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Trust Talks: How Much Should I Pay for a Living Trust?

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Trust Talks

A living trust is a common estate planning vehicle. Its purpose is to protect your assets against probate and taxes after you pass away.

You will find several types of trusts, and with these, you can assign beneficiaries and make changes. The only time this isn’t possible is if you choose an irrevocable trust.  

One option is the living trust. Keep reading to learn more about living trusts, what they offer, and how much they cost.

What Are Living Trusts?

Living trusts work to distribute your estate to your heirs after your death or incapacitation. It is referred to as a “living” trust because you create it while you are alive.

The living trust is typically revocable. This means you can change the conditions and terms as long as you remain mentally competent.

If you are ready to have a living trust created, one of the best options is to hire this living trust attorney. Along with using the services of an attorney, you probably want to know how much this will cost you.

Keep reading to find out.

Related Costs for a Living Trust

If you are interested in a living trust, knowing the factors that impact the cost is important.

Trust Funding

You must consider how you will fund the estate. Your estate may be made up of current assets, which means there are no related ongoing costs.

After the paperwork is filed and in place, the trustees will be established. The assets you list don’t have to be added unless you decide to do this in the future.

Hiring a Legal Professional

The cost related to establishing a living revocable trust varies based on your state and the laws. The cost may also be impacted by how large your estate is.

The national average for creating this legal document for a single person is between $1,100 and $1,500. For a married couple, the cost is $1,700 to $2,500.

One reason there is such a large price range is because of the services offered by different estate planning attorneys. Each attorney will provide a different level of protection and unique documentation.

Make sure you consider cost when looking for an attorney, but this should not be the only or most important factor.

Living Trusts and Estate Plans

Hiring an attorney for creating your living trust means they will likely create it as part of a bigger estate plan. To achieve the needed protection, you must have health care directives, powers of attorney, and a will, along with the living trust.

Be sure to find out what is included with the fee charged by the lawyer before you hire them.

Creating a Living Trust

If you are ready to create a living trust, knowing what this will cost you is essential. The information above provides an overview of what you can expect to spend.

Did you find the information above helpful? Are you looking for additional information on business, health, and education topics? If so, check out some of our other blogs.

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Education

Skills to put forward in a teacher’s resume

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Skills to put forward in a teacher's resume

Interested in pursuing a career in teaching? This is a great idea. If you have the qualifications and experience required for the job, this should not be a problem. Being a teacher is a very exciting job but it requires seriousness because you are in charge of training people and passing on your knowledge. So what skills should you put forward in the teacher’s resume?

Adaptability and responsiveness

The teaching profession is both exciting and very strict because it is regulated. It covers several positions and various specificities. To apply for this teaching job, you probably have the required qualifications. The problem is how to write your resume. You may well be inspired by the sample experienced teacher’s resume published online. But the skills that are outlined in them remain the same.

To attract the recruiter’s attention, you will have to know how to put forward your professional skills. First of all, there is the ability to adapt and react. Yes, as a teacher, you know very well that your day does not end with preparing session sheets and applying them. Your students also require you to pay attention and to listen to them. To do this, you must be responsive and know how to adapt to every circumstance that arises in class.

In short, a teacher is a person who knows how to adapt to everything, especially to the unexpected, despite the organization that he or she has planned for the day. You must therefore convince your recruiter through your resume that you can handle the situation even at the last minute.

Team spirit and ability to federate

Although teaching is a one-person job, it also requires teamwork and the ability to bring people together. You will frequently be asked to work with others, including teachers like yourself, either in a collaborative manner or as a complement to the classes you teach your students.

Show professionalism in your task by adapting to work in a team and even federate it if necessary. If you have had the opportunity to coordinate a team before, be sure to mention it in your CV to make you stand out. Who knows if the recruiter or your future employer, thanks to this, puts you in a position of higher responsibility such as a director of an establishment, for example.

In short, inform in the best possible way in your resume that management does not scare you because it is also one of the most sought-after qualities in the teaching position.

Communication skills

Communication skills are a necessary quality to be a good teacher. How can you pass on your knowledge without knowing how to communicate with your students and colleagues? You can’t.

