Tuesday, 28 October 2014



1.BRICS summit ( Brazil, Russia, India, China, South‐Africa.) :-
● 5th Summit 2013 : (Durban) South Africa:
● 6th BRICS Summit 2014: to be held in Fortaleza, Brazil from 15‐17 July 2014.
● Next 7th BRICS Summit to be held in Ufa, Russia

2. BIMSTEC Summit :-
● 3rd BIMSTEC summit 2014: Nay Pyi Taw (Myanmar)
● 4th BIMSTEC summit will be held in Nepal.

3. Nuclear security summit :-
● 2nd Summit 2012 – Seoul, South Korea.
● 3rd Summit 2014 - Hague, Netherland
● 4th Summit 2016 - United States

4.G 8 Summit :-
● 39th Summit 2013: United Kingdom. (Northern Ireland)
● G‐8 Countries: Canada, France, Germany, Italy, Japan, Russia, Britain and the US.
● 40th G‐7 summit 2014 held at Brussels.

5. G 20 Summit :-
● G‐20 meeting (2014) of Finance ministers and central bank governors held in Sydney (Australia).
● G20 Leaders Summit (2014) will be held in Brisbane, Queensland Australia, in November 2014.

6. SAARC Summit :-
● 3rd SAARC ministerial meet on poverty alleviation 2013 Kathmandu (Nepal)

● 18th SAARC Summit 2014‐ Kathmandu (proposed)

7. NATO Summit :‐
● NATO Summit 2014 will be held in Britain. (Britain last hosted the summit in 1990, when Margret Thatcher was Prime Minister).

8. IBSA Summit :-
● India will host the next summit of IBSA (India, Brazil, South Africa) in New Delhi in 2015.

● 18th BASIC Ministerial Meeting held in New Delhi.
BASIC - (Brazil, South Africa, India and China)
Note : 17th Meeting on Climate Change was held in Hanzghou, China

● ASEAN foreign-minister-meeting held in Myanmar.

● Fifth Indo-US Strategic Dialogue held in New Delhi during which
the two sides discussed “transformative initiatives” in key areas of
security and energy.

● 3rd India-Africa Summit will be held in New Delhi.

● 6th International Nuclear Energy Forum ATOMEXPO-2014 held
in Moscow.

● World Economic Forum 2014: held in Abuja (Nigeria). Bharti Enterprises founder and Chairman Sunil Bharti Mittal co– chair this year’s edition of the World Economic Forum on Africa.

All Question Asked in IBPS RRB Exam from 6 Sep to 20 Sep

All Question Asked in IBPS RRB Exam from 6 Sep to 20 Sep

Ga Questions Asked in IBPS RRB PO 6 September Morning Shift
1. Capital Of Bhutan-Thimphu
2. Italy Currency- Euro
3. Current CRR- 4%
4. World habitat day- October 6(observed every year on the first Monday of October throughout the world)
5. Minimum limit for RTGS-2 lakh
6. Boeing plane crashed down in which country- Ukraine
7. Current foreign minister- Sushma Swaraj
8. rural population as per census 2011- 68.84 %
9. Length of railway tracks as per railway budget -115,000 km
10. Sania mirza is a brand ambasder of which state- Telangana
11. Mettur Dam on Kaveri River is in which state- Tamil Nadu
12. Role of Banking Ombudsman - resolve complain of customers related with banking services
13.Role of KYC- KYC is used to verify identify of customer to prevent money Laundering
14. Which Author Got Padma Bhushan recently- Ruskin Bond
15. Next G-20 summit (2015) is to be held in – Turkey.
16. Largest consumer of antibiotics- India
17. Who is ISIS- is a Jihadist militant group in Iraq and Syria
18. Where is Cauvery Wildlife Sanctuary located- Karnataka.
19. Parupalli kashyap related to which sport- Badminton
20. Cartoonist pran famous for- Creating Chacha Chaudhary
22. Children above 10 yrs of age are not allowed which facility – Banking Facility
23. Where is SHIGMO festival celebrated – Goa
24. Face to face video communication in which bank – Indusind Bank.
25. First Bank to set up Payment Gateway – SBI
26. India and Brazil agreement 2014 – trade and investment flows.
27. Palestinian Hamas is – Palestinian Islamist political organization and militant group.
28. EBOLA first discovered in which country – Democratic Republic of Congo
29. Aajeevika " scheme" is also known as - National Rural Livelihoods Mission (NRLM)
Ga Questions Asked in IBPS RRB PO 6 September Evening Shift

