Royal Bank of Scotland or on some save service charges

1xbet зepкaлo August 22, according to media reports, United Kingdom banking giant Royal Bank of Scotland (RBS) or start on some of the top corporate clients provide savings services and collection costs.

Royal Bank of Scotland said last week sent a letter to some of its large institutional clients, is no longer guaranteed to provide deposit services for free, and will introduce negative interest rates in the next few weeks. In the letter, Royal Bank of Scotland said the hope that customers should be aware that has a large number of funds overnight deposit rate as low as negative. “So far we will deposit rate values are set to zero by the end of, but now we have a level of safety not think the following. In the current interest rate environment, we will introduce negative interest rates. “

It is reported that the move only against part of the Royal Bank of Scotland £ and Euro futures and options trading cash collateral is required in large enterprise customers, roughly 60. Negative interest rates will be launched on August 22. RBS’s ordinary personal and corporate accounts will not be affected.

1xbet зepкaлo analysts noted that United Kingdom banking sector under pressure for a long time under the low interest rate environment in the long term, and was once again cut interest rates to close to zero on their profits, boost-pressure. After the “exit” referendum also allows such low interest rates are expected to continue beyond 2020.

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Dream: If the Warriors win KD will not be two series reshaping

1xbet Golden State Warriors forward Bradley Richmond – Green in an interview that if the Warriors win over the Cavaliers in the finals this year and won, so they can not get Kevin – Durant.

“If we beat the Cavaliers and completed two consecutive years,1xbet then we get KD is extremely unlikely, because I do not think we will go to recruit KD, if we win the case.” Green said, “I think if you have the opportunity to recruit Kevin – Durant, he will eventually become one of the greatest NBA players, you should go to recruit him. “
“If we did not win, then get the chance Durant reached 70%, so if we win, then get only 8% chance of Durant Although we lost the championship, but we got Kevin – Duran special. Hey, I do not think this choice is poor. “
Green also noted that if the Thunder beat the Warriors in the Western Conference finals and finals,1xbet the Warriors have no chance to get Durant, Durant will not leave because the Thunder.
“Two series reshape the pattern of the NBA.” Green said.
Since Durant announced to join the Warriors, there have been reports that Durant and Green to keep in touch during the playoffs this year, which also angered some Thunder players. For this report, Green has denied.
“During the playoffs, the situation is somewhat different. There’s more at stake, so our communication is not much.” Green said.

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Job Test – Can You Fail a Job Test?


There are many things that are worrying about job applications and one that gives most applicants concern is the thought of what job test they may have to undertake.

A job test seems to becoming a normal part of the recruitment process for lots of organisations and most applicants will have at some time completed some sort of psychometric test. Familiarity does not however reduce the apprehension. This in itself is often brought about by the applicant wondering what it is the tests are supposed to be measuring. Some are quite obvious. Others seem to the applicant to have no relevance to the job on offer. In quite a lot of the cases this is actually true. A job test, sometimes referred to as a career test, is added in as part of a parcel of tools that the recruiter thinks might hep ensure that they get the very best person for the job.

This, in a way, is them covering themselves in case the candidate does not work out. What they may have produced is some evidence that they took all necessary precautions by using a job test. If the psychometric test used had no relevance to the job, it is actually meaningless and a waste of time. Many organisations have abandoned the job test in favor of in tray’ exercise that is relative to the job. They may give the applicant a task to see how they go about solving the problem. If the applicant has applied for a job that matches their experience or knowledge then this should prove to be less threatening than an unrelated job test.

Organisations are as worried about choosing the wrong person, as applicants are, about not getting the job. The whole process is a fraught one. Even in good times there was always some risk, however with numerous applicants chasing the same vacancy the pressure on both sides becomes intense.

Organisations are more than ever using psychometric tests to help identify suitable applicants. These are administered through questionnaires and are often referred to as a career   test , although they are not a  test  but an assessment of the applicant’s  personality . There is no right or wrong  personality  therefore this cannot be considered a  test , although we often refer to it as a career test. If the organisation has decided on a  personality  type that will fit the particular job and this is not your type, there is no need to be despondent. Just as the organisation will not see your  personality  as a good fit, you too would be unhappy in this job if you could not be your natural self.

