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HRKatha
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Coal India introduces new uniform dress code for employees starting July
- Coal India (CIL) is to implement a new uniform dress code for its employees starting July 2025.
- The decision aims to bring uniformity, enhance professional appearance, and reinforce organizational identity.
- Male employees will wear navy blue trousers with sky blue shirts; female employees have options for their attire.
- Approximately 2.25 lakh employees across CIL and its subsidiaries will follow the new dress code.
- Each employee will receive an advance of Rs 500 to acquire three pairs of the designated uniform.
- The company plans to assess the dress code's efficacy and implementation after a year.
- The move is intended to improve consistency in employee presentation and promote a cohesive workplace identity.
- Uniforms are expected to cultivate a stronger sense of belonging and discipline among staff.
- This initiative represents Coal India's first standardized dress code for its diverse workforce.
- The new approach aims to enhance employee engagement and professional representation within the organization.
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Forbes
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Today’s Mortgage Refinance Rates: June 13, 2025 – Rates Drop
- Today, the rate on a 30-year fixed refinance decreased to 6.82% according to the Mortgage Research Center.
- For 15-year fixed refinance mortgages, the average rate is 5.75%, while for 20-year mortgages, it's 6.61%.
- The average rate for a 30-year fixed-rate mortgage refinance is 6.82%, down 0.26% from last week.
- The APR for a 30-year fixed-rate mortgage is 6.85%, lower than last week's 6.87%.
- The average rate for a 20-year fixed mortgage refinance is 6.61%, with an APR of 6.65%.
- The 15-year fixed refinance mortgage rate is 5.75% with an APR of 5.79%.
- Rates for 30-year and 15-year fixed-rate jumbo mortgage refinances are 7.07% and 6.47% respectively.
- Refinance rates are slightly higher than mortgage rates, with differences depending on the loan program.
- Mortgage refinance can help lower interest rates, reduce monthly payments, pay off loans faster, tap home equity, or eliminate PMI.
- National average mortgage rates have been in the middle-to-high 6% range since late 2024, with minor expected changes in the first half of 2025.
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Forbes
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High-Yield Savings Account Rates Today: June 13, 2025 – Rates Are Steady
- Savings account rates have remained the same compared to a week ago, with the highest yield reaching 5.84%.
- Online banks and credit unions tend to offer higher interest rates than traditional brick-and-mortar banks.
- The current average APY for a traditional savings account is 0.22%.
- High-yield savings accounts can provide significantly higher interest rates but may require certain conditions like minimum deposits or membership in a credit union.
- The best interest rate available for high-yield accounts with a minimum deposit of $10,000 is 4.88%.
- The average APY for such accounts stands at 0.23% currently.
- For high-yield savings accounts with a $25,000 minimum deposit, the top interest rate is 3.94%.
- The average APY for these accounts is 0.24%.
- Apart from interest rates, factors to consider when choosing a savings account include minimum deposit requirements and potential fees.
- It is essential to assess the reputation and safety of the financial institution offering the savings account before applying.
- Savings account interest rates are influenced by the Federal Reserve's rate changes, which impact borrowing and savings rates in the economy.
- The Federal Reserve adjusts rates eight times a year during meetings of the Federal Open Market Committee (FOMC).
- Curinos calculates average savings rates excluding certain specialized account types, focusing on personal use accounts.
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Forbes
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Current HELOC & Home Equity Loan Rates: June 13, 2025
- Home equity loans and home equity lines of credit (HELOCs) enable homeowners to access the value of their homes.
- Home equity loans offer a fixed-rate, lump-sum loan up to 85% of a home’s value, while HELOCs are variable-rate second mortgages using the home's value as a line of credit.
- Both options require property as collateral, allowing lenders to seize the property if payments are not made.
- HELOCs of different amounts, such as $100K, $250K, or $500K, cater to varying project sizes and financial needs.
- Options like 5-year, 10-year, 15-year, and 20-year terms offer flexibility in repayment periods and monthly payments based on individual preferences.
- Home equity signifies the portion of the home you own, with more equity indicating more accumulated wealth.
- Utilizing home equity through loans, HELOCs, or cash-out refinancing provides access to funds based on home ownership.
- HELOCs allow borrowing against a home's equity, providing funds in installments with interest payments on the amount used.
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Forbes
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Mortgage Rates Today: June 13, 2025 – 30-Year and 15-Year Rates Hold Firm
- Today's average mortgage rate on a 30-year fixed-rate mortgage is 6.76%, up 0.03% from the previous week.
- Borrowers might save on interest costs with a 15-year fixed mortgage, currently at an average APR of 5.79%, despite higher monthly payments.
- The average refinance rate is worth checking if you want to refinance your existing mortgage.
- The 30-year fixed-rate mortgage has an average APR of 6.79%.
- With a 30-year fixed mortgage at 6.76%, borrowing $100,000 costs around $650 monthly in principal and interest.
- Today's 15-year mortgage rate is at 5.74%, with an APR of 5.79%.
- For a 15-year fixed mortgage at 5.74%, the monthly principal and interest for $100,000 is about $830.
- The average interest rate on a 30-year fixed-rate jumbo mortgage is 7.03%, down 2.06% from last week.
- Mortgage rates fluctuated post-spring 2024, with recent changes influenced by Federal Reserve decisions and global events.
- Various economic factors impact mortgage rates, making future rate predictions challenging.
- Factors affecting mortgage rates include the Federal Reserve's decisions, U.S. Treasury bond yields, and global financial disruptions.
- Improving finances and creditworthiness can help borrowers qualify for competitive mortgage rates.
- Homebuyers can benefit from good credit scores, low debt-to-income ratios, and substantial down payments to secure better mortgage terms.
- Conventional mortgages offer competitive rates for credit scores between 670-850, while government-backed programs cater to low or no down payment scenarios.
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CNBC
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‘White collar’ jobs are down — but don’t blame AI yet, economists say
- Economists suggest that the decrease in 'white collar' job opportunities is not primarily due to artificial intelligence technology.
- Industries such as health care, construction, and manufacturing have seen more job creation compared to professional and business services.
- The decline in job openings is attributed more to structural economic issues than AI taking over jobs, according to experts.
- AI technology is currently not advanced enough to fully replace human workers in white-collar sectors.
- A report by Indeed revealed that a majority of work skills are considered 'very unlikely' to be replaced by generative AI technology.
- While AI could potentially disrupt the labor force in the future, it is not a significant factor at present, economists say.
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HRKatha
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Bihar cabinet approves housing for women staff near workplaces
- The Bihar Cabinet approved a policy to provide government-leased accommodation to women employees near their workplaces.
- Nearly four lakh women, especially teachers and government workers in rural areas, will benefit from this initiative.
- Accommodation will be arranged through lease agreements with private property owners, ensuring safety and convenience.
- District magistrate-led committees will identify suitable buildings with basic amenities like electricity and water.
- Women working in rural or block-level offices can apply for this housing through official channels.
- Those opting for government-provided housing will not receive house rent allowance (HRA) initially.
- The initiative will start at district and divisional headquarters before expanding to other locations.
- The Cabinet also approved the creation of 8,093 clerical posts across Bihar to have a dedicated clerk in every panchayat.
- This move aims to enhance the implementation of grassroots-level schemes under the Panchayati Raj system.
- Additionally, 14 new posts were sanctioned for the Agriculture Marketing Directorate to benefit farmers.
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Nonprofithub
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[PODCAST] Why Passion Isn’t Enough: The Hidden Reality of Nonprofit Leadership – David Rhode
- In this podcast episode, Meghan speaks with David Rhode, author of Passion Isn't Enough: A Practical Guide for Nonprofit Leaders, shedding light on the often ignored aspects of nonprofit leadership.
- David shares valuable insights on topics such as board engagement, leadership isolation, and managing the daily challenges faced by small organizations.
- The conversation includes practical advice on setting expectations, assessing and parting ways with board members, and streamlining organizational roles.
- This discussion is tailored for nonprofit leaders navigating diverse responsibilities, offering both validation and actionable recommendations beyond just passion.
