Monday, 30 January 2017
Editorial #19
Tuesday, 24 January 2017
Cloze test #05
IBPS SO ( Marketing ) Previous Paper
Around the world, companies that have achieved international leadership employ strategies that (1) from each other in every respect. But, when every successful company will employ its own particular strategy , the (2) mode of operation - the character and trajectory of all successful companies - is fundamentally the same companies (3) competitive advantage through acts of innovation . they approach innovation in its broadest sense, including new technologies and new way of dong things. They perceive a new basis for competing or better means to compete in old ways. Innovation can be (4) in a new product design , a new pro-ducting process, a new marketing approx or a new way of conducting training. Much innovation is mundane and incremental, depending more on accumulation of smal insights and advances (5) on a single, major technological breakthrough. It often involves ideas that are even 'new' idea, that have been (6) but never vigorously pursued . it always involves investments in skill and knowledge , as well as in physical assets and brand reputation .
some innovation creates competitive advantage by perceiving and entirely new market opportunity or by serving a market segment that others have (7) . When competitors are slow to respond , such innovation (8) competitive advantage . For instance , in industries such as autos and home electronics , Japanese companies (9) their and initial advantage by (10) on smaller , more compact , lower-capacity models that foreign competitors, declared as less profitable , less important and less attractive.
OPTIONS
- offer प्रस्ताव differ अलग after बाद contrast विरोध vary भिन्न
- underlying आधारभूत basis आधार prima मुख्य element तत्व routed कराई
- compete प्रतिस्पर्धा work काम follow पालन करना achive हासिल dispatch प्रेषण
- obviously जाहिर है manifested व्यक्त attached जुड़ा हुआ attested अभिप्रमाणित noticeable ध्यान देने योग्य
- there वहां the that उस therefore इसलिए than से
- excited उत्साहित over ऊपर around चारो ओर all सब universally सार्वभौमिक
- divergentविभिन्न noticed गौर ignored अवहेलना करना shut बन्द detoured चक्कर
- profits मुनाफा yields पैदावार felicitates सम्मानित turns on चालू करे return वापसी
- strengthens मजबूत proceed बढ़ना allowed अनुमति gained प्राप्त की prove साबित करना
- heading शिर्षक indicating यह दरसाता है touching मार्मिक focusing ध्यान केंद्रित emphasizing पर बल
ANSWERS
- Differ
- Underlying
- Achieve
- Manifested
- Than
- Around
- Ignored
- Yields
- Gained
- Focusing.
Sunday, 22 January 2017
Editorial #17
THE HINDU EDITORIAL
To gain some perspective परिप्रेक्ष्य on the Center's decision to divest ले लेना 25% of its stake in five public sector general insurers, consider these numbers. Last year, the gross premium income of four of these companies — New India Assurance, United India Insurance, Oriental Insurance and National Insurance — increased by over 12%. But their profits after tax fell by more than half from a year earlier, from ₹3,094 crore in 2014-15 to just ₹1,499 crore in 2015-16. A closer scrutiny समीक्षा reveals पता चलना that high underwriting losses, which increased 55% in the year, were largely responsible for profits falling at these firms even as revenues राजस्व rose. National Insurance took the sharpest hit, with a 148% rise in underwriting losses. Public shareholding in these firms will lead to questions about such outliers गैर in performance that haven’t been heard under the Center's present 100% ownership structure, at least in the public domain. This, as Finance Minister Arun Jaitley said in his Budget speech last year, would lead to greater transparency and accountability जवाबदेही . It will also allow the firms, including General Insurance Corporation of India, to raise more capital from the markets instead of relying on taxpayer money alone. For instance उदाहरण , India’s ₹1,500-crore nuclear liability insurance pool created by GIC with other insurers perhaps needs more muscle to create confidence among wary nuclear suppliers.
