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Well? Let’s see.This is a better question than a lot of questions I’ve read because instead of pointing and complaining about what has been or has not been done, it examines what could have been.We can look at what has happened in the US, and argue, or we can compare it to what has happened in South Korea, and make a comparison between one country which took this seriously from the start, and another which … well… didn’t.One more thing. Yes, I know the United States has a larger population than South Korea’s. Every time I talk about numbers in South Korea, I’m going to then multiply those numbers by 6.3 and show you the “US population equivalent.”Looking at today, in order to account for the larger population, the comparison is 793K cases and 42.5K deaths in the US vs 68K cases and 1,506 deaths in a South Korea, 6.355 times as populous. Make sense?Let’s get started.The United StatesThe United States in 2018 and 2019 slashed more than 2/3 of its staff at the Beijing office of the CDC as part of a larger pullback of US-funded health and science experts on the ground in China. (Exclusive: U.S. slashed CDC staff inside China prior to coronavirus outbreak.)On May 10, 2018, Trump Fired Rear Adm. R.Timothy Zeimer, the administration’s senior director for Global Health Security and biodefense, the official responsible for leading US Response in the event of a Pandemic and the global health security team he oversaw. — Note: The date on that linked article is May 10, 2018, so you understand it’s not a criticism in hindsight. That article was saying “WTF” a year and a half before this virus first showed up in Wuhan.ChinaOn Dec 31, 2019, China reported a cluster of cases of pneumonia in Wuhan, Hubei Province. As of January 3rd, a total of 44 patients with pneumonia, - 33 stable, 11 severely ill- were reported to the WHO by the national authorities in China. On January 5th, the WHO released this statement: Pneumonia of unknown cause – ChinaOn January 7, Chinese authorities confirmed that the virus is a novel coronavirus. The WHO initially named it 2019-nCOV.On January 10, the WHO issued a package of technical guidance to all countries on how to detect, test and manage potential cases based on what was known at the time.On January 11, Chinese authorities acknowledged that a 61-year-old man, exposed to the virus at the seafood market in Wuhan, had died from respiratory failure caused by severe pneumonia on January 9.On January 12, China publicly shared the genetic sequence of COVID-19.On January 13, officials confirmed a case of COVID-19 in Thailand, the first recorded case outside of China.South KoreaOn January 3 - Based on information shared between the South Korean CDC Chinese liaison office and the Chinese Government, South Korea began enhanced Quarantine and screening measures for individuals entering from Wuhan. (This is why it’s a good idea to have a fully staffed office in China.)On January 20, the first case of COVID-19 was detected during a screening at Incheon International Airport in South Korea. The Republic of Korea Government updated its infectious disease Alert National Crisis Management System from Blue to Yellow. News & Welfare Services > Press Release View ContentOn January 21, all individuals traveling to Korea within 14 days of visiting Wuhan were required to submit a health Questionaire and report fever or respiratory symptoms to a Quarantine officer.The United StatesOn January 21, US Officials in Washington State confirmed the first Case on US soil, one day after the first case was detected in South Korea.On January 22 - Asked by a CNBC reporter if there were any worries about a potential pandemic, Trump replied: “No. Not at all. And-- we’re-- we have it totally under control. It’s one person coming in from China, and we have it under control. It’s—going to be just fine.”On January 24 - Trump praised China for its efforts to prevent the spread of the virus in a tweet: Donald J. Trump on Twitter"China has been working very hard to contain the Coronavirus. The United States greatly appreciates their efforts and transparency. It will all work out well. In particular, on behalf of the American People, I want to thank President Xi!"South KoreaOn January 27, The South Korean government (to make it easier on my wrists, I will begin using “ROK” for “Republic of Korea”) changed its infectious disease alert category from yellow to orange. South Korean health officials convened representatives from over 20 medical companies at a train station in Seoul to discuss the urgency of an effective test and to guarantee expedited regulatory approval. Special Report: How Korea trounced U.S. in race to test people for coronavirusOn January 28, ROK Ministry of Health and Welfare announced full inspections for all Koreans and foreigners who had entered Korea from Wuhan in the previous 14 days. The KCDC expanded it’s case definition of contaminated areas to include all of Mainland China.On January 29, The KCDC and the National Health Insurance Service opened 1339 Call Centers as an expansion of resources available to the Public to handle an increased number of consultation calls. The KCDC recommended that anyone presenting signs of fever or respiratory symptoms after visiting the Hubei provinces should consult a health facility or the call center, and avoid being outdoors.The United StatesJanuary 27 - Joe Biden wrote an editorial for wide publication. In it he warned Americans about what was coming, pointed out the problems with the Administration's response to that point and laid out how he would have dealt with it differently. Joe Biden: Trump is worst possible leader to deal with coronavirus outbreakOn January 29 - The White House announced a task force that would help monitor and contain the spread of the virus and provide Americans with accurate and up to date health and Travel Information.On January 30 - First case of person-to-person transmission of Wuhan virus in the US confirmed At an Iowa Campaign rally, Trump talked about the US partnering with China to control the disease."We only have five people. Hopefully, everything's going to be great. They have somewhat of a problem, but hopefully, it's all going to be great. But we're working with China, just so you know, and other countries very, very closely. So it doesn't get out of hand."That same day, WHO Director-General Tedros Adhanom Ghebreyesus described the outbreak as "public health emergency of international