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Streamlining the creation of personalized legal documents with airSlate SignNow
In the current digital landscape, the capability to effectively produce and oversee personalized legal documents is essential for enterprises of any scale. airSlate SignNow provides an all-encompassing solution that eases the signing process, facilitating collaboration and the electronic execution of agreements, which conserves time and minimizes paperwork. This guide details how to utilize airSlate SignNow for your personalized legal document requirements.
Procedure to develop personalized legal documents with airSlate SignNow
- Launch your internet browser and go to the airSlate SignNow website.
- Sign up for a complimentary trial or log into your existing account.
- Upload the document you wish to have signed or that you plan to send for signatures.
- If you plan to reuse this document in the future, convert it into a customizable template.
- Access your uploaded document and perform any necessary revisions; this may involve adding fillable fields or including extra information.
- Sign your document and add signature fields for the recipients.
- Click 'Continue' to start the setup and send your eSignature request.
Employing airSlate SignNow offers various benefits, including a signNow return on investment attributable to its extensive features compared to cost. It is specifically designed for small to mid-sized enterprises, ensuring user-friendliness and adaptability to your requirements. The platform also prides itself on clear pricing with no hidden fees.
Moreover, airSlate SignNow guarantees professional assistance is available 24/7 for all paying clients. Begin enhancing your document management process today and discover the efficiency of airSlate SignNow.
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Best ROI. Our customers achieve an average 7x ROI within the first six months.
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Scales with your use cases. From SMBs to mid-market, airSlate SignNow delivers results for businesses of all sizes.
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FAQs
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What are custom legal documents, and how can airSlate SignNow help?
Custom legal documents are tailored agreements created to meet specific legal needs or requirements. With airSlate SignNow, you can easily create, send, and eSign these documents, ensuring compliance and streamlined workflows for your business.
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How much does it cost to create custom legal documents with airSlate SignNow?
airSlate SignNow offers flexible pricing plans to accommodate various business sizes and needs. You can start with a free trial, and once you're satisfied, choose a plan that best suits your requirements for generating custom legal documents without breaking the bank.
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What features does airSlate SignNow offer for custom legal documents?
Our platform includes features like customizable templates, eSignature capabilities, and document tracking, all designed to enhance the creation of custom legal documents. These tools help you maintain organization and ensure that your documents are both professional and legally binding.
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Can I integrate airSlate SignNow with other software for my custom legal documents?
Yes, airSlate SignNow integrates seamlessly with various business applications, including CRM software and cloud storage services. This integration allows you to manage your custom legal documents more effectively by streamlining your entire document workflow.
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What are the benefits of using airSlate SignNow for custom legal documents?
Using airSlate SignNow for your custom legal documents offers signNow benefits, including time savings, increased efficiency, and enhanced accuracy in document management. With easy-to-use tools, you can focus more on your core business activities rather than getting bogged down in paperwork.
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Is it secure to store custom legal documents with airSlate SignNow?
Absolutely! airSlate SignNow employs advanced security measures, including encryption and secure access controls, to protect your custom legal documents. You can feel confident that your sensitive information is safeguarded while using our platform.
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How can I customize my legal documents using airSlate SignNow?
airSlate SignNow provides a user-friendly interface to edit and customize legal document templates easily. You can add or remove clauses, change wording, and structure your custom legal documents to fit your specific legal needs with just a few clicks.
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What is needed to get a personal loan in India?
