rbi grade b phase ii descriptive super notes: english
TRANSCRIPT
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
English
Reserve Bank of India – Grade B Exam
Phase II - Descriptive
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
RBI – DESCRIPTIVE – SUPER NOTES
English
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
Contents
1. Essay
2. Précis Writing
3. Comprehension
4. Business/Office Correspondence
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
ESSAY
1.
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
An Essay
- Essay can be defined as “An analytic or interpretive
literary composition”
- The author is expected to analyse and present the interpretations
to the reader in a way that is easy to understand
- At work these skills prove useful while writing reports and other
official communication.
- Ideal reports are those which have analytical and interpretive depth
and are easy to understand for the target audience
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
A ‘Good’ Essay
Everything is relevant to and centered around a single theme Everything is relevant to and centered around a single theme
Ordered line of thought giving a definite conclusion Ordered line of thought giving a definite conclusion
Expression should be brief and concise – verbosity is a sin Expression should be brief and concise – verbosity is a sin
Conversational – easy, natural and familiar yet professional style Conversational – easy, natural and familiar yet professional style
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
Types of Essays
•Reflections or thoughts on some topic
Reflective Essays Reflective Essays
•Narration of an event, or series of events
Narrative Essays Narrative Essays
•Description of some place, thing etc.
Descriptive Essays Descriptive Essays
•And exposition or explanation of some subject
Expository Essays Expository Essays
•Based on imagination – feelings and experiences
Imaginative Essays Imaginative Essays
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
How to prepare?
Read Read Observe Observe Discuss Discuss
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
Traditional Structure of the Essay
Punch Line Punch Line
Introduction Introduction
Body Body
• Divided into well constructed and proportionate paragraphs
Conclusion Conclusion
Parting Thought Parting Thought
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
Essay Writing – Steps to Success
Think about the subject Think about the subject
Put the ideas on paper Put the ideas on paper
Classify similar points in groups – each with a
separate heading
Classify similar points in groups – each with a
separate heading
Order these headings to have a logical sequence
of thought
Order these headings to have a logical sequence
of thought
Introduction: Begin writing the essay with an
arresting introduction
Introduction: Begin writing the essay with an
arresting introduction
Body: Convert the points with headings into well
constructed and proportionate
paragraphs
Body: Convert the points with headings into well
constructed and proportionate
paragraphs
Conclusion: An effective and satisfying conclusion Conclusion: An effective and satisfying conclusion
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
Sample Exercises
Media
•Media and moral policing
•The Role of Media in a Crisis
Media
•Media and moral policing
•The Role of Media in a Crisis
Peace
•The Future of Peace in India
•Can we leave the world a safer place for the next generation?
Peace
•The Future of Peace in India
•Can we leave the world a safer place for the next generation?
Current Affairs
•The 2008 recession was a myth in India.
•The Nuclear Deal
•What went wrong in Singur
•Solutions to stem the tide of global warming.
Current Affairs
•The 2008 recession was a myth in India.
•The Nuclear Deal
•What went wrong in Singur
•Solutions to stem the tide of global warming.
Sports
•Can we host the Olympics?
•In the light of the popularity of ODIs and 20-20 has test cricket a future?
Sports
•Can we host the Olympics?
•In the light of the popularity of ODIs and 20-20 has test cricket a future?
Others
•Has the virtual workplace become a reality?
•Health insurance and wealth!
•Whats wrong with the SEZ policy?
•Share markets : who's the greatest fool?
•Natural disasters and the politics of aid.
Others
•Has the virtual workplace become a reality?
•Health insurance and wealth!
•Whats wrong with the SEZ policy?
•Share markets : who's the greatest fool?
•Natural disasters and the politics of aid.
Education
•Laptops for notebooks, what next in schools?
•Are foreign degrees worth pursuing?
•Formal education is the only way to success in life.
•Business Schools – more business than school?
Education
•Laptops for notebooks, what next in schools?