1. Capital Of Brazil-Brasília
2. World AIDS Day- 1 December
3. Indian Company to cross 5 cr in mrkt- Tcs
4. Austria Currency-Euro
5. Union budget allocated for Sc development - Rs 50,548 cr
6. TARC Committee head- Parthasarathi Shome
7. Saarc 18th summit- Nepal(kathmandu) in November 2014.
8 . Article of Consitution related with Absence of Nominated Member of Rajya Sabha- Article 104
9. Strictly Personal: Manmohan and Gursharan- by Daman Singh
10. 'Van Bandhu Kalyan Yojna'- for holistic development of tribals
11. Gagan narang is related to which sports- Air rifle shooting
12. Chutak power plant in which state- Jammu and Kashmir
13.Who elected head of Arujna award selection committee – Kapil Dev
14. BBPS Full form – Bharat Bill Payment System
15. Largest solar power plant in which district of MP - Rewa district
16. Commodity market regulator – Forward Markets Commission
17. PLR is also known as – Base Rate
18.Tata SIA airlines known as – Vistara
19.Road development minister? – Nitin Gadkari
20. NTCA Full Form- National Tiger Conservation Authority
21Ebola virus inventor scientist : Peter Piot (Belgium)
22.Rural Population in India according to 2011 census – 83.3 Crore
Ga Questions Asked in IBPS RRB PO 7 September Morning Shift
1. Rural population highest in the state - Uttar Pradesh
2. Capital of Egypt- Cairo
3. The Vijay Mallya Story written -by K Giriprakash
4. Currency of Republic of Finland- Euro
5. SIT head dealing with black money probe- MB Shah
6. ATM Free usage reduced from 5 to 3 in which cities it will come in effect- six metros( Mumbai, Kolkata, New Delhi, Bengaluru, Hyderabad, Chennai.) Pune and Jaipur are wrong answers
7. Tribal Minister from which constituency-Sundargarh constituency of Odisha
8. 1st Skill Development Centre- Jaipur
9. World Diabetes Day-14 Nov.
10. Joshna Chinappa and Dipika Pallikal related with which sports-squash
11. Committe name related with review of bank governance - J P nayak
12. Brics summitt 2015 to be held in- Russia
13. Pongal celebrated in-Tamil Nadu
14. Min paid capital of small payment banks- 100 Crore
15. Chandraprabha wildlife sanctuary located in - Uttar Pradesh
16. RBI panel head who recommend CPI formula - Urjit Patel Committee
17. Railway passenger per day Travel according to Budget- 23 million
18. Comet for which European Space Agency made a Rosetta spacecraft - 67P/C-G
19. E-baat full form - Electonic Banking Awareness and technology
20. FII is registered under which organization – SEBI
21. CNBT full form – Comprehensive Nuclear-Test Ban Treaty
22. Muzaffar Ali winner of Rajiv Gandhi National Sadbhawna award for directed- Umrao Jaan
23. Dhronacharya award committee headed by - Ajitpal singh
24. Physics nobel prizi 2013- Francois Englert + Peter W. Higgs
25. Lanco Udupi Coal Mega Power Plant bought by - Adani group
26. Commercial paper issued in form of- Promissory note
27. FDI must registered under - SEBI
28.Excessive deteriorate notes from fire, water washing - Mutilated notes
Ga Questions Asked in IBPS RRB PO 7 September Evening Shift
1.Currency of Netherlands - Euro
2. Consumer and food affair minister- Ram Vilas Paswan
3. V.k.iyengar who died is related to - Yoga
4. Highest urban population - Maharashtra
5. The Nimoo Bazgo power project in which city- Leh ( Jammu and Kashmir)
6. Who won the prize along with sharad Yadav and arun jaitley given by president- karan Singh