That it took 11 months for a Budget announcement to secure ‘in-principle’ Cabinet approval is symptomatic प्रतीक of the lethargy सुस्ती in the disinvestment programme. Prime Minister Narendra Modi had asserted early in his term — during his maiden प्रथम official visit to the U.S. in 2014 — that government had no business being in business. Yet, it took two more years for the Cabinet to sign off on the first strategic sale (with transfer of ownership and control) under its watch, in the loss-making Bharat Pumps and Compressors. In December, it approved the sale of land with four sick public sector pharma firms with a plan to close two, and ‘explore the option’ of strategic sale for Hindustan Antibiotics and Bengal Chemicals. This month, stock exchanges were informed about a proposal to sell a 26% stake in heavy equipment-maker BEML to a strategic investor. The political economy window for such divestment is not unlimited. Even the Atal Bihari Vajpayee regime शासन , which spearheaded जुट the strategic sale of public sector firms engaged व्यस्त in businesses ranging लेकर from bread to phosphates, raised 84% of such revenue during its third and fourth years in office. Halfway through its term, it is time this government’s disinvestment plans gather steam.
VOCABULARY
- Perspective परिप्रेक्ष्य
- Divest ले लेना
- Scrutiny समीक्षा
- Reveals पता चलना
- Revenues राजस्व
- Outliers गैर
- Accountability जवाबदेही
- Instance उदाहरण
- Symptomatic प्रतीक
- Lethargy सुस्ती
- Maiden प्रथम
- Regime शासन
- Spearheaded जुट
- Engaged व्यस्त
- Ranging लेकर
Saturday, 21 January 2017
Editorial #16
THE HINDU EDITORIAL
The world has turned the page on 2016 with the worrying revelation that it was the warmest year on the instrumental सहायक record since the late 19th century, and the hottest of three record-breaking years in a row. While the rise in global average surface temperature by about 1.1º C last year over the pre-industrial era was aggravated तेज by the El Nino phenomenon घटना of 2015-16, the trend is a warning to all countries that they cannot afford to rely भरोसा करना on carbon-intensive growth any longer. Explaining the scientific view, NASA’s Goddard Institute for Space Studies points to the rise in temperature as being driven “largely by increased carbon dioxide and other human-made emissions उत्सर्जन into the atmosphere.” The warming pattern must be seen in the context of declining sea ice cover in the Arctic, compounding the loss of ice sheets in Greenland and the Antarctic. In the Arctic, which is witnessing a decline in the extent of sea ice in the lowest month at the rate of about 13% every decade, melting creates a vicious circle of more exposure अनावरण of ‘dark areas’ to sunlight, higher melting and more dark surface absorbing heat. Such phenomena accelerate the rate of global warming, with consequences परिणामी through climate change for coastal तटीय areas, access to water, farming and human health.
A warming globe with changes to the climate in the form of altered rainfall, drought, floods, lost biodiversity जैव विविधता and reduced crop yields पैदावार would particularly affect millions in China and India. It is heartening ख़ुशी की बात that Chinese President Xi Jinping asserted the importance of the Paris Agreement on climate change at the Davos meeting of the World Economic Forum, and virtually वास्तव में cautioned incoming U.S. President Donald Trump against reneging इनकार on it. India’s own commitment to the climate accord समझौता must be strengthened with clear and unambiguous स्पस्ट actions. This should lead to a scaling up of renewable energy and measurable decline in use of fossil जीवाश्म fuels. Union Power Minister Piyush Goyal has promised a steady increase in solar power capacity, going beyond the target of 100 gigawatts by 2022, but such goals become more credible विस्वसनीय when there is action in individual States to make the average citizen a partner in the effort. States should be ranked on their policies that help unlock investment in the sector, including domestic rooftop installations, and the weak service infrastructure for solar should be upgraded उन्नत without delay. India’s water stress is heightened by extreme weather episodes, and this requires an enhanced बढ़ावा policy response to protect farmers, livestock पशु and vulnerable चपेट में communities.
VOCABULARY
- Instrumental सहायक
- Aggravated तेज
- Phenomenon घटना
- Rely भरोसा करना
- Emissions उत्सर्जन
- Exposure अनावरण
- Consequences परिणामी
- Coastal तटीय
- Biodiversity जैव विविधता
- Yields पैदावार
- Heartening ख़ुशी की बात
- Virtually वास्तव में
- Reneging इनकार
- Accord समझौता
- Unambiguous स्पस्ट
- Fossil जीवाश्म
- Credible विस्वसनीय
- Upgraded उन्नत
- Enhanced बढ़ावा
- Livestock पशु
- Vulnerable चपेट में
Cloze test #04
RBI ASSISTANT (MAIN)
A shepherd-boy, who (1) a flock of sheep near a village, brought out the villagers many time by (2) out "Wolf! Wolf!" and when his neighbors came to help him (3) at them for their pains. He did this on a regular basis just to (4) cheep thrills from the activity. No (5) how much the villagers tried to (6) him to cease the activity, he would not stop doing it. The Wolf, whoever, did (7) come at last. The shepherd-boy now really (8) , shouted in an agony of terror . " Pray, do come and help me , the Wolf is killing the sheep !. But no one paid may (9) to his cries nor (10) any assistance . The wolf, having no cause for fear, at his leisure, lacerated and destroyed the whole frock.
