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As per the tentative schedule published on the official website, Indian Banking Personnel Selection (IBPS) will conduct the preliminary exam for recruitment of probationary officers (PO) in the month of October.This leaves roughly six months for banking job aspirants to prepare for the exam. While it's not necessary that you begin preparation for IBPS PO exactly six months prior to the exam but it will definitely give you ample to go over all the topics and revise. In this article we will discuss the strategy aspirants should adopt right now in order to ensure a good score in the IBPS PO preliminary and main exam.IBPS PO Preliminary and Main combined, there are total five sections in the IBPS PO exam - English Comprehension, Quantitative Aptitude, Reasoning, Banking Awareness and General Knowledge, and Computer Awareness. Six months are fairly enough to be completely prepared for both Preliminary and Main exam.1st and 2nd monthMake a section-wise list of all the topics from which questions may be asked. Start with the ones you find the toughest or have never heard of before. Devote one hour on each section. In case of Banking Awareness and GK, and Computer Awareness, half an hour a day is enough. Refer only school textbooks and normal exercise books to learn the fundamental concepts.3rd and 4th monthBy now you would have gone through every topic on your list. Now you need to begin focused preparation. Buy a preparation book for bank exams and start solving questions topic-wise. Again an hour a day should be enough. You should follow preparation books because the questions asked in the exam are a tad bit different than the ones which are mentioned in school textbooks. Also focus on learning shortcut tricks for solving lengthy problems.5th and 6th monthIn the last two months, I suggest you sign up for online speed test and solve at least one signNow in a day. Don't just solve preliminary speed test but also speed tests designed for Main exam. Solving speed tests would help you identify your problem areas and you can work on them. Speed tests would also get in the gear for online exam and benefit you on the exam day.This schedule (even with a little variation) would allow you to cover every topic including revision and give you an edge over other candidates appearing in the exam.Books for Banking ExamFor IBPS PO i am giving you a small sum of books that will help you for upcoming exams.QUANT:Paramount By Neetu singh (both vol 1 and vol 2).DI: Arhihant + BSC magazine problem.Reasoning:Buy arhihant publication book for general practice.BSC Publication Magazine problems for practice.For Puzzle- Magical Book on PUZZLES by K Kundan.ENGLISH:Reading Reading and Reading, no book will help you unless you start reading and make summary that will help in descriptiveVocab building and revise them regularly.Hindu signNow/Indian express/TOINote: No need of book for english. News signNow enough.General Awareness:Bankers Adda/Gk today daily affairs don’t read them write them in your daily notes.For quick reading leadthecompetition.comFor quiz App: Daily GKIf you are done with these above three areas, you are done with GA. No need to go for GK tornedo, Capsule, Injection, Golden points etc. ☺BANKING:RBI FAQ ( Frequently Asked Questions)Dhankar publication book for general banking.Make notes from History of banking, years of establishment, Acts, Nationalization, recent developments, committees.Previous exam questions of banking.COMPUTER:Lucent + Arhihant book read them twice will take 15 days to read both twice.Mock Tests:Start with Bankersadda and then after getting proper level join Practice mock and Oliveboard.TIPS:Join Facebook groups to understand pattern and competitionPractice as much as mock u can don’t wait for syllabus to complete.Keep cut off,Types of questions in mind.Don’t Mug up things understanding things well that will help you in life.Don’t compare ever, stay positive, confident, happy.Dont go for bulk materials, books follow the above things these are quite enough to crack u dont need to do phd in quanta/reso. We are here to crack exam. Thats all

