Upload
kuhu-felicity-banerjee
View
14
Download
0
Embed Size (px)
Citation preview
BANKING DAILYQUIZ ENGLISH FRESHVACANCY GKUPDATES IBPSCLERK IBPSPO INTERVIEWPREP RESULTS SAMPLEPAPERS SHORTCUTS SSC
BankingAwareness:MonetaryPolicyofIndiaMonetarypolicyistheprocessbywhichmonetaryauthorityofacountryi.e.RBIcontrolsthesupplyofmoneyintheeconomybyitscontroloverinterestratesinordertomaintainpricestabilityandachievehigheconomicgrowth.InIndia,thecentralmonetaryauthorityistheReserveBankofIndia(RBI)issodesignedastomaintainthepricestabilityintheeconomy.
MEASURESOFMONETARYPOLICY:Quantitativemeasurestocontrolamountofcredit.Qualitativemeasurestocontroltheallocationtodifferentsectionsofeconomy.
TOOLSOFQUANTITATIVEMEASURES:
BANKRATE:Thebankratealsoknownasthediscountrate,istherateofinterestchargedbytheRBIforprovidingfundsorloanstotheBankingsysteminindia.Italsosignalsthemediumtermstanceofmonetarypolicy.
OPENMARKETOPERTIONS(OMO):Thebuyingandsellingofgovernmentsecuritiesintheopenmarketinordertoexpandorcontracttheamountofmoneyinthebankingsystem.Purchasesinjectmoneyintothebankingsystemandstimulategrowthwhilesalesofsecuritiesdotheopposite.
LIQUIDITYADJUCTMENTFACILITY(LAF):LiquidityAdjustmentFacilityistheprimaryinstrumentofReserveBankofIndiaformodulatingliquidityandtransmittinginterestratesignals
tothemarket.Underthescheme,repoauctions(forabsorptionofliquidity)andreverserepoauctions(forinjectionofliquidity)areconductedonadailybasis(exceptSaturdays).Itissamedaytransactions,withinterestratesdecidedonacutoffbasisandderivedfromauctionsonuniformpricebasis.
BANKERSADDAINHINDI
GKPowerCapsuleHindiGKPowerCapsuleEnglishCallLetterDownloadPETCallLetterDownloadSyllabus&ExamPatternLinkActiveNotification
IBPSCLERK2014
IBPSPOIVWrittenTestScoresIBPSPOIVWrittenTestResultComputerCapsuleGKPowerCapsuleHindiVersionIBPSPOGKPowerCapsule
SyllabusandPatternNotificationFAQs
IBPSPO2014
36454655566566757685Above85
Vote Showresults
Votessofar:869Dayslefttovote:370
HOWMUCHDIDYOUSCOREINIBPSPO2015PWD?
Below858590
HOWMUCHDIDYOUSCOREINTHEWRITTENEXAMOFIBPSPO2014GENERAL?
derivedfromauctionsonuniformpricebasis.
REPO/REVERSEREPORATE:TheseratesundertheLiquidityAdjustmentFacility(LAF)determinethecorridorforshorttermmoneymarketinterestrates.Inturn,thisisexpectedtotriggermovementinothersegmentsofthefinancialmarketandtherealeconomy.
MARKETSTABLISATIONSCHEME(MSS):Thisinstrumentformonetarymanagementwasintroducedin2004.Liquidityofamoreenduringnaturearisingfromlargecapitalflowsisabsorbedthroughsaleofshortdatedgovernmentsecuritiesandtreasurybills.ThemobilisedcashisheldinaseparategovernmentaccountwiththeReserveBank.
TOOLSOFQUALITATIVEMEASURES:
CREDITCEILING:InthisoperationRBIissuespriorinformationordirectionthatloanstothecommercialbankswillbegivenuptoacertainlimit.Inthiscasecommercialbankwillbetightinadvancingloanstothepublic.Theywillallocateloanstolimitedsectors.Fewexampleofceilingareagriculturesectoradvances,prioritysectorlending.
MORALSUASION:MoralSuasionsaresuggestionandguidelinesbytheRBItothecommercialbankstotakesoandsoactionandmeasuresinsoandsotrendoftheeconomy.RBImayrequestcommercialbanksnottogiveloansforunproductivepurposewhichdoesnotaddtoeconomicgrowthbutincreasesinflationintheeconomy.
CREDITAUTHORIZATIONSCHEME:CreditAuthorizationSchemewasintroducedinNovember,1965whenPCBhattacharyawasthechairmanofRBI.UnderthisinstrumentofcreditregulationRBIaspertheguidelineauthorizesthebankstoadvanceloanstodesiredsectors
IBPSPO2014Notification
GKPowerCapsuleHindiVersionGKPowerCapsuleEnglishVersionAdmitCardDownloadExamSyllabus&PatternNotification
SBIASSOCIATEPO(2986VACANCIES)
RBIAssistantsNotificationFinancialAwarenessCapsuleRBIAssistantVacancies:DoubtsClarifiedLastYearQuestions
RBIASSISTANTS506VACANCIES
IBPSRRBWrittenResultOutAdmitCardRRBCapsule(English)FAQsIBPSRRB2014Notification
IBPSRRB2014
SBIClerkWrittenTestResultSBIClerkGKPowerCapsule(English)SBIClerkGKPowerCapsule(Hindi)
SBICLERK201415VACANCIES
9093949697100101103104106107110111115115120120125Above125
Vote Showresults
Votessofar:13571Dayslefttovote:366
7075768081858690919596100Above100
Vote Showresults
Votessofar:3726Dayslefttovote:366
HOWMUCHDIDYOUSCOREINIBPSPO2014SC?
56606165
HOWMUCHDIDYOUSCOREINIBPSPO2014ST?
Labels:Banking,BankingAwareness,MonetaryPolicyofIndia,STUDYNOTES
Comments Community Login
SortbyBest Share
Jointhediscussion
Reply
Sheryl amonthagoAlwaysbearinmindthatyourownresolutiontosucceedismoreimportantthananyother.
gooddayfrnzzbbyee:)55
Reply
@shish(m!) amonthago>SherylByebyebehnaaaterehna:))tkcare
6
Reply
Sheryl amonthago>@shish(m!)surebro:)
1
Favorite
Share
Share
Share
Capsule(Hindi)SBIClerkMarketingCapsuleSBIClerkComputerCapsuleSBI:FrequentlyaskedquestionsSBIClerk:PatternandAnalysisApplyOnlineNotification:SBIClerkVacancies(5400)
WrittenTestResultSBIPOExamAnalysis15thJune2014GKQuestionsAskedinSBIPO2014SBIPOExamAnalysis(14JuneMorningShift)ShareyourExamExperienceSBIGKPowerCapsule:PartIILastMinuteTipsforSBIPOCallLetterDownloadSBIPOGKPowerCapsule2014FinancialAwarenessCapsuleforSBIPODescriptiveTopicsCapsuleforSBIPOHowtoCrackSBIPOin2MonthsSyllabusandPatternofSBIPOExamSBIPO:DoubtsClarifiedSBIPONotification2014
SBIPO201415VACANCIES
SalaryStructureof
IMPORTANTPOSTSONIBPSRESULTS
66707175768081858690Above90
Vote Showresults
Votessofar:1974Dayslefttovote:366
Below8586909193949697100100105106110111115Above115
Vote Showresults
Votessofar:4894Dayslefttovote:366
HOWMUCHDIDYOUSCOREINIBPSPO2014OBC?
SBIASSOCIATEPOINTERVIEWBATCHES
Reply 1
Reply
@$H!$H amonthago>SherylFine:)
3
Reply
@z#@r amonthago>Sherylpostpadkethojao..:P
3
Reply
Sheryl amonthago>@z#@rpadhah
3
Reply
@z#@r amonthago>Sheryl:)
Reply
Dk$r0.o amonthago>SherylBYEbealwaysfine:)
1
Reply
Sheryl amonthago
>Dk$r0.o
bye:)1
Reply
deepak amonthago>Sherylbie...whatisnemofactress.inyourprofilepic
1
Reply
Sheryl amonthago>deepakKristenJaymesStewart
2
Reply
#r@v!# amonthago>SherylWow!udoknowmidnametoo:)
5
Share
Share
Share
Share
Share
Share
Share
Share
Share
Share
SalaryStructureofBankPO&ClerkIBPSSelectedCandidates:KnowyourcolleaguesjoiningthesamebankasyouAllottedaBankinIBPS.Whatnext?WaitingList(ReserveList)forIBPSPOIIIandIBPSClerkIIIIBPSPOIII:FinalResultOutIBPSClerkIII:FinalResultIBPSClerkII:FourthRoundofAllocationsIBPSPOIIFourthRoundofAllocations
SBISpecialistOfficerExam:LastMinuteStrategyDownloadAdmitCardNotification
SBISOVACANCIES2014
IBPSSOFinalResultOutInterviewCallLetterWrittenTestResultITOfficerSyllabusHRSyllabusApplyOnlineSpecialistOfficer2014NotificationOut!
