Notebook

 Banking terms: https://www.youtube.com/watch?v=YPI5NngJ3kI Financial awareness according to Ashish sir: Banking in India: Origin, merger, amalgamation, nationalization,  imp news related to rbi banking terminology: NPCI products Banking ombudsman, nbfc ombudsman, digital ombudsman, integrated ombudsman, rbi retail direct nabard and psl monetary policy, crr, SLR, repo rate, reverse repo rate, refinance facility, bank rate, omo, market stabilization scheme, qualitative tool, quantitative tool,  inflation: cpi, wpi, deflatiion, disinflation, stagflation, stages of inflation, relation, demand pull inflation, cost push inflation, bottleneck inflation,  budget: revenue receipt, capital receipt, revenue expenditure, capital expenditure, fiscal deficit, primary deficit, revenue deficit, consolidated fund, contingency fund, public account fund, budget history NPA: sarfaesi act, debt recovery tribunal, debt recovery appellate tribunal, classification of asset, special mention...

 playlist by adda: https://www.youtube.com/live/9scbw0UZtPU?feature=share https://www.youtube.com/playlist?list=PLiTWLl37st6WmHHU6e2P3jtodGGgXNOVK finance and management books pdf https://www.oliveboard.in/blog/rbi-suggestions-for-rbi-grade-b-study-material/

 Here is an exhaustive list: https://www.youtube.com/playlist?list=PLeer2UdZc4jt0BayUdgllt67_WjkzgDDk Microfinance: Microfinance or microcredit is a type of banking service provided to the unemployed or the low income groups who would otherwise have no other way to get financial services.  Microfinance allows people to take up reasonable small business loans safely and in a manner in compliance with ethical banking practices.  Many kinds of microfinancing take place in various developing countries like India, China, Indonesia, etc.  It gives loans to poor people which are also called microloans. They also help in financial inclusion, promote entrepreneurship and empower the weaker sections like women.  Genesis of microfinance: Oliveboard rbi gr b 2023 lectures youtube https://www.youtube.com/playlist?list=PLmKwZ83G-3jUZXIuTSrNltkJih8E3kbOP Most important govt schemes Rashtriya Madhyamik Siksha Abhiyan Ministry of education Launched in 2009 Centrally sponsored sc...

 December Non Performing Assets RBI has released a report called Report on Trend and Banking in India 2021-22. What does this report say? The Gross NPA had peaked at 9% in 2017-18. But, it declined to 5% in 2021-22. What is the primary function of a bank? The primary function of a bank is to accept deposits and lend them.  What are the primary assets of banks? The primary assets of banks are loans.  When does a non-agricultural loan become an NPA? When the principal or interest of a loan remains unpaid over a period of ninety days then it becomes an NPA.  When does an agricultural loan become an NPA? For short duration crops:  When the loan remains unpaid for two crop seasons. For long duration crops: When the loan remains unpaid for one crop season. What are the primary assets of a bank? Loans are primary assets of a bank.  What are the two types of assets of a bank? There are two types of assets of a bank: 1. Standard asset- It does not carry more than th...

 Build a Saas business from nothing Write code to build an audience before you build a product.  Micro saas business does not raise IPOs, they are run by 1-5 people but they earn a lot of money.  Venture back business Lifestyle business Solve problems for individual users. Solve urgent and important problems in their workflows.  Micro saas There are many problems that concern very few people. Even a single person can run such a business. There is no outside funding. Micro SaaS businesses can be built rapidly. It is possible to directly communicate with customers and directly get their feedback. It does not depend on location and can be built from anywhere. It has a great appeal to individuals and freelancers. There is a niche market and it uses minimal resources to solve it. It could a problem as small as the Shopify's e-commerce store. How to find a good idea? There are some questions in Tyler Tringas’s meat grinder: Can I make this? Do you or your close circle have...

https://www.thehindu.com/opinion/editorial/ Completed till 17th Jan.  January https://www.thehindu.com/opinion/editorial/a-fortuitous-trend-on-wholesale-inflation-data/article66387215.ece A fortuitous trend: On wholesale inflation data In Dec, 2022, inflation was at a much lower rate at 5.7%. The rates are the lowest since Nov 2021. Wholesale inflation was 5.88% in November. It fell to 4.95% in December which is a 22-month low. The wholesale price rise was too high in Dec 2021 at 14.2%. Wholesale inflation was at an all-time high in May 2022 at 16.6%. The succeeding 7 months saw a decline in wholesale inflation. Retail inflation was very high at 7.4% in September which cooled down in the coming four months. RBI has a threshold of 6% inflation which could be maintained in Nov and Dec 2022. Also, wholesale price rise has been lower than the consumer price rise for the first time. It means the input costs for producers is decreasing.  In the quarter of Oct-Dec 2022, inflation has...