I am assuming that your question is:how do I know if I’m ready to apply for a software engineering JobShort Answer: Unless you apply for multiple job openings in your programming field, there is no way you will come to know.Long answer:I will take Java as an example of programming language you are self-taught. The first thing you should do next morning is creating user accounts on job portal websites and apply for the job in your favorite programming language (Java, for example).Subscribe to all the Java related job postings on all the topmost job portal websites. You might get some interview calls and if not then you will end up having enough information regarding what are the specific skills employers are looking for. If I try to put an example the Java programming language then it would be something like this (more or less).Now that you know, if you are looking for a job in Java programming language you will face above mentioned keywords in the job description (JD).Your next job will be reducing this skill set to top 4 or 5 skills based on the JD you should receive in your email. Also, you may take help from your friends, mentors, Quora, The Workplace Stack Exchange (The Workplace Stack Exchange) to get most desirable top 5 topics/skills under Java family.And, you should end up having something like this (for example):Core JavaSpring BootORM frameworksSynchronous REST servicesSQLStart working on these skills with the help of youtube, Udacity, Udemy (ordered as per free lecture availability). Think of a simple application which utilizes these skills in a way and at the same time try to teach somebody (if you find none then teach yourself, ask a question to yourself and answer yourself). Ask a question “why” all the times to all of the topics you study and find an answer on the web. IMHO, learning programming language and following the best practices can be done by following 2 rules:Write lots of code yourself.Listen and watch great programmers (at least on the web ) writing lots of code.This will surely help you get hired as a Programmer. Do not forget to practice this. Once you get hired, you will have to learn more skills to stay relevant and demanding in the job market.Wishing you all the best in your job search.