IBPSSPECIALISTOFFICER2014
IBPSClerkIIIFinalResultIBPSClerkIIIInterview
IBPSCLERKIII
IBPS2015Calender:ChangesinPatternofIBPSExams
ITOfficerCrashCourse
IBPSINTERVIEWCOACHINGATCAREERPOWER
ITOFFICERTESTSERIES
HROFFICERTESTSERIES
Reply
deepak amonthago>Sherylthnx.....aapnebatadiyamujhelagaaapneignorekardiyamujhe
3
Reply
Sheryl amonthago>deepaknodeariwaslittlebusy..
2
Reply
deepak amonthago>Sherylok....firstydourworkk...bie
1
Reply
#r@v!# amonthago>deepakEmmawatson
1
Reply
deepak amonthago>#r@v!#sure?
Reply
#r@v!# amonthago>deepakYesyaar...watchedallofherharryfilms...etchedinmymind..
1
Reply
deepak amonthago>#r@v!#yetotwilightseriesmoviemebhithi
1
Reply
#r@v!# amonthago>deepakAah....sahibola...YehKristenStewarthain!
4
deepak amonthago>#r@v!#ok.....movietomainebhidekhiha
Share
Share
Share
Share
Share
Share
Share
Share
IBPSClerkIIIInterviewCapsuleInterviewSchedulePoll:IBPSClerkIIIScoresWrittenTestResultGKPowerCapsuleforIBPSClerkIIIInsightsfrompreviousyearApplyOnlineforIBPSClerk3IBPSClerkIIINotification
IBPSPOIIIFinalResultInterviewCapsuleIBPSPOIIIScoresCutOffMarksinWrittenWrittenTestResultOutGKPOwerCapsuleforIBPSPOIIIDownloadIBPSPOIIIAdmitCardDownloadPreExamTrainingCallLetter60%MarksCriteriaRemoved,MaxAgetoapply30yearsHowtoFillBankPreferencesinIBPSPOIIIApplyOnlineIBPSPOIIINotification
IBPSPOIII
NICLAOExamExperienceNICLAOExamCancelled.ReexaminDec2013
NICLAOVACANCIES(1434POSTS)
CareerPowernowinyourcity,AvailinauguraldiscountBhatinda,Brahampur,Guna,Agra,Jhansi,Bareilly,Aligarh,Gwalior
IBPSClerkIVInterviewCampatCareerPower
CAREERPOWERHIRING(WALKININTERVIEWSON3JAN2015)
SBIASSOCIATECLERKTESTSERIES
Reply ok.....movietomainebhidekhiha
Reply
SaGaR amonthago>Sherylbbye:)
1
Reply
Apu:) amonthago>SherylWellsaid:))Nbye:)
1
Reply
Sheryl amonthago>Apu:)ty:)
1
Reply
soujuu amonthago>SherylByee:))
1
Reply
Sheryl amonthago>soujuubyedear:)
1
Reply
OgGGyBEEdu(**) amonthago>Sherylhmmmmazekaro:)
1
Reply
Sheryl amonthago
>OgGGyBEEdu(**)
iwill:)1
Reply
sumitphadnis amonthago>Sherylthat'strue
ambitious amonthago>SherylHye!Canuplsguidemeforibpsclerk
Share
Share
Share
Share
Share
Share
Share
Share
Share
Dec2013LastDateExtendedDoubtsClarifiedNotification
WrittenTestResultShareyourexamexperienceSpecialGKCapsuleforExamDoubtsClarifiedDetailedNotificationExamPatternFreshVacancyAnnouncement
RBIASSISTANTS:525POSTS
SpecialGKCapsuleforExamDownloadAdmitCardforWrittenTestLastdatetoapplyextendedRoleofInsuranceAssistantDoubtsClarifiedNotification
2600VACANCIESINGENERALINSURANCECOMPANIES
SpecialGKUpdates(November2014)SpecialGKUpdates(October2014)SpecialGKUpdates(September2014)SpecialGKUpdates(August2014)SpecialGKUpdates(July2014)SpecialGKUpdates
GKUPDATESCAPSULES
LATESTFROMBAASSOCIATES
SSCAddaTenureofIndianPresidentstilldate
AchieversAddaShortcuttosuccessisPractiseRaviPargar(SBIPO2014)
IBPSPOIVInterviewBatchesatCareerPower
Below808090
HOWMUCHDIDYOUSCOREDINIBPSRRBOFFICERSCALE?
