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Is the fact that 31,000 scientists signed a document stating that there is nothing to global warming test the waters with respect to the claim that 97% of all scientists believe that there is something to global warming?No, because the “fact” is not true. The claim that 31,000 scientists do not believe in man-made global warming is just another of many deceptions by the fossil fuel companies. Of the 31,000 “scientists” who signed the document, very few were actual scientists, and almost none were climate scientists. Bear in mind that the people who circulated the document were creating a propaganda tool and wanted as many signatures as possible on it, so they made it as easy as possible to sign it. The only requirement was that you have a BS (Bachelor of Science) degree. You can have a BS in anything. It can be in dentistry, medicine, any branch of engineering, economics, business (Bachelors of Business Management Online Degree), political science, even religion (Bachelor of Science in Religion Online Degree Program). It can be a regular BS degree, an online degree, or an even honorary degree. In fact, you do not really have to have a BS at all. The form merely asks you to check a prepared box that says you have one, with no verification. There is also no requirement that you are actually working in the field. In short, the 31,000 “scientists” are almost entirely ordinary people with no particular qualifications in climate science who, often motivated by political ideology, do not believe that humans are causing global warming. As an added detail, there is no attempt to prevent a person from signing it multiple times under different names. A coal company lobbyist could get on and sign it multiple times. Considering the low (almost nonexistent) standards for signing this document and the fact that this petition has been aggressively circulated since 1998, it is a wonder that it has collected only 31,000 signatures. Under these circumstances, I could probably get 31,000 “scientists” to sign a document saying the Earth is flat (a recent survey showed that about 60,000 Americans firmly believe the Earth is flat: Only Two-Thirds Of American Millennials Believe The Earth Is Round).
What are the first steps to invest in the Indian stock market? How do you open a Demat account and start buying shares?I am going to ignore your question and share 5 proven steps to get started investing.Starting your first investment is a lot like climbing a mountain.You’re starting from ground zero with a lot of enthusiasm, but when you realize you have to climb for days to get anywhere, that enthusiasm often turns into the feeling of being overwhelmed.But when it comes to your investing career, the weather conditions, metaphorically speaking, are terrible as well.Hold on! You have made a smart move to invest in Equity, popularly called as shares. Indian GDP is growing at 6%-7% per annum and as thumb-rule equities deliver return which is equal to GDP growth + Inflation. Equities are best investment vehicle used as a hedge against inflation.Hey! getting started with your first investments is not terribly difficult - Here's what I would do to start my first investment and build up to $1000, $2000, $10,000………permonth in "passive" income.SEBI regulated a tight charge over documents submission. So this makes it a most crucial step. Your names, dates, and signature should be identical on all of your submitted docs.Below are the exact 4 basic documents that one need to get registered as a stock trader with SEBI.PAN cardIdentity proof (Aadhar card, driving license etc)Bank statement (last 6 month)Cancelled chequeThese are the basic documents. However, in some rare case, additional documents are needed. Consult the broker for the same.In addition, you would also have to fill up the registration form to which the above documents would be attached (highlighted in next step).But where do you submit the damn documents?This is what I’m going to show you in step 2.Not only brokers help you to get your documents verified with SEBI, they also facilitate live trading in stock market. You can buy and sell stocks with just one call or one click (on trading app, platforms)What you’ve to do is contact a broker and deliver them registration form with above-attached documents.But still one should choose a broker with great attention. Some brokers charge so high that most of your profit is swallowed by their charges. An uncle of mine generated a brokerage of 1.5 lakh in 2 months on F&O trading. I was baffled after seeing his charge-sheet.When was the last time you read an investing book or an economic magazine article? Do your daily reading habits center around hot tips tweets, Facebook updates, or the directions on moneycontrol website? If you’re one of the countless people who doesn't make a habit of reading books and articles regularly, you might be missing out: reading has a signNow number of benefits on your investments and your market behavior.Step away from your computer stock screen for a little while, crack open a book, and replenish your soul for a little while.Below are 3 books which are highly recommended to beginners.Stocks to Riches: Insights on Investor Behavior (by Parag Parikh)My personal opinion: At my earlier days, I started reading highly suggested books but didn’t benefit more than this book. In my opinion, this book is a key to understanding other books. Just an extremely insightful book of great practical value that every investor, both beginners and the experienced, should read. No more words.Rich Dad Poor Dad (by Robert T. Kiyosaki)My personal opinion: This is my all time favorite. This book has also qualified for the Amazon Best Reads List – June’16. This book what made me understand the crux of value investing and spread a great message of how money makes money.The Little Book That Still Beats the Market (by Joel Greenblatt)Side Note: Still I’m finding this book to read. Also tried to buy this book on Amazon but not in stock. Contact me personally if you can endorse this book to me. I read summary and reviews of others on this book and find it interesting. He made the value investing simple by just following ROCE and ROE matrix.Edit: I finally got the book.However, when you’re done with above books. Try your luck on some more detailed books here - 11 books that will change the way you look at stock marketNow you’re all done. You got registered with a broker and learned about the stock market. The next step will show you how to stand out from everyone out there...What I like to do next is become a pro trader by tracking my performance, nearly daily.Well quoted by Anurag Bhatia in another answer of the same question.“Maintain a trading journal. Practice paper trading. Yes, you have to practice trading every day to be above average at it. Just like the world's best athletes practice every day”However, you don’t have to make a trading journal, if you’re registered with Zerodha. As they have an inbuilt Q platform to track daily, weekly, monthly……. performance. Get more of it here.This is the most important stage to make yourself a successful investor. Everyday tracks your profit and loss. You don’t have to give hours, 15 minutes will be enough.What you have to do is whenever you have a profit activate your flashback and figure out what made you invest in this share and mark that criterion as a good evaluator of share. And same applies to the loss position in opposite way.When you have traded for a couple of months, nearly daily and got great insights of the market, open up Q platform, track your past transaction and create an algorithm.…….and do whatever you need to cultivate maximum profit from stock market fluctuation.Create your strategy………Create your parameters……….Create your own disciples……….In-short, rely on yourself and trade like a boss. Don’t get influenced by other traders, instead, influence them by your moves.This is where the real money will be made. There are no shortcuts in this process...this is how it's done.Just remember one thing:Following others will not make you rich. Making others follow you will make you rich.Hit me up on my website if you need any help.Stay invested in Sensex or Nifty 50. Normally shares of this category don't tumble more than 5% per day. Exceptions are always there but it's better than mid or small cap stocks. Once you get some experience in the field, choose your stock by your own analysis and own strategy.Go for short term trading (although, I’m a great enemy of short term trading) but as a beginner, you’ll not invest much so you should try with a short run. If you invested for the long run, you’ll lose your interest in some time.Keep the volume of traded money equal to the money which will not make you unhappy, if you lost them.Don’t get trapped in the vicious circle of brokers, advisers…. If their advice are so much effective than they would have been trading shares, not selling their advice.Here’s the reality: You’re in a tough spot.Starting investment profitably for a layman is not easy, but if you’re willing to put in consistent effort, it can be done.I’ve shown you four of the most effective steps I know to get started investing for a newbie. I encourage you to just focus on above steps until you create a sound money making a portfolio.If you’re looking for a bigger guide (with an illustration of a stock), this might help you - How to start investing: A complete guide from "आहा..." to "oh! shit"If you’ve additional advice for newbies or have any sound investment strategy to share with others, I’d love to hear about them in the comments below.
