Questions based Paragraph Comprehension and Vocabulary are also asked in this section.
It is very important to understand what is going to be asked in the test, before you start preparing for it. You should be well verse with Current Affairs (National and International), Major Financial/Economic News, Budget and Five Year Plans, Who’s Who, Sports, Books and Authors, Awards and Honours, Science – Inventions and Discoveries, Abbreviations, Important Days, International and National Organisations.. Reasoning
3. Each section has 50 questions and each question carries one mark.1. English Language
This section will test your knowledge of basic on computers like their evolution, basic DOS commands, using Windows, MS Word and internet related applications like Browsers etc.
5. Numerical Ability
Common Written Exam or CWE syllabus is based on the same topics that have been an integral part of the bank recruitment exams. However, with all the PSU banks in India agreeing to a common test, the syllabus has been standardized now.
You should be very careful while answering questions since there is a negative marking for each wrong answer. Here is the summary of the test pattern:
Total Questions: 250
This section requires number crunching with questions based on Number System, HCF, LCM, Simplification, Decimal Fractions, Ratio and Proportions, Unitary Method, Percentage, Time and Distance, Time and Work, Profit and Loss, Average, Simple and Compound Interest etc.
Maximum Time: 150 Minutes
Sections asked in IBPS CWE Clerical Exam: The CWE question paper is divided in five sections. Dont forget negative marking:
2. General Awareness (with special reference to Banking Industry)
This section will test your language skills with questions like Subject Verb Agreement, Error Correction, Tenses, Sentence Rearrangement, Modals and Articles. Computer Knowledge
4. Earlier all banks were conducting their own tests for recruiting staff, with slight variations in their question papers. Only one of the given answers is correct. It is always better to skip a question if you do not know the answer, since there is no negative marking for not attempting a question.
The questions in this section are based on Number Series, Alphabet Series, Test of Direction Sense, Coding-Decoding, Number Ranking, Arithmetical Reasoning, Problem on Age Calculation, Blood Relations, Analogy and Decision Making etc.
This sections expects you to know what happens around you. Lets go through the topics that will be asked in the IBPS CWE for clerical recruitment.
IBPS CWE Pattern The question paper consists of Objective Type Questions with Multiple Answers to choose from. 1/4 of a mark is deducted for every wrong answer
The bestbaseball handicappersin one who thoroughly follows the game, uses a proven system along with all those miscellaneous variables to determine their selections. The only way to test a formula is to use through an entire baseball season. That is the easy part just about all handicappers claim to be the best.. My feelings on this are not one individual can be giving that title. There is no license or certification required. A good handicapper will take all this information and plug into their handicapping formula.
Now you are probably reading this article because you want to know who is best. The only way to fully grade a handicappers picks is over the entire season.
I would define the best baseball handicapper a one who is truly knowledgeable on the sports. This formula must be battle tested. Anyone can create a formula and start using it, but it has to be tested. Remember to distinguish the difference between just lucky and picking the right side. It is better to be lucky than be good, right. Part of being a good handicapper is promoting yourself as one. A handicapper that just picks games without close examination is one that I would avoid. Baseball handicapping is not all based on skill. You might have a nice run for a week, start thinking you have the best system in the world then lose the next 10 games. They must be up to date with all trades, injuries, trends and current statistics. Don’t confuse being lucky for being good.
The fact is anyone can claim to be good atbaseball handicapping. For effectivebaseball handicappingyou need to follow a formula. Many get lucky but luck only happens occasional. Be consistent with your bets and use proper money management and you will the best baseball handicapper.
Just what is abaseball handicapper? According to Wikipedia: Baseball Handicapping is the practice of assigning advantage through scoring compensation or other advantage given to different contestants to equalize the chances of winning. I am a true believe that anyone can be the best baseball handicapper if they so desire. You just start analyzing ball games and select your winners. There is no government rating nor is there any real tracking system. Then there are the side variable such as weather conditions, disputes among the players sand mental state of the players. Baseball season is very long and there are many ups and downs for every team. Luck has a lot to do with it. Follow the game, use a proven baseball betting formula, there are many available. Let’s make it simple and say that a baseball handicapper is a person that analyzes two baseball teams and attempt to picks the winner.
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Any adult child of a compulsive gambler who thinks they will see any type of inheritance is fooling themselves.