•Are foreign degrees worth pursuing?
•Formal education is the only way to success in life.
•Business Schools – more business than school?
Indo-China relations
•Are Chinese goods a threat to Indian industry?
•Is China a threat to India?
Indo-China relations
•Are Chinese goods a threat to Indian industry?
•Is China a threat to India?
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
PRÉCIS WRITING
2.
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
Précis Writing
• Précis means “A sketchy summary of the main points of an
argument or theory”
• As the name suggests it is an exercise in compression – to express
the gist or main theme of a passage in as few words as possible
• At work Précis Writing skills help a person to make efficient
utilization of the content of reports and other data laden
documents – of course the said person must have good
comprehension and interpretive ability
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
Précis Writing - Steps to Success
Reading: To understand the main
theme
Reading: To understand the main
theme
Detailed Reading: To understand the
semantics
Detailed Reading: To understand the
semantics
Short Title to be given to express the
subject
Short Title to be given to express the
subject
Write the important points central to the
theme of the passage
Write the important points central to the
theme of the passage
Write the first draft in your own words –
remodeling not omission
Write the first draft in your own words –
remodeling not omission
Revise your draft to ensure that all
important points have been covered
Revise your draft to ensure that all
important points have been covered
Proofread to ensure there are no
grammatical or spelling errors
Proofread to ensure there are no
grammatical or spelling errors
Write out the fair copy under the
Short Title chosen by you
Write out the fair copy under the
Short Title chosen by you
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
Sample Exercises
Make a précis of the following passages, reducing it to about 250 words and give it a suitable title. Write
your précis on the special sheet provided for the purpose:
1. Look beyond the stockmarkets, especially at the seized-up money markets, and there is little to see except bank failures, emergency rescues and high anxiety in the credit markets. These forces are drawing the financial system closer to disaster and the rich world to the edge of a nasty recession The crisis is spreading in two directions—across the Atlantic to Europe, and out of the financial markets into the real economy. Governments have been dealing with it disaster by disaster. They have struggled to gain control not just because of the speed of contagion but also because policymakers, and the public they serve, have failed fully to grasp the breadth and depth of the crisis. Western Europe is not the limit of this: the panic has also struck banks in Hong Kong, Russia and now India. And it is not just the geographical breadth of this crisis that is alarming, but also its economic depth.Because it is rooted in the money markets, it will feed through to businesses and households in every economy it hits. Most of the time nobody notices the credit flowing through the lungs of the economy, any more than people notice the air they breathe. But everyone knows when credit stops circulating freely through markets to banks, businesses and consumers. For almost a year the markets had worried about banks’ liquidity and solvency. After the bankruptcy of Lehman Brothers last month, amid confusion about whom the state would save and on what terms, they panicked. The markets for three-, six- and 12-month paper are shut, so banks must borrow even more money overnight than usual. Banks used to borrow from each other at about 0.08 percentage points above official rates; on September 30th they paid more than four percentage points more. In one auction to get dollar funds overnight from the European Central Bank, banks were prepared to pay interest of 11%, five times the pre-crisis rate. Astonishingly, rates scaled these extremes even as the Federal Reserve promised $620 billion of extra funding. This is why those politicians who set the interests of Main Street against those of Wall Street are so wrong. Sooner or later the money markets affect every business. Companies face higher interest charges and the fear that they may one day lose access to bank loans altogether. So they, too, hoard cash, cancelling acquisitions and investments, in order to pay down debt. Managers delay new products, leave factories unbuilt, pull the plug on loss-making divisions, and cut costs and jobs. Carmakers and other manufacturers will no longer extend credit and loans will become elusive and expensive. Consumers will suffer. Unemployment will rise. Even if the credit markets work well, the rich economies will slow as the asset-price bubble pops. If credit is choked off, that slowdown could turn into a deep recession.
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
Sample Exercises Contd.
