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I was hired for a contract at the Municipal Giro. The Giro required us to have accounts there to facilitate payment. No problem, so I opened a new Giro account. About four weeks later I got my first statement.Somehow there was an amount of 43,000 on it, over and above the amount I was to be paid. For 30 seconds I allowed myself to fantasise. I then reported it to my immediate superior, who directed me to the chief cashier. He said thanks, called a colleague, and the error was corrected. Turned out it was an IT error. I was there to program and build in the country’s first ATMs, so I was also part of the IT team. Together we traced and fixed the fault.Fast forward a half year. I had been asked to join the Giro in full employment, rather than on a contract basis. I did so, gladly. The ATM project had developed quickly, and now I was testing the software and tweaking it to make it more secure from abuse (again, so tempting to build in a private ‘back door’). Actually, I did figure out ways to defraud the system, then built in safeguards to prevent it.Time to live-test the machines. This had to happen outside banking hours, for obvious reasons; however, I couldn’t thoroughly test all the machine systems unless it had money in it, so I asked the chief cashier if I could have a few notes of each value, to load the feeder.He told me to come back just before closing time. He would give me some cash, which I would lock in my desk while I got a bite to eat. Once the building was secure and empty except for security (two guys in the cellar), I could retrieve the cash, put it in the machine, run several tests, then return the money to the cashier’s location before going home for the night.So the first evening of testing approached. I went to the chief cashier for some notes. He handed me two large wads totalling about 35,000! He also gave me the key to the main ‘ready-cash’ safe, explaining he had locked the safe with the key, but not with the combination, so when I replaced the money in the safe, I was to lock it with the key, then give the combination lock a spin. Then he put on his coat and went home!After an evening of testing and making notes on tweaks to program the next day, I went and opened the safe, to return the money. There was a huge pile of money in that safe!! I mean MASSIVE! I replaced the pile I had been lent and stood back a little, admiring the vast fortune in front of me for twenty seconds or so. I closed the safe, turned the key, returned the key to the top drawer of the cashier’s desk, then… spun the lock. Then I allowed myself to breathe, lol!The trust I was given — and never abused — was worth a lot more to my life than what I could have done with the maybe half-a-million that was in the safe. Oh, and on leaving the building to go home, the security guards (who became friends), never wanted to check me out, nor look in my briefcase.OK, so I’ve just given myself a pat on the back, but the point is that being honest and trustworthy — and being trusted — is so much more valuable than any money that can be gained illegitimately.P.S. Wow! Thanks for all the upvotes. I guess that supports the idea that honesty is indeed the best policy — it’s certainly the most rewarding.

1) Things to keep in mind while filling your DAF1. DAF is not like your resume, the more achievements the more you will score.Here DAF is only a way to know about you so that they can ask questions.2. Please do not try to fake or write for the sake of writing. If there is no achievement, then don’t create one, no hobby then don’t write fake one .3. Be specific. For you music might be a hobby (listening in free time), but they will expect you to know about music in detail. . You might like cooking but they will ask you anything related to cooking ( about preservatives, masalas, cooking recepies, types of cuisines etc).So better to avoid writing such open ended things. Write specific things which you know you can prepare.a4. Writing something and not able to answer basic questions related to those things sends a very wrong impression. When you are filling DAF ensure you write less but meaningful things you are confident about.2) Service Preference ListImportant : These are my personal views which can be biased. Detail about each service, growth opportunities can be found here http://persmin.gov.in/AIS1/Welco...Brief about Services1. IASGood work, Good Infrastructure and highly respectable. Issue is interference and work pressure. If you want a very peaceful life and tension free life then think about it.2. IFSWork as diplomats. Good services, especially for people who like to travel, pursue intellectual hobbies. You will have alternate terms in foreign country and India. Yes do give a consideration from family perspective and secondly from perspective that if you want paraphernalia you will not get it.3. IPSMostly work is in law and order domain. Lot of power, infra and Paraphernalia. However IPS is a very tough job and not everyone is made for it. It needs lot of patience, sacrifice in personal life and has maximum