Schedule of Values Template Form

Let’s discuss 10 red flags to watch for within the first 3 months of your job. 3 months gives you ample time to find. My credentials for this answer: 20+ years in the corporate America cube farm. Fortune 500, mid-level, and start-ups. Ready…Let’s go get it.Has your job, in the first few weeks, suddenly morphed into something different from the job role on your employment contract? And, if you call management out on it, and they use silly phrases like not “being flexible”. Congratulations, you’ve found your first red flagAside: If you learn nothing else from this post, read this: “Flexible” and “Team Player” mean do more work, but not get paid for it. Learn this quickly. Because the most important thing every morning is waking up, looking in the mirror, and being able to respect yourself.If you work in a job as a “doer”, such as developer, builder of things, etc., do you find yourself booked up in many meetings? Then congratulations, you’ve discovered a red flag. “Doers” should not be in too many meetings. Because gasp…they need time to actually do stuff. If management cannot squash this early so you can do what you do best, you’ve found yourself at a mismanaged company.In the first few weeks of joining a company, do you notice lots of “cliques” and keep running into “unexpected, unspoken rules?” If so, you’ve dug up another red flag.I remember working at a company years back, doing development. In my interview, I was crystal clear…”I don’t like filling out a lot of paperwork to push code. I just want to code, test quickly, and push it out there.” Alas, 3 weeks after getting hired, management “revealed” that every code push needs a 3 page document filled out, a web form filled out, 3 layers of approval, just to get a change in. It’s ridiculous. The more red tape, the bigger the red flag.Does your company push “social-time” off hours and unnecessary get-togethers? Do they push, and I mean push charities, social justice groups, and other hootenanny garbage? Congratulations, you’ve found another red flag. Nowhere in any standard employment contract anywhere, does it state you must be active with charity, social justice causes, and any of that other garbage. Nor should it, because none of that has one iota to do with your job and the company making money. Not one iota. So if it’s pushed on you, run for the hills.Does your company value “in-office” time more than they do accomplishments during your work hours? If so, you’ve found another archaic, and detrimental red-flag. If I get 8 hours of work done in 2 hours, then what I do after that shouldn’t matter. Because, it’s not like corporate will pay you more for additional effort. Great bosses will let you leave early and give flex time when you pump out work quickly.Do scheduled meetings always run over time, or start late, or both? Congratulations, you’ve found another red-flag. Time wasters. Also, meetings, especially corporate meetings, are notorious for posturing and politics. And if you aren't a fan of meetings like me, then this is a HUGE red flag. Meetings should have an agenda, allow no rambling, and get to the point quick. As in, who is doing what, who needs help, and when can we expect things to get done. That’s it. No more.Are you having a hard time finding a document about annual raises and bonuses? As in, you do “x” and “y”, and this is how you advance. And when you ask about it, does your manager hem and haw or avoid the subject. Congratulations, you’ve found another red flag found at 90% or more of corporate jobs.Does the majority of people at or above your level use unnecessary buzz words to describe something? As in, can you find a word from grade 5 to grade 7 on the Flesch-Kincaid reading level to replace their silly buzzword, and not only keep the meaning of what they were trying to say, but enhance it? Congratulations, you’ve found another red flag. The key to communication is simplicity and clarity. And buzzwords violate both those rules. And if we can’t have a simple conversation about “my contract” and not “annual incentive protocol”, then we have a red flag on our hands.Do the dumbest people get promoted, and the superstars get passed over or marginalized? Congratulations young padawan, you’ve uncorked another red flag. And this, like #7, happens at 90% or more of corporate companies. It’s red flag football, and you never score a touchdown.Does your new company change “direction” every 2–4 weeks? Pat yourself on the back detective, you’ve found another red flag. If management cannot figure out what to do, and they get paid large coin to do one job, then you’ve found yourself at an insane asylum. Best to pull the cord and exit stage left.Heed these 10 rules my friends, they just might save your life down the road.