A personal loan is an unsecured advance offered by both banks and NBFCs to any eligible individual. Personal Loans for Salaried class include people working in private or government enterprises and does Salaried Doctors working in health institutions, CAs working in companies, employees of Public listed and Private limited companies , MNCs, SMEs and Government Sector employees including public sector undertakings. Each bank has separate minimum criteria for income, age, employment type, credit score, job status, etc. You will need to meet these criteria in order to qualify for a personal loan.Personal Loan Eligibility1. Minimum and Maximum AgeThe minimum age for getting a loan is 21 Years whereas the maximum is 60 Years.2. Net Monthly IncomeFor salaried individuals, timely and regular salary credit is important to get eligible for loan. Min. Rs. 20,0003. Employment TypeSalaried customers have more choices for personal loan banks. Interest rates are typically in the range of 10.99% to 33.00% per annumPersonal loans to self-employed professionals and businessmen are classified as Business Loan4. Minimum Work Experience2 years of total work experience. Some banks also give loans with 1 year of total experience. Tenure from the current company should not be less than 6 – 12 months5. CIBIL Score for Personal LoanThe CIBIL Score for a Personal Loan should be more than650 & more credit history. The more the Credit Score the more chance for getting a LoanDocumentation RequiredDuly-filled and signed application form2 passport-size photographsCheque – Processing feeProof of Identity – Voter ID/ Passport Copy/ Driving License / PAN Card (any one)Address – Passport Copy/ Utility Bill (Electricity, Water)/ Rental Agreement/ Ration Card (any one)Income (depending on type of employment) – Latest Salary Slips (3 months) / Bank Statements (3 – 6 months) / Passbook (3 – 6 months)/ Current Salary Certificate (any one)Tax paid – Latest Form 16/ Income Tax ReturnKYC Documents – Address Proof, proof of Date of Birth, Identity Proof.How Income determines your Eligibility?Monthly Income to get personal loan should be at least Rs. 25,000. However, some banks give loans to individuals with salary less than Rs. 25,000. Banks also follow different limit to calculate the ratio of fixed obligations to monthly income.Suppose, your income is Rs. 25,000, then bank calculates your eligibility such that fixed obligations do not exceed 50% of your income. However, if your income is more than Rs. 35,000 per month, then banks will allow higher fixed obligations to income ratio of 65%, which means that your fixed expenses (including rent and other EMIs) can be up to 65% of your income to be eligible for a loan from a bank. Higher the income, better are the chances to get high loan amount.How to improve your eligibility for personal loan?You can improve your eligibility for personal loan by doing following things:To increase your eligibility, pay off your running debts firstPay your EMIs or other obligations on time to improve credit history and to negotiate with banks in future to get high loan amountTransfer your existing loans to lower rate to reduce your existing EMI and to get new loan of higher amount.FundsTiger can arrange loans from all the banks we can help you to get all types of loans and also balance transfers on existing loans and can also help you to giving free credit consultation.
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Are there any standard contract templates that investors and founders can use for startup funding?
This is something that would, of course, benefit everyone involved. The problem, however, is that it is much more complicated than it appears on the surface, for many reasons. Here is what exists so far:The Gold Standard Model Documents for a VC RoundSeveral years ago the National Venture Capital Association put all of the major venture law firms into a room, locked the door, and told them to not come out until they could all agree on one investment term sheet and the template documents to back them up. The assumption was that these would be used for an early stage venture capital fund making a first round (Series A) investment. The result is the document set that is the standard for virtually all current VC deals ever since. The good news is that it is comprehensive, standard, well documented, known to everyone, and widely accepted. The bad news is that the term sheet alone is 14 pages, the resulting "template" documents are well over 100 pages, and because it is so comprehensive (including dealing with such arcane things as what rights will investors have with their shares after you do an IPO), it is very time consuming and expensive to negotiate and document, and will probably cost at least $50,000 in legal fees (combined) to close. That's fine if you're raising a $10m round, but not so good if you're raising $100,000.Model Legal Documents - NVCAThe Best* Documents for a Professional Angel RoundWith angel groups becoming increasingly professionalized over the past decade, angel investors moved from simply purchasing Common stock, to using Convertible Notes, to eventually using the NVCA Model docs so that the company would have a known capital structure when it came time for its next round financing. But since angels were typically investing much less than VCs, the signNow cost of doing an NVCA deal meant that much of their investment ended up going to the lawyers, which wasn't helpful. While for some angels the pendulum swung back the other direction to a structure with almost no provisions (the Fenwick & West Series Seed documents, described below), most professional angels and organized angel groups felt that was going too far. As a result, Gust, working with a number of angel groups and law firms, created a middle-of-the-road document set for early stage deals. It strips out most of