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Should India become digital country or paperless?
YES Obviously,Six months ago, when Bill Gates, Chairman of Microsoft, visited Bengaluru and met the iSpirit team, he was curious about ‘India Stack’. He was also eager to know about the rapid pace at which the country managed to register 95 percent of its citizens on an identification database called Aadhaar. The volunteers of iSpirit—a software product think tank—obliged and a crack team consisting of Nandan Nilekani, Pramod Varma, Sanjay Jain along with Sharad Sharma, Founder of iSpirit, made a presentation to Gates about India’s digital revolution waiting in the wings.In the end, Gates saw the ‘India Stack’ as the shining beacon of technology to propel change. He is known to have used the words “cutting-edge” and was overheard saying, “there are few countries which can boast of a digital infrastructure as sophisticated.” He added that the vision of transforming India through application of technology had received new impetus.On India Stack, Nilekani, Co-founder of Infosys and former Chairman of Unique Identification Authority of India (UIDAI), says, “This is a technology platform that delivers complete services to citizens transparently and is focussed on improving lives.”. He adds that it was a product of several years of innovation starting with the UIDAI’s Aadhaar platform. “This is India’s single most important innovation to formalise India’s domestic economy through digital services,” he says.What is India Stack?In simple terms, India Stack is:· A paperless and cashless service delivery system.· The stack is a new technology paradigm that is scalable to handle massive data inflows, and is poised to enable entrepreneurs, citizens and governments to interact with each other transparently.· It is an open system to electronically verify businesses, people and services.· It gives the data to the concerned individual and lets him decide who he can share the data with. The smartphone will be the delivery platform for services such as digital payments, identification and digital lockers.· It is the largest application programming interface (API) on the planet.· Poised to change the lives of 1.1 billion Indians.This open API policy was conceived around 2012, when the Central government realised that it cannot deliver citizen services on its own efficiently. So it proposed, based on its experience with Aadhaar, an open-data initiative supported by an open API policy, which would pave the way for private technology solutions to build services on top of Aadhaar. This was a signNow development because it was the first time that the government conceded it needed entrepreneurs to build on top of a stack to deliver services.Here are the 5 tenets of India Stack and the Startups leveraging itPaperless identification: Aadhaar’s 12-digit unique identification number, floated by the UIDAI in 2009, has more than one billion Indians registered who have became the basis for the India Stack. The government uses the platform to transfer subsidies directly into the beneficiaries' accounts. Today, Jandhan Yojana (the subsidy scheme) and Aadhaar, along with mobile, are termed as the JAM trinity for public services. The JAM has delivered direct benefits of Rs 61,000 crore in the form of fertilizer subsidies and other welfare schemes. Over 190 million accounts have been opened so far as per records available on Jandhan website. All these accounts have been opened after using Aadhaar, which has helped beneficiaries receive money in their accounts.“The advantages of such a system are that all leakages in the subsidy and welfare system disappear,” says Nilekani.This system of identification and delivery of services is already being used by the startup world. One only has to visit the 50,000 merchants aggregated by Novo Pay to understand how money transfers happen digitally for citizens with the aid of the local kirana store. Novo Pay uses the Aadhaar platform to verify citizens to enable them to open bank accounts or transfer money to any bank across the country, or make payments for bills or buy products through the kirana network.“We use Aadhaar to deliver banking services to citizens. Novo Pay’s network operating centre also tracks the business cycle of each kirana which gives them an overview of the financial services that consumers experience,” says Srikanth Nadhamuni, Co-founder of NovoPay. In the future, the company can also work with banks to verify and provide loans to people through the kirana network. “We are going after the long tail and it is a business that takes years to build, which when it signNowes critical mass can change financial services in the country,” says Nadhamuni. The smartphone can also become central to verification because all the information goes to the registered phone number.(from L-R) Sridhar Rao, CEO Novopay with Vinod Khosla, Chairman Khosla Labs and Srikanth Nadhamuni, Chairman NovopayPaperless payments: Novo Pay also allows mobile payments through the smartphone. This can become India Stack’s signature delivery mechanism to make India a digital cash economy. The paperless payment is a brainchild of the National Payments Council of India (NPCI), which is a consortium of Indian banks. This organisation along with iSpirit floated the Unified Payments Interface (UPI), which will make mobile payments cardless and completely digital. It will break the back of foreign payment platforms or switches (MasterCard and Visa), which so far charged high commissions to settle rupee transactions.The UPI allows consumers to transact directly through their bank account with a unique UPI identity, which syncs to Aadhaar’s verification and connects to the merchant, the settlement and the issuing bank to close a transaction. In a single swipe the transaction is complete, without any middleman (like the Visa and Mastercard switch) to facilitate the transaction.Here is an explanation of how this system works.There are several companies offering paperless payments today, like PayTM, FreeCharge and MobiKwik. There is a startup called FonePaisa, which is aggregating all payment apps under one platform to pay the kirana or any business. YourStory reported first on how Flipkart can use PhonePe, a startup that it acquired, to enable payments through the UPI. Let us say that the consumer is browsing through a catalogue and he finds his favourite product. He opts to pay through the UPI method. Flipkart’s system asks the consumer for his or her UPI identity and the consumer inputs it. Then, a bank notification pops up on the Flipkart app or in the bank’s app asking the consumer to authenticate the transaction. The consumer inputs his fingerprint as authentication and the transaction is settled between the banks, the e-commerce company and the customer.