interference. So choose accordingly.4. IRS IT and CustomsMy personal advice would be to choose IT over customs ( stable cadre, timely promotions , decent infra and good places of postings) However work can appear to be boring due to a desk job restricted to taxation. Customs on the other hand is having more variety.5. IRTS vs IAASIRTS is IAS of railways. Lot of manpower under you. Good infra and facilities. However issue is very hectic life especially if you are in operations side as you have to manage timely running of trains. So don't opt it if you want a peaceful and tension free life.IAAS on the other hand is a totally different service. It audits almost everything in government. Remember it is not just auditing of accounts here but a larger purview. Also stable posting, normal working hours, postings in state capital and Delhi plus lot of foreign visits and yes timely promotions. Plus everyone fears an auditor. However you won't enjoy executive powers and perks like IRTS. So decide what kind of life you want.6. Accounting ServicesIRASBest among accounting services. Total financial power in railways. Good infrastructure, work life balance and good postings. Plus lot of opportunities for deputation due to finance.IDASThis is also a good service. Lot of financial power in defence sector. Good infrastructure, work life balance and good postings. Plus lot of opportunities for deputation due to financeICASThis is more of an accounting service. It has the responsibility to consolidate accounts of all the Dept except few. Posting in Delhi. However housing, car can be an issue.IPTAFSThis service has lost lot of ground due to BSNL and MTNL separating from DoT. So major work is collecting spectrum allocation and licence fee. Infrastructure issues are also there.7. Railway servicesRailway services have good infrastructure and facilities. Housing, car and manpower is not an issue.IRTS - IRAS - IRPSIRPSNot much work, dealing with unions and personnel management .RPFI would suggest to fill it among the bottom 5 services. Its like paramilitary force (Railway Protection Force)8. IPoSGood service. Administration of all post offices. Good infra and facilities. Plus post office's are getting modernized so new work is coming up.9. IDeSThis is a service where you work as CEO of cantonments/defence estates. There is huge infrastructure at your disposal, very good facilities. However growth is stagnant, work is not dynamic. Also you will not always be working in cantonments, HQ postings and other postings are there as well.10. ICLS and ITSBoth are new age services with postings in Capital cities and Delhi. ICLS are regulators of corporate sector. They implement company law and are involved in Registration, M&A, and Liquidation etc. Service seems to have a promising future but as of now it is not much preferred. Reasons include Infrastructure problem, desk work and stagnation as the top level.IT on the other hand deals with trade policy implementation. Officers working closely with traders and exporters. Also working in SEZ, policy work and some International exposure. So work is interesting and promising.Issue with both the services is similar. These are comparatively new service & do not have a huge infrastructure compared to postal, defence and railways. So Car, housing, other facilities might be a little problem. Also at senior level stagnation issue.11. IoFSNot much of an idea but their scope is more or less related to management of ordinance factories. Infra won’t be much of an issue. But usually filled among bottom few services12. Danics & DanipsThese are like State civil services(UT civil service) with a difference that promotions are better compared to most of the states. Many people prefer them at the bottom due to Group B. However in terms of power, work, infra these are better than many group A central services.13. Indian Information ServiceThis is like a PR Job. Most IIS officers work in various media units which are under Ministry of Information and Broadcasting such as DD News, All India Radio, Press Information Bureau etc. Even posted with various Ministries as spokespersons to handle the Ministry's information and communication needs and help in policy formulation. So work wise this is a nice service, plus majorly you stay in Delhi. Infrastructure, car housing is again an issue.14. AFHQ + Pondicherry civil serviceBottom services to be filled.Now how to fill service preference listSee this is a totally personal choice depending on what you want from your life. What matters to you : balanced life ? Quality work ? Power & Infrastructure? Delhi Posting? Decide accordingly. Here are some hints based on common choice1. Most preferred services (IAS – IFS –IPS – IRS IT –IRS Customs – IRTS /IAAS) .2. Less preffered services ( AFHQ , Pondicherry civil services , RPF, IoFS, IPTAFS ,ICLS )3. Middle Category ( IRAS, IDAS, ICAS, IPOS,IDES,ITS,IIS,IRPS)As per meIRTS >IRAS>IRPSIRAS>IDAS>ICASIPOS>IDESIDAS>IDESICAS, IIS, ITS (one is accounts, other is media/PR and one relates to Trade. Usual preference is ICAS – IIS-ITS)4. Adjust DANICS & DANIPS as per your convenience. Some