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Payoff.com is a social finance platform enabling communities to fulfill their individual and collective dreams. We launched public beta in January 2011 and have collected 1,000+ dreams, of which over 90% are related to money. Payoff helps people fund their dreams and signNow their goals, like saving for a house or vacation, adopting a child, paying off credit cards, and starting a business, in addition to connecting them with other people working towards the same things. The current product enables users to share their dreams, set up goals, link and track financial accounts, earn badges, and receive cash Sur-Prizes for progress. We provide tools from top-quality partners, as well as educational content to help move users to action and success. Ultimately, we provide a more intuitive way for users to understand how they are spending their life -- it’s not about the dollars, but it’s about the positive use of money, time, talent, and charity. We aim to own dreams and achievement on the web.  Payoff will create meaningful social connections and dialogue through dreams, goals, implicit communities based on personal transactions (the “real-life check-in”), and our partners.  In addition, our relevance and recommendation engine is guided by a Science Advisory Board, with leaders from Cal-Tech, USC, and Northwestern. We recognize that achievement and financial behavior, like most decisions, is driven by emotions, not budgets and lists, and we are signNowing people in this emotional space. One user told us, “I feel more encouragement from these badges than I think you will ever know.  I'm not the most emotional person but I have been so poor for most of my adult life trying to get through school that the day  [the] "STASH" badge was awarded to me I cried!” Payoff is founded by Scott Saunders (Walz Group, Inc 500) and Eden Warner (pre-revenue to profitability CFO at Fandango), along with folks from Yahoo! and SpotRunner. You can view a video about us at and contact us at scott@payoff.com. Also, check out what folks are saying: AOL WalletPop: http://www.walletpop.com/2011/01...Business Insider: http://www.businessinsider.com/p...U.S. News Money: http://money.usnews.com/money/bl...

Is it wrong to judge girls only based on looks in an arranged marriage set up —Everyone has his/ her own image or parameters or preferences for a life partner.Everyone seeks for some basic minimal lists of qualities in a prospective life partner regarding physical, emotional or intellectual aspect.In both love marriages or arranged marriages, there is a mysterious thing….. which cannot be explained by any amount of logic.That thing is the spark or chemistry or attraction.Either it is there or not.There are no fixed physical characteristics or parameters to feel it…… it's beyond reason that what clicks that spark….Although, it's a primal instinct but it is there …can’t be denied or forced by reasoning.So, it's not about judging the person…… it's all about specific individual requirements.So, as such the rejection has nothing to do with the other person…. it shouldn't be taken personally.It's no one's fault if rejection happens… rather it's a matter of individual choice .Someone may find a girl/ boy unattractive….. while someone may find her/him ( the same person) quite attractive.This is true for both genders.So, if someone rejects you, it has nothing to do with your self worth…. someday some other person would like you for being you…. just wait for the right person and the right moment!---Dr Shashi

Protocol buffers are a way to store data in an efficient manner.As an approximate analogy, I'll compare them to go boxes at a restaurant.Lets say you are running a restaurant that does catering.You have a variety of dishes, so you have containers that can hold upto the largest size of dish that you serve. This is great because it gives you can buy one container and stockpile it, and it gives you lots of flexibility.However, you realize there is a lot of variety in your menu, and many times the smaller make the larger containers wasteful and the larger boxes mean your catering van fills up quicker.So you get containers of varying sizes. Now you have the option to pick smaller containers for better packing when appropriate.Though what makes this work and what have you lost?Well, for one if you need to be intelligent around picking the right container for the right dish, and you have to try to find the smallest possible container that will fit to make the most of it.Also, if your van space isn't a constraint and the containers cost the same, so the tradeoff may or may not be worth it.Protocol buffers work in roughly the same way ( I'm omitting certain details for brevity, but that should give you the big picture ).

