate research manager, Client Devices, IDC, told ET. She said that inventory issue is a worry round the year with many brands immediately announcing price drops in a months' time after new product launches. "…offline sales will remain muted owing to heavy aggression by online platforms in terms of deep discounting, offers and cashbacks." 73220388 Counterpoint Research's associate director Tarun Pathak said there was an inventory pile up, but the situation was better than last year. "Most of the top five brands were cautious about their sell-in this year and were watching the situation closely," he added.Pathak added that handset brands with good online exposure are better poised to get rid of inventory, but brands with offline inventory will face challenges. "If there are older models that didn't sell well, then they undergo price cuts to get rid of their inventory. The price cut procedure is easier for online brands like Xiaomi and Realme to take and to get rid of the inventory as compared to the ones in offline space," he added.Muralikrishnan B, chief operations officer at Xiaomi India, however said that the brand today has the lowest level of inventory in the last several quarters and in fact, it is trying to further scale up supply and manufacturing to meet demand.Realme India CEO Madhav Sheth too denied any inventory pressure and said that the brand always prepared its stocks based on the consumer demands. "Our previous models were also sold out in a shorter time."IDC's Joshi said that the festive quarter, which accounts for majority shipments in a year, registered highest ever smartphone shipments in third quarter. But the actual sell-out was "quite slow," leading to a further rise in inventory levels in the upcoming quarters of Q4 2019 and Q1 2020. "Thereby the vicious circle continues throughout the year and further transfers to next year beginning as well."Industry executives said that the smartphone ecosystem needs to align itself to clear off these piling inventories by offering attractive channel schemes, especially offline, price drops by brands on older line-up and attractive consumer schemes like cashback offers, No cost EMI, buyback options etc to fill newer stocks in the market."Offline has got more inventory levels since online has stressed offline already. Some of Xiaomi's partners are stressed since the brand launched new devices like Note 8 pro but didn't provide clarity on existing inventory of old models," a senior industry executive familiar with the matter said. "The brand offered discounts on various models, including K20 Pro".The person added that Samsung's inventory issue has become "severe", with a vacuum created by delayed launch of Galaxy A series and the brand couldn't clear existing A series, which helped Chinese brands during the festive season.Samsung has started blacklisting retail partners that are selling its online exclusive devices in the offline space.