The ideal scenario is where you are chosen for a job because your  personality  will fit with the others within the organisation. When this happens chances are that this is an organisation where you could thrive.


Psychometric Assessment


There are three types of psychometric tests and these are:

1)   Test  of ability

2)  Test  of aptitude

3)  Test  of  personality 

Test of ability: This test measures the ability of a person to grasp a new skill needed for a new job. It also lets the employers know the following:

a) What a particular employee is capable to learn

b) What he will be able to learn in the future.

The broad skills that are checked by this test are:

o Verbal Test

o Numerical Reasoning Test

Test of aptitude: Aptitude tests are mostly job specific and therefore the names of these tests are almost always similar to the job titles. These tests can either be general or specific. For example, a General Ability Test is a combination of four tests:

o Numerical ability

o Verbal ability

o Spatial ability

o Non-verbal ability

However, these tests are also used for finding specific abilities and also general abilities. If you are applying for a job interview, the aptitude test will be taken to see your mental reasoning ability.

 Test  of  personality : This is another important part of the psychometric assessment Here a questionnaire with multiple choice answers is provided to the people. They need to choose possible right answers. Here you would not get any right or wrong answer. However on the basis of these answers the  personality  of the individual is judged. Another tool used for  personality   test  is Emotional Intelligence. This is used to find whether an individual possesses good emotional competency. If you are asked to go for Emotional Intelligence Test then after that you would know the following:

a) What emotions are most common in you and how can you manage them

b) How can you use feelings to guide your actions as well as your thought process

c) How can you use your emotions to motivate yourself as well as others.


Can You Actually Fail A Personality Quiz?


Q. I didn’t get a job that I interviewed for. The employer told me that I had “failed” the  personality  quiz. How is that possible? Does this mean that I have no  personality ?

A. “Fail” is a pretty strong word when it comes to taking a  personality  quiz. In fact, it is so strong that it makes me wonder about the professionalism of the potential employer that administered the  personality  quiz to you.

There is no pass/fail in a  personality  quiz; especially an employment  personality  quiz. There are simply factors that are important to the employer that either are, or are not, present in your  personality .

To say that you “failed” the  personality  quiz is a misnomer. You simply did not have some  personality  traits that the employer deemed important for the particular job that you applied for.

Other than the fact that they insulted you, they probably did you a favor by giving you that  personality  quiz. By screening you out based upon a certain  personality  profile, they saved you from accepting a job that you would probably have ended up hating and leaving after a short while.

A  personality  quiz is an interesting animal. There are actually many different types. You’ve already encountered a pre-employment  personality  quiz, but that’s not the only type out there.

Before we go off into the subject of a  personality  quiz, it’s important that we agree upon the definition of the term  personality . Let’s keep it short:

Your  personality  consists of all the traits and behaviours that make you unique and that determine how you are likely to act in any given situation.

Given that this definition is true, then a  personality  quiz is designed to measure those traits and to quantify them into some meaningful profile that enables someone to predict how you will behave.

Is that really possible? Yes, in most instances it is possible to accurately how someone is LIKELY to behave under a given set of circumstances. The key word here is LIKELY. We’ve all seen or read about people who have exhibited extraordinary acts of heroism who were otherwise thought of as a most unlikely hero due to being timid, shy, young, or whatever.

It is not possible to totally predict anyone’s behaviour no matter how sophisticated a test is or how educated the person who designed it was.

While the pre-employment  personality  quiz is designed to match candidates with job vacancies and predict the likelihood of that candidate thriving in that particular business’ culture, there are also other types of  personality  quiz that are used for other purposes.

Closely aligned to the pre-employment  personality  quiz is the promotion candidate  personality  quiz. A quiz of this type is designed to match the  personality  of an existing employee, who is being considered for promotion, to the type pf  personality  that is needed to survive in the position for which there is a vacancy.