Have you really encountered anything paranormal or a ghost? How did you deal with it when it happened?I will share two stories:When I was 5 I made a new friend, Evan. Evan and I played each day in my room. My mom and her boyfriend were not concerned about my “imaginary” friend, until they started seeing him. They would see him standing near our bathroom or in their bedroom sometimes. Once, my mom’s boyfriend literally ran out the bedroom and refused to sleep there. They thought switching rooms would help.One day, As Evan and I were playing, he became upset and hit me. My mom called a Reverend and his wife who were close friends of my family. They came over and brought others, but I don’t remember how many. When his wife entered our apartment, she went straight to my bedroom and walked over to a net that held my stuffed animals. She pointed at my favorite stuffed Barney and said “This one, he’s attached himself to this one”.Next, Reverend, his wife, and the others formed a circle around me in our living room. They were praying and speaking in “tongues”. This is what I remember the most: I was terrified, confused and crying. I remember them being so much bigger than I. I didn’t understand why Evan was bad and I certainly didn’t understand what they were doing.After their prayers, the Reverend told my mom that we mustn’t speak of him. He also told her that we would be getting a lot of company over the next few days. I remember getting MANY visitors. My mother would only let them in if they agreed to let her put a cross on their foreheads with oil, I think. There were also crosses on the door to enter the apartment. Later, she told me that she was instructed to annoint everyone because Evan would be trying to get back in “on the backs” of our visitors.She never let me talk about him after that. It’s funny because I remember him. He was a small boy, around my age. He had dark blonde hair, he wore a white collared shirt and white shorts. He was a kind boy, a fun playmate. Perhaps we had a disagreement about my toys like many children do. He was real to me even though his memory fades as I age. It’s insane to me until this day that he wasn’t “real”.That particular complex had some strange happenings from what I can recall. I had some very vivid nightmares during our time there, and even though I was quite young, I still remember them very well.There was a woman across the hall that would always come to my mom’s house and as I eavesdropped, I overheard the woman say that something was attacking her and her son. A lot of the people there gossiped about the complex being haunted.I have another memory of talking to another boy in the hall of the complex, he was older. He said something funny or I think he did because I remember we laughed. He walked away from me toward an elderly woman’s apartment who was one of the residents on our floor, Maggie. When I turned to say goodbye, he was gone. I had never seen him on our floor, my mom was friends with literally everyone on our floor (there were only 4 apartments). I do not know if the boy was “real” or not.I also heard years later that the residential manager said that the complex was built over a former cemetery. I do not know if there is any truth to this, I have not looked into it. If I can confirm that it is in fact true, I will update this post.————————STORY #2———————-I have an aunt and uncle who are very close in age to my brothers and I so we all grew up together. We all shared this weird experience while having nightmares. My aunt called them “Hanks”. The hanks were malevolent entities that we could not see, but they would attack us and grab and squeeze our sides. The sensation that was felt when they would grab our sides is similar to what it feels like when you’ve hit your “funny bone”. The feeling was deeper and more intense though, an uncomfortable feeling…like they were digging.When I got older, I started searching the Web for similar experiences with no luck initially. Finally, I came across a term: “haint” which are spirits that are unable to find peace. So, obviously I realized they weren’t called “Hanks”. It’s just odd because my aunt never told us how she learned that word. Even today, she has never said how she knew that, even though she was mispronouncing the word.I still have nightmares about the Hanks (I still call them this). Now, they appear to me as people. When I was a teenager, I was convinced that they were grabbing my sides because that was the easiest way to get to my soul. Now that seems so absurd but, after having so many nightmares about them over the years and considering the emptiness I have experienced over the years, I wonder if they haven’t been taking it piece by piece all of this time. This experience is recurring so, I’ve learned to wake myself up when it happens. Sometimes I can’t, so I close my eyes and pray to whomever is listening to wake me up.