Reliance HFC gave Rs 12,000 crore loans to 'indirectly linked' borrowers: Audit

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NEW DELHI: Reliance Home Finance, part of the Anil Ambani-led Reliance Group, granted loans worth about Rs 12,000 crore to a set of "potential indirectly linked" borrowers that had weak financials and shared common features, according to a forensic audit carried out by Grant Thornton, several people aware of the matter said.The forensic auditor found "anomalies" in the credit appraisal process of the home financier and noted that more than 80% of disbursals comprised corporate loans to a group of 47 borrowers that shared these common characteristics, according to these people. This included similar registered addresses, common directors and key management personnel.The company's exposure to corporate loans was purportedly in violation of regulatory guidelines that prescribe limits for non-housing disbursement as per the forensic auditor's findings, said the people cited above.Reliance Home said it had cooperated fully with the investigation and had revealed all information voluntarily.The auditor also found that eight of the 47 were "related parties" of Reliance Group companies Reliance Power and Reliance Infrastructure Ltd prior to disbursal of loans worth Rs 1,300 crore. 73220574 Low Paid-up CapitalJust before the loans were disbursed however, the shareholding pattern of these eight companies changed. The eight were RPL Solar Power, RPL Star Power, RPL Surya Power, RPL Aditya Power, Worldcom Solutions, Hirma Power, Jayankondam Power and Reliance Cleangen.The auditor also found instances where loans granted to the group of 47 borrowers eventually found their way back to Anil Ambani group companies through onward lending, according to these people. Many of these corporate borrowers were incorporated recently and loans were disbursed to them within days or months of their incorporation.The group of 47 borrowers identified by Grant Thornton have to repay around Rs 7,900 crore to Reliance Home Finance, according to the sources. Around Rs 2,700 crore of these loans have already been declared as nonperforming by the home financier.Many of the borrowers have minimal or negative net worth and low paid-up capital. The paid-up capital of the borrowers ranged from Rs 10,000 to Rs 12 lakh, but they were given loans exceeding Rs 100 crore in some cases, as per the people aware of the auditor's findings.The auditor also found that prudential norms were not followed while disbursing loans to the specified group of corporate borrowers that had shared characteristics, these sources said.Transparent Disclosures: Reliance HomeA Reliance Home Finance spokesperson said the company had voluntarily and publicly disclosed this information even before the commencement of the probe to its auditors, regulators, lenders and also in the latest annual financial statements."As can be noticed from your query above mentioning around Rs 12,000 crore disbursed to alleged group entities, only around Rs 7,984 crore (including interest) is outstanding," the spokesperson told ET in an email. "Clearly, a large amount of over Rs 4,000 crore has already been repaid."The company also informed the stock exchanges through a late evening notification on Sunday that "no adverse findings" were reported by Grant Thornton in the forensic audit.The audit was commissioned by a consortium of more than 20 banks led by Bank of Baroda that are owed money by Reliance Home Finance."We have received the final report and have called a lenders' meeting on January 16 to discuss the same," Bank of Baroda executive director Murali Ramaswami told ET. Banks that have loaned money to the home financier have outstanding dues of over Rs 10,000 crore.Grant Thornton declined to comment, citing client confidentiality clauses.Reliance Home Finance further said that the funds disbursed were used for debt servicing of other group companies."The company had also disclosed transparently that the enduse of such group exposure was for their debt servicing. Such disclosure was made even before the commencement of forensic audit, to its auditors, regulators, lenders, and also in the latest annual financial statements which were duly approved by the shareholders," the spokesperson said.The company official further said that Reliance Home Finance had cooperated fully in the investigation. "Observations on regulatory anomalies in the forensic audit had already been reported to the National Housing Board (NHB)," the company's statement read. It also stated that penalties had been imposed by the regulator for these.Lenders plan legal actionThe lenders are now considering legal options based on the findings of the forensic audit though a decision will only be taken on Thursday, according to several people aware of the matter.They are also to decide on the course for resolution of the company's outstanding loans. The options being considered by banks include plans to find an investor to infuse capital in the company or taking it to the National Company Law Tribunal (NCLT). The second option will require a regulatory nod.Reliance Home Finance's credit rating was downgraded to 'D' or default status by CARE Ratings in September. The company, which held an initial public offering (IPO) two years ago, informed the stock exchanges in June that auditors Price Waterhouse & Co. had resigned prematurely citing certain "observations/transactions" that if not resolved satisfactorily could be "significant or material" to the financial statements of the company.The company had said in its defence that it disagreed with "the reasons given by PwC for their resignation." The auditor had declared that it didn't receive information sought on the transactions and asserted that an audit committee meeting was not convened in time to address its queries despite repeated requests.Subsequently Dhiraj & Dheeraj, appointed by Reliance Home Finance to replace PwC, issued a qualified opinion on the company's financial statements for the year ended March 2019 and noted that it had found "significant deviations" in the corporate loan book of the company. It also noted that there had been a material shift in business from housing finance to non-housing finance.

ITAT hearing on Trusts’ appeal likely in February: I-T Dept may argue 6 Tata Trusts owning shares in cos wrong

