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FAQs
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Did Raghuram Rajan know about the demonetization scheme of Narendra Modi?
The following persons only were aware of the plan.1. PM Narendra Modi2. Finance Minister Arun Jaitley3. RBI Ex-Governor Raghuram Rajan4. RBI Governor Urijit Patel5. Secretary of Economic Affairs Shaktikanta Das6. Secretary of Investments & Currency Dr. Saurabh Garg7. and a few others in finance ministry.Because the plan was finalized six months back and Mr. Rajan left office on 4th September 2016 only. So such a decision can’t be carried out without the approval of RBI Governor.The detailed execution went something like this.Before Six Months- Plan was finalized and execution for the D-Day started.June - Banks were directed to dispense more 100 rupee note by RBI.Before three Months- Design of new 500 & 2000 rupee note was finalized and went for printing at Mysuru Mint press.PS: Only the design of the plate was finalized. The printing didn't start that time as Mr. Rajan denied continuing for next term and new governor was declared.The printing facility at Bharatiya Reserve Bank Note Mudran Private Ltd. (BRBNMPL) in Mysuru under Reserve Bank of India was set up with the De La Rue Giori, now KBA Giori, Switzerland.20 August - Mr. Urjit Patel was declared as new governor.4 September - Mr. Urjit Patel joined office as new governor and gave a green signal to Modi for demonetization after a thorough discussion. He sent his signature sample in English and Hindi to be added to newly designed 2000 currency plate.5–6 September - Signature was added to the plate and new dye was made. Printing of currency started.27 October - The central bank put out a warning about fake currencies on its website. It asked banks to put entire banking areas under CCTV surveillance and ensure that cash receipts in the denominations of Rs 100 and above are not put into re-circulation without the notes being machine-processed for authenticity.The CCTV surveillance is now being used to monitor and record all the money exchanges that are taking place at banks.2 November - Banks were directed again to dispense more Rs 100 notes through ATMs within the next fortnight.7 November - The Heads of currency management divisions in all banks received a confidential communication from the Reserve Bank of India (RBI) to be present at the headquarters.8 November Morning- They were given charge of a double-locked currency chest, which they were told contained currency notes of the new denomination: Rs.2,000.Though it also had the RS 500 new notes, but it wasn’t disclosed.8 November 7 PM- All MDs of banks were called for a meeting at RBI and were kept waited till 8PM. At PMO, all cabinet ministers were called for a meeting, but no one was allowed to carry mobile.Privacy was of top most priority. Even leak of the news by a few minutes could have caused disaster.8 November 8 PM- Disclosure of demonetization by PM on National TV.The entire nation came to know about it at the exact same time.A master stroke that left the nation spellbound !But the question to ponder is - Did Mr. Rajan leave the office, because he wasn’t in full support of the plan ?Here is what he had to say on demonetization in 2014: Ref“I am not quite sure if what you meant is demonetise the old notes and introduce new notes instead. In the past demonetization has been thought off as a way of getting black money out of circulation. Because people then have to come and say "how do I have this ten crores in cash sitting in my safe" and they have to explain where they got the money from. It is often cited as a solution. Unfortunately, my sense is the clever find ways around it.They find ways to divide up their hoard in to many smaller pieces. You do find that people who haven't thought of a way to convert black to white, throw it into the Hundi in some temples. I think there are ways around demonetization. It is not that easy to flush out the black money. Of course, a fair amount may be in the form of gold, therefore even harder to catch. I would focus more on the incentives to generate and retain black money. A lot of the incentives are on taxes.My sense is the current tax rate in this country is for the most part reasonable. We have a reasonable tax regime, for example, the maximum tax rate on high-incomes is 33%, in the US it is already 39% plus State taxes, etc., it takes it to near 50. We are actually lower than many industrial countries. Given that, there is no reason why everybody who should pay taxes is not paying taxes. I would focus more on tracking data and better tax administration to get at where money is not being declared. I think it is very hard in this modern economy to hide your money that easily.”Source - LivemintHuffingtonpostBusiness StandardEdit1: The new 2000 currency note was initially printed at Mysuru Mint. Thank you User-12623941048551877892 for pointing this out. ReferenceEdit2: Those who are cursing the government for demand supply mismatch of notes should read below possible reasons.a) Had Mr. Rajan had continued as governor, the scenario could have been different. More 2000 notes could have been printed due to availability of time.b) Only one printing press (Mysuru) was used to print the new notes initially. So it limited the printing capability and increased the distribution duration to all banks across the country.c) Only availability of 100 rupee notes decreased ATM's capability in terms of value.d) Change in dimensions of the currency note increased ATM up-gradation time both in terms of software and hardware.e) The no of ATMs for withdrawal got reduced as CDMs couldn't be used for withdrawal. Otherwise people would get same old currency deposited by some other person.Details on SPMCILThank you everyone for the Upvotes. This is not so a customary ‘thank you’ note, but it means a lot to me in keep going. This was my 2nd answer on Quora and 1st answer to receive 1000+ Upvotes that too within two days. :)PS: I’m politically neutral and don’t have any strong support for any of the political parties. But whenever I come across some exceptional steps by them( may be by BJP or Congress or AAP), I criticize or appreciate. The scenario is not ideal always and as per a report 61% of all projects fail to succeed (delivered on time, on budget, and with required features and functions) 43% are challenged (late, over budget, and/or with fewer than the required features and functions) 18% fail (either cancelled prior to completion or delivered and never used). So let’s appreciate this man for the huge step taken.