concern over the global outbreak of novel coronavirus."On January 31 - The Trump Administration announced it would deny entry to foreign nationals who had traveled to China in the last 14 Days. The ban, which Trump continues to call a “very strong ban” does not include anyone but non-US Citizens or residents or their families coming from China. If you are a permanent US resident or even just a family member of a permanent resident, even if you have been in Wuhan for the last month, you are free to return to the US. The same people would have been sent through an entirely separate Airport terminal in Korea, immediately screened for symptoms, tested for the virus and required to self quarantine for a minimum of 2 weeks. Here, no checks are made on your health, no restrictions placed on your movement. The “very strong ban” only blocks foreigners from entering the country.South KoreaOn January 30 - Approximately 250 people from the Ministry of Health and Welfare, Ministry of National Defense and the Korean National Police Agency were stationed at Incheon International Airport's quarantine checkpoints.The Ministry of Health and Welfare announced that the Epedimic Prevention Budget fo 20.8 BillionKRW ($17M USD) would be swiftly executed to “ensure preemptive epidemic prevention.” The Ministry also announced that ROK would be sending chartered flights to Wuhan and surrounding areas to bring Korean citizens back home.On January 31 - The first chartered plane From Wuhan returned 368 people to Korea. 2 tested positive for the virus. Korean pharmacies were given the ability to check patients’ travel histories through the National health care system’s Patient Status Checking System.On February 1 - As the second chartered flight landed, the Korean Occupational Safety and Health Agency began supplying 720,000 masks to workplaces that may be more vulnerable to infectious diseases, including construction, manufacturing and the service industries.On February 2 - The Ministry of Health and Welfare required anyone who had been in contact with patients who had tested Positive for COVID-19 to self-isolate for 14 days, and required all travelers from China in the past 13 days who were symptomatic to undergo diagnostic exams. All travellers from China were directed to a separate arrival hall at Incheon International Airport and were required to submit their domestic addresses and contact numbers. Restrictions were placed on Visa issuance. All foreigners from Hubei province were denied entry.The United StatesOn February 2 - Trump’s executive order banning anyone who has been in China in the past 14 days went into effect. It excluded US residents and their families or spouses of US residents or citizens. It was Superbowl Sunday. Trump was interviewed by Sean Hannity, and when asked says "We pretty much shut it down coming in from China."South KoreaOn February 3 - The Ministry of Interior and Safety announced it would spend 4.8 billion KRW on emergency aid. The Ministry of Health and Welfare released “Guidelines on the Operation of Group Facilities and Facilities Frequented by Large Groups of People.” Social welfare facilities including daycare centers, senior care facilities and disability facilities were directed to temporarily close if they were informed of any occupants or visitors who tested positive for COVID-19 or were in contact with individuals who tested positive.On February 4 - The ROK Government announced the approval of test kits manufactured by KoGene Biotech Co LTD. It was a risky move, the tests had only been briskly vetted, but they circled back later to spot check effectiveness. All foreigners who had been in Hubei in the last 14 days were banned from entering Korea until further notice. Special screening was added to immigration procedures requiring the rise of a self-diagnosis mobile app.On February 7 - A newly developed test kit capable of producing results in 6 hours was made available at 50 health facilities. Private health care providers and city and Province level public health and environmental research institutes were designated as additional testing facilities. the daily diagnostic test supply was increased from 200 to 3000. The number of screening clinics was increased to 556, up from 288 set up by January 28.The United StatesOn February 10 - Trump spoke at a campaign rally in Manchester NH."Looks like by April, you know, in theory, when it gets a little warmer, it miraculously goes away. I hope that's true. But we're doing great in our country. China, I spoke with President Xi, and they're working very, very hard. And I think it's going to all work out fine."That same day, The Royal Caribbean ship “Anthem of the Seas,” set sail from Bayonne, New Jersey after a coronavirus scare had kept it docked and passengers waiting for days.On February 13 - In an interview with Geraldo Rivera, Trump downplayed the threat of the coming pandemic:"In our country, we only have, basically, 12 cases, and most of those people are recovering and some cases fully recovered. So it's actually less."South KoreaOn February 12 - Seegene Inc becomes the second South Korean company to receive government approval for its test kits. A Self Diagnosis Mobile App, allowing users to monitor health and access information such as follow up action and clinic locations became available to the public. The KCDC announced stricter quarantine screening measures for travelers from Hong Kong and Macao. A third chartered flight brought 147 more people home to Korea from Wuhan.On February 13 - The Ministry of Health and Welfare announced that it would partner with companies producing test kits and private testing institutions to increase test kit supply and daily diagnostic test capacity to 10,000 tests within the coming weeks.South KoreaOn February 16 - Daily testing limit was increased to 5000.On February 18 - A new COVID-19 patient was confirmed, a member of the Shincheonji Church in Daegu City known as “Patient 31” became known as a “super spreader.” A massive spike in patients came over the next few days. The patient had never traveled abroad. COVID-19 was now seeing community spread in Daegu.On February 19 - The KCDC and the Ministry of Health and Welfare (MOHW) dispatched a task force to Daegu to implement disease control measures with the local government.On February 20 - The first death related to COVID-19 was recorded in South Korea.February 23 - ROK Government increased the Infectious Disease Alert from Orange to Red. The MOHW requested all