
Adjuster Retainer Form


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What is the best site for bank exam preparation?
Selecting the best site for bank exam preparation can be really tough. so many options are available in the market. Speed Test, Sectional tests, topic tests, mock test, etc are really important for the preparations. But the time you put in for those tests should be able to give you those fruits.I don’t mean to be offensive but the test quality and content at many site like career-power, test-book and Mahendras is not worth your time. All that I found Bad in their test series (I have been a victim)-No adhering to the pattern of the examQuestions too easy to solve. (I think this is kept to make students confident about their preparation, but trust me You gain nothing out of it)Questions repeated from first mock to the last. Same questions keep coming again and again in various mocks of same exam. This was the worst.No proper solutionsLots and lots of errors in the questionsCareer-power has so many users just because it is powered by bankersadda. People are tricked into buying it because of huge discounts. Similar is the case with the discounts at Mahendras. Even their Server isn’t working properly many times. But don’t play with your career for discounts.Try giving a free speed test, sectional test or mock at Oliveboard. Good things I found in Oliveboard test series-Up to Date pattern as it comes in various examsGood difficulty level of questions - as easy questions are freely available on the internetGood and elaborate solutions.Give a free mock at Online Practice & Preparation Platform (Oliveboard) and know for yourself.I hope it helps.All the best!
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Transgender: How long did it take you to get used to your name?
Names have always been a big deal to me. I started writing stories when I was six or seven (very simple stories at first, of course), but I was most drawn to characters and their names. I didn't just choose names at random, I choose names that felt right to me. Names with the right sounds and flavors were important to me.And as a part of this, my deadname never sounded right to me. Most folks called me by my last name (Zaring), or by a nickname (Dr Pingpong, Rabbi, Legs), or by my first two (at the time) initials (NM), or even just "Z." For my pen name and my stage name I used "NM Zaring." I often thought about what kind of name I'd use if I got to rename myself, and I had several options.So when I came out, I spent weeks working through the possibilities. Some of the possibilities included: Natalie, Natalia (and the various spellings), Nicole, Elise, Alyssa, and Alison. By the time I settled on Natahlia Lysse, I was certain it was the name for me. It felt right and had the sounds that were the most me.So the change became easy at that point. It took about a week before I had no issues writing my name. It took about a month before I no longer looked when someone called my deadname and about the same time before I didn't have a momentary pause before telling folks my name.Now (about 3 and a half years later), I answer to Natahlia, Tahlia, Alia, Lysse, and pay attention whenever someone says Natalie or Natasha. My boyfriend's sister is named Natalia, so I'm still getting used to hearing his parents say Natalia and not refer to me. So it wasn't as hard for me as for other folks, but I also had little to no association with my deadname.
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What is the hardest thing to get used to after moving to America?
Point of view by someone living in NYC for 3 years, coming from Europe (Living in Serbia, Austria and Bosnia).I am aware that NY is not good representation of the whole USA, but there might be some overlap in certain areas.It is easy to adjust to good things so transition was unnoticeable and I am not listing them here, but some habits and a way of thinking can be so much part of who you are that it could take years to make sense or to adjust.Sweets - everything has too much sugar or other sweetenersI have tasted some amazing cakes, sweets and cookies since coming to US. But my issue with all is that these taste too sweet. Everything has too much sugar for my taste (non-smoker). I never heard of High Fructose Corn Syrup because it is banned in Europe, but here you can find it even in some meat products. Artificial sweeteners are also in everything which raise different set of concerns.Workaround: NY has many shops with European goods and I shop some sweets there, but I still try everything else I can. I sometimes dilute juices with sparking water. I avoid HFCS and artificial sweeteners. I actually avoid "No Sugar" labeled products because it usually contains something else that I would rather avoid. There must be a reason I see more obese people than in any other country I have lived in or visited, despite the numbers showing NY is one of the least obese states.Coffee is a been teaAmericans coffee is technically coffee-bean tea. Hot water soaks the coffee grains and it drips, so it is technically a tea-like drink. Without 9 bar of pressure the real coffee flavor is not extracted. Being coffee lover I am always interested in trying different beans and brews but I have noticed that most of coffee prepared this way gives me coffee breath. Even American espresso (mispronounced 'expresso' here) is sour even in yelp rated 5-star coffee shops.Workaround: I bought espresso machine and I buy Italian espresso coffee. When I am out, I look for Italian coffee shops. Queues / Lines / Waiting for restaurants, deals…I find it strange and fascinating that people here don't mind waiting in queues. I find also that being early enough to catch Black Friday doorbuster deal takes more time than working the same amount of hours, even at minimal wage, to pay the original price. I have also tried showing early enough to see well 4th of July Fireworks 