We ________ (go)home by next week.Correct answer is 'will have gone'. Can you explain this answer?

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We ________ (go) home by next week.

Correct answer is 'will have gone'. Can you explain this answer?

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We ________ (go)home by next week.Correct answer is 'will have gone'. ...

We will have gone home by next week.

Answered by Wizius Careers · View profile

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We ________ (go)home by next week. Correct answer is 'will have been going'. Can you explain this answer?

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Answer the following question based on the information given below.A TURTLE lived in a pond at the foot of a hill. Two young wild Geese, looking for food, saw the Turtle, and talked with him. The next day the Geese came again to visit the Turtle and they became very well acquainted. Soon they were great friends.Friend Turtle, the Geese said one day, we have a beautiful home far away. We are going to fly back to it tomorrow. It will be a long but pleasant journey. Will you go with us?How could I? I have no wings, said the Turtle.Oh, we will take you, if only you can keep your mouth shut, and say not a word to anybody, they said.I can do that, said the Turtle. Do take me with you. I will do exactly as you wish.So the next day the Geese brought a stick and they held the ends of it. Now take the middle of this in your mouth, and dont say a word until we reach home. If you open your mouth, you will not see another day. they said.The Geese then sprang into the air, with the Turtle between them, holding fast to the stick.The village children saw the two Geese flying along with the Turtle and cried out: Oh, see the Turtle up in the air! Look at the Geese carrying a Turtle by a stick! Have you ever seen anything more ridiculous in your life?The Turtle looked down and began to say, Well, if my friends carry me, what business is that of yours? when he let go, and fell dead at the feet of the children.As the two Geese flew on, they heard the people say, when they came to see the poor Turtle, That fellow could not keep his mouth shut. He had to talk, and so lost his life.Q.Read the following situation and choose the best possible alternative.Avishkar repeatedly clocks in fewer hours for his daily work so that he effectively has less work to do in the entire day. This behaviour has been noticed and excused by his colleague, Sagar, for a long time. Last week, however, the team leader got a mail from the client stating that the project was behind schedule and that they would have to put extra hours in the coming weeks to compensate for the delay.Should Sagar talk to the team leader about Avishkar?