How can I apply for an internship at IIT Bombay?Full-scale guide to internship ahead. It will take 3 minutes.During my sophomore year( 2nd Year) of studies I did a lot of research on Internships, how to secure it and how to get a sure-shot success.I have compiled all the questions and how to work on themWhy should I do an internship?Ans: No, you don’t need to do one, internship are not burden that you should do. You can go and learn to play guitar, feel free to explore yourself during vacations.Internships are not only in Education, there are a heck lot of internships for Music, NGOs, Tutors, Dance(Yeah you heard it right). Now for all those in colleges( I mean study focused minded people), internships are a must ( yeah you heard me right, it is must- A recent update in rule suggested that you must have 3 internships).P.S. I have still done only one internship and still in search for 2 more (I completed my recent internship from France, CNRS).2. What internship should I do, I am confused?Ans: First of all you need to find your field of interest, it can be anything, yeah anything you like, it doesn’t depend on your course/career but on your interest.I have interest in Machine Learning , Computer Vision and Embedded Systems and I am in Electronics Branch.So, once you know about your field of interest you are perfect to go ahead to search for an internship.How to find my field of interest? Refer here : “How do I find out what my actual area of interest is?”3. Where to search an Internship and how to proceed?Ans: GOOGLE , it’s all.Nothing can help you more than google. Let me be clear, never go for sites like Internshala,Letsintern,InternXXX (I am not devoting this site, these sites have all startups and local companies and jobs that won’t help your enrichment rather will prepare you for 9–5 jobs believe me, I have experience) before searching them on your own.4. What are per-requisites? What should I have? A good SOP? A good CV?Ans: I will focus on basic things to keep in Mind.a. A good balance between CGPA and Skills will help you a lot. Don’t worry,if you don’t have a good CGPA, you must be talented with so many things then( Guitar, Singing, Dance—- yeah buddy you are talented.)b. Your focus in career, I mean what you want to pursue further.Just make a list of 4–5 topics you want to pursue further.c. Compile a list of projects you have done until the time you are going to fill the form.Put all the details about the project, how it works, under whom you have done it, what is its benefit.Projects can be anything: Have you created an applications based on your interest, a cool DIY project, an electronic game, a computer program—it entirely depends on your choice.I created aa TIC TAC TOE game and I quote it in my CV.d. List of your training and online MOOCs, if you did anything.(I am a regular user of Coursera, udemy, udacity, and edx.I keep on learning new things).Just mention these MOOCs and training wherever you get space.If you have certificates, feel free to include their links.e. The workshops, seminars you have attended.Do you know- Your curricular labs may add a lot to your form, but how? Suppose you are interested in Digital Signal Processing, and you attended Digital Signal Processing lab and gained 10/10, Go on quote it in the form.f. A Good Statement of purpose, describing what is your interest.g. A resume for yourself (max 2 pages).5. What is a good Statement of Purpose and How to make it? How to make a good resume?Ans: Follow here: How to write a successful SOP , How to Write a Statement of PurposeRest you can post your questions in comment section for some-specific field in SOP, CV.6. When should I start to search for an Internship for Institute and Well-known Companies?Ans : When Should I Apply for Summer Internships?, Most of the interships application begin from late December till Feb beginning.For institute specific internships, there are two waya) Fill the application form of the Internship Advertisement.b) Mail the professor.The application form is different for different Institute, regarding the mailing procedure - I will like to quote an answer:( Source : Tuhin Kundu answer)While writing a mail to an IIT professor, some blueprints and strategies should be kept in mind:Show your proven academic record. Your chances increase manifold if your CGPA is >9.0 Not to lose hope if you haven’t got it. Neither did I.Showcase the major projects you have undertaken in your undergrad till date.Share links everywhere in your resume and cover letter. Links to your LinkedIn, ResearchGate, Codechef, SPOJ, Github etc are pretty useful.Upload your project reports to a cloud storage such as Google Drive and share the links in your resume.The mail you are going to write is the most critical part and is usually known as a cover letter. Professors are only going to open and see your resume only if your cover letter is strong.Talk about the technologies you’ve learned, the projects you’ve done or are doing, the collaborations you have undertaken with professors at your own college in your cover letter. This section is the one that convinces the professor of your credibility.Avoid attaching your CV in your mail.Upload your CV in Google Drive and share the links. Emails from unknown sources usually end up in Junk folder of university emails.Make sure your email stays at top.Email professors late at night such that your email will be somewhere at the top when the professor logs in into his email account in the morning.Talk about your inclination and motivation to work under a certain area/domain. Convince the professor about why you want to work in that certain field.Repeatedly spamming a professor will be of no good.Filter out the professors who match your research interest. Mailing every single professor of the entire department may result into marking your email address as a spammer by the institute email filter.An example of mail to professor can be:( Source : Rahul Goradia Answer)Subject : Regarding Internship in Embedded SystemRespected Prof.____________Sir/Madam,I am ——- from ——— pursuing ___________ and willing to do internship under ______________ posted on website for duration _____.Sir/Ma’am, You are working in ________ domain and you have carried out ______ projects. You also take interns in embedded Systems.I am wish to start internship under our guidance. My curriculum includes ____ related subjects to embedded system. I have completed __________ projects. I will be available during whole internship and will be very sincere throughout internship. (You can add reference of your faculty as well.)It will be a great pleasure to work under you.Sincerely————.Now let us focus on my IIT Bombay Internship.Actually I received internship offer from IIT Bombay, IIT Gandhinagar and IIIT-Delhi in my 2nd Year.Focusing on IIT Bombay Internship.The IIT Bombay has two ways of internship1) Ekalavya Internship Program **EKALAVYA HOME Page (EKALAVYA HOME Page)2) By mailing to the professor of your field of interest.Let me describe both one by one and all things which you requireThe Ekalavy internship mentioned : Apply for the internship only if you are completing the 3rd year in April/May 2017. Students completing 2nd year, with exceptional academic performance and other achievements may also be considered.The procedure for ekalavya internship,a) Apply for the internship.b) If you get selected for the first round.Then wait my friend , there is one round more.c) The second round is an Online Test, I was guided a lot by my seniors for the test, they helped me a lot for the test preparation.d) If you clear the online test( which has medium difficulty), congo you got selected.In order to get an internship by emailing the professor, you can look on etiquettes on how to mail a prof., how to search for one, how to get in touch.I will add links to the mailing etiquettes soon.I will edit more details soon, rest you can comment on specific topics which you want to know about, I will be happy to help.I am a student majoring in Electronics and Communication branch.Also, let me add, your present college won’t stop you from getting an Intern anywhere ( A motivation for you).Edit 1:The Art of Emailing Professors to Secure a Foreign Internship ( Source : Internshala )Email is the most under-rated, under-used tool for grabbing an internship abroad. Read all about how to utilize it effectively!There are two definitive ways to bag an internship-1. Apply to various internship programs such as MITACS, DAAD-WISE, etc. Fill up your application form in the fanciest way possible and leave the rest up to fate.OR2. Write an email to a professor as a prospective intern/student.The latter might sound easier than it reads.Being resilient: Professors are busy people. Do not lose hope if your first, second or even third email goes unanswered. You have to be resilient while contacting professors.Timing matters: The time you send out your mail matters more than you think. Never email a professor during the weekends or Friday night; that might be a convenient time for you to email the professor but it is also the professor’s day off