Reply
Hye!Canuplsguidemeforibpsclerkinterview,Aboutdocumentsandstudymaterial
Reply
vidhya amonthago>Sherylcoulduplstellthebookforibpsclerkinterview...pls....
Reply
Sheryl amonthago>vidhyaucansolvepreviousyearpapers.nfollowBAforGAformathsusersagarwalortmhbook
Reply
Guest amonthago>vidhyaNobookclerkishrtypeandifwannareadreadfrglossarysectiononRBIwebsite.
Reply
janu amonthago>SherylNice.Thanks
Reply
OgGGyBEEdu(**) amonthago>Sherylkabaaogiabpadhne??
Reply
Sheryl amonthago
>OgGGyBEEdu(**)
kbpadharap:p
Reply
OgGGyBEEdu(**) amonthago
>Sheryl
anytymanyplace...
Sheryl amonthago
>OgGGyBEEdu(**)
Share
Share
Share
Share
Share
Share
Share
Share
SpecialGKUpdates(June2014)SpecialGKUpdates(May2014)SpecialGKUpdates(April2014)SpecialGKUpdates(March2014)SpecialGKUpdates(February2014)GKSpecialUpdates(January2014)SpecialGKUpdates(December2013)SpecialGKUpdates(November2013)SpecialGKUpdates(October2013)SpecialGKUpdates(September2013)SpecialGKUpdates(August2013)SpecialGKUpdates(July2013)SpecialGKUpdates(June2013)SpecialGKUpdates(May2013)SpecialGKUpdates(April2013)SpecialGKUpdates(March2013)SpecialGKUpdates(February2013)SpecialGKUpdates(January2013)SpecialGKUpdates(December2012)SpecialGKUpdates(November2012)SpecialGKUpdates(October2012)SpecialGKUpdates(September2012)
SpecialGKUpdates(August2012)SpecialGKUpdates
90100100110110120120130130140140155Above155
Vote Showresults
Votessofar:45986Dayslefttovote:285
IBPSRRBInterviewBatchesatCareerPower
Lessthan100Between101110Between111120Between121130Between131140Morethan141
Vote Showresults
Votessofar:42047Dayslefttovote:278
HOWMUCHDIDYOUATTEMPTINSBIASSOCIATEPOEXAM?
ITOFFICERCOURSEBYCAREERPOWER
Search
SEARCHYOURTOPICHERE
Reply
amonthagotopicboloyapdfkitrh:p
1
Reply
OgGGyBEEdu(**) amonthago
>Sheryl
..............................1
Reply
OgGGyBEEdu(**) amonthago
>Sheryl
aretujemilanhaikya????ussdinbhipuchatha
Reply
Sheryl amonthago
>OgGGyBEEdu(**)
no
Reply
OgGGyBEEdu(**) amonthago
>Sheryl
aaeinbhejatohyaar3baar:(:(:(udidaddmeaayanhimeremein????phirtrykartahun
Reply
Sheryl amonthago
>OgGGyBEEdu(**)
hmm
Reply
OgGGyBEEdu(**) amonthago
>Sheryl
rudehaibahuttu:P
Reply
Sheryl amonthago
>OgGGyBEEdu(**)
iknowmnot(still)
Share
Share
Share
Share
Share
Share
Share
Share
SpecialGKUpdates(July2012)
SecondRoundAllotmentFInalAllocations,CutOffsFillYourBankPreferenceIBPSClerkII:VacanciesNotificationIBPSClerkII:InterviewResultShareyourInterviewExperienceCommonInterviewScheduleandCallletterdownloadScoreCardIBPSClerkIIResultsCWEClerkIIFeedbackonIBPSClerk(22&23Dec)FeedbackonIBPSClerk(15th&16Dec)BestofLuckforIBPSClerk2012:LastMinuteTipsGKPowerCapsuleforIBPSClerk2012CurrentAffairsandGKUpdatesforNovIBPSClerk2012CallLetterIBPSClerkNotificationChangesinSelectionProcessImportantDatesIBPSRecruitmentGuidelines
IBPSCLERK2012
IBPSPOII:SecondRoundofAllotmentIBPSPO2:Revised
IBPSPO2012
IBPSCLERKONLINETESTSERIES
SSCCGLTierIIBatchStartingfrom3rdNov2014
OwnaCareerPowerCentreinYourCity:CareerPowerFranchiseeProgram
BankersAddaRulesandRegulations
Lessthan80Between8190
HOWMUCHISYOURTOTALATTEMPTINIBPSPOIV?
