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hi this is Jared music with destiny capital and I'm here to talk to you today about an incredibly invigorating topic beneficiary designation forms now these are those annoying little forms that you have to fill out when you're signing up for your employee benefits employee provided life insurance 401 K s any other types of financial accounts that you have typically have beneficiary forms with those as well so those would be brokerage accounts other insurance contracts things like that and essentially when you fill those out what you're saying is hey when I'm gone this is who gets the loot and this is how its distributed out now what we're finding is that a lot of those beneficiary designation forms are not up to date and not the way that people had intended them to be and one thing that most people don't understand is that beneficiary designation forms will supersede your estate planning documents so your wills you know trust any estate planning documents that you've created will actua


  • What are some useful computer-related technical skills I can learn within a day?

    Registry Hack to Disable Writing to USB Drives. (Don't you want others copying your confidential data from your computer? You are in a right place. Go ahead...)Go to Start->Run->type regedit & press Enter.Go to the path HKEY_LOCAL_MACHINE\SYSTEM\CurrentControlSet\Control\StorageDevicePoliciesOn the Right side panel, Double click the WriteProtect. Change the value data from 0 to 1.Click ok. Hurray... Nobody can copy any file from your computer to any USB that connected to your computer. The following window will appear if they trying to copy,P.S: If you want to reverse the operation, Follow the above-mentioned steps and finally just replace the value from 1 to 0.If you couldn't find StorageDevicePolicy key, Step 1: Go to the path HKEY_LOCAL_MACHINE\SYSTEM\CurrentControlSet\ControlStep 2: Right Click at Control key. Create a new key & rename it as StorageDevicePolicies.Step 3: Now click the StorageDevicePolicies key. On the empty Right side panel Right Click->New->DWORD 32-bit value & Enter.Step Update 1: Click below to know about choosing subtitles automatically in vlc media player.Vasanth Prabakar's answer to What are some useful skills I can learn in minutes?Update 2: If you want to watch your favorite TV series with subtitles, but don't want to wait until the whole series to be downloaded. Just download the subtitles for the TV series that you want to watch. And finally you can stream those episodes by adding youtube link of the TV series to vlc media player.Enjoy watching by add subtitles for the episodes.

  • What is wrong with the hiring process and how could it be fixed? Endless forms have to be filled out, nothing is unified, and GitHub, StackOverflow (for developers) or Dribbble (for designers) are not taken into consideration.