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Read the following passage carefully and answer the questions given at the end.Mortgage lender Housing Development Finance Corp (HDFC), loved by global investors for its steady profit growth, faces an intensifying battle for business and market share as banks aggressively push home loans. With Indias economic flu hitting corporate lending, banks have cranked up efforts to tap into the countrys housing loan demand, which has proven to be brick-hard by comparison.Demand for homes, and loans, has been stoked by a persisting housing shortage aslong-term demographic changes - urbanisation, rising incomes, more nuclear families - transform how and where people live in Asias third-biggest economy.With their eyes on the prize, banks such as state-run Bank of India (BOI) and ICICI Bank, the biggest private sector lender, are swarming the market with discounts and special offers, willing to even live with narrower margins. They are also expanding into lower-tier cities, a market that HDFC is nurturing.This is a very safe business. All our branches are working hard to grow home loans. We want to grow faster than the industry, said Anil Verma, BOIs chief financial officer.BOI is setting up branches that only sell auto and home loans, taking five days to process a mortgage. It often takes between two weeks and a month to get a home loan approved in India.State Bank of India (SBI), which dethroned HDFC as Indias top mortgage lender about two years ago, was charging mortgage interest of up to 200 basis points above its base rate in 2011. SBI is now offering home loans at just 10-30 basis points above the base rate, underscoring the intensifying competition.SBIs home loans grew 20 per cent in the September quarter from 13 per cent a year earlier. ICICI doubled its mortgage growth to 23 per cent, while HDFC was flat at 23 per cent, according to a report by Ambit Capital this month.Two of the countrys largest lenders, State Bank of India and HDFC, have cut home loan rates in a surprise bonanza for borrowers who earlier this month saw interest rates inch up. SBI, for the first time, has offered better loan deals to women borrowers. This move, the bank says, will empower women by increasing their share in home ownership. A day after RBI governor Raghuram Raj an decided to hold rates, SBI said that its home loan rates for up to Rs 75 lakh have been reduced from a high of 10.5% to 10.1% if there is a woman borrower involved. Home loans where a male is the sole borrower will incur 10.15%.The mortgage company said that the new rates are valid for all new applications submitted before January 31, 2014. But the battle for mortgage borrowers is threatening to squeeze net interest margins (NIMs). Analysts expect a 10-20 basis point margin decline for banks in the year ending March 2014 from an average of 3.1 per cent in 2010/11.Brokerage Jefferies expects HDFCs NIM to ease to 4.14 per cent from 4.4 per cent over the same period. So far, HDFCs overall profitability has remained unscathed, thanks to demand for homes in smaller cities as well as income from other businesses.For the December quarter, net profit may have risen about 12 per cent from a year earlier to Rs 1280 crore, according to Thomson Reuters I/B/E/S.For its part, HDFC, which counts Blackrock Inc, the Singapore government and Aberdeen Asset Management among its investors, is spreading into smaller cities and towns and seeking more agents to find more mortgage borrowers.It pays a fee to partners Induslnd Bank and Ratnakar Bank to bring in customers, and its share of business from the two banks and other agents has more than doubled in three years to 17 per cent of its total loans in the September quarter.We have to go out, we have to keep reaching out, we have to keep up the effort of finding more and more agents, more and more partners who will source loans for us, HDFC CEO Keki Mistry said in an interview last month.HDFC is also relying increasingly on other businesses including insurance, asset management and private equity to drive profit. In the year ended March 2013, the share of profit from subsidiaries and associate companies more than doubled to 27 per cent from 13 per cent in 2008.HDFCs stock has risen more than five times over the last decade, compared with a 263 per cent gain in the wider market. It also has the highest concentration of foreign institutional ownership of stocks in the Sensex, at more than 74 per cent, according to data on the Bombay Stock Exchange.Investors have long held it for its relatively stable returns. Its shares fell 4 per cent in 2013, but outperformed the bank index, which lost 9 percent.SBI, which accounts for a quarter of all loans in India, expects to grow its mortgage loans by about 20 per cent in the current fiscal year. Smaller rival LIC Housing Finance, which posted a 38 per cent profit increase in the December quarter, also expects to grow at 20 per cent during the year. HDFC has a similar projection.With 60 per cent of Indias population being below 30 years of age, all these people will in the next three, five or seven years need housing and therefore housing loans, HDFCs Mistry said.While industry players say there is enough business to go around, some analysts are not as hopeful.We expect NIMs of both LIC Housing Finance and HDFC Ltd to remain under pressure over FY14-15, owing to continued pressure on incremental spreads from higher competitive intensity, wrote Pankaj Agarwal, analyst at brokerage Ambit Capital, which has a sell rating on HDFC.Q.Based on the information given in the passage, which of the following is not a strategy adopted by banks to grow their home loans?