7. Bihu festival related to which state - Assam
8. Roger Federer is related to which Sports- Lawn Tennis
9. First bank to launch EMI on debit cards - ICICI Bank
10. AIMA Full Form-All India Management Association
11. Who won emerging business leader of year award given by AIMA - Godrej group Chairman Adi Godrej
12. The 2014 Summer Youth Olympics was held at? – Najing, China
13. International Human Rights day is celebrated on : December 10th
15. The next IBSA summit will be hosted by which country —India
16. What is Stale Cheque- Cheques that are dated as old as 3months
17. Who is Food Processing Minister - Harsimrat Kaur Badal
18. RBI given license to which micro finance institute- IDBI & Bandhan
19. Forward and Future Market Regulator - Forward Markets Commission
20. Who is administerd “Varishtha Pension Bima Yojana” = LIC
21. Prime Minister Narendra Modi commissioned________at the Naval base and most powerful
guided missile-destroyer – INS Kolkata
22. How much amount for ” Deen Dayal Upadhyay Gram Jyoti Yojana”- Rs. 500 cr.
23. Surya Kiran-7 military exercise is being held between india and- Nepal
24. what we call -------(some story telling) in A.P and Telangana - Hari Katha
25. How much capital to be infused in banks to meet Basel-III norms by 2018 as per union budget – Rs 2.40 lakh crore
26. Capital of Australia- Canberra
Ga Questions Asked in IBPS RRB PO 13 September Morning Shift
1. NDTL full form- Net Demand and time Liability
2.Capital of ethiopa - Addis Ababa
3. World Red Cross day- May 8
4. Currency of libya- Libyan dinar
5. What is INS Kamrota?-anti-submarine
6. New PAC Chairman-Congress leader K V Thomas
7. Director of movie Gandhi who died recently-Richard Attenborough
8. Cartonist Pran was famous for which cartoon character- Chacha Chaudhary
9. Micro, Small and Medium Enterprises Minister- Kalraj Mishra
10. Rashtriya Khel Protsahan Puraskar - ONGC
11. New Deputy Governor of RBI-.S.S mundra
12 Drug for Ebola Virus- ZMapp
13. Shiva Trilogy Author- Amish Tripathi
14. Jan Dhan yojna Insurance cover- Rs 1 lakh
15.Eco tourism in railway announced in which state- Northeast states
16. Ragala venkat Rahul is associated with which sports- Weightlifter( won first medal for India at second Youth Olympic Games)
17. Which country celebrated 95th independence day- Afghanistan
18. Kruger National Park- South Africa
19. Where is jagannath rath yatra took place- Puri Orrisa
20. Sunidhi chauhan awarded dada phalke award for which song- Kamli from the film Dhoom 3
21. which commission abolished by pm modi- Planning Commission
22. IIEST full form- Indian Institutes of Engineering Science and Technology
23. where Nivea installed manufacturing Plant- Sanand, gujarat
24. Who has written the book Hard Choices- Hillary Rodham Clinton
25. RuPay card is launched by- National Payments Corporation of India (NPCI)
26. Name of transaction in which we doesn’t swipe card, but use details of card – Online transaction
27. Which agency set standards for individual customers and SME- BCSBI
Ga Questions Asked in IBPS RRB PO 13 September Evening Shift
1.Who is women and child development minister- menaka gandhi
2. Capital of uzbekistan- Tashkent
3. Currency of portugal- Euro
4. Total number of districts in India according to Census 2011: 640