The other part of me resents his obsession with money and being the hot shot while I was growing up. Ive been talking to a disease for most of my life, not a real father.
by Macteacher 2013
The other insidious thing about problem gamblers or compulsive gamblers is the pathological lying. If not for my mothers pension, they would be out on the street.
It’s Never Enough
A man who has spent a lifetime telling other people how to invest for emergencies has ended up penniless. Gamblers will function quite well as long as they have a ready source of cash, such as a family member or income from a business or investments. In the blink of an eye, more than half was gone. As an adult child I also am suddenly worried about having to support my parents at some point. In order to keep their secret they will lie to anyone, spouses, children, parents, coworkers and friends. We figured it out because my father had tripped himself up by trying to cover his tracks. He was a fairly successful insurance man with 50 years in the business, yet when the true extent of his addiction came to light last year, we were dumbfounded. They spend their lives trying to cover their tracks. It was money she was counting on to supplement their income when they reached their eighties. You just get worn out and tired, just really tired.
This is another symptom of the compulsive gambler: Their skewed relationship with money. Gamblers Can Keep on Going…
The insidious thing about gambling is that a gambler who has access to money can literally support their habit for many years without getting caught. They make financial decisions based on how much money they can hoard for gambling. It has been almost a year since the truth was revealed, and I am still angry at the waste and the bleak future my parents face as their fixed income slowly becomes inadequate to meet their needs as they get older. Money is slowly siphoned from the source until there is nothing left. They live their lives in a fantasy world where the next big win is right around the corner. Gambling is a disease after all, and you cant blame someone for being sick. I know that I will eventually have to forgive, right now Im just trying to figure out how to sit in the same room with a parent that I never actually liked or trusted. Their low self esteem compels them to live like high rollers – and spend on luxuries when they cant even pay the mortgage. The sum total of my fathers income is now a meager Social Security check. They view money as something to play with, almost like Monopoly money.
Almost as Bad as the Gambling…the Lying
When we uncovered my fathers gambling addiction, the devastation to my family unit was irreparable. Any financial relief is out of reach because no matter how much money a gambler can get their hands on, it is never enough to satisfy their insatiable craving for betting.
It’s Not Just The Betting
A gamblers true addiction is money. This is not something I should have to worry about with people who earned a good living during their work lives. How does someone live with themselves? . He has no savings, and he is too old to make up for lost time. Deep down they hate themselves for their habit, but like children, they are unwilling to come clean.
My fathers inability to own up to his destructive behavior is a big reason for my current unwillingness to speak to him. By that time, the damage is done and it is usually irreversible.
They Usually End Up Penniless
My father has reached his seventies without saving a penny. Weve both finally reached a place of sanity and serenity in our own lives.
It’s Exhausting For the Family
Some gamblers do experience big payoffs, but the money is quickly spent on placing more, and bigger bets. I also resent all the money that my grandparents left being swallowed up by his disease. Part of me wonders how he sat down over breakfast every morning with a woman who has taken care of him for 50 years, while he was robbing her blind. This makes gambling a very tough addiction to break, because like food addictions, the gambler is addicted to something they have to use in everyday life – money.
How Do They Live With Themselves?
Even though I know it is a disease and he really cant help himself, part of me resents him for not being adult enough to seek help sooner. This inability to plan for the future is another symptom of the disease of compulsive gambling.
Gam-Anon and other organizations preach forgiveness above all else. If it had not been for my quick thinking, they would have lost everything. My sister and I have struggled for most of our adult lives to build a healthy respect for money. Its a twisted mindset that allows them to blow everything they have while bills go unpaid. He has no assets. As it turned out, my father had helped himself to an annuity my mother had religiously contributed to every month for 25 years during the course of her teaching career. Gamblers do not think any further ahead than the next bet. He was never generous with money, even though he always had a wad of bills in his pocket. He never saw any reason to purchase any property or make any sound investments. Money enables the gambler to stay in the action, a gambling term for active betting. Money is what they need to fuel their habit of placing bets, whether it be lotto cards, horse racing or blackjack. His weird relationship with money was passed on to his kids. As most adult children of any kind of addict know, its not that you actually hate them – thats too toxic to carry around. He had money for expensive vacations, expensive jewelry and nice cars, but paying for his kids college education was out of his reach. This was In addition to fudging bank statements so that she didnt know he was siphoning off their other savings account
There was no ‘weight’ category, and neither were victors recognized officially. Sparring was exhibited as a genuine sport at exhibitions and private gymnasiums. At that point in time, the matches were fought bare knuckles. This was probably the era that marked the beginning of extreme sports.