Pre-requisite knowledge: Education is free in Germany. No tution fee except for a small semester fee which is around 110 Euros per semester usually. You've to only spend on living expenses which range from 600-800 Euros per month depending upon your living style. To ensure that a student has sufficient funds while his studies such an amount enough for one year is to be blocked in a bank account in Germany. Computer science is called Informatik or Informatics here in Germany. International programs do not ask for you to know German language so you can study the entire program in English. Details you asked for:1. First of all you make sure that you have your Passport (valid up to 3 years).2. Start preparation for IELTS. It takes around a month if you are preparing either yourself or from any institute. 6.0 (overall) is minimum score. But it’s good if u score 6.5 or 6.5+ (overall).3. Start searching your desired field from website www.daad.de select English as language at top and goto Information for Foreigners and Study Programmes and International Programmes.The universities I know of, for Computer Science here in Germany are:University of Saarland MSc in Computer ScienceTUM (Technical University of Munich) MSc in Computer ScienceRWTH Aachen (Media Informatics program as well as SE)University Of Stuttgart MSc in Computer ScienceTU KaiserslauternUniversity of BonUniversity of Freiburg MSc in Computer ScienceUniversity of PaderbornLudwig Maximilian University of Munich MSC in Software EngineeringHeidelberg University MSc in Scientific Computingamong others..4. Keep these things in your mind while searching your course.4.1 IELTS and GPA requirement.4.2 Fees of your course (mostly universities are free).4.3 Beginning (summer or winter).4.4 Duration (generally 2 years).4.5 DEADLINE (mostly: 15 jan for summer and 15 july for winter).4.6 Language of instruction (mostly are in English)5. Get all your documents signNowd (photocopy only) from your city's notary republic office at least 5-7 sets. It depends on number of universities you apply. Documents include:5.1 Matric/Olevels mark sheet and certificate5.2 Intermediate mark sheet and certificate5.3 Graduation transcript, Certificate, Degree and English language certificate (if available).5.4 IELTS/TOFEL result.6. Get attested your originals (i.e. your degree and bachelors transcript) from your country's degree attestation authority. If this is a requirement of the university you're applying to.7. Now you can start applying for admission. Most of universities have their online portals and they all are very easy. If you feel any difficulty in any step you may ask me. LinkedIn is the best way to contact people who've already studied in the university you're interested in. I’m sure seniors will definitely guide you.8. Once you applied in universities you have around 2-4 months to get their response. It depends on your case and time.9. Download Deutsch Bank (DB) form from their website to apply for a student account in Germany. You can apply from your own country remotely.10. Around 4-8 working days you will get an email from DB that your account has been opened.11. Deposit an amount of around 8040 Euros to your bank account by using the given IBAN and title for your account in the email sent to you by Deutsche bank. This amount is one years expense for your studies. They block this amount and only let you use (total amount/12) per month.12. Transfer takes 24-48 hours. Again it depends on your bank. If you transfer your amount through money gram or western union then they transfer within 24 hours but they are expensive.13. Go for Polio vaccination with your original Passport from any Govt. Hospital. If polio vaccination is needed in your country. I applied from Dubai and it didn't apply to me. To some Pakistani's it applies as a requirement to travel.14. Next step is to apply for visa. The visa people usually require a letter of motivation, Visa form (filled), Passport, ID Card, all degrees, transcripts, Motivation Letter, Updated CV, Admission Letter, DB bank letter (etc) and 2 sets of photocopy of your ALL documents.15. Usually you've to take appointment for your visa interview and you should schedule this once you've received the admission letter.16. Visa interview starts from 8am. Questions are very simple and easy. Don’t get confused. Theyask :16.1 Introduction about you and your education?16.2 Why you selected (name of field)?16.3 Why you selected only Germany?16.4 What will you do after Masters?16.5 Any relative in Germany or Europe?16.6 Who sponsors you?16.7 Your siblings?16.8 Why you don’t you do this course in Pakistan?17. Now you go for travel insurance starting from the date you expected to fly. The insurance you get here is for three months and then once you're here in Germany you can then apply for a permanent monthly insurance for the two years here.18. Book your ticket after you get your Visa. I prefer Emirates Airlines. The earlier you buy the ticket, the less is the ticket price.The Answer to the above question ends here. Thanks-------------If you like my answer, as a small token of thanks you can install this Android App for me. Thanks. Cheers!B210 - Photo Frames - Android Apps on Google Play-------------Your Questions and Answers:Question: How to write a good motivation letter?Answer: Revise n revise the motivation letter for a few days before sending it. As it matters. Learn to make a good motivation letter. Don't wait for deadlines to write this letter. Start slowly from now to have it perfect till applying dateQuestion: Do online MOOC courses count towards application chances at university?Answer: YesQuestion: Is Saarland CS program tough to get into? (Vague)Answer: Needs you to be above average yes. Its not easy to get intoQuestion: What else besides GPA matters?Answer: Well.. Job experience definitely matters. Motivation letter and quality of essay (if required) matters.Question: Do I need to give the GRE always when applying to Germany MSc programs? What kind of score is required in the GRE to apply?Answer: At the time I applied. Only 1 out of 5 universities in Germany that I applied to required GRE. I took the GRE because I wanted to apply to Computer Science at the Technical University of Munich which requires a GRE (as mentioned on their website) . At this point in time most universities offering English based CS Masters in Germany DONOT require the GRE to apply to them. It is good to check by googling the specific admission requirements for the program you're applying to.The kind of GRE score required by the Computer Science (MSc Informatik) program Technical University of Munich for example (at this point in time Aug 2015) is:Verbal reasoning: (will not be taken into account anymore)Quantitative reasoning: 154Analytical writing: 3,0Question: I don't have a high GPA in Bachelor's. Can I still apply?Answer: If you have 1-2 years of good job experience then definitely try. Also a good GRE score can cover it up. A good motivation letter can again convince a committee. If you had a specific reason which lowered your GPA (for example: disease) then do mention it. For low GPA candidates I'd say that you should apply to atleast 4-5 universities and then you'll get into one of them. Keep both high ranked and low ranked (easier admission) universities when you apply.Question: I want the university which will grant me admission very easily and without too high requirements for marks.Answer: Disclaimer, this recommendation is for easier admission but not necessarily the top programs offered by universities in Computer Science around Germany. Recommendations are: Darmstadt, Bamberg, Paderborn, Freiburg. I encourage you to read above and apply to TUM, Saarland, Heidelberg etc if you are a good student or if you’re daring enough to try for the best.Question: I don't want my degree to be too technical. Is the Computer Science program all about research?Answer: Well depends on university. Here at TUM we have a program where we can choose Software Engineering as majors which means courses like Project Management, Software Testing and other not too research intensive courses can also be taken. Depends on how you choose the subjects. Yes you're allowed to choose your subjectsQuestion: How much does living and everything cost for a two years program?Answer: It costs 8040 Euros per year. For two years. This expense is only for living and food. Education is free at TUM except for small semester fee. You can check if there's a fee for your chosen program from Deutscher Akademischer Austauschdienst - DAAD - Deutscher Akademischer Austauschdienst Usually universities don't have a fee.Question: Is it possible to get paid for internships/ra-ship during the duration of study etc?Answer: Well I can only say for Munich not other cities. It is definitely possible to get paid student job here during studies. I work for 'Intel' myself during the course of my degree; as a work student. Lots of companies here are looking for students. They pay 12 uptil 15 Euros per hour for the work. Which means around 800 Euros per month (after tax cut) for 20 hours per week of working. Work is less intensive during exams. This is NOT an absolute value. These vary from company to company.Question: How critical is it to know german before pursuing masters?Answer: For most English-taught programs, knowing german before MS is not required but it is helpful to know it. I myself didnot know any German before coming to Germany and have done well. Most universities offer a German Language course that you can attend during the semesters of your studies.Question: Is it easy to get a job after a CS degree from Germany?Answer: I'll not bother you with details. The short answer is yes. Atleast getting a job within Germany becomes a lot easier with the MS degree from Germany. Also opportunities open up abroad.Question: What companies come to career fair at TUM?Answer: Google, Microsoft, Intel, Amazon, Siemens and a dozen more companies.Question: What is the post-masters visa situation like?Answer: They allow you to stay for one year after your degree for job searchQuestion: Is it necessary to have the total amount for two years in your bank account before applying for visa?Answer: No, you only need the 8040 Euros for first year. For the second year, if you can get a student job, then you can also show the student job's contract as financial proof at the time of renewal of visa after first year visa expires.Question: Can i get permanent residence in Germany after studying a Master’s in Germany?Answer: After a masters degree is complete you get a job searching visa for 1 year. If you find a proper job which fulfills the blue card requirements then you can stay. The blue card grants a stay in the EU to highly qualified non-EU-state members. This should help to combat the shortage of skilled workers in Germany. For blue card you need a German degree/foreign degree equal to german degree, Secondly you need a work contract in a company which pays you around Euro 4000 per month for your job..Question: When can the owner of a blue card qualify for a permanent right of residence?Answer: Well, foreigners who own the EU blue card can apply for permanent residence after 33 months. If they have German language knowledge at level B1 then they can apply earlier after 21 months (19a, passage 6, law of residence).