As they say, in teaching, there is an element of drama and oration. You may be asked to speak in front of an audience of students and sometimes parents, such as at graduations or open houses. You must therefore master your communication skills to be able to present yourself in public and speak openly about what you have to say.

This quality is in high demand in any industry. If you don’t have it, it is quite possible that the recruiter will reject your application and find someone else. In short, all employers would like to have employees who know how to express themselves and adapt their speech to the person they are talking to or to the situation at hand.

Autonomy and curiosity

As a teacher, it is also impossible not to be curious and autonomous. It goes together. Why? Because if you find yourself alone with didactic or pedagogical questions that your students have, what are you going to do? In order not to ruin your image as a teacher, you should not ask other teachers for help. You will have to find the answers on your own.

Because of your intellectual curiosity, which has led you to self-study, you will know how to deal with this problem. In addition, your previous training and the studies you have done to become a teacher must necessarily serve as a foundation for finding the right answers to all these questions.

Organizational skills and decision-making ability

These qualities are not given to everyone. Most teachers, as mentioned above, have or have tried to cultivate a real sense of organization; this is to be effective enough to make their students progress because it is the teachers who have to plan their lessons and learning in sequences and sessions.

As a teacher, you will sometimes have to organize meetings, conduct projects, time each session, etc. If you don’t have organizational skills, how are you going to do that? You also need to be able to make decisions on your own without asking for input from others. Take your place as a teacher and act like one. You are like the person in charge of your students and it is therefore up to you to look for and decide on the best solution to the problem at hand.

You really need to prepare yourself for this because you will have to make about ten decisions each day.

Strength of proposal and creativity

In order to be successful in your teaching career, you must be proactive and creative in your project. Here again, this is also an innate quality in teachers. Nothing should be difficult for you to propose solutions or to give your opinions.

A good teacher is someone who is resourceful and pragmatic. Your only principle is to reach your objective, which is to pass on your knowledge to each of your students and thus make them succeed in their exams.

It is your job that pushes you to be more creative than you were before. You must therefore find the right words, the right tools and the right materials to ensure your role as a teacher.

Stress management

And finally, stress management. This is also an important quality to become a good teacher. Like any other job, teaching also has its share of stress. Managing several students at the same time is not an easy task at all. We understand. In order not to lose control, you need to be calm and professional to manage your stress.

Yes, among all your students, there may be those who have learning problems, relationship problems with their peers, administrative problems, etc.

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LMS Design Best Practices

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LMS Design

The world of education changed upside down with the emergence of e-learning. Distance education resources available to all users worldwide erase the barriers between students and educational institutions, making learning universally accessible. 

The good news for private educators and business owners is that they can also join the booming e-learning market with branded products. There is a realm of private courses available to students across the globe, bringing million-dollar revenue to their creators. So, why not try your luck in this lucrative niche? 

But before you start selling an e-course, take our tips for learning management system design. It can guide you smoothly through the design steps, protecting you from the underwater stones of LMS implementation. 

What Is an LMS? 

Let’s start with the basics – LMS definition. The acronym stands for a Learning Management System, which is actually a web platform on which users can access educational materials, view multimedia content, and complete testing. It is an educational product with a unique UI app design and logic, giving users various educational tools and interaction methods. 

Given the fierce competition in the e-learning market, you can secure a good competitive position for yourself if you design your LMS really well. Learners strive for simplicity and interactivity; they like performance rewards and gamification. So, take all these modern UI/UX trends into account, and you will create a winning product. 

Which LMS Type to Choose? 

The choice of an LMS platform is the initial stage of design. You can choose between a hosted and SaaS/cloud LMS, each with specific pros and cons. 

A hosted LMS: 

  • The platform gives students or trainees access to educational resources on the program owner’s server. 
  • The system has limited outreach in terms of geography, typically limited to a specific company or university. 
  • Hosted LMSs are securer as all information is kept on-site and not transferred via the Internet. 

A SaaS/cloud LMS: 

  • The LMS is hosted on a cloud server, with users receiving access to it via the Internet. 
  • It’s ideal for distance learning, giving students universal access from any corner of the globe. 
  • It suits private educational companies because of financial costs and flexibility in use. 
17 LMS Design ideas | lms, web design, design

Source: Pinterest 

LMS Implementation Steps 

Now that you know what an LMS is and have chosen the hosted or cloud version thereof, it’s time to proceed to its actual development. You need to consider the following issues in this process. 