Financial markets need governments to set rules for them; and when markets fail, governments are often best placed to get them going again. That’s pragmatism, not socialism. Helping bankers is not an end in itself. If the government could save the credit markets without bailing out the bankers, it should do so. But it cannot. Main Street needs Wall Street; and both need Washington. Politicians—and President George Bush is the most culpable among them —have failed to explain this. Governments need not just to communicate, but also to co-ordinate. Past banking crises show that late, piecemeal rescues cost more and work less well. Ad hoc mergers work for a while, but demands for help tend to recur. Inconsistency sows uncertainty. Cross-border banking can make one country’s policies awkward for the neighbours: the Irish government’s guarantee of all deposits threatens to suck in money from poorly protected British banks. France’s suggestion on October 1st that Europe’s governments should work together was a good one; Germany’s rejection of it was wrong. Central banks have co-ordinated their liquidity operations. Now that oil prices have plunged and worries about inflation are receding, interest-rate cuts are possible. They would be more powerful if co-ordinated. But it is not only central banks that need to combine. Whatever America’s Congress does, governments should work together on principles to stabilise and recapitalise banks—not just to stem panic but also to save money. Even if, as the Europeans claim, the crisis was made in America, it now belongs to everyone. 2. The idea that mobile phones bring economic benefits is now widely accepted. In places with bad roads, few trains and parlous land lines, they substitute for travel, allow price data to be distributed more quickly and easily, enable traders to reach wider markets and generally ease the business of doing business. Leonard Waverman of the London Business School has estimated that an extra ten mobile phones per 100 people in a typical developing country leads to an extra half a percentage point of growth in GDP per person. To realise the economic benefits of mobile phones, governments in such countries need to do away with state monopolies, issue new licences to allow rival operators to enter the market and slash taxes on handsets. With few exceptions (hallo, Ethiopia), they have done so, and mobile phones are now spreading fast, even in the poorest parts of the world. As mobile phones have spread, a new economic benefit is coming into view: using them for banking, and so improving access to financial services, not just telecoms networks. Pioneering m-banking projects in the Philippines, Kenya and South Africa show the way. These "branchless" schemes typically allow customers to deposit and withdraw cash through a mobile operator's airtime-resale agents, and send money to other people via text messages that can be exchanged for cash by visiting an agent. Workers can then be paid by phone; taxi-drivers and delivery-drivers can accept payments without carrying cash around; money can be easily sent to friends and family. A popular use is to deposit money before making a long journey and then withdraw it at the other end, which is safer than carrying lots of cash. There is no need to set up a national network of branches or cash machines. M-banking schemes can be combined with microfinance loans, extending access to credit and enabling users to establish a credit history. Some schemes issue customers with debit cards linked to their m-banking accounts. All
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
Sample Exercises Contd.
this has the potential to give the "unbanked" masses access to financial services, and bring them into the formal economy. What can governments do to foster m-banking? As with the spread of mobile phones themselves, a lot depends on putting the right regulations in place. They need to be tight enough to protect users and discourage money laundering, but open enough to allow new services to emerge. The existing banking model is both over- and under-protective, says Tim Lyman of the World Bank, because "it did not foresee the convergence of telecommunications and financial services." In many countries only licensed banks are allowed to collect deposits. Even if a mobile operator forms a partnership with a bank, its agents may have to comply with banking rules covering everything from the height of the counter to the installation of alarms. Financial institutions may have to provide detailed statements to the central bank every week, which is tricky for organisations with agents in remote areas. Some countries have rigid rules on the documents demanded of anybody opening an account, which excludes many. Some of these rules, which are based on an outdated view of what banking looks like, should be relaxed. Allowing institutions other than banks to enter the market makes sense, provided regulatory oversight and consumer-protection measures are in place. Strict proof of identity may not be needed for some customers, given the small sums involved. And existing m-banking schemes set a limit on the size of transactions that is low enough to deter money-launderers but high enough to satisfy most customers. The regulatory approach being taken in the Philippines provides a good model for other countries. Rather than trying to work out the best rules in advance, which could hamper innovation, the regulator is working closely with the banks and operators behind the country's two m-banking schemes. That way the regulator can see what is going on, so the schemes' operators get more flexibility. The experience will feed into new banking regulations. Rules that are too tight will hinder adoption; rules that are too lax could allow fraudsters to bring the whole idea of branchless banking into disrepute. But if regulators strike the right balance, m-banking may provide the next example of the mobile phone's transformational power. 3. THE term “patent” implies accessibility. It derives from the Latin litterae patentes, or “open letters”, which were public documents issued by a ruler that conferred certain rights, such as a rank, a title or an official appointment. In the past, there were patents of nobility, of land conveyance and of monopoly; now there are mainly patents of invention, and they are generally seen as a way of excluding others rather than opening up. However, the etymology of the term throws light not only on the origins of intellectual property but also, perhaps, on its future. Just as in the beginning patents were as much about public disclosure as about private ownership, they are now starting to be used as a way of spreading technology more widely, albeit in the form of establishing property rights to it.