citizens of Daegu to voluntarily self-quarantine for at least two weeks and anyone displaying symptoms to be tested as soon as possible. They also launched a “Public Reassurance Hospital Program” which separated respiratory patients from non, and allowed patients to consult physicians and receive prescriptions virtually. Kyungpook National University Chilgok Hospital began operating the first Drive Through Testing Checkpoint.The United StatesOn February 24 - Trump tweeted:"The Coronavirus is very much under control in the USA. We are in contact with everyone and all relevant countries. CDC & World Health have been working hard and very smart. Stock Market starting to look very good to me!"On February 26 - CDC officials said that a California patient being treated for novel coronavirus was the first US case of unknown origin. The patient did not have any travel history to infected areas nor exposure to another known patient, and was the first possible US case of "community spread." Trump placed Vice President Mike Pence in charge of the US Government response to the outbreak. In a news conference he said:"When you have 15 people, and the 15 within a couple of days is going to be down to close to zero, that's a pretty good job we've done."60 people in the United States were infected.South KoreaOn February 26 - Daegu officials announced that every member of the Shincheonji Church where “Patient 31” was a member would be tested whether or not they were displaying symptoms. Goyang City began operating a drive through Testing Station, the first such station operated by a local government. The Ministry of Interior and Safety announced 51.3 B KRW (About $42M) in aid to 17 cities including about $8M to DaeguOn February 28 - Ministry of Economy and Finance announced that the rent cost for small and medium enterprises would be reduced by 20–35% for the next 6 months. The KCDC began collecting chronological epidemiological data from investigations and quarantine related measures KCDC. South Korea’s political candidates halted political campaigning for the April elections and moved all campaigning efforts to Social Media and other platforms.On February 29 - South Korea hit its peak in daily new cases with 909. The equivalent in the US would have been 5,777. South Korea: COVID-19 daily new cases 2020 | Statista The KCDC advised all ROK citizens to maintain personal hygiene and practice “Social Distancing” until early March.The United StatesOn February 29 - A state health official announced a patient infected with COVID-19 in Washington State had died, the first death due to the Virus in the US. Washington Gov. Jay Inslee declared a state of emergency, directing state agencies to use all resources necessary to respond to the outbreak.On March 1 - Florida Gov. Ron DeSantis declared a Public Health Emergency in Florida. Kentucky, New York, Maryland, Utah, and Oregon follow suit over the course of the next few days.On March 3 - The Fed cut interest rates by half a percentage point in an effort to jolt the economy.On March 4 - The CDC removed earlier restrictions that limited COVID-19 testing of the general public to people in the hospital. According to the CDC, clinicians should now "use their judgment to determine if a patient has signs and symptoms compatible with COVID-19 and whether the patient should be tested."On March 5 - In a Fox News town hall, Trump said:"It's going to all work out. Everybody has to be calm. It's all going to work out."South KoreaOn March 5 - ROK Government announced it would buy 80% of the national mask supply starting March 6, and implement a 5-day rotation allowing only 2 masks to be purchased per person.On March 7 - ROK Government announced a GPS-based app to enforce self-quarantine measures. The app monitors the locations of individuals who are quarantined and sets off an alarm if they leave their designated quarantine location.On March 9 - Special immigration measures that previously applied to Korean citizens and foreigners from China were expanded to include Japan.On March 10 - Deagu officials announced they had tested almost all 10,000 members of the church in the immediate area and that 40% had tested positive. The Ministry of Education postponed the start of the new school year until March 23.The United StatesOn March 10 - In a meeting with Republican senators at the U.S. Capitol, Trump said:"This was unexpected. ... And it hit the world. And we're prepared, and we're doing a great job with it. And it will go away. Just stay calm. It will go away."On March 11 - Trump in an Oval Office address: "The vast majority of Americans, the risk is very, very low." The same day, the WHO characterized COVID-19 as a pandemic. Trump announced he was restricting travel from Europe to the US for 30 days in an attempt to slow the virus. The ban applied only to foreign nationals. US Citizens and permanent residents would be screened before entering the country.On March 13 - Trump declared a national emergency to free up $50 billion in federal resources.South KoreaOn March 15 - Special immigration procedures were expanded to travelers from most of Europe and the Middle East.On March 16 - Travelers who visited Europe prior to entry were instructed to minimize movement, adhere to personal hygiene measures and keep watch for fever or respiratory symptoms for the next 14 days.On March 17 - The ROK Government declared Daegu city, Gyeongsan City, Cheongdo-Gun and Bonghwa-Gun as special disaster areas due to the high number of cases in the area. The MOHW postponed reopening child care centers to April 5. The Ministry of Education delayed school openings to April as well. The NEC suspended election-related affairs in Wuhan, China, meaning South Korean citizens in the Wuhan area would be unable to vote.On March 18 - The Ministry of Interior and Safety announced an additional 51.9B KRW (about $42M) in aid would be provided to 10 cities. The KCDC advised postponing or canceling all non-urgent International travel.On March 19 - Special Immigration procedures were expanded to everyone entering Korea.The United StatesOn March 16 - At a press briefing, Trump issued orders to control the spread of the virus in the US."My administration is recommending that all Americans, including the young and healthy, work to engage in schooling from home when possible. Avoid gathering in groups of more than 10 people. Avoid discretionary travel. And avoid eating and drinking at bars, restaurants, and public food courts. If everyone makes this