OPTIONS
- caught पकड़े गए looked देखा watched देखा guard रक्षक mingled मिलावटी
- saying कह रही talking बात कहना loudly जोर जोर से shout चिल्लाना crying रोना
- giggle खीस amused खुश laughed सहना cheered ख़ुशी threw फेंक दिया
- mention उल्लेख deceive धोखा देना getting मिल रहा है derive निकले जाते है obtained प्राप्त
- much बहुत matter मामला doubt सन्देह way मार्ग problem मुसीबत
- commence आरम्भ understand समझना talk बातचीत told बोला था say कहना
- finally आखिरकार actual वास्तविक had था truly वास्तव में reality वास्तविकता
- alarmed चिंतित frighten डराना enjoying मज़ा curious जिज्ञासु
- feared आशंका money पैसे distance दुरी heed सावधान रहना attentive सावधान observation अवलोकन
- passed बीतने के send भेजना favored इष्ट call पुकारना rendered प्रदान की गयी है
ANSWERS
- Watched
- Crying
- Laughed
- Derive
- matter
- Talk
- Truly
- Alarmed
- Heed
- Rendered
Thursday, 19 January 2017
Editorial #15
THE HINDU EDITORIAL
Prime Minister Theresa May’s speech on her government’s plans for Britain’s exit from the EU was many things at once — a declaration of intent इरादा, a warning, a motivational talk and a balancing act with several contradictions वीरोदभाषओं . She painted the first stroke आघात on the negotiation मोल भाव canvas: Britain had chosen a “hard Brexit”. It would leave the single market and with it gain more control over its borders and its laws, some of which are currently under the oversight निरिक्षण of the European Courts of Justice. This, Ms. May said, is what the people had chosen. At the same time, the U.K. would seek to negotiate खरीद फरोख्त a deal that would give it as much access to the single market without being a part of it. It would seek a modified customs union membership to be able to negotiate its own trade treaties संधियों with non-EU countries, and build what the Prime Minister called a “truly global Britain”. This vision had been built up by Ms. May since the June 2016 referendum जनमत संग्रह , and her speech reiterated बात को दोहराना it was the alternative, and better, future that awaited Britain. The Prime Minister pushed and pulled at the EU, with praise and warning. Ms. May spoke of her country’s good intentions इरादों for the continent and her optimism आशावाद for a good deal with Europe, but said she would accept a no-deal over a bad one. She warned that it would be “calamitously आपत्तिजनक ” harmful to Europe if it penalized सजा the U.K. for leaving. She spoke of wanting to strike a trade deal with the EU but hinted that if it did not get a good deal the U.K. had the rest of the world to trade with, and the option to offer tax incentives to attract “the best companies and the biggest investors”.
Ms. May, who was herself a “Remainer बचना ”, is trying to make the most of the referendum results for the U.K., and this is her job. It is in this context that her speech must be seen. Neither the British government nor those who supported the move to leave the EU should harbour any illusions भ्रम that some of the goals outlined in the speech will be difficult to achieve. The EU, which according to recent data accounts for approximately half the U.K.’s imports and exports, is likely to be overwhelmingly घने important to it after the exit. It is not just the EU that will experience great harm from a bad deal. Trade deals with non-EU countries such as India are likely to involve greater movement of people across borders and this is bound to raise difficult immigration आप्रवासन issues again. The Scottish Parliament has now reiterated its resolve to discuss with Downing Street Scotland’s continuation विस्तार in the single market, and a second referendum for Scottish independence is now more likely. Nobody said it would be easy.