“Most of us are building this form of payment for even retail transactions. Imagine that this system can bring 50 million mom-and-pop stores online and they can accept digital payments because of the UPI,” says Ritesh Agarwal, Co-founder of FonePaisa, adding that India will have a hybrid payments industry and that there will not be any one payment stack that will remain popular.FonePaisa's team is building seamless digital payments for consumes with offline merchants & can build on top of the Aadhaar framework to enable payments.However, the UPI will benefit Indians who have never experienced digital payments, and is clearly focussed on bringing 900 million Indians into the digital fold. “The only problem with the long tail is cultural. Will people begin to trust digital cash over physical cash? It becomes a hard habit to break. However, it is an opportunity nevertheless,” says Sarath Naru, Managing Partner of VentureEast.Paperless documents: Although digitisation is growing, India consumes the largest amount of paper. According to corporate ratings and research agency India Ratings, the per-capita consumption of paper is 9kg and is all set to double by 2020 because of the growth of the education industry. But with smartphone prices dropping, at least financial services and the healthcare industry can move to a paperless scenario in major cities with the help of India Stack. The Stack’s APIs allow startups to bring solutions that can make documents go digital.A large consumer goods company can use the India Stack to file taxes and track the filings made by its entire ecosystem, of distributors or dealers to reconcile taxes, to avoid legal complications arising from double taxation. This automated service provided by startups with the India Stack gives the corporate a dashboard and performance analytics on the right amount of taxes paid and owed. Startups like Clear Tax and Tax Mantra can provide this scalability by using India Stack. The platform can also be secured for each corporate with their own digital identity. The use cases for paperless documents are plenty.E-KYC: Today, many banks are yet to insist on an e-KYC (electronic Know Your Customer) on their platforms. However, when they integrate their infrastructure with India Stack, the Aadhaar number becomes the defacto KYC. Prepaid digital wallet Oxigen allows e-KYC. Axis Bank has allowed Aadhaar to become the e-KYC platform across all its 2,000 branches.“A key challenge for the customers while opening bank accounts is providing address proof, identity proof and physical copies of documents. E-KYC simplifies the customer experience for the Aadhaar-registered individuals to open bank accounts” says Shikha Sharma, CEO of Axis Bank. Only the top 50 banks in India have agree to make e-KYC a norm.Digital signature: This would be the last mile to cross, and can be made simple between two or more parties executing contracts over the mobile. Individuals or entities can use the Aadhaar ecosystem to send digital signatures on a certified or legal document. Today, most HR offers are online documents that contain digital signatures. But there is a single source of paper still. Imagine, if the entire document is a digital template. When an employee has to accept an offer, he sends the document duly signed by a digital signature. This has several applications too.A road not far awayIn many ways, India is a complex nation. It has cultural differences, yet technology seems to be the tool that can break barriers. Yet, England’s exit from Europe signals a new shift in the world. It is fast becoming a world that is shrinking back into nationalism and protected markets. India has a huge domestic market where services can be streamlined with the help of technology. Any delay on that front can be detrimental, in the form of lack of education and healthcare. “India is a nation of extremes. We are solving problems, but the services aided by technology must signNow a larger mass of people faster,”
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What is it like to be a small business owner in Brazil? What makes it good? What are the challenges?
A 2011 study by SEBRAE (Brazilian Micro and Small Enterprise Support Service), an NGO that tracks down small business and tries to give them some support, found that about 28% of all micro and small enterprises (defined, respectively, as companies with revenue under R$ 300.000 and R$ 2.400.000 per year) will fold in up to two years after being established. The figure is a national mean. There are regions where the rate is much higher. The highest rate is found in the state of Pernambuco, at 45%.Surprisingly enough, excessive taxation and labour laws are not found to be the major culprits for such a high “business mortality rate” (the actual words employed by the study, translated). The culprits are:Lack of a clear business plan. That is: many entrepreneurs establish their business without a clear notion of the supply chain, the target public, the availability of workforce, how much they will spend in fixed expenditures (like water, gas, electricity, office stationery, etc.) and where they would be optimally located. They eventually create a company far from suppliers, in a place where consumers are few and from which transportation is expensive, and hiring is an afterthought. Instead of founding a company with a clear course to follow, they “learn as they go”, which means that they must have a lot of money to burn in the first years.Copying of other companies. This is not the same as counterfeiting. It means that when one company succeeds, everyone wants to do the same thing (like, for instance, sewing shirts). The market will be either saturated, driving down prices for all local competitors or the newcomers will find closed doors because the early wakers had got the best contracts. Copying is a result of a lacking business plan. Without a good notion of the market and the supply chain, you simply imitate what was good for someone else.Not actually managing the company. I work at a bank , my client portfolio is mostly small companies and am witness to this. Entrepreneurs often lack skills in computer use, accountancy and management. They hire people to do it for them, under their “supervision” (but an unskilled supervisor is no supervisor at all, of course). If you establish a company but have hired a “computer boy” to access your bank accounts and registering your invoices, an accountant to record the books and a manager to run your factory (this is the reality I often find in my clients); you are resting the fate of your company on the goodwill of other people. Their mistakes will hurt you, not them. And if they steal from you, they might do it for months or years before you notice, under your very nose.Runaway cash flow. Most entrepreneurs have no management, economy or accountability formation. They have only a dim grasp of what “cash flow” means. Even those who do know what it is, are not fast enough to do the maths. Small business are often burdened by high interest rates they pay to banks because they can’t negotiate with their customers and suppliers an adequate term for collecting their revenue and paying their purchases. This results in negative cash flow over a large part of the month, which is covered by short-term loans (bank rates range from 2.4 to 4.9 nowadays). This situation seriously affects their margins of profit, meaning that they must either sell for a higher price or face a shorter liquid revenue.Weak marketing strategy and advertisement. Most business have weak brands, like mere “letter soup” brands and don’t have standard quality products or services. Unfocused or insufficient marketing and branding strategies means that they are virtually invisible. Without any subject value added to their products or services, they subside in a mass of similar products and are forced to reduce their prices to compete on that, which shrinks their profit margin again. I would like to mention two cases. I used to eat at a snack bar in the city of Leopoldina that was called “Pastelaria Mug Two”. As the name amused me, I once asked the owner why he had given his business that strange name. After struggling with memory for a couple of minutes (!) he then remembered that the former owner of the place was nicknamed “Mug” for a reason he didn’t even remember (probably his name was Magno, but that’s a conjecture of mine). So, when he bought the place he wanted to keep a connection and named the place “Mug 2”. When he made a major overhaul of the place, the people who would do his branding changed the name to “Mug Two” because they thought it looked better in print with the font they had chosen. No kidding! He wanted to keep a connection with a business that had folded (!), using a name that referred to the former owner instead of himself (!), a name that wasn’t even good to begin with, but that he made worse adding a number, and he let someone else change the name of his business to an even worse one just because of a font (and the font was, God