    Finding the right job candidates is one of the biggest recruiting challenges. Recruiters and other HR professionals that don’t use best recruiting strategies are often unable to find high-quality job applicants. With all the changes and advances in HR technologies, new recruiting and hiring solutions have emerged. Many recruiters are now implementing these new solutions to become more effective and productive in their jobs.According to Recruitment strategies report 2017 done by GetApp, the biggest recruiting challenge in 2017 was the shortage of skilled candidates.The process of finding job candidates has changed significantly since few years ago. Back then, it was enough to post a job on job boards and wait for candidates to apply. Also called “post and pray” strategy.Today, it is more about building a strong Employer Branding strategy that attracts high quality applicants for hard-to-fill roles.Steps for finding the right job candidates1. Define your ideal candidate a.k.a candidate personaNot knowing who your ideal candidate is, will make finding one impossible. To be able to attract and hire them, you need to know their characteristics, motivations, skills and preferences.Defining a candidate persona requires planning and evaluation. The best way is to start from your current talent star employees. Learn more about their personalities, preferences, motivations and characteristics. Use these findings to find similar people for your current and future job openings.2. Engage your current employeesYou probably already know that your current employees are your best brand ambassadors. Same as current product users are best ambassadors for product brands. Their word of mouth means more than anyone else’s.Encourage their engagement and let them communicate their positive experiences to the outside. Remember, your employees are your best ambassadors, and people trust people more than brands, CEOs and other C-level executives.Involving your current employees can not only help you build a strong Employer Branding strategy, but it can also help your employees feel more engaged and satisfied with their jobs.3. Write a clear job descriptionsEven though many recruiters underestimate this step, it is extremely important to do it right! Writing a clear and detailed job description plays a huge role in finding and attracting candidates with a good fit. Don’t only list duties, responsibilities and requirements, but talk about your company’s culture and Employee Value Proposition.To save time, here are our free job description templates.4. Streamline your efforts with a Recruitment Marketing toolIf you have right tools, finding the right job candidates is much easier and faster than without them. Solutions offered by recruitment marketing software are various, and with them you can build innovative recruiting strategies such as Inbound Recruiting and Candidate Relationship Management to improve Candidate Experience and encourage Candidate Engagement.Sending useful, timely and relevant information to the candidates from your talent pool is a great way for strengthening your Employer Brand and communicating your Employee Value Proposition.5. Optimize your career site to invite visitors to applyWhen candidates want to learn about you, they go to your career site. Don-t loose this opportunity to impress them. Create content and look that reflects your company’s culture, mission and vision. Tell visitors about other employees success and career stories.You can start by adding employee testimonials, fun videos, introduce your team, and write about cool project that your company is working on.Don’t let visitors leave before hitting “Apply Now” button.6. Use a recruiting software with a powerful sourcing toolToday, there are powerful sourcing tools that find and extract candidates profiles. They also add them directly to your talent pool. Manual search takes a lot of time and effort, and is often very inefficient. With a powerful sourcing tool, you can make this process much faster, easier and more productive. These tools help you find candidates that match both the position and company culture.7. Use an Applicant Tracking SystemSolutions offered by applicant tracking systems are various, but their main purpose is to fasten and streamline the selections and hiring processes. By fastening the hiring and selection process, you can significantly improve Candidate Experience. With this, you can increase your application and hire rate for hard-to-fill roles. Did you know that top talent stays available on the market for only 10 days?8. Implement and use employee referral programsReferrals are proven to be best employees! Referrals can improve your time, cost and quality of hire, and make your hiring strategy much more productive. Yet, many companies still don’t have developed strategies for employee referrals.This is another great way to use your current employee to help you find the best people. To start, use these referral email templates for recruiters, and start engaging your employees today!GetApp‘s survey has proven that employee referrals take shortest to hire, and bring the highest quality job applicants.If you don’t have ideas about how to reward good referrals, here’s our favorite list of ideas for employee referral rewards.

  • What could a 20-year-old do to potentially improve their quality of life?

    Take a 10-30 minutes walk every day. Sit in silence for at least 10 minutes each day. Sleep for 7 hours. Live with the 3 E’s — Energy, Enthusiasm, and Empathy. Play more games. Read more books than you did the previous year. Spend time with people over the age of 70 & under the age of 6. Dream more while you are awake. Eat more foods that grow on trees and plants and eat less food that is manufactured in plants. Drink plenty of water. Smile and laugh more. Don’t waste your precious energy or time on gossip. Forget issues of the past. They’ll just ruin your present happiness. Don’t have negative thoughts or things you cannot control. Instead invest your energy in the positive present moment. Realize that life is a school and you are here to learn. Problems are simply part of the curriculum that appear and fade away like algebra class but the lessons you learn will last a lifetime. Eat breakfast like a king, lunch like a prince and dinner like a beggar. Life is too short to waste time hating anyone, so don’t even try. Don’t take yourself so seriously. You don’t have to win every argument. Just agree to disagree. Make peace with your past so it won’t spoil the present. Don’t compare your life to others’. You have no idea what their journey is all about. Don’t compare your partner with others either. What other people think of you is none of your business. No one is in charge of your happiness except you. However good or bad a situation is, it will change. Your job won’t take care of you when you are sick. Your friends will. Stay in touch. Get rid of anything that isn’t useful, beautiful or joyful. Envy is a waste of time. You already have all you need. No matter how you feel, get up, dress up and show up. Call your family often. Your inner most is always happy. So be happy. Each day give something good to others.

  • How do I prepare for IBPS PO 2017?