9Good Question>>>This question is good bcz there is a lot of peoples who have suffer from this problem. In bank exams the cut off of English is quite low, yet almost 60% people failed here in English section only, why?, this is a big problem but luckily I have a solution for this problem which break hurdles of your path easily with minimal efforts. So, first take a look of the whole syllabus of English which is asked in banks exams>>>RC, Spot the Error, Fillers, Cloze test, Sentence Arrangement.This is short look of the pattern of asking questions in Bank’s papers. I wood tell you here what should you do to get through this. Here are some important things which you should do for boosting your numbers in English section especially.Problems :1.Grammar : You read this or not, it doesn’t matter in bank exams. Anyone who has a little bit of understanding of english only as a language, can do its questions when it comes in D-day, but the only point is he/she had a general Idea about solving question which varied from person to person. If you’re the aspirant of SSC then you have to know about grammar little bit more but if you’re a aspirant of banking exams then it doesn’t matter more. Anyway, if someone amongst you want to read Grammar then don’t use too many books for Grammar, if you want you can use this book SHINE BOOK but even if you not take this then also its not harm you bcz this book contained some rarest SSC level grammar rules which can also helpful for you in your understanding of the subject a bit more.2. Word Power : It is the key for your success, How?, I would tell you here. Fillers, Cloze test will create almost 99% questions based on word power bcz if you know the importance of any word as well as their meanings then you can use to it in fillers and Cloze test. Honestly 100% questions you can do it only through this even if 40 % question RC will be based on word power. How you built it, I would tell you later.3. 60% RC : It will covered from your understanding. Suppose anyone who had a sufficient knowledge of English can read a passage and knew easily about central Idea which is only 10% of RC but what about the other 50%. Therefore you have to understand this from your own. So, How would you acheive it, I would tell you later.4. ABCDE : You’ve a question in front of you which carry 5 Questions and the funny part is if you solved it only once then you can score 5 marks easily may be in 2 minutes but there are two main problems which hardly thinks by anyone, which is Understanding and Reading speed. If you reading with speed, you hardly understand the topic and vice versa.Solution :Read a English newspaper daily. This is the panacea for you, How?, I would tell you here and all we talked about the role of Newspaper in many areas in English sections.If you read a newspaper your reading speed will grow. After reading it regularly your understanding power will grow. If you found some words new for you and if you google it then your word power also grow. In a nutshell, your overall knowledge will grow. Now the question is how someone read a newspaper who has never read it before for a competitive purpose, Don’t worry I would tell also this to you here.Whenever you reading a newspaper, first read the content of any article and then translare it in your own language as it is. For Example : If you belong to Orissa then first read it in English and then translate it in Odia, similarly, hindi, urdu or any other language you prefer. don’t think about the time, select only one article and finish it patiently by taking time. Read only one paragraph in a day but finsh it like that if someone ask anything about you from that article may be in moulded form, you can answered about it effectively, bcz if you read like that you can solve Rc, Cloze test, Filler & sentence arrangement in 100% while in the case of spot error only 60% in which you can understand the error through your understanding part.Smart study : The articles or pages you choose from a newspaper choose it by filtering other news other than Financial awareness or business part because the article or topic you are reading may be comes in your mains.If you do this whatever I would tell you here then you can first got improvement in yourself about reading things as well as word power. By this you can start to linking words in sentences which will help you in spot errors and filler sections and after linking sentences you can actually improve your sentence arrangement areas. If you can understand it whatever I say here and you used to it the I bet you, your english will be improved after giving some if your time.Tips 1. Don’t afraid of English, treat it just like anyother language.Tips 2. Attempt all questions of English in prelims as well as mains bcz here you easily score more with a good knowledge of wordpower.If you still wants to clear some queries then ask it on my fb or insta profile. I’ll promise you to answered your querry within first 24 hours, I have already solved 100+ people queries related to various competitive exams like UPSC/SSC & of courses of Bank exams as well through fb & instagram, whenever they ask.Best of luck…!!!

Where to start.First, the insurance industry is going through a major upgrade where a lot of the past inefficiencies are being solved and ironed out.There are inefficiencies at various stages of the insurance process. I will discuss two of the major ones:DistributionWhen you buy insurance, there are three main ways to buyGo to a lead generator online that shows you multiple quotes and then sells your information to insurance agents.The Problem: no one likes being cold called and having their information sold for a profit. You have to finish up your buying process over the phone and are often tossed around between lead generator, insurance agent, and insurance carrier. An example of a lead generator is EverQuote. This is the worst experience for the customer.Go directly to a carrier website and fill out one application and get their quoted price.The Problem: First, the carrier you go to may not be a good fit and just outright deny you a quote after all your work. Second, if you want to check prices on 5 different carriers, you have to fill out five applications. This leads to entering a lot of information five times. You also don’t really have an easy way to compare what is offered in the policy and how the coverage in the five policies compare.Go directly to a brick & mortar independent insurance agency, speak with one of their agents in person or over the phone, and fill out one application and get many prices.The Problem: you may have to visit a physical office. Only open during business hours 9–5 M-F. You have to make one/multiple phone calls. That being said, this is your best option out of the three listed, because you get an experienced professional looking at what you need and shopping not just on price, but quality and value of your policy.I’m trying to create a fourth option to make the insurance buying process more efficient. My goal is to make insurance shopping as easy as buying a plane ticket:What if there was an online insurance agency that allowed you to fill out one simple form online, you submit, and they do the shopping for you with multiple carriers, never sell your information, and send you multiple insurance packages to compare from multiple carriers all crafted for your specific needs. I work only online, email, text, and chat. No picking up the phone, no going to an actual building, and no “only open M-F 9–5”. Of course you can still call or come visit us if you want to, but we realize that is a less efficient shopping process.Now on to another inefficient area of insurance…Inspection & ClaimsInspection and claims is another part of the process that is extremely expensive and inefficient, but it is harder to solve without increasing fraud. Keep in mind that around 10% of claims paid out by insurance companies are fraudulent, so you often need an experienced professional to do the inspection during the initial application of the policy and during the claims process. This is inefficient because it requires scheduling a time, having a person physically drive out to the location of the property, and spend an hour looking at the place and writing a report. This person is expensive.This process is being improved by technology in ways such as using google maps, drone imaging, and even asking the customer to take video and photos of the damage or property to be covered. However, it still has a long way to go before it is anywhere near automated.