forbid, was Papyrus). He made nice pastels (a type of Brazilian snacks pictured below), but he was so clueless that he eventually sold his business again, to a new owner that gave it an even worse name… The other example was a hamburger restaurant named Ayooba, located in Bicas. They had an original name and made excellent burgers, but were locate at an atrocious place, close to a smelly brook (polluted). Had they found a partner to add capital to their venture, they would have rented a better place. Less than seven months after opening they were closing, unfortunately.Not adapting to changes. This hurts business after they break even in their first year if something changes in the market. Brazilians (especially those involved in business) tend to be the most boneheaded people in the world, they don’t really like “changing” things. They are averse to changes because they involve risks. A typical Brazilian entrepreneur will consider a slightly reduced profit margin or a slightly shrinking market share tolerable in order to avoid making difficult decisions, like changing a product line, adding new services, etc. However, if something changes in the market after a company establishes itself, not following the tide may set the course to failure, because you will have chosen the losing path.About the six chief reasons of small business failures, read Sebrae lista os 6 maiores erros de quem vai à falência; saiba como evitá-los.I find it quite amusing that foreigners are so much offended by our labour laws, considering that our wages are so low. Most small business I have at my client portfolio pay an average 1.5 the minimum wage. That’s about R$ 1.300. If your small business has opted for the “Simple” tax system (and you’re nuts if you haven’t) your total labour costs are of 33% more for every worker. These 33% include public pension contribution, reserve for paid vacation and Christmas bonus. As for problems with the labour courts, you are actually protected from them if you hire your employees formally. To have someone working for you without a formal contract is definitely a no-no, because that person can claim she worked for you for years instead of weeks and the judge will demand you formal evidence. If you haven’t any, then you are pretty much screwed. The very fact that you had someone hired without a formal contract lands a fine on you, even if you can prove that your employee had actually been hired yesterday. These laws are harsh in order to ensure that the public pension system is not swindled. These contributions pay the elderly and the ill so they don’t starve or have (in theory) to rely on their families. It’s something Americans are not used to, though.And labour laws are not mentioned as a chief factor for corporate death…But unskilled labour is really a problem, though SEBRAE only covered it briefly in the first item of their series of factors. It is widespread knowledge among the researchers of Brazilian corporate management that:Brazilian workers are ranked among the ones that work most, but their productivity is below average, meaning that they work more time to get less done.That is not because Brazilian workers are lazy, but because they are not skilled enough. About 10% of the Brazilian adults are illiterate and the rates of functional literacy are enormous. The IBGE (Brazilian Institute of Geography and Statistics) considers “functionally illiterate” people who can read, but do only read when pressed to, people who see something written but don’t read it promptly. The MEC (Ministry of Education) considers functionally illiterate people who can read only simple texts and are unable to coherently write any complex texts. IBGE considers that about a third of the Brazilians are functionally illiterate under its concept. MEC sets the figure at about two thirds.Functionally illiterate workers do not learn on their own and do not autonomously seek self-improvement. They must be taught everything in person, in a time-consuming system. They tend to deviate from instructions because they work following what they remember, not the directions written in the manuals, because they don’t consult the manuals. And when they do, they require someone to explain to them whatever they don’t understand, and there is always a lot they don’t.This means that a good part of average career of a Brazilin is spent struggling to understand what should be done and asking someone else what do to. Most of the time your employees need to be supervised because they may be forgetting the instructions. This translates into fitful standards for services and goods.Lacking skills coupled with functional literacy means that a lot of avoidable accidents will happen, maiming workers, damaging machines, destroying products, losing raw materials and upsetting customers. All of which add costs to the production process. All of which hurt more a small new business, which is less able to enforce standards and to supervise workers.Lacking skills and functional literacy are not the result of the workers laziness, but result from an educational system that is insufficient, underfunded and treated by nearly all Brazilian politicians as a nuisance instead of an asset for the future. The same government that creates bizarre laws that hinder entrepreneurship is undermining the future by not investing on public education.Anyway, a recent survey found that the Brazilians average as the 3th most ignorant people of the world (Brasil é o terceiro país mais ignorante do mundo, diz pesquisa).And now that we have mentioned the devil…The chief problem with Brazilian laws are not the actual labour costs they create, but the intricate legal hurdles they erect everywhere, not only about labour.Brazilian laws are self-contradicting, complex and written in a painful-to-read legalese that most people struggle to understand (remember that about two-thirds of all Brazilians are considered “functionally illiterate” by MEC standards, which are probably lower than the standards enforced anywhere in Europe). They require you to hire an attorney, for instance, even for the most basic things. Brazil is one of the countries in the world where you can’t defend yourself before a trial and one of the few where you must have an attorney even to get a divorce or to donate your property to your children. And God forbid you from crossing the path of a judge. Judges are simply above the law here.Another thing that make everyone’s lives worse are the dreaded cartórios. These are so dreaded that the word “cartório” has evolved to mean also “legal or economic privilege”. In most countries of the world there is an office where you register real estate, another where you register births, marriages and deaths and… perhaps another one. In Brazil these offices have become a required part of business. You are often required to pay fees there to get “certificates” of one thing or other, to have the register state as authentic your signature or to legalise a copy or a document… Some cartórios are at least efficient, but some are a real pain… When my brother bought his first flat, mortgaged, of course, he had wait 35 days for the register to give him back the certified copy of the contract. For all this time he was already accumulating interest to the bank (and even paid one instalment) while still living at his old place because the seller was not paid (the bank would only pay after the register OKed the transaction). To pay a high fee to obtain a copy of a public record is also something that enrages me. Most of the registers should be on the internet, but none are.And finally, there is the so-called “custo Brasil”, the costs involved on the very fact that Brazil is in South America, far from the supply chain of most business and far from most consumer markets. Producing in Brazil has its own set of natural costs that cannot be cut out, even when the waterways are ok, the ports are good and the roads are smooth.