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Is the cryptocurrency Bitcoin a good idea?
Yes.Here’s the problem: most people who know a lot about Bitcoin can only speak “tech”.I was at a conference recently. I was the keynote speaker but had zero talk prepared (as usual). It was a crowdfunding conference so I “crowdsourced” my talk.I asked the audience: I can talk about entrepreneurship or I can take fifteen minutes to explain Bitcoin without using any technical jargon. Clap for which one you want.Almost 100% of the people wanted to learn about Bitcoin without the technical jargon.People are hungry for this. They don’t want to hear about “crypto” or “blockchain”. They just want to know what all this Bitcoin stuff is about.Back in 2013, I thought Bitcoin was a scam. I was wrong.First, some credentials.In early 2013 I had my doubts. I started reading everything I could. Then I got my hands dirty.I’ve been a coder / programmer since 1985. I decided to code up a Bitcoin only store (maybe the first ever) and sell my book, “Choose Yourself” on it before it was released on Amazon.It was very hard. I had to develop the store from scratch since there were no easy tools to help me. There still isn’t (hint: business opportunity).Once I launched it, quite a few people bought my book. I sold a PDF of my book for 0.1 Bitcoin. Bitcoin was then $60 so I sold it for about $6 per PDF. Right now, it’s as if I sold each PDF for $1600. I sold many copies.I went on CNBC when they heard I was doing this. The anchor asked me, “Did you just do this for publicity?”I said, “Well, I’m on national TV so I guess it worked.”Another thing worth noting: Most of my customers came from one domain name (they had to submit their email addresses for me to process the sale): Amazon.com. Make of that what you will.A few months ago I started writing about cryptocurrencies again. I saw so many people getting involved in scams, I wanted to help.The other day I had an Uber driver who thanked me during the car ride for helping him “get it”.And last night at a restaurant, the waiter at the end of the meal shook my hand and thanked me for helping him “finally” begin to understand what Bitcoin was about.In order for crypto currencies to succeed, people need to understand at a basic level what they are. Nobody needs to learn complicated cryptography or blockchain.Just understand why now. Why this is important for us a society.TWO CRITICAL REASONS BITCOIN IS HISTORICALLY IMPORTANT AND HERE TO STAYJust understand these two reasons. Then you will know the potential for Bitcoin. And you will be popular at cocktail parties.A) THE HISTORY OF MONEYEvery new style of money solves the major problems of the last style of money.BarterIf I have a bag of rice and I need shoes, what if you make shoes but you only need 1/2 bag of rice. Do I get 1/2 a pair of shoes?Barter has a lot of problems. In the above, coming up with the rice to shoes exchange rate is difficult.Then coming up with 1000s of exchange rates just to go out and buy groceries is almost impossible.PLUS, what if you have to move (your kingdom is attacked). How are you going to carry all that rice? All of those shoes?Money has two purposes:as a store of wealth / savingsto make transactionsThere’s a third, which Ray Dalio, the head of the largest hedge fund in the world, Brigewater, told me the other day. But we’ll get to that later.Barter is horrible as a store of wealth. And for transactions, best case it’s very difficult.But problems lead to opportunities. Which leads to…2. PRECIOUS METALS / COINSGold and silver are scarce. It’s hard to mine them.But it’s hard to forge them because you can measure by weight.So the scarcity combined with the lack of forgery makes them good choices for money. I can convert my rice into gold coins, you can convert your shoes into gold coins, and now we can trade and now we can buy whatever we want.(Marcus Aurelius on a gold coin)As a store of wealth, it’s not great but not horrible.If my kingdom is attacked and I have to move, gold and silver are easily stored and carried as designed jewelry.BUT, two problems.One: what if you live in a country that doesn’t have any gold mines. Now you either have to trade for gold or start attacking countries: (this did not work out so well for the Aztecs).Two: What if you wanted to buy a house right now: are you really going to bring a truck of gold bars to the closing? Or if you have to move to another country and you have a lifetime worth of savings: are you going to ship all of your gold bars to your new home?People say that gold is “real” as opposed to (later) paper money and cryptocurrencies.This is not really true. Gold is a rock. But it does have industrial uses (silver is better for this because of price but still…). Gold and silver are great electric conductors, can be used as SILVERware. Can be used as antibiotics (hence great for fillings on teeth).So we can say that gold money is “backed” by something that has real use with value associated with it.But we still have to solve the problems above.3) PAPER MONEY BACKED BY GOLD AND…PAPER MONEYCountries made paper money that was like a contract with the government that all of that money can be converted into gold.This was great for transactions (easy to carry paper money).This was great for store of wealth (put the money in a bank and you can go anywhere). The first banks for paper money backed by gold helped fund every war in Europe in the 1800s. Good job!When paper money is backed by gold it also puts a clamp on inflation. You only have as much paper money in a country as there is gold in that country.