E-mail eSignature Form Myself

So we had been with a certain national bank for about 12 years. We had issues with them off and on, but it wasn't enough to make us want to go through the hassle of finding a new one.Then 2016 happened.It was a chaotic but exciting time for my family. We sold our house and upgraded just a few miles away. Naturally, we were excited but had a long list of things to update. Included on that list was the bank information.We walked into the local bank branch to change our address about a week before we moved. No harm; no foul. It was easy enough.Most of our banking is done online, so it wouldn't be shocking not to receive statements to our new address. I started to realize though that some letters to new address were just addressed to my husband and not myself. Odd, but it's not alarming yet.My debit card expired in December of that year, and around late October I received an email indicating that a new debit card had been mailed to me. Sweet!Only it didn't come. We waited. And waited. And waited. We would call, only to be told that it could take a few weeks.No new debit card for me. Meanwhile, my husband had already received his.Going online, we realized that they had the old address for me still listed. Once again, we trudged down to the post office to get it changed.Side note: Why wasn't mail being forwarded? Good question. Our city postal service struggled with that regardless of our efforts. Different story.Anyway, the next week it was - again - going to be sent to me. And again, no new debit card. It was sent to my old one.This went back and forth for weeks. For some reason, they would not update my address. Usually they would just cancel the debit card that had been sent to the wrong address, but in mid-December they actually canceled my working card, too. Oops.Finally we signNowed an agreement with a supervisor that a new card would be overnighted to one of the few branches open on Christmas Eve. It should be in their mailbox by 11 AM, which would leave us time to still head out of town for the holiday.We made our way down to the branch. It wasn't really close to us, but I really needed a working debit card. We went into the branch, which was located within a grocery store.Two people were working.One other person was in line. One teller was on the phone.When we signNowed to the counter, we explained our situation. We were hopeful that this would solve our issues. Unfortunately, it went south. Fast.The first teller flat out told us to get to the back of the line (by now there were a few other people) because she was busy with other customers. We looked around - she was busy with US. We are customers with a healthy bank account, so...how were we not CUSTOMERS?We asked for clarification. All we wanted was her to check the mailbox for an overnighted envelope with my debit card in it. Mind you, I had no working card.She started yelling, saying she couldn't leave her customers and to - again - get to the back of the line. We calmly explained that we were customers, too. At some point she would have to assist us. We just needed her to check her mailbox. Please. Please. Please.I was almost crying at that point. This entire situation has been a mess despite doing everything we could on our end.That set her off. By now, we had both tellers screaming at us to get out of their bank....all because we wanted her to check the mailbox. For my debit card. Which their bank continuously failed to send to the correct address.I wish I were kidding. If I could get the video footage of it, I would.We immediately placed a call to the bank's call center to at least get it noted what was going on. The supervisor, though at first defensive of the tellers, quickly admitted that they both acted inappropriately. We were even given a credit of like $50 for our trouble. (Weee!)He overnighted ANOTHER new card to my parent's address, which thankfully came on Dec. 26.He also FINALLY updated my address in their system. He had no idea why no one else had been able to update it.Flash forward to March. It was payday, and I had tried to buy a Groupon for something like bowling for the family. My card was declined -- interesting. It also happened at the same time that other people were tweeting that they weren’t able to use their debit cards either. There must be a national outage, right?Wrong.My boss frantically contacted me to ask if everything was okay - my paycheck had not gone through.Naturally, we called to find out that the bank had terminated our relationship. They claim that they sent us a letter in January, but we never received anything like it (though I don't know if I should blame them or our postal service for that one).Why did they terminate our relationship, you ask?Easy: we were in violation of "misconduct" with the tellers who apparently reported us as being belligerent. We may have raised our voices slightly, but it was THEY who yelled at US. I’m not exaggerating here. I’ve never had two grown women yell at customers like those two tellers.No one wants to work on Christmas Eve, but come one now!There was no appeal. It was a done deal - they didn't really care about our side of the story.It turned out in the end because we love our new bank, but dang - it was one of the worst experiences we had ever gone through with bad customer service that went on to actually hurt us beyond the incident.Funny enough, the bank still sends me emails asking me to open a new checking account.