Loadmorecomments
InterviewExperienceIBPSClerk@k$1476comments3hoursago
Dk$r0.o@$k#f5broandBYEALLwishyouallthebest:)
UnitedBanktorecruitagain...!!!1411comments7hoursago
ShrutiHowmanyofyoufilledBMBastheirfirstchoiceinIBPSPO??
DailyGKUpdates11thFebruary20151011commentsanhourago
eLsAGoodeveningfriends:)refreshf5!!
BankersAddaRulesandRegulations1258comments2daysago
jumboAbhiMaineibpskocallkifinalresultkeliyeunhonebola...(writtenn
ALSOONBANKERSADDA
Reply
Thiscommentwasdeleted.
Reply
Chhaya!! amonthago>Guestawww!!havelsFan:PhawabadaldeCelebritieski:P
1
Reply
lagjanokri amonthago>GuestkhitumnemerebaremeintonhikheyeshAAbd)))
1
Reply
soujuu amonthago>GuestEveryonearecelebritiestothemselves
1
Reply
mistysingh amonthago>Guestverynice.....
WHAT'STHIS?
Share
Share
Share
Share
Share
IBPSPO2:RevisedAllocationandCutoffsNewAllocationbyMarchEndFinalAllotmentCancelledIBPSPO2FinalAllotmentRegisterBankPreferencePreferenceList(Sample)ScoresAnalysisCommonInterviewResultPreferenceNotificationListofVacanciesinIBPSPO2012DiscussInterviewExperienceCommonInterviewScheduleCheckYourScore(IBPSPO2012)CutOffMarksIBPSPOResultsOut!Importantdates
CheckyourmarksFinalResultWrittenTestResultExpectedCutOffsandAnalyisPostExamDiscussionLastMinuteTips(ExamStrategy)SBIGKPowerCapsuleDescriptiveTopicsWrittenExamCallLetterDownloadApplyOnline(SBIPO)DetailNotification
SBIPO2013
Between91100Between101110Between111120Between121130Morethan131
Vote Showresults
Votessofar:77475Dayslefttovote:248
Lessthan10Between1114Between1518Between1922Between2326Morethan27
Vote Showresults
Votessofar:46851Dayslefttovote:248
HOWMUCHDIDYOUATTEMPTINREASONINGSECTIONINIBPSPOIV?
Lessthan10Between1113Between1416Between1719Morethan20
Vote Showresults
Votessofar:44761Dayslefttovote:248
HOWMUCHDIDYOUATTEMPTINQUANTSECTIONINIBPSPOIV?
HOWMUCHDIDYOUATTEMPTINENGLISHSECTIONINIBPSPOIV?
NewerPost OlderPostHome
unhonebola...(writtennintervw)combinedmarksFeblasttakaajayengelekinallotmentnotificationkeaccordingApril1st
Subscribe
AddDisqustoyoursited
Privacy
UnionBudget201314EconomicSurvey201213RailBudget201314CategoryCertificateFormatsCharacterCertificateFormatPromotionsinPSUBanksSabbaticalLeavePolicyforWomenBondEnforcementinPSUBanksEconomicSurvey201112ImportantMarketingTermsSBIClerkImportantBankingTerms
IBPSBANKEXAMSIMPORTANTINFO
SSCAddaCareerAddaAchieversAdda
OURAFFILIATES
Lessthan15Between1620Between2125Between2630Morethan30
Vote Showresults
Votessofar:41337Dayslefttovote:248
Lessthan15Between1620Between2125Between2630Morethan30
Vote Showresults
Votessofar:40716Dayslefttovote:248
HOWMUCHDIDYOUATTEMPTINGENERALAWARENESSSECTIONINIBPSPOIV?