5. Neeranchal to give impetus to watershed development in the country with an initial outlay of – Rs 2,142 crore
6. World Vitiligo Day: 25 June
7. Slumdog Millionaire director- Danny Boyle
8. Hydroelctric Power Plant in Kargil Distrcit : Chutak Hydroelectric Plant
9. According to railway minister in rail budget how many people travel daily by train- 23 million
10. INS kolkata is developed by- Defence Research Development Organisation (DRDO) and made by Mazagon Dock Limited
11. To which telecom company reliance is linked up- tata docomo and aircel
12. What is Over drat limit for jan dhan yojana- Rs 5000
13. Telangana official festival- Bathukamma
14.EMI full form- Equated Monthly Installment
15. Dronacharya award for wrestling given to- Mahabir Prasad
16.Neeranchal amount allocation in budget – Rs. 2142 Crore
17. one question about naval exercise recntly conducted by India and -China
18. Padma bhushan awardee jayant mahelakar related to which field- Science and technology( Ahe is a chemical engineer)
Ga Questions Asked in IBPS RRB PO 14 September Morning Shift
1. Currency of Germany- Euro
2. Irom Chanu Sharmila belongs to which state- Manipur
3. Ozone day was observed on- September 16th
4. Romancing with life is the autobiography of which actor- Dev Anand
5. financial inclusion scheme- jan dhan yojna
6. Ireland capital- dublin
7. Smart city fund- 7060 crore
8.8. khel protsahan puraskaar for nurturing and budding youth talent -Jindal Steel Works
9.state with 93.91% literacy rate? Kerela
10. BSBDA max investment in one year? - 1 lakh
11 Where is Mullaperiyar Dam situated ? Idukki District of Kerala,
12. Full form of FATF? Financial Action Task Force
12-member selection panel, headed by legendary cricketer Kapil Dev,did not recommend anyone one for which award?Rajiv Gandhi Khel Ratna.award
14.Information and Broadcasting union minister-Prakash Jawarker
15. Sushil kumar , bajarang related to sport- Wrestling
16.Committee on Obsolete Laws is headed by – Ramanujam
17.Recently, Ice Bucket Challenge is more often in news. Why is this being organized? – To donate to people suffering from Amyotrophic lateral sclerosis
18.Next New Coin May Be come by Rbi.. Rs 100
19. Who became the ambassador of turn back crime campaign of interpol -- Shah rukh khan
20.Name of the traditional tea offered to PM Narendra Modi by Japanese PM – Chanayu.....
21. What is the minimum pension - Rs. 1000
22. which state of Highest percentage of Literate- Kerala
23. .Railway total employee- 13.1 lakh
Ga Questions asked in IBPS RRB Clerk 14 September Evening Shift (1.Arvind Mayaram Committee is related to - FDI
2. US open 2014 Men's Runner up NISHIKORI Belongs to – JAPAN
3. GDP rate of India as per ADB – 5.5%
4. Agriculture rate as per Union Budget 2014-15 - 3.6%
5. Chairman of Indian Agricultural Research Institute- Dr. H S Gupta
6.Full form of ISRO - The Indian Space Research Organisation
7.Currency of China - Yuan
8. Sex ratio as per Census 2011 – 940: 1000
9. Sania Mirza is become brand Ambassdor of which state- Telengana
10. Dificiency of Vitamin D is called - osteomalacia
11. Neel Mukherjee is Famous for-Author
12. Power, Coal, New and Renewable Energy Minister– Piyush Goyal
13. WHich Film got the National flm Award in ‘’ Best Children's Film” CATEGOTY? -KAPHAL
14.Who is Chairman of 14th Finace Commission- Dr. Y.V.Reddy
15. Palakkad District is famous for? – 100% Banking