I would answer that using two words -”MOUKA” (Opportunities) and “THAPPA” (Seal of approval).But wait! There is more.Apart from obvious reasons of high-pay and opportunities, let me add a few more points, quoting examples of people who actually migrated from India.Who is he? - Venkatraman ramakrishnanWhat did he accomplish? - Awarded Nobel Prize in Chemistry for “studies of the structure and function of the ribosome.”What would he be doing had he stayed in India? - Would have probably become a researcher in a central institute, but would never have got his research funded “because he is a chemist and ribosome is a topic of biology.”Who is he? - V S NaipaulWhat did he accomplish? - Awarded Nobel Prize in literature.What would he be doing had he stayed in India? - Struggling to get his work published. Probably also being ridiculed behind the back for claiming that his works far far supersedes those of the Chetan Bhagat.Who is he? - Dr. Har Gobind Khorana:What did he accomplish? - Awarded Nobel Prize in medicine for “Interpretation of the genetic code and its function in protein synthesis”What would he be doing had he stayed in India? - Probably a professor in one of our universities, checking practical copies and complaining about “the system” for not giving sufficient funds for a project.Who is he? - Amartya SenWhat did he accomplish? - Awarded Nobel Prize in Economics for “his contributions to welfare economics.”What would he be doing had he stayed in India? - Would have made his parents proud for working in a “stable, well-paying government job” as an accountant in a bank.Who is he? - S ChandrasekharWhat did he accomplish? - Awarded Nobel Prize in Physics "For his theoretical studies of the physical processes of importance to the structure and evolution of the stars”What would he be doing had he stayed in India - A professor in a university, perhaps a popular one because he could not only solve each and every numerical but could tell exactly which book it was from, which chapter and even page number.In short, we don’t get the opportunities, the infrastructure and the flexibility in India as compared to west.I never mean any disrespect to any of the laureates or to my country, what I want to say is that there are perhaps hundreds of Amartya Sen and S Chandrasekhar out there, who are forced everyday to kill their dreams and get settled.Once you go to west, you can’t be pressurized to follow the beaten path.You are ENCOURAGED to look at things from a different perspective. And a “stable, secure life” is NOT encouraged. Risk takers are NOT frowned upon.But apart from the obvious I would put one more reason - RECOGNITION.Yes, at times that “THAPPA” from the west creates more impact than all your qualities, your dedication and your good nature put together, even to your closest ones.Remember this man?Of course you do.Did you know him before 2014 when he got that “THAPPA” of Nobel?Wasn’t he working already?Aren’t we supposed to know him because he lives among us ?WhyArre THAPPA yaar THAPPAPerhaps this is why “NRI Ladka” is such a fad among upper middle class fathers looking for bridegrooms for their daughters.Forget Mr. Satyarthi, do you know this man?Whenever I talk to someone about Swami Vivekananda, the first thing people mention is his Chicago Address.Seriously? Among all his contribution to philosophy, the only thing people find worthwhile is an address to Americans.I am sure it was phenomenal, but see, even Swami Vivekananda’s biggest accomplishment is his “THAPPA” from west.Forget even him, remember this man?One of the greatest man to walk on the Earth.Do you know that his methods were unique and he was the one who made our freedom struggle mass-based and not limited to elites.But do you know one of the reasons he was able to gain such a wide popularity in congress ranks, so soon after his return from Africa in 1915, was “his contribution and works in Africa.”I am sure Mahatma Gandhi would have been a great figure even without those credentials. He would have eventually achieved the respect and recognition he deserved.But even for him the “THAPPA” acted as a launch pad, even if it was not from west.Need I say more?Edit 1: BTW this was Saurabh Kumar RoyI am sure you will find my other answers insightful as well.Saurabh Kumar Roy's answer to Why is Narendra Modi making more foreign visits?

Leo Tolstoy's Anna Karenina Principle states, "Happy families are all alike, but every unhappy family is unhappy in its own way." He saw that unhappy families were each doomed by unique problems of their own making, while happy families were those who steered clear of such problems.The corporate world suffers from the reverse of the Anna Karenina Principle. Successful companies each seem to invent their own unique paths to success. But failing companies follow predictable death spirals that have been followed by many other companies preceding them.Often these "sinking ship" companies can seem to be doing just fine, especially to employees who don't have the experience to recognize the obvious signs. This is handy guide of what to look out for.If you work at a big company, look for:New opportunities are evaluated and shot down based on their impact to the old legacy businesses. (See The Innovator's Dilemma).Managers are paid for making quarterly and annual targets, so they avoid investments that pay off in the future since they detract from their bonus numbers. As the business declines, they simply negotiate lower bonus targets each year.You benchmark your performance against your direct, legacy competitors instead of the new disruptive entrants in your market. You think you are doing well vs. your competitors without being aware that you are competing in the equivalents of the Seniors Tour.Mediocre employees are not fired since their managers know they can't recruit better ones anyway.When asked "why do you like working here?" your employees talk about the dental plan.Your managers roll their eyes when you point out that how new technologies like Apple Watches, Twitter, and Amazon Web Services will impact your business. They call them "toys" and say, "our customers will never trust their businesses to those!"Your co-workers use Blackberries from 2009. They say, "I already know how to use it, and I don't need that distracting new stuff."You spend the first week of the quarter talking about long-term strategic planning. You then forget about it and spend the next twelve weeks scrambling to make the quarter.Instead of firing bad leaders, you create cross-functional committees to solve the problems those bad leaders created. When those problems persist, you disband the committees and bring in consultants to solve the problems the bad leaders (then the committees) created.All conversations about new grown end with reluctant middle management saying, "only if you give me more budget!" The budget never comes, and you all go back to what you were doing.You integrate acquired companies so quickly that you destroy their businesses and their best people leave.Or, instead of integrating the acquired companies, you keep them as independent business units and get no synergies. You integrate them in a hurry a year later during a cost-cutting exercise. The best people leave.Your CFO spends 5% of her time talking about innovation and revenue growth and 95% talking about cutting costs. She says, "that's my role here."The HR department thinks their job is administration, compliance, and keeping employees from suing, not ensuring the company wins in the market by having the best team.To pay $9.99 for an Evernote subscription, you need to wait a year for the "Information Technology Steering Committee" to approve Evernote as a vendor.You have a Chief Strategy Officer. People say, "I don't know what he does all day." He disappears and is not replaced.You don't target the best companies and try to hire their best people. Instead, you put three-page job descriptions on your website and wait for candidates to find them, fill out a form, and apply.People argue over offices. They all use the same excuse: "I'm on the phone a lot."You launch "innovation projects." When it looks like you'll miss earnings by a penny a share a few quarters later, those projects are cut. After those risky but innovative projects are cancelled, the people working on them are laid off, getting richly punished for their risk taking. No one ever signs up for an "innovation project" again."Succession planning" has become a euphemism for, "when the boss quits, just promote someone on her team so we don't need to pay for a search."You have five CEOs in five years. The board then announces the company is getting broken up and sold. They act like that was the plan all along, then lay off you and half of your co-workers.You ask your laid-off co-workers why they joined the company in the first place. Their answer: "job security."If you work at a startup:You never hear how much cash you have in the bank or hear what was discussed in the board meeting. When you ask questions, your executives say, "I need you to stay focused on your work."When you get your stock option offer, no one will tell you how many shares are outstanding or that the last round of funding came with a 5x liquidation preference.People never talk, coordinate, or even leave their desk because they "hate meeetings." (They actually hate each other).You "rehearse" for board meetings and spend a week on board meeting slideshows that are prettier than your customer slides.You have more MBAs on the team than engineers. They all do "business development" since sales is beneath them.You have a Chief Strategy Officer. No one knows what he does. He disappears one day and is not replaced.Your CTO just came out of a PhD program and wants to "commercialize his research."You have a raucous launch party that is attended by no customers, only your friends.When the product doesn't sell, you complain about how the customers "just don't get it" and aren't "visionary."You've fired three VPs of Sales because each one told you, "the customers don't want the product."Your CEO has a "great" customer meeting that he says is sure to lead to a closed deal before the quarter ends this Friday. All he needs to do is meet with procurement, negotiate price, win the deal, agrees on terms, write up up contracts, negotiate them, sign them, and invoice the customer. The deal closes 175 days later.You add features because board members want them. Your CEO calls himself a "visionary" in his bio.The CEO keeps everything secret because, "that is how Apple does it."The CEO approves all of the design decisions because, "that is how Apple does it."The technical co-founder is a bad manager so agrees to hire a VP of Engineering to replace him. He thinks that VP will report to him since he is the "visionary'".Your site is going to be ad-supported, and you have 1500 users.You get free lunch but have no customers.Your free lunch is taken away.Your boss renegotiates your salary and asks you, "how much do you really need to live on?"He offers you more stock options. He still doesn't tell you how many shares are outstanding.You get laid off and become a creditor to the company because they didn't reimburse your last five expense reports.The liquidation yields five Aeron chairs and a Nespresso machine, and Ashton Kutcher's stock is senior to yours.