people prefer them after Railway, Defence and Postal while majority put it at the end. Decide as per your own choice.Delhi Posting : ICAS , IISServices where Infrastructure won’t be an issue (Apart from Most preferred services ): IRAS,IRPS,IPOS,IDES,IDAS . I think infra will not be an issue even in IOFS and RPF.3) CADRE PreferenceP.S : Totally personal views. For details you can refer here http://www.iascoachingindelhi.or...UP: great work opportunities and infrastructure. But if you don't want an exciting and challenging life, it should not be high on your list.Bihar: Mostly like UP but more backward.MP, Rajasthan, Haryana: Good cadres. Balanced ones. Usually preferred by people.Punjab: Mixed reviews about the cadre.Jharkhand and Chattisgarh, Odisha: People carry lot of misconceptions. These are nice cadres to work plus good infra. Naxal problem is prevalent only in certain areas. Other issue is these are little backward areas. But I think these are highly underrated cadres .Uttarakhand and Himachal : Decent cadres to work but terrain issues. Not everyone likes hill posting so keep that in mind.Northeast cadres : Mostly people fill them lower in their preference due to factors like distance, culture, hills, personal life etc. Assam-Megahalya is the most preferred choice among north east cadres.J&K : considered a tough posting. Hills + security concerns etc.West Bengal and Kerala : Work wise normal but their political setup is different so many people don't prefer these cadres. So decide accordingly .Andra and Telangana : Good cadres to work. North Indians prefer them most among southern states.Karnataka: fineTamil Nadu : state services is very strong here so at times they hold important posts in the district .Maharashtra : Good cadreGujarat : Mixed reviews.Agmut: mixed reviews. Good thing is you get to stay for long in Delhi.Making choicesI can’t tell you what to opt. But I can share what people preferably fill at lower preference. Again as per my knowledge.- North eastern States- J&K- Kerala and WB ( some people prefer to fill them low)Also sharing some favoured cadres due to different reasons:- Rajasthan, Haryana, MP (Delhi proximity and balanced cadres )- UP & Bihar (Strong power centres for IAS)- AGMUT (Delhi posting, but not for those who like UP , Bihar work culture )- Sorry but I am not able to comment on south Indian cadres due to lack of in depth knowledgeCadres considered bad but are actually not- Chhattisgarh and JharkhandThat is all from my side. Hopefully this post can help you to some extent. All the best

I successfully sued my landlord in small claims several years ago for failing to return my security deposit. I won and my landlord had to pay me the deposit plus a few extra hundred dollars as a bad faith penalty.To prepare for my case, I watched hours upon hours of "The People's Court" -- America's beloved court show. I kid you not. I think the biggest blunder the plaintiffs made on the show was that they failed to show how the defendant violated a contract or a broke a law. Likewise, defendants usually countersued for no legitimate legal reason. Of course, the show could purposefully select people who sue solely out of anger and an insatiable thirst for revenge. It's TV after all. The more irrational people are, the better.My advice: do your homework on the relevant laws. I did extensive online research on landlord-tenant laws in California. I wrote a brief summary stating the exact civil codes that my landlord violated and even their respective numbers. I also made notes of all of calls and letters sent to Mrs. Loser Landlord. Every time I called her, she said the check was in the mail. I even sent a self-addressed stamped envelope and followed up with her to make sure she received it. I showed up to court armed with evidence and the law on my side.Mrs. Landlord brought her two adult daughters who contradicted each other's stories about why they didn't return my deposit. Mrs. Landlord said my apartment needed extra cleaning because of my cat (RIP Floydy) while one of her daughters said they didn't know where to send it. Mrs. Landlord claims she knew landlord-tenant laws but she clearly didn't follow the rules. The law states landlords must send tenants an itemized list of how the deposit was spent within 21 days of their departure or else they forfeit their right to keep any of the deposit. If the landlord doesn’t know your new address, s/he can send it to the old address and the post office will forward it to your new address.The case took no more than 10 minutes for the judge to determine that the landlord owed me the deposit.My Tip for Going to Small Claims CourtWhile waiting for my case to be called in court, I watched the judge dismiss one case after another because of the second biggest blunder: failing to fill out forms correctly or not following legal codes. For example, a couple sued a store. They listed the manager as the plaintiff instead of the business. The manager may be the one who goes to court to represent the store but he shouldn't have been the named plaintiff. They had to resubmit their application.