    How to prepare for IBPS POIn theory, there is no difference between theory and practice. But in practice, there is.- Yogi BerraBefore you start your preparation you must be aware of the every nitty-gritty of this exam. For the details, Visit official website of IBPS (, download IBPS-PO notification and go through it to know every crucial details about the exam like exam pattern, negative marking, scheme Of examination etc. Examination structure consists of three phase :Preliminary ExaminationMain ExaminationInterviewBefore preparation, we must know the previous year cut-offs and type of questions asked in last year exam. So , please search for IBPS-PO-VI exam analysis on http://www.bankersadda.comCut-off Score  IBPS-PO-V ( Pre & Mains)IBPS-PO-VI ( Pre & Mains)Interview The total marks allotted for Interview are 100. The minimum qualifying marks in interview will not be less than 40%, weightage (ratio) of CWE (Main exam) and interview will be 80:20 respectively. The combined final score of candidates shall be arrived at on the basis of scores obtained by the candidates in the Main Examination of CWE PO/MT-VI and Interview. Therefore, if you want to get selected in the final list, you need to score 20+ marks more than cutoff in Main Examination, i believe.  IBPS PO-VII will be schedule in the month of October7 Oct 20178 Oct 201714 Oct 201715 Oct 2017& mains will be in the month of November26 Nov 2017.Now, let's start with the preparation part. We need to prepare for the 5 different sections viz.Quantitative AptitudeReasoningEnglishGeneral AwarenessComputer AwarenessENGLISHTopics to focus onReading ComprehensionCloze TestSentence Correction and sentence ImprovementSpot the errorFill in the blanks ( single filler & double filler )Para jumbles ( Arrangement & odd one out)Vocabulary ( synonyms & antonyms)Para completionTips for EnglishStart reading. Read newspaper. Newspaper is going to help you in preparing current affairs as and it will build up your comprehension ability .For Grammar, Refer to Plinth of paramount by Neetu Singh. Don't try to cram all the rules, just go through them and in examination, trust your instincts.Noun, subject-verb agreement, articles & preposition , these are important chapters.Learn Vocabulary and idioms & phrases given in book.Start practicing from a test series or from online quizzes.Reasoning AbilityTopics to focus onSeating arrangement ( Linear, circular, square)Coding-DecodingMathematical InequalitiesBlood relationsSyllogism & reverse syllogismPuzzlesDirection and DistanceClassification/AnalogySeries (Alphabetical, Number & mixed series)Ordering and rankingMachine Input-OutputLogical reasoningCause & effectStatement & ArgumentStatement and and course of actionStatement & assumptionDrawing inferencesData sufficiencyTips for ReasoningLearn how to solve every type of questions with the help of a teacher or from online YouTube channelAdda247Feel free to learnMahendra GuruUnacademyWhen you done with concepts, start solving previous year question and test series. Practice is is the key .Computer Awareness Topics to focus on :Tips for computer AwarenessComputer Knowledge is a section; in which if you’ve done the right preparation you easily score marks.Get any computer Awareness booklet & go through it twice and start solving questions asked in previous examinations.Go through bankersadaa computer capsule.Quantitative AptitudeTopics to focus onSimplification & approximationPercentageProfit, Loss & discountTime and WorkRatio and Proportion & partnershipInterest (Simple and compound)Number Series(Missing & Wrong)Quadratic EquationsMixture & AlligationTime, speed & distanceBoat & streamTime & WorkPipe and cisternAverage & AgesData interpretationLine GraphBar GraphPie-ChartTabulationMix diagramsRadar graphCaseletsCircle & mensurationData sufficiencyPermutation & combinationProbabilityTips for Quantitative aptitudeLearn concepts of all the chapters using Class notes of Rakesh Yadav Sir or Quantum Cat by Sarvesh K. Verma or from YouTube VideosLearn square of numbers upto 30 , cubes upto 15 & tables upto 20.Practice 50 questions for each chapter and then start solving mock papers & online quizzes.General Awareness (Banking Awareness)Banking Awareness & static GK from bankers adda capsule ( or from any coaching booklet)Glance through the newspaper everyday. Read Business section carefully & editorials related to economy.You will find a lots of fodder points below the images in newspaper.Go through the current affairs of atleast 4 months before the exam date.Refer to The Hindu monthly review by bankersadDaBankers adda capsuleStudyIQ weekly current affairs on YouTubeTest Series Career Power & Olive board are best.Important websites and applications that can be of immense help in preparation :  Websites: channels :UnacademyAdda247Mahendra GuruFeel free to learnStudyIQMobile Applications :Adda247grade upThe HinduVocab24P.S. : A million dollar advice  A mock a day keeps the failure away.Happy Practicing!!!