16. Which state is suffering from Landslide problems- TAMIL NADU
17.What is EBOLA? - Virus
18. Full form of CSAT-Civil Services Aptitude Test
19. Who won the first battle of Panipat – Babur(The First Battle of Panipat (1526), between the Mughal Babur and the Delhi Sultan Ibrahim Lodi, resulting in a Mughal victory.)
IBPS RRB Clerk 17 September Morning Shift Ga Questions
1. Bankok is the capital of which country- Thailand
2. Telangan's state brand ambassador - Sania Mirza
3. Age limit for juvenile to be carried in court for heinous crime- 16 years
4. India's rank in CWG 2014 -5th
5. Number one country in human development Index- Norway
6. A book Strictly Personal, Manmohan and Gursharan written by- Daman Singh
7. Who is civil Aviation Minister- Ashok Gajapathi Raju
8. Parupalli Kashyap is related to with which game - Badminton
9. K. Sanjita chanu belongs from which state - Manipur
10Tiger wood is related with which game- Golf
11. Novok Djokovic is related to which game - Tennis
12. According to Union budget 2014-15, Agricultural university will open in which state – Andhra Pradesh & Rajasthan
13.Gandhi Nagar is the capital of which state- Gujarat
14. What is current CRR Rate - 4%
15. HUCK term related to which game- Ultimate Frisbee
16. Jitu Rai is associated with - Shooting
17. Ban Ki -moon is the Secretary-General of – UN
IBPS RRB Clerk 17 September Evening Shift Ga Questions
1. Capital of Maldives- Malé
2. Roger Feredar is related to which game – Tennis
3.Which country tops medal tally in CWE 2014 games – England
4.Which country finished 2nd rank in medal tally in CWE 2014 games -Australia
5. Nalanda university is located in which state –Bihar
6. ISIS is active in which state – Iraq
7. Mars Orbiter Mission, informally called - Mangalyaan
8. Which state has large number of tigers- Karnataka
9. What is the age limit for voting right- 18 years
10. Who is the head of UNESCO - Irina Bokova
11. Rainfall density is highest in which state- Cherrapunji, Meghalaya
12. What is HAL Dhruv - It is a utility helicopter developed and manufactured by India’s Hindustan Aeronautics Ltd.
13. Governor of U.P – Ram Naik
14. Which organisation gives loan to landless farmer- NABARD
15. BRICS bank head office will be located in which country- Shangai, China
16.How much % SLR cut down in monetary policy - 0.5%
17.Minimum paid-up capital for payment banks – Rs 100 Crore
IBPS RRB Clerk 20 september Ga Questions Morning Shift
1. Home Minister of India- Rajnath Singh
2. Current CRR- 4%
3. Agartala is capital of- Tripura
4. Yogeshwar Datta related with which Sport - wrestler
5. who is H.R. Khan- Deputy governor of RBI
6. Bihar Chief Minister- Jitan Ram Manjhi
7. Oslo is the capital of- Norway
8. OP Kohli Governor of which State- gujrat
9. In Monetary policy which rate change- SLR
10. fullform of SEBI- Securities and Exchange Board of India
11. Christine Lagarde is related with- IMF
12. Founder of congress- Allan Octavian Hume
13. How many aims dicided to make in budget- 5
14. Who is the railway minister- D V Sadananda Gowda
15.K R kamath is the CMD of- PNB
16. Rory mcllroy related with which game- Golf
17. ulberg hill stattion situated in - Kashmir
18. Modi visited which country in august 1st week- Nepal
19.PSLV-23 is launched from- Shri Harikota
20. Semi high speed train route- Delhi-agra