Perhaps not "lesser known", but I've been using keyboard shortcuts for years under "Settings": This probably comes from my vim background, but inside gmail, I almost never use the mouse. Instead:While viewing a list of threads (i.e. Inbox, All Mail, Drafts, search results, etc.):c to compose a new mailj and k to move the cursor down and upx to select/deselect the current thread that's pointed to by the cursore to archive all threads that have been selected [Enter] to go into the thread pointed to by the cursor"g i" to go to my Inbox"g a" to go to All Mail"g d" to go to DraftsWhile inside a thread:n and p to browse down and up messages inside a thread (move the cursor up and down)a to reply all (or r to reply individually, but that's rare) to the message currently pointed to by the cursorf to forward the message that's pointed to by the cursoru to go back to the previous thread list view, which could be your Inbox, All Mail, Drafts, etc. This is the same as the back button: s to toggle through the stars on the message currently pointed to by the cursorIn case you're wondering, the "cursor" is the very thin vertical blue line visible to the left of the third thread in this picture:Other useful shortcuts:/ to make the search bar active"* u" to select all unread emails"* n" to deselect all emailsShift+i to mark all selected emails as readShift+u to mark all selected emails as unreadWhile inside a thread, Shift+u will bring you back to the previous thread list view and marking the current thread as unread. I do this a lot to keep important threads at the top of my inbox.And that's basically all I ever do in gmail. It can be painful to learn at first, but just start with the very basics: j, k, and [Enter] to browse through your inbox. Within a month or two, you'll be zipping through your inbox like Usain Bolt through the 200m.Full list: http://support.google.com/mail/b...Edit: David Craige mentioned a very useful Google Labs add-on under "Settings --> Labs": a [Send & Archive] buttonAnd another useful add-on:

Gmail offers many tools for us organize our inbox, such as folders, labels, and even tabs, which in turn saves time when we want to look for some particular mails.Labels are a simple way to categorize our messages. For eg : When a mail comes from friends we can label them as friends and if a mail comes from work, we can label them as work. So next time if we want to check those mails, we dont have to look through our entire inbox. We can just click on the respective labels they belong to. And from there the mail we want to look into.Steps to create and tag mails with LabelsGo to Create new label option on your left menu bar. (You may have to click on More to show this button)Then enter the name of the label you want to create.Then click on create.Then go to the mail you want to add the label toClick on the label button and choose the label you want to applyOn your left menu bar you will see a new category has come up having the label name you just created.When you click on it, it will show the mails to which the label is added to

John Rodley is so-o-o right in his answer. You are in the unusual position of having something to gain and nothing to lose. That your first employee calls herself co-founder takes nothing from you, and gives her something. You are still the founder, even though she is co-founder. True story: I've enjoyed calling myself co-founder of Borland International, which went from zero in 1983 to public in 1986, and that holds up in the Wikipedia records, makes me proud, and gives me (well earned) credibility. But in fact Philippe Kahn was 100% the founder and gets total credit as sole founder. He moved from France to San Jose to start it, he did the grit and bootstrapping, got the early revenues, and masterminded everything. My role was doing the early business plan, and then as one of the four original members of the board of directors, from the day it was founded legally until the day it went public. So if I'm a co-founder – and I am – then so is your CTO. And Philippe, the founder, has never questioned the co-founder status.