  • What should be my strategy (e.g. how many hours to study, which books for each section, etc.) to crack the IBPS PO exam in 3 months?

    Hi Nayra,Have a detailed day wise plan for your preparation.Students who have entirely dedicated a few months for the upcoming RRB and IBPS exams and have started their preparation recently or are about to start, then this blog will guide them in making their schedules efficient..(8-10 hrs of studies combined with smart work needed to bring you to the top, hence making you the cream...SO HERE GOES:)QUANT:Daily 2 hrs of quant (going up to 3 hrs for weak students) will go a long way in improving your speed. During this time brush up chapter wise concepts along with a lot of practice questions .Note:1)Note down neatly in a separate hand out or book any short-cuts or important questions that you come across and need to memorize so that you can go through them regularly.2)You could also make voice recordings of tables from 1-30, squares, and cubes on your phone and keep listening to them to help you memorize, ENGLISH:I am sure the common problem that most of you face is confusion as to what would be the correct answer, or all seem correct while solving error corrections, fill in the blanks etc . Well let me tell you something English is very much like maths, the more you work on your basics and concepts( i.e. rules of grammar) the faster and more accurate you get at each step.So time to open your school grammar books like Wren and Martin with solution and also K Kundan English practice plus concepts book for banking and SSC or any book for that matter which explains English grammar and rules in details. Keep revising them regularly. Also practice daily with bankers Adda quizzes.HENCE DAILY 2 HRS ARE A MUST!!!.REASONING:Not a very difficult section and at the same time very scoring too. Yet we often make the mistake of not being regular with it by taking it for granted.So give it 1-2 hrs daily depending at what level you are currently at.If you know the concepts then 1 hr is good enough and if u are still at the learning stage then 2 hrs will be needed.NOT A SECTION TO BE IGNORED AS DURING THE EXAM BATTLE EACH MARK COUNTSGENERAL KNOWLEDGE AND CURRENT AFFAIRS:Start by reading the newspaper daily be it Hindu or any other fit for competitive exams, special focus on financial news relating to the banking sector. Go through the GK capsule given by BA and other lists on a regular basis.So 1 hour to newspaper and another hour to Bankers Adda capsules and other lists..THE MOST IMPORTANT ADDITION IS TO GIVE ONLINE EXAMS!!! YOU CANNOT AFFORD TO NOT DO THEM.....The more you practice these the better prepared you will be at the time of the real exam.Buy any online exam portal like career power exam series and give one exam every alternate day and on the other days analyse the exam that you had given on the previous day. Note down or bookmark(i.e. save) all the important questions that you come across.So 3 days in a week take exams and other 3 days do a detailed analysis of those exams.FOLLOW THIS SCHEDULE MONDAY TO FRIDAY>On weekends i.e. Saturday and Sunday do subjects like Computers and Banking Awareness plus revise all that was done on weekdays be it important questions or Gk, etc

  • How do I crack the IBPS PO exam?

    I started my preparation just after I filled up the application.My preparation startegy are as followEnglish: Honestly didn't even have a book of this subject, no practice at all. But always the most scoring section for me. Because I read alot of articles, I mean a lot. That helped me to spot errors easily without even knowing what kind of rules were being applied.Descriptive: Hadn't even for once typed a letter or essay on a computer. Typing on the mains exam day was my 1st. But here too my article reading habit helped me. Scored 17/25.Quantitative: My base was strong and every concept was clear to me. But I know myself that even if I put my serious efforts in this section I could have scored 20 at best. So, I relied on this section just for the sectional cutoff.Reasoning: My hard work and practice were on this section. Seriously I practiced puzzles a lot. Every puzzles I could get my hands on. And that helped me in making this section a scoring one.Banking Awareness: haha.... couldn't give any suggestions on this.Summing up, I relied hugely on English and Reasoning. So, identify your strong area and polish it so well that it shine very brightly.Luckily in my 1st attempt I attended interview and hopefull to make it into the final list.Cleared prelims with just .75 marks above the cutoff.Cleared mains with 84.88 marks.P.S.I'm someone who took 6 years to graduate with just 45.9% (3rd Division).Edit:Luckily got BOI my 2nd choice.And freakishly shocked with my interview marks. Got 70.95/100 . My interview was not that good. Didn't even know abbreviation of SIDBI, examples of MSME and many more ….I think they mostly gave marks for my confidence and jolly nature shown in the interview.