********SAMPLE ESSAY FOR SBI Associates PO*******

E-commerce and e-banking are the buzz words in the global commercial activities today. E-banking or Electronic banking refers to conducting banking activities with the help of information technology (IT) and computers.

Computerization of banking functions in India was resisted by labour unions for fear of loss of job opportunities. Secondly, computerization needs IT savvy personnel which require intensive technical training. Thirdly, computerization needs heavy capital outlay for purchase of machines.To have effective computerization of banks a large num¬ber of bank branches situated in rural areas need to be connected. Telecommunication facil¬ity at rural areas is slow to reach. For the reasons mentioned above, computerization made a slow entry in Indian banks.

Based on the suggestions made by Rangarajan Committee, banks started initiating measures to computerize their various operations. Public Sector Banks (PSU banks) started identifying important / large branches for full branch computerization.

Banks which had fully computerized some of their branches started inter-connecting their computerized branches using leased telephoned lines or through satellite system. This enabled banks to have a better centralized control over branches besides ensuring comprehensive service to their customers.

Banks started providing for sizeable funds for computerization of their operations. It was necessitated due to financial sector reforms initiated in the early 90s through Narasimham Committee recommendations.
Further globalisation and liberalisation measures introduced during 1990s allowed setting up of new private sector banks and free entry of foreign banks into India. This brought in a different and new operating environment to banks.

The deregulation of interest rate regime, phased reduction in Cash Reserve Ratio / Statutory Liquidity Ratio, introduction of universal banking system, permission to start new banks in the private sector, etc., by Reserve Bank of India encouraged competition among banks.

These measures had pushed the Indian banks to go for state-of-art IT and services and products like " anywhere banking ", " tele- banking" etc. Simultaneously the importance of effective Management Information System (MIS) for control of operations, maintenance of data base, good customer relationship was felt.
Accordingly banks presently cover performance monitoring, decision making, control of branches, administrative matters, submission of statutory returns to RBI, inter branch transactions, reconciliation of outstanding entries in various accounts, funds transfer, credit related information, investment management, treasury operations through money market, fore market, securities market, employees personal data and scores of other operations with the use of IT and computers.

Yet the level of computerization may differ from banks to banks. Today, we may say that 80 per cent of banking operations in cities are computerized. The process is fast picking up even at rural branch level.Today, the number of computers used with banks in India had crossed 1, 00,000. The total number of ATMs is more than 2000.Thus we can say that computerisation of banks have been quite helpful for the customers and the bank too. But we need to keep on improving and implementing latest technologies for the continuous betterment of our banking sector.

Monday, 13 October 2014

UPSC Pre 2014 result declared.

UPSC Pre 2014 result declared.


‘An average aspirant can achieve his go

‘An average aspirant can achieve his goal’

Khursheed Ali Qadri
Rank 95

I have done M.Sc Botany from Jamia Hamdard. I also qualified NET JRF and was selected as 10+2 Lecturer. Later on I was selected in KAS. I also qualified UPSC in 2010, got group A central service but didn’t join. Currently I am working as Assistant Director in CAPD.

I believe the civil services exam conducted by UPSC at national level requires at the vary inception certain enigmas to be demystified. It is never anything unattainable for an average aspirant. The fundamentally inevitable requirement that pique the curiosity of the aspirants is that the aspiration must come from inside. I always believe that we should struggle for excellence rather than struggle for existence.

Well designed strategy and effective preparation plays a key role for cracking civil service exams. Since I had a limited time, being already in the government services, my strategy and design of preparation was simple and more effective. Before an aspirant starts his preparation, he must divide and delineate in his mind a very clear and unambiguous strategy. The aspirant must be planned in his efforts and must continuously update himself with current affairs. Kashmiri people are very talented and if their intellect and talent is channeled in a right way, they will bring a sea change in the overall development of the society.
There is a desperate need to develop a conducive environment so that the efforts put in are productive. The comprehensive counseling programs, initiatives of colleges and university in this direction are required for motivating the aspirants.
My advice to the aspirants is “efforts may fail but never fail to make efforts””. An average aspirant can achieve his goal and I am a symbol of it.

I feel that the representation of Kashmiri youth in civil services reflects a healthy development and instills a sense of hope. In recent years this healthy trend is molding the thought process of youth and young people want to be the part of development and join civil services

Saturday, 4 October 2014



My name is James. I and my wife Sandra got married 14yrs ago and since then we had no child. As Christians, we still believed God for a baby at the due time. Finally, my wife got pregnant and everything was alright. On the day of delivery, I was driving her to the hospital and suddenly our car collided with an on-coming lorry and we had a fatal accident. My sister narrated it thus:

''We had a call from the police through the identification found on you that you and Sandra were in the hospital. When we came to the hospital, the Doctor asked us to sign some documents so that an operation could be performed on Sandra to bring the baby out. The baby came out alive but Sandra was declared dead while I was in comma with my two legs broken. In the night, a man clothed in white appeared to me and touched my head. From that moment, I started sneezing. After 5mins, I sat up and became a little strong. Then I asked, 'where is my wife'? Then, somebody the next door started sneezing too. That was Sandra. 'She's alive, she's alive', the nurses shouted. Sandra also narrated that the same man clothed in white who touched my head also touched her head. Few days later we were discharged from the hospital. My broken legs have also been restored and I can walk perfectly too.

Today, I, Sandra and our daughter named Miracle are all alive. What was supposed to be our happiest day turned out to be a sorrowful day but we thank God for today. Ladies and gentlemen, God exists and still performs miracles, even the miracle of bringing the dead to live.

Now I decree that:
1. Nothing will cut your joy short on the happiest day of your life in Jesus name.
2. I command every dead thing in your life to come back alive in Jesus name.
3. This year, may you receive a miracle that will attract the attention of the world in Jesus mighty name. Type AMEN in the comment box to claim these prayers.

Share this testimony.

THE WALLET (True Story)

THE WALLET (True Story)

As I walked home one freezing day, I stumbled on a wallet someone had lost in the street.

I picked it up and looked inside to find some identification so I could call the owner.

But the wallet contained only three dollars and a crumpled letter that looked as if it had been in there for years.

The envelope was worn and the only thing that was legible on it was the return address. I started to open the letter, hoping to find some clue. Then I saw the dateline--1924. The letter had been written almost sixty years ago.

It was written in a beautiful feminine handwriting on powder blue stationery with a little flower in the left-hand corner.

It was a "Dear John" letter that told the recipient, whose name appeared to be Michael, that the writer could not see him anymore because her mother forbade it. Even so, she wrote that she would always love him.

It was signed, - Hannah.

It was a beautiful letter, but there was no way except for the name Michael, that the owner could be identified. Maybe if I called information, the operator could find a phone listing for the address on the envelope.

"Operator," I began, "this is an unusual request. I'm trying to find the owner of a wallet that I found. Is there anyway you can tell me if there is a phone number for an address that was on an envelope in the wallet?"

She suggested I speak with her supervisor, who hesitated for a moment then said, "Well, there is a phone listing at that address, but I can't give you the number." She said, as a courtesy, she would call that number, explain my story and would ask them if they wanted her to connect me.

I waited a few minutes and then she was back on the line. "I have a party who will speak with you."

I asked the woman on the other end of the line if she knew anyone by the name of Hannah. She gasped, "Oh! We bought this house from a family who had a daughter named Hannah. But that was 30 years ago!"

"Would you know where that family could be located now?" I asked.

"I remember that Hannah had to place her mother in a nursing home some years ago," the woman said. "Maybe if you got in touch with them they might be able to track down the daughter."

She gave me the name of the nursing home and I called the number. They told me the old lady had passed away some years ago but they did have a phone number for where they thought the daughter might be living.

I thanked them and phoned. The woman who answered explained that Hannah herself was now living in a nursing home.

This whole thing was stupid, I thought to myself. Why was I making such a big deal over finding the owner of a wallet that had only three dollars and a letter that was almost 60 years old?

Nevertheless, I called the nursing home in which Hannah was supposed to be living and the man who answered the phone told me, "Yes, Hannah is staying with us."

Even though it was already 10 p.m., I asked if I could come by to see her. "Well," he said hesitatingly, "if you want to take a chance, she might be in the day room watching television."

I thanked him and drove over to the nursing home. The night nurse and a guard greeted me at the door. We went up to the third floor of the large building. In the day room, the nurse introduced me to Hannah.

She was a sweet, silver-haired oldtimer with a warm smile and a twinkle in her eye. I told her about finding the wallet and showed her the letter. The second she saw the powder blue envelope with that little flower on the left, she took a deep breath and said, "Young man, this letter was the last contact I ever had with Michael."