and your mail will get buried under the numerous other student’s applications. Professors tend to check their mail during their office hours thus increasing chances of a reply if sent out at such a time.Whom not to contact: It is advisable not to contact more than one professor from the same department as, if found out, it will dampen your credibility in the eyes of both professors.Be specific: I cannot stress on this point enough. In the subject heading of email, be sure to include the specific area you want to intern in. The professor shouldn’t have to scour through the email to search for what you want . If you want to do a research project under him/her, a subject line such as ‘2015 Prospective Research Intern for xyz subject area’ would be ideal.Funding: Most professors are reluctant to provide funding and understandably so; you are an unknown candidate with only words to prove your credibility. Typing out a politely worded, technical email will help your chances. Make sure there are no grammatical errors. If you are good at academia with prior work experience pertaining to their field, then getting funded becomes much easier.The email is all about you being a student that the professor absolutely HAS to offer a position. The real question you should ask yourself is: What can I do to make the professor respond to my mail instead of ten dozen others lying in his/her inbox? Here’s what-Start Early: Consider this. You contact professors in October for an internship that starts in January. Provided one responds, confirmation of a project takes time. There are official procedures to be considered, especially if it’s a funded project. Then there might be a matter of VISA which needs a few weeks at the least. In the end, you might find yourself racing against time to get the confirmation.TIP: If you want an internship offer by January of next year, you should start with your research six months ahead. Keep in mind the vacation timings for the countries you are targeting because most professors will have their automatic vacation responders on during these months. By the time they read their mail, yours will be more than twenty thousand leagues under all other emails.Target the right country: If you desire an international internship, you have to be smart while choosing universities. Some professors just don’t have the funds to admit you. So what’s the point in setting up base camp there?TIP: At the outset, select countries which are known to provide funding to students. For example, news and statistics show that of late, Canada is an emerging tycoon in the education sector and is allocating massive funds to projects. So it could very well be your next destination.Spam emails: Most emails from unknown addresses are flagged as spam and don’t even signNow the inbox. Professors also can’t be sure whether you are truly a student or a fake.TIP: One smart preventive measure would be to use your university email ID which identifies your first and last name and also has something like ‘@iitg’ or some such credible ending. This validates both points at once.Bulk emails: A lot of students have a huge list of professors and play chance with their emails. Writing a bulk email with a set format to all professors will only result in immediate deletion from inbox.TIP: Spell the professor’s name correctly. Get the honorifics right- Professors are usually ‘Dr.’. Salutations such as ‘Dear Dr.X’ or simply ‘Dr.X’ should be used. Write about what interests you in their body of work.Do your homework: Professing interest in someone’s work by saying ‘I would be really enthused to work under you’ has absolutely no bearing unless you give evidence to support it.TIP: Run through the body of work the professor has done, select one publication or project that overlaps with your interest and READ IT. Come up with some interesting insight or query about it. Don’t be vague, use technical words. Try to add your own ideas. Nothing proves your interest more than actually doing your homework.I recently bagged my Latest 2018 Summer Internship in “France- Paris ,Lille”.I will love to share it’s detail along with 30+ Internships that a “first year student too can fill and achieve”.Meanwhile, you can ping me on Facebook or ask your questions in the comment section for any help.(facebook : Animesh Srivastava ).Thanks for all the sources:https://blog.internshala.com/201...Tuhin KunduRahul GarodiaHappy to help you all ! Cheers for an amazing life.
Have you ever had to come to the realization that you’re not as smart as you thought you were?Indeed!!! This story will make you laugh!!!Yeah, one time, I decided to try out for the TV game show “Who Wants to Be a Millionaire.” I filled out the online application form, and took the online quiz, and — Lo and Behold! — I passed! Yes!!!! I passed!!! I was accepted for an audition in New York City!!!Now feeling quite smug about my own superior intelligence, I patted myself on the back and gave myself a hearty “YES!!!” (with thumbs up) every time I sat on my bed, in the middle of the afternoon, watching “Who Wants To Be a Millionaire” with my cat.Ha!!! Ha!!! Yes!!!!!!!!!!!! I guessed the right answer once again! HA! HA! HA!!!!!!!!!!!!!!!!I am brilliant!!! I am GENIUS!!!! AHA!!!!Then came the big day — try outs — in New York City.I had flown there the day before, taken a taxi to my cheap little pathetic (expensive) hotel in the middle of downtown Manhattan, where I was kept awake most of the night from the bright lights and sounds of “the City that never sleeps.” Also, the smell of roach spray in the hallways and in my pathetic little room, with the shared bathroom down at the end of the hallway, did not produce feelings of sleepiness, either.In the morning, I got up early and went to find a beauty salon. I wanted to look my best. I wanted to look like the winning contest during my audition.New York City beauty salons are not cheap, I discovered! The hair cut and style and manicure cost me well over $250, but, hey, when you’re about to become a millionaire, I realized that little expensive was just a drop in the bucket.The next taxi dropped me off at the audition location. I had my audition acceptance letter in hand, as I joined the crowd standing in the long line.The long line soon queued up. There were literally hundreds waiting in the long line.Soon, the doors opened, and we were ushered in, like cattle, and directed to be seated at various tables where we were given name tags. The guy sitting across from me had already been a contestant on Jeopardy. “This will be a piece of cake,” he stated, smugly.There were many pencils on the table that had “Who Wants To Be A Millionaire” engraved on them.Soon, we were given a test sheet. Our sheets were all unique, so no one could cheat off of anyone’s paper. We were instructed to use those “millionaire” pencils to fill in the correct little multiple test circles.When the bell rang, we were given 10 minutes to answer thirty questions. Some of the questions were complicated math word problems, which I could figure out, if given enough time. Other questions were about pop culture, country music, or history, science, etc.I was on about the seventh question when the test administrator announced, “You have five more minutes.”Five minutes???I instantly felt panic-stricken, absolutely panicked! I looked at the Jeopardy guy across from me and noticed that he was already on Question 29!Before time was called, he had already finished, and had turned over his paper, and was now just sitting there, leaning forward with his hands clasped together, with that smug little smile on his face.“One more minute!” the test administrator announced.At this point, with more than half of the questions still unanswered, I just simply decided to hastily mark them all “C.” Right? Didn’t I, the genius, read somewhere that “C” is the best guess?????C, C, C, C, C, C, C, C, C, C . . . .DING! Time’s up!We were instructed to leave all of our test papers face down and to just sit and wait.While we waited to hear the results of who “made” it, and hear which auditioners would be invited for the Next Step (to participate in a mock game), the man across from me smugly bragged about how “easy” the test had been for him.Sure enough, out of a room of about three hundred applicants, about five names were called. Yep! Only five people made it to the next step out of about three hundred applicants.The guy across from me was one of the five.Back in Gainesville, Florida, my friends were eager to know when I would be appearing on Millionaire.“Well, I will not be appearing on Millionaire,” I informed them, “but here’s a pencil from the try outs.” Everyone LOVED their “Who Wants to Be a Millionnaire” pencil.I should have kept one for myself. Those free pencils — that we were invited to take off the tables — had cost me more than $1,000 — between the plane ticket, the new outfits, roach spray smelling dingy hotel room, beauty salon, etc.The following day, I sat on my bed, watching an episode of Millionaire with my cat.Wouldn’t you know it! I got an answer right that the contestant missed!!!Dang!!!