change or these critical changes and sacrifices now, we will rally together as one nation and we will defeat the virus. And we're going to have a big celebration all together. With several weeks of focused action, we can turn the corner and turn it quickly."On March 17 - Trump told reporters:"This is a pandemic. ... I felt it was a pandemic long before it was called a pandemic."On March 18 - Congress passed a small coronavirus relief package and Trump signed it into law. It included provisions for Free testing for COVID-19 and paid emergency leave.South KoreaOn March 22 - The KCDC announced all inbound travelers from Europe would be tested for COVID-19. Korean citizens and foreigners planning for long-term stays were asked to self-quarantine for 14 days, and foreigners planning for short-term stays were asked to remain under active monitoring.On March 23 - the KCDC advised all individuals in the ROK to observe an “Enhanced Social Distancing Campaign” through April 5 by staying home other than “going to work, visiting a health care provider or purchasing necessities.”On March 24 - The KCDC expanded its entry testing program. Korean citizens who were asymptomatic would be required to self-quarantine at home and get tested at their local public health center within three days of arrival. Foreigners would be tested and isolated at quarantine facilities. Individuals planning for long-term stays who tested negative were required to self-quarantine at their domestic address for 14 days.On March 25 - The KCDC announced all travelers arriving from the US would be tested for COVID 19 at the airport. Individuals who tested positive would be transferred to a hospital or "Life Treatment Center," while Korean citizens and foreigners with a domestic address who were asymptomatic and tested negative would be required to self-quarantine at home for 14 days. Foreigners planning for short-term stays without a domestic address would be tested at a facility, and individuals who test negative would be granted entry under "enhanced active monitoring."The United StatesOn March 24 - Trump said:"Easter is a very special day for me. And I see it sort of in that timeline that I'm thinking about. And I say, wouldn't it be great to have all of the churches full?"On March 25 - Congress and the White House agreed on a massive $2 Trillion economic stimulus package to offset the economic damage of the coronavirus.On March 27 - Trump signed the stimulus package into law.South KoreaMarch 28 - The number of Recovered COVID-19 patients in South Korea surpassed the number of patients in Quarantine or Isolated Treatment. South Korea had effectively flattened the curve.Cases in the US were already double Korea’s US Equivalent number. Even when Korea’s numbers were multiplied by 6.3 to account for the difference in population, twice as many people had died, and it was only Mar 28.It has been 23 days since South Korea’s intensive testing and aggressive quarantining policies flattened their curve.In that time, 1,205 more people in South Korea have been diagnosed and 93 more people have died.In that same time, 670,306 people in the US have fallen ill, and 40,294 have died.In case you missed this link before, hit it now: Special Report: How Korea trounced U.S. in race to test people for coronavirus.Read this timeline and tell me again “No one could have done better.”Horseshit. I just showed you that it WAS done better.To the tune of 41008 fewer people DEAD. And we’re still climbing. Here’s what our numbers look like since South Korea flattened their curve:Look at that and ask your question again. Did Trump fail on coronavirus?Look again and see something that should scare the shit out of you. Those numbers are still going UP.Does that look like anyone is doing a good job?Because it scares the shit out of me.

The following are some questions asked during the course of one mock interview conducted by one training institute at Chennai1) Repo rate, Current Reporate.2) Bank rate, MSF (Repo rate are rates at which commercial bank takes loan from rbi against the securities kept with RBI and marginal standing facility was released in May 2011. The main purpose was to eliminate the volatality of the overnight money market. The rates are usually 1% higher than repo.)3) Base rate4) What are the Demand Deposits and Time deposits ?(Demand deposits and term deposits differ in terms of accessibility or liquidity, and in the amount of interest that can be earned on the deposited funds. Demand deposits and term deposits refer to two different types of deposit accounts available at a bank or similar financial institution, such as a credit union.)(Time Deposit - a deposit in a bank account that cannot be withdrawn before a set date or for which notice of withdrawal is required.)5) When a minor, aged 8 comes to bank with his grandmother, will you open an account inthe name of minor ?6) Hen’s hatching Period ?7) Name the agriculture development Bank, who will provide thte subsidy to farmers for agriculture development ?8) Different types of loans for Agriculture ?9) What are the two Schemes introduced by Narendra Modi related to Banking ? Expalin10) KYC norms ? (Know your customer (KYC) is the process of a business verifying theidentity of its clients. The term is also used to refer to the bank regulation which governs these activities.)11) Which document is mandatory for the customer to deposit around ` 1 crore ?12) Balance Sheet - Details13) Will you work in rural areas ?14) What is the purpose of Commercial Banks & Development Banks ? Name two each?15) What is the minimum and maximum period of Fixed Deposit ?16) Procedures to Deposit Money17) What is the NOSTRO account ?18) What is the meaning of Negotiable ?19) What are the Non-Negotiable instruments ?20) What is special crossing? (Often cheques are crossed with two parallel transverse lines and in between the two parallel lines the words “a/c payee "or “a/c payee only "are written. - This means that the proceeds of the cheque are to be credited to the account of the payee only. - This type of crossing is also called “restrictive crossing”)21) What you willdo when the cheque is crossed by two banks ?22) Can NABARD give loans to Farmers ?23) What is the expansion of UAV ?24) What are the deposits available in Bank ?25) What is PMJDY Scheme ?Pradhan Mantri Jan Dhan Yojana (PMJDY) is a nationwide scheme launched by Indian government in August 2014. In this scheme financial inclusion of every individual who does not have a