There is a story set in Soviet Russia. A foreigner was once sitting at a restaurant and making a list of places to visit. An old lady accosted him at his table and asked him to put her name in the list. He thought it was very weird that someone asks to be in his errand list. But, for what is worth he just noted her name. Soon, there was a queue at his table. Everyone wanted to get their name in "the list". In Soviet Russia, everyone worried about being left out and not being in important lists [for getting food or government pass]. What if you lose out a government service?Like in the listmania in the Soviet joke, Indians have a mania for filling out applications - job and college admissions. The application forms are dirt cheap and Indian families are paranoid. Put both these together and you can find that Indians are applying to everything - a large number of colleges and a large number of jobs. People don't want to be left out.Indians apply randomly to a lot of places.This artificially boosts number of applicants. The fact is that 90%+ of applicants for anything are totally not serious and in some cases might not even know that someone in the family made an application in their name. This is not new. For instance, 1.7 million people applied for SBI bank PO jobs - 17 Lakh Apply for 1500 SBI PO Jobs; 4500 To Get Interview Call and in a Railways exam 1.5 lakh people applied, 30,000 registered and only 8000 sat for the exams - Only 29% of applicants sit for railway recruitment exam.This reflects bad attitudes than bad economy.The third point comes to location convenience. A lot of the engineers or post graduates who are applying for low end jobs might have their spouse/family who is working nearby. Many women used to work as bank clerks merely to support their husband's career although they might have gotten better jobs elsewhere. A question we need to ask is how many of the PhDs, doctors or engineers actually are working as peons given that we know everyone applies for everything. I'm assuming only a handful of those qualified people would be working in the lowest levels.The next question we need to ask is what kind of colleges did those so called Phd holders go to. Unless you do Phd at a top institution it is a waste of time and harmful to career. In many fields in India, getting a Phd is fairly easy. Getting a Phd in Physics from IISc sure is hard, but what about getting a Phd from a low ranked college? I believe there are a lot of Phds in India who are not job ready. Even in the US, a number of Phds end up as taxi drivers or hotel waiters. The Ph.D Bust: America's Awful Market for Young  Scientists—in 7 ChartsDegrees matter less compared to the institutions attended. Simply getting a BE, B.Tech, MBBS, MBA or whatever doesn't make one magically ready for jobs. Most Indian students are unfortunately never ready for jobs.My humble view is that this one news item hyped by a few Indian media sources doesn't indicate anything new, shocking or surprising.

