As a responsible adult, you know end-of-life planning is important. However, with all the options and documents available, knowing what you need can be challenging.
For example, what’s better for your situation, a will or a living trust? If you are trying to decide which option is best for you in the will vs living trust battle, keep reading. Here you can learn about each to make an informed decision about what you need.
A Closer Look at Living Trusts
There are several types of trusts. For most, a living revocable trust is a smart option.
The living trust is in place and effective while you are alive. The revocable trust can be changed at any time. As things in your life change, you can also make changes to this trust.
After creating a trust, you are moving the ownership of certain assets, like your home or another property, to the trust. You are appointed as the trustee. This means you determine how the assets are used while you are still alive.
In the trust, you will appoint someone as your successor trustee. If you are incapacitated, your successor trustee can take over and start managing your affairs. They also take over when you die.
Understand that if you only have a will, after you die, your family will have to go to court to ensure everything in your will is followed, which is a process called probate. Along with being expensive and time-consuming, this is also public.
The best way to avoid probate is by creating trust. It’s private and doesn’t require court approval.
A Closer Look at Wills
While trusts are important, you also need a will. Even though bigger assets, such as your home, need to be in the trust, this probably isn’t all you own. Because of this, you need a will to outline who will get your smaller assets.
You will spell this out in your will. Wills are also where you will make your funeral wishes known. There are different types of wills to choose from.
If you are a parent, you have to have a will. A will allows you to appoint a guardian for your minor children. While you may not want to think about this, if you die with no will, then the courts may decide what happens to your children.
Will vs Living Trust: Which Do You Need?
As you can see from the information here, in the debate of will vs living trust, there is not one that is more important than the others. If you want to protect your family and your assets, having both of these is a must.
You can speak to a professional who can help you create all the necessary documents.
Find more helpful information on various topics from health and business to tech and pets by reading our other blogs. We are dedicated to bringing our readers the latest news and information available.
LMS Design Best Practices
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.
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.
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.
What Is UPSC EPFO Exam? Can 12th Pass Apply For It?
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.
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.
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.
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.
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.
How to Write My Term Paper for Me in a Way That Gets an A?
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.
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.
How Accurate Are IQ Tests?
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.
How to Make a Schedule to Do My Homework on Time
Do you often have trouble doing homework? Or are you putting off doing your assignments? Maybe you don’t even turn in assignments. If any of these situations resonate with you, you need help. Do my homework – you need to leave this request on https://anyhomeworkhelp.com/and forget about your struggles. Experts will help you to submit your tasks on time. Also, you can create a better schedule that will help you to be on time. We will discuss how to do it correctly below.
Why are homework schedules effective?
A homework schedule is effective because it helps you to manage your time effectively. It allows you to break down larger tasks into smaller, more manageable chunks, and it gives you a clear plan for when each task needs to be completed. Additionally, having an organized schedule that clearly lays out all of your obligations can help eliminate the stress and anxiety that you might experience in trying to do all of your work.
So how can you create a homework schedule that works for you? The first step is to determine the best time for when you have the most energy and focus. This is usually earlier in the day, as opposed to later at night when you are tired and more likely to get distracted. Once you have determined this time, block it off on your schedule to use for doing your homework.
In addition to blocking off a set amount of time in the morning or afternoon to work on your schoolwork, it is also important to create realistic expectations about how much you can accomplish in that time frame. Many students make the mistake of creating overly ambitious schedules that they have a difficult time sticking to. By creating a realistic schedule, you will be more likely to stick with it and get all of your work done on time.
Keep in mind that the most important thing is not to beat yourself up if you fall behind or miss some deadlines. Instead, take a deep breath and look at your schedule to see what needs to be adjusted in order to help you get back on track. If you find that you are struggling to complete all of your homework on time, or if you are constantly putting it off, it might be helpful to seek out the assistance of a tutor.
Tips for creating an effective schedule
The best way to hand in all of your assignments is by making a schedule. When you make a schedule, you know exactly what you are supposed to be doing at a given time of day, so there is no guesswork involved. Here are the steps to making a good homework schedule:
1. Start by making a list of all the classes you have and when they meet.
2. Write down when each class starts and ends.
3. Make a note of any extracurricular activities or other obligations you have after school.
4. Determine how long it will take you to complete each assignment. This will vary depending on the difficulty of the assignment and how long you have to do it.
5. Write down when you will start and finish each homework assignment.
6. Make sure to leave some time for breaks! You will need to take a break between assignments to avoid getting overwhelmed or burned out.
7. Stick to your schedule as much as possible. Of course, there will be times when you have to deviate from it, but try to stick to it as closely as you can.
If you follow these steps, you will be able to create a homework schedule that works for you. Be sure to be realistic about how long each assignment will take you and leave some time for breaks. By doing so, you will be able to stay on track and submit all of your tasks on time. Good luck!
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