Moyes Is Ready to Spend BUT Carefully !!!

David Moyes admits he would like to strengthen his Manchester United squad in January, but only if the right players become available.

"Only if the right players are available," he said. "They have to be able to fit into our squad. We would like to but there are no guarantees."

Moyes attempted to prise left-back Leighton Baines out of Goodison Park without success and his successor as Everton manager, Roberto Martinez, has already said another attempt would be pointless.

"If they are determined to hold on to him then he can't be going anywhere," said Moyes.

Moyes was giving little away over Nemanja Vidic and Robin van Persie, who both missed the 5-0 win at Bayer Leverkusen in midweek, stating: "They have got a chance."

However, with Wayne Rooney in superb form, the Scot does believe he has an attack to rival any in the Premier League.

"I have been asked this a lot because there are quite a few strike partnerships in the Premier League," he said.

"There are some very good center forwards.

"As you would expect, we have got a partnership that can rival any other partnership."

Andre Villas-Boas men had a trip to northern Norway for their Europa League encounter with Tromso, now may be a good time for the Red Devils to catch the north London outfit.
Yet Moyes is wary of reading too much into recent results.

"It can vary," he said. "We know that no matter when you play Tottenham Hotspur, it will always be a hard game.

 "The games against Manchester United have been good. It is one of these things, we are both coming off the back of European games as well."

"But we will go down there and try to win the game, as we always do."

"For further inFormation"

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IBPS_Special_Banking Ombudsman

Banking Ombudsman Scheme 2006: 

• The Banking Ombudsman Scheme enables an expeditious and inexpensive forum to bank customers for resolution of complaints relating to certain services rendered by banks. 

• The Banking Ombudsman is a senior official appointed by the Reserve Bank of India to redress customer complaints against deficiency in certain banking services. 

• All Scheduled Commercial Banks, Regional Rural Banks and Scheduled Primary Co-operative Banks are covered under the Scheme.

Grounds of complaints: 

The Banking Ombudsman can receive and consider any complaint relating to the following deficiency in banking services (including internet banking):

• Non-payment or inordinate delay in the payment or collection of cheques, drafts, bills etc.

• Failure to issue or delay in issue of drafts, pay orders or bankers’ cheques

• Non-adherence to prescribed working hours 

• Failure to provide or delay in providing a banking facility (other than loans and advances) promised in writing by a bank or its direct selling agents

• Refusal to open deposit accounts without any valid reason for refusal

• Levying of charges without adequate prior notice to the customer

• Non-observance of Reserve Bank guidelines on engagement of recovery agents by banks

• Any other matter relating to the violation of the directives issued by the Reserve Bank in relation to banking or other services. 

Complaints can be made when: 

• One can file a complaint before the Banking Ombudsman if the reply is not received from the bank within a period of one month after the bank concerned has received one s representation, or the bank rejects the complaint, or if the complainant is not satisfied with the reply given by the bank.

• 
  Period of more than one year has not lapsed after receipt of bank reply.

• 
  The complaint is not for issues already settled/dealt with Ombudsman or for which proceedings before court, tribunal or arbitrator or any other forum is pending or a decree or Award or order has been passed.

• 
   The complaint is within limitation period under Indian Limitation Act 1963.

Procedure for filing the complaint:

• One can file a complaint with the Banking Ombudsman simply by writing on a plain paper. One can also file it online or by sending an email to the Banking Ombudsman.

• Where can one lodge his/her complaint: One may lodge his/ her complaint at the office of the Banking Ombudsman under whose jurisdiction, the bank branch complained against is situated.

Other Important Points:

• The complainant can be filed by one s authorized representative (other than an advocate).

• The Banking Ombudsman does not charge any fee for filing and resolving customers’ complaints. 

• The amount, if any, to be paid by the bank to the complainant by way of compensation for any loss suffered by the complainant is limited to the amount arising directly out of the act or omission of the bank or Rs 10 lakhs, whichever is lower.

• The Banking Ombudsman may award compensation not exceeding Rs 1 lakh to the complainant only in the case of complaints relating to credit card operations for mental agony and harassment.

• If a complaint is not settled by an agreement within a period of one month, the Banking Ombudsman proceeds further to pass an award. Before passing an award, the Banking Ombudsman provides reasonable opportunity to the complainant and the bank, to present their case.