The earliest set of rules laid-down included:
No hitting below the belt
No hitting an opponent who was ‘down’ in the ring
No wrestling holds below the waist
30-second rest periods
Knockdown spelled round over
In 1866, the Marquis of Queensberry laid down a set of glove fighting rules that included:Compulsory use of gloves
Rounds lasting three minutes
Rest period of one minute
Recovery period of ten seconds after knockdown
The Early Heroes of American Boxing
Tom Molineaux, a slave boxer: He ‘won his freedom’ in 1809 and went to England. The sport is believed to have become a part of the American world of sport and history in the 18th century. In the former, the boxers fought for money, with bare knuckles. The boxers were allowed to choke, throw, and kick their opponents. They were betted on by their wealthy southern masters. The boxing exhibited then included wrestling. The sport ‘arrived’ via the youth of wealthy southern families.
The Early Days. The sport was brutal and bloody.
John C. The primitive sports psychology applied was ‘fight till one man is finished’. The bouts were often against local laws. The techniques were used, not for a purse or to inflict bodily harm, but to take the sport to the next level. He had ‘drowned’! However, the match attracted immediate legal response.
John L. The pugilism was passed on when the British colonized the Americas. He refused to fight a black, and knew nothing of the science of the ring, but he had a knockout punch.
Boxingthe sport itself creates an image of swollen appendages and a bruised face. The fight took place on April 17, 1860, in Hampshire, England.
African-American boxing involved bouts between Black American and Hispanic American boxers, and at times, even Native Americans who were victims of slavery. The fights were soon categorized into sports betting or prize fighting and sparring. The earliest forms of expression of the sport probably rose out of the need to declare supremacy of the physical body, and the extent to which it can be resilient. Heenen and Thomas Sayers: They enhanced their sports careers on becoming the first recorded joint winners of a bout. Spectators formed the ring, and the absence of a referee and time limit made the sport a brutal affair. American boxing developed out of sheer show of strength, but evolved into a sport that enabled many strong-willed and able-bodied men to ‘find’ the power of resilience.
The earliest recorded history of boxing in America is one of a public spectacle. Boxing bouts used to last for hours. However, the flip side of the coin is that this sport has also enabled many a country to create a niche in the world of sport, and many a sportsperson to find true self-expression. There, he fought several times between 1810 and 1811, finally losing out to Tom Crib, the English champion.
Christopher Lilly: He is best remembered for defeating Thomas McCoy in a bout that lasted for a whole two hours and forty-one minutes! McCoy died in the 77th round due to fluid from wounds draining into the lungs. The first great slave fighter known was Tom Molineaux. In sparring, the combatants wore gloves and displayed a new kind of ‘science’ associated with the moves in the ring. The sport originated from typically primitive hand-to-hand combats of ancient Egypt, Greece, and Rome. He won his freedom after knocking out a rival from an adjoining plantation. Sullivan: Popular as the ‘Boston Strong Boy’, he became America’s first ‘sports hero’. There were no-holds-barred combats that were encouraged. He was known to be an honest fighter, who could adapt to any set of rules
Higher denomination machines payout at higher rates, with one dollar and five dollar machines often paying out in the 95 to 98 percent range. These are some good places to look for loose machines:
-Any machine on a raised platform. There are better ways to make money than playing slots, so just try to have a good time, if you win, that’s icing on the cake.
-Don’t pick a favorite machine. Casinos spend lots of time and effort placing their loose machines where they will maximize profit. In addition to being fun, slot machines can be very lucrative to play if you approach them the right way. Place strict limits on how much you are willing to lose, and never keep playing to try and recoup losses. Casinos want people in line to see other people winning so that they get excited about playing, and get more money changed.
Casinos also place low paying slots in certain areas because they won’t help win customers. Slot machines have grown in popularity because they are so fun and easy to play. Casinos that placed loose slot machines near the entrance found that people never went any further into the casino, so they moved the loose machines further in.