bank account is to be achieved.The scheme will ensure financial access to everyone who was not able to get benefits of many other finance related government schemes. These financial services include Banking/ Savings & Deposit Accounts, Remittance, Credit, Insurance, Pension which will be made available to all the citizens in easy and affordable mode.26) What are the insurance in PMJDY scheme ? (Life Cover under Pradhan Mantri Jan Dhan Yojana)27) What is Your Strength & Weakness ?28) What is the facility (Irrigation) introduced by M.S.Swaminathan29) About Hobbies30) What is Bank Assurance ?31) Name some Health Insurance Companies ?32) What are the functions of an Bank ?33) Can order cheque be converted into bearer cheque ?34) Name the General Insurance Companies ?35) Validity of a cheque ?36) Meaning of Your Name ?37) About Native Place & Its specials38) Is Interview Necessary ?39) D/B Simple Interest & Compound Interest40) Parties of Cheque?41) Present RBI Governor ?42) First RBI Governor?43) First Indian RBI Governor ?44) R/B Banker & Customer, mentioned in which ACT ?45) Security features in ATM room ?46) If a customer (VIP) deposits a Counterfeit notes, what will you do ?Counterfeit money is imitation currency produced without the legal sanction of the state or government. Producing or using counterfeit money is a form of fraud or forgery. Counter feiting is almost as old as money itself47) Who received Bharat Ratna Award recently ?48) What is the name of signature behind the cheque?49) Value of IT rabate.50) CAMELS abbreviations ?(Capital, Asset Quality, Management, Earnings, Liquidity, and Sensitivity (creditworthiness assessment system)51) IFSC code used for ?52) Banking Ombudsman ?(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 Scheme is introduced under Section 35 A of the Banking Regulation Act, 1949 by RBI with effect from 1995.)53) Who is the Present President of India ?54) Whos is the Present Finance Minister ?55) Tamilnadu CM Jayalalitha case heared in ? (Bangalore, Karnataka)56) Whom confirm Jayalalith case verdict ?57) Whom release Jayalalitha verdict case ?58) Which loans are provided to a person to manufacture the product ? e.g., Water bottle59) Letter of Credit means ? (a letter issued by a bank to another bank (especially one in a different country) to serve as a guarantee for payments made to a specified person under specified conditions.)60) Bank Guarantees means? (A guarantee from a lending institution ensuring that the liabilities of a debtor will be met. In other words, if the debtor fails to settle a debt, the bank will cover it.)61) Situation Question : When you are working as a PO in Public sector bank, And near of your branch, So many Private and Public sector banks are there. And How will you attract the people towards your bank?62) Non performing assets ? (A Non-performing asset (NPA) is defined as a credit facility in respect of which the interest and/or installment of principal has remained 'past due' for a specified period of time. In simple terms, an asset is tagged as non performing when it ceases to generate income for the lender.)63) Chennai Flood Related Questons64) Who are all scored Double century in ODI cricket?65) What is Recent record in Cricket ?66) Difference between FCNR & RFC ?67) What is your part during Chennai floods ?68) What is the meaning of your name ?69) Situation Question : What will you do if your husband gets foreign opportunity, You will quit the job. So, why should we select you?70) Chairman of SBI71) Situation Question : Suppose if you are an Assistant Manager, only you and clerk are in the bank. A person comes and deposits a huge amount, then two robbers comes and threatens you with knife to give them money. What will you do?72) Para Banking ? (Banks can undertake certain eligible financial services or para-banking activities either departmentally or by setting up subsidiaries. Banks may form a subsidiary company for undertaking the types of businesses which a banking company is otherwise permitted to undertake, with prior approval of Reserve Bank of India.)73) Retail Banking ? (Retail banking also known as Consumer Banking is the provision of services by a bank to individual consumers, rather than to companies, corporations or other banks. Services offered include savings and transactional accounts, mortgages, personal loans, debit cards, and credit cards)74) What are the documents you should have when you drive a 2-wheeler?75) RC book is issued by which authority ?76) Services of ATM77) Which bank cancelled withdrawal receipt issue recently ?78) Who is Chennai Mayor ?79) Three principles of Insurance ?80) What you have to check, if you buy a land ?81) Life & Non-Life Insurance ?82) Hobbies : What are the novels have read ?83) Questions related to Cooking ?84) Positive & Negative points about urself ?85) Who issued EC certificate which is related to housing ?86) Off-sheet Balance items87) I opend an account in a bank & name my wife as a nominee, should we tell that she is the nominee person for the account opened by her spouse?88) What is the Sundry debtors ?89) Where is your spouse working ?90) Did you help him in his work ?91) Auto loans proof ?92) What is Pay slip ?93) What is withdrawal slip ?94) If you want to transfer your account from UP to Tamil Nadu, what are the documents yourequire?95) What is DRA ? (The Developmental Reading Assessment (DRA) is a standardized reading test used to determine a student's instructional level in reading. The DRA is administered individually to students by teachers and/or reading specialists.96) Chief of three Defence Forces?97) Recently our Prime Minister, visited unexpectedly to which country ? Was the motive good or not ?98) Priority sector advances (Priority sector refers to those sectors of the economy which may not get timely and adequate credit in the absence of this special dispensation. Typically, these are small value loans to farmers for agriculture and allied activities, micro and smallenterprises, poor people for housing, students for education and other low income groups and weaker sections.)99) No of states, recently included states ?100) Chief Minister of Telangana ?101) Types of debentures102) How many payment banks are there ?103) Who is M.S.Subulakshmi104) What is correspondent bank ?105) What is soft bank ?106) Tell about your family107) How to identify counterfeit notes ?108) What is depreciation in Balance Sheet ?109) Women Chief Ministers of India110) What are the subsidy for