VOCABULARY
- intent इरादा
- contradictions विरोदाभासों
- stroke आघात
- negotiation मोल भाव
- oversight निरिक्षण
- negotiate खरीद फरोख्त
- treaties संधियों
- referendum जनमत संग्रह
- reiterated बात को दोहराना
- intentions इरादों
- optimism आशावाद
- calamitously आपत्तिजनक
- penalized सजा
- Remainer बचना
- illusions भ्रम
- overwhelmingly घने
- immigration आप्रवासन
- continuation विस्तार
VOCABULARY
- intent इरादा
- contradictions विरोदाभासों
- stroke आघात
- negotiation मोल भाव
- oversight निरिक्षण
- negotiate खरीद फरोख्त
- treaties संधियों
- referendum जनमत संग्रह
- reiterated बात को दोहराना
- intentions इरादों
- optimism आशावाद
- calamitously आपत्तिजनक
- penalized सजा
- Remainer बचना
- illusions भ्रम
- overwhelmingly घने
- immigration आप्रवासन
- continuation विस्तार
Wednesday, 18 January 2017
Editorial #14
THE HINDU EDITORIAL
The Goods and Services Tax Council has made some breakthroughs on outstanding negotiable that were holding up the introduction of the indirect tax regime. A compromise समझोता has been reached between the Centre and the States on the formula for administrative control over taxpayers under the GST, which will subsume नियम के अंतर्गत myriad असंख्य existing State and Central levies on commercial activity. By giving up on its formula to split विभाजित करे such control by assuming the authority to levy GST on all services entities and manufacturing firms with 1.5 crore or more annual turnover, the Centre has shown a willingness to meet the States more than halfway. The new control-sharing system appears simpler to administer. Now, 90 per cent of all GST assesses निर्धारितयों with a turnover of up to 1.5 crore will come under the watch of the States and 10 per cent under that of the Centre, with both getting to assess half of the firms with a turnover over 1.5 crore. More important, it gives States, many of which had claimed at recent GST Council meetings revenue राजस्व losses following the demonetisation of currency notes, the leeway to claim that they have struck a better deal with the Centre on a reform that is now inevitable.
With the Centre finally laying to rest its hopes of an April 1, 2017 rollout and eyeing a ‘more realistic यथार्थवादी ’ July 1 date, it has some room to tinker with a few indirect taxes in the Budget to provide a short-term pre-GST stimulus प्रोत्साहन to the economy that is facing a flurry घबराहट of growth downgrade अधोगति projections. Since the trickiest issues between the Centre and the States are now resolved and only legislative drafts remain to be approved when the Council meets next on February 18, it is an opportune time to address some of the concerns raised by another key stakeholder — industry. Firms have indicated they would need about six months to gear up for the new tax regime once the laws, rules and all the minutiae of implementation, including the rates for different products and services, are known. More clarity and finesse are also needed on the harsh penal provisions, including the power to arrest, proposed in the draft GST law (that lists out 21 offences अपराधी ) and the creation of an anti-profiteering authority that can act against firms that fail to pass on benefits of tax rate cuts to consumers. While it is important to protect the consumer, a clear rule-based framework is necessary to ensure that one of the biggest gains envisaged परिकल्पित from GST — an exponential घातीय change in ease of doing business — isn’t scuttled विफल by fears of a return to inspector raj. For a government committed to ending tax terrorism, taking a step back to meticulously पूरी बारीकी से review the possible gaps between intent and implementation may be worthwhile — even if it means delaying the launch by a few fortnights.