Not for me it doesn’t and let’s be honest here, what does the freedom of movement actually enable?The basic premise is it allows folk in countries within the EU to up sticks and go to any other country within the EU - no questions asked (more or less). The upshot being, anyone can go where they please and legitimately claim the same as those who were born, have lived, earned and paid taxes in the target country.That’s the nuts and bolts of it in 4 lines.As you can imagine, the freedom of movement policy has meant the UK has flourished in certain sectors because we have been able to recruit intelligent and hardworking individuals that, perhaps, were denied the chance to progress in their own country.It has also meant we have taken in an inordinate amount of lazy, free-loading loafers who; contribute nothing to the country other than being a drain on the economy, who commit crimes and ultimately, treat the UK and its denizens with utter contempt.What’s going to change when we leave the EU? Well, let me tell you a story:I work all over the world in North/South America, Asia and the Middle East and have to fill out a visa form for almost every country I work in. Do I kick up a fuss about it? Do I scream blue murder at the inconvenience of having to fill out - yet more - signNowwork? Do I blame the establishments concerned for employing unnecessarily bureaucratic measures?No.I take the 5 minutes it takes to fill the form out and submit it. Sometimes, I have to send it to or go with my passport to the Embassy. Do I care? Not in the slightest and do you know why I don’t care?Because these measures are in place to protect the welfare of the country I’m visiting.The UK moving out of the EU puts a stop to the freedom of movement. We don't enjoy it anywhere else in the world and yet, it doesn’t prevent us from travelling, working or emigrating to those places. That is exactly how it should be and how the UK will be once we leave.Yes, we will have to apply for a visa to enter European countries. We will lose the obvious benefit of being able to easily recruit genuine candidates to come and work here without the need for said visas - but are those really valid issues or insurmountable obstacles? Nope, because if a candidate is good enough and credible, they’ll get in and we’ll welcome them.By taking back control of our borders we prevent the undesirables from coming in and taking the piss, and that far, far outweighs any potential negatives.So, in answer to your question; do I care about losing my freedom of movement in the EU?No, I welcome it because, with respect to public and economic welfare, it’s the most responsible decision we’ve ever made.

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Because for many:Working any job is better than sitting home moping and whining about what was or doing nothing.Many employers prefer steadily working new hires over long term unemployed new hires.In the US at least, many companies have “foot in the door” type low skill jobs. Once you are hired, if qualified, you can find out about and apply for higher level positions in the same company before they are posted to the public. In these types of companies, most higher level jobs are filled before they are ever posted to the public.Even a low skill job can help make ends meet while looking for more specialized employment.Many employers look at someone with long term unemployment the same as someone who has never worked, regardless of college degrees, etc. They want to know the new hire will show up, do a decent job, not be a discipline problem, etc. before investing a higher income/status/more power in that new hire.The way you have worded your question shows that your thinking about such could be as much of a problem as what jobs are currently available in your location. Hiring departments look for a “can do” attitude and a willingness to work, whereas your chosen wording comes across as snobby and entitled (a potentially problematic new hire). The fact you are calling such a “low skill” job an end point instead of looking at it as a new starting point is also part of the problem. It sounds as if you work solely for the “status” and not because you actually want to do the job.Perhaps instead of worrying about the social status or title of a job, look at how you can use a “low skill” job as a fresh starting point.

Many mortgage lenders hold money in escrow to pay property taxes and insurance. Each month, you pay a portion of the estimated annual costs along with your principal and interest. At the end of the year, the lender adjusts your monthly escrow amount based on the actual tax and insurance bills.

An escrow is a process wherein the Buyer and Seller deposit written instructions, documents, and funds with a neutral third party until certain conditions are fulfilled. In a real estate transaction, the Buyer does not pay the Seller directly for the property. ... This process protects all parties involved.

Rationale For Escrow Requirement Lenders generally require borrowers to include taxes and insurance premiums in their monthly mortgage payments, and placed in escrow until the payment date when the amount due is paid by the lender.

When you get a mortgage to purchase, build or refinance a home, most lenders prefer to set up an escrow account so they can pay your property taxes and insurance premiums for you. A monthly payment is added to your mortgage bill and analyzed once a year to cover any increases in taxes or insurance premiums.

An escrow is a process wherein the Buyer and Seller deposit written instructions, documents, and funds with a neutral third party until certain conditions are fulfilled. In a real estate transaction, the Buyer does not pay the Seller directly for the property. ... This process protects all parties involved.