Set Clear Goals 

Having a concrete LMS idea in mind is very helpful at the start of the development process. You need to know what you want to achieve with your resource. What type of learning do you want to provide? How will it differ from other available options? What will students get from it? 

These questions cannot be answered without thorough user research and demand validation. It makes no sense to develop a complicated and costly product without understanding who will use it. So, engage a skilled researcher and study the market to determine the gaps in product offerings and people’s needs. 

Validate an Idea with Users 

After your rough business idea takes shape, it’s still necessary to put it to the preliminary test. Carry out a survey with a pilot group of users, asking them to comment on your idea and share 10 benefits and 10 minuses they associate with existing LMSs. Incorporate that feedback in your LMS’s design to close the user gaps and meet their unmet needs. 

Work with Professionals 

Now it’s time to proceed to the actual development. Make sure that you hire a team with proven expertise and a relevant tech stack to complete your project. You should have a product manager, a designer, an LMS engineer, and a QA tester in the team at a minimum. Additional staff should include developers with experience in e-learning, training administrators, and IT experts. The number and competence of other staff in the project team depend on your LMS’s complexity and budget. 

Take Administration into Account 

LMS administrators will become its core ambassadors and salespeople upon the platform’s launch. Thus, you need to invest time and effort in training them well. They should know the system inside out, performing all functions without friction. If they learn the LMS’s functionality that well, they’re sure to help other users without a problem. 

Scale for Growth 

Even if you start small, you need to keep growth perspectives in mind. Once your project becomes successful and attracts larger user numbers, you don’t want it to stagnate and collapse because of the overload. So, the LMS infrastructure should be scalable from the onset, giving you flexibility in growth without serious bottlenecks. 

Ensure Flexibility in Content Delivery 

The core factor determining an LMS’s success with users is the quality of the learning experience. Thus, you should never leave this aspect to chance. Ensure that the platform features numerous options for content delivery, fitting various learner kinds and styles. Some students prefer reading a text, while others perceive the materials better in the form of videos or podcasts. You need to provide all those learning tools to attain a good degree of customization. 

Anticipate Bottlenecks 

Upon launch, there will always be some problems, and you need to get ready for them. Take into account the following issues that most companies launching an LMS experience: 

#1 Technical Glitches 

No system works all the time perfectly. Your task is to be ready for all kinds of glitches and bugs, addressing them in real-time to prevent downtime and keep the user experience positive. 

#2 Problems with Customization 

You need to develop a detailed plan for customizing the LMS’s materials and UI so that your users love the resource and stay with it. 

#3 Security Risks 

Security is the most important aspect of LMS functioning, as people store personal and banking information in their profiles. Thus, a security breach or a large-scale hack of the system may result in disastrous consequences for your company and clients. 

#4 Scaling Limitations 

Scaling is hard if you have initially chosen a rigid platform. So, it’s better to opt for flexible SaaS solutions so that your company grows together with your client base.

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What Is UPSC EPFO Exam? Can 12th Pass Apply For It?

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UPSC EPFO Exam

EPFO stands for Employee Provident Fund Organization; it is a national exam led by UPSC under the Ministry of Labor and Employment yearly. UPSC conducts this recruitment exam for the post of EPFO, Employees & Fund Organization. Candidates who possess a graduation degree in Law, Management, or equal degree can apply for the UPSC EPFO exam. The centers are allotted on a first-come, first-serve basis; therefore, you can select the center of your choice if you apply early.

It is an objective-type paper that has 120 multiple-choice questions.Before applying for the exam, you must know the UPSC EPFO syllabus eligibility criteria, and exam pattern. The EPFO exam is conducted in two phases-

  • The recruitment Test (it is conducted offline).
  • Personal Interview.

UPSC EPFO Eligibility Criteria

The candidates must be aware about the UPSC EPFO eligibility criteria to get conversant with the requisite qualifications and age limit.

Age Limit

The candidate applying for the UPSC EPFO exam should be under 30 to appear in the exam. There is age relaxation for reserved category prospects.