  • What are the ways to crack the IBPS PO exam? Any good books for the same?

    14 Step Guide to be Bank PO Success Story Part IIf you are a Bank PO aspirant, you will surely be interested in taking the SBI PO and IBPS PO exams. You could study blindly for the exams, and roll the dice. You may or may not be successful. To give yourself the advantage you need to be prepared with both the complete syllabus and a good strategy. The best way to build a successful strategy is to ask those who have used it effectively to get recruited as Probationary Officers in SBI and IBPS affiliated banks. We collected the experiences of some of the success stories from Testbook users. There are successful aspirants's own account, as to how they prepared, which I have compiled and presented.Credits: Jit Saha, Shivam Verma, Nilaksh Bansal, Bharadwaja Surya, Siddharth Jain, Neha Patial#1. BE MENTALLY PREPARED AT THE OUTSETIs it hard to get there? To become a Bank PO.There is fierce competition to get this job. This can be gauged from the fact that approx. 1 in 1100 students or may be even fewer than that get selected finally. So it was a really, really, tough nut to crack!That being said, it was definitely achievable.  With a good plan in mind, it’s possible to crack this exam in 2-3 months. Practice is the key.Being an IT employee, it was a little troublesome for me to appear in paper-and-pen mock tests. I had to be in office on weekends. But “getting digital is the way”.However, the hardest part for me was not the preparation or the exam time. It was the stress that I had to deal with and the wait for results. #2. LEARN TO MANAGE YOUR TIME WELLSBI PO 2015 was a test of time. How did you manage it?Mocks! Loads of them! After a good amount of practice, I got to know the areas which take me more time and those which take less. Then I could distribute my time accordingly in subsequent mocks. During my practice with mock tests I always set a target to attempt more questions even if I had to compromise with accuracy at first. Gradually, I started focusing on accuracy. This helped me answer more questions accurately.Once I became confident about my speed, I began to focus on accuracy in other ways. This exam is not just about knowing what to attempt but also about identifying what to skip. You must have the ability to glance through the question and be able to skip it if it seems too lengthy. If you develop this ability, then time won’t be a major obstacle.The order in which you answer the sections is important. I always started off with English because I was aware of the fact that this section is a score booster. I always wanted to answer it with a fresh mind to maximize my score. It allowed me to minimize silly mistakes. To figure out how much time to devote to each section, I solved previous years’ question papers. While writing mock tests I stuck to this approximate time limit for each section, no matter how many questions I was able to attempt.Working under deadlines also helped me a lot. I started to enjoy pressure. In fact, I give my best when I am under pressure. But, SBI PO is hardly a cakewalk. I tried to make a balance by choosing an effective way online. I joined Testbook and started to solve regular quizzes on the Testbook app.Overall, it is very important to hold your nerves, not to panic and just enjoy your attempt. #3. FIND THE CORRECT PRELIMS STRATEGYWhat strategy did you apply in the days leading up to prelims?First of all, I glanced through previous years’ questions. From this I got an idea about the major topics asked. Then I took all the free Mock Test provided by Testbook. Then I finished the major topics which were less time consuming but were more scoring. I completed all this inside a month and started giving the remaining mock tests.I gave as many mock tests as possible. I solved anywhere from one test per day to three per day. This number shot up to 5-7 mock tests in the last 5 days before prelims. This helped me to be in the rhythm of solving questions. All the while, I did not focus on a single subject but all three at the same time.Analysis of Mocks was the most important part. I went through all the solutions for all questions. I went through the analysis of my performance to understand where I needed to improve. I also avoided those tests that were being difficult for the sake of it. Good marks in mock tests helped build my confidence.