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Can anyone give information about the Airforce group'y examination, especially negative marking and merit marks?
Indian Air Force Group Y ExamINDIAN AIR FORCE INVITES ONLINE APPLICATIONS FROM UNMARRIED MALE (INDIAN/NEPALEES) CANDIDATES FOR SELECTION TEST FOR INTAKE 01/2019 ON 10 & 11 MARCH 2018 TO JOIN AS AIRMEN IN GROUP X TRADES (EXCEPT EDUCATION INSTRUCTOR TRADE) AND GROUP „Y TRADES {EXCEPT AUTOMOBILE TECHNICIAN, GROUND TRAINING INSTRUCTOR, INDIAN AIR FORCE (POLICE), INDIAN AIR FORCE (SECURITY) AND MUSICIAN TRADES}Indian Air Force Group Y Exam 2018 ELIGIBILITY CRITERIA:-Date of Birth Block -(a) Candidate born between 13 January 1998 and 02 January 2002 (both days inclusive) are eligible to apply.(b) In case, a candidate clears all the stages of the Selection Procedure, then the upper age limit as on date of enrolment is 21 years.Educational Qualification -(a) Group X (Except Education Instructor Trade).(i) Passed Intermediate/10+2/ Equivalent examination with Mathematics, Physics and English with minimum 50% marks in aggregate and 50% marks in English.OR(ii) Passed Three years Diploma Course in Engineering in any stream, as mentioned in the drop down menu of apply online section under candidate's login on the CASB web portal http://www.airmenselection.cdac.in. The candidate should have completed the course from a Government recognized Polytechnic institute with 50% marks in aggregate and 50 % marks in English in diploma or in Intermedidate/Marticulation, if English is not subject in Diploma Course.(b) Group Y {Except Automobile Technician, GTI, IAF (P), IAF(S) and Musician} Trades.Passed Intermediate / 10+2 / Equivalent Examination in any stream/subjects approved by Central / State Education Boards with minimum 50% marks in aggregate and 50% marks in English.(c) Group Y Medical Assistant Trade Only.Passed 10+2/Intermediate/ equivalent exam with Physics, Chemistry, Biology and English with a minimum of 50% marks in aggregate and 50% marks in English.Note–1: Candidate eligible for Group X examination are also eligible for Group Y and would be given an option of appearing in both group X and Group Y exam in one sitting while filling up the online registration form.Note - 2: Diploma holders are eligible to appear for Group X trades only.Note - 3: Education Boards listed in Council of Boards for School Education (COBSE) website as members, as on date of registration will only be permitted.Note - 4: Exact aggregate Percentage of marks before decimal as written in the marks sheet of 10+2/ Intermediate/Equivalent Examination/Three years Diploma Course OR calculated as per the rules of concerned Education Board/Polytechnic Institute will only be considered (For example 49.99% should be taken as 49% and not to be rounded off to 50%).Mandatory Medical Standards:-(a) General Medical Standards for both Group ‘X’ (Except Education Instructor Trade) and Group ‘Y’ {Except Automobile Technician, GTI, IAF (P), IAF(S) and Musician} Trades are as follows: -(i) Height: Minimum acceptable height is 152.5 cms.(ii) Chest: Minimum range of expansion: 5 cm(iii) Weight: Proportionate to height and age. However, minimum weight of 55 Kg required for Operations Assistant (ATS) Trade only.(iv) Corneal Surgery (PRK/LASIK) is not acceptable. (v) Hearing: Candidate should have normal hearing i.e. able to hear forced whisper from a distance of 6 meters with each ear separately.(vi) Dental: Should have healthy gums, good set of teeth and minimum 14 dental points.(vii) Health: Candidate should be free from medical or surgical deformity. He should be free from all communicable diseases and skin ailments. Candidate must be physically and mentally FIT to perform duty in any part of the world, in any climate and terrain.(viii) Body Tattoo: Permanent body tattoos are not permitted, however tattoos only on inner face of the fore arms (inside of elbow to the wrist), back (dorsal) part of the hand/reverse side of palm and Tribals with tattoos which are as per custom and traditions of their tribes may be considered. However, right to decide on acceptability/ unacceptability of the individual rests with the Selection Centre. Candidates with permanent body tattoos are to submit two photographs (close up and distant view) with details of size and type of the Tattoo.(b) Details of medical standards for various Groups/Trades are available on CASB web portal http://www.airmenselection.cdac.inIndian Air Force Group Y Exam Registration / Application FormIndian Air Force Group Y Exam 2018 Application Form / Registration:-Apply online at website:- http://www.airmenselection.cdac.in or http://www.careerindianairforce.... 15 DECEMBER 2017 to 12 JANUARY 2018.Following Certificates are to be uploaded as the case may be:-(a) Class 10/matriculation passing certificate.(b) Intermediate/10+2 or equivalent marksheet/marksheets (if applying on the basis of 12th/ intermediate or equivalent educational qualifications).(c) 3 Yrs Engineering Diploma Final Year Marksheet (if applying on the basis of 3 Yrs Engineering Diploma from a Govt. recognised polytechnic in prescribed stream.(d) Passport size colour photograph of size 10 KB to 50 KB (front portrait in light background without head gear except for Sikhs) recent (taken not before November 2017). The photograph is to be taken with candidate holding a black slate in front of his chest with his Name and Date of Photograph taken, clearly written on it with white chalk in capital letters.(e) Candidate’s left hand thumb impression image (Size 10 KB to 50 KB).(f) Candidate’s signature image (Size 10 KB to 50 KB).(g) Candidate’s parents (Father/Mother/Guardian) signature image (if candidate is below 18 years on the date of filling the online application.