HiiHere is a DAF for mains.Filling DAF (Detailed Application Form) for UPSC Civil Service Mains exam is a task that should be done with great care. ... According to UPSC, any serious mistake in DAF may result in rejection of your candidature.Filling DAF (Detailed Application Form) for UPSC Civil Service Mains exam is a task that should be done with great care. Around 15000 candidates who qualify in Civil Services Prelims need to apply separately for Civil Services Mains. According to UPSC, any serious mistake in DAF may result in rejection of your candidature. Clear IAS - UPSC Civil Services Free Online Coaching Website in this post explains the basic DOs and DONT’s with DAF.What is DAFDAF (Detailed Application Form) for UPSC MainsDAF corresponds to the Detailed Application Form for UPSC Civil Services Mains exam. The online form is applicable only for those who qualified CS prelims. Fees to be paid by General and OBC candidates is Rs.200/-. There is total fee exemption for female candidates and SC/ST candidates.While filling the DAF onlinePlease visit the official website of UPSC (Welcome to UPSC | UPSC) to get the link for DAF. DAF has around 10 parts and has to be filled online. Before 2016 a print out of the same was to be taken and mailed to UPSC through post/courier along with necessary documents. But from 2016 onwards, there is only online submission. Other documents should be scanned and uploaded.Take time to think over your service priority as well as cadre preference for IAS and IPS as you will not get a chance to change the same in future. A summary sheet which contains the highlights of your profile will include your hobbies and interests. So be fully aware with yourself and what you have written in DAF, as many questions in UPSC interview will be based on what you have written in the Detailed Application Form (DAF) and Summary Sheet.Candidates are required to submit Detailed Application Form through Online Mode only and also to upload the scanned copies of the requisite documents along with the Detailed Application Form.There is no need of sending hard copy of Application /Documents to the Commission.Hope the answer was satisfying, for any further information you can contact my team at malukaIAS or +91 9910133084Regards TeamMlukaiasAnkit

Hi, To give a little more context, if you are worried about completing a direct deposit form, which should be for receiving remuneration of your wages, then request a your employment contract and tell them you will complete the direct deposit form after the employment has been received. Always be open and honest with a potential em0ployer and set parameters for your employment relationship from the get go. you would like to follow procedures. Every Employer will respect you more for that. I do not think it is fishy but a little odd

NOOOOOOO. You are talking to a military romance scammer. I received an email from the US Army that directly answers your question that is pasted below please keep reading.I believe you are the victim of a military Romance Scam whereas the person you are talking to is a foreign national posing as an American Soldier claiming to be stationed overseas on a peacekeeping mission. That's the key to the scam they always claim to be on a peacekeeping mission.Part of their scam is saying that they have no access to their money that their mission is highly dangerous.If your boyfriend girlfriend/future husband/wife is asking you to do the following or has exhibited this behavior, it is a most likely a scam:Moves to private messaging site immediately after meeting you on Facebook or SnapChat or Instagram or some dating or social media site. Often times they delete the site you met them on right after they asked you to move to a more private messaging siteProfesses love to you very quickly & seems to quote poems and song lyrics along with using their own sort of broken language, as they profess their love and devotion quickly. They also showed concern for your health and love for your family.Promises marriage as soon as he/she gets to state for leave that they asked you to pay for.They Requests money (wire transfers) and Amazon, iTune ,Verizon, etc gift cards, for medicine, religious practices, and leaves to come home, internet access, complete job assignments, help sick friend, get him out of trouble, or anything that sounds fishy.The military does provide all the soldier needs including food medical Care and transportation for leave. Trust me, I lived it, you are probably being scammed. I am just trying to show you examples that you are most likely being connned.Below is an email response I received after I sent an inquiry to the US government when I discovered I was scammed. I received this wonderful response back with lots of useful links on how to find and report your scammer. And how to learn more about Romance Scams.Right now you can also copy the picture he gave you and do a google image search and you will hopefully see the pictures of the real person he is impersonating. this doesn't always work and take some digging. if you find the real person you can direct message them and alert them that their image is being used for scamming.Good Luck to you and I'm sorry this may be happening to you. please continue reading the government response I received below it's very informative.   