I received a call from an HR of a reputed company. I was recovering from Typhoid and told her that I can’t make it on the scheduled date. She mailed me nevertheless asking me to confirm my presence for the interview. I politely replied to her reminding my inability to attend the interview given my physical condition. A few days later, another HR called me up and asked if I could attend the interview the next day. I confirmed that I would attend the interview next day and she sent me a mail asking me to confirm my attendance. I replied in positive and rang her up personally to request her to share the Job Description of the position. She gave me a rough idea of what the position was all about and she reiterated the fact that this has got no particular functional skills and it is a client facing role which means I should have good communication skills. I had nothing really to prepare for the interview. I went through the company details and was all set to go. Having had few bad experiences with interviews in the past, I didn’t pin hopes on this one. At least, I thought so! Boy! Whom was I kidding? I knew I had this job. I went to the avenue 30 mins prior and sat there. I was called in and the Manager asked me for my CV and wanted to know about me from myself the “traditional way”. Hardly 5 mins into the conversation, he turned my CV upside down, relaxed his shoulders and asked me a question that caught me off guard.Manager: ”What do your friends think of you, Priyanka?”I wanted to confirm what I heard and he repeated the question. I never gave my friends a feedback form to fill it up for me. But I knew that they all unanimously thought I was strong. I told him the same.Then comes the next question-“How do you define your life in one sentence”?This time I was spontaneous- “I live a life that doesn’t allow me to die as a loser”.Manager: So you are a fighter?Me: Yes, if that what takes me to survive in this world, I said.Now comes the important part of the conversation.Manager: “Your profile is strong and I see that your communication is your strength and you surely possess leadership skills. But am afraid you don’t have the functional skills”.Me: Wait. What? Do you have a functional skill required for this job?Manager: Yes. And am afraid we are looking for someone who has those skills readily available to put to use.Me: I understand.Manager: It was nice talking to you.Me: Pleasure is all mine. If you don’t mind, I have a question for you.Manager: Sure, go ahead.Me: Have you gone through the Job Description that is being circulated for this position?Manager: I am sure, I did.Me: I want you to have a look at it from my mobile and then let me know what are the functional skills that have been mentioned that I don’t possess.I could see the blood draining from his face. “Fighter, you are!” He said.He assured me that he would talk to his team. I walked away after forced pleasantries. I had to force myself into a cab before I could break down into tears. All through the way home, I was sobbing uncontrollably. I failed to get a job because of someone’s failure at their job. And I was at the receiving end. While I write this, I still wipe away the tears so that I can see my screen clearly and do not commit errors while writing.So if you look at this, for me it was a heartbreaking failure. How did I handle it? I cried my lungs out and am still crying my heart out. Does this solve the problem? No! Then what do I do? Accept the reality. The reality being I ended up with a failure for someone else’s mistake. What did I learn out of this? Nothing. Nothing? you may ask. I repeat, Nothing. What would I have to learn from someone else’s mess?Unfortunately, life is unpredictable and so are failures. Sometimes it's your fault and at times it isn't.

SSC CGL is a combined examinations for 30 posts. You must know what is the job profile and other aspects of each post. This is because, at the time of filling out the form, you need to fill your preference order for various posts. The idea is that you do not miss out on better posts in spite of good scores. Looking at the seriousness of this issue, I am giving you a detailed analysis with the SSC CGL 2016 post descriptions and preference order.You can check the detailed post about SSC CGL Post description and preference order.Hope this helps.