- Listeners are encouraged to access free nonprofit professional development resources and connect with like-minded professionals at https://nonprofithub.org.
- Sponsorship for this episode is provided by Apricot by Bonterra, offering nonprofits a more efficient way to monitor outcomes, streamline reporting, and access additional funding.
- Visit the provided link to learn more about Apricot by Bonterra.
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HRKatha
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The truth about lies: Why résumé fraud has become an epidemic
- Up to 70% of job seekers lie on their résumés, using strategies like invisible keywords to deceive both AI systems and human reviewers.
- Employers often turn a blind eye to lies, contributing to a cycle of dishonesty in the job market.
- Some companies are implementing rigorous verification methods to combat résumé fraud, encouraging honesty and transparency.
- AI-driven Applicant Tracking Systems can be tricked by candidates using invisible text to boost their ranking.
- Human judgment remains crucial in detecting résumé fraud, as AI systems have limitations in detecting deceptive tactics.
- Advocates emphasize the need for systemic solutions and collective action to tackle the pervasive issue of résumé fraud.
- Résumé fraud reflects a larger systemic problem, where individuals feel compelled to lie due to unrealistic job market expectations.
- Cultural change is necessary to create environments where honesty is valued, and consequences for deception are enforced.
- The job market needs a shift towards valuing genuine capabilities over embellished résumé points to combat the epidemic of lies.
- Encouraging candidates to come clean and fostering a culture of truth could help address the prevalence of résumé fraud in the industry.
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HRKatha
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Dubai’s public sector has jobs for expats; salary of up to Dh40,000
- Dubai's public sector is offering job opportunities for expats in various fields such as healthcare, education, IT, infrastructure, urban planning, and social care.
- Skilled expatriates are sought for roles like audit manager, resident case manager, corporate excellence specialist, and senior editor, among others.
- Job requirements include specific qualifications and experience levels in each field.
- The Dubai Foundation for Women and Children is offering the role of resident case manager with a salary range of Dh10,001–20,000.
- The Dubai Air Navigation Services has openings for a corporate excellence specialist with a salary range of Dh30,001–40,000.
- The Dubai Government Media Office seeks a senior editor with a journalism or communications degree and at least three years of editing experience.
- Other available positions include child care supervisor, strategy and performance manager, collectibles officer, and archaeology specialist.
- Interested individuals can apply and find more details on the official jobs website of Dubai, dubaicareers.ae.
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HRKatha
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Wells Fargo continues layoffs in Iowa
- Wells Fargo is continuing layoffs in Iowa, with reports stating another 35 workers will be let go from its Jordan Creek campus, bringing the total job cuts in the area to about 1,241.
- Since April 2022, the company has been announcing reductions in headcount in Des Moines, with the latest round adding 35 more job cuts to the previously announced 159.
- Wells Fargo aims to assist impacted employees in finding suitable roles within the company or externally by providing support like severance packages and career counseling.
- The specific divisions affected by the recent job cuts have not been officially disclosed by the financial services company.
- In May 2025, Wells Fargo indicated plans to close its Global Capability Centre in Chennai, offering employees the choice to relocate to other India locations like Bengaluru or Hyderabad.
- The transition process at Wells Fargo, which includes the layoffs in Iowa and the closure of its Chennai center, is expected to conclude by the fourth quarter of the financial year 2027.
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Medium
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Jira Didn’t See That Coming
- The article highlights the often invisible work of a project manager (PM) in managing stakeholders and navigating challenges in a team.
- PMs are described as part therapist, translator, and political diplomat, responsible for managing egos, agendas, and priorities.
- Effective PMs are portrayed as persuasive and skilled at influencing discussions and decisions without being loud.
- Real alignment work involves daily interactions and reminders of the project's goals and challenges in various team settings.
- PMs are tasked with being the keeper of the project's purpose while ensuring consistency in the team's efforts.
- Managing priorities is crucial, where saying 'yes' to one feature often means saying 'no' to another.
- Great PMs approach saying 'no' by suggesting alternatives, phasing in features, or validating needs before committing resources.