Hello! And welcome to Richard’s Body. I certainly hope that you enjoy your time with us. If there are any questions not covered by this handy brochure, please call customer service at 1–800-GUD-LUCK. Thank you for the patronage.Here are some things to know when navigating the use of Richard’s Body:Richard’s Body struggles to sleep, it frequently stays up too late. Not out of choice but out of that’s just the way things are. Sleep can be a touchy subject.Because of this, Richard’s Body tends to feel a little off in the morning. Have no fear Valued Customer, because after 15 minutes or so Richard’s Body is up and running. Even though this body is not a morning body, so slight crabbiness is expected.Speaking of running, Richard’s Body likes to run in the morning. Usually between 3 and 5 miles. If running isn’t your thing, perhaps try one of our other exciting products like Richard’s Unmoving Neighbor, that brings the new experiences of laziness and irritability.When you shower following your run, you will notice Richard’s Body is in good shape. So yeah, you have that going for you.Richard’s Body has one tattoo, it is meaningful to him. Please do not expand on said tattoo when you’re utilizing our service. Such actions will result in a withholding of deposit and possible surcharges.After getting out of the shower, you will notice a steel stand. On that stand will a DE safety razor, a brush, a stainless steel bowl, and Proraso shaving cream. That’s because the face portion of Richard’s Body likes a good classic wet-shave in the morning. You will also see several small towels in the drawer to the left, where you can wet and heat them. We have left a new blade in the DE razor for your convenience. However, if you don’t know how to wet-shave, DON’T. You will cut up Richard’s Body’s face, which we result in withholding of deposit. There is an emergency electric shaver in the right drawer, use that.There are numerous clothing items from which to chose. If you look at the convenient schedule in your Welcome Packet, you will see what Richard’s Body has on its schedule. Dress accordingly. Richard’s Body is equally comfortable in suits as he is in linen shirts and jeans, use your judgment. If you’re unsure, an automated style guide is available when contacting customer service.You will notice two racks of shoes in the closet. Richard’s Body will hate all of them, it generally prefers to go barefoot. So just choose whichever matches the clothes for the day. Note: that if campus schedule dictates you can go barefoot for the day using Richard’s Body. Depending on your personal level of comfort.In the garage, you will notice two vehicles. One car and one motorcycle. Because we’re unsure of how the whole consciousness swap/muscle memory thing works, we are limiting the use of the motorcycle (unless you have filled out form 11E-1z, proving a high degree of knowledge in the operation of powerful superbikes). We are sorry for the limitation, but you will find the car reasonably thrilling.During the workday, Richard’s Body will tend to get tired eyes, it’s all the monitor time when working on specific projects. You will find Refresh eye-drops in Richard’s Backpack. Use them at will. Richard’s Body’s last eye exam says that he has perfect vision, although Richard is sometimes skeptical. Or there needs to be better monitors provided. We look forward to hearing your feedback on this issue!Richard’s Body is sometimes prone to tension headaches. A quick walk around campus is usually enough to fix this.Richard’s Body is used to martial arts practice multiple times per week. Class times and training blocks are outlined in the provided schedule.DO NOT SPAR when using Richard’s Body. You don’t know how to fight, the people you train with do, again the whole consciousness/muscle memory question. Richard knows but is not currently in the Body. As such, doing so will result in possible damage to Richard’s Body.Unfortunately, Richard’s Body has suffered a prior knee injury. It starts to ache after specific activities. High-knee-stress activities like burpees are not recommended.Richard’s Body likes walks on the beach, you have several nearby. Please refer to the custom Points of Interest in the car’s GPS.Richard’s Body also eats healthy, there is an information card regarding possible meals (with recipes) in your Welcome Packet.On a personal note: if this week should occur when Richard’s Body’s Girlfriend is visiting, she has been apprised of the situation. She knows what to do to please herself and Richard’s Body, advanced sexual knowledge isn’t required (although appreciated. We, however, understand lack of knowledge, the consciousness/muscle memory situation again). We here at Out-Of-Body Experiences advises you to just enjoy the ride.Alright Valued Customer, we think you’re prepared to enjoy your week in Richard’s Body. We hope that your experience is a pleasant one. Following your visit, we hope that you’ll take the time to fill out a quick survey about your stay with Us.Thank you again,Out-Of-Body Experiences

The surprising truth about English in GermanyWhen I first visited Germany for the first time more than fifteen years ago, I got the impression that everyone spoke English: My partner’s family, friends and acquaintances all spoke English. Even though some were not fluent, all of them could express themselves fairly well in English. During that visit, we did a small tour of Germany starting from the small town in Southwest of Germany) near Heilbronn where my partner’s family lived and headed to Berlin in the north about 600km away and then to Hamburg to the North-west and back. During this trip, pretty much everyone I encountered spoke English. I also noticed an eagerness of sorts among the many Germans I met to speak English. Strangers would often ask me probably because I looked different whether I spoke French or English. Needless to say, I concluded that one could get by in Germany without speaking German which as I later found out was at best naïve and at worst, well, very naïve :-)Living in Germany when you barely speak GermanA year after my first visit, we again visited Germany and this time I had an inkling that maybe not everyone spoke English. We drove to the southern town called Konstanz to visit his aunts and uncle. Konstanz is a border town bordering Switzerland and is a very popular tourist destination. His uncle’s and aunts’ English was halting and since I barely spoke German, my husband did most of the translations.Konstanz on Lake Constance (Bodensee)Soon after, we finally moved to settle in Germany.As soon as we arrived, we set out looking for a place to rent. This phase was very difficult but we eventually managed to get a place largely because of help from my husband’s family and friends.This early period was exciting mainly because there was so much to learn and to be shocked and surprised about. One of the things that I remember being particularly shocked about was the fact that one had to buy their own kitchen whenever they move into an apartment. A built-in kitchen is not part of a German lease. The other thing was the shocking figures/amount of money one had to pay the real estate agent. I think we paid two months’ rent as commission to the real estate agent and a month’s rent as deposit.But all these pale in comparison to what awaited me. As soon as my husband started working, I settled into my new life and went about learning German. I suddenly had to do things for myself, for example, buy myself a tram ticket, shop for food, just run daily errands and at this point I started realizing what I had deep down suspected: that most Germans don’t speak English. Like my husband’s extended family, they understand English but it isn’t a language that they are comfortable speaking. I remember especially dreading going to a bakery. I would walk into a bakery and feel a latent dread. The baker behind the counter would look up at me with an expectant face. I would fumble trying to decide what to order and how to say it correctly in German. And almost always, there would be someone waiting in line and watching and listening impatiently to the ongoing circus. I resorted to just using my hands pointing to what I want and nodding or shaking my head. The few times I attempted to talk in English, I was often met with blank faces or puzzled irritated looks.Visiting a doctorBut if I thought that this was bad, it was about to get worse. At around that time, I went to a gynecologist. I was then expecting our first child. My husband had called them and made the appointment for me but I went alone. When I arrived at the doctor’s practice the assistant handed me a bunch of forms to fill but they were all in German. With my basic knowledge of German, I could neither read nor understand what was in the forms. The two assistants spoke no English. I still vividly remember the exasperation on their faces when they realized that I could barely speak German. They had to do a blood test, measure my blood pressure, do urine test and all kinds of stuff and they had no idea how to communicate that to me. One of them, the younger of the two held her arm and then pointed to my arm and then to a blood pressure cuff. She repeated the process with a syringe to communicate that she needed to get some blood. When it came to urine, she didn’t quite know how to demonstrate but I somehow understood what she meant. To call that experience a nightmare would be a huge understatement. Luckily, the gynecologist, walked in and to my relief spoke to me in perfect English.This particular episode repeated itself several times. Whenever I went for a doctor’s appointment, whether dentist, gynecologist or whatever doctor, the assistants tended to not speak English while the doctors tended to speak English. The challenge however was that most of my interactions were with the assistants. I had to call them to schedule the appointment and to somehow manage the pre-appointment stuff before seeing the doctors.Losing confidence and feeling miserableIt was almost as if the Germany I had visited previously where everyone spoke English was a different one from the one I had settled in.The effect of all these on me was a massive erosion of confidence. Not being able to express myself and listening to people discuss issues affecting me without my input is one of the most humbling things that I have ever experienced.I continued learning German even more determined to overcome the difficulties and break out of this nightmare. I was surprised at how naïve I had been about the German language. For some crazy reason, I had convinced myself when I first started learning German that it wasn’t so different from English. ‘Guten morgen, Good morning’! sounded very similar to