the unused, edge-case provisions from the NVCA docs, but still includes a few rational protective provisions. This was documented in my book Angel Investing, and is now the standard for angel groups and professional angel investors. It also comes with a thorough annotated version explaining all the terms and provisions.Gust Series Seed DocumentsThe Easiest Documents for a Quick Seed RoundAs noted above, the NVCA model documents were so complicated and expensive that they are prohibitive for a small angel or pre-angel investment round. Because of this, a public-spirited attorney named Ted Wang from the law firm of Fenwick & West took it upon himself to work with a number of seed funders and startups to strip all the complicated stuff out of the NVCA docs, and do the barest of bare bones term sheets that could be used to document a Convertible Preferred investment round. A number of early stage funders have expressed support for this set, in the interest of trying to get away from the complexity of the NVCA set. However in practice, most of them seem to end up adding various custom provisions back in, which defeats some of the purpose. Since releasing the original version, Ted has maintained and updated the set, which is now up to Version 3.2. If you are doing a Friends and Family round, this SeriesSeed set might be a good, low-overhead, little-explanation-needed, way of getting something signed fast.SeriesSeed.com by Fenwick & WestThe New Wave Documents for Hot Rounds/Easy AngelsYCombinator, the world's leading accelerator program, found that many companies in their orbit were seeking a simplified set of documents that would enable them to take in very early investment money without a traditional, expensive, Preferred Stock offering that would require setting a valuation on the company, closing all investors at the same time, and negotiating terms. Historically, this would be done through a Convertible Note—a loan from the investor to the company, which everyone agreed would convert into Preferred Stock once a bigger investor came along. But loans have maturity dates and other rights which the YC founders didn't want to deal with. The result is the Simple Agreement for Future Equity. Since these are very company-tilted, they have primarily found use in cases of companies in a position to set their own terms, or non-professional investors who are comfortable leaving their protections for future rounds.YCombinator Startup DocumentsOnline Term Sheet GeneratorsThe four sets of documents above are complete. That is, they include both term sheets (which describe the general terms of the investment) as well as the underlying documents that actually implement the agreed-upon terms. Two of the leading venture law firms, to help make the startup funding dance easier, have created online programs that walk entrepreneurs and investors through the process of negotiating an investment term sheet, and that result in a singable document. These term sheets then become the basis for the full set of documents (similar to the NVCA docs above) that the law firms will then generate for you. As such, these generators can be a useful starting point for a funding round, but need to be followed by additional legal documents.WSGR Term Sheet GeneratorOrrick Term Sheet Creator*"Best" is a subjective term, and in this case, the fact that I happened to have supervised the drafting of this particular document set means that I know it's the best for a serious angel round. But your mileage may differ [cough].
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How can I make a digital signature on my digital photos?
You make a watermark by using image editing software to overlay your "signature" on the photo and save the results.This is a common action in products like Aperture and Lightroom, which are the recommended photo editing and management tools for beginners.What's the best photo management software for amateur photographers?
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Silicon Valley: What happened to LawPal?
LawPal was an amazing journey for everyone involved which sadly did not work out. I've yet to write about the evolution of the company but here goes... Here is my personal experience of the 3 main stages of the company. 1. Document Assembly The original idea for LawPal was a document assembly service that would give consumers access to a wide range of largely commoditized legal documents for free. Similar to the document assembly UXs employed by Legal Zoom and Rocketlawyer, LawPal would allow users to quickly spin off a wide range of documents, execute them online and then buy related services. Our hypothesis was that the creation of legal documents usually coincides with major life events and people could be upsold related services including financial products. We built a rough prototype of this system and began to seek out quality content (forms). It became increasingly clear that the primary market for free forms were not people who were currently using lawyers but rather people that were currently not doing anything at all. We came to the conclusion that this was a particularly difficult audience to build a business around and a pivot was required. The output of this Q&A process was particularly poor and often left the consumer in a worse position than doing nothing at all. (Shake legal has executed well on this idea)2. Startup Legal Services MarketplaceThe idea we moved to (and launched) was a match making and workflow platform for startups and their attorneys. Startups would come to LawPal, fill out a short on-boarding questionnaire and then either pick a pre-priced legal service if eligible (formation, seed etc) or get a custom quote. They would then be given a range of lawyers to pick from. Once matched, we would introduce efficiencies in the attorney-client relationship by helping them work