- The job of a PM is not about winning but about aligning expectations and ensuring all team members feel like they've achieved something.
- The article concludes by appreciating the unseen work of PMs who navigate challenges, clear obstacles, and ensure team success.
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HRKatha
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Vedanta Aluminium deploys all-women locomotive engine team
- Vedanta Aluminium has deployed the first all-women locomotive engine team at its aluminium smelter in Jharsuguda.
- This team consists of four loco drivers, one gatewoman, and two support staff.
- The initiative aims to promote diversity, equity, and inclusivity in the workplace.
- The women professionals will manage the internal movement of raw materials to ensure efficient operations and maintenance.
- Previously, an all-women team had started operations at the same plant earlier in the year.
- Vedanta has been implementing industry-first initiatives, including 'Shree Shakti' and an all-women managed potline.
- The CEO, Rajiv Kumar, emphasizes the importance of inclusivity and equal opportunities for all employees.
- Sunil Gupta, the COO, highlights the gender-neutral roles designed to provide opportunities for women in core operations.
- Vedanta focuses on hiring based on determination, skill, and the will to succeed.
- Around 1,200 women professionals contribute to Vedanta Aluminium's success in various roles.
- The company empowers women with professional skillsets, advanced training, and exposure to cutting-edge technologies.
- The initiative aims to inspire more women to pursue careers in traditionally male-dominated industries.
- Vedanta's efforts not only build diversity in the industry but also contribute towards a resilient nation.
- The company prioritizes creating meaningful pathways for women in industrial operations.
- Vedanta emphasizes inclusivity as a catalyst for innovation, resilience, and operational excellence.
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Hootsuite
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Brand pitch guide for creators [deck and email templates]
- Influencers can use their influence to secure brand partnerships through a well-crafted brand pitch deck or email, emphasizing engagement over follower count.
- Customizing outreach, showcasing past success, and using the 'three Rs' (Relevance, Reach, Resonance) are key strategies in brand pitching.
- Sharing compelling audience stats, past collaborations, and outlining collaboration specifics enhance the brand pitch's effectiveness.
- Micro-influencers can also successfully pitch brands by following a structured approach and showcasing authenticity and engagement.
- The article provides templates for brand pitch emails and decks, emphasizing brevity, visual appeal, and alignment with brand identity.
- Guidelines for creating an effective brand pitch deck are detailed, along with suggestions for content structure and design.
- The resource offers practical advice on reaching out to brands, regardless of follower count, leveraging audience alignment and content resonance.
- Overall, the article serves as a comprehensive guide for creators looking to secure influencer marketing partnerships through strategic brand pitching.
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Bitcoinist
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Bitcoin War: Michael Saylor Dares JPMorgan And Warren Buffett To Bring It On
- Michael Saylor is unfazed by the prospect of JPMorgan and Warren Buffett entering the Bitcoin market.
- MicroStrategy, under Saylor's leadership, remains committed to Bitcoin, unfaltering in its buying strategy.
- Saylor believes it's still early for Bitcoin, with the current price at $107,918, and predicts legacy firms like JPMorgan may wait until BTC hits $1 million to make substantial moves.
- JPMorgan's recent announcements around Bitcoin hint at a growing interest in crypto from traditional finance institutions, but Saylor remains confident in Strategy's ability to compete.
- Saylor boldly claimed that Bitcoin will never experience another bear market, attributing it to Strategy's continuous buying and anticipated increasing demand.
- The structure backed by Bitcoin enables Strategy to issue preferred stock with improved liquidity and returns, according to Saylor.
- While downplaying competition concerns, Saylor acknowledged that JPMorgan's participation could positively impact Bitcoin's market, potentially driving prices higher.
- Saylor advocates for more tech giants like Apple and Microsoft to embrace Bitcoin, emphasizing a broader vision beyond Strategy's interests.
- He criticized skeptics like JPMorgan CEO Jamie Dimon and Warren Buffett, attributing their views to a lack of understanding of Bitcoin.
- Saylor remains steadfast in Strategy's buying approach and welcomes competition in the market.
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