(yes, there is a 100,000 dollar bill in the US. Woodrow Wilson is on it).So you can trust the government to not go crazy printing money that is not backed by gold (like German in the 1920s when trillions of Marks were printed and Germany went into an inflationary death spiral that was at least one cause for World War II).BUT, why benefit the countries where gold is easy to mine and punish the countries where gold is hard to mine.Also, the world is expanding in every way: more people, more technology, more innovation, more THINGS.I’m not sure this is a good thing or a bad thing (see: Germany above) but sometimes countries need to balance debt with money printing to manage their fiscal policy.The US went off of gold in the early 70s in order to fund the financial needs of both the Vietnam War and the social improvement programs of Lyndon Johnson.This created inflation.Paper money will often lead to this situation. Someone will say: why do we need the gold part?Again, might be good or bad. There’s a lot of debate. Did money printing save the US in 2008 and 2009? Maybe. Or will their be future problems caused by this? Maybe.Nevertheless, there are other problems with paper money that need to be solved:a. No privacy.If I’m making a sizable (greater than $1000) transaction I’m usually not using cash but either a credit card or a money wire.So that means your bank knows. Other banks know (the bank you are sending money to, the Federal Reserve, the local Reserve bank, etc).Government agencies know (the IRS, the NSA, etc etc).Potentially sites like Google and Amazon know depending on what payment services you use and what you are buying.So you have no privacy on your transactions with paper money.b. Fees.If I send a friend in Korea money, I go through my bank (fee), local reserve bank (fee), Federal Reserve (fee), International wiring system (fee), their central bank (fee), their local reserve bank (fee), their local bank (fee).That’s a lot of fees. Those fees help create inflation because every transaction needs to have a profit on top of those fees.c. Forgery. Something like $200 billion in forged money is circulating right now.d. Human error. This is a CRITICAL problem. There are so many opportunities for human error. When you transfer money, they can send to the wrong account. Or a bank’s software can be hacked and you lose all of your money.Or, most importantly, the Federal Reserve in the US can decide to print another trillion (Like 2009) and, without your permission, the value of your dollar has gone down.In the US we’ve been lucky. But all of South America hasn’t been so lucky (all of their currencies crashed in the 80s. Most of Asia wasn’t so lucky in the 90s (their currencies wiped them out). Russia in 1997 was wiped out.Many countries have relied on humans to print (or not print) money and the slightest human error can wipe out an entire country’s economy.The United States has been lucky. For now. But this is a HUGE error we risk every day.These are the basic problems. There are more (theft, for instance).e. What is backing paper money?Only our trust. I don’t want to be a conspiracy theorist. But the reality is: a dollar is a piece of paper. Just like gold is just a rock.How do they make us trust that the money has value?They put “In God We Trust” on it. They put George Washington. They put the signature of the Secretary of Treasury (pretending it’s a contract.).And, for the weirdos, they even put a pyramid with an eye on it.And that’s supposed to be why we trust it. I don’t trust it.4) BITCOIN (and, btw, Bitcoin is not the end. There will be a “5”).Bitcoin solves the problems above.a. Human error: there is no printing of money. There is a fixed supply of 21,000,000 coins.How do I know this? I’m a skeptic. So I read the software behind Bitcoin. I read it over and over until I could figure it out. In one part of the code they clearly define how many coins can be “mined” / printed (printed is the wrong word but I’m using it here to make the connection with paper money). And there’s another part of the code which “enforces” the first part.(part of the code that limits the total # of bitcoins to 21,000,000. I found this by reading ALL of the code for bitcoin).b. Theft. Like with every other form of currency, an exchange (like a bank) that stores your Bitcoin can be hacked and money stolen.BUT, I only keep a small amount of money in an exchange. You can get a storage drive, store your money, and put it in a safety deposit box. So even if the exchange is attacked, you still have your money.ALL theft can be prevented this way with Bitcoin. You can’t do this with paper dollars because if you have too many dollars, how will you store it? Ditto for gold.c. Forgery. The software guarantees that Bitcoins can’t be forged.d. Privacy. I can send you a Bitcoin and nobody knows who is sending it, who is receiving it, and no government institutions are aware of it.e. Fees.Some bitcoin transactions have small fees. But it’s nothing like the fees of going through six banks in the transaction described above.What’s backing it?There’s about 1000 man-years of science backing Bitcoin.The underlying technology of Bitcoin which involves heavy amounts of cryptography, financial know-how, and basics of contract law, plus the “blockchain” have 100s of use-cases that we have only just begun to play with.EVEN IF Bitcoin is never used as a coin (although note: it’s being used every day as money) there are 100s or 1000s of other uses for Bitcoin that have nothing to do with the basic money use.I won’t get into the weeds here: but suffice to say that ALL of contract law can be (and will be) eventually replaced by Bitcoin.And ALL of logistics will be replaced by Bitcoin (e.g. UPS is replacing all of their internal logistics (tracking millions of packages every day going from millions of locations to millions of other locations) by Bitcoin technology.There’s nothing behind paper money or gold like this.Now…Bitcoin has problems also.Hence the need for other cryptocurrencies. But that’s ok and not the topic for here. Suffice to say, Bitcoin solves all the basic problems of paper money, which solves the problems of gold, which solves the problems of barter.HOWEVER, there is another reason why Bitcoin is here to stay and it’s so compelling.