Housing for all schemes ? Why only women are eligible?111) Tell me five famous womens of India112) Situation Question : When a person from Rural Area has got a loan and he is not giving back and you are given the responsibility to collect it from him. What you’ll do?113) What is hard copy ?114) How you’ll arrange mirror imaged icons in PC screen ?115) Balance Sheet Items - Assets & Liabilities116) Working Capital ratio117) Current ratio118) Max loan granted by payment banks - No loanHow do payment banks earn ? - Through RemittancesWhat are remittancesNo of Payment Banks119) Does required to be verified from the cust who wants to avail Housing loan ?120) About Tatkal Banking121) Explain in Tamil, any 2 functions of a bank122) NSE & BSE - No of listed companies - Name some PSU’s listed ?123) Name few PSB’s esablished in foreign countries.124) What are the Documents required for a Proprietor firm, Partnership firm of public ltd company ?125) What is Revenue Reseve & Capital Reserve126) About DICGC : (Deposit Insurance and Credit Guarantee Corporation ( DICGC) is a subsidiary of Reserve Bank of India. It was established on 15 July 1978 under Deposit Insurance and Credit Guarantee Corporation Act, 1961 for the purpose of providinginsurance of deposits and guaranteeing of credit facilities. DICGC insures all bank deposits, such as saving, fixed, current, recurring deposits for up to the limit of Rs. 100,000 of each deposits in a bank)127) About ECGC (The ECGC Limited is a company wholly owned by the Government of India based in Mumbai, Maharashtra. It provides export credit insurance support to Indianexporters and is controlled by the Ministry of Commerce.)128) What is SDR ? (The Special Drawing Right (SDR) is an international reserve asset, created by the IMF in 1969 to supplement the existing official reserves of member countries. The SDR is neither a currency, nor a claim on the IMF. Rather, it is a potential claim on the freely usable currencies of IMF members.)129) What is MSF ? (Marginal Standing Facility (MSF) is a new scheme announced by the Reserve Bank of India (RBI) in its Monetary Policy (2011-12) and refers to the penal rate at which banks can borrow money from the central bank over and above what is available to them through the LAF window)130) About Hobbies (Mentioned No Hobbies in BIO-DATA, suggested to mention at least one hobby)131) CGTMSE(The main objective is that the lender should give importance to project viability and secure the credit facility purely on the primary security of the assets financed. The other objective is that the lender availing guarantee facility should endeavor to give composite credit to the borrowers so that the borrowers obtain both term loan and working capital facilities from a single agency. The Credit Guarantee scheme (CGS) seeks to reassure the lender that, in the event of a MSE unit, which availed collateral free credit facilities, fails to discharge its liabilities to the lender, the Guarantee Trust would make good the loss incurred by the lender up to 75 / 80/ 85 per cent of the credit facility.)132) Horizontal merger (Horizontal merger is a business consolidation that occurs between firms who operate in the same space, often as competitors offering the same good or service)133) Communication System (from my PG subject)134) Banking Hierarchy135) About Natural Guardian(A child's parent. In divorce situations, the parent with custody is considered the natural guardian. The opposite of a natural guardian is an appointed guardian or legal guardian, who must be authorized by a court or a will to care for and make decisions on behalf of a minor child. Of particular concern are financial and medical decisions; since minor childrengenerally do not have legal authority to make such decisions, their natural or legal guardian must authorize them.)136) Technical questions related to My Subject- Types of Circuits- Open circuit & closed circuit- About three phaces (RYB)- About Earthing137) Situation Question :If you are a Assistant Manager in a Bank, your superior person told you to grant loan for a person who he knows, But the documents submitted by the person is not valid, what you will do at that time ?138) Sheep loan139) Tax Deducted at source for Deposits140) Tripatriate Free Trade Agreement141) Management142) Active Voice / Passive Voice143) Current Ratio - Current Assets / Current Liabilities144) Tangible / Intangible assets(Tangible assets include both fixed assets, such as machinery, buildings and land, and current assets, such as inventory. The opposite of a tangible asset is an intangible asset. Nonphysical assets, such as patents, trademarks, copyrights, goodwill and brand recognition, are all examples of intangible assets.)145) Current / Non Current Assets(A noncurrent asset is an asset that is not likely to turn to unrestricted cash within one year of the balance sheet date. (This assumes that the company has an operating cycle of less than one year.) A noncurrent asset is also referred to as a long-term asset.)146) SBI Registred Office147) SBI Established Date148) Head Quarters of few Banks149) Difference between normal cheque and CTS150) Relationship between Depositor and Banker151) Relationship between person who is having safe deposit locker and banker.152) Emblem in currency note of Rs.500153) Emblem in currency note of Rs.10154) Break even point (In economics and business, specifically cost accounting, the break-even point (BEP) is the point at which cost or expenses and revenue are equal: there is no net loss or gain, and one has "broken even.")155) Dandi Yatra (On 12 March 1930, Gandhi and 78 satyagrahis many of them were scheduled castes, set out on foot for the coastal village of Dandi, Gujarat, over 390 kilometres (240 mi) from their starting point at Sabarmati Ashram.)156) BSBDA(Basic Savings Bank Deposit Account (BSBDA) is a Zero Balance Savings Account that takes care of your simple banking needs with Free ATM card, monthly statement, and cheque book.)157) Minimum Balance for BSBDA158) Regarding Plastic Money(Plastic money is a term that is used predominantly in reference to the hard plastic cards we use everyday in place of actual bank notes. They can come in many different forms such as cash cards, credit cards, debit cards, pre-paid cash cards and store cards.)159) Blind person conditions while Opening a Account160) Dormant Account(DEFINITION of 'Dormant Account' When there has been no financial activity for a long period of time, other than posting