Has serving on a jury in the U.S. given you a different view of the law and the judicial system? Has your view become better or worse of the system?I already had a poor opinion of the jury and court system before I was ever summoned. My experience merely confirmed it.Trial by jury is an anachronism, and in an age where jurors have to send to the judge to ask what a Senator is, it is dangerous. It was a necessary remedy 750 years ago, when Henry II sent royal justices from shire to shire to try cases on the Crown’s behalf. Knowing nothing of local circumstances, the justices had a panel of local men swear to the truth of a matter. Of course it was an improvement over trial by ordeal or combat.Many matters today are simply too complex for reasonable decisions to be rendered by anyone except experts. To think that I might find myself at risk of being deprived of life, liberty, or property by the sort of person who voted for our current President is intolerable.Around 1976, I read Louis Nizer’s My Life in Court. Nizer argued for the plaintiff in a civil case in which a professional had been egregiously negligent. Any reasonable verdict ought to have included enormous damages. In his summation, Nizer said the defendant’s indifference to his professional duty had been little short of criminal.When the verdict was read, the jury found for the plaintiff but, to Nizer’s astonishment, awarded an insultingly trivial sum. When Nizer asked why, it turned out that the whole time, the jury had never understood the difference between a civil and criminal trial. They could not evade the defendant’s obvious guilt, but when Nizer used the word “criminal” in his summation, they feared that if they awarded large damages, this would somehow result in a prison sentence for the defendant.I was summoned for jury duty in 1997 and spent 2 or 3 days reading in the jury room. Finally, I was called.The judge, who had the reputation of being a judicial lightweight whose wealthy family had purchased her judgeship, gave a languid description to the jury, in a barely audible voice, of the difference between a criminal standard of proof (“beyond a reasonable doubt”) and a civil standard (“preponderance of the evidence”). I would be amazed if one in 10 understood what she meant. I was tempted to just speak up and ask them, but of course, I would have been immediately held in contempt.The case was about a traffic accident. The judge allowed one of the attorneys to make a statement before the jurors that, as far as I could tell, immediately prejudiced the case and made a fair trial impossible before it began.Years later, that judge was forced into retirement when it was found that she was conducting her own investigation into a case before her court and actually visiting the home of one of the parties to demand information.The sheriff’s deputy who escorted us to that courtroom was found as a customer in a crack house a few weeks later, in uniform, with his service revolver by his side.This happened in a city of over half a million people.I was called again in 2012. This time, I served for half a day on a grand jury. That, too, was an eye-opener.We were warned that we were not there to try the case, but only to decide, upon presentation of basic facts, if a “true bill” existed (that is, if it seemed there was probable cause to return an indictment and hold a trial). I did not find most of the presentations convincing.For instance, a robbery had occurred at a Walmart. A black man had been apprehended nearby, running. Now he may have been the robber, or perhaps he was someone else altogether. I asked on what basis this black man had been detained. The very polite detective presenting the case said he was sorry, but he had not been involved and was only presenting these facts on someone else’s behalf. I voted “no true bill.” In this, as in the other cases we heard, almost all the jury seemed to simply rubber-stamp whatever the police said.The next witness, a female officer, was not so polite; she seemed to regard any questions as an impertinence. A gun had been found under the hood of a man’s car; it had been assumed it must be his, and his denial of ownership was ignored. I pointed out to the officer that I did not own a gun and asked what was to prevent some gun owner who had committed a crime from placing it under the hood of my car, only to be discovered by a surprised mechanic when I took my car to the dealer for servicing. I don’t recall her answer, only her smart, sarcastic attitude. My overall impression of the process was that the grand jury was expected to uncritically vote a true bill for insubstantial and poorly prepared cases.My third experience was for Federal jury duty. This judge seemed intent on badgering everyone, of any background or persuasion, to acknowledging that they could be objective in judging any case. He made a show of asking for people’s opinions but then simply ignored them. For instance, the case to be cried was a gun crime (but not a violent one), and I told him that my cousin’s two children had been shot to death by their stepfather just a few years before, and the judge still said “But you can be objective in this matter, yes?” I suspect many people answered “Yes” for fear that if they answered otherwise, they would be held in contempt, perhaps even jailed.One poor woman even spoke up and said she had Crohn’s disease, which would make her bathroom needs urgent and immediate, and the judge still said he thought it best if she would serve. I found his forcing her to admit such a thing publicly, disgusting.Despite the judge, the attorneys found ample reason to challenge me, and I was dismissed.I believe cases should be tried before mature, well-informed people of sound judgement and sufficient knowledge to evaluate the evidence. To think that such a group is likely to be discovered in today’s United States by the present jury selection system is simply laughable.