(h) The marksheet indicating marks in English subject (if applying on the basis of 3 Yrs Engineering Diploma qualification) in diploma or 12th/10th if English is not a subject in diploma.Examination Fee : Examination fee of Rs.250/-is to be paid by the candidate while registering for the online examination. The payment can be made by using Debit Cards/ Credit Cards/Internet Banking through payment gateway. The examination fee can also be paid by Challan payment at any Axis Bank Branch.Candidate must have his valid E-mail ID and Mobile No. for successful online registration.Candidate should preferably have his Aadhaar Card Number handy.Indian Air Force Group Y Exam Exam DatesIndian Air Force Group Y Exam 2018 Date:-Selection test on 10 & 11 MARCH 2018 to join as Airmen in Group X Trades (except Education Instructor Trade) and Group Y {Except Automobile Technician, GTI, IAF (P), IAF(S) and Musician} Trades..Indian Air Force Group Y Exam SyllabusIAF Group Y Exam 2018 Syllabus:-ENGLISHI. ComprehensionA small passage followed by questions.1. To judge comprehension2. Drawing of inferences3. Use of vocabularyII Composition1. Agreement of subject with verb2. Pattern of verb and their use.3. Sequence of tenses.4. Transformation of sequences-Compound, Complex, Simple, Negative, Affirmative.III Grammar1. Spellings2. Word formation3. Antonyms and Synonyms4. One word substitution5. Correct usage of articles6. Correct usage of Prepositions7. Correct usage of adjectives-degrees of comparison8. Correct usage of conjunctions9. Correct usage of Nouns and Pronouns10. Correct usage of numbers (Singular-Plural)11. Words, which are commonly getting confused12. Word order13. Correct usage of AdverbsIV. Idioms and Phrases1. Use of simple idioms2. Use of Common proverbsV. Direct / Indirect sentences : Narration change1. Change of various types of sentences from direct to indirect form2. Change of various types of sentences from indirect to direct formVI. Active and Passive Voices1. Change of all types of sentences from active topassive form2. Change of all types of sentences from passive to active formREASONING AND GENERAL AWARENESS (RGA)(A) Reasoning (Verbal and Non-Verbal)1. Numerical Series2. Distance and Direction Sense Test3. Mathematical Operations (Assigning Value to Arithmetic Sign)4. Number Ranking & Time Sequence Test5. Assign Artificial Values to Mathematical Digit6. Inserting Correct Mathematical Digit7. Human Relation8. Coding and Decoding9. Odd Man Out10. Mutual Relation Problem11. Tallest Youngest Relation12. Dictionary Words13. Analogy14. Non Verbal Reasoning15. Number Coding16. Number Puzzle(B) Mathematics17. Ratio and proportion18. Average19. LCM, HCF20. Profit and Loss21. Time, Distance and Speed22. Percentage23. Simplification of Numbers24. Fraction25. Area of Triangle, Square and Rectangle26. Surface area and Volume of Cuboid, Cylinder, Cone and Sphere27. Probability28. Simple Trigonometry(C) GK and CA29. General Science30. Civics31. Geography32. Current Events33. History34. Basic Computer OperationPaper PatternIndian Air Force Group Y Exam 2018 Paper Pattern:-Phase – IEligible candidates will be sent Provisional Admit Cards for phase - I of testing on their respective e-mail IDs during the month of February 2018 (which they will download & take colour printout & will carry the same to the examination centre on the day of online test as indicated on their respective Admit Cards) to appear in the Selection Test at the examination centres allotted to them. This provisional admit card can also be downloaded by the candidate under candidates login on CASB web portal http://www.airmenselection.cdac.in. All candidates in possession of provisional admit card will undertake Online Test as per their respective Group applied for, at Centres designated/allotted as per their admit card. Online test will be objective type and questions will be bilingual (English & Hindi) except for English paper. Online test for candidates opting for both Group X&Y shall be conducted in one sitting, on the same system. Candidates are to bring one blue/black pen and original valid ID proof along with them forPhase - I testing. A demonstration video on the conduct of online test is uploaded on the CASB web portal http://www.airmenselection.cdac.in.Details of the Test are as follows: -(a) Group ‘X’ Trades. Duration of the Online test will be 60 minutes and will comprise of English, Physics and Mathematics as per 10+2 CBSE syllabus.(b) Group ‘Y’ {Except Automobile Technician, GTI, IAF (P), IAF(S) and Musician} Trades. Duration of the Online test will be 45 minutes and will comprise of English as per 10+2 CBSE syllabus and Reasoning & General Awareness (RAGA).(c) Both Group ‘X&Y’ Trades. Duration of the Online test will be 85 minutes and will comprise of English, Physics, and Mathematics as per 10+2 CBSE syllabus and Reasoning & General Awareness (RAGA).CANDIDATES ARE TO QUALIFY IN EACH PAPER SEPARATELY IN THEIR RESPECTIVE GROUPS. The result of Phase-I will be uploaded on http://www.airmenselection.cdac.in within 15 days from the date of online exams.Phase – IISoon after the declaration of the result of Phase-I test, all candidates shortlisted for Phase II will be sent a new admit card on their registered e-mail ID for phase - II test at an Airmen Selection Centre. This admit card for phase – II exam can also be downloaded online under candidate’s login on CASB web portal http://www.airmenselection.cdac.in . Candidates have to report at the stipulated date and time for phase – II at the designated Airmen Selection Centre along with following documents:-(a) Colour print out of Admit Card for phase – II.(b) Colour Print out of duly filled application form downloaded on completion of online registration.(c) HB Pencil, Eraser, Sharpener, Glue stick, Stapler and Black/Blue Ball Point Pen for writing.(d) Ten copies of un-attested recent (which was used for the online application registration) passport size colour photograph.(e) Original and four self-attested photocopies of Matriculation Passing Certificate(required for verification of Candidate’s Name, Father’s Name and his Date of Birth).