——EVOLUTION OF EVERY INDUSTRYEverything in life evolves. Not only species but ideas.Let’s look at some industries.MEDICINETheism: 500 years ago if you got sick, you’d either pray to a god to get better, go to a shaman, make a sacrifice, or assume you committed a sin that made you sick and would try to undo the sin.Humanism: Post-rennaissance, we had human “experts” called doctors who would either leech us to death, perform horrible surgeries that would kill us, or would pat us on the back, hammer our knee and say, “take two aspirin”.Doctors aren't bad. They’ve saved many many lives. But Humanism has it’s limits. A known fact is that, on average, the moment when a doctor is most effective is his or her first year out of medical school. After that, statistically downhill.Data-ism:Now when if you go to a doctor, you get tests. You get blood work, you get an MRI, an EEG, an X-Ray, the X-Ray might go into a database and an AI algorithm matches it against other X-rays (does it match a tumor X-ray or a non-tumor X-ray?). We even get genetic testing to see if our illness is in our chromosomes.Then, armed with data, often a computer will tell us the correct solution (and even a computer can do the robotic surgery needed), or a human will help interpret the data (but there’s room for human error here).(source: National Genome Research Institute)So Medicine has evolved fromTheism → Humanism → DataismLet’s pick another industry:WARTheism: 3000 years ago if two countries went to war, the kings would perform massive sacrifices to their gods the day before.In the Bible, whosever God was stronger (Baal versus Yahweh being a notable Hebrew battle), that group would win the war.Fragments of this exist right now: May the Force Be With You, said to Luke before he flies out to fight the Death Star.Humanism: For the past 500 years, whoever had the most humans on the ground, the most bullets, then the most planes, then the most bombs. ,would win the war.Data-ism:War is being fought every day now. EVERY SINGLE DAY. Every day, some country tries to bring down the electric grid of Poland.Every day, every Fortune 500 company is attacked by “bot armies” coming from…nobody knows.I’ve been involved in the cyber security space for 25 years or more.I once was talking to a company who helps Fortune 500 companies fight “bot armies”. All of the employees were top Phds who were the experts in their fields.One guy told me, “No matter how smart we are, they are smarter.”Who are “they?” The people making the bot armies. Where do they come from? We don’t know. They come from everywhere. They are just smarter than us.Elections are rigged. Companies are attacked. Information is stolen.We have been in World War III for at least 20 years and it will never end. Dataism has taken over war.Ok…MONEYTheism: “In God We Trust”Humanism: “George Washington”. A picture of Independence Hall. Or the White House. Anything. Anything at all so that we trust humans with what we are given in exchange for the hard labor we do every single day.Do we trust humans? I tend to trust humans. But that is maybe not so smart all of the time. Humans make a lot of mistakes and that’s been the downfall of so many companies, so many families, and so many…everything.Data-ism. Bitcoin and now other cryptocurrencies.1000s of man-years of science. 100,000s of lines of code that has been checked by 10,000s of the best programmers.Data-ism prevents forgery, keeps privacy, re-creates all contract law, avoids fees, avoids theft. And this is just a small sample of what data does for money.“In Data We Trust” for better or worse. But it works.The natural evolution of money has arrived. And it’s not only Bitcoin but other cryptocurrencies.FAQ:Why do we need other Cryptocurrencies?Why do we need more than one currency at all? Why is there a US dollar and a Canadian dollar.FOR NO REASON. Just an artificial border created in 1770 and we have two different currencies.Cryptocurrencies have what I call are “problem borders”.One coin is better than Bitcoin for making contracts (Ethereum).Another coin is better for privacy ((Zcash. A problem with Bitcoin is that although there are no names on a transaction, I can see the size and the time. So privacy is still a slight problem).Another coin might be better for solving a problem of decentralized storage (as opposed to storing all of your photos on one centralizes spot that can be hacked like Google Drive). Bitcoin doesn’t address this problem.Problem Borders create new currencies.Is it too late to invest in Bitcoin and other cryptocurrencies?Right now, this reminds me of the Internet in 1995–6. There’s a bit of irrational exuberance in new coins. Prices are going crazy.There will be a massive pullback. BUT, the legitimate coins are here to stay and will keep going.Amazon, of course, pulled back, when the Internet pulled back. Now it will eventually be a trillion dollar company. Many companies that started in the 90s have survived and thrived and were great long-term investments that have paid off.Cryptocurrencies are the “internet of money”. The internet is here to stay and so is the internet of money.We are only in inning one of the cryptocurrency shift in our money.Will cryptocurrencies replace paper money?Yes. Eventually. It might not be Bitcoin although Bitcoin will always exist.But each country, to solve the problems of paper money, will eventually switch. Countries that are debating it include: Israel, Estonia, Venezuela, Argentina.Countries that will use some aspects of cryptocurrency technology in their central bank will soon include China, Korea, Russia, and yes, the United States.And many countries will reject cryptocurrencies but their population will shift en masse to cryptocurrencies in order to avoid corruption, human