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Read the following passage carefully and answer the questions given at the end.Mortgage lender Housing Development Finance Corp (HDFC), loved by global investors for its steady profit growth, faces an intensifying battle for business and market share as banks aggressively push home loans. With Indias economic flu hitting corporate lending, banks have cranked up efforts to tap into the countrys housing loan demand, which has proven to be brick-hard by comparison.Demand for homes, and loans, has been stoked by a persisting housing shortage aslong-term demographic changes - urbanisation, rising incomes, more nuclear families - transform how and where people live in Asias third-biggest economy.With their eyes on the prize, banks such as state-run Bank of India (BOI) and ICICI Bank, the biggest private sector lender, are swarming the market with discounts and special offers, willing to even live with narrower margins. They are also expanding into lower-tier cities, a market that HDFC is nurturing.This is a very safe business. All our branches are working hard to grow home loans. We want to grow faster than the industry, said Anil Verma, BOIs chief financial officer.BOI is setting up branches that only sell auto and home loans, taking five days to process a mortgage. It often takes between two weeks and a month to get a home loan approved in India.State Bank of India (SBI), which dethroned HDFC as Indias top mortgage lender about two years ago, was charging mortgage interest of up to 200 basis points above its base rate in 2011. SBI is now offering home loans at just 10-30 basis points above the base rate, underscoring the intensifying competition.SBIs home loans grew 20 per cent in the September quarter from 13 per cent a year earlier. ICICI doubled its mortgage growth to 23 per cent, while HDFC was flat at 23 per cent, according to a report by Ambit Capital this month.Two of the countrys largest lenders, State Bank of India and HDFC, have cut home loan rates in a surprise bonanza for borrowers who earlier this month saw interest rates inch up. SBI, for the first time, has offered better loan deals to women borrowers. This move, the bank says, will empower women by increasing their share in home ownership. A day after RBI governor Raghuram Raj an decided to hold rates, SBI said that its home loan rates for up to Rs 75 lakh have been reduced from a high of 10.5% to 10.1% if there is a woman borrower involved. Home loans where a male is the sole borrower will incur 10.15%.The mortgage company said that the new rates are valid for all new applications submitted before January 31, 2014. But the battle for mortgage borrowers is threatening to squeeze net interest margins (NIMs). Analysts expect a 10-20 basis point margin decline for banks in the year ending March 2014 from an average of 3.1 per cent in 2010/11.Brokerage Jefferies expects HDFCs NIM to ease to 4.14 per cent from 4.4 per cent over the same period. So far, HDFCs overall profitability has remained unscathed, thanks to demand for homes in smaller cities as well as income from other businesses.For the December quarter, net profit may have risen about 12 per cent from a year earlier to Rs 1280 crore, according to Thomson Reuters I/B/E/S.For its part, HDFC, which counts Blackrock Inc, the Singapore government and Aberdeen Asset Management among its investors, is spreading into smaller cities and towns and seeking more agents to find more mortgage borrowers.It pays a fee to partners Induslnd Bank and Ratnakar Bank to bring in customers, and its share of business from the two banks and other agents has more than doubled in three years to 17 per cent of its total loans in the September quarter.We have to go out, we have to keep reaching out, we have to keep up the effort of finding more and more agents, more and more partners who will source loans for us, HDFC CEO Keki Mistry said in an interview last month.HDFC is also relying increasingly on other businesses including insurance, asset management and private equity to drive profit. In the year ended March 2013, the share of profit from subsidiaries and associate companies more than doubled to 27 per cent from 13 per cent in 2008.HDFCs stock has risen more than five times over the last decade, compared with a 263 per cent gain in the wider market. It also has the highest concentration of foreign institutional ownership of stocks in the Sensex, at more than 74 per cent, according to data on the Bombay Stock Exchange.Investors have long held it for its relatively stable returns. Its shares fell 4 per cent in 2013, but outperformed the bank index, which lost 9 percent.SBI, which accounts for a quarter of all loans in India, expects to grow its mortgage loans by about 20 per cent in the current fiscal year. Smaller rival LIC Housing Finance, which posted a 38 per cent profit increase in the December quarter, also expects to grow at 20 per cent during the year. HDFC has a similar projection.With 60 per cent of Indias population being below 30 years of age, all these people will in the next three, five or seven years need housing and therefore housing loans, HDFCs Mistry said.While industry players say there is enough business to go around, some analysts are not as hopeful.We expect NIMs of both LIC Housing Finance and HDFC Ltd to remain under pressure over FY14-15, owing to continued pressure on incremental spreads from higher competitive intensity, wrote Pankaj Agarwal, analyst at brokerage Ambit Capital, which has a sell rating on HDFC.Q.Which of the following can be concluded from the passage?

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Directions: Ramesh and Suresh are business partners who run a manufacturing unit that produces nuts and bolts. This is an industry which has essentially been running the same way for the last two decades with the same machinery and next to no technological innovation. Last week, Ramesh and Suresh were approached by a salesman of PQR Machine tools and he showcased to them a new machinery in this field which will help reduce scrap production (the amount of metal wasted while producing nuts and bolts) by 25%. This could mean a significant annual saving for the company but the cost of buying and installing this new machinery (which would also mean halting production for some tim e) is quite a lot and on current estimates, it will at least take 5 years to the company to re-coup the costs.Ramesh is enthusiastic about this idea and wants to go ahead with the idea. Suresh does not view this idea with the same enthusiasm. Which, out of the following, if suggested by Suresh, could change Ramesh's mind?

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