3 years ago but 2 hours was not early enough to see anything. Waiting to see ball drop in cold is even harder. Waiting for iPhone anyone? The silliest of all is waiting in queue for non-free food in front of a restaurant; waiting time for over 30 minutes in front of a restaurant for brunch eggs is just not for me. Since I am talking about food…Restaurant experienceMost restaurants have wooden chairs, some without a seat cushion; most have scratched plastic "glasses". I have never seen plastic glasses outside of some some cheap gas station restaurants in the middle of the highways in Europe. In a few places here they served drinks in a glass jar (was a marmalade before) so you have to seal the bottom lip on the thread to prevent spilling. Interior design in most restaurants (even $$$ yelp reviewed) is utilitarian and makes me feel I am overpaying for the food. Chairs are probably intentionally uncomfortable and made for shorter sitting and faster customer rollover. Some places have packed tables, 40cm from the next table so you can almost touch shoulders of the person on the next table.It is also hard to find a restaurant or coffee shop in NYC that has outdoor seating (row of tables next to busy street do not count). But, I can not even tell you how easy it was to adjust to dinning without cigarette smoke - the main atmospheric ingredient in restaurants and coffee shops all over Europe!Workaround: Look for empty restaurants, keep utensils in hands until you are done (despite of bon ton)People's mannersMore than 90% of people here chew loudly with their mouths open, talk with food in their mouths, which does not improve mentioned restaurant experience. Most never put their hand when yawning. Some clip their nails in the subway cars, play puzzle games with full sound...PizzaPizza is... just different. Compared to pizza in Europe, it is too greasy, or tomato base is wrong, or mushrooms are sauteed and not fresh baked. Someone here called it "lazy pizza" but for $1 you will not find pizza slice anywhere in Europe.Workaround: so far only VapianoFashionI know Seinfeld and Friends are still on TV here, but fashion did not change since those days. For me and other Europeans I talked to, we feel like traveling back to 90s, and I am the one who wears classic, nothing extravagant.Trousers below the butt - I have heard that the origin of this is US prison system and the lack of proper clothing sizing there, but I will never understand why free people choose to wear cloths like that. The store that adopts "Do you want a belt with that pants" will make fortune selling them.Footwear - I can not understand Flip-flops in winter and warm boots in the middle of summer. Looking and shoes of people in the subway I see that most of them wear very old, scuffed and torn shoes... or very dirty shoes. I have heard some wear those only on the way to work, and change there.Eyewear - Everybody wears huge eyeglasses, even prescription ones. I feel like being in the 50s. It might be fashionable today, but in 10 years it might look funny, the same way as we find parent's photos. Glasses are plastic and people here use Polycarbonate lenses which have the worst optical properties of all lenses types. Lenses in sale cost less than $1 each and they sell them at over $70 per lens.My workaround is to dress international classic. I get eyewear when I travel to Europe. Using Gas at homeAll apartments I rented had gas for cooking. This is less convenient than flat glass plate ranges or induction plates. Gas ranges are hardest of all to clean, it is fire hazard, suffocation hazard, gas also wastes too much heat and also energy needed to cool the apartment down again in summer. It also prevents me to legally install doors in the kitchen. I always wondered why in movies there is always someone breaking-in through back door in the kitchen, but I have learned that having gas in kitchen requires you to have outside doors. Not in Europe. Second day after moving to US I saw on the news that a family died from gas poisoning.Workaround: I will get an induction plate DrivingIt is also hard to adjust to American "The right of way" on intersections. It is wild west here. The first one on intersection has to go first since most intersections have “STOP / All way” sign. I have never seen before an intersections with STOP sign on all 4 sides of intersection; what is the point?! While waiting for a bus near intersection I daily hear car horns because there is always an misunderstanding who was the first on the intersections. Europe has much more efficient system than USA's "first come first served". If there are no signs, the one on your right goes first.That is why most of the time I heard of fatalities on European roads there was someone from USA involved.I thought Bosnia had bad roads but it turned out that USA is worse with potholes everywhere.People here are making U-Turns in the middle of the road over the double yellow line all the time?!Workaround: Since I live in NY I don't need a car; When renting, get an SUV just in case; Wait for self-driving cars.AM/PM time systemOver 4 years here I never got used to start the day at 12AM. Counting like 12 1 2 3 4 5 6 7 8 9 10 11AM 12PM 1 2 3 4 5 6 7 8 9 10 11 does not make much sense. After 11AM comes 12PM and then 1PM! Even flights are scheduled at 12:01 to prevent confusion. Isn't it easier to start the day at 0:00 hour and end it at 23:59?!Workaround: All my clocks are back to 24H system after failing to find the reason to switch to a worse system. "This week" starting at Sunday If English word for "Saturday + Sunday" is WeekEND, so why does a new week start in the middle of the weekend?Imperial system of measurement andillogical dates systemUS is one of only 3 countries in the whole world that uses Imperial system Map of countries officially not using the metric system (the other two are very small)US also has weird MDY (Month/Day/Year) system while the rest