(f) Original and four self-attested photocopies of Matriculation Marks Sheet (only applicable for three years Diploma Course holders when English is not a subject in Diploma Course).(g) Original and four self-attested photocopies of Intermediate/10+2/ Equivalent ExaminationPassing Certificate and Marks Sheet.OROriginal and four self-attested photocopies of Three years Diploma Course Passing Certificate and Marks Sheets of all semesters.(h) Certificate for SOAFP (Son of Air Force Personnel), certificate for sons of serving/retired/ deceased Air Force civilian employees paid out of defence estimates are to be downloaded as the case may be, from the download section of CASB web portal and brought along while reporting for phase –II of the examination.(j) For Candidates discharged from Indian Army/Indian Navy/Any other Government Organisation. Original and four Self-attested photocopies of Discharge Certificate (as issued from Indian Army/Indian Navy/Government Organisation).(k) NOC in original and 4 self-attested photocopies from the employer for candidates presently serving in any government organization (if applicable).(l) Original and four self-attested photocopies of NCC ‘A’, ‘B’ or ‘C’ certificate (if applicable).Note: Candidates discharged from Indian Air Force for any reason are not eligible to appear in the Selection Test.Verification of Eligibility - Candidates should be in possession of the documents mentioned at para 16 above, when appearing for the Selection Test which would be scrutinised/ verified prior to commencement of Phase – II to ascertain the eligibility prima-facie. Detailed verification of all the documents listed at para 16 above will be carried out in respect of candidates who pass Adaptability Test - 1. Candidature of those who do not meet the laid down educational criteria will be rejected during Initial verification of original certificates & mark sheets and also during detailed verification at Airmen Selection Centre (ASC).Note-1: For SOAFP, the Name of the ward and his Date of Birth mentioned in the Discharge Book/ Service Certificate must match with the details mentioned in his matriculation passing certificate.Note-2: Under no circumstances the candidates will be permitted to appear in Phase – II of the Selection Test without Original Educational Marks Sheets/Passing Certificates & Documents mentioned above in paragraph 16 (e) to (k). However, candidates with photocopies of Educational Marks Sheets/ Passing Certificates can be permitted to appear in the Selection Test only on production of a certificate from College/School Principal signNowing that Educational Certificates/Marks sheets are deposited with College/School.Note-3: The original Passing Certificates/Marks Sheets will not be retained by the Selection Centre. The same will be returned to the candidates on completion of detailed verification.Note-4: Internet copy of marksheet not acceptable.Physical Fitness Test (PFT) - Candidates who pass Online Test and are shortlisted as per merit which will be displayed on the CASB Web Portal http://www.airmenselection.cdac.in on a stipulated date will be called at designated Airmen Selection Centre for Physical Fitness Test (PFT) which would consist of 1.6 Km run to be completed within 06 minutes and 30 seconds. Candidates will also have to complete 10 push-ups, 10 sit-ups and 20 squats within the stipulated time to qualify in the Physical Fitness Test. Note: Candidates are advised to bring their sports shoes and shorts/Track pants.Adaptability Test-1 (For both Group ‘ X’ & Group ‘Y’ Trades) All candidates who pass the Physical Fitness Test (PFT) will have to undertake Adaptability Test-1 (objective type written test) which is to assess suitability of a candidate for employment in the IAF which involves deployment in varied geographic terrain, weather and operational conditions.Adaptability Test-2 (For both Group ‘ X’ & Group ‘Y’ Trades). All candidates who passAdaptability Test -1 will have to undertake Adaptability Test-2 as per policy in vogue. Adaptability Test-2 is to select candidates who can adapt to the environment of Indian Air Force and are able to adjust to the military way of life.Note: Candidates qualifying for both Group X and Group Y will be allotted the group according to their merit as well as preference given by the candidate at the time of filling up of online application. However, President, CASB reserves the right to allocate Group to a candidate as per vacancies available. Phase - IIIMedical Examination - Candidates who qualify Adaptability Test-2 will be issued with medical appointment letter at respective ASCs. It can also be downloaded under candidates login on CASB web portal http://www.airmenselection.cdac.in for their medical examination at designated Medical Board Centre (MBC) on specified date. Medical Examination will be conducted by Air Force Medical Team as per IAF medical standards and policy in vogue on subject issue. Medical examination would also include Baseline Investigation of:-(a) Blood Haemogram - Hb, TLC, DLC(b) Urine RE/ME(c) Biochemistry(i) Blood Sugar Fasting & PP (ii) Serum Cholesterol(iii) Urea, Uric acid, Creatinine (iv) LFT—Serum Bilurubin, SGOT, SGPT(d) X- Ray chest (PA view)(e) ECG (R)Note. Candidates are advised to get tartar and stains removed from their teeth before appearing for the Medical Examination. Ears should be free of wax. Candidates should be prepared to stay for the medical test for four to five days under their own arrangement. No TA/DA will be admissible. Candidates using corrective glasses must be in possession of prescription from ophthalmologist bearing stamp and registration number and should not be more than one month old. Passing in the medicals is not a guarantee for the employment in Indian Air Force.I hope this will help you…..ALL THE BEST..
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What are the best ways to drive traffic to your website for free?