This is how I got my passport without paying bribe -I knew that my friends in Institute were paying bribe to the police verification officer (PVO) as the PVO used to threaten them to forget the passport or delay it if they resisted.I talked to my friends who paid bribe,Many felt that it is very common to bribe and most of them were afraid of consequences.AFRAID ?? of what?? are we doing something wrong by not paying bribe?.It is PVO who should be afraid for shamelessly asking money.Then I decided to put an end to all this.When PVO came for my verification,I was ready with two recording devices (mobile and Tab) placed at two locations in my room and turned them on as soon as he entered my room.PVO:(came and sat on chair) You are the one, Show me the documents.Me :(showed all the documents and signed at required places.I spoke little louder all the time)..When he bunched all the documents...Me: Please check whether all documents are correct or not (I wanted to record him saying everything was right).PVO: Yes everything is correct..Then came the moment I was waiting for..PVO: Give 500 RsMe: Why?PVO:Its the fees you should pay.Me: If it is fee then give me receipt.PVO:(obviously didnt expected this..Started looking at bag for receipt which he donot have).PVO:I will give receipt tomorrow.Pay now.Me: No way.I wont pay.PVO: Ok then I will leave,lets see how you will get your passport (He said this indirectly).Me : I have recorded entire conversation and you will be in trouble if my passport donot arrive in time.PVO: (started to move out) I am not afraid of anything.(Though he was visibly afraid)..he left the place...I immediately wrote a mail to district collector and deputy collector seeking an appointment and was also ready to visit SP office as I knew that most corrupt people are cowards from inside and a warning from higher authorities will be enough to stop them.I knew very well that I cant stop PVO from taking bribe everywhere but I can make a difference by stopping him from taking bribe in my Institute.Everyone needs to do just that to make India corruption free.Influence our surroundings and ensure that we are making enough effort to stop corruption.If we cannot do that,then donot blame the corrupt system as we will be part of it...And my passport verification report was submitted in a day to passport office and is currently getting printed.

Many. Those rejection letters (we get plenty of those) and collaborators not honoring their commitments to common projects are particularly bad. However, I get the feeling you’re referring to student-initiated emails. I agree with Joshua Gross’ list. Other than that, here are a few types of those I find irritating.Disrespectful, juvenile, text-message-like, titleless emails. Your email must have some basic structure, including hello, your name and course, and a question/comment. At the end, say goodbye. Also, mind the style a little. I’m really not your mate. If you don’t include a title I won’t respond.Emails that ask about something that is clearly stated on the syllabus. If you do this, (i) I’ll simply email “that information is in the syllabus” and (ii) you will look careless and unengaged. Don’t be that person.Emails that are excruciatingly long. Please, don’t do this to me. I’m sure whatever you’r trying to say could be synthesized in four sentences.Emails sent from private accounts (gmail, yahoo, hotmail…). Because of legal reasons, communications with students are best kept on the university’s server. You have an institutional email. Please, use it. This applies to my own students and students from my university, particularly when submitting assignments and discussing grades and other sensitive educational issues. If you're emailing me because you want to apply to our graduate program, and you do this from a gmail account that's completely fine.Emails asking about the homework. I’m not your secretary nor your father. Don’t ask about the homework because I will not respond to your email and bring this issue to everybody’s attention next time we meet in class.Emails that are too personal and explain issues that should be presented face to face, during office hours. Life happens. I know. Leave the deep stuff for face to face conversations if possible, and only bring them up if you think I really must know. I’m happy to listen, but I’m a linguist, not a psychologist. I can tell you who to contact if you need help.Emails that come after the final grades have been posted (asking for extra credit opportunities). Once the grades have been rolled up, they’re official. No, you can’t read a book and submit a synthesis for one extra credit now. It’s December 18th!Emails from parents on behalf of their children (who are my students). One word: FERPA. In other words, “Sorry, I can’t discuss any of this with you, helicopter mother of a 22 year old”.Emails asking about something I have announced on Blackboard/CANVAS. This is quite self-explanatory. Like the message I sent on Blackboard/CANVAS.Now, having said that, I understand you are a student. You’re learning. Part of that learning includes email interactions. I won’t be offended by your email, even though it might frustrate me a bit. I’m actually glad to point you in the right direction.