of the word uses either YMD or DMY sorting, having time-scales in proper order.Workaround: I still use international - SI system. Get a tiny 2m measurement tape and attach it to your keychain. There is also tiny one for weight. Metric is legal measurement system in US so no one can refuse a service to you if order something metric. NY is at least full of immigrants and most know metric. Most US children learned metric system in schools last decades, so you can expect more educated people will know what you are talking about. Everyone interested in science knows metric and this is the conversation we should be striving for.Separating decimals with “.” and thousands groups with “,”. The International SI system has spaces for thousand groups and most of the world uses comma from decimal places: 1 234 567,50 Decimal mark - Wikipedia TV adsFeaturing sick but happy people. There is almost a full minute of listing all the horrible side effects the drug produces. Nocebo anyone?There are also car commercials with super-weak selling points "Wifi in a car, that's a dream"; "Incredible 35 Miles per gallon" (Used to drive 2004 Peugeot 307HDI (French Car) that could go 67mpg (3.5l/100Km)) so that sounds silly to me.Other ads also makes you feel ashamed for the actor just by watching. Some insult your intelligence. Remember Mac vs PC ads?! Macs are not Personal Computers and other false points?A company ranting on competitors in a TV ad... I have not seen that anywhere else.In every country the TV ads are annoying in general but here it seem ad blocks are much longer and more more frequent.Workaround: Mute or just watch PBS (until they start 30min block on donations); get Netflix/Hulu/Google Play Paying this money for health insuranceWars cost several times more than it would to give everyone free health insurance. If most of the world has it, US should also be able to afford it.TaxesAbout 30% of income goes for taxes! That means that I am working September, October, November and December of every year only to pay taxes! I am not sure what do I get in return? I feel bad that I am supporting wars that kill so many people. I am giving portion to public school system and I am OK with that, but that is only 1 day of the year (so high is the percentage that goes to education). I do not see public infrastructure is getting a share of my taxes as everything is so old. I guess most or my taxes goes to the biggest incarceration system in the world, as the US is the country with highest jailed population percentage in the world.Workaround: None. Shut up. Commuting timeIt takes me 1.5h to work (roundtrip) which sometimes totals 2.5h and I am one of the lucky ones. That would have seemed insane from my old point of view.Workaround: I download TED talks and watch them in subway on a tablet; I listen audiobooks a lot, and I have developed One Commander File Manager in the subway on the way to and from work, so I do not see it as waste of time any more.I am waiting for VR technology and HoloLens so we can all work in our Virtual Reality offices and move anywhere I want and off-grid. Amazon can deliver our groceries with drones.Apartment insulationComing from socialist architecture apartments where walls are thick solid concrete it is hard to adjust to hearing neighbors talking in the next apartment or walking above me. I am glad we have good neighbors so I have never hear TV/Music noise.Washing Machines and hygiene lower than in 3rd worldMany building do not allow washing machines in apartments. I have heard that power installations are not built for that load, or it is about noise the machines make, I am not sure. Even in Bosnia every home has washing machine so to me every laundry day I feel like being in a 3rd-world-country. I have to take my laundry outside and wash it in a machine that does not even support 90°C temperature, in the same washing machine with people who do not care about hygiene as much as I do. I do not want dog/cat hair on my clothing, plus those machines are full of Staphylococcus, E.Coli and other disease causing bacteria and even high temperature setting is not high enough.Air-conditioning on the maxOffices, malls, subway cars, shops… temperature is extremely low. I guess it is made for people wearing full suits with jackets.Workaround: When I enter a clothing store I grab a first jacket I see and wear it until I finish shopping. Don’t forget to take it off before leaving the store.Air Conditioning (at home)In Europe all home air-conditioning units are two-part so outdoor part is actually outdoors and you don't hear it at all. Indoor part of the unit is mounted somewhere high on the wall and since warm air rises, it actually cools more efficiently, plus does not create draft, does not block window light, and also lets you open the window. I know it is possible buy it similar models here but it is harder to get coop's permission to drill wall and mount outdoor unit. I have not seen an outdoor unit in NYC yet.Trump is the presidentSo almost 50% of people voted him, interesting. That is the hardest thing to understand....Some things you don't even notice until you are in a bad mood. I know some of these things are not reflect the whole US. Seeing something in NYC can not be even generalized for the whole NYC, not to mention US. Every second street in NYC has a different culture. Someone said it is the collection of "the best and the worst from the whole world". I have adjusted to most of these things or have a workaround. There are still many things that are better in US and which you notice only when you go back to visit "the old world".If you reply on a certain point above, please do it with strong arguments if you have a position to defend.Q: Why are you still in US?It also has many positive sides, and the list is longer than this one. Pros outweighs Cons.
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What are the best productivity hacks of startup CEOs?