Lessthan14Between1516Between1718Morethan19
Vote Showresults
Votessofar:40073Dayslefttovote:248
HOWMUCHDIDYOUATTEMPTINCOMPUTERSECTIONINIBPSPOIV?
IBPSPOIVGKPowerCapsule
Yes
SHOULDSSCEXAMBEONLINE?
YesNoDoesn'tMatter
Vote Showresults
Votessofar:76516Dayslefttovote:231
BAReaderisMahaCrorepati
GetGKUpdatesinyourEmail:
Enteryouremailaddress:
Subscribe
BOBManipalInterviewBatchesatCareerPower
SCOREBOOSTER
BAMOBILEAPP
IBPSSpecialistOfficerIVSBIAssociateClerk2014SyndicateBankSBIAssociatesBankPOIBPSClerkIBPSPO2014TamilnadMercantileBankRBIAssistantsIndianBankSOSIDBIBankofBarodaPOIDBIManipalRecruitmentVananchalGraminBank
ALLRECRUITMENTNOTIFICATIONS
SSCAdda:AllaboutSSCExamsandMore
(Aunitofbankersadda)
SBIAssociatePOFreshBatchesatCareerPower
IBPSCalendar2014:IBPSPO4inOctober,IBPSClerk4inDecember,IBPSRRBinSeptember
IBPSPOOnlineTestSeriesIBPSClerkOnlineTestSeriesSSCCGL2014OnlineTestSeries@[email protected]@Rs.2500BANKPOCorrespondenceCourse@Rs.2500ITOfficerProfessionalKnowledgeCourse(Online)@Rs.199ITOfficerBook(HardCopy)@[email protected]
COURSESBYCAREERPOWER(HUGEDISCOUNT)
CAREERPOWERGHAZIABADCENTRE
OURASSOCIATES
SSCAddaTenureofIndianPresidentstill
date
LatestonCTETAdda
LatestonCTETAddaEnglishQuiz
Poll:IBPSClerkIIIMarksPoll:IBPSPOIIIMarksDreamTeamIBPSClerkIIIJoinIBPSPOIIIDreamTeamStatewisepollofIBPSRRBIIPoll:HowmuchdidyouattemptinIBPSClerkIII?
CAREERADDA
WWW.CAREERADDA.CO.IN
CAREERPOWER
WWW.CAREERADDA.CO.IN
BANKPOWERMOBILEAPP
BankPowerMobileApp
IBPSClerkIIIClassroomProgramIBPSPOIIIClassroomProgramOnlineTestSeries(@Rs.945)BankPOCorrespondenceCourseSSCCorrespondenceCourseBankPOClassroomProgramSSCClassroomProgramSpecialistOfficerBatches
JOINACAREERPOWERPROGRAM
RecentCommentsWidget
RECENTCOMMENTS
IBPSPOIVScoreCardForQualifiedCandidatesOut
DailyGKUpdates6thFebruary2015
DailyGKUpdates5thFebruary2015
DailyGKUpdate9thFebruary2015
InterviewExperienceIBPSClerkSonali
DailyGKUpdate10th
January2015
DailyGKUpdates7th8th
POPULARPOSTS
DailyGKUpdates7th8thFebruary2015
RecentAppointmentsinIndia
DailyGKUpdates4thFebruary2015
AllyouneedtoknowaboutPopulation
EnglishQuiz(1comments)IBPSCalenderfor2015Out:IBPSPOandClericalExamsintwoTiers(1comments)ReasoningQuiz(1comments)UIICLAdministrativeOfficerResultOut(1comments)DailyGKUpdates11thFebruary2015(0comments)UnitedBanktorecruitagain...!!!(0comments)ReasoningQuiz(0comments)InterviewExperienceSyndicateBankPOAnonymous(0comments)DailyGKUpdate10thJanuary2015(0comments)PeopleofDelhigracefullysayPehleAAP(0comments)+GrabThis
MOSTCOMMENTED
270,429,956TOTALPAGEVIEWS
(C)eduffic.com