You have contacted an email that is monitored by the U.S. Army Criminal Investigation Command. Unfortunately, this is a common concern. We assure you there is never any reason to send money to anyone claiming to be a Soldier online. If you have only spoken with this person online, it is likely they are not a U.S. Soldier at all. If this is a suspected imposter social media profile, we urge you to report it to that platform as soon as possible. Please continue reading for more resources and answers to other frequently asked questions:  How to report an imposter Facebook profile: Caution-https://www.facebook.com/help/16... < Caution-https://www.facebook.com/help/16... >   Answers to frequently asked questions:  - Soldiers and their loved ones are not charged money so that the Soldier can go on leave.  - Soldiers are not charged money for secure communications or leave.  - Soldiers do not need permission to get married.  - Soldiers emails are in this format: john.doe.mil@mail.mil < Caution-mailto: john.doe.mil@mail.mil > anything ending in .us or .com is not an official email account.  - Soldiers have medical insurance, which pays for their medical costs when treated at civilian health care facilities worldwide – family and friends do not need to pay their medical expenses.  - Military aircraft are not used to transport Privately Owned Vehicles.  - Army financial offices are not used to help Soldiers buy or sell items of any kind.  - Soldiers deployed to Combat Zones do not need to solicit money from the public to feed or house themselves or their troops.  - Deployed Soldiers do not find large unclaimed sums of money and need your help to get that money out of the country.  Anyone who tells you one of the above-listed conditions/circumstances is true is likely posing as a Soldier and trying to steal money from you.  We would urge you to immediately cease all contact with this individual.  For more information on avoiding online scams and to report this crime, please see the following sites and articles:   This article may help clarify some of the tricks social media scammers try to use to take advantage of people: Caution-https://www.army.mil/article/61432/< Caution-https://www.army.mil/article/61432/>   CID advises vigilance against 'romance scams,' scammers impersonating Soldiers  Caution-https://www.army.mil/article/180749 < Caution-https://www.army.mil/article/180749 >   FBI Internet Crime Complaint Center: Caution-http://www.ic3.gov/default.aspx< Caution-http://www.ic3.gov/default.aspx>   U.S. Army investigators warn public against romance scams: Caution-https://www.army.mil/article/130...< Caution-https://www.army.mil/article/130...>   DOD warns troops, families to be cybercrime smart -Caution-http://www.army.mil/article/1450...< Caution-http://www.army.mil/article/1450...>   Use caution with social networking  Caution-https://www.army.mil/article/146...< Caution-https://www.army.mil/article/146...>    Please see our frequently asked questions section under scams and legal issues. Caution-http://www.army.mil/faq/ < Caution-http://www.army.mil/faq/ > or visit Caution-http://www.cid.army.mil/ < Caution-http://www.cid.army.mil/ >.  The challenge with most scams is determining if an individual is a legitimate member of the US Army. Based on the Privacy Act of 1974, we cannot provide this information. If concerned about a scam you may contact the Better Business Bureau (if it involves a solicitation for money), or local law enforcement. If you're involved in a Facebook or dating site scam, you are free to contact us direct; (571) 305-4056.   If you have a social security number, you can find information about Soldiers online at Caution-https://www.dmdc.osd.mil/appj/sc... < Caution-https://www.dmdc.osd.mil/appj/sc... > . While this is a free search, it does not help you locate a retiree, but it can tell you if the Soldier is active duty or not.  If more information is needed such as current duty station or location, you can contact the Commander Soldier's Records Data Center (SRDC) by phone or mail and they will help you locate individuals on active duty only, not retirees. There is a fee of $3.50 for businesses to use this service. The check or money order must be made out to the U.S. Treasury. It is not refundable. The address is:  Commander Soldier's Records Data Center (SRDC) 8899 East 56th Street Indianapolis, IN 46249-5301 Phone: 1-866-771-6357  In addition, it is not possible to remove social networking site profiles without legitimate proof of identity theft or a scam. If you suspect fraud on this site, take a screenshot of any advances for money or impersonations and report the account on the social networking platform immediately.  Please submit all information you have on this incident to Caution-www.ic3.gov < Caution-http://www.ic3.gov > (FBI website, Internet Criminal Complaint Center), immediately stop contact with the scammer (you are potentially providing them more information which can be used to scam you), and learn how to protect yourself against these scams at Caution-http://www.ftc.gov < Caution-http://www.ftc.gov > (Federal Trade Commission's website)

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