SC/ST – up to 5 years

OBC – up to 3 years

EPFO employees – up to 5 years

Ex-servicemen and Commissioned Officer-Relaxation of 5 years, but it might vary as per the rules.

Educational Qualification

The candidate should have a graduation degree from any acknowledged college. Students who have done their post-graduation in law, account, and Central Secretariat are favored.

Nationality

To be qualified for this exam, the candidate must be a resident of India or Nepal.

Number of Attempts

You can apply any number of times for this exam within the age limit.

Experience

No experience is required, but prospects with prior experience will be preferred.

UPSC EPFO syllabus

There are nine subjects that you need to study to attempt this exam, which are-

1. General English

2. Indian Freedom Struggle.

3. General Science & knowledge of Computer applications.

4. Indian Polity & Economy.

5. General Mental Ability & Quantitative Aptitude.

6. Social Security in India

7. Industrial Relations & Labor Laws

8. Current Events and Developmental Issues.

9. General Accounting Principles.

UPSC EPFO Exam Pattern

It is an objective-type exam with multiple-type questions, and the exam duration is 120 minutes. The UPSC EPFO exam is for 100 marks, and every question is of the same marks. For every wrong answer, .33 marks are deducted. If you select two answers, the answer is marked wrong, and a negative marking will be done.

UPSC EPFO Application Fee

To complete the application process, the candidates need to submit the fee. There is a very nominal fee for it, i.e., Rs.25 for the Unreserved category, and the good part is that there is no fee for SC, ST, Women, and PwBD.

Can 12th Pass apply For the UPSC EPFO exam?

A 12th pass cannot apply for this exam, as a minimum bachelor’s degree is a mandate to apply. The degree can be in Law, Administration, or Accounts from any Government or private college. 

This was about the UPSC EPFO exam; you can start preparing for it today as the vacancies are limited, and there are lakhs of applicants.

You can learn more about the UPSC EPFO exam on BYJU’s Exam Prep. They have all the information you require for clearing the EPFO exam, such as the previous year’s question paper, appropriate study material, and expert guidance.

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How to Write My Term Paper for Me in a Way That Gets an A?

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Rewriting Tools for Articles or Essays

Before you write my term paper for me, you should know exactly what you want the outcome to be and know that the outcome will be exactly what you ask for. If your professor specifies what the paper should look like (i.e., if it needs to be MLA or APA format), make sure to include that in your request as well so there aren’t any surprises after the assignment has been completed. It’s also important to remember that writing my term paper isn’t as simple as just getting someone else to do it.

Requirements of a Good Term Paper Outline

Before you begin to write your term paper, you need to make sure that you have done all of your research. This includes not only looking up facts and figures but also finding citations that back up any arguments or claims you make. Once you’ve collected all of your references, writing a term paper outline will be much easier than if you don’t have any information before hand. 

So what should be included in your outline? Here are some suggestions: include your thesis statement (for example: The road network is vital infrastructure), identify main points of argumentation (i.e., backup) provide sub-points for each major point Note: Your teacher might require different elements to be included. So it’s important that you ask him/her about expectations beforehand!

Thesis Statement Examples

The term thesis statement is used often when talking about academic papers. In simple terms, it’s what you are trying to prove or say about your subject. It’s also called a topic sentence and can be found within your opening paragraph, either at its beginning or near its middle (the beginning if you’re writing a cause-and-effect essay). 

As with any other sentence, there are no hard and fast rules governing how long it should be or how it should be structured. The important thing is that you establish your main point right away so that it stays focused throughout the body of your paper.

Introduction Example – Funny and Informative at the Same Time

Introduction Example: Funny and Informative at The Same Time If you don’t know who Uncle Eddie is by now, you haven’t been watching enough episodes of I Love Lucy. This man is funny and informative at the same time. Everyone loves his little sayings like if Lucy gets any funnier, she’ll be beating me with my own shoes. 

You can tell he has a great sense of humor because he sees the humor in everything that he does. The Internet is full of videos about Uncle Eddie, including one where he tells us how to write my term paper for me. He has made it his mission to help students with their papers so that they will have more time to have fun during their school days.