I’m CEO of two startups. I know. The first productivity tip is to only be CEO of one company. But one of my companies was a happy accident that became one of the fastest growing photography websites. The other has yearly revenues in the millions and has grown an average of 300% year-over-year.To work on these fast-growing companies while enjoying other parts of my life, I’ve had no choice but to figure out how to be as productive as possible.Being a productive CEO is not any different than being productive at anything in life. It comes down to how well you manage the small choices you make every day.Do you watch Netflix or do you go to sleep? Do you go to the networking event or do you write that sales email? Do you take that coffee meeting or do you work on your investor presentation? Everything you do has an opportunity cost.Being a productive CEO is not about putting in the time. It’s about putting time in the right places.Your level of productivity is one of the best ways you can push your startup toward success. Startups are defined by growth. And growth is measured by a metric (usually Revenue/Users) over time. If you can manipulate time (i.e. do something better and faster) you create an opportunity to build a successful startup. By managing your time well, you may fit in that extra product experiment that unlocks more revenue. You may get a few more days to think of that marketing strategy that gets you signNow exposure.As a CEO, you have your hand in everything from sales to marketing to product to hiring to fundraising. There’s way too much going on for you to put your attention everywhere at once. You have a limited number of decision-making points in a day.This is why Mark Zuckerberg wears the same shirt every day."I really want to clear my life so that I have to make as few decisions as possible about anything except how to best serve this community,” Zuckerberg said.Deciding what to wear is a waste of time compared to deciding how Facebook will impact the billions of people who use it.Great CEOs like Zuckerberg focus on what will have the biggest impact. And remove everything else.Maintaining good physical and mental health is also part of it. If you’re in pain, you can’t focus on being your best. If you have a back injury for example, that will probably make you less productive because you’ll be thinking about that pain rather than your work.I’ve been a CEO for four years. And I’ve experimented with many different ways to improve my productivity. Here’s the list of things I do now. Hopefully, there’s some ideas here that might be useful for you.1. Remove the noise.Turn off your phone/computer notifications. Though many things seem urgent, they hardly ever are. Most things can wait a couple hours. Notifications are poison for your attention. Turning off notifications allows you to focus. We can’t multitask. You might feel like you can but what’s really happening is your brain is switching between tasks. Shutting down and restarting every time. Switching is inefficient.Write everything down. I aim to keep my brain as empty as possible. I don’t try to remember anything. It’s harder to focus on one thing when you have thoughts, ideas, or tasks swirling in your head. Whenever I have an idea, I drop it the Notes app on my phone and forget about it.Automate anything you repeat. If you think you need to repeat something, write it down. We use the project management app Trello to document everything. We create step-by-step processes to automate tasks like setting up passwords to booking flights to marketing a new feature. Don’t waste brain power repeating things. Write it down once. Forget it forever.Use fewer tools. Figuring out a new tool or switching tools takes time. You don’t need ten tools. Pick a few good tools that could be used for many things. Our company picks flexible tools we expect to stick around. If you bet on a ‘hot’ tool just because it’s hot and you have to switch later, that’ll cost you. 90% of my day happens in 4 places: Google Chrome, TextEdit, Trello, Google Docs.2. Focus.Chunk your tasks. As a CEO you need to do and give input on a lot of things. To reduce the inefficiency of constantly switching between tasks, I set aside blocks of time to do similar tasks. I create repeating events in my calendar and block out time between 1–3 hours depending on the task. For example, I check our team messaging app Slack twice a day. The rest of the day I quit Slack. I also bulk all my meetings together in the afternoons. Chunking tasks together helps keep your brain focused so you you can do better work in less time.Do focused work. Not all hours are created equal. Just because you work more hours, doesn’t mean you’re doing more (or better) work. When we try to multitask, we might feel like we’re getting more done but as research shows, we actually do less and make more mistakes. One hour of focused work with no distractions is more valuable than three hours of interrupted work. When you’re working on one thing, close your browser tabs and turn your phone on Airplane Mode. Put everything away except the one thing you’re focused on. Sometimes I even work from my phone because it forces me to only see one screen at a time.Remove the chance for interruption. It was hard when I first started working with extreme focus. I’d put my headphones on and ignore people if they spoke to me. I felt like I was being rude. Because I was thinking about my rudeness, my mind didn’t focus on my work. I realized one of the mistakes I made was not telling people how I was working. Taking the time to tell people how you’re working is much better than snapping or ignoring people if they ask you for something while you’re in focus mode. Both of these only lead to more stress which ultimately hurts your focus. If you have kids and it’s hard to remove interruptions, try adding a work session when they’re asleep early in the morning or late at night. Here’s an example of what I send my wife before I go into a focused work session:Start your day with quick wins. Sometimes you wake up and don’t want to work. That first task on your list looks hard or you feel tired. One way to overcome this is to start your day with a couple easier tasks to get your momentum going. By simply opening my computer and doing something easy like cleaning off screenshots from my desktop switches my brain into work mode.Win your morning. Our biological clock makes most of us feel most alert in the morning. Even if you don’t wake up early, it feels good to start the day with the most important task. To find your most important task, think about yourself at the end of the day. If you only got one thing done, what task would make you feel most accomplished at the end of the day? Start your day with that.Constrain the time you work. I work in 1–1.5 hours