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MUMBAI: The income tax (IT) department will likely tell the income tax appellate tribunal (ITAT) that six Tata Trusts wrongfully invested in shares of private companies and acted in breach of the object and purpose specified in their respective trust deeds, said people with knowledge of the matter. The appeal by the trusts against the department, which cancelled their registrations in October last year, is likely to be heard next month.The trusts will argue that they were not in violation of the trust deed and had themselves surrendered their registrations in March 2015, said people aware of the matter. Soon after this, the I-T department had issued a showcause notice (SCN) proposing to cancel registrations. The trusts had agreed. The trust sources said this showcause notice was never acted upon by the tax department.The I-T department's case is strong in law, countered an official. "The law very clearly states that a registration cannot be surrendered — it has to be cancelled," he said.The six entities are the Jamsetji Tata Trust, RD Tata Trust, Tata Education Trust, Tata Social Welfare Trust, Sarvajanik Seva Trust and Navajbai Ratan Tata Trust. They together hold 39,000 shares of Tata Sons, said one of the persons cited above.73220507 Concerns Over Trustees' RoleWhile the Tata Trusts as a whole owns 66% of Tata Sons, the six entities have less than 10%. The main shareholding trusts are the Sir Dorabji Tata Trust and the Sir Ratan Tata Trust which are not parties to this case.Section 11(5) of the I-T Act covers investments or deposits by a trust that has sought exemption under the act, said an official. Section 13(1)(d), which was amended in 2014, clearly states that one of the conditions attached to I-T Act registration is that a trust can't own shares of a company, unless it held them as of June 1, 1973. "The said sections prohibit holding of shares of a company. However, the Tata Trusts holds a sizeable chunk of the Tata Sons shares... This doesn't amount to charity as defined in the I-T Act," said an official cited above. The thinking behind the 2014 amendment is that trusts engaged in charity should not hold and thus earn from shares of private companies.The July 2019 show-cause notice from I-T department clearly states that trusts created for charitable purposes are being used to control a large business group through Tata Sons, said another person."Clearly, this is not the intention of the trust deed," said the official. "There is a larger concern here on the alleged failure of the fiduciary duties of the trustees who allowed investments in prohibited modes. They have a lot of answering to do. However, this is something the office of the Charity Commissioner has to deal with."Since the current provisions of the I-T Act don't deal with the role of trustees, the department has only elaborated on the role of the trusts, the official said."In the event the ITAT order goes in the department's favour, action in terms of demand notice will be against the trusts and not the trustees," he said.On alleged delayThe department will also argue it acted at the "appropriate time" and that there was no delay on its part."Even the so-called surrendering of the registration by the trusts in 2015 was not voluntary but these trusts were forced to do so after an unfavourable March 2014 order of the ITAT which found them in violation of certain provisions," said another of the persons cited above. "The trusts even went to the Bombay High Court when the next round of notices were issued by the department. However, by late 2018 they withdrew the petition."The department then sought a legal view on the matter. In December 2018, it received a communique from the Comptroller and Auditor General (CAG) seeking an update on the action taken following adverse findings against the trusts."A decision was taken to revisit the case and accordingly a fresh showcause notice was issued in July 2019 and subsequently the registrations were cancelled in October 2019," added the official.Tata Trusts' response"Insofar as cancellation of registration is concerned, the six trusts had themselves surrendered their registrations in March 2015," a spokesperson for the trusts said in an email. "Soon thereafter, the I-T department had issued a show-cause notice proposing to withdraw/cancel the registrations. The trusts have not received any explanation as to why this 2015 notice (to which the trusts had agreed) was not acted upon. The real issue is not the reasons, but when the registration stood cancelled/withdrawn. It is the trusts' case that it happened in 2015 itself."The person said the trust deed had not been violated."Such allegation is based on an argument that the trusts were obliged to maintain their registration under the I-T Act," the spokesperson said. "Such an argument is conceptually wrong because I-T registration is not compulsory for a trust to carry out its charitable work. The trusts do not derive their charitable identity from the I-T Act. Seeking I-T Act registration is an option, not an obligation."Top officials close to the issue said the I-T department has also pointed out that in the last few years 85% of income was not spent on charity as required. This was countered by the trusts' spokesperson."The Tata Trusts' annual spend budget has been at least 85% of the inflow. In recent years, the trusts have, in fact, applied more than the year's inflow as application towards the objects of the trusts," the spokesperson said.

View: Technical setup suggests smallcap & midcap rally ahead

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BY SANDEEP PORWAL TECHNICAL AND DERIVATIVES ANALYST, ASHIKA STOCK BROKINGWhere we are: The last couple of weeks remained action-packed as market participants saw an unusual rise in volatility. Yet again, the level of 12000 acted as a strong support. Despite a sharp fall, the index managed a close above the key level and traded higher. The short-lived pullback followed by a sharp rally indicates a tussle between the bulls and the bears. Nifty PSU Bank and Nifty Energy were key underperformers in the week gone by while Nifty Realty bucked the downtrend and topped the charts. In this phase of uncertainty traders/investors lapped up small-cap stocks too; this index had shown relative strength in the week gone by.What is in store? The level of 12300 continues to remain a strong resistance as multiple attempts by bulls to surpass it failed for the last four weeks. However, sharp reversal from the intermediate lows indicates bias turned bullish; in the event of a close above the 12300-12350, we are likely to see an extension of a rally. Nifty Bank is trading above its 20 & 50 DMA, which are placed at 32070 & 31540, respectively. Thus, expect a follow-up buying up to the level of 32610 in the coming trading sessions.What could investors do? The technical setup suggests that long-awaited small and midcap rally may take place. Thus, one can look to add quality stocks from the respective space. We recommend the addition of longs in M&M, Exide, Apollo Tyres and Shoppers Stop while sell on the rise is advised in RIL.