(I started to answer a very short answer and ended up with a long entry. I hope you find it useful.)As Richard Tuisk said, it depends a lot on where you are from. However, let me tell you what my experience has been so far in Estonia, what I think it is good and what I would see as a downside of living here. Of course, I need to qualify my answer by saying that I am Latin American, but also have lived in four other countries (including the US where I went to college).A quick introduction: Estonia is a small country located in the Baltic Sea next to Russia and Latvia and very close to Finland. It is part of the European Union. The area of the country is roughly the same as Switzerland or as Maryland and Massachussets combined. There is about 1.3 million people living here which means it is not densely populated. The country is essentially flat, except in the south where you find the highest point at 318 meters (1043 ft). The main city and where I live in is Tallinn. The population is about 400,000 people. Tartu is the second city with about 100,000 people and all the rest of towns are smaller than that.Immigration systemIf you are European, moving here is no problem as you enjoy all the benefits of any country within the European Union. If you are not European, the main reasons people immigrate here is to work which would guarantee a working visa or if you are married to an Estonian citizen which allows you to apply for a visa as long as you have enough funds to live here.Overall, the process to get a short-term visa is straight forward. Obtaining a long-term visa is more complicated as you have to speak the language at a relatively high level. Obtaining a citizenship requires that you give up your own citizenship.JobsAlthough Estonia suffered also during the 2008 crisis, there is enough jobs in areas of business and technology for people to move here. One of the problems Estonia faces is that it does not have enough people to fill all jobs in IT areas as I hear.There is a few big companies who recruit people from abroad, but if you don't speak the local language, your opportunities are reduced to the IT area (I work for Skype which originated here in Estonia which was acquired by Microsoft in 2011). You can see a list of notable companies here: List of companies of EstoniaSocial interactionEstonians tend to be reserved in comparison to other Europeans. I suggest to foreigners who come here to be aware of differences so they are not taken by surprise. Some examples of faux pas I have encountered:Using smalltalk in a conversation.Saying good morning when coming to office or good bye when leaving.Smiling with no reason (I have to accept that this could be awkward in Northern Europe and some parts of the US, but it is totally normal in Mediterranean or Latin American environments).Being noisy. People love their quiet here.However, it is totally Ok to try to make a conversation in English especially with young people. I am learning Estonian and try to use the language when I can, but in some occasions (say, at the pharmacy), I need to switch to English and have never found anyone being annoyed by that.The exception to all of this is if you meet young people. They tend to be more open and curious (especially women). I am speaking about more casual environments such as a cafe or a restaurant, but a bit less at work. Another obvious exception is if you are in a touristy area (such as the Old Town in Tallinn), but this should go without saying.It is totally Ok to be in a group of people and be totally silent. For example, you can have lunch or share a cab with Estonians when no one is speaking, but there is no awkwardness on it. Another thing is that people do not demonstrate much through their expressions which is one of the difficult things to deal with for me. Remember, I come from a country where you smile or frown or show your teeth if you want someone to understand you clearly.When having a conversation with an Estonian, you should say what you mean and mean what you say (remember what I said about smalltalk?). For example, if you ask "how are you?" to an Estonian, do it only if (a) you really want to know how the other person is, and (b) don't ask it if you don't know the person well. I value that Estonians take your word at face value and you should do the same with them.One word of advice is that Estonians can be very critical of others, but they are mainly critical of themselves. Someone told me once that complaining is a national sport, and I have to agree with that. In other words, when they tell you that something is truly bad here in this country, you have to take it with a grain of salt.Because of this, you should also expect that people are straight forward with you. In some cases, this borders on rudeness if I measure by my home country's standards, but here is totally Ok. I have seen a few foreigners getting shocked by that, but you get used to it. In other words, they are not politically correct (this I like very much).Also, because people are economical with the language, you shouldn't expect what I would call, a "warm" communication most of the time. As a latin person, I need to say and hear things on a beautiful way, but this doesn't happen here much. It is different when you start to get to know locals.Which brings me to the last point. It takes a while before you break the ice with an Estonian, but it is worth waiting. I have had the chance to establish a closer link with some locals outside my wife's family and I find an honesty and sincerity that I haven't seen in other places. If you get to that point, congratulations, as you have made it through this journey. By this time, you should also be an expert on