Conclusion

You’re now equipped with everything you need to write a stellar web content piece. You have your subject, some ideas, and how-to’s, and you have some sample copy that should help guide you through your first draft. With practice, these steps will become second nature to you, but for now, it’s important that you walk away from each writing experience with something written even if it’s not perfect. 

Have fun!

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How Accurate Are IQ Tests?

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The average IQ score is a composite of several tests. These results are compared to the average population to determine the range of IQ. The standard score is 100 and perfectly average people fall within that range. However, there are many factors that go into calculating the average IQ. You should never try to estimate your own IQ by taking a quiz online. Free online IQ tests are not a legitimate way to measure your IQ You will get the most reliable value of your IQ.

Genius Tests offers two free IQ tests

Genius Tests is a site that offers free IQ tests. The full quiz has 50 questions, and the quick quiz has 25 questions, with a six-minute time limit. Each test provides an instant IQ score and percentile, and you can take both if you’d like to. The questions on Genius Tests are professionally designed and will give you an accurate score in ten to twenty minutes. Unlike other free IQ tests, you won’t have to register to take the test, and the results will be available to you in a few minutes.

Brain Metrix is another site that offers a free IQ test for children. This test focuses on the abilities of children in math, spatial thinking, and general analyzing skills. The free version can be taken anywhere from home, and it requires little or no preparation. It’s not recommended for people who have never taken an IQ test. However, it is recommended that you take a few minutes to read the instructions before attempting the test.

Genius Tests does not let you go back to change your answer

The site offers two free IQ tests. The first quiz has 50 questions and a time limit of 12 minutes. The second quiz has 25 questions and a time limit of 6 minutes. Neither quiz allows you to go back to change your answers. The test gives you your score, the percentile of your intelligence, and whether or not you qualify to become a genius. However, you cannot change the answers once you’ve submitted them.

Regardless of the reason, Genius’s test is designed to measure intellectual potential. It does not have a time limit and is usually completed in less than an hour. To complete the test, you’ll need a pencil, calculator, or piece of paper. You may not be able to use any software to help you complete the test, so it’s crucial to have at least an hour of free time.

IQ test averages are accurate within +/- 3 IQ points

The accuracy of IQ test averages can be questioned, however. There are several factors that influence IQ, including socioeconomic status, education, and testing bias. In fact, researchers have found that differences in IQ levels across nations are not genetic. In addition, IQ test results vary across races. However, researchers believe that these differences are largely explained by environmental factors, not genetics.

The average IQ score is around 100, with most individuals scoring within a standard deviation of this average. In addition, IQ tests measure two types of intelligence: fluid and crystallized. Fluid intelligence is considered independent of learning and tends to decline in adulthood, while crystallized intelligence tends to increase over time. In addition, most people score within the normal range of 85-115, whereas only 0.1% score below the average.

IQ scores are estimated based on individuals’ biographies

IQ tests assess an individual’s logical and visual abilities and do not measure specific subject knowledge. Rather, they measure the ability to make rapid connections and recognize patterns. Some of the highest-achieving people in history have IQs of 160 or higher. In contrast, presidents and presidential candidates may have low IQs and exhibit poor leadership. These differences are largely unfounded, though.

Moreover, the predictive power of IQ dramatically diminishes when attempting to forecast an individual’s future earnings. This is because too many other factors may impact a person’s career and earnings potential. For this reason, it is highly unlikely that employers will ask candidates for their IQ scores when assessing job applicants. Hence, IQ scores are not a reliable indicator of success.

IQ scores are not reliable for people with very low or very high IQ

The idea that IQ scores can predict behavior is somewhat dubious. IQ tests have been used to create and further questionable beliefs about various groups of people. Despite this, ongoing efforts are underway to show the positive benefits of IQ tests. In 2002, executions of criminally convicted people with intellectual disabilities were ruled unconstitutional. As a result, IQ tests have become a useful tool in US courts.

While IQ tests have been shown to be useful for assessing people with high IQ, they don’t always predict success. While IQ scores are often a good indicator of how intelligent an individual is, grade-point averages are a better predictor of success. Regardless of IQ, success in school, career, and life is determined by more than just natural ability. Hard work, good habits, and a strong work ethic are just as important as a high IQ.

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