How do you know if you need to fill out a 1099 form?Assuming that you are talking about 1099-MISC. Note that there are other 1099s.check this post - Form 1099 MISC Rules & RegulationsQuick answer - A Form 1099 MISC must be filed for each person to whom payment is made of:$600 or more for services performed for a trade or business by people not treated as employees;Rent or prizes and awards that are not for service ($600 or more) and royalties ($10 or more);any fishing boat proceeds,gross proceeds of $600, or more paid to an attorney during the year, orWithheld any federal income tax under the backup withholding rules regardless of the amount of the payment, etc.
How many people fill out Form 1099 each year?There are a few different ways of estimating the numbers and thinking about this question. Data from the most recent years are not available—at least not from a reliable source with rigorous methodology—but here is what I can tell you:The most popular type of 1099 is Form 1099-MISC—the form used to report non-employee income including those for self-employed independent contractors (as well as various other types of “miscellaneous” income)Since 2015, there have been just under 16 million self-employed workers (including incorporated and unincorporated contractor businesses). And the data from the BLS seems to suggest this number has been largely consistent from one year to the next: Table A-9. Selected employment indicatorsNow, the total number of 1099-MISC forms has been inching up each year—along with W-2 form filings—and may have surpassed 100 million filing forms. RE: Evaluating the Growth of the 1099 Workforce But this data only goes to 2014 because, again, it’s hard to find reliable data from recent tax years.In terms of the total number of Form 1099s, you’d have to include Interest and Dividend 1099 forms, real estate and rental income, health and education savings accounts, retirement accounts, etc. I’m sure the total number of all 1099 forms surely ranges in the hundreds of millions.Finally, not everybody who is supposed to get a 1099 form gets one. So if you’re asking about the total number of freelancers, the estimates range from about 7.6 million people who primarily rely on self-employed 1099 income and 53 million people who have some type of supplemental income.If you’re someone who’s responsible for filing Form 1099s to the IRS and payee/recipients, I recommend Advanced Micro Solutions for most small-to-medium accounting service needs. It’s basic but very intuitive and cheap.$79 1099 Software Filer & W2 Software for Small Businesses
What are the common mistakes that seed-funded startup founders make?I raised $500,000 at 19. I was on my way to change the world. Three years later everything burned down.This post is not about how to shoot for the stars or run a company. Others are better at that.This is about what not to do.I’ve made every mistake possible. But ironically, I’m constantly meeting teams doing the exact same things that caused my first startup to implode. Everything I’m writing about I’ve experienced first hand through my own startups as well as various businesses I’ve been involved in. It’s been all my fault and this is my story.Some of you will disagree with me. Others will have things to add. I’m happy to discuss in the comments.Here’s my attempt.ZUCKERBERG SYNDROMMy girlfriend didn’t know what I was working on for nine months. I slept with a chair blocking the front door. My phone was tapped. Corporate America and Uncle Sam were listening. Someone was going to kill me to steal the idea.I really believed this. So I did everything possible (literally) to avoid getting feedback out of the fear of having our idea stolen.Ultimately, secrecy and stupidity killed us. Three years and hundreds of thousands later, we released an alpha version to a modest 30 people for the first time. Everyone hated it. Our capital was gone. Our morale: zero.I see this all the time. Startup founders hiding their ideas because of the fear that someone will steal it. Remember: no one cares about you. Your biggest issue is getting discovered. If someone steals your idea, that means you’re doing something right.Because of this syndrome, most startups are wasting their time and money building products no one wants. Why? Lack of testing. The biggest mistake a company can make (product wise) is to avoid talking to and testing with potential and current users. Every day. It’s also one of the main reasons startup’s fail.If you’re not constantly releasing and looking for feedback you’re either a) delusional (me) thinking too many people will sign up/buy your product and you won’t be able to scale b) scared that it’s not good enough (me) or c) someone will steal your idea (as I was).A. SCALING“Your priority, in short, is proving that people will use your product at all. If they won’t, then it won’t matter if you can’t scale. If they will, then you will figure out a way to scale. I’ve never seen a startup die because it couldn’t scale fast enough. I’ve seen hundreds of startups die because people refused to embrace their product.” — Guy Kawasaki [Emphasis mine]I’ve done this and I’ve experienced this in the past three startups I’ve worked in. It’s completely delusional. If five out of five people tell you that they wouldn’t use your product (before you build), quit. If eight out of ten people tell you that they hate this feature and you empirically see that they’re not using it, kill it. Don’t assume. Always be testing.More on feedback below.b. TESTINGSee point A.C. STEALING(!)No one will steal your idea. It takes time, money, skills and immorality to steal. Not everyone is born that lucky.Most importantly, no one cares about your idea.They’ll only start caring when there’s a massive amount of initial traction (50,000+ users). By then, you’ve already established a strong user/customer base and it’s too late for the others.HIRING FOR WEAKNESSOnly hire for a strength that needs to be filled in your company. Never for a weakness.Not once did any of the startups I worked in hire for a strength. I repetitively recommended hiring people purely out of loneliness, fear and scarcity repetitively. Each time it sunk us deeper.But what does that mean?Hiring for a weakness means that you attempt to fill a weakness in the fundamenetals in your company by hiring for a weakness. Example: If you’re building a product and it’s not gaining traction and your company doesn’t have inherent fundamentals, hiring Ryan Holiday to sell your product won’t help. You can’t fight weakness with weakness.However, if you have a rockstar engineering team and you want to add a marketing person to help take the product get to another level, then you’re adding a strength.Hiring for weakness also means:a. You hire a B+ player instead of a A+ player.b. You hire people so that they go through the struggle with you, so that they share your fears and paranoia. Not so they execute on what’s needed.c. Hiring someone to fill a position. Not to compliment the rest of the company.d. Hiring someone and not having any idea of what the hell you want them to do.e. It means hiring someone because you think there’s no one else. Scarcity.f. Hiring a client’s friend. Because you’re scared.It’s ultimately about the fundamentals. If the fundamentals of the product and the team aren’t there, adding someone is just adding a weakness. It won’t help, because it’s not a strength.PAINTER’S DILEMMAApproving emails? One week treks. Our first wireframes? $40K and four months. Did we have a working product after all this? No. We failed.The Painter’s Dilemma is when you’re so deep in the details of your project that you don’t even know what the idea is anymore. You’re blind. When you’re too deep you need help.How to solve it? Stop. Talk to people. Get feedback. Iterate and build. Release. Breathe.Repeat the loop.The more feedback you get the healthier you and your product are.FEEDBACK*I can’t emphasize this enough. If you don’t get feedback (everyday) you will die. I never got feedback. EVER. Well, until the cash ran out. Oops.If you’re not getting qualitiative and quantitive feedback/data everyday, the cancer will start.It’s easy: speak to people, Google Analytics, send surveys. Just don’t hide from it.