D-Mart on course to being cash surplus, how it spends will be key

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ET Intelligence Group: Improving cash profits and a weak property market are twin tailwinds for Avenue Supermarts to step up its expansion plans.The operator of the D'Mart chain has been increasing its store count by 20-25 every year, but with increasing base and higher number of stores reaching maturity, the company will need to intensify its rate of store addition.In the first nine months of FY20, it added 20 stores taking its total count to 196 at the end of 2019 and the last quarter is usually the quarter where it adds maximum stores. In the previous fiscal, it added only nine stores in the first nine months and 12 in the last quarter. To sustain a high growth run rate, stores would have to be added faster. Most of the stores are owned by the company. The promoter recently bought an 8.8-acre land parcel for 500 crore in Borivali, a suburb in Mumbai.In the December quarter, it reported year-on-year revenue growth of 24.4 per cent and operating profit growth of 33 per cent to Rs 6,809 crore and Rs 597 crore respectively. This was in line with broad expectations. Operating profit margins jumped 600 basis points to 8.8 per cent, marginally below estimates. But thanks to the downward revision in the corporate tax rates,its net profit grew by 55.4 per cent to Rs 384 crore,. Adjusting for depreciation, the retailer made Rs 480-crore cash profit in the quarter. 73220767 At this rate, the company may have a significant cash balance by the end of FY20, with negligible or no net debt. It will be interesting to see how the company will utilise this cash. Keeping high cash on the balance sheet may lower the return on equity ratio and impact the valuation multiples.At the current price of Rs 1,877, the stock is trading at 85 times annualised earnings. The high valuations factor in the current rate of growth and the stock may consolidate at present levels.

House Panel wants a fix to social media’s porn problem

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BENGALURU: A Parliamentary committee formed to study the prevalence of adult pornography and child abuse videos on social media platforms in India has questioned microblogging platform Twitter and tech giant Google, and has sought answers on how they will curb children's access to such content.The committee, headed by Congress Party leader and Rajya Sabha member Jairam Ramesh, is studying the 'alarming issue' of pornography on social media and its effect on children and society.The panel, formed in December, has so far met with representatives of Facebook, TikTok, Twitter, Google and ShareChat. Last week, the panel members asked Twitter about its policy allowing pornography on its platform, according to two sources. However, Twitter clarified that its policy allows only consensually shot pornography and does not permit revenge pornography or child abuse material.The panel also asked Google what it was doing to limit discovery of pornography on its search engine and video platform YouTube, according to a source. Google is believed to have replied that login details were required to discover adult content on YouTube.According to YouTube's policy, content creators can age-restrict videos. So, for example, when a video is age-restricted, viewers must be signed in and be of 18 years of age or older to view it. Twitter suggested to the committee that the industry and government should take a "constructive" approach to educate teenagers on how to make their online experience pleasant, positive and safe, according to the source. Share-Chat, which also made its submissions before the panel, called for regulations to provide contractual protection to the digital interactions of young adults and said India could look at a framework such as the Children's Online Privacy Protection Act (COPPA) framed by the US, according to another source.The panel will present a report with a set of suggestions on legislative and regulatory changes. To be sure, viewing of pornographic content is not illegal in India. A Twitter spokesperson told ET that the platform had a zero-tolerance policy for child sexual exploitation but did not answer a question on the panel's concern about adult pornography and its access to children. Google and ShareChat declined to comment. Twitter's policy towards nudity and pornography is known to be far more liberal than other platforms.Its latest policy states that users can share consented adult content within their Tweets, provided they mark this media as sensitive. However, users cannot include adult content within areas that are highly visible on Twitter, including live video, profile or header images.On the other hand, Instagram and Facebook do not allow 'nudity' of any kind except photos of post-mastectomy scarring and women actively breastfeeding.

A reprieve for the Government

Posted: 12 Jan 2020 05:34 PM PST



Source: FPJ

361 elephants dead in Sri Lanka in 2019

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FIR registered after police exam candidates create ruckus at Bihar railway station

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Source: FPJ

$110m earthquake damage in Puerto Rico

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Mumbai: Rural women turning digitally literate

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Source: FPJ

Mumbai: Heads of BMC panels to get luxury cars

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China commissions 1st fourth generation destroyer

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Source: FPJ

China blames dirty tactics for Tsai's Taiwan poll win

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Source: FPJ

Indiabulls exits three realty projects of investee firms - economic news of india - world economic news - economics news for students - indian economy news

Posted: 12 Jan 2020 05:32 PM PST

Indiabulls exits three realty projects of investee firms
MUMBAI: Mortgage lender Indiabulls Housing Finance has exited three realty projects of its investee companies across Mumbai, the National Capital Region (NCR) and Hyderabad, worth nearly Rs 450 crore, said two persons with direct knowledge of the development.In the largest of these three transactions, realty developer M3M has repaid Rs 225 crore to the lender after raising funds from the State Bank of India for its residential development project M3M Golf Estate in Gurgaon. The project is spread over 56 acres and includes an executive golf course.Mumbai-based realty developer Mohan Group has also repaid Rs 110 crore to the housing finance company. The developer raised the funds from Axis Bank for two residential development projects - Mohan Nano Estates in Ambernath and Mohan Altezza in Kalyan.73220201 Both the projects put together have nearly 1,900 flats with 1.3 million sq ft space. The projects have achieved 80% completion and have received Occupation Certificate (OC) for completed towers.Hyderabad-based GSM Mega Infrastructure raised Rs 102 crore from Karnataka Bank against its premium retail property GSM Mall. The operational retail project at Hyderabad's Kukatpally has total 4.40 lakh sq ft of leasable space and is completely leased out to key anchor tenants like INOX, Central, Reliance Trends and Pantaloons. The funds raised through this exercise have been utilised to repay dues of Indiabulls Housing Finance.Last month, Noida-based real estate developer Logix Group raised Rs 540 crore from IndusInd Bank through a lease rental discounting (LRD) transaction on two of its commercial office space projects. The funds raised through this exercise were also to be utilised to provide an exit to Indiabulls Housing Finance.Over the last few months, Indiabulls Housing Finance has exited from several of its large loans for projects such as One BKC in Mumbai, Vatika Mindscapes in New Delhi, RMZ Centennial and Nxt in Bengaluru, and Chennai's Ozone TechnoPark.M3M confirmed the debt repayment to Indiabulls Housing Finance stating that the new funds have been raised at around 11%, while the earlier loan was at 14% interest rate. "With this, we have repaid total 60% of Indiabulls' loan to M3M. We will soon be providing them complete exit aided by sales proceeds as sales from delivered projects is good," said Pankaj Bansal, director, M3M Group.ET's separate email queries to State Bank of India, Axis Bank, Karnataka Bank, Mohan Group, GSM Mega Infrastructure and Indiabulls Housing remained unanswered till time of going to press.Late in December, CCI Projects sold its 8.8-acre parcel, part of total 22 acre plot, close to the Sanjay Gandhi National Park in Mumbai's Borivali suburb to DMart founder Radhakishan Damani for over Rs 500 crore. The associate company of Cable Corporation of India will use funds from this sale to pay the Rs 360 crore it owes to Indiabulls Housing Finance. The funds remaining after payment to Indiabulls Housing Finance will be used to complete the proposed project.Since the onset of the liquidity squeeze for the financial sector following default by non-bank infrastructure financier IL&FS in September 2018, real estate developers' ability to raise finance has been impacted.The non-banking finance companies and housing finance companies which used to drive the real estate sector's funding transactions have since shied away from the sector.However, for a few banks and other financiers, this has turned out to be an opportunity to cherry-pick loans with robust collateral and demonstrated cash flows or sales velocity, and which offer attractive reward for risk.Large banks have recognised an opportunity to capitalise on a slow real estate market, whilst simultaneously also giving the sector a much needed boost. The country's largest lender, State Bank of India, has for instance introduced a new "Residential Builder Finance with Buyer Guarantee Scheme".Other banks too are looking to refinance quality projects or offer attractive schemes for prospective home buyers.In addition to a boost in residential sales, such schemes will also instil greater confidence in home buyers.
Source: ET

Happy Lohri 2020: Whatsapp Wishes, Images, Status, Quotes, Messages, Greetings, Wallpapers, Photos

Posted: 12 Jan 2020 05:22 PM PST

Happy Lohri 2020: Whatsapp Wishes, Images, Status, Quotes, Messages, Greetings, Wallpapers, Photos


Source: TIE

Mumbai: Semi-naming, branding rights to fetch big business

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Source: FPJ

Australian Prime Minister admits to mistakes in handling bushfires

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Source: FPJ

Internet lockdowns are a blot on India

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Ukraine jet shot down, Iran braces for protests

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Source: FPJ

Publisher evicted from Chennai book fair for anti-govt book, arrested

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Source: FPJ

Four rockets hit Iraq airbase hosting US troops

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Source: FPJ

JNU VC Jagadesh Kumar mastermind behind January 5 attack: Congress panel

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Mumbai: Man seeks Rs 1.5 crore from mom for abandoning him 38 yrs ago

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Source: FPJ

JNU Violence: Raise slogans, will burn you alive; Raghuraaj Singh

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Source: FPJ

Severe storms sweep southern US, killing 11

Posted: 12 Jan 2020 04:34 PM PST



Source: FPJ
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