of interest, an account can be classified as dormant. Statute of limitations usually does not apply to dormant accounts, and funds can be claimed by the owner or beneficiary at any time.)161) ALM (Application lifecycle management (ALM) is the supervision of a software application from its initial planning through retirement. It also refers to how changes to an application are documented and tracked.)162) NPA(A Non-performing asset (NPA) is defined as a credit facility in respect of which the interest and/or installment of Bond finance principal has remained 'past due' for a specified period of time. NPA is used by financial institutions that refer to loans that are in jeopardy of default.)163) Risk faced by Banks - Market, Operational, Credit Risk ?164) Syndicate Bank Head Quarters165) Delhi - Banks Headquarters166) FCNR (It means 'Foreign Currency Non-Resident (Bank)' Account. Who can open a FCNR (B) a/c ? - The account can be opened in the name of NRI individuals (single/ joint) or with resident Indians on 'former or survivor' basis.)167) 1969 - Any four Nationalised Banks168) Financial intermediaries(an institution, such as a bank, building society, or unit-trust company, that holds funds from lenders in order to make loans to borrowers.)169) What are the Function of RBI?170) What are the Roles of a PO ?171) CRR (Cash Reserve Ratio)172) MSF (Marginal Standing Facility)173) SLR (Statutory Liquidity Ratio) - Indepth174) DICGC full Form ? (The Deposit Insurance and Credit Guarantee Corporation Act, 1961)175) MUDRAK Schemes (Micro Unit Development / Credit Guarantee Corporation176) Situation Question : A person comes in to my bank with Rs.51000/-, What is the procedure to deposit in an Account.Bank Exams PO, Coaching Centre Chennai, ibps, RRB, SSC, Bank Clerical Exams,

What is TDS?Tax Deducted at Source (TDS) is applicable for individuals and businesses, the payee is required to collect tax at source before making certain types of payments for rendering specific services. The types of payments include salary, fees, interest, rent, commission, etc. The payee is directed to collect a certain percentage of TDS that is sent to the Central Government.How do you define Salary?Salary is defined as the remuneration that a person receives periodically for rendering services based on an implied or express contract. If you are in an employee-employer relationship, you belong to the salaried class of individuals.However, not all income is termed as salary. If a professional is being paid for his/her expertise in a professional capacity, it is termed as 'Professional/Technical Fees'. Similarly, a partner earning salary from his/her company is charged taxes under 'Profits & Gains from Profession or Business'. Other examples include the salary paid to a Member of Parliament or a Member of Legislative Assembly. According to the Indian Income Tax Act (ITA), 1961, a salary includes pension or annuity, wages, commission or fees, gratuity, profits or perquisites on salary, salary advance etc.TDS Rate Chart :Rates for Tax Deduction at Source for FY 2017-18ParticularsTDS Rates (in %)Section 192: Payment of salaryAccording to Income Slab as specified aboveSection 192A: Payment of accumulated balance of provident fund which is taxable in the hands of an employee (with effect from 01.06.2015).10%Section 193: Interest on securitiesa) any debentures or securities for money issued by or on behalf of any local authority or a corporation established by a Central, State or Provincial Act;10%b) any debentures issued by a company where such debentures are listed on a recognized stock exchange in accordance with the Securities Contracts (Regulation) Act, 1956 (42 of 1956) and any rules made there under;10%c) any security of the Central or State Government;10%d) interest on any other security10%Section 194: Dividend other than the dividend as referred to in Section 115-O10%Section 194A: Income by way of interest other than "Interest on securities"10%Section 194B: Income by way of winnings from lotteries, crossword puzzles, card games and other games of any sort30%Section 194BB: Income by way of winnings from horse races30%Section 194C: Payment to contractor/sub-contractora) HUF/Individuals1%b) Others2%Section 194D: Insurance commission5 (10% till Assessment year 2016-17)Section 194DA: Payment in respect of life insurance policy1 (2% till 31-5-2016)%Section 194EE: Payment in respect of deposit under National Savings scheme10 (20% till 31-5-2016)%Section 194F: Payment on account of repurchase of unit by Mutual Fund or Unit Trust of India20%Section 194G: Commission, etc., on sale of lottery tickets5 (10% till 31-5-2016)%Section 194H: Commission or brokerage5 (10% till 31-5-2016)%Section 194-I: Renta) Plant & Machinery2%b) Land or building or furniture or fitting10%Section 194-IA: Payment on transfer of certain immovable property other than agricultural land1%Section 194J: Any sum paid by way of a) Fee for professional services, b) Fee for technical services c) Royalty, d) Remuneration/fee/commission to a director or e) For not carrying out any activity in relation to any business f) For not sharing any know-how, patent, copyright etc.10%Section 194LA: Payment of compensation on acquisition of certain immovable property10%Section 194LBA(1): Business trust shall deduct tax while distributing, any interest received or receivable by it from an SPV or any income received from renting or leasing or letting out any real estate asset owned directly by it, to its unit holders.10%Section 194LBB: Investment fund paying an income to a unit holder [other than income which is exempt under Section 10(23FBB)]10%Section 194LBC: Income in respect of investment made in a securitization trust (specified in Explanation of Section 115TCA)25% in case of Individual or HUF 30% in case of other personHow to Calculate TDS on Salary - TDSWhat is TDS?Tax Deducted at Source (TDS) is applicable for individuals and businesses, the payee is required to collect tax at source before making certain types of payments for rendering specific services. The types of payments include salary, fees, interest, rent, commission, etc. The payee is directed to collect a certain percentage of TDS that is sent to the Central Government.How do you define Salary?However, not all income is termed as salary. If a professional is being paid for his/her expertise in a professional capacity, it is termed as 'Professional/Technical Fees'. Similarly, a partner earning salary from his/her company is charged