Well.. This is one of the important and interesting questions of SEO!Opt for right keyword:Choose keywords based on high search volume and low difficultyCreating high-quality content andOptimizing on-page and off-page elementsThere are 2 types of keywords in SEO, they are,Short tail keywords:These keywords are not specificThey consist of less than 3 wordsThey have high search volume and high competitionSince these keywords are broad match, they don’t convert very wellAn example of a short tail keyword is pizza recipesLong tail keywords:These keywords are very specificThey consist of more than 3 wordsThey have relatively low less search volume and competitionThis will bring in quality traffic leading to higher conversion rateAn example of a long tail keyword is homemade pizza dough recipesHigh search volume & low difficulty:Search volume - It indicates the potential traffic you can obtainDifficulty - It determines the competition to rankHigh search volume-Search volume is the average monthly searches made for a particular word or phraseTargeting keywords of high search volume will help to bring more traffic to your websiteSearch volume may also have seasonality factor for seasonal and trending keywordsFor example, phrases like funny halloween costumes will have more search volume in October (as halloween day is on 31st October)Low difficulty:It is one of the important keyword metrics when doing keyword researchHigher the competition, harder it is to rank #1 on Google SERPHigh search volume and low competition keyword is the ideal combination to preferThe difficulty of a keyword ranges from 0 to 100Choose your content based on commercial intent and high relevancy:Relevancy:Keyword relevancy drives quality traffic to your websiteIt refers to the concept of how relevant your keywords are to each page of our siteAlways prefer keywords relevant to your content (even though it doesn’t have a high search volume)Example: Suppose you have a beginner content on SEO, prefer to use relevant keywords (like SEO tutorial or what is SEO), instead of focusing on irrelevant keywords with high search volume (like what is digital marketing)Commercial intent:These keywords are more specific and often result in high conversion rateFor example, commercial intent keywords like “buy iPhone” has low search volume, but it shows that the person is ready to make a purchaseSome of the commercial intent keywords are below:Optimize your on-page elements:Title tag:Title tag is the most important factor of on-pageIt is a header title element displayed on SERPsSearch engines like Google display the first 50–60 characters of a title tagThese tags summarize the website’s contentTitle tag influences click-through ratesMeta description:Meta description is a brief description (of up to 155 characters) that summarizes the content of a web pageThey are displayed on the search engine page resultsURL:URL: Uniform Resource LocatorUse SEO-friendly URLs, as they help to understand what the webpage is aboutPoor URL structure is a big issue in SEO which may result in low rankingAvoid poor URL structures like:URLs: https://www.Easyway.com/courses/digital-marketing/Bangalore?gclid=EAIaIQobChOff-page elements:Website architecture:A good site architecture not only makes content easier to find but also helps to gain trafficSome of the important features of a good site architecture are:Build a URL structure that follows your site’s navigation hierarchyCode your site navigation in CSS or HTML programming languageBuild a comprehensive structure of internal linkingCreate breadcrumb navigation which will improve a site’s internal linking structureSitemaps:Sitemaps are a hierarchy list of a websiteIt is designed to help both users and search engines to understand the structure of a websiteThere are 2 types of sitemaps:HTML sitemaps: Designed for humansXML sitemaps: Designed for crawlersSecure websites:Websites using HTTPS server have a higher chance of boost in rankingsGoogle calls HTTPS as a ranking signalPage speed:Page speed can also be known as “page load time”It refers to the time taken to load the content of a web pageSlow page speed may result in high bounce rate and low average time spent on the web pageCreate a high quality content:High-quality content is the most important factor that helps your website to rank on GooglePerform research on your chosen keywordCreate a content that fulfills users' requirementsMake your content readableKeep your content flow organizedAdd resources from well-known sites to your postOpt for white hat techniquesPrefer different forms of content:Feature infographics in your postInclude videos and images in your postReview your contentSteps to create a high-quality contentBegin with a comprehensive introductionContent should be relevant to the chosen keywordCreate a click-worthy titleInclude LSI keywords in your contentHeading and sub-headings should consist of keywords and variantsShorten your sentences and paragraphsBuild a comprehensive internal linking structure of webpagesAdd suitable images (with descriptive alt text)Incorporate callout boxesUpdate your content regularlyHope this helps!Incase you wanna learn more, I suggest you watch the below video:Suppose you want to learn more about SEO and get expertise in it, check out our Simplilearn’s Digital Marketing Specialist Masters Program
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What singer would you say had a tragic death and why?
Karen Carpenter (1950 - 1983)One half of the Carpenters duo, Karen Carpenter sang hits such as: Close to you, Top of the world, Yesterday once more and We’ve only just begun; she tragically died of heart failure, bought on by anorexia, at only 32.Pictured below, Karen Carpenter in 1974.Just three years later in 1977, weighing only 40 kg (90 pounds).Karen Carpenter, had a beautiful three-octave voice, and was also quite competent on the drums.During high school, she was around 67 kg (147 pounds), not fat, but just a little chubby. She eventually settled at around 58 kg (128 pounds).Her problems started in 1973, when she saw an unflattering photo of herself. She vowed to lose the extra weight. Quickly losing 9 kgs (20 pounds) through exercise, she commented that she was aiming for 105 pounds (47 kgs).It was at this time that others began noticing problems too:She would often try to offload the food on her plate to others by saying how delicious the food was and offering it to others to try.She began layering clothing to hide her slimness.She began displaying a tremendous lack of energy between shows, often lying down, only to be back on her feet singing the next minute.All this caught up with her in 1975, when they cancelled a whole European tour due to her failing health. She slowly recovered with mother’s supervision.Over the next five years, she continued to battle anorexia.Finally seeking a therapist in 1981, she was only 35 kgs (76 pounds)! In addition to the extreme dieting, she was taking laxatives and thyroid medication to speed up her metabolism. Even trips to the therapist became another exercise routine to burn calories.She ended up in hospital in 1982 for extreme dehydration.Upon leaving hospital, although putting back on a bit of weight (13 kgs, 30 pounds) and having her menstrual cycle return, she once again showed signs of extreme tiredness and a lack of energy, sometimes calling it a night by 7 in the evening.On the 4th of February, 1983, she died at home in a walk-in wardrobe. In her mother’s own words: “She just laid down on the floor and that was it”.Her autopsy revealed that she had also been taking the vomit-inducing medication, ipecac.Her death was extremely tragic because not much was understood about anorexia at that time. To outsiders, the solution seemed so simple, just eat. However, her death did put anorexia in the spotlight, and today much more is understood about this insidious condition.Sources: Karen Carpenter - WikipediaHow Karen Carpenter's Death Changed the Way We Talk About AnorexiaKaren Carpenter: starved of love, by Randy Schmidt | ExtractKaren CarpenterImages: Getty Images
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Why is it hard to get AI to cooperate?