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
Sample Exercises Contd.
The intellectual-property system that developed in the West, and is now in use worldwide, has been widely criticised, and for good reason. But this survey has sought to show that the critics are missing the bigger picture. The role of intellectual property is changing from that of an asset used by businesses for their own purposes to that of an input for webs of innovation among clusters of firms. Intellectual property is moving from enabling a transfer of knowledge to creating a market for it. It is providing liquidity for innovation. “Patents are more a form of currency than they are a brick wall,” explains David Kaefer of Microsoft. These days, companies are using intellectual property to provide legal certainty for their development community. Be it through licensing agreements, patent pools or a commons for open-source, innovations are increasingly being shared. But there is a risk that the industry as a whole might suffer unless even more intellectual-property exchanges can take place. “The question is, are we going to create a world where a few big people create peace for their fiefdoms, or a marketplace for ideas, recognising that the system is not a perfect market?” asks Mr Kaefer. To some, the very idea of turning the patent system into a market is repellent. “It is like a market for forged banknotes...you can't argue for [such a] market simply because it trades,” says Rishab Aiyer Ghosh of the University of Maastricht. Software should be protected by copyright, he believes, but patents discourage follow-on innovations. Questioning the legitimacy of patents is nothing new. In the early days of electricity, for example, there were debates over whether such innovations should be awarded patents at all, because electricity appeared to be a natural phenomenon, and new ways of harnessing it seemed to be more of a discovery, not an invention. Similar debates are now in progress about software patents and gene sequences.The contention here is that, unlike physical property, ideas are non-rivalrous goods that can be used by many people at the same time without making them any less useful. Ideas are to the information age what the physical environment was to the industrial one: the raw material of economic progress. Just as pollution or an irresponsible use of property rights threatens land and climate, so an overly stringent system of intellectual-property rights risks holding back technological progress. Disruptive innovation that threatens the existing order must be encouraged, but the need to protect ideas must not be used as an excuse for greed. Finding the right balance will test the industry, policymakers and the public in the years ahead.
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
COMPREHENSION
3.
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
Comprehension
• A comprehension exercise consists of a passage upon which questions are
set to test the student’s ability to understand the content of the given text
and to derive solutions from his understanding
• The difficulty level of the exercise may vary from simple passages with
easy English and straightforward questions to highly difficult with literary
English and complex questions assessing judgment and inferential
reasoning ability
• At work comprehension skills allow a person to understand and interpret
reports and other relevant material including communication properly
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
Comprehension – Steps to Success
Quick Reading of the passage - Gives you a general idea of the contents Quick Reading of the passage - Gives you a general idea of the contents
Read the questions that need to be answered Read the questions that need to be answered
Second Reading at normal pace – To know and understand the details Second Reading at normal pace – To know and understand the details
As and when you reach the relevant portions – read the respective question again and answer it As and when you reach the relevant portions – read the respective question again and answer it
Generally, marking important points during first reading using various symbols is considered to be an important tactic for success. However, in examinations where time is a constraint it is not recommended.