online through a transaction checklist (a list of documents required to complete the deal). This was interesting. We matched a range of startups with legal council and were successful in both getting them great fixed fees on their initial work and helping them work (a little bit) more efficiently. (Horribly difficult to monetize due to fee splitting regs).Problems arose on two main fronts. The first was that larger firms were deferring fees for initial legal work to win clients. Founders time and time again were not seeing this credit line as a real expense as it would be called in at a time in the future when (they thought) everything would be rainbows and kittens and they could pay it with the swipe of a pen (or not at all). Experienced founders were the exception here. The lure of big firms with shiny offices also played a part here. Big firms would offer introductions to angel investors but as an inexperienced valley angel pointed out, an introduction from a lawyer is quite often one of the weakest for an early stage company and this offer rarely comes good (there are exceptions!). The second was that whilst we were fixing the fees for legal work, the scope of work would invariably change (undisclosed agreements, founder changes etc) and this would frustrate the relationship. The Uber for Law model we were trying to create (sorry - a cliché i know) was not just not sympathetic to the realities of the legal consumer/supplier dynamic. 3. Trello for LawWe liked the efficiency part of the business more than the match making piece and decided to double down on that. I traveled to a small town in Germany and my co-founder Ross and I hammered out a revised version of the platform that removed the matchmaking piece of offering and focus on the efficiency part. We launched at the 2014 ABA tech show in chicago.The idea was traffic control for legal documents, a layer top of cloud storage/DMS. From client intake to internal draft to client review and eventual execution, LawPal would give everyone involved in the transaction visibility on their piece and tasks they needed to complete (review this, sign this etc).It was a really nice piece of software. Clean, fast - for the technically minded a Django backend with an AngularJS gui on the front. It integrated with crocodoc's document annotation tools and signNow. The product launched, gained a little traction and a lot of feedback but ultimately not enough to sustain a viable business. We closed end of 2014. There were a few factors that contributed to it's closing : 1. Email - I can't overstate this: Lawyers live in email and despite doing deeper and deeper integration into email clients we failed to ween them off this habit. If a client wants to signNow their lawyer, they are going to ping them in an email, not use a platform, no matter how elegant. We contemplated getting really sophisticated and giving lawyers LawPal integrated email addresses but it felt like a unchangeable behavior (i'm sure this will eventually change). 2. Team Fatigue - Founders are supposed to be superhuman but sometimes it's just really hard to carry on with something when there is hardly any traction. At the end of this third iteration we decided to call it a day. We couldn't, hand on heart, go back to investors for more money. I've had enough things work and enough to fail to know when there is a future in a project. 3. The small firm//big firm casm - We found that buying behavior and mindset of big firms and small firms were totally different and there wasn't a whole lot in between. Small firms didn't (usually) view their time as a cost so efficiency was less important. They were primarily interested in attaining new business over executing existing business in less time. Big firms were interested in efficiency but had a very slow buying cycle. They also required integration with a plethora of legacy IT systems and sent us checklists of requirements for IT they were going to aquire. I remember sitting in a meeting at a top 5 valley law firm. We demo'd a lawyer at this firm the LawPal platform. He said, "i love it, this would save us a heap of time, but we'll never be able to use it". He looked defeated. As someone that has worked in startups all my life, the idea of wanting to adopt something but being held back by red tape and institutional convention was foreign. My co-founder Yael remembers the perplexed look on my face. 4. Naivity - We wandered into a monster of a problem and in hindsight were pretty ill equipped to take it on. Crazy people are often the ones that solve crazy big problems but the risk is high and success is often elusive. What's next?We are considering open sourcing the LawPal V3 platform. It would be nice for the codebase to be put to use. I think that big law will continue to make "we're evolving!" noises but little will change for a while. Clients will pull lawyers to use more efficient tools as they did with Blackberrys in the 90s. True legal automation is really much further away than Richard Suskind will lead you to believe but that's not a technological issue, is a cultural one. Small firms will use Clio and co but the bulk of solo IT adoption will be in generic products like Trello, dropbox, box and co. Small firm legal specific IT is not going to set the world on fire - i'll leave that for a separate post.As a side note, I learnt a valuable personal lesson in this journey - i need to work in space that still inspires me at 2am on Friday morning when i'm debugging code. Law was perhaps a bit too foreign for me. I have recently joined the Product team at Teespring, a company that is revolutionizing a whole category of ecommerce, it's a lot of fun, fast moving and much less serious subject matter. The LawPal experience was an amazing one and i'm truly grateful to those who supported us and to my co-founders who i hope to work with again some day.