• If one is not satisfied with the decision passed by the Banking Ombudsman, one can approach the appellate authority against the Banking Ombudsmen’s decision. Appellate Authority is vested with a Deputy Governor of the RBI.

• If one is aggrieved by the decision, one may, within 30 days of the date of receipt of the award, appeal against the award before the appellate authority.

• The appellate authority may, if he/ she is satisfied that the applicant had sufficient cause for not making an application for appeal within time, also allow a further period not exceeding 30 days.

VISIT MY BLOG DAILY FOR INTERESTING UPDATES AND INFORMATION !!!

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PLEASE, DON''T  FORGET TO SHARE , COMMENT  AND LIKE,
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Automated Teller Machine [ATM] !!!

ATMs: (Automated Teller Machine):

  The ATM debit cards, credit cards and prepaid cards (that permit cash withdrawal) issued by banks can be used at ATMs for various transactions. 

Use of ATMs of Other Banks:

  i. 5 free transactions are permitted per month (inclusive of financial and/or non-financial) at other bank ATMs for Savings Bank Account holders.

 ii. For transaction beyond this minimum number of transactions, banks charge maximum of Rs 20/ per transaction. 

Personal Identification Number (PIN) :

A Personal Identification Number is a secret numeric password shared between user and a system that can be use to authenticate the user to the system. Reconciliation of failed transactions at ATMs

 i. The time limit for resolution of customer complaints by the issuing banks shall stand reduced from 12 working days to 7 working days from the date of receipt of customer complaint.

ii. Accordingly, failure to re-credit the customer’s account within 7 working days of receipt of the complaint shall entail payment of compensation to the customer @ Rs. 100/- per day by the issuing bank..
 

iii. Any customer is entitled to receive such compensation for delay, only if a claim is lodged with the issuing bank within 30 days of the date of the transaction. iv. All disputes regarding ATM failed transactions shall be settled by the issuing bank and the acquiring bank through the ATM system provider only. v. If the course of action for the customer complaint is not taken by his/her bank within the stipulated time than customer can take recourse to the local Banking Ombudsman in such situations.

 VISIT MY BLOG DAILY FOR INTERESTING UPDATES AND INFORMATION !!!

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PLEASE, DON'T FORGET TO SHARE AND LIKE,IT WILL HELP ME,YOU & OTHERS !!! =)

HQ : HEADQUARTERS OF SOME FAMOUS ORGANIZATIONS

                   ORGANIZATION ~> HQ

• UNICEF ~> NEW YORK, USA

• UNCTAD ~> GENEVA, SWITZERLAND

• UNO ~> NEW YORK, USA

• WHO ~> GENEVA, SWITZERLAND

• WMO ~> GENEVA, SWITZERLAND

• UNESCO ~> PARIS, FRANCE

• FAO ~> ROME, ITALY 

• ILO ~> GENEVA, SWITZERLAND

• OPCW ~> THE HAGUE, NETHERLANDS

• WTO ~> GENEVA, SWITZERLAND

• NATO ~> BRUSSELS, BELGIUM

VISIT MY BLOG DAILY FOR INTERESTING UPDATES AND INFORMATION !!! 
THANK YOU !!!
PLEASE, DON'T FORGET TO SHARE AND LIKE,IT WILL HELP ME,YOU & OTHERS !!! =)

Important : Current Affairs [SEPTEMBER]

"Updates September" [Miscellaneous]

1. Nod to Pension Fund Bill ... 4Sep ... PFRDA[Pension Fund Regulatory Development Authority].

2. The Global Competitiveness Report 2013 - 2014 [ 1...Switzerland 2...Singapore 3...Finland ] {INDIA ranked 60th} .

3. India Japan Nuclear Energy Deal ... 19sep ... In Tokyo.

4. In India Assembly Elections in 5states in November'13 (MP, Rajasthan, Mizoram, Delhi, Chattisgarh).

5. G20 SUMMIT : St.Petersburg,Russia ... 5sep'13.

6. New Pakistani PM ... Mamnoon Hussain.

7. New Australian PM ... Tony Abbott .

8. India's PM Manmohan Singh's US Visit ... Addressed 68th session of UN General Assembly.

9. Miss America 2013 ... Nina Davuluri.

10. Highest Civilian Airport ... CHINA ... Daocheng Yading Airport.

11. Novel in news ... The Lowland ... Jhumpa Lehri.

12. Novel in news ... Transforming Dreams ... Dr. A P J Abdul Kalam.

13. Typhoon Utor ... Hit Philippines .

14. UNCTAD (Trade and development Report) ... India's GDP to be 5.2% growth.

15. India's Agriculture Export Falls by 19% in Q1.

16. GOI [Govt of India] allowed ... 12thSep ... RBI to put $4.3bn in World Bank Bonds.

17. GAAR ... General Anti Avoidance Rules ... will come from April1,2016.

18. India 7th in coffee production.

19. In India import duty on gold raised to 15%.

20. Union Cabinet approved ... 700cr to EXIM [Export-Import] bank.

    
    

Interesting Quotes !!!

"" Comparison leads to Destruction

              WHILE

     Competition leads to Construction !!! ""

-- The thing I'm most Proud of is my NAME , Cause my Parents Gave it to ME--

Never Trust too Much on :

 People you meet & Time you have !!!

"" You can Lead From Behind Not Always From Front__Herd oF Animals ""

LIFE is like a LAMBORGHINI it goes too fast and costs too much But still you Love it =)

 *Mostly by ME =)

January Window_Transfer Rumors !!!

• LATEST...

• Basel star Mohamed Salah is eying a move to either Chelsea, Manchester United or Real Madrid.
• West Ham have Marseille striker Andre-Pierre Gignac on their transfer hit-list as they try to end their goal drought.

• Chelsea have joined Liverpool and Manchester United in the chase to sign Sevilla midfielder Ivan Rakitic.

• Barcelona's Spain U21 full-back Martin Montoya is in the last six months of his contract and it's understood Liverpool want him in January.

• West Brom are to hand Saido Berahino a huge 1,764 per cent pay rise from his previous £850-a-week wages.

• Ian Holloway is favorite to manage Bristol City despite his strong ties to rivals Rovers.

• Shay Given has returned to the North-East by joining Middlesbrough on a month's loan.

• Serbian striker Filip Djordjevic is wanted by Premier League struggle-rs Crystal Palace and Hull in January.

• John Arne Riise has been told he can leave Fulham on a free transfer in January.

• Gus Poyet has ordered unhappy striker Fabio Borini to forget about quitting Sunderland in January.

• Arsenal are reportedly preparing to make a move for Basel defender Fabian Schar.

• Liverpool want Barcelona left-back Martin Montoya, who is out of contract at the end of the season, in a bargain January deal.

• Chelsea boss Jose Mourinho is considering a loan deal for Fabio Coentrao in January, a move that would cast further doubt on Ashley Cole's future.

• Arsene Wenger's scouts will be the latest at Tannadice when they run the rule over Scottish football's hottest property Ryan Gauld on Friday evening.

• Liverpool are pursuing a move for Barcelona full-back Martin Montoya.

• West Ham are considering a loan deal for Marseille striker Andre-Pierre Gignac.

• Saido Berahino will commit his long-term future to West Bromwich Albion by signing a new three-and-a-half year deal on Friday.

•  Arsenal and Roma have made offers to Barcelona teenager Tonny Sanabria.

• Newcastle boss Alan Pardew last night admitted the club have another fight on their hands to keep Yohan Cabaye.

• Chelsea and Manchester City have been given a boost in their pursuit of PSG star Edinson Cavani after Arsenal were deterred by the striker's high wage demands.

• Aston Villa goalkeeper Shay Given has joined Middlesbrough on a month's loan.

• Arsene Wenger is hinting he could move for Liverpool target Konstantinos Mitroglou in the upcoming January transfer window.

• Tottenham want to sign Basel winger Mohamed Salah

• West Brom striker Saido Berahino is to agree a new four-and-a-half-year deal worth £15,000 a week today.

• Roberto Martinez says Leighton Baines has not played his last game for Everton and maintains he is under no pressure to sell players in January.

• Arsenal are preparing to fight Spanish giants Real Madrid and Barcelona for PSG striker Edinson Cavani in January.

• Chelsea have joined Manchester United and Tottenham in the race for Inter Milan defender Andrea Ranocchia.

• Juventus will turn to Chelsea's Kevin De Bruyne in January but only if they are not able to sign Manchester United's winger Nani.