 Environment and climate sustainability working group meeting for the first time to be held in Bengaluru from 9th to 11th Feb.  Host: Ministry of environment, forest, and climate change Delegates will visit Kalkere Arboritum and Banerghatta Biological Park at Bengaluru. First education group of g20 countries will meet from 31st Jan to 2nd Feb in Chennai.  The first international financial architecture working group meeting of g-20 under chairmanship of India will be held in Chandigarh from 30-31st Jan.

 Regulators of Banks and Financial Institutions Banking regulation act, 1949: It is the central act that governs and regulates the various banks and Financial institutions in India. It was passed as Banking Companies act, of 1949.  March 1, 1966- The name was changed from Banking companies act to Banking regulation act.  When it was passed then it was controlled only banking companies. Later, in 1965, it also included cooperatives.    Cooperatives are formed and run by the state govt but the RBI regulates them.  This act helps the RBI to: License the banks Control the shareholdings of the bank Supervise the board and management of the bank Lay down audit instructions Issue directives in interest of the public good Control moratorium, merger, liquidation and acquisition Impose penalties Important banking regulatory bodies RBI: Shaktikanta Das Mumbai Banking and finance SEBI: Madhabi puri buch Mumbai Stock and capital market IRDAI: SC Khuntia Hyderabad Insura...

 Data analyst roadmap  Skills Python Excel  Visualization tools like tableau  Maths  SQL  Machine learning Basics from YouTube Python and SQL  Projects on GitHub  https://youtu.be/uncBRM9-XZ4  https://youtu.be/6mgQPRKhHYg  https://youtu.be/Qq8W40OWfF4  https://youtu.be/YQ-RXMtQYYM  https://youtu.be/MxmytOqZ6SQ  https://youtu.be/WKJKKI6eoTE    https://youtu.be/eYi-gWyUe28  https://youtu.be/gMCiGvg6-gc  https://youtu.be/USxab2QN3hA  https://youtu.be/A0jr2lwvRik 

canva and copyright  Digital products are somthing that exists online and can be downloaded or watched online. Make the product one time then make money. (Passive income). 1. Course Videos or a series of videos. 2. Custom made art pdf or png 3. Templates canva or kittl Notion template for photographers creating fonts background sounds or background for photos 4. printable Wall art greetings cards planners calendars bookmarks budget planning games like for baby showers and bingos worksheets for kids homeschooling schedules paper doll cut off sewing or knitting patterns stickers recipe cards or books Enter into a niche and understand the client Need for a software to create the digital products Gimp/canva/kittl/photoshop/illustrator/procreate Type and size of the printable determines the software.  Marketplace You can sell courses on udemy or skillshare or coursera.  Skillshare- paid on numbers of minutes someone watches your video.  Etsy charges 20 cents per listing....

 When you have a large amount of data, it becomes difficult to store and retrieve it whenever you want. Python has some inbuilt functionalities and lists that make this task easier for you. We create two lists, bob, and sue.  Here are two records to represent two people. These are lists of four properties, name, age, pay, and job fields.  How to access a field in a list?  You can access it by position. Then you can also perform many operations on the items of the list.  For example, 'Bob Smith' is a string and you can split the string within the list.  How to split a string? split() method splits a string into a list.  separator: space is the default separator. But, we can also specify the separator  syntax string.split(separator, maxsplit) separator is optional. maxsplit is also optional. It specifies the number of splits. Default value is -1 which means all the occurrences.  Using a separator The separator has split the string into list ele...

  Design #1: Motifs

Ages of Man   This is a Greek legend which was later expounded by the Romans.  Hesiod's five ages Golden age: The immortals of Olympus created the humans. These humans freely mixed with the gods. Earth provided abundant food for these humans, they died at very old ages and had a very youthful appearance. They died with peace. Their spirits live as guardians and prevent bad things from happening in the world.  Silver age: Men in the Silver age lived for one hundred years under the dominion of their mothers. They lived only a short time as grown adults, and spent that time in strife with one another. During this Age men refused to worship the gods and Zeus destroyed them for their impiety. After death, humans of this age became "blessed spirits" of the underworld. Bronze age: Men of the Bronze Age were hardened and tough, as war was their purpose and passion. Zeus created these humans out of ash tree. Their armor was forged of bronze, as were their homes, and tools. The men...