sharing saunas with people you don't know (and yes, naked) and have had your share of vodka.Quality of life, services, infrastructureWhen compared to other places where I have lived, I have to say that Estonia still doesn't signNow the level of living in Germany or the US, but it is getting closer by the day. However, I would say that Estonia is already at the level that I would call it first-world country in most aspects.Infrastructure and services need some improvement, but they provide the minimum level of service. For example, if you don't have a car, you can use public transportation everywhere even if buses, trains or trams are sometimes old. Roads in Tallinn are Ok, even if you find potholes in some places. Services such as schools and hospitals are public which means that there is always a waiting list. If you need to visit a specialist doctor, you have to wait. On the other hand, the wait is not as bad as in third-world countries (like where I come from). Also, those services are basically free. The downside is that there is almost no private service, and even the ones there are rely partially on the public health system for some aspects.I have had two children born here and had no complaints about the process. In fact, I felt that everything was very professional and that they always try to do their best. However, when I spoke with Estonians, some of them were very surprised that I spoke highly of the hospital system. I guess it's up to my personal point of view in this case.Taxes are low. Personal income tax is 21% flat for everyone. If you live here and your visa allows it, you can create your own start-up in no time which is prevalent among young people in IT.By the way, unemployment was at 8% at the end of Q3 in 2013. I am no economist, but I understand that this is still considered high. However, it came down from 10.2% at the end of 2012.Food, shoppingEstonia has the typical supermarkets like any other European country. There is also local markets, but you probably need to speak Estonian or Russian. Typical food you find are potatoes, wheat-like grains, oats and so on. Pork meat and fish are eaten often here, but beef is not yet too common. Vegetables and fruits tend to be expensive. I miss having international food though. There is one supermarket in town (Stockmann) that carries some international products, but it is very expensive. I was used to visiting Oriental-type shops in Ireland and Germany, but there is none here that I know of.There is a few shopping centres, but the variety is not wide. I am in favor of buying local to support businesses here, but in many cases, we end up buying from abroad because of the lack of options or because we would have to wait for too long. For example, my wife and I love movies (yeah, still buying old-fashioned DVDs), but there is no shop that fills our expectations. Because of that, we buy everything from Amazon.ActivitiesIf you love nature, you are in luck. There is a lot of natural areas in the country and they are a short drive away. There is plenty of sea shores, forests, rivers and lakes. In the Summer you can do hiking, camping, canoeing and you can add cross country skiing in the Winter. Estonians love nature in general.If you are a city person (like myself), then that's another story. There is a few theatres, cinemas, galleries and so on, but everything is limited. Tallinn itself has the most interesting activities in the center. There is plenty of good restaurants though.Cinemas show the popular movies like everywhere else and you can find some artsy type of cinemas for alternative movies. No movie is dubbed here, but they usually carry subtitles in both Estonian and Russian.What is impressive about this countryThere is a few good things that I haven't seen outside Estonia. The first one is the electronic system prevalent in this country. When you are a foreigner and get your Estonian ID, you are also getting your electronic identity. With that, you can file taxes online, access information about property, bank accounts, mobiles, whatever services you need. When you get your local ID number, you automatically get a local e-mail address at the eesti.ee domain that you can redirect to your personal account. With that, you never miss an official communication (such as whenever is time to file your taxes).That ID has also legal validity and you can sign documents electronically anywhere in the world. For example, if you apply to get a car leasing, you don't have to show up at the bank necessarily. They send you some forms, you put your ID card in your computer reader, sign the document electronically, and send it back and that's it. It is the equivalent of putting your signature on paper in front of the bank official or lawyer. Estonian citizens and permanent residents are even allowed to vote online with their ID.A second impressive area is bureaucracy: it is a well-oiled machine. One recurrent example is taxes. You get the notification that your taxes are ready to file, you login to the tax office site, sign in, check that they have the correct information that they have collected from your company, employer and so on, sign with your ID card, and that's it. It might take as little as five minutes. My wife and I file jointly, so it takes us much longer: twenty minutes (and that's because we always forget to do one crucial step so we are delayed).The government doesn't even use paper for their minister meetings. They file everything electronically which is made available so you can follow up agendas, minutes and whatever happens there.You want to open your own company? It might take literally twenty minutes to do that too. All of this thanks to the frictionless bureaucratic system they have here. You want to park? Send a text to the number 1902 with your plate number and where you are parking and it will be charged to your mobile.One more impressive part: internet. Besides having decent speeds, there is practically free access points everywhere through the country. I personally have witnessed free available working access points in national parks and public beaches. You can read this article that talks about this (read the date: 2005!): Estonia sets shining Wi-Fi exampleIn my case, I don't use access points much because I have a decent LTE connection with my mobile. Mobile companies have good coverage and relatively good service. I remember that when we got our internet when we moved here, it took only one day to install it. When I measured the effective speed a few months later out of curiosity, it was 50 Mbps. Not bad.The downsidesAs anywhere else, there is a few things that you need to be aware of that could be difficult to adapt to.The first part for me is the social interaction which tends to be dry and quiet. I mentioned that above, so not much more to say here.Another one is the weather. In Winter, the sun might rise at 9:30 in the morning and set at 3 in the afternoon. That's just about six hours of sunlight. If you add that it is cloudy most of the time during the Winter, then you realise how dark it might be. As counterposition, Summers are amazing (up to 20 hours of sunlight and clear skies easily).Winters are relatively long. It gets cold around the end of October and stays that way until around April. It varies from year to year, but sometimes the temperature drops to -30 degrees Celsius (-22 F). Life rarely stops here because of the cold or snow though. I have taken the bus at -30 degrees Celsius. It makes for an interesting ride.One more problem for a foreigner to live here is that you feel a bit isolated from the world. Flights are available mainly to neighbouring countries plus Germany, UK and the Netherlands. If you are from another country, you always need to make connections which makes it longer and more expensive to go back home.Last, if you are from a big city, you might find even Tallinn a bit provincial. It is changing as of late though. On the other hand, there is some positive things out of this too: less crime and virtually no traffic jam as I know it (I live 20 km. from work and make it in 30 minutes on a good day and 45 on a bad one).If you are thinking to move here, I definitely recommend this place.

what are the steps to fill tax return by myself in INDIA? Steps to be followed:-1. Check your tax credit online -The form 26AS has details of tax deposited with the income tax department on your behalf. This includes the TDS on bank deposits, salary, consultancy charges, or even sales of property. You can access it on line through your net banking account if it is linked to your PAN. Check whether the tax paid by you is reflecting in the form 26AS.2. Rectify mismatch, if any      1. in case oif mis match get the deductor to rectify and file a revised TDS return. this is important because tax department goes by what is stated in your form 26AS...

Greeting Friends !!!If you are going to file it yourself, then following is the procedure:-Before you start the process, keep your bank statements, Form 16 issued by your employer and a copy of last year's return at hand. Next, log on to http://incometaxindiaefiling.gov...Follow these steps:Step 1: Register yourself on the website. Your Permanent Account Number (PAN) will be your user ID.Step 2: View your tax credit statement — Form 26AS — for the financial year 2015–16 . The statement will reflect the taxes deducted by your employer actually deposited with the I-T department. The TDS as per your Form 16 must tally with the figures in Form 26AS. If you file the return despite discrepancies, if any, you could get a notice from the I-T department later.Step 3: Under the 'Download' menu, click on Income Tax Return Forms and choose AY 2016–17 (for financial year 2015–16 ). Download the Income Tax Return (ITR) form applicable to you.Which Income Tax Return Form Require to file or applicable F.Y. 2015–16 by Hetal M Kukadiya on Tax Knowledge Bank - IndiaStep 4: Open the downloaded Return Preparation Software (excel or Java utility) and complete the form by entering all the details , using your all documentsStep 5: Ascertain the tax payable by clicking the 'Calculate Tax' tab. Pay tax (if applicable) and enter the challan details in the tax return.Step 6: Confirm all the information in the worksheet by clicking the 'Validate' tab.Step 7: Proceed to generate an XML file and save it on your computer.Step 8: Go to 'Upload Return' on the portal's left panel and upload the saved XML file after selecting 'AY 2016-2017 ' and the relevant form. You will be asked whether you wish to digitally sign the file. If you have obtained a DS (digital signature), select Yes. Or, choose 'No'.Step 9: Once the website flashes the message about successful e-filing on your screen, you can consider the process to be complete. The acknowledgment form — ITR—Verification (ITR-V ) will be generated and you can download it.Step 10: you can Verify online with EVC Pin or Take a printout of the form ITR-V , sign it preferably in blue ink, and send it only by ordinary or Speed post to the Income-Tax Department-CPC , Post Bag No-1 , Electronic City Post Office, Bangalore - 560 100, Karnataka, within 120 days of filing your return online.Its Advisable to go with CA help for filling Tax return. There are lots of amendment come in every year, to file accurate return and Tax planning benefit etc so Prefer to go with expert like CA, Tax Preparer etc…Be Peaceful !!!