VOCABULARY
- Compromise समझोता
- Subsume नियम के अंतर्गत
- Myriad असंख्य
- Split विभाजित करे
- Assesses निर्धारितयों
- Revenue राजस्व
- Realistic यथार्थवादी
- Stimulus प्रोत्साहन
- Flurry घबराहट
- Downgrade अधोगति
- Offences अपराधी
- Envisaged परिकल्पित
- Exponential घातीय
- Scuttled विफल
- Meticulously पूरी बारीकी से
Tuesday, 17 January 2017
Editorial #13
THE HINDU EDITORIAL
Navjot Singh Sidhu might now describe himself as a “born Congressman” and his joining the Congress as “homecoming”, but he is without doubt driven more by personal ambition महत्वकांशा than by ideological विचारधारा fervour जोश . After quitting the Bharatiya Janata Party, a constituent घटक of the ruling combine in Punjab led by the Shiromani Akali Dal, Mr. Sidhu explored virtually वास्तव में every political option — floating a new outfit and joining the Aam Aadmi Party — before finally teaming up with the Congress, which was until recently his main rival. He left the BJP and resigned as a Member of Parliament saying he was being asked to stay away from his home State of Punjab by the party leadership. But it was not as if he has been spending a lot of his time since then in Punjab. The cricketer-turned-politician is a television personality as well, and his professional commitments प्रतिबद्धताओं have taken him elsewhere for much of the last few months. No matter how he tries to present his switch of political loyalties वफादारी , Mr. Sidhu will have a credibility साख issue tagging him right through his campaign अभियान in Punjab. He has been less than entirely honest about his reasons for leaving the BJP, his brief interlude अंतराल with the AAP, and his new-found love for the Congress. So, instead of harping on peeves such as the treatment he received in the BJP, when he was asked to vacate his Amritsar Lok Sabha seat for Arun Jaitley, Mr. Sidhu may opt to play to his strengths as a star campaigner आंदोलन का सदस्य than portray himself as an administrator-in-waiting.
Mr. Sidhu has his uses as a public speaker to the Congress, but he will be unwilling to limit his role to punchlines and throwaway insults. The AAP did not want to promise to make him its chief ministerial candidate, and similarly the Congress seems to publicly commit प्रतिबद्ध on giving him the post of deputy chief minister (the chief minister’s post is non-negotiable given Captain Amarinder Singh’s status within the party). For a man of his ambitions, Mr. Sidhu could well find himself running too often into conflicts संघर्ष within the Congress, which is never short of regional satraps and middle-rung leaders aspiring to climb to the top. What he brings to the table as a campaigner will be a huge plus for the Congress, but it remains to be seen how big a bite he will want of the post-election pie. But for Mr. Sidhu, as for the Congress, the first task is to get the better of the SAD-BJP combine by capitalizing on the anti-incumbency पदग्राही sentiment, and highlighting the agrarian crisis and the drug menace enveloping the State. The post-election fight can wait.
VOCABULARY
- Ambition महत्वकांशा
- Ideological विचारधारा
- Fervour जोश
- Constituent घटक
- Virtually वास्तव में
- Commitments प्रतिबद्धताओं
- Ioyalties वफादारी
- Credibility साख
- Campaign अभियान
- Interlude अंतराल
- Campaigner आंदोलन का सदस्य
- Commit प्रतिबद्ध
- Conflicts संघर्ष
- Incumbency पदग्राही
Cloze test #03
INDIAN BANK PO (PGDBF) PT
Fidel Castro , who led the Cuban revolution and transformed the tiny Caribbean island into a poster-child of the global left, was the last representative of an ea shaped by the Cold War. His (1) of the US for over six decades and radical postures in support of national liberation (2) in Latin America , Africa and Asia had turned him into a Third icon. He was no Pol Pot or Kim II Sung, but Castro's record in (3) dissent and free speech , (4) against sexual minorities , was different from that of many Third World despots. Cuba, after revolution , suffered from the many ailments that (5) communist dictatorship of the twentieth century.
OPTIONS
- audacity धृष्टता contempt अपमान करना defiance ललकारना regard सम्म्मान respect आदर करना
- struggle संघर्ष encounter मुठभेड़ strife कलह tussle खींचतान surrender आत्मसमर्पण
- annihilating मिटा देना extinguishing शमन releasing रिहा encouraging उत्साहजनक suppressing दबा
- hatred घ्रणा discrimination भेदभाव stupidity सहनसीलता indifference उदासीनता
- indicates इंगित करना features विशेषताएं outlines रुपरेखा characterised विशेषता informs बताना
ANSWERS
- Defiance
- Struggle
- Suppressing
- Discrimination
- Characterised
Monday, 16 January 2017
Editorial #012
THE HINDU EDITORIAL
The boat disaster in the Ganga on Makar Sankranti day that killed at least 24 people is another reminder that safety in public transport remains a low priority for governments. As with road accidents, mishaps दुर्घटनाओं in the inland waterways and lakes take a terrible भयानक toll छती of lives regularly, with no effective administrative response. In the Ganga Diara tragedy near Patna, a large number of people had apparently जाहिर तोर पर crammed ऐठन themselves into a small vessel पतीला for a free ride after witnessing a kite festival. The relief offered to the kin of the dead and injured both by the Centre and the Bihar government should not, however, obscure अस्पष्ट the fact that the loss of life was entirely the result of official failures. This was obviously the result of serious neglect of safety norms for which accountability must be fixed. It is essential that a judicial commission be constituted to inquire into the incident, to determine whether the laws on transport using inland waterways are being implemented and to issue directions for the future. The country boat involved appears not to have used its engine at the time of the accident, but the absence of safety training for operators is painfully evident.