sessions with untimed breaks in between. When researchers at Florida State University looked at elite performers, they found the best performers practiced in uninterrupted, 90-minute sessions and rarely worked more than four and a half hours in a day. I can feel my energy level and focus dip as I get to the end of an hour of focused work. Constraining the time you work helps you stay focused. I used to set aside full days for focused work. The problem was because I had all day, I would relax. This often led to procrastination. Now I use a timer to clock my 1–1.5 hour work sessions. If you feel like you have lots of time to do something, you’ll find ways to fill that time. Often by doing easier, less important things. By shortening the time frame, you’re forced to focus.3. Maintain good health.You don’t have to workout every day. Just move. Though our bodies crave movement, you don’t need a huge workout to get the level of exercise you need to be healthy. National Geographic researcher Dan Buettner studied areas of the world where people are living the longest. One thing he consistently found was the impact of constant, low intensity exercise, either from walking, standing up and sitting down, or tending to a garden. Staying in any one position for too long causes our blood circulation to drop. Moving gives you a moment to refresh. Whether it’s walking to your office, taking the time to stretch while you’re microwaving your lunch, or playing a sport, any type of blood flow acts as a release. It’s an opportunity to refresh your brain.Hang out with someone who makes you happy every day. People who make us happy make us feel good. If we feel good, we do better work. No matter how much I have going on, I prioritize my family. It makes me happy. When I get back to work, I feel fresher.Make it easy to eat healthy. Eating well can help you work more efficiently. The challenge is preparing and eating well can take up 2–3 hours a day. That’s a big chunk of time. The trick is to figure out how to eat well without all the prep. Most meals I make take less than 15 minutes to make. I usually make 2 eggs in the morning with an avocado and salads for lunch and dinner along with a protein source like fish. I order the same things from the grocery store so I don’t think about what I should cook. This is my list of zero-prep snacks: Dry Roasted Edamame, Nonfat Greek Yogurt, carrots, and easy open cans of tuna. If you enjoy taking the time to cook, go for it. I do it sometimes. The feel-good release can be a good break to fuel your work later. But if you don’t have time, make it easy to eat well.Use music to boost energy. Spotify conducted research on the benefits of certain types of music. Researchers found that musical tempo in the range of 50-80 beats per minute can help induce the alpha state in your brain, where your mind becomes calm, alert, and concentration is heightened. If I’m about to do a repetitive task, like answering email, I listen to my favorite songs to get my energy up. If I need to do a complex task that requires focus, I listen to songs without lyrics to help me get and stay in a state of flow. Music can have a signNow impact on your mood and thus, impact your work efficiency.This list of tips might make it seem like becoming productive means turning yourself into a boring robot. But that’s the trick.If you see the day-to-day of most top performers - athletes, authors, CEOs, etc. - it looks boring. But that’s the ultimate productivity hack.Remove the unnecessary. Automate decisions. Maintain good health.It may seem boring but boring is how you clear space to do your best work.
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What are some little-known facts a traveler to London should know?
Get an Oyster Card - the buses no longer accept cash.In a few weeks, contactless credit/debit cards will be charged the same fares as an Oyster card anyway.London is VERY walkable. The Tube Map is not at all indicative of distance. There are little map/direction-pillars all over the place in central London which are great for finding your way around. And people are helpful - just ask! There are other restaurants and coffee shops than Starbucks and Pret. Seek out the local flavours! Please stand on the RIGHT of the escalators on the underground. The left is for busy commuters - and you'll probably get people being grumpy with you if you block them off.At any decent restaurant it's polite to tip %1o - but increasingly service charge is pre-added to your bill, so check it carefully to make sure you don't pay twice. It will rain. Whatever time of year it is. Want to get a cab? Make sure it's a licensed, black cab - they'll be fair, know where they're going and are an important part of London's history! Don't bother with those rickshaw things, they're a menace.Avoid cliches. Want indian food? You don't have to go to Bricklane - try Whitechapel or Soho. Want to see the sights? Don't bother getting a tour bus - try something modern and inexpensive like walking street-art tours of Shoreditch.Visit Regent's Park! It's more beautiful, more accessible and less crowded than Hyde Park.Need wi-fi? Most coffee shops (and all McDonalds, although McDonalds is clearly evil) will have it, but the nicest coffee shops won't because they're independent and don't have the space for people to stay there all day with one coffee.Boris bikes are inexpensive and widely available - but think twice about your route and whether you're comfortable cycling in what is a very un-cycle friendly city..! At weekends be very careful of tube delays - check the TFL website or use Citymapper app.British people aren't unfriendly! We just respect privacy. Try talking to us and we'll be very happy to talk back :)
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How can I become a data scientist?