*This is the crucial and worth a dedicated blog post in the future.COMMUNICATE“Don’t talk to him, he doesn’t understand. He’s out of the picture next funding round anyways.” I hid everything internally. It was easy, we were in 5 different countries! Our developers were remote (I’ll get to that) and Basecamp was our only means of communication. In other startups, I wouldn’t included people from discussions because “it isn’t necessary. That isn’t their job”New features, awful designs, conniving plans were all pushed through a funnel. I was the leader of the deceiving. Architecting a blue print to push my own delusional “never test and succeed” agenda. My style? The longer the email the less likely someone important will read it. What a strategy. As always, the CEO is the biggest idiot.I don’t care if you’re a church, a tech startup or a non-profit. If you don’t have a system of communication in place that keeps everyone aware of what everyone is doing in the company, in real-time, for every milestone, everyday, you will die very soon.Lesson: Live and breath Scrum.SCREW LAWYERSLawyers are criminals.I spent $15,000 on legal documents/fees we never used. Every entrepreneur/startup I’m involved with thinks lawyers are the first step to success. Bullshit.DOCSAll the legal documents you ever need are available online. If you’re B2B, all companies that you’ll work with have their own standard LOEs, NDAs, etc., that they anyways steal from Fortune 500 companies. Request it. Then use it. B2C? Here.BUT I NEED A TRADEMARK!Unless you have 10,000 clients you don’t need to think about copyright or even the name. Prove the concept first. Worry later. If you do have to worry, those are very nice worries to have.PATENT IT!Patenting something that isn’t validated with at least 10,000 clients is moronic. Ironically, this is the only mistake my first startup didn’t follow through with (fully, at least).DECISION MAKINGI was traumatized from taking decisions. Most startups never take decisions. In other statups I work in, decisions took weeks. People join startups for the reason of avoiding bureaucracy but everyone still does it. Why? Lack of trust and overview of the team, so they choke the process (have I suggested Scrum?).The board should decide on the vision and the group should decide what to execute on by creating a backlog for the week. The team should then have the power to execute it. With a great communication process in place, teammates should be able to take decisions without reporting to anyone while keeping everyone updated with everything’s that going on, live. Have a flat structure to achieve this by using Scrum.Let people do their jobs. Trust them. Don’t have a tedious review process as most startups do. Don’t suffocate the system. Empower your people.Read Scrum by Jeff Sutherland on how to manage your team. Then read Team of Teams by General Stanley McChrystal for how to organize the information flow. Both books compliment each other perfectly.THE BOARDThe ideal board is 3–5 people maximum if you’re a startup. Anything above that means that either no decisions will ever be taken (my first company) or someone has a hidden agenda and profits from a discombobulated board.A business is not a democracy. Unanimous decisions don’t work and will never work.Who’s should I put on the Board?Only investors/shareholders who hold a large stake and are extremely active in the success of your venture.INVESTORSSmart Money vs Still MoneyJust because someone is offering you cash almost always means you shouldn’t accept it.Your investor can have the greatest contacts in the pharmecutical industry. She can be CEO of Merck. If she doesn’t have a massive network in whatever industry you’re in, it’s worthless. The money will be worth nothing. This is true 100% of the time.Always onboard investors that can help you in your niche industry.MEETINGSThis is my top 3 favorites. Most won’t agree with me on this.I’ve never been to a meeting that has made me money/funded my venture. I don’t think anyone has. Has anyone ever handed you a check at a meeting? I doubt it. Today, it usually happens by wire-transfer.Meetings are pointless. Every team I meet, consult for/work with all think that going to meetings is the most crucial part of business. Most importantly, the whole team should be there. Pick up the fucking phone. Travel is time and money expensive. Even if you’re taking a cab.I would fly 10,000 miles for a 3 hour meeting and then fly back to Europe that same day. $30K. Gone.“If you had to identify, in one word, the reason why the human race has not achieved, and never will achieve, its full potential, that word would be: ‘meetings.’” - Dave BarryMost of the discussion can be ironed out over email and FaceTime.Ok yes, I agree. Meeting in person is important. But not until it’s necessary. Most of the time, it’s unecessary. And even when it is, it shouldn’t always be an excuse to leave work for a business lunch or to Shanghai for the day.Avoid meetings. Get more done.It’s a waste of time 99% of the time.FOUNDING PARTNERS = YOUR SPOUSEYou will be married to your partners and investors for the next 7–10 years. Choose wisely.Know your team. Speak to your investor’s enemies. Get references for everyone.Don’t be a deceiver. Use Scrum.WORKING HOURSWe worked 16 hour days. Yey! Startup life!No. Work 8–10 hours and you’ll get more done than working 18 hours a day. Don’t believe me. It’s proven.Working 18 hour days leads to a burn out, which leads to painter’s dilemma, then delusion, then deceiving others around you, then depression. Then it’s too late.Ultimately, the more you work the more mistakes you’re prone to make. Mistakes made are mistakes that need to be corrected. Mistakes that aren’t correct can take up to 24x longer to correct than if they were corrected immediately.But you can’t see that. You’re burned out. You’re in Painter.PRODUCT / MARKET VALIDATIONAnother reason I refused to test in the three product startups I was involved in was because “the ideas work successfully elsewhere. They will also work here.” Doesn’t work like that.Just because you’re making a mishmash of several products that have product/market validation elsewhere doesn’t mean people are willing to use your product. I have yet to meet a new founder who hasn’t claimed this.In order for someone to switch to your product, your product needs to be at least 8x better.