A relationship  personality  quiz is designed to  test  the compatibility factors between two people. It measures those traits that have been determined to promote a long term relationship.

There is also a type pf  personality  quiz that measures a person’s sanity. It is typically used by the legal system to determine if someone is “legally insane” and can be held accountable for their actions in a court of law.

And then there is the  personality  quiz that is designed for entertainment purposes only. These are typically found in magazines and are developed by writers for the sole purpose of amusing their readership if not for simply filling pages.

You shouldn’t put too much weight on your scores for this type of  personality  quiz. The questions are rarely scientific and there is no sense getting your panties in a wad over something that has no real merit.

As far as the “scientific”  personality  quiz is concerned, none of them are 100% accurate and a skilled quiz taker, or a pathological lier, can skew a  personality  quiz to meed their own purposes. Like anything else that can’t be seen, touched, or smelled, take these  personality  quiz results with a grain of salt.


ABC Personality Types and Love Relationships


Type A, Type B or Type C – Which one are you? Do you know? Discover for yourself which category best describes you. This information can help you to make wiser choices in dating and long term relationships. Knowing your own type and the types of those you meet, can help you to decide who to pursue for a more intimate relationship and why.

Type A Personality

This personality type has been designated as the ones most likely to develop high blood pressure, hypertension and any other heart related problems. They are often high strung, aggressive, impatient, demanding, and highly competitive. They are determined to succeed and “win” in whatever way they can. They are often willing to take risks and are impatient to see results. They believe that work and relationships are a battle to be overcome and they don’t give in easily. In fact, they are often hostile, argumentative and difficult when things are not going the way they “know” it should be. Type A’s tend to operate and function using both sides of their brain. They are quick thinking and quick acting, impulsive, arrogant, critical and sometimes even overbearing.

Type B Personality

This personality type is more likely to be seen taking a yoga class or sitting deep in meditation rather than arguing and fighting. In fact, they would rather switch than fight. Type B’s are much more at ease with everyday life. Their modus operandi is to be easy going, to take things in stride,and to let problems roll off their shoulders. They are not as prone to hypertension because outwardly they appear to be much more relaxed. But they may suffer from internal problems, such as digestive disorders or irritable bowel syndrome, because they are more likely to hold their feelings inside. They tend to compete against their own self, always trying to improve and become a better person. They are intuitive and spontaneous, but may be open to criticism because they take their time and do not easily take a strong and solid stand.

Type C Personality

There are some conflicting descriptions of this personality type. Originally, Type C was seen as a hearty personality, one that incorporated the best of both Types A and B, without the negative A and B traits. The most recent description suggests that this personality type might be most prone to cancer. They tend to be introverted, conforming, compliant, respectful, and they try to please others, sometimes at their own expense. They often hold their feelings inside. They often respond to stress in their life with a sense of depression and hopelessness rather than by tackling their problems and fighting to overcome them.

Of course, many of us do not fit so neatly into one of these three personality types, but we may lean toward one rather than the others. So what happens if a Type A mates with a Type B? There will probably be lots of differences in lifestyle which may or may not lead to problems. What happens if a Type B mates with a Type C? They will both be slow to take action and there may be nobody there to push the Type C to overcome problems. And what if a Type A mates with a Type C? The Type A may have the reign of the household, getting his or her way in most actions or activities. However, the Type C person may give in and try to please but become physically ill in the process.

Remember these are not hard and fast personality types and nobody fits these categories so precisely. Understanding these personality differences may help you to choose a different partner or may help you to stand up to a controlling partner or be more gentle and compassionate toward a pleasing partner.


Knowing the Different Personality Types Can Increase Your Sales!


If you study the many different  personality  types and learn to mimic them when talking about a purchase, a sale or sponsoring someone into your business, making the deal gets a lot easier when you understand and can identify with who you are talking to. It’s been researched and written that we are all divided into sixteen minor categories and can be fitted into four major ones. Studies dating back to Carl Jung and Sigmund Freud have been conducted to try an understand what makes individuals so different.