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What does it feel like to be shot by a high powered rifle?
LET ME CLARIFY SOMTHING FIRST: I was hit by a splatter ricochet and a small piece of frag. So, when you read all this and the comments it is not like I had a full round in me and luckily I had my plates in my flak. I had other severe injuries already as mentioned, like ruptured discs in the same area. There is a lot more to the story, not mentioned.I was shot by a sniper in Afghanistan. Actually, I had my flak on and a ricochet went into my lower back. It felt like someone smacked my back with a fly swatter except that fly swatter had a pebble on the end of it and the fly swatter had titanium force. That was the quick instantaneous feeling I had, almost to short to notice and not even enough time to go hmmmm. Next, I had the immense sensation like someone took a scolding hot knife down butter and then what followed was an unusual thick throbbing pain. Now, imagine you go to crack your finger or neck and that moment right before it cracks, except add lots of aching pain like someone hit you with a hammer. Like hitting your finger with a hammer. Now for me, the most worst feeling was not being given any medical attention or evacuated as a casualty but continue on and push myself through war carrying so much combat load you wouldn’t believe me. Paralysis set in within 48 hours, probably sooner but my body went into shock and I had hypothermia twice in one night, the same night I was shot. The bullet frag remained and I had severe priapism afterwards. Yes, I managed through war for about three weeks more with priapism, partially paralyzed, and immense pain. I did not receive any proper care, no puple heart, nothing from the military and the VA treats me like crap because nothing is wrote down, like nothing ever happened. Sucks.Update: Also had three herniated discs with one fully ruptured from strain of combat load.MRI that was done properly two years later showed fragment and I woke up during surgery screaming after Dr. was talking about me being shot.This sounds too unbelievable to be true; how a command be so bad. It was horrible, every day was a nightmare. Much more on all this subject, but it might be for another quora. I had a lot more than that going on and am lucky to be alive. To give you a hint: you know the US invasion into Iraq was based off bad intel from Iraqi Security services with their snoops as theree were four or so Iraqi’s with the means and knowledge and within the Hussein regime providing Al Qaeda CBRN and other materials.Long story short, military did nothing for me and it trickled on down the VA and my life has been a living hell for the last 16 years. Being a war hero means little, it is all about survival, or your going to die, and someone has to do it. I am not some war hero. It’s just my story.For people to understand what it was like to walk afterwards with a conbat load plus. How, my natural instincts kicked in, although I could not move my legs I did with my brain, sending signals to each leg to control how they moved. I did this for over two miles, while contemplating enemy killing me each step. Imagine you instructed your arm to raise like a computer program. You think I am unbelievable or is impossible, it is not: Man walks again after years of paralysisI have been paralyzed for 16yrs. now, it has been very difficult and I worked and worked to find solutions because I believe us humans have the ability to regenerate, but it isn’t totally discovered yet. I will post up later more about this.Lastly, if anyone is looking to be a ghost writer or anything regarding these things, I have a heck of a story and can back it all up. People out there don’t really know that it is possible to be under such a hellish command left to die and have it all wrap up later within the VA treatment of you either.
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What are the most effective ways of increasing SaaS activation rates?
Here are the high-level things we've done at Close.io to activate folks more often:Call signups as quickly as possible. Within 30 minutes if possible. Your signNow-rates should easily be > 25%. The quicker you can call someone after signup the higher the likelihood of signNowing them and being able to have them in the "product frame of mind".Pseudo-personal welcome email. I send an automated email to all of our signups some random number of minutes after they signup. Just a quick, text-only, message welcoming them and giving them a few pointers. Responses go directly to me and I will always reply within a few hours. This establishes a direct line of communication with a founder from day one and gives them an easy mechanism to send support requests, etc.Short trial periods. Liberal extensions. It's common to sign up for a service, get distracted, and forget you ever signed up. We use a short (14 day) trial period but send two notices of trials expiring. We even automatically extend some folks. This has been a great way to reactivate larger accounts who have lengthier decision-making processes.1 hour training sessions. Our product can be complex and there are a multitude of ways to successfully use it. We like to use our training sessions to understand how you're currently operating your business and then focus on how to solve your business challenges with our software. Remember: every business is different -- your trainings should be focused on solving those unique challenges.F*cking Amazing Support ™. Support is an extension of sales -- be fanatical about it. Our help chat is staffed by our engineering team at the most ridiculous hours of the day. The team is always there to help and if there is an issue there may be a good chance we can solve it on the spot. It's not uncommon for us to be answering support requests at 4am.