Here are some amazing and completely free resources online that you can use to teach yourself data science.Besides this page, I would highly recommend the Official Quora Data Science FAQ as your comprehensive guide to data science! It includes resources similar to this one, as well as advice on preparing for data science interviews. Additionally, follow the Quora Data Science topic if you haven't already to get updates on new questions and answers!Step 1. Fulfill your prerequisitesBefore you begin, you need Multivariable Calculus, Linear Algebra, and Python. If your math background is up to multivariable calculus and linear algebra, you'll have enough background to understand almost all of the probability / statistics / machine learning for the job.Multivariate Calculus: What are the best resources for mastering multivariable calculus?Numerical Linear Algebra / Computational Linear Algebra / Matrix Algebra: Linear Algebra, Introduction to Linear Models and Matrix Algebra. Avoid linear algebra classes that are too theoretical, you need a linear algebra class that works with real matrices.Multivariate calculus is useful for some parts of machine learning and a lot of probability. Linear / Matrix algebra is absolutely necessary for a lot of concepts in machine learning.You also need some programming background to begin, preferably in Python. Most other things on this guide can be learned on the job (like random forests, pandas, A/B testing), but you can't get away without knowing how to program!Python is the most important language for a data scientist to learn. To learn to code, more about Python, and why Python is so important, check outHow do I learn to code?How do I learn Python?Why is Python a language of choice for data scientists?Is Python the most important programming language to learn for aspiring data scientists and data miners?R is the second most important language for a data scientist to learn. I’m saying this as someone with a statistics background and who went through undergrad mainly only using R. While R is powerful for dedicated statistical tasks, Python is more versatile as it will connect you more to production-level work.If you're currently in school, take statistics and computer science classes. Check out What classes should I take if I want to become a data scientist?Step 2. Plug Yourself Into the CommunityCheck out Meetup to find some that interest you! Attend an interesting talk, learn about data science live, and meet data scientists and other aspirational data scientists. Start reading data science blogs and following influential data scientists:What are the best, insightful blogs about data, including how businesses are using data?What is your source of machine learning and data science news? Why?What are some best data science accounts to follow on Twitter, Facebook, G+, and LinkedIn?What are the best Twitter accounts about data?Step 3. Setup and Learn to use your toolsPythonInstall Python, iPython, and related libraries (guide)How do I learn Python?RInstall R and RStudio (It's good to know both Python and R)Learn R with swirlSublime TextInstall Sublime TextWhat's the best way to learn to use Sublime Text?SQLHow do I learn SQL? What are some good online resources, like websites, blogs, or videos? (You can practice it using the sqlite package in Python)Step 4. Learn Probability and StatisticsBe sure to go through a course that involves heavy application in R or Python. Knowing probability and statistics will only really be helpful if you can implement what you learn.Python Application: Think Stats (free pdf) (Python focus)R Applications: An Introduction to Statistical Learning (free pdf)(MOOC) (R focus)Print out a copy of Probability CheatsheetStep 5. Complete Harvard's Data Science CourseAs of Fall 2015, the course is currently in its third year and strives to be as applicable and helpful as possible for students who are interested in becoming data scientists. An example of how is this happening is the introduction of Spark and SQL starting this year.I'd recommend doing the labs and lectures from 2015 and the homeworks from 2013 (2015 homeworks are not available to the public, and the 2014 homeworks are written under a different instructor than the original instructors).This course is developed in part by a fellow Quora user, Professor Joe Blitzstein. Here are all of the materials!Intro to the classWhat is it like to design a data science class? In particular, what was it like to design Harvard's new data science class, taught by professors Joe Blitzstein and Hanspeter Pfister?What is it like to take CS 109/Statistics 121 (Data Science) at Harvard?Course MaterialsClass main page: CS109 Data ScienceLectures, Slides, and Labs: Class MaterialAssignmentsIntro to Python, Numpy, Matplotlib (Homework 0) (Solutions)Poll Aggregation, Web Scraping, Plotting, Model Evaluation, and Forecasting (Homework 1) (Solutions)Data Prediction, Manipulation, and Evaluation (Homework 2) (Solutions)Predictive Modeling, Model Calibration, Sentiment Analysis (Homework 3) (Solutions)Recommendation Engines, Using Mapreduce (Homework 4) (Solutions)Network Visualization and Analysis (Homework 5) (Solutions)Labs(these are the 2013 labs. For the 2015 labs, check out Class Material)Lab 2: Web ScrapingLab 3: EDA, Pandas, MatplotlibLab 4: Scikit-Learn, Regression, PCALab 5: Bias, Variance, Cross-ValidationLab 6: Bayes, Linear Regression, and Metropolis SamplingLab 7: Gibbs SamplingLab 8: MapReduceLab 9: NetworksLab 10: Support Vector MachinesStep 6. Do all of Kaggle's Getting Started and Playground CompetitionsI would NOT recommend doing any of the prize-money competitions. They usually have datasets that are too large, complicated, or annoying, and are not good for learning. The competitions are available at Competitions | KaggleStart by learning scikit-learn, playing around, reading through tutorials and forums on the competitions that you’re doing. Next, play around some more and check out the tutorials for Titanic: Machine Learning from Disaster for a binary classification task (with categorical variables, missing values, etc.)Afterwards, try some multi-class classification with Forest Cover Type Prediction. Now, try a regression task House Prices: Advanced Regression Techniques. Try out some natural language processing with Quora Question Pairs | Kaggle. Finally, try out any of the other knowledge-based competitions that interest you!Step 7. Learn Some Data Science ElectivesData science is an incredibly large and interdisciplinary field, and different jobs will require different skillsets. Here are some of the more common ones:Product Metrics will teach you about what companies track, what metrics they find important, and how companies measure their success: The 27 Metrics in Pinterest’s Internal Growth DashboardMachine Learning How do I learn machine learning? This is an extremely rich area with massive amounts of potential, and likely the “sexiest” area of data science today. Andrew Ng's Machine Learning course on Coursera is one of the most popular MOOCs, and a great way to start! Andrew Ng's Machine Learning MOOCA/B Testing is incredibly important to help inform product decisions for consumer applications. Learn more about A/B testing here: How do I learn about A/B testing?Visualization - I would recommend picking up ggplot2 in R to make simple yet beautiful graphics and just browsing DataIsBeautiful • /r/dataisbeautiful and FlowingData for ideas and inspiration.User Behavior - This set of blogs posts looks useful and interesting - This Explains Everything " User BehaviorFeature Engineering - Check out What are some best practices in Feature Engineering? and this great example: http://nbviewer.ipython.org/gith...Big Data Technologies - These are tools and frameworks developed