Network marketers, psychologist, and therapist all study the human Psyche to see who we are, what motivates us and makes us tick. I’ve seen the four  personality  types compared to animals, elements, seasons and colors, along with many other titles. Red or fire  personalities  seem to be the most dominate and aggressive of the four, plus they are the ones that are the most money motivated.

In studying the different  personality  groups, I did my own diagnoses and determined that I’m 50% Yellow, 30% green and 20% blue. So what does that mean? Yellow means laid back, agreeable, hates conflict and the green means I’m organized, almost a neat freak, and I like having the facts. The 20% blue is the little part of me that likes having some fun, just not all the time. Going to the parks here in Orlando can be considered a chore for someone like me. So read down, look over the different  personality  types and see if you can determine who you are.

Once you study the Red  personality , you will see someone that’s a go-getter, they might have four phones on their desk and again, they are money motivated. If you start your sales presentation with small talk, you will immediately lose their attention. Red’s love contest for money, cars, trips or anything that gives them a real challenge. These people are can do, goal oriented, direct, and fast paced types of people. With their dominating  personality , they can easily control a conversation, situation or even a friendship. This type  personality  makes up twenty five percent of the population so marketers and advertisers need to recognize the fact, when doing advertising and promotions, your ads should not just cater to this group. If you do, then you will lose the interest of the other three groups of  personality  types. Why limit your marketing to just twenty five percent of the population?

Let’s take a look at the Blue, also called Wind  personality  type and you will find this segment of people love fun. If you talk to them about a homebased business, you better emphasize the fun and comradery that goes on inside the business. These people love to be the center of attention; they may wear loud colored clothes like a Hawaiian shirt. They tend to be somewhat disorganized and completely overlook details,plus they make their decisions based on feeling as opposed to facts. If you want them into your mlm program, you better talk about the fun that they are going to have. They have optimistic  personalities , are full of enthusiasm, and tend to be social butterflies. If they have a Face Book account, you can believe they have atleast a thousand friends added to their list.

Coming to the Green, also known as Ice,  personality  type is probably a sales person’s biggest challenge because most sales people aren’t detail oriented and Green  personalities  love details. They tend to be engineers, draftsman, and just about any position that requires an analytical mind. When you meet one of these people be prepared to break out your compensation plan and maybe a list of the ingredients of what’s in your product. This  personality  type is more slow paced, and somewhat task oriented and they love details. They are very careful and interested in doing things right the first time so they tend to work slowly on things just to insure that it’s done correctly. The downside is they tend to make decisions slowly because they want things to be Perfect before they decide to get started.

The last  personality  type is called the Yellow or Water, and you’ll find these people to be very laid back, even considered amiable. This group of people likes to chat before you get down to business, talk about you and they just want to get to know you better. Grab a cup of coffee and plan to move slow. Yellows do tend to be loyal once they decide to join your program and they love the idea of sponsoring and helping new people get started too. This group of people tend to be teacher’s, veterinarian’s, social worker’s, or any profession where they feel like they are helping man kind and feel they are making a difference. These people tend to be great listeners and have a very agreeable  personality . Their downside is indecisiveness so you have to move them along in order to get a decision.

Whether you’re in sales, building an internet business, building a network marketing business or just have a job working with people, it’s imperative that you have an understanding of the different  personality  types so you’ll know that what works for one  personality  type may not work with another. Business builders and Sales people may want to have four different presentations prepared so they can use the one that best suites the individual they are talking to. Remember, you have to mimic the prospect in order to build a relationship with that  personality  type, people only do business with someone that they know, like and trust.


7 Criteria for Deciding Which Career Test Is Right for You


“I used to feel depressed at work, hate my boss, and was sometimes so bored that I actually fell asleep at my desk!” — career test taker

If this sounds like you, then it’s probably time to consider changing jobs or careers. But before you can make your career change, you need to figure out what you want to do.

One of the best ways to get clear is to complete a career assessment. Yet there are literally hundreds of career tests out there. Is a career test the same as an aptitude test? What about a career personality test? This article clarifies the differences and presents 7 criteria for deciding which career test is best for you.