taxes under 'Profits & Gains from Profession or Business'. Other examples include the salary paid to a Member of Parliament or a Member of Legislative Assembly. According to the Indian Income Tax Act (ITA), 1961, a salary includes pension or annuity, wages, commission or fees, gratuity, profits or perquisites on salary, salary advance etc.What is TDS Calculated on?The CTC quoted to you at the time of joining includes components such as basic salary, travel allowance, house rent allowance, medical allowance, dearness allowance, special allowances and other allowances. The CTC is divided into two major categories : salary and perquisites. Perquisites, or perks as they are popularly called, include facilities and benefits provided by the employer towards expenses such as traveling, canteen and fuel subside, hotel expenses and so on.How is TDS calculated?The government allows tax exemption under Section 80C and 80D. This allows an individual to seek for exemption on tax based on various types of investment he/she is making for that particular financial year. The TDS on salary can be calculated by reducing the exemption from total annual earning as specified by the Income Tax department. The employer is required to obtain a declaration and proof from individuals to approve tax exemption. The following categories are considered for exemption:House Rent Allowance - If an employee is paying towards accommodation as rent and entitled for HRA from the employer, the employee can declare this amount for tax exemption.Conveyance or Travel Allowance - If an employee is provided with conveyance allowance, the employee can declare them for tax exemption.Medical Allowance - If an employee is entitled to a medical allowance, he/she can declare and produce medical bills for tax exemption.There are limits to the maximum amount that can be considered for exemption.TDS DeductionsThe following process is involved in the deduction of TDS:Calculating total earning - The employer is required to calculate the total earning of the employee.Calculating total amount eligible for the exemption - The employer is accountable for calculating the total amount that is considered for tax exemption. The employee needs to declare the type of amount that is eligible for exemption.Obtaining declaration and investment proof - The employer is required to collect investment and proofs from employeesDepositing TDS deductions - The employer will require depositing the collected TDS to the central government.Section 80CAn employee can declare for a maximum of Rs.1,50,000 for tax exemption. The following investments schemes are considering for exemption under 80C:Investment in mutual funds and equity shares, such as ULIP, Linked Saving Scheme of a Mutual Fund/UTILife insurance Premium paidContribution to statutory PF, 15 years P.P.F., and superannuation fundsPayments towards subscription for National Saving Certificates and Home Loan Account SchemeInterest earned through few of the National Savings Certificates are eligible for a certain amount of taxFixed deposit scheme for a period of minimum 5 yearsSection 80CCGAn employee is eligible for a maximum of Rs.25,000 annual exemption if the employee has made an investment under certain equity saving schemes. The investment should be made for at least 3 years from the date of scheme acquisition.Section 80DThe section 80D offer exemption for the premiums paid for a Medical Insurance. The exemption is also extended to the individual's dependents.There are various other Sections that regulates many other types of exemptions.How do I calculate TDS on my salary?While the basic salary is fully taxable according to respective tax bracket, some exemptions are available for payments made as allowances and perks. You can calculate TDS on your income by following the below steps.Calculate gross monthly income as a sum of basic income, allowances and perquisites.Calculate available exemptions under Section 10 of the Income Tax Act (ITA). Exemptions are applicable on allowances such as medical, HRA, travel.Reduce exemptions according to step (2) for the gross monthly income calculated in step (1).As TDS is calculated on yearly income, multiply the corresponding figure from above calculation by 12. This is your yearly taxable income from salary.If you have any other income source such as income from house rent or have incurred losses from paying housing loan interests, add/subtract this amount from the figure in step (4).Next, calculate your investments for the year which fall under Chapter VI-A of ITA, and deduct this amount from the gross income calculated in step (5). An example of this would be exemption of up to Rs.1.5 lakh under Section 80C, which includes investment avenues such as PPF, life insurance premiums, mutual funds, home loan repayment, ELSS, NSC, Sukanya Samriddhi account and so on.Now, reduce the maximum allowable income tax exemptions on a salary. Currently, income up to Rs.2.5 lakhs is fully exempt from paying taxes, while income from Rs.2.5 lakhs to Rs.5 lakhs is taxed at 10%, and Rs.5 lakhs to Rs.10 lakhs income bracket is taxed at 20%. All income above this amount is taxed at 30%.Do note that senior citizen have different tax slabs and receive higher exemptions than those discussed above.ExampleAs per the steps outlined above, let’s consider a numeric example for better understanding.Steps (1) & (2)Suppose your monthly gross income is Rs.80,000. This figure may contain divisions as - basic pay Rs.50,000, HRA of Rs.20,000, travel allowance of Rs.800, medical allowance of Rs.1,250, child education allowance (CEA) of Rs.200 and other allowances totalling 12,750.Steps (3) & (4)Assuming that you stay at your own property, your monthly exemption from allowances equals Rs.2,250 (medical + travel + CEA). Therefore, your yearly taxable amount comes to (Rs.80,000 - Rs.2,250)*12, which comes to Rs.9,33,000.Step (5)Let's say you just experienced a loss of Rs.1.5 lakhs on house loan interest repayments over the year. Reducing this exempted amount from the taxable income, your taxable income becomes Rs.7,83,000.Step (6)Suppose you have invested Rs.1.2 lakhs in various categories that fall under Section 80C exemptions, and made another Rs.30,000 investment in categories falling under Section 80D. So, the resulting Rs.1.5 lakhs is exempted from taxes according to Chapter VI-A. Deducting this amount from the gross taxable income calculated above, your taxable income becomes Rs.6,33,000.Step (7)Finding out your tax sla