Hello,Every day, I put my life in the hands of hundreds of people I will probably never meet. The men and women who designed and manufactured my car. Those who prepared my shop-bought lunch, and installed the power sockets in my office. There are countless more.The capacity to trust in other humans we don’t know is why our species dominates the planet. We are ingenious, and our relentless search for new and better technologies spurs us on. But ingenuity alone would not be sufficient without our knack for cooperating in large numbers, and our capacity to tame dangerous forces, such as electricity, to safe and valuable ends.To invent the modern world, we have had to invent the complex web of laws, regulations, industry practices and societal norms that make it possible to rely on our fellow humans.So what will it take for you to trust artificial intelligence? To allow it to drive your car? To monitor your child? To analyse your brain scan and direct surgical instruments to extract your tumour? To spy on a concert crowd and zero in on the perpetrator of a robbery five years ago?Trust by defaultToday, we tend to answer that question by default. Few of us read the terms and conditions before we tick the consent box and invite virtual assistants, like Alexa or Google Home, into our homes. Nor do we think too deeply about the algorithms working behind the scenes in police forces, credit unions and welfare agencies to shape the communities we live in.We can be confident that AI technology is evolving rapidly; that the well-financed ambitions of nations like China and France will accelerate its development; and that the concentration of massive datasets in the hands of Amazon, Google and Facebook will enable experiments on a scale we may well find discomforting.Some applications of AI, such as medical devices, will run into existing regulatory regimes. But few of those regimes were designed with AI in mind. And the applications of AI that most concern the public today - those deployed in social media – have exposed the limitations of current laws.How long can the default assumption of trust in AI hold? Scientists have been here before. For decades, conversations about biotechnology have been dogged by widespread mistrust of the word “gene”, just as pharmaceutical and agricultural industries have been assailed by a fear of “chemicals”. If consumers could be brought to clamour for “gene-free food” and “chemical-free water”, it’s not so hard to imagine calls for an “AI-free internet”. Or an AI ban.True, we could never enforce such a ban. But we could certainly shut down AI development in the places where we most want to see it – in ethical and reputable organisations. We must be more nuanced in our approach. We can be, if we remember our signature achievement as a species: securing trust.Manners matterThink of the sophisticated spectrum of controls that operate in human societies – let me call them HI societies, for Human Intelligence.At the extreme left end of the spectrum, we have societal norms—manners, if you like—and incentives for good behaviour. Moving along the spectrum, we have organisational rules that govern how to act in classrooms or the workplace, and commercial regulations for interactions in the market. Further along, there are penalties for misdemeanours such as poor car parking, then punishments covering crimes such as robbery and assault. Approaching the right-hand end of the spectrum, we have severe punishments for the worst civil crimes such as premeditated murder or terrorism. At the very right-hand end, there are internationally agreed conventions against weapons of mass destruction.We will need a similar control spectrum for AI. At the left end, in particular, there is a worrying void. After all, what constitutes “good behaviour” in a social media company’s use of AI? Where is it documented? Who codes it into AI, so that HI and AI can grow peaceably and productively together?We could conceivably come to a set of norms by trial and error – or scandal and response. But in a febrile environment, intellectual coherence is unlikely to emerge by lurching from one crisis of confidence to the next.We need the equivalent of the manners we teach to children. We don’t wait for kids to do something objectionable, then make up a rule as we punish them. We reinforce the expectation of ethical behaviour from day one.Manners in HI societies differ, but they are all designed to make individuals feel comfortable through mutual respect. Developers of AI need to keep this in mind, integrating it in their company model from the start and consistently reinforcing it as the reality of doing business.Raising standardsAny proposal to regulate in a sector that trades on its reputation for “moving fast and breaking things” will meet resistance. I understand the impulse. When I was expanding my company, Axon Instruments, to make medical devices, I looked at compliance requirements with a nervous eye. I appreciated that it was right for the regulators to set exacting standards for an electrical device intended to be surgically inserted into a living human brain. I was prepared for immense frustration.What I ultimately realised was that the standards—and the entire compliance process—were the framework I needed for building a competitive company that traded on quality. True quality is achieved by design, not by testing and rejecting. The ISO 9000 quality management systems (from the International Organisation for Standardization) ensure that high expectations are built into design and business practices, from product conceptualisation, through production, to maintenance and replacement. Compliance is assured by a combination of internal and external audits. We maintained these exacting design and business practices for our non-medical products too, because they made us a better company and gave us a commercial edge.In HI societies, there are consequences for falling short of societal standards. We need the same for AI developers – a way for consumers to recognise and reward ethical conduct.A new way to trustThe most straightforward method would be an AI trustmark. Let’s call it the Turing Certificate, for the great Alan Turing. A Turing Stamp would be the symbol that marks a vendor and product as bearers of the Turing Certificate, meaning they are worthy of trust.The combination of the two—trustworthy organisation, trustworthy product—is critical. This model has long prevailed in the manufacturing sector. Indeed, if it were not for the implementation of agreed standards for design, manufacturing and business practices, our society would have completely rejected all electrical devices years ago on safety grounds, and we would not be worrying about AI today.In the manufacturing sector, standards are both mandatory and enforceable. Manufacturing is a highly visible process with an obvious geographical footprint. AI development is more elusive. Mandatory Turing certification would be cumbersome. A voluntary Turing Certificate would allow responsible companies to opt in, including start-ups. It’s better to grow up with standards than bump into them in your teens. Done right, the costs of securing certification should be covered by increased sales, from customers willing to pay a premium.But there would only be a commercial incentive to comply if all players—companies, consumers and governments—could trust the system. Every Turing-certified organisation would be, in effect, a Turing ambassador. Smart companies, trading on quality, would welcome an auditing process that weeded out poor behaviour, just as Axon Instruments and thousands of other companies accept internal and external quality audits on a regular basis in exchange for the privilege of selling medical and non-medical devices.At the same time, citizens would surely welcome the opportunity to make informed decisions, and to tread the middle path between accepting a free-for-all or excluding AI from their lives.If we can cooperate in HI societies, surely we can cooperate in the vital work of nurturing HI and AI together.Thanks
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