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
Sample Exercises
• In r/o passage 1 above (précis writing):
• (i) Answer any two of the following questions on the passage, briefly and in your own words:- (10 marks)
1) What are the forces affecting the financial system?
2) How are the governments coping?
3) To what does the writer compare the flow of credit?
4) Examine the role of governments in the financial markets.
5) List a few problems faced by the banks.
• (ii)Explain clearly and briefly the contextual meaning and implications of any three of the following expression in
the passage:- (6 marks)
1) to gain control
2) hoarding cash
3) pull the plug
4) ad hoc
5) rooted in
6) solvency
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
Sample Exercises contd.
• In r/o passage 2 above (précis writing):
• (i) Answer any two of the following questions on the passage, briefly and in your own words:- (10 marks)
1) Explain the benefits of using mobile phones.
2) List the improvements to financial services through M-banking projects.
3) What are the drawbacks of this system?
4) How is the Philippines model useful to us?
• (ii)Explain clearly and briefly the contextual meaning and implications of any three of the following expression in
the passage:- (6 marks)
1) access to credit
2) slash taxes
3) to foster M-banking
4) did not foresee
5) to deter money-launderers
6) need to be tight enough to comply with
7) hamper innovation
8) strike the right balance
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
Sample Exercises contd.
• In r/o passage 3 above (précis writing):
• (i) Answer any two of the following questions on the passage, briefly and in your own words:- (10 marks)
1) Outline the change in the role of intellectual property
2) In what sense can patent be seen as a form of currency?
3) Why is the idea of the patent system as a market regarded as a problem?
4) Explain why ideas are regarded as non-rivalrous goods?
• (ii)Explain clearly and briefly the contextual meaning and implications of any three of the following expression in
the passage:- (6 marks)
1) fiefdom
2) brick wall
3) enter the fray
4) follow-on innovations
5) COMMON FOR OPEN-SOURCE
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
BUSINESS/OFFICE CORRESPONDENCE
4.
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
Points to keep in mind
Make sure the language you use is appropriate to the degree of
formality required depending on the type of relationship between
you and the people you are writing to.
Make sure the language you use is appropriate to the degree of
formality required depending on the type of relationship between
you and the people you are writing to.
Make sure the salutation and valediction (the greeting at the beginning and the formula with
which you sign off at the end) are appropriate to the general tone of
the circular.
Make sure the salutation and valediction (the greeting at the beginning and the formula with
which you sign off at the end) are appropriate to the general tone of
the circular.
Give the contents of the circular a logical structure by separating it
into short paragraphs:
Give the contents of the circular a logical structure by separating it
into short paragraphs:
Introduce the reason for the correspondence; present the
facts, arguments or considerations in detail; end with a conclusion based on a synthesis,
a request, a proposal, etc.
Introduce the reason for the correspondence; present the
facts, arguments or considerations in detail; end with a conclusion based on a synthesis,
a request, a proposal, etc.
Express your ideas clearly, precisely and concisely.
Express your ideas clearly, precisely and concisely.
Use the first person singular (I): I would like to inform you ..., I am
grateful for ..., etc. or the first person plural (we) as is
appropriate
Use the first person singular (I): I would like to inform you ..., I am
grateful for ..., etc. or the first person plural (we) as is
appropriate
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
Proposals - Structure
Reference Number and other initial details
Reference Number and other initial details
Introduction: Need for proposal, details of
beneficiary etc.
Introduction: Need for proposal, details of
beneficiary etc.
Details of the proposal including past
experience, if any, in similar scenarios or with
same beneficiary
Details of the proposal including past
experience, if any, in similar scenarios or with
same beneficiary
Appraisal: Technical, Financial etc.
Appraisal: Technical, Financial etc.