•  Reference :

•  http://www.mirror.co.uk/ 
•  http://www.thesun.co.uk/
•  http://msn.foxsports.com/foxsoccer/premierleague

NICL AO EXAM UPDATE !!!

NICL UPDATE OF AO EXAM

Notice Update Is As Follows . . .

Dear Candidate,

Re: Written Examination held on 08/09/2013 for the post of Administrative Officer (AO)

""Further to our Notice dated 11/11/2013, posted in our Company’s website, we wish to inform you that the Written Examination for the post of Administrative Officers (both Generalist & Specialist disciplines) is now rescheduled to be held on 15th and 22nd December 2013 for the following centres. The examination centre for Hissar will be at Delhi.""

Examination Date: 15th December 2013

    Serial_No-Examination centre

1. AGARTALA
2. AIZAWL
3. DIBRUGARH
4. GUWAHATI
5. IMPHAL
6. ITANAGAR
7. KOHIMA
8. SHILLONG
9. DEHRADUN
10. LUDHIANA
11. SHIMLA
12. SRINAGAR
13. JAIPUR
14. JODHPUR
15. BANGALORE
16. CHENNAI
17. COIMBATORE
18. HUBLI
19. HYDERABAD
20. KOCHI
21. THIRUVANANTHAPURAM
22. VIJAYWADA
23. VIZAG
24. AHMEDABAD
25. BARODA
26. BHOPAL
27. INDORE
28. RAIPUR

Examination Date: 22nd December 2013

Serial_No-Examination centre

1. BHUBANESHWAR
2. KOLKATA
3. PATNA
4. RANCHI
5. SILIGURI
6. CHANDIGARH
7. ALLAHABAD
8. DELHI
9. LUCKNOW
10. PUNE
11. MUMBAI
12. NAGPUR
13. PANAJI

Fresh Admit Cards for the written examination will be sent to the email ids of the candidates and the same can be downloaded from our website www.nationalinsuranceindia.com, 7 days prior to the examination.

"" Further, any query related to the aforementioned re-examination may be sent at the following mail id:ao.recruitment@nic.co.in ""

Inconvenience caused to all concerned is sincerely regretted.

Yours faithfully,
Sd/-
(Sukanta Mishra)
Chief Manager
Personnel Department
Head Office


For Further Reference and official Notice : CLICK ME :)

IBPS PO/MT Result OUT !!!

Institute of Banking Personnel Selection (IBPS) which conducted the PO-MT-III Exam 2013 in the month of October/ November has announced the IBPS PO/MT results 2013.

Candidates all over the country who appeared for the examination conducted by the IBPS have been eagerly waiting for the PO-MT-III exam results 2013.

Candidates who appeared for the IBPS PO/MT exam 2013 may check their results on the official website at www.ibps.in

OR


Click here to View Result Status of CWE PO/MT-III

 Procedure :

1..Log on to the official website at www.ibps.in

2..Click the appropriate link IBPS PO-MT-III results 2013

3..Enter Roll number or Registration number.

4..Then Enter date of birth or password.

5..Click SUBMIT

G20 2010 SPYING !!!

"" An undated aerial handout photo shows the NSA headquarters building in Fort Meade, Maryland ""

Credit: Reuters/NSA/Handout via Reuters

 CANADA LET NSA SPY ON G20 SUMMIT

 

CANADA allowed US NSA to conduct widespread surveillance during the 2010 Group of 20 Summit in Toronto, according to a CBC report that cited documents from former NSA contractor Edward Snowden.

The report by CBC news late on Wednesday cited briefing notes it said showed the United States turned its Ottawa embassy it to a security command post during a six day spying operation by the top-secret US Agency  as President Barack Obama and other world leaders met that June.

Reuters hasn't seen the documents and thus can not comment on the authencity of the same.

The report said the operation was no secret to Canadian authorities, with an NSA briefing note describing the operation as "closely coordinated with the Canadian partner." The Canadian equivalent of the NSA is the CSEC.

The CBC report said the documents did not reveal the precise targets of the NSA operation, but described part of the US eavesdropping agency's mandate at the Toronto summit as "providing support to policymakers." A spokesman for Canadian PM Stephen Harper declined to comment on the allegations in the CBC report.

"We do no comment on operational matters related to national security. Our security organizations have independent oversight mechanisms to ensure that they fulfill their mandate in accordance with the law," Jason MacDonald said in an email.