*Is your product really 8x better than your biggest competitor? If the answer isn’t a clear yes, quit.*Read Hooked by Nir Eyal and Ryan Hoover for how to build habit forming products.RECREATING THE WHEEL“God gave you eyes, so plagarize.” -Michael LewisNo need to re-create the wheel. Everything is out there already for a reason. Use APIs, read books (many books), steal functions, designs, ideas, marketing slogans, branding, on boarding processes, software, colors, clients, everything from other people/companies who are successful.This doesn’t mean that you shouldn’t test it in your own environment. You must validate every single function that you put out there. Use the Lean Startup KanBan by Ash Maurya for this.DILUTIONWe gave away 51% for our first funding round. How much did we plan to keep when we “exited?” Think about that. It doesn’t make sense.Startups do this all the time. If you retain 51% after the seed round, how much does the founding team plan to keep by Series B? 20%? If you take the average of what you got paid for equity after the exit + your salary you’ll be paying more in taxes with a minimum wage paycheck for the past 8 years it took you to exit. Might as well work in a shoe store.If you don’t have the bargaining power (a validated product) to raise money with, quit.GUYS IN SUITSOur tech partners wore suits. That made us comfortable. They ended up quoting $100k. We ended up with nothing.If you see tech people in suits, run.OUTSOURCINGI lost well over $100,000 for our first version that was outsourced. We were smart enough to not learn from our mistakes so we found another team to outsource with. Another hefty sum gone. Only myself to blame.I’ve had terrible experiences with outsourcing and great experiences with in-house development.However, many products (we all use everyday) have found great success in outsourcing. I also know many entrepreneurs who outsource and are extremely succesful. While there are massive benefits, there are also downfalls. If you plan to, find a free consulting company that has pre-screened teams.Either way, using Scrum increases your chances of success in-house or out.YOUR TEAMEntrepreneurs read about Steve Jobs’ management style and think he was a tyrant. So they curse at their employees and tell everyone that they are “shit.” They think that’s how a company should be run and that’s how teammates should be treated. Wrong. Treat your team like shit and you’ll get shit.Either way, that’s not how Steve Jobs did it. Steve Jobs empowered his team. He told them that what they’re outputting is shit because he knew that they could do better. Because they are the best in the industry. He made them feel good. He challenged them and today Apple is Apple because of that.On the other hand, I lied. Didn’t speak about the hard things and repressed whatever fear or worry we had. We were scared that someone would quit or that we would look bad if we showed our emotions in front of our investors.You should always be able to tell your teammates all the fears and worries you have. Chances are, if you’re worried about something, everyone is worried about the same thing. Bring it up. Talk about it. I keep mentioning Scrum* because it encourages team members telling each other what’s bothering them and what’s impending the growth progress. This is key to not failing.Not once, in any of the startups I was in, did I or others get credit for great work or for their ideas that ended up being implemented. Not once did anyone congratualte a teammate on a engineering triumph, a beautiful design or a new lead. Startups think “business is business. This isn’t a cute place to pat each other on the backs.”BUT THAT’S EXACTLY WHAT A BUSINESS SHOULD BE. You should be holding each other up, helping one another and listening to the problems in the team. Because ultimately, you’re on the same mission.The second the negativity flows in people become scared. They stop raising issues, telling you how they feel and how to improve the business. When that happens you start to slowly die because you’ve fell into dillusion that everything is working. Six months later, you’re on the street.Empower your team. Congratulate people. Love each other. When someone screws up, tell them that. But also tell them how to improve and ask them why they think they screwed up and how to make their job easier.You’re a team. Be one.*Believe it or not, I’m not affiliated with Scrum in anyway. I’m not even a Scrum Master.—When I reflect on all the stupidity I’ve personally done and the startups I’ve been involved in, I realize that the only thing I ever followed up through and executed with absolute perfection, were the things that eventually ended up killing us: not telling a soul what our idea was. Talking to lawyers. Partnering with bad teams. Hiring out of weakness. Going to too many meetings. No decision making system. Not using Scrum. Hiring people out of fear. Hiding from reality.Mistakes are simple to make but hard to correct. They’re usually the first option that pops up. But as entrepreneurs we do thing because they’re hard, not because they’re easy.Hard choices take a long time to get right. It takes guts, intuition, experience and lots of luck. But never settle. Never accept your situation.Life can always be better.…..This was originally posted on the NY Observer and our blog on Penta.Follow me @lukaivicev or contact me directly at firstname.lastname@example.org.
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Is Temporary Disability taxable in NJ?Individuals who collect these benefits will receive a 1099 form directly from the Department of Labor and Workforce Development listing the taxable income and any withholding. Temporary Disability benefits and Unemployment Insurance benefits are not subject to the New Jersey state income tax.
What qualifies for short term disability in NJ?Employees are eligible for benefits if they have worked at least 20 calendar weeks, and earned at least $145 per week, in the year before filing a claim. Employees are also eligible if they earned at least $7,300 total in the year before filing a claim, no matter how many weeks they earned.
What qualifies you for short term disability?Eligibility Requirements In the states that provide for short-term disability, here are some general requirements that apply to all of the states. The worker must have worked a certain length of time before being eligible for benefits, 30 days to six months, depending on the state.
How long is short term disability in NJ?You can get benefits for up to 26 weeks. This means that even if your injury or illness lasts more than 26 weeks, your benefits will stop. However, if you suffer a new disabling medical condition and apply for TDI, the 26 weeks will start again.
How do I apply for temporary disability in NJ?Once you submit your application, you will get immediate confirmation that we received it. You can download, print, and fill out a signNow application (DS-1), and mail it to us at: Division of Temporary Disability Insurance, P.O. Box 387, Trenton, NJ 08625-0387, or fax it to 609-984-4138.