specifically to deal with massive amounts of data. How do I learn big data technologies?Optimization will help you with understanding statistics and machine learning: Convex Optimization - Boyd and VandenbergheNatural Language Processing - This is the practice of turning text data into numerical data whilst still preserving the "meaning". Learning this will let you analyze new, exciting forms of data. How do I learn Natural Language Processing (NLP)?Time Series Analysis - How do I learn about time series analysis?Step 8. Do a Capstone Product / Side ProjectUse your new data science and software engineering skills to build something that will make other people say wow! This can be a website, new way of looking at a dataset, cool visualization, or anything!What are some good toy problems (can be done over a weekend by a single coder) in data science? I'm studying machine learning and statistics, and looking for something socially relevant using publicly available datasets/APIs.How can I start building a recommendation engine? Where can I find an interesting data set? What tools/technologies/algorithms are best to build the engine with? How do I check the effectiveness of recommendations?What are some ideas for a quick weekend Python project? I am looking to gain some experience.What is a good measure of the influence of a Twitter user?Where can I find large datasets open to the public?What are some good algorithms for a prioritized inbox?What are some good data science projects?Create public github repositories, make a blog, and post your work, side projects, Kaggle solutions, insights, and thoughts! This helps you gain visibility, build a portfolio for your resume, and connect with other people working on the same tasks.Step 9. Get a Data Science Internship or JobHow do I prepare for a data scientist interview?How should I prepare for statistics questions for a data science interviewWhat kind of A/B testing questions should I expect in a data scientist interview and how should I prepare for such questions?What companies have data science internships for undergraduates?What are some tips to choose whether I want to apply for a Data Science or Software Engineering internship?When is the best time to apply for data science summer internships?Check out The Official Quora Data Science FAQ for more discussion on internships, jobs, and data science interview processes! The data science FAQ also links to more specific versions of this question, like How do I become a data scientist without a PhD? or the counterpart, How do I become a data scientist as a PhD student?Step 10. Share your Wisdom Back with the Data Science CommunityIf you’ve made it this far, congratulations on becoming a data scientist! I’d encourage you to share your knowledge and what you’ve learned back with the data science community. Data Science as a nascent field depends on knowledge-sharing!Think like a Data ScientistIn addition to the concrete steps I listed above to develop the skill set of a data scientist, I include seven challenges below so you can learn to think like a data scientist and develop the right attitude to become one.(1) Satiate your curiosity through dataAs a data scientist you write your own questions and answers. Data scientists are naturally curious about the data that they're looking at, and are creative with ways to approach and solve whatever problem needs to be solved.Much of data science is not the analysis itself, but discovering an interesting question and figuring out how to answer it.Here are two great examples:Hilary: the most poisoned baby name in US historyA Look at Fire Response DataChallenge: Think of a problem or topic you're interested in and answer it with data!(2) Read news with a skeptical eyeMuch of the contribution of a data scientist (and why it's really hard to replace a data scientist with a machine), is that a data scientist will tell you what's important and what's spurious. This persistent skepticism is healthy in all sciences, and is especially necessarily in a fast-paced environment where it's too easy to let a spurious result be misinterpreted.You can adopt this mindset yourself by reading news with a critical eye. Many news articles have inherently flawed main premises. Try these two articles. Sample answers are available in the comments.Easier: You Love Your iPhone. Literally.Harder: Who predicted Russia’s military intervention?Challenge: Do this every day when you encounter a news article. Comment on the article and point out the flaws.(3) See data as a tool to improve consumer productsVisit a consumer internet product (probably that you know doesn't do extensive A/B testing already), and then think about their main funnel. Do they have a checkout funnel? Do they have a signup funnel? Do they have a virility mechanism? Do they have an engagement funnel?Go through the funnel multiple times and hypothesize about different ways it could do better to increase a core metric (conversion rate, shares, signups, etc.). Design an experiment to verify if your suggested change can actually change the core metric.Challenge: Share it with the feedback email for the consumer internet site!(4) Think like a BayesianTo think like a Bayesian, avoid the Base rate fallacy. This means to form new beliefs you must incorporate both newly observed information AND prior information formed through intuition and experience.Checking your dashboard, user engagement numbers are signNowly down today. Which of the following is most likely?1. Users are suddenly less engaged2. Feature of site broke3. Logging feature brokeEven though explanation #1 completely explains the drop, #2 and #3 should be more likely because they have a much higher prior probability.You're in senior management at Tesla, and five of Tesla's Model S's have caught fire in the last five months. Which is more likely?1. Manufacturing quality has decreased and Teslas should now be deemed unsafe.2. Safety has not changed and fires in Tesla Model S's are still much rarer than their counterparts in gasoline cars.While #1 is an easy explanation (and great for media coverage), your prior should be strong on #2 because of your regular quality testing. However, you should still be seeking information that can update your beliefs on #1 versus #2 (and still find ways to improve safety). Question for thought: what information should you seek?Challenge: Identify the last time you committed the Base Rate Fallacy. Avoid committing the fallacy from now on.