error, theft, etc. First on my list for this is Argentina.What will the value of cryptocurrencies be?When I first wrote about this, all cryptocurrencies added up was about $200 BILLION. Now it’s around $750 Billion. Although I do view many of the currencies as scams so the number is really less.That’s the “SUPPLY” of cryptocurrencies.The DEMAND is the amount of paper money + gold that exists.That number is $200 TRILLION.So in order to go from ONE TRILLION to 200 TRILLION that’s a 200x gain. In other words, $10,000 turns into $2,000,000.And if you focus on the legitimate currencies, the gains are much greater.So, again, we are very much in the beginning of this. There is no other investment opportunity in our lifetime greater than this. And we ARE at the beginning.What are the legitimate cryptocurrencies?There are many. I don’t want to get into the weeds here and discuss all the technology.And I also don’t like all the speculative trading that is going on in cryptocurrencies. Speculation leads to scams and bubbles.But just like there were Internet companies that survived the bust and became the companies we use every day, there are cryptocurrencies that exist now that we will use every day ten years from now.You said on CNBC that Bitcoin will go to a $1,000,000? Were you kidding?No.Bitcoin hit $20,000 recently. We just said it could go at least as much as 200x higher. That’s $4,000,000. So even at $1,000,000, Bitcoin will be a buy.How else can one make money in the Bitcoin sector?You don’t have to be a software developer.When the gold rush hit in the 1800s, Levis Jeans became the big winner. And the companies that sold “picks” and “shovels”.There will be many picks and shovels companies in the Bitcoin space.Sites that have the latest bitcoin news and analysis will do well. Exchanges will do well. Companies that help integrate traditional companies with the deeper parts of Bitcoin technology will do well (like whoever is helping UPS integrate blockchain tech into their logistics).Companies that help new cryptocurrencies launch will do well.And on and on.Someone said you called “Bitcoin is a Ponzi scheme” in early 2013. Why should we trust you now?First, I’m always a believer that the best investment is in yourself. This will provide greater than 200x returns.That said, I was wrong in early 2013.I’ve been a software guy for 25+ years. I’m able to do my research. Which I did.By May 2013 I had already done enough research to build my own bitcoin store, go on CNBC and discuss Bitcoin, and be an advocate when it was just $60. This is all public info.But, for me, focusing on my physical health, emotional health, creative health, and spiritual health, will always be the most valuable “Currency” I can develop and trade in.Could Bitcoin be just a fad?No.Paper money DOES have the problems described above. Someone has to solve those problems. Bitcoin and other cryptocurrencies solve them.And every industry evolves. Cryptocurrencies are the “In Data We Trust” way in which money is evolving.And $750 BILLION believes in me on this.Who is Satoshi?Satoshi is the secretive founder of Bitcoin. He is worth many many billions in Bitcoin right now. He is anonymous and reporters, governments, etc have never figured out who he is.That said, a number of people know who he is. I read his blog every day, He is a secretive person and nobody wants to blow his cover.Well, what should I do now?Don’t listen to me.a. Get an account on Coinbase (or wherever). Buy $10 worth of Bitcoin just to taste and feel it.b. Then read. Read a lot.Here’s some books not about Bitcoin that are worth reading:Sapiens by Yuval HurariThe Evolution of Everything by Matt RidleyThe Ascent of Money by Niall Ferguson.Antifragile by Naseem TalebThere’s a lot of discussion of cryptocurrencies on Reddit and Twitter. DO NOT read those. Most of those discussions are filled with trolls although there are some decent sources there.Blogs / Sites: start with Coindesk and CoinTelegraph. You'll find the rest as you read more.
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How do I upgrade my passport application from normal to tatkal in India?
Get the documents which are required for application and while going for passport application on the appointment day, report at the regional passport office instead of going to the psk. Fresh application can be converted to Tatkaal, but only at RPO of your jurisdiction. Furnish the extra payment with the verification certificate and Annex E, as both of them are documents required for tatkaal, also a form stating that you want to change from normal to tatkaal. Make sure you get them done with all details correct and that would do with all the other documents of a normal passport application also.Documents that you need apart from the normal application set are-1. Annex e form filled and signed.2. 2 original verification certificate, issued and dully signed by a Govt Gazzeted office of a pay grade higher that 5400.3. 2 photo copies of id of the gazetted office.4. A form of mode change from normal to tatkaal.Rest the passport office staff will help you when you'd be present there on your appointment day.Edit. - There have been signNow changes in tatkaal service of passport. You may refer to the legit indian passpoet site to clear your concern regarding new set of rules.Edit 2- After the recent amendments in passport rules there has been an astounding change. Now for conversion of normal to tatkaal form, all you need to have is 2 valid address proofs and along with that 1 dob proof on the desired name. A hand written declaration will be necessary stating that applciant would like to change the mode of process and a signature of acceptance by app with the tatkaal fee i.e. 2000 Rs will suffice the purpose and get your mode of process changed. This is 100 percent correct information and this is the procedure which works. Good luck.