To give you an idea of the education, I, as an American, received a two-year residency and moved to Sweden to start a life there with my Swedish girlfriend. I joined the free SFI (Svenska for Invandare — umlauts removed because I am on a work computer and do not have access to Swedish or German keyboard). This roughly translates to Swedish for Immigrants.Within 3 months, I learned more Spanish than I had learned in two or three years in high school. You see, in the US, on a quiz, or exam, you are penalized 10 to 20 points for missing accents, hardly important and definitely a grading technique that will discourage a youth who does not have accents in English spelling.Anyway, how did they do that? Language must we started early, with brain fresh, and so did we. We had time to talk to each other. At the beginning, we students spoke a hodge podge of Croatian, other Balkan languages, Italian, Spanish and, of course, mostly English. With that social time and humor generated by an excellent language professo, we felt comfortable having fun and starting to pepper the languages we used with Swedish. So, we went from like 8am to noon, and had in total about 30min of breaks.A big lesson was word order in a sentence. We did not go crazy with grammar terminology, but enough to understand the basic complex Swedish sentence. Through time, I learned via Swedish more about why English is the way English is. Things that US grammar teachers in HS know nothing about. For example, if you study Swedish, you learn why we have double consonants in some words, but not in others. For example, why is “tuck” not “tuk”? “knife” not “nife”? Or “grass” not “gras”.We sang songs. This is critical to put word order or creole antique expressions that don’t have much linguistic logic into deep parts of the memory so you can pull them out of your mind when necessary in a real interaction, like when you buy train tickets at a loud busy metro station.Then there was the computer room. No wasted time signing in, giving credit card or ID. You just got to work. I remember two distinct training both required at first, but then you sort of became addicted and wanted to spend as much time as you could.The first was short stories that can be repeated as often as you want. It had interactions. The speakers spoke with different dialects, forcing you to catch the speed and the unique intonations. Next was role-playing with the computer’s voice. Thus, you couldnt go to next interaction until you sufficiently pronounced the phrase it asked you to pronounce. Brilliant and practical.The second was imagery. Flashing on the screen would be two pictures. Say a pic of a dog and a pic of a see-saw. Then you would see “Hund” and hear it pronounced and you just clicked on correct card. No judgement, no time waste.. I would trance into it and have fun. I would finish off with this exercise by 1pm, ready to go looking for a job.After a year of this training, you can enter college, technical school or university and start moving into your life. After this experience I realized what a crappy system we have in the United States. Why do I say this? My parents came as immigrants and took night time English classes.I speak 7 languages, well enough to conduct business in, and I can tell you, language must be taught in the morning, especially for older people who have children and responsibilities.I imagine Swedes have similar or better strategies for learning foreign languages. I am always amazed that so many young people know more about American music than many young Americans. And they also know how to make jokes with an American perspective. That is a VERY high level of competency, to understand humor in a foreign language.

It can be difficult to discern which resume items are most helpful to include when applying for a job. A resume should feature your professional and personal strengths in a comprehensive yet concise manner. The Wisconsin Job Center has a helpful and thorough guide to composing a resume. If you want to avoid unnecessary or unhelpful information while featuring the most relevant and useful aspects of your experience and qualifications, then this brief guide should set you one the right track.Job Experience:-The key is to highlight the positions that demonstrate a reliable history of employment in relevant areas.Educational Experience:-You will also want to include a list of your academic qualifications. List any degrees or certifications that you have earned, as well as the institutions from which you earned them.Special Skills and ExperienceIn this section you will want to include any specialized skills or experience you have acquired that qualify you for a position. This can include knowledge of computer programs, languages, certifications, internships, or any number of other items that demonstrate unique qualities and abilities.Personal QualitiesYou could include your interest in books, movies, sports, or simply some interesting personal facts. It is important not to weigh your resume down with too much of this sort of information. However, some select personal highlights make for valuable resume items.For More Information See :- Why Is Summary Important In Your Resume?

Decide the position title. The first thing that catches a candidate's eye when they are job hunting is the job title. ... Jot down responsibilities. ... Required qualifications. ... Highlight hierarchy structure. ... Include term of employment. ... Choose salary. ... Posting The Job Description: Preparing for posting.

They must assist the patient in the activities of daily living and provide basic routine care; such as assistance in eating, bathing, brushing teeth, giving medicine, changing dressing, checking a patient's temperature and pulse rate, and helping with artificial limbs or walking aids.

Home hEvalth care includes a wide range of hEvalth and social services delivered in your home to treat illness or injury. Services covered by Medicare's home hEvalth benefit include intermittent skilled nursing care, therapy, and care provided by a home hEvalth aide.

Hourly rates for home care vary by as much as 50% even in the same state or town. Nationwide in 2019, the average cost for non-medical home care is $21.00 per hour with the state averages ranging from $16.00 — $28.00 per hour.

You may have to pay for most long-term care services. You can get help from Medicare or Medicaid only in certain cases. Medicare will pay for: Short stays in a nursing home after a hospital stay and only if rehabilitation or skilled services are needed from a nurse or special therapist.