She looked away for a moment deep in thought and then said softly, "I loved him very much. But I was only 16 at the time and my mother felt I was too young. Oh, he was so handsome. He looked like Sean Connery, the actor."

"Yes," she continued. "Michael Goldstein was a wonderful person. If you should find him, tell him I think of him often. And," she hesitated for a moment, almost biting her lip, "tell him I still love him. You know," she said smiling as tears began to well up in her eyes, "I never did marry. I guess no one ever matched up to Michael..."

I thanked Hannah and said goodbye. I took the elevator to the first floor and as I stood by the door, the guard there asked, "Was the old lady able to help you?"

I told him she had given me a lead. "At least I have a last name. But I think I'll let it go for a while. I spent almost the whole day trying to find the owner of this wallet."

I had taken out the wallet, which was a simple brown leather case with red lacing on the side. When the guard saw it, he said, "Hey, wait a minute! That's Mr. Goldstein's wallet. I'd know it anywhere with that bright red lacing. He's always losing that wallet. I must have found it in the halls at least three times."

"Who's Mr. Goldstein?" I asked as my hand began to shake.

"He's one of the oldtimers on the 8th floor. That's Mike Goldstein's wallet for sure. He must have lost it on one of his walks." I thanked the guard and quickly ran back to the nurse's office. I told her what the guard had said. We went back to the elevator and got on. I prayed that Mr. Goldstein would be up.

On the eighth floor, the floor nurse said, "I think he's still in the day room. He likes to read at night. He's a darling old man."

We went to the only room that had any lights on and there was a man reading a book. The nurse went over to him and asked if he had lost his wallet. Mr. Goldstein looked up with surprise, put his hand in his back pocket and said, "Oh, it is missing!"

"This kind gentleman found a wallet and we wondered if it could be yours?"

I handed Mr. Goldstein the wallet and the second he saw it, he smiled with relief and said, "Yes, that's it! It must have dropped out of my pocket this afternoon. I want to give you a reward."

"No, thank you," I said. "But I have to tell you something. I read the letter in the hope of finding out who owned the wallet."

The smile on his face suddenly disappeared. "You read that letter?"

"Not only did I read it, I think I know where Hannah is."

He suddenly grew pale. "Hannah? You know where she is? How is she? Is she still as pretty as she was? Please, please tell me," he begged.

"She's fine...just as pretty as when you knew her." I said softly.

The old man smiled with anticipation and asked, "Could you tell me where she is? I want to call her tomorrow." He grabbed my hand and said, "You know something, Mister?

I was so in love with that girl that when that letter came, my life literally ended. I never married. I guess I've always loved her."

"Mr. Goldstein," I said, "Come with me."

We took the elevator down to the third floor. The hallways were darkened and only one or two little night-lights lit our way to the day room where Hannah was sitting alone watching the television. The nurse walked over to her.

"Hannah," she said softly, pointing to Michael, who was waiting with me in the doorway. "Do you know this man?"

She adjusted her glasses, looked for a moment, but didn't say a word. Michael said softly, almost in a whisper, "Hannah, it's Michael. Do you remember me?"

She gasped, "Michael! I don't believe it! Michael! It's you! My Michael!" He walked slowly towards her and they embraced. The nurse and I left with tears streaming down our faces.

"See," I said. "See how the Good Lord works! If it's meant to be, it will be."

About three weeks later I got a call at my office from the nursing home. "Can you break away on Sunday to attend a wedding? Michael and Hannah are going to tie the knot!"

It was a beautiful wedding with all the people at the nursing home dressed up to join in the celebration. Hannah wore a light beige dress and looked beautiful. Michael wore a dark blue suit and stood tall. They made me their best man.

The hospital gave them their own room and if you ever wanted to see a 76-year-old bride and a 79-year-old groom acting like two teenagers, you had to see this couple.

A perfect ending for a love affair that had lasted nearly 60 years.