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How do I sign digital on a mobile?
Digital signatures are booming in the industry for a lot of reasons now. Particularly because it’s fast, saves time and is very cost effective. Digital signature solutions improve document accuracy to a great extent. Users look forward to this mode of signing documents for its seamless and instant process which requires just few clicks on the mobile. However the process behind the scenes are much complex and occurrence of a series of functions that makes digital signatures secured and safe model of signing documents electronically. The most highlighting fact is that with being the most secured means it also stands long term legal validity which makes it a huge advantage for industries to look forward to it.Here's How To Sign Documents Digitally On Mobile:On your mobile download your chosen digital signature app by installing its Android or iOS version whichever you use.Launch the app and the document icon to open a document for signing digitallyIn case you have the document on email. Choose to import it from there or from Dropbox. You can also take a photo of a document. If not any of this open the attachment in your email and choose to open it with your document signature software.Open the document and look for the line where you have to sign digitally. Zoom in that section and then tap on the signature buttonSign on the line by either typing, drawing your sign or simply attaching the picture of your signature from the gallery and then tap the OK button.Make sure it’s placed precisely where it is asked to. Shrink or enlarge as needed and then click on the Done button.Last you can choose between either to email the document or save it to your device.So this is it, these are the simple steps that you need to follow for signing documents digitally from your mobile device. This way you can conveniently sign digital documents from anywhere, and no more struggling with the shackles of a printer and scanner. If you are new to this then start of by using free digital signature software, later on you can move onto a higher version of the app as per your business needsThat’s It Hoping This Was Helpful To You!
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As a sixteen year old, can I change my signature?
There are several ramifications to changing your signature. As a 16 year old, since you are not of legal age in the US it would have no legal weight, but if you file taxes you would have to report the new signature as an alias to the IRS. Otherwise, there would be an emotional release from your linage, whether this would be a good or a bad thing depends entirely on you. So the change if you decide to do it related to self image could be a good thing. If you change it because of a need to avoid or hide from legal (fraudulent) concerns, that might add to your charges. If you are looking for a stage name, you have to look to the acting unions to see if that name is available. There is also the problem of school records. An arbitrary name change could negate your existence regarding transcripts and eliminate the possibility of getting into university. But if I was Barron Trump I would do it anyway. People with unusual names have succeeded both because of and in spite of their names. Smuckers and Schwarzenegger to name 2. Also when you look at a name change, check and see what hidden words are contained in both your name now and the new name. You don’t want to become the next Tom Riddle. In essence you want to walk proud with your name so the change needs a pure intention in my opinion. In numerology the first 2 letters in you name tell the world what you are capable of and the last letter is how they will feel when you leave the room. Take William and Bill. The Wi tells people that you would bring recognition and completion to their world and the M gives them a feeling of a strong foundation. With Bill the BI gives a feeling of partnership and follow through and the L gives a feeling of clear communication. So do some research and see what you have now and what you would gain, and be clear as to why you want to change. So the change can lift you up instead of just create temporary confusion.
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What is it about Canada that American liberals are not getting? Suppose I'm an American liberal, and I successfully and legally
As an American liberal who legally moved to Canada in 2004, here were my biggest surprises:“Canada, it’s like a whole other country!” — As dumb as it sounds, and as educated and informed as I felt like I was at the time I moved, I still drastically underestimated the impacts of an international move in general:All the paperwork to apply for all those documents you’ve “always had” in the States, like Social Insurance Number and vehicle registration and driver’s license and brand new bank accounts and so on, in addition to the standard moving stuff like apartment hunting and setting up electricity and internet. Not to mention it’s just a lot of work reapplying for all those things all at the same time, when you had 30+ years to accumulate them the first time.It’s suddenly an international call to talk to friends and family in the US, and unless you want to pay crazy US roaming fees forever, you’re going to want to switch to a Canadian mobility provider ASAP, which may also mean you need to pay off your remaining device balance. A pain, when the move itself is already expensive.If your car isn’t paid off, most auto loans explicitly forbid you from skipping the country with it unless you settle up or sell it. This was a huge unexpected expense for me. I elected to pay it off and ship it. In retrospect, I should have just sold it. Either way, it’s a big cash investment.Also, all your life savings? It’s in the wrong currency now. Start coming up with a plan for that.Oh, and credit rating? Back to zero. It’s like you just turned 18 again. Buying a house is about the only thing lenders will check foreign credit history for; otherwise you’re starting from nothing. And until you’re at least a permanent resident, be prepared to be asked for a Canadian co-signer to be approved for home loans. You probably take your current credit cards for granted, but they’re in the wrong currency too (conversion fee to use them, and second fee to pay them), and without any credit history your first Canadian one will likely require a security deposit, and it will take at least a year before you’re trusted with an unsecured one. (By the way, find a way to keep at least one US card somehow, with a US billing address. Another mistake I made.)All your favourite products and services you’ve spent a lifetime in the US developing habits around? They’re all “imports” now. Unless you’re made of money you’ll have to change your buying habits to figure out the Canadian-owned department stores, clothes retailers, hardware stores, etc. Even California wine and Jack Daniels whiskey are now found in the “imports” section, too, and priced accordingly (yes, of course many people still drink them, but a lot fewer when they suddenly cost so much more than similar quality local products). The Banana Republic pants that were my default nice work wear jumped from $70USD a pair to $180CAD a pair. When I was already cash-strapped from the move, it was time to find some Canadian pants I liked, fast.Similarly, many online services (Pandora, Hulu, certain Youtube videos) aren’t licensed to work here at all, and many e-commerce sites (that never say “US-only” anywhere on them) don’t ship here, or at best the international shipping costs are prohibitive. Some of them you don’t even figure out until you’ve gone through the entire shopping and checkout process only to have it choke on your shipping address or postal code. You’ll learn to really love any websites that have a .ca at the end because at least you’ll know they work here.If you follow politics (as most Americans interested in becoming expats for political reasons do), you’ll find the parliamentary system in Canada very different. Expect to understand very little of the political news until you’ve had a chance to learn how it works.And generally, stuff just feels *different*, and the general sense of alienation you feel at first is palpable. No one thing is hugely different, but a relentless flood of thousands of things are at least a little bit different all the time, giving you a constant Twilight Zone feeling for the first year or so. If you moved to China the differences would be no surprise, but for some reason Americans moving to Canada assume that things will be way more the same than they are.And then there are all the more fundamental differences:You’re an immigrant now. People will point out your American-looking clothes (you don’t believe me, but I’m serious), your funny figures of speech, your strange proclivity for imperial / US customary instead of metric units. Government processes will point out at every opportunity that you’re a newcomer here, and until you obtain permanent residence and citizenship, remind you not to get too comfortable since you’re only a visitor. You know all those Americans constantly asking “I don’t know why those people don’t just go back where they came from…” and “They’re taking our jobs…” and so on? At least many of “those people” were fleeing poverty and famine and war. Now you’re one of those people, and don’t really have a compelling life-and-death reason for being here. The vast majority of people are nice about it, but a few aren’t, especially if they’re unemployed or have an axe to grind, and all it takes is one of those comments every few days (even if it wasn’t even aimed at you specifically) to make you wonder if you’re really welcome here. Some Canadians seem to be bitter at Americans in general, so you have to have a thick skin and realize it’s not personal, and a lot of the time they’re just criticizing Americans in general for the same things you already criticize right-wing Americans for.