(5) Know the limitations of your tools“Knowledge is knowing that a tomato is a fruit, wisdom is not putting it in a fruit salad.” - Miles KingtonKnowledge is knowing how to perform a ordinary linear regression, wisdom is realizing how rare it applies cleanly in practice.Knowledge is knowing five different variations of K-means clustering, wisdom is realizing how rarely actual data can be cleanly clustered, and how poorly K-means clustering can work with too many features.Knowledge is knowing a vast range of sophisticated techniques, but wisdom is being able to choose the one that will provide the most amount of impact for the company in a reasonable amount of time.You may develop a vast range of tools while you go through your Coursera or EdX courses, but your toolbox is not useful until you know which tools to use.Challenge: Apply several tools to a real dataset and discover the tradeoffs and limitations of each tools. Which tools worked best, and can you figure out why?(6) Teach a complicated conceptHow does Richard Feynman distinguish which concepts he understands and which concepts he doesn't?Feynman was a truly great teacher. He prided himself on being able to devise ways to explain even the most profound ideas to beginning students. Once, I said to him, "Dick, explain to me, so that I can understand it, why spin one-half particles obey Fermi-Dirac statistics." Sizing up his audience perfectly, Feynman said, "I'll prepare a freshman lecture on it." But he came back a few days later to say, "I couldn't do it. I couldn't reduce it to the freshman level. That means we don't really understand it." - David L. Goodstein, Feynman's Lost Lecture: The Motion of Planets Around the SunWhat distinguished Richard Feynman was his ability to distill complex concepts into comprehendible ideas. Similarly, what distinguishes top data scientists is their ability to cogently share their ideas and explain their analyses.Check out https://www.quora.com/Edwin-Chen... for examples of cogently-explained technical concepts.Challenge: Teach a technical concept to a friend or on a public forum, like Quora or YouTube.(7) Convince others about what's importantPerhaps even more important than a data scientist's ability to explain their analysis is their ability to communicate the value and potential impact of the actionable insights.Certain tasks of data science will be commoditized as data science tools become better and better. New tools will make obsolete certain tasks such as writing dashboards, unnecessary data wrangling, and even specific kinds of predictive modeling.However, the need for a data scientist to extract out and communicate what's important will never be made obsolete. With increasing amounts of data and potential insights, companies will always need data scientists (or people in data science-like roles), to triage all that can be done and prioritize tasks based on impact.The data scientist's role in the company is the serve as the ambassador between the data and the company. The success of a data scientist is measured by how well he/she can tell a story and make an impact. Every other skill is amplified by this ability.Challenge: Tell a story with statistics. Communicate the important findings in a dataset. Make a convincing presentation that your audience cares about.Good luck and best wishes on your journey to becoming a data scientist! For more resources check out Quora’s official Quora Data Science FAQ
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What is the best evidence that Donald Trump did not actually want to win the presidential election?
The visible evidence was his demeanor when he won. He didn’t look triumphant and energized. He looked shell-shocked and overwhelmed. He wasn’t properly prepared to take over government. He took a long time to fill in vacancies and many are still waiting to be filled. His personality is so ill-suited for the office. He can’t take no for an answer, so the best and brightest candidates either refused to work with him, or they lasted until the point they told him no.He never understood how alliances worked, trying to ram through everything through his one-to-one way of viewing things. This is part of why he criticized NATO so harshly and withdrew from most partnerships that include more than one ally. He believes that he can get a “better deal” by talking to each country individually, and that’s not how negotiating at a government level works.He expects the position of POTUS and our government to adjust to his way of doing things rather than the opposite, which is quite delusional and dangerous. This is why he criticizes his own intelligence apparatus while standing next to our biggest enemy (Putin). This is why he attacks the press (who keeps him honest) and the judiciary (who also keeps him honest).Being POTUS requires continual adjustment and an intelligent person who can be flexible to changing circumstances. At the very least, you need a person who knows how to rely on his staff and experts (George W.).Trump is most concerned with “wins”, which means he will always settle for failure if he can spin it to his 30% as a win. He will never make sure we are getting the best deal, because he is too concerned with his public image and how the press is portraying him. He can’t control this which is why he hates the press and spends more time attacking them than anything else.The truth is if he was given an “out” without losing face, he would take it in a minute. He is miserable, isolating himself in the WH. He has very few honest folks who will tell him the truth. He has spent more time out the WH than probably any President in modern history. He wants his old life. That’s why he is always at Mar-a-Lago or on one of his properties. He has embarrassed Melania in a very public sort of way and obligated her to stand by him because he has no one else.His children are Democrats and he has bedded with Republicans. His son-in-law is Jewish yet Donald defends white supremacists (“very fine people”). He is not fit for the office, and his own staff know this more than anyone.This is why the Mueller investigation is taking so long. Not because it’s a witch hunt but because there is so much to investigate. He was tainted the moment he entered the race and now he has imposed his utter lack of morals and competency on the American people.There will always be folks who vote for horrible people like Trump. The saddest part are the folks who, for some inexplicable reason, didn’t bother to educate themselves on who Trump was, before blindly deciding to vote for someone who would “shake things up”. They ignored the mountains of evidence that forebode where we are now. Incredibly, more white women voted for him over Clinton. Talk about dispelling illusions.
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While restoration contractors are an essential part of the recovery process, they cannot help you settle your insurance claim. ... Public adjusters are professionals who are licensed to work on behalf of the policyholder to settle property damage claims.
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