#1 Career test vs. personality test

Is the assessment specifically designed to provide career guidance?

Personality tests only tell you about your character traits whereas a career assessment gives specific career advice. Of course, it helps to know whether you’re an extrovert or an introvert and perceive by sensing or intuition. Personality tests such as the Myers Briggs Type Indicator (MBTI) and the Enneagram are quite useful as background information. Making the leap from simple awareness of your personality type to specific career strategies is very difficult, however. If you want a new job or career, it’s better to take an assessment that is specifically geared to providing career guidance.

#2 Specific vs. general

Does the career assessment give concrete recommendations that you can use immediately rather than vague observations that are open to interpretation and not actionable? Aside from the change itself, the hardest part of changing careers is narrowing down your choices. But if you don’t get specific, you won’t be able to take action. A good assessment should not be general like the astrological horoscopes in the newspaper.

#3 Motivation rules: why motivation is a better indicator than aptitude or personality

Does the career assessment measure motivation?

Motivation is a far better career indicator than skill or personality because what you like to do is what you WILL do and what you will get very good at (if you aren’t already). Why force a square peg into a round hole?

When you base your decisions on what motivates you, you’ll probably feel much more fulfilled, and be much more successful, too.

#4 Where’s the beef?

Even if you’re a vegetarian, you’ll want “meaty” results! A good career assessment should include hard data, as well as sufficient detail and explanation to help you interpret the results.

#5 Do you believe it?

Is the career assessment scientifically valid? An effective career assessment should have a high predictive reliability. Such things can be measured statistically. Anything over 95% is quite good.

Statistical validity is important for a number of reasons. Obviously, you want to feel that the assessment provides an accurate picture of what motivates you and you don’t want to be misled by grossly inaccurate results. But another point is that when the results are believable this provides a boost to your self-confidence. In my case, I was relieved and encouraged to see from my results that I had chosen the correct career path. It was a kind of confirmation or validation: “Whew! What a relief!”

Remember that ultimately it’s up to you to decide whether a set of results makes sense or not. However, it helps to use a highly reliable assessment.

#6 Can you get from A to Z?

Are additional tools available to help you take your results and develop a clear career roadmap for yourself?

Honestly, a lot of people take career tests and get brilliant insights. Unfortunately, many of these same people are never able to turn their insights into results. What’s needed is a support infrastructure of materials and people to help you apply your results over time.

#7 Is it fast?

Even in the internet age, there still are a lot of tests that you can only take on paper. It takes 30 minutes or even over an hour to take the test. Then you have to wait while the test is scored and processed. You may only get your results after several days or weeks.

Personally I prefer career tests that I can take online and that give me my results immediately.


A career test is just a tool and just one step on your career change journey. Nonetheless, it’s worth spending some time to understand what types of tests are available and which is best for you. Just remember that even the best career test is only a tool. It’s up to you to take charge of your own career.


Find The Best Gift For Your Girlfriend According To Her Personality Type


If you are newly in a relationship there can be a lot of things you may not know about, but you are probably trying to figure it out. Especially when you have to please your girlfriend now every guy knows this quite clearly how difficult it is to please a girl. But if you are in love, you wouldn’t stop trying won’t you and when there is a will there is always an interesting way. If you are a boyfriend who is wondering what to give your girlfriend on her birthday that would be quite interesting as a present, then you need to think a little different. Here is a small test that will help you determine the appropriate gift based on the analysis of her personality type.

Take this test that consists of 5 simple and easy questions where you get three options A, B and C. Based on the option you have selected there will be a detailed analysis and at the end the personality types will be declared, if she falls in any one of the category then accordingly the gift ideas shall be suggested.

# 1 Generally, your girlfriend is

A) Talkative B) Shy C) Smart talker

# 2 The kind of movie she likes

A) Sci-fi/Action B) Romantic Comedy C) Horror/Drama

# 3 On a Sunday she would love to

A) Take up some fun activity B) Cook an awesome lunch C) Visit the mall

# 4 Her favorite apparel is

A) Skirts & Top B) Trendy Kurtis C) jeans and top

# 5 The characteristic traits of which of the following actress match her

A) Kareena Kapoor B) Alia Bhatt C) Anushka Sharma

Now, that you have completed the test, it is time for analysis, it is quite simple all you have to do is asses your answers as one of the three categories with mostly A’s, B’s or C’s.