“Once you’re here, you’re here.” Every visit to the States is an international trip, and your initial immigration status (especially if it’s a work permit visa) may place limitations on when and how you can cross the border, and your income taxes definitely place a limitation on how many days you can spend out of the country and/or specifically in the US. Prepare to feel a little bit trapped at first. At some points of the immigration process, you’re not allowed to leave the country at all for several weeks or months at a time. I always feared Murphy’s Law would mean a family crisis would choose exactly one of those times to happen. Oh, also, the US is one of only two countries in the world that requires you to file income taxes for life, in addition to FBAR financial reporting requirements for practically every dollar you own outside the US — you’ll come to resent this quickly, but it’s a good horror story to tell Canadians thinking about US citizenship.Others mentioned the metric system, and it wasn’t that per se (the adjustment from Fahrenheit to Celsius for weather reports and thermostats being the hardest, but otherwise most Americans know some metric from school), but the approach for some measurements in general is really different. Like how car mileage is measured in L/100Km instead of miles per gallon, so it’s totally upside down, with good fuel economy being a LOWER number like 10 and bad economy being 20, rather than the other way around. Gas prices in $CAD/Litre also take some getting used to, especially since the prices are much higher too — you basically just have to learn what’s good again (“$1.25/Litre? I need to remember that place!”) EDIT: It’s been pointed out to me that 10L/100Km is still pretty bad. See? I’m still struggling with this one.If you’re a gun aficionado, frankly, just forget it. When Americans rail on about gun ownership being a right, many Canadians view that almost as barbaric and backward as saying slave ownership is a “right” or forcing your daughter to marry the person of your choice is a “right.” Yes, there’s a well-defined process for legally owning a firearm, and a not insignNow number of Canadians do, but gun ownership is just talked about differently here; if anything, it’s a more of a practical necessity (like if you live in the Yukon and have to fend off bears), and therefore the Canadians who do own guns mostly view it as a dangerous and special privilege. And from a practical consideration, getting licensed to own and handle a gun in Canada is something that happens before you’re allowed to own your first gun, not after, so it’s no big deal for anyone who grew up here, but a total reset for someone who’s a new arrival: you’d have to sell most or all of your collection until you got your paperwork in order and could buy a gun again, would feel really uncomfortable with all the sudden regulatory hoops, and even after that constantly feel like you had a hobby that a lot of Canadians considered sort of “dirty.” I really can’t imagine any dedicated American gun fan feeling happy with the consequences to them of moving to Canada, and it’s the one American demographic for whom I think it’s a non-starter.Winters are long and dark. Coming from many places in the US, the latitude difference is signNow. I never even realized I suffered from SAD until I moved here. Now it’s a challenge that haunts me 3–4 months out of every year. Especially in Vancouver, it’s not the winter cold that gets you — it’s the only 8 hours a day of daylight, most of those even being covered by relentless thick clouds for days or weeks at a time. It’s worth visiting in the winter first to see how the weather and the darkness affect you, because it’s hard (and costly) to change your mind after you’ve moved.No matter what you think, you ARE a racist and sexist, and Canada will prove it to you. You may be the nicest, most open-minded American you know, but immediately after you arrive in Canada it will strike you as “odd” that so many public leaders and people running for office in Canada or even faces on realtor signs are women, people of colour, recent immigrants, or people whose clothes make it clear they’re members of non-Christian religions. And you’ll wonder why. And then you’ll realize that even in urban, liberal constituencies in the US, the huge majority of people in power are old white Protestant Christian males, and your whole life you’d accepted that as what people in power simply look like. But that’s part of why you’re here: It will make you a better person, and readjust your assumptions about what makes an “average” person. But learning this about yourself can feel shameful and depressing initially, especially if you pride yourself on being open-minded. It happened to me.But on the flip side, Canada really gets it right — the things that many American liberals dream of. There are some “honeymoon is over” moments when you realize paperwork is always annoying no matter what country you live in, but in general, things here are good. After the first little while of fighting through the healthcare registration process, for example, you’ll find the actual experience pretty nice (especially emergency room visits — no paperwork at all other than your health card, and no bill at the end), and you’ll be genuinely baffled by conservative Canadians who claim they’d like it better the American way. Those are often fun conversations (“And then in the US your private insurance company gives you a book or website with the list of the 30% or so doctors in town that are eligible for you to go to under their specific plan, and even then, your insurance may just decide it doesn’t want to pay them half the time and there’s almost nothing you can do about it….”) Same goes for government, schools, labyrinthine American income taxes versus the simpler Canadian ones, and so on. It’s not black and white, but on the average, things up here are definitely better. Just definitely different.Best of luck.
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