Detailed discussion of the benefits of
implementation
Detailed discussion of the benefits of
implementation
Conclusion: Sum up everything discussed
above with a request to the delegated authority
to approve
Conclusion: Sum up everything discussed
above with a request to the delegated authority
to approve
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
Report Writing - Structure
Executive Summary Executive Summary
Introduction to the subject matter
Introduction to the subject matter
Present the data related to subject matter –
details of any studies that have been
conducted
Present the data related to subject matter –
details of any studies that have been
conducted
Detailed discussion of the findings
Detailed discussion of the findings
Conclusion: Sum up everything discussed
above and present the inferences, if any
Conclusion: Sum up everything discussed
above and present the inferences, if any
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
Letter Writing - Structure
Reference Number Reference Number
Heading: Intended reader’s address and Date
Heading: Intended reader’s address and Date
Subject Subject Courteous greeting or
salutation Courteous greeting or
salutation
Communication or message: Divided into
reference + introduction, body, conclusion +
expected action
Communication or message: Divided into
reference + introduction, body, conclusion +
expected action
Courteous valediction Courteous valediction Singature, Name and Designation of writer Singature, Name and Designation of writer
Superscription on the envelope
Superscription on the envelope
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
Circular Writing - Structure
Reference Number: To identify the document
Reference Number: To identify the document
Salutation Salutation
Subject Subject
Body: Introduction - presentation of the reason for the circular,
Development - description/explanation of the
facts, arguments, etc., Conclusion - request, summary of the facts, etc.
Body: Introduction - presentation of the reason for the circular,
Development - description/explanation of the
facts, arguments, etc., Conclusion - request, summary of the facts, etc.
Valediction Valediction
Signature, Full Name, Designation, Date and Place
Signature, Full Name, Designation, Date and Place
Postscript (PS): additional information, such as references to
documents, presence of any material enclosed, followed by the
name or brief description of the enclosure, at the end of the
circular.
Postscript (PS): additional information, such as references to
documents, presence of any material enclosed, followed by the
name or brief description of the enclosure, at the end of the
circular.
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
Sample Exercises
Attempt any one of the following in about 250 words :- (20 marks)
Proposals Proposals
•On behalf of the employees of your bank, draft a representation to the management asking for improvement in infrastructure for better work performance.
•Draft a proposal to disburse funds and relief material to the flood hit victims of Bihar.
•You have been asked to draft a proposal to sponsor a sports event for specially disabled children on republic day.Draw up the proposal.
•As the MLA from a rural area, draft a proposal to start a Technical College in your area.
•Offer financial advice to a party that has come in to explore investment avenues. Point out the benefits of investing in mutual funds rather than fixed deposits.
•Imagine yourself to be the Governor of the Reserve Bank. What measures would you adopt in the present financial crisis?
Report Writing Report Writing
•Draft a brief investigative report as Assistant manager, on you findings about the recent instances of conflict among your junior staff members.Recommend solutions.
•You have been asked to investigate why bank customers in a particular region are reluctant to use ATMs.Write a report on your findings.
•A car manufacturer has appointed a committee to investigate the feasibility of setting up a car manufacturing plant in India. As the chairperson of the committee, draft your report with recommendations.
Letter Writing Letter Writing
•Write a letter to the HRD department, explaining the need for a course in anger management .
Circular Writing Circular Writing
•Draft a circular to all employees outlining the enegy-saving measures being implemented by your organisation.
•As the General Manager of a company, draft a circular to all employees about austerity measures to be adopted, in order to tide over the recession.
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business
Do you have any questions or queries or some feedback to give?
Just mark an email to [email protected]
RBI – Descriptive – Super-Notes © M S Ahluwalia Sirf Business For more Super-Notes: Click Here
M S Ahluwalia, amongst other things, is a visual artist, blogger,
blog designer, MBA, CAIIB (First Class with
Distinction) and Ex-Banker from New Delhi, India.
To know more visit : Estudiante De La Vida