-Near the table games, or sports/race betting area. If you are using a rewards card, even if you lose your entire bankroll, at least you won’t have to pay for drinks next time you come.
Slot machines have gone from a marginal game at most casinos to one of the main attractions. Try playing only with your original bankroll, and pocketing any winnings, this way you will always have something left when you go home. So don’t beat yourself up if someone hits the jackpot on a machine you were just playing, you would have had to pull the lever at the same second as them in order to hit the jackpot.. So next time you head to the casino, keep these slot machine tips in mind.Things You Will Need-Spare money
-DisciplineStep 1Finding a Machine.
Before you start playing slots it is very important to stake out a good machine.
Once you decide on what stakes you are playing with, your next task is to find which individual machine you want to play. Base your play solely on performance.
-Try the machine next to you. These machines are more visible from the whole casino than others, so they are more likely to payout.
-Machines in the area surrounding snack bars. This article explores some simple slot machine strategy that will help you make the most money you can playing slot machines. Reward cards are free and they don’t take long to register, so there is no reason to not get one. People that play the tables, or bet on sporting events don’t tend to play the slots very often, so the loose machines probably wouldn’t entice them. Picking a favorite may make it hard to leave when you are losing. Also keep in mind that the outcome of each spin is determined by a random number generator that is always running whether or not someone is playing the machine, this means that the split second that you pull the lever determines the outcome of the spin. If someone is waiting for their friend in the bathroom, they are probably going to play to pass the time whether or not the machines are paying out.
-Near the entrance. Also the casinos stand to make more money off of the high stakes of tables and sports betting, so they don’t want these people to leave to play slots.
Step 2Understand Statistics.
Statistics can be very counter intuitive and it is important to have an idea of the numbers that drive the machines. This may include free food, drinks, rooms, or shows. Since machines that take larger amounts of money payback more, always make sure to play the highest stake machine that you can afford with your allotted bankroll. If you can’t afford the highest bet, play on a lower denomination machine where you can bet the maximum amount. Every spin is independent from the last spin, and the chances of any spin hitting are exactly the same as any other spin. Different slot machines payout at different rates depending on their programming, slot machines that payout at high rates are called “loose” and are the machines that you are trying to find. If you don’t bet the maximum amount you may hit the jackpot and only make a fraction of what you would have otherwise.Step 4Manage Your Bankroll.
Never start playing without a plan. Slot machines are no different, if you have been loosing on the same machine all day, change machines, the machine you were losing on is probably just a tight machine. They will often help direct you to the highest paying games because it will keep you at their casino over others.
*Picture provided by Corpse Reviver at wikicommons
Step 3Always Play the Maximum Bet.
On most slot machines you can only hit the jackpot if you bet the maximum amount. It is also a good idea to break your bank roll into smaller session specific amounts, say you are going to the casino all day with 500 dollars, break it into $250 for before lunch, and $250 for after, this way you won’t go broke a long time before the end of your day. There is a very common misconception in gaming that machines that haven’t had a jackpot in a long time are due to hit one soon. The casinos then place lower paying machines is less visible areas so that once people are drawn in by the loose machines, they will spend their time playing machines that the casinos make more money off of. Casinos program these to payout in order to lure people back onto the gaming floor; they make more money from slots than selling food.
-Machines near change counters. Even if you have flipped heads 1000 times in a row, the 1001st flip still has a 1 to 1 chance of landing on heads. You should avoid machines in the following areas:
-Around the bathrooms. Think of flipping a coin for example, every time you throw it the odds of getting heads are one to one. Also always play with coins instead of bills, this will slow you down and keep you from burning through all of your money.Step 5Use a Rewards Card.
Most casinos offer a rewards card that lets you earn comps for playing at their casino. Don’t get too emotionally involved, or you may pay for it.
-Play for fun. This is absolutely false. You can find a payout table on the front of each machine that tells you the payout percentage for each bet. The idea is to place loose machines in highly visible areas so that people see and hear when people win, and are encouraged to keep on playing. Tips & Warnings-Gambling can be very addictive and dangerous. Casinos don’t place two loose machines side by side, so if you are playing a tight machine, the one next to you may be better.
-Talk to floor workers. Different machines are programmed to payout at different rates, and you want to maximize your chance of getting a machine with a good payout rate