Harper had earlier come under fire from opposition politicians last month after a report by a Brazilian Broadcaster alleged CSEC spied on a Brazilian government ministry. That report strained ties with Brazil.

Acronyms : 
NSA.......National Security Agency
CSEC.....Communication Security Establishment Canada
CBC.......Canadian Broadcasting Corporation





For Further Reference :"Reuters"

http://www.cbc.ca/news/politics/new-snowden-docs-show-u-s-spied-during-g20-in-toronto-1.2442448
http://www.thestar.com/news/canada/2013/11/27/canada_knew_us_spying_on_g20_cbc_report.html
http://www.torontosun.com/2013/11/28/us-spied-during-2010-g20-summit-in-toronto-snowden-leak

Google Nexus 5 Review !!!

Google Nexus 5 review - Android 4.4 mobile phone

A GOOD buy in my view !!! In the budget :)

Call of Duty: GHOSTS !!!

""COD:GHOSTS""

Minimum System Requirements

• Win7 / Win8 [64-Bit]

• CPU: Intel Core 2 Duo E8200 2.66 GHZ OR AMD Phenom X3 8750 2.4 GHZ [OR better] 

• RAM: 6 GB RAM + HDD: 40 GB space

• Graphics Card: NVIDIA GeForce GTS 450 / ATI Radeon HD 5870 [OR better]

• Sound: DirectX Compatible Sound Card + DirectX: 11

Recommended System Requirements

• Win7 / Win8 [64-Bit] + Intel Core i5 – 680 with 3.6GHz

• RAM: 8 GB RAM + HDD: 40 GB space

• Graphics Card: NVIDIA GeForce GTX 760 @ 4GB

• Sound: DirectX Compatible Sound Card + DirectX: 11

Reference=> *GeForce.com*

""""Internet: Broadband connection and service required for Multiplayer Connectivity. Internet connection required for activation.""""

Important Links Regarding Banking Updates (^-^) FOR ibps eXam !!!

--LINK 1--

--LINK 2--

--LINK 3--

--LINK 4--

--LINK 5--

Important and Interesting Updates {IBPS Clerical Vacancy Regarding}

    Mainly Updates regarding    (Finance and Banking and Misc)

*BPLR : Benchmark Prime Lending Rate

*IFC : International Finance Corporation,184memeber countries-->$1bn offshore Rupee Bonds to Strength Indian Capital Market

*NASA Curiosity Rover : MARS air mostly has CO2 i.e CarbondiOxide.

* IORARC : Indian Ocean Rim Association for Regional Cooperation


* SIDBI.....Wholly Subsidiary of  IDBI !!!

*UIDAI...Unique Identification Authority of India implements Aadhar Scheme !!!

* INDIA will be a Polio Free Nation by 2014

///RBI expand Credit of Banks

                                                     via Decreasing BANK RATE///

*Ratios and Rates Latest...Click ME

 ""Rating Parameter for foreign Banks""

C->Capital Adequacy Ratio
A->Asset Liability
L->Liquidity
C->Compliance
S->System Control

*FMC -> Forward Market Commission (Regulator of commodity market in India)

*Largest OIL importer [CHINA]

*What is Instant Cash -> "Instant Electronic Money Transfer Service"

*NOTICE MONEY MARKET__Funds Transacted BY BANKS

*1st Malaria Vaccine : RTSS_British Drug Maker->Glaxo Smith Kline

*GOLDEN PEACOCK AWARD : CANARA BANK [in corporate governance ]

"" Nationalised Bank also known as Grameen Bank ""

*ASHA : Accredited Social Health Activists_By Government of India

*WORLD INVESTMENT REPORT : BY UNCTAD

*Micro_Credit : Loans of very small Amounts to Low Income Groups

*Maximum Wage under MGNREGA @ Haryana from April'13 { WAGE =  214 !!! }

*RBI to auction Inflation Indexed Bonds pegged to WPI  

*TESSAS [Tax Exempt Special Savings Accounts]

That's It  for nOw ... Hope It Proves Importnat For You !!! 

"In My Next POST I'll be sharing some Important Links for YOU Considering Banking Updates"

 Do Comment and Share Your Experience !!!

Ask Queries...I'll get all the possible  details for You :)
THANK YOU :)