Mostly A’s (If you got 3 or more A’s)

Personality Type: Extrovert

Your girl is quite open minded and she loves to express herself, whether in good times or bad times. She wouldn’t mind if she had to cry and when she is happy the vibes will be felt from a long distance. She is full of life and cheerful, and she loves to do distinct activities that speak a lot about her personality, she loves to take the charge if needed. For a girl like this, you have to do something fascinating as they are in look out for everything that is trendy. Something that would appeal to her could be tote bags, sunglasses or perfumes. She cannot be completely called eccentric but she surely is someone who would love to talk on and on, as this is her way of defining freedom.

Mostly B’s (If you got 3 or more 3 B’s)

Personality Type: Reserved

One of the basic elements and also the striking feature in such girls is their simplicity. The honest appearance and as a result making it clear that they are quite knowledgeable. They are cute and usually are on the submissive side, but are mentally strong and look for value and meaning in whatever they do. If you are looking to surprise someone like her then you must give her something from the category of personalized gifts. It would mean a lot to her, even something like a flower also goes on to make a sweet difference.

Mostly C’s (If You got 3 or more 3 C’s)

Personality Type: The modern Hipster

This could be quite a cool way to describe your girl if she shows the characteristic traits of a smooth talker and presents herself in a smart way and takes her own time to eventually mix up with people. She has that spunk which makes her stand out and talk of the ton. She is unique in her own ways and full of surprises, she defies the conventional and presents a personality that keeps you hooked on to her. She has a vivid fashion sense and it is all a part of her hipster aura. When gifting her you have got to be very creative and think out of the box to give her something, she would love something from the home décor section though. Because this personality type are often on the lookout to make things look good, and different, so the gift needs to be equally so.


Do Personality Tests Actually Yield Real Results?


Personality tests have been around since the 1920s. They were originally intended to aid in personnel selection, especially in the military. They have since expanded into a broad variety of tests that are used prevalently in everything from job applications to relationship counseling. But do they yield real results? Here is some information explaining how personality tests work:

Types of Tests Commonly Used

The Myers Briggs Type Indicator (MBTI), the Minnesota Multiphasic Personality Inventory (MMPI) and several tests based on the Five Factor Model of personality are widely in use today. The Association of Test Publishers estimates that personality tests have become a $400 million industry, with roughly 2,500 tests available to choose from on the market.

Growing Popularity of Personality Tests

Personality assessments became a lucrative industry because they are deemed so helpful in a wide range of contexts. They are especially useful for employee selection, as they give a forecast of strengths and deficits that could arise with each applicant. Bad hiring decisions are costly to organizations in many ways, from lost productivity to supplemental training or even the cost of seeking recruitment assistance to eventually fill a vacant position. Personality test use by employers increased dramatically after 1988, when federal law prohibited the use of polygraphs by employers.

How They Are Helpful

There are business professionals that fall on both sides of the fence when it comes to the efficacy of personality tests. The bottom line is that these tests are neither complete psychobabble nor the best possible recruiting tool available. Their value truly depends on how you use them and what for what these assessments are used. Many staffing experts do agree that when they are used correctly, personality tests complement the hiring process and have the potential to improve team development.

Staffing Experts Can Help

Seeking the services of a reputable staffing agency is one way that companies successfully reduce an applicant pool down to only the most qualified candidates. Staffing professionals conduct skill-based testing in addition to interviewing each applicant before a company decides to meet them. Many staffing agencies use personality assessments as just one component of their larger applicant screening process.

Personality tests, such as the MBTI have remained popular over the years, particularly for use in employment screening, because they are able to predict certain tendencies in a person’s character. This information is useful when combined with other proven candidate assessment techniques, such as standard behavior based interviewing and skill-based tests.