#4. GET THE RIGHT RESOURCESWhat all resources did you use to prepare for the exam?Online Sources: Testbook (For mock tests (especially solutions), practice on app, CA capsules, other blog posts)Bankers Adda - IBPS PO, SBI, RRB (For capsules)Investopedia (For understanding banking topics)The Hindu e-paperWhatsapp groupsYoutube channels Offline Sources:RS Aggarwal for QuantFast Track Arithmetic by Rajesh Verma (for shortcuts)Kiran Practice PapersArihant Booklet for Computers and Marketing (just in case) #5. GET SUFFICIENT PRACTICEWhat do you think is the optimum number of mock tests one should take to prepare for the exam? Is it advisable to take more number of sectional tests or full lengths?There is no optimum number. There’s no point in solving mocks if you don’t keep track of your shortcomings and improve them. But I solved more than 20-25 tests for Mains and same for prelims. Your number will vary – take mock tests till you are confident enough to face the exams. Confident means till you start to score 10-15 marks more than previous year’s cutoff.Both sectional and full length tests have their own merits. It would be better to attempt few sectional tests before full tests to get comfortable with each section. Then attempt full length tests. To improve your strategy in any one section, come back to sectional tests. Sectional tests are also easy to practice because one may not like to invest 1 hour at a time. You can invest 20 minutes and can finish the task in intervals. Sectional tests also improve time management because you are restricted to use only 20 minutes.#6. MAKE AN OVERALL PLANHow did you tackle the whole syllabus?It is practically impossible to attempt 200 questions. In fact, I found it difficult to read even 150 questions. So I first identified which topics have to be completely left out. Then I identified some topics like Syllogisms, Input-Output, Inequalities, Quadratic Equations etc. which are easy and can be done with good speed. This is how the syllabus has to be managed. Eventually, get to the tougher chapters.#7. BETTER YOUR STRATEGY FOR MAINS AFTER PRELIMSWhat strategy did you apply in the days leading up to Mains?I analysed my Prelims performance and figured out what was lacking. I worked on my problem areas to make sure I did not get stuck in the same places.Mains require even more practice. Calculation speed has to be blazing fast so worked upon it. I learnt some quick calculation techniques. Tried to read newspapers at a fast pace with understanding to attempt passage questions in minimum time.I gave even more Mock tests and read General Awareness capsules. I gave 2 tests per day for mains, and I analysed each test and went through the solutions after. I studied current affairs and banking awareness in the time in between.Apart from all these, I am grateful to some of my friends who were the part and parcel of my journey to SBI. I created a whatsapp group and kept adding guys with similar mindsets. We discussed whatever questions we got stuck on. This not only created a great bond amongst us but also enriched our knowledge. The name of our group is “Destination Success” where we are just a family trying to help each other maximize our capabilities.Read Part II of the 14 Step Guide to be a PO Success Story to get specific tips for each subject and Mains PreparationGood Luck!

  • I am applying for a job as Interaction Designer in New York, the company has an online form to fill out and they ask about my current salary, I am freelancing.. What should I fill in?

    As Sarah said, leave it blank or, if it's a free-form text field, put in "Freelancer".If you put in $50k and they were thinking of paying $75k, you just lost $25k/year.  If you put in $75k, but their budget only allows $50k, you may have lost the job on that alone.If you don't put in anything, leave it to the interview, and tell thm that you're a freelancer and adjust your fee according to the difficulty of the job, so there's no set income.  If they ask for how much you made last year, explain that that would include periods between jobs, where you made zero, so it's not a fair number.In any financial negotiation, an old saying will always hold true - he who comes up with a number first, loses.  Jobs, buying houses - they're both the same.  Asking "How much?" is the better side to be on.  then if they say they were thinking of $50k-$75k, you can tell them that it's just a little less than you were charging, but the job looks to be VERY interesting, the company seems to be a good one to work for and you're sure that when they see what you're capable of, they'll adjust your increases.  (IOW, "I'll take the $75k, but I expect to be making about $90k in a year.")They know how to play the game - show them that you do too.

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