The Centre, which talks of a paradigm shift in freight and passenger transport using inland waterways, should respond to the shameful national record on boat safety by firmly implementing existing laws and introducing new measures along with the States. Just last year it expanded the National Waterways program and notified several stretches of rivers and canals for a new deal for inland water transport. Under the amendments to the colonial-era औपनिवेशिक युग Inland Vessels Act made in 2007 — which is to be further modernized — it is incumbent निर्भर on the States to apply some provisions of the Motor Vehicles Act to accidents, compensation and insurance against third-party risks for powered boats. Just as in the case of motor vehicles, registration of inland vessels other than small personal non-powered craft must be made mandatory. This will help enforce construction standards, subsidy for transport boats, passenger insurance and accident compensation. In the latest tragedy, the problem also appears to have been inadequate अपर्याप्त supply, which forced people to pack themselves into the available boats. If this is true, the Bihar government must own full responsibility and prevent a recurrence. The heart-rending प्रतिपादन spectacle of children and their kin परिजन perishing अनित्य on what should have been a day of celebration must stir the conscience of governments whose duty it is to provide safe and adequate public transport, and one at which they fail badly.
VOCABULARY
- Mishaps दुर्घटनाओं
- Terrible भयानक
- Toll छती
- Apparently जाहिर तोर पर
- Crammed ऐठन
- Vessel पतीला
- Obscure अस्पष्ट
- Colonial-era औपनिवेशिक युग
- Incumbent निर्भर
- Inadequate अपर्याप्त
- Rending प्रतिपादन
- Kin परिजन
- Perishing अनित्य
Sunday, 15 January 2017
Cloze test #02
IBPS PO (PT)
According to a new study from and international consortium, (1) up technology in the classroom doesn't always lead to better education for children . The report from the OECD tracked educational outcome among students based on their use of technology at home and in the classroom. (2) students performance improve when they use technology in moderation , the group found , (3) to computers and the internet causes educational outcomes to droop .
The report further stated that (4) considerable investments in computers, internet connection and software for education use, there is little solid evidence that greater computer use among students leads to better scores in mathematics and reading. Report results are based on an assessment in 2012 that tracked students in more than 40 countries and surveyed then on computer habits and conducted both written and digitl tests. On average, seven out of 10 students in countries surveyed at least 25 minutes a day online . In some countries , like Turkey and Mexico, about half fo the students do not have (5) to a computer at home . The survey found that students with more exposure to computers do better , on average , than those with little exposure to computer , but the OECD (6) against drawing conclusions based on that results . The data could simply (7) that school system that invest in technology also invest in better teachers and draw on students from higher socio-economic class , who (8) to perform better in school.
Options
- dispersing फैलाना beefing चटपटा installing स्थापित giving दे रही है amplifying बढ़ाना
- through के माध्यम से even यहाँ तक की while जबकि admitting स्वीकार as जैसा
- overdoing ज्यादा exaggerating अतिसयोक्ति working काम कर रहे exhausting थकाऊ overexposure अति खुलाव
- despite के बावजूद withdrawal वापसी by द्वारा though हालांकि why क्यों
- accessतक पहुचना approach पहुंच availability उपलब्धता excess अधिक practice अभ्यास
- wake जागना alerted सतर्क कर देना acted अभिनय करना said खा हुआ cautioned आगाह
- reverse उल्टा highlights मुख्य आकर्षण disregard उपेक्षा reflect प्रतिबिम्भित cast डालना
- inclined झुका tend देते हुए bound सीमा contribute योगदान bear करना .
Answers-
- beefing
- while
- overexposure
- despite
- access
- cautioned
- reflect
- tend
Subscribe to:
Posts (Atom)