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How can you correct a DOB on a PAN card?
Greeting !!!Following are the process for Reprint PAN CardStep 1 : Open the NSDL Website (https://tin.tin.nsdl.com/pan/)Step 2 : Please click on the link ” Reprint of PAN Card “Step 3 : Please click on the link ” Online Application for Changes or Correction in PAN Data (PAN Change Request Form) “Don’t forget to read the Do’s and Don’ts and Important Instructions before applyingStep 4 : Read all the Guidelines Carefully . You can also convert the text in Hindi to read in Hindi Language. Scroll till the bottom of the Page and you will be able to Select the Category of the Applicant.Step 5 : Select the Category of Applicant from the Drop Down Menu and click on SelectStep 6 : Read and Fill the Complete Form Carefully. Finally, after filling up the form, a fee of Rs.106 has to be paid by Demand Draft/Cheque/Credit or Debit Card/Net Banking. (Note: Demand draft / cheque shall be in favour of ‘NSDL – PAN’ payable at Mumbai)Remember you need to fill your existing PAN Number in the box which says “Permanent Account Number(PAN)”Do not check on any box in the left column ( Point No.7 for Address will automatically be checked as it is mandatory to update the Address)If any other box is checked. Remember to uncheck those boxes.Step 7 : You will now get an Acknowledgement Form with a 16 Digit Acknowledgement Number. Take a printout of this Acknowledgement Form.Step 8 : Paste 2 Recent Photographs(With White Background) of the Applicant in this Acknowledgement Form in the space provided. Put your Signature in the Box.Step 9 : Enclose your Demand Draft or Cheque (If you did not pay Pay Online), Acknowledgement Form and the self attested Documents Mentioned earlier in the form in an Envelope.Step 10 : Heading on the Envelope should be ” Application for PAN CHANGE REQUEST -Acknowledgment Number “. For e.g : If your Acknowledgement Number is 10997691001. Then the heading on the envelope should be ” Application for PAN CHANGE REQUEST – 10997691001 ”Step 11 : Post this Envelope to the Physical Address of NSDL :Income Tax PAN Services Unit, NSDL e-Governance Infrastructure Limited, 5th floor, Mantri Sterling, Plot No. 341, Survey No. 997/8, Model Colony, Near Deep Bungalow Chowk, Pune – 411016.Step 12 : Make sure that the Envelope with your Application and Supporting Documents should signNow NSDL Address within 15 days after getting the Acknowledgement.Your Pan Application will be sent for processing as soon NSDL receives it. You will get an e-mail regarding the same on your E-mail Address. You must have noticed that this process to make changes to Pan Card Online is easy & hassle free.You can also Contact the NSDL Helpline to track the Status of your PAN at 02027218080Alternately, you can track your PAN Status here : Track your PAN StatusFor the Offline Process, You can download the PAN Card Change Request form from here : Download FormBe Peaceful !!!
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As a startup founder of three years our legal housekeeping is a bit of mess, how can I best setup a system to organize and track
As a startup founder of three years myself, I can relate to how legal housekeeping can be messy. Once a year, I have our own lawyers go through and do an audit of all of our legal paperwork (which costs a couple thousand dollars to be extremely thorough, but it’s worth it). Luckily, there are now many ways to easily manage and track all of your legal, financial, and HR documents via third-party sites that specialize in these management proceedings. I wrote a blog post about this awhile back titled “5 Ways to Save Time Dealing With Documents” which highlights certain sites that can be very beneficial depending on what paperwork you’d like to track or manage. They are as follows:1. GroupDocsGroupDocs is a new, comprehensive online service for document creation and management. It has multiple features, including a viewer for reading documents in your browser, an electronic signature service, an online document converter, a document assembly service, a feature for comparing different versions of a document, and an annotation feature. An individual plan is $10 per month for limited storage and 500 documents, while a group plan for up to 9 people is $19 per user per month. Based on the number of features and pricing, GroupDoc is a good-value purchase for a small business. As you’ll see below, GroupDocs can be cheaper than a service that offers only one such feature.2. signNowWhen you’re closing a deal and need to get documents signed, the last thing you need is a slow turnaround due to fax machine problems or the postal service. The solution is to use an electronic signature service such as signNow, which is one of the most popular e-signature companies in the world. This service allows you to email your documents to the person whose signature you need. Next, the recipient undergoes a simply e-signing process, and then signNow alerts you when the process is completed. Finally, signNow electronically stores the documents, which are accessible at any time. As a result, you can easily track the progress of the signature process and create an audit trail of your documents. The “Professional” plan is recommended for sole proprietors and freelancers, and costs $180 per year ($15 per month) for up to 50 requested signatures per month. The “Workgroup” plan is geared towards teams and businesses, and it costs $240 per user per year ($20 per month per user), for unlimited requested signatures.3. signNowsignNow is another e-signature service. Similar to signNow, signNow allows you to upload a PDF file, MS Word file or web application document. Next, you can edit the document, such as by adding initials boxes or tabs, and then email them out for signatures. Once recipients e-sign the document, signNow notifies you and archives the document. signNow offers low rates for these services: a 1-person annual plan with unlimited document sending costs $11 per month. An annual plan for 10 senders with unlimited document sending costs only $39 per month.4. ExariExari is a document assembly and contract management service that assists in automating high-volume business documents, such as sales agreements or NDAs. First, the document assembly service allows authors to create automated document templates. No technical knowledge is required; most authors are business analysts and lawyers. Authors have a variety of options for customizing documents, such as fill-in-the-blank fields, optional clauses, and dynamic updating of topic headings. They also can add questions that the end user must answer. Once you send out the document, the user answers the questionnaire, and Exari uses that data to customize the document. Next, the contract management feature allows you to store and track both the templates and the signed documents. Pricing is based on the size and scope of your planned implementation, so visit their website for more information.5. FillanyPDFIt’s a hassle having to print out PDF forms in order to complete them. Fortunately, FillanyPDF is a service that allows you to edit, fill out and send any PDFs, while entirely online. This “Fill & Sign” plan costs $5 per month, or $50 per year. If you subscribe to the “Professional” plan, you can also create fillable PDFs using your own documents. With this service, any PDF, JPG or GIF file becomes fillable when you upload it to the site. You can modify a form using white-out, redaction and drawing tools. Then, you can email a link to your users, who can fill out and e-sign your form on the website. FillanyPDF also allows you to track who filled out your forms, and no downloads are necessary to access these services. The “Professional” plan costs $49 per month, or $490 per year.Switching firms can be a hassle. As a former startup attorney, I have a bit of advice about finding the right attorney for your business: it’s best to focus on the specific attorney you’ll be working with. He or she should have a solid understanding of the ins and outs of your business industry, a deep knowledge of the legal issues your startup may face, and previous work experience with startups to ensure a quality and efficient work product. This is absolutely key when matching our startup clients at UpCounsel to attorneys on our platform who can perform their legal work and hash out their legal projects in a timely manner. We also allow clients to store any and all of their legal documents directly on UpCounsel so they don’t have to go searching in alternative places for the correct paperwork. It’s proven to be a free and lightweight way to store legal documents that our clients love. Here's what it looks like:As I’ve mentioned, it’s more important to find the right attorney as opposed to the right law firm. And seeing as you’re a startup, our own startup clients typically save an average of 50-60% on their legal work, since the attorneys don't include overhead fees (a.k.a. the fees included for doing business with the firm itself) in their invoices.Hope this gives you a deeper look into what other sites and services are out there. If you have any questions or would like more information on how best to handle your legal housekeeping/ attorney matters, feel free to signNow out to me directly. As a former startup attorney at Latham & Watkins, I’d be happy to give you some guidance.
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What is the physics behind stealth bombers being invisible to radar?
Thanks for the A2A!To begin with, a stealth vehicle, in general, or a stealth bomber in particular, aims to reduce its Radar Cross Section (RCS) to become virtually invisible to radar. Moreover, it aims to reduce other factors which might give away its presence to detection instruments, for instance, its thermal signature. Now coming to the principle behind it:1. RCS of an aircraft is the measure of the ability of an aircraft to be detected by a radar. It depends on -The incident and reflected angle of radio waves -The material of the aircraft -Wavelength of radiation incident on aircraft -Absolute and relative (to the wavelength of incident radiation) sizes of the aircraft. The above factors can be tweaked with to reduce RCS of the aircraft.a. Changing reflected angle of radiation is done by angled surfaces in the aircraft design (Planfrom geometry). This always directs radiation away from the source. Exhaust ports end with serrated edges, following the same principle.An example is the F-117 Nighthawk.b. Aircraft tails form a corner reflector, where the tail is attached at right angles to the fuselage. The radar reflection here is the maximum. Hence, the tail is attached at an obtuse angle to the fuselage (as in F-22) or completely eliminated (as in B-2).c. Also open bomb bays and weapon pylons increase the RCS based on the above principle. Hence, all stealth aircraft have internal weapon bays. d. Air intakes are specially shaped (mostly S-shaped) to reduce reflection of radar waves.e. The cockpit is coated with CVD gold film (That's why you see a shiny cockpit on the F-22), to make the cockpit opaque to radar and redirectt the waves away from the source. f. Radar Absorbent Paint is applied to edges of aircraft which convert radar waves to heat, rather than dissipate it. The earliest application was seen in SR-71, which used iron-ball paint.So much for reducing RCS.2. Visual camouflage is achieved by painting aircraft gray with disruptive patterns, which breaks the outline of the aircraft against the surrounding environment. Also, matte finish paints are used to reduce glare.3. The exhaust of the engine signNowly contributes to the Infrared Signature of the aircraft. The IR signature is detected by heat seeking missiles to home onto aircraft. Hence , it is necessary to reduce the IR signature of the aircraft.The IR signature of the aircraft is reduced by cooling the exhaust plume. Also, the vents are located above the fuselage (in B-2, which has a high service ceiling), to shield from observers below the aircraft.There are other methods that can be used to reduce IR signature that I don't completely know. More in the next edit.
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How do I get a duplicate PAN card made if I do not have the photocopy of my original PAN card?
You can make an application for E-Pan card which will be sent to you by mail or you can also apply for a reissue of physical PAN card with old PAN card number.(if you have forgotten and are unaware of your old PAN number you should view this answer-Aditya Kejriwal's answer to I lost my PAN card five years ago and I have forgotten my PIN number. Can I apply for a new card? )The applicant is only required to fill and submit the online application form along with online payment of the respective processing feeSteps to apply for PAN cardVisit the NSDL websiteSelect "Request for New PAN Card or/and Changes or Correction in PAN data" as Application type ( if PAN number has already been issued to you and want a fresh Pan/E-pan or want to make correction) and fill your status.Fill in rest of the information asked such as name, and date of birth. Information marked with an asterisk sign has to be filled in mandatorily. It is mandatory to mention the email id in case of application for an E-PAN card.A token number will be generated and same will be sent to your email id (But the same must be noted ). Click on continue with your Application.A new page will appear on your screen. There will be three options asking you how you want to proceed with your application. To apply for E-PAN you must select No to the question “Whether Physical Pan is required?”. ( as shown in the image) ( Please check Note)Enter your details such as Aadhaar number, parents name, etc. Aadhaar number is mandatory if you have choosed e sign and e KYC as an option.Once you have filled all the relevant data, click on 'Next'. A new page will appear asking you to fill in Contact & Other details .After you have filled the same you will be asked for document that you will submit as proof. As a proof of PAN if you have lost your PAN you must select no documents otherwise copy of pan or PAN allotment letter.You will be required to give a declaration . Then you have to click submit.You will be ask to recheck your application and you will be asked to make payment .You can pay using your debit or credit cards, Net banking .Once you have made the payment, you will be required to undergo the Aadhaar authentication process. If your Aadhaar authentication process is successful,then a 15 digit unique acknowledgement number will be generated.You will receive E PAN on your email after your application is processed or the physical PAN will be sent to your addressNote-There is a paperless facility called e-KYC and e-sign where your Aadhaar details will be used. You don't have to upload images such as photo, signature or other supporting documents. Your Aadhaar photograph will appear in your PAN if you use the e-KYC and e-sign facility.There is a second method which is a standalone e-sign facility where you are required to upload your photograph, signature (in black ink) and specified supporting documents in a prescribed format.
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What are some great tools to use for sales prospecting?
I think that we all agree that the days of manual prospecting are long gone. If you automate your prospecting efforts you can save a lot of time and money, and streamline your whole sales process. But, since there are lots of prospecting tools in the market, it can be hard to figure out which ones are good and which ones you should avoid.I’ll give you a couple of suggestions based on the tools I used.Email Hunter is a decent little program that can extract a list of every single one company email. All you need to enter is a company domain, and you will soon be able to email any person from a company. You can use either its dedicated Chrome plugin, or you can do your search by means of their browser version. This program can come in really handy if you want to find the email of a particular decision maker and get in touch with them directly.HeadsignNow is another interesting tool that offers more options than Email Hunter as it has some advanced search features. This means that you can search prospects based on various criteria such as name, company, title, or website. You can also expect to find your prospects’ social media handles and memorize your search logs.Autoklose isn’t your average prospecting tool, mainly because it offers much more. It’s actually a sales automation platform that can dramatically speed up your sales cycle, and prospecting is just one of the weapons in its arsenal. Apart from automating your prospecting efforts and saving you a tremendous amount of time, Autoklose will make your job and life easier by automating your email marketing efforts, amplifying your follow-ups, providing you with detailed campaign stats and metrics, and streamlining numerous dull, repetitive tasks that have to be done during the sales process.When it comes to prospecting, Autoklose allows you several powerful methods of filling your funnel with quality leads.Upload your own reliable contacts from .CSV files and Autoklose will import the information in the database so that you can make lists according to various parameters, and additionally segment them in order to create customized outsignNow campaigns and improve your open and click-through rates;Connect your Salesforce account and sync the data with Autoklose thus growing your internal database. What’s great about this platform is that it prevents you from sending the same email to the same person twice;Gain access to a huge B2B leads database and find prospects from virtually any industry. I was impressed with the abundance of prospects that I could actually contact. This database is managed by Autoklose’s reliable third-party providers, and it’s absolutely clean and packed with verified, complete, and updated contact information.It’s clear that Autoklose gives you a plenty of prospecting options, and the fact that you can search for your potential customers by using different parameters makes it in a way similar to HeadsignNow, but one of the main and most important differences is that Autoklose provides you with validated data which undergoes a meticulous 50-point data-scrub, meaning that every missing field is filled in, and every email, phone number, address, and job title is checked both manually and through the proprietary technology. To cut the long story short, Autoklose keeps you covered and gives your prospecting a big boost.
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