me. And now to my horror, I was finding out that it wasn’t just different, it was on a totally different level. Every noun had an article (die, der, das) which ultimately affected how to conjugate and construct correct sentences. Not using the correct article could easily make one sound like a moron which I did for the most part. The worst part was that these articles were all random and you somehow had to just know by heart that a table is male, milk is feminine and a book is neutral.Needless to say, Learning German was a long and frustrating experience. Regardless of how much I learnt, I often had the feeling that I couldn’t quite communicate with normal folks. There is something about learning a language from a text book that is quite unnatural and rigid. I had seen and experienced this in Kenya where tourists armed with Swahili lessons would go around telling people ‘jambo’or ‘hakuna matata’ .While this is all correct and proper, no Kenyan actually goes around greeting people with ‘jambo’ or saying crazy stuff like ‘hakuna matata’. It is very touristic and awkward.I was increasingly faced with a situation where my German was improving but the quality of my interactions was not. I felt awkward and unsure of myself. The other thing is that I felt an intense sense of shame whenever I was unable to express myself or made mistakes. Learning a language involves a lot of trial and error. One has to practice in order to get better. While this process is relatively uncomplicated for children because they don’t feel ashamed when they make mistakes, it becomes more complicated the older one grows because as adults we feel self-conscious. Being corrected is kind of cute when you are travelling around a country as a tourist but when you live in the said country, you start feeling the condescension that comes with it. I naturally resented this. As a result, I started avoided talking German unless I was 100 percent sure that whatever I was saying was correct. This is probably the worst strategy when learning a language. The less I talked, the less practice I got which ultimately meant that I was trapped in a vicious cycle of stagnation.Watching from the sides, a spectator in own lifeMy husband seeing my frustration decided that he was going to help me out by practicing German with me. We would only talk in German to each other. By doing that, I would practice listening and talking German in a safe environment. This didn’t go well. I would concentrate on trying to construct correct sentences and he would point out the errors and explain how to say them correctly. While on the surface this might sound like a brilliant idea, the reality was that it turned our lives into a monotonous dreary existence. I would often be pissed off at his incessant enthusiastic corrections. And he would be frustrated at my frustrations. After a few weeks, we were done. We went back to talking to each other in English.I can describe my life then as being trapped in a parallel universe. It’s incredibly tiring to communicate by using gestures or to constantly look through dictionaries to figure out how to say something correctly.I really missed a normal life. I missed small talk. I missed laughing. I found out that it’s impossible to laugh when you don’t understand what’s going on around you.I lived in Germany without living in Germany. I could see what was going on around me but I was a spectator in my own life. I had, like many foreigners taken the English in Germany at face value.5 important points to remember about English in GermanyThere is a very big difference between visiting a country and actually living there. When you visit a country as a tourist, you concentrate on doing fun stuff. You are not going to work or running day to day errands.What this means is that one is often surrounded by people whose objective is to make one’s life as painless as possible. What I didn’t realize and painfully learnt was that these kinds of people are the minority rather than the majority in any country. Germany is not an exception.Many Germans understand English but because they don’t practice it, they do not necessarily feel comfortable speaking it. I believe that this was the case when I first arrived and continues to be the case even today. English in Germany is largely passive.As a tourist, you can get away with speaking no German. People will go out of their way to help you out. This luxury is not accorded to foreigners who live in Germany. I for example quickly started feeling people’s impatience and frustration.Many people think that it is only the uneducated people in Germany who don’t speak English. This is not completely true. There are very many very well educated Germans who don’t speak any English, again I think because it is a language they don’t need for their day to day work.There is also the belief that how well one speaks English has something to do with their age. While it is true that a relatively high number of young people in Germany speak English, it would be foolhardy to make such a generalization.

Here is a link that might help answer your question >> DS-160: Frequently Asked QuestionsFor more information on this and similar matters, please call me direct: 650.424.1902Email: heller@hellerimmigration.comHeller Immigration Law Group | Silicon Valley Immigration Attorneys

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