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FAQs
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Is there an industry standard e-signature software that insurance companies use for online life insurance sales?
Many insurance companies use signNow for their e-signature needs. It has the best online link/forms solution in the esign industry so that you can integrate new enrollments directly from your website. There's also a flexible API for integrations as well. If you want to send documents in bulk for esigning, like customer renewals, you can do that too. There's also an in-person signing feature for clients right in your office. signNow just integrated with Salesforce and has payment processing capabilities as well. signNow is easy to use, cost-effective and has great customer service if you have any issues. You can sign up for signNow's free trial on their website and request to see a webinar to check out how it will work for your requirements.
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What are the best productivity tools for entrepreneurs?
I now accept Suggested Edits, as they come in. Include the price of the product/service.Pre Launch:Javelin. Start and grow your product faster. javelin.com/?ref=p5eybNFKResearch:Clipular http://www.clipular.com (free)Evernote http://www.evernote.com. Free, and $45 per year.Launching Soon Page:LaunchRock http://www.launchrock.comLaunchSoon http://launchsoon.comLanding PagesSelf Hosted:ThemeForest http://www.themeforest.net $8+Hosted:UnBounce (landing pages) http://www.unbounce.com $50/moKickOffLabs: http://www.kickofflabs.com/ $15/monthOptimizely: https://www.optimizely.com/ $17/monthTurnkey...
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What industries must use electronic signature software?
Any industry involving a large amount of paperwork make use electronic signatures. In other words, all industries make use of electronic signatures because all of them have piles of paperwork to handle. Some examples of such industries include financial, life science, healthcare and pharmaceutical industries.Industries such as the pharmaceutical industry, have a number of licenses and other paperwork that they have to handle and keep track of. It can be a tedious task to perform such cumbersome paper processes. Therefore, e-signatures can facilitate an organisation in keeping a track of all this paperwork, by signing electronically.Healthcare industries usually involve time-sensitive documents, which need to be urgently completed. But, it can take days in case of the traditional wet ink paper signatures for the documents to signNow the signer and back, if the parties are geographically scattered. But with electronic signatures, that is not the case. Geographical barriers do not play a role. Documents which earlier needed days to be completed, can now be signed and sent back within minutes, in the click of a button. Furthermore, it takes a long time to bring assets under management. The time taken by the signing process, if wet ink paper signatures are used, may even further delay the process. But by using electronic signatures, the whole process can speed up.Apart from these, there are many paper prone industries which require huge amount of paperwork and with the use of electronic signatures they can make their everyday processes smoother and more efficient.
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When can we download the November 2017 UGC NET E-certificate?
During the UGC NET Online Application Form Filling Procedure, all the necessary information about the candidate will be captured, including their personal details, academic details, photograph, signature & essential documents. The information will later be used for the award of these e-certificates once the results are announced.The candidates who have qualified the CBSE NET Exam & wish to download their UGC Certificates must follow the step by step procedure given below –Step-1: Visit the official link – Download UGC NET e-Certificate.Step-2: As soon as you’ll click on the above link, a page containing the login form will appear on the screen.Step-3: Here the candidates must enter all the required details accurately and click on Login Button to download their certificates.Step-4: After clicking on the login button, the UGC NET e-Certificate will appear on the screen. Candidates must download it and take its print out for future use.Important Announcement: CBSE UGC NET Nov 2017 Results has been declared now! Keep Visiting the Blog for regular updates.
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Can we apply for an Indian tourist visa (not entry visa) for our US-born daughter? We both have Indian citizenship and live in t
Yes, your daughter is a Person of Indian Origin and qualifies for an OCI card [1] You can apply for the OCI online, and it takes about 12 weeks to get it. An OCI card is a multiple entry visa. Your daughter will be able to travel to India as long as it’s valid. I just went through this for my daughter, and can try to explain itThe OCI application process is the most complicated process I have ever gone through in my life. Recently they have started making everything online, and of course becausewe are like this only, they have to do everything their own way instead of just copying what every other country in the world does. So, buckle up for some fun. See, the thing is that there are many agencies involved here. OCIs are granted by the Indian Passport office. However, the embassy is actually going to provide the OCI card. And the embassy doesn’t want to deal with people anymore (unless there’s an emergency). So, they have picked a private company called Cox and King’s (CKGS) to be the intermediarySo, the process is thisa) You go to the CKGS website to start an applicationb) Midway through the application, you halt the application, and go to the Indian Passport office’s website and start a new applicationc) You scan and upload a bunch of documents. d) During the process, the website will ask you to sign the document by drawing your signature. DONT SIGN THE DOCUMENT BY DRAWING YOUR SIGNATURE. Because after you have submitted your signature, it tells you that if the applicant is a minor, you need a thumbprint and you shouldn’t put the parent’s signature. By the time it tells you that, there is no way to go back and unbdo your signature. Why? because we are like this onlye) The Passport office website will give you a softcopy of the application form that you just filled out. Print this form, and keep the soft copy. It also gives you an application number. Keep this numberf) Go back to CKGS website to complete your application. Upload the application form that the Indian Passport office and paste the application number in the correct field to continueg) CKGS will give you a checklist of the documents that they need. Pay good attention to this checklist. Some of the documents need to be scanned and uploaded. For some of the copies, they need hard copies that needs to be sent to them (more on this later). For some documents, they need the document to be signNowd copies(more on this later), for others they don;t need signNowd copies. I can’t understand how they decide what they can signNow and what they can’t. Pay attention to what needs to be done to which document because if you make a mistake, CKGS will return your application back to you. By the way, these documents are extensive. For example, you will need to show that you and your wife are married, so you have to provide your marriage certificate. I have no idea what single parents do! h) Reupload all the documents that you uploaded in step c. By the way fill all the information again. Why couldn’t CKGS talk to India passport office and get all this information themselves? Because we are like this onlyi) Pay CKGS $300 dollars. This is on the cKGS websitej) Pay CKGS $31.50 courier fees. This is $15.00 to send the documents to CKGS, and $15 for them to send the OCI card back to you. This is also on the CKGS websitek) CKGS will give you a payment reciept for you Print out the payment receipt for both things. CKGS will also give you a prepaid FedEx barcode. Print that outl) Go to the notary to signNow the documents. This is funny. As you might know, notaries signNow documents as “true copies”, which means that they are basically attesting that the copy is the same as the original. Depending on your jurisdiction, notaries are not allowed to signNow certain documents. For example, in Virginia, notaries cannot signNow birth certificates. What they can do is signNow a statement from you that says that you claim that the copy of the birth certificate is original. If your notary refuses to signNow a document, there is another form that you need to sign and get it signNowd.m) Make a neat packet from all the documents that you need to send to them. Go to fedex. Put the documents in the fedex envelope and give fedex the barcode and they will ship it to CKGS. Note that you are not sending originals yet. Why? Because you have a long way to go! LAso, remember the payment reciepts that you got from CKGS. You have to put the printouts of those payment reciepts in this packet. Where is this packet going? To CKGS. Where did you get the payment recipet from? CKGS. Why do you need to send the reciept back to CKGS instead of them simply looking up the transaction in their database? We are like this only.n) CKGS check the documents and send them to embassyo) Embassy will check the documents and send them to Delhip) Delhi will give their blessing and now you have entered the phase called the OCI Match Up phase. Yay!!! Until now, you were getting ready to apply for OCI. Now you are going to actually apply for OCIq) Go back to CKGS website to start the OCI match up process.r) Now there’ another checklist that says what you need to send them. The checklist lies. It says that you need to send them a Money Order. You don’t need to send them a Money Order. I spent 20 minutes on hold with the CKGS call center today to confirm this. This 20 minutes is my gift to yous) You will again pay for fed ex shipping like you did last time, and it will print out a pre-paid fedex envelope for you. Pay attention because apparently there is a button somewhere that you can use to tell them that you already paid them $15 for return courier when when you paid courier fees last time. I missed this button and paid $15 extra. Again $15 is my gift to you. If you want to give me $5, ping me, I’ll give you my Paypal account. :p I already made a $15 gift to CKGSt) Now you send them copies of the receipt that shows you have made payments, and the actual US passport of your childu) They will process this and send back the OCI card to youFootnotes[1] Visa for India from USA - CKGS USA
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Which tools help to boost work productivity?
First things first, from all the tools I use, I’m listing a few that save me an immense amount of time. Thus helping me focus on things that matter. Here goes my list:Pocket - A handy tool to save useful links. After a while, my bookmarks are just unorganised and Pocket made it simple to save links. I could save everything in one place and hence retrieval is easy. Also, If I ever come across something during work that might be a distraction, I Pocket it and read it later.Buffer - Primarily I use this to manage posts and content from our SM handles. I schedule posts at one time and never have to look at it again. This saves a lot of time as I can dedicatedly work on the content and push them to the pipeline.LearnBee - (Disclaimer: my team built it and I use it every day). I use it to find a specific work file quickly or to attach multiple work files in an email or to search for a file to show to the team during a meeting. The Chrome extension just saves me an immense amount of time, which I otherwise waste searching for a file.Jira and Trello - Both of these tools help me individually as well as my team to prioritize, organise and complete tasks in a better and efficient way.
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Did Greeks originate from north Africa?
No. I understand that this question is related to E-V13, found in the Balkan. E-V13 isn't a quantifier of Greek genetics, it is one of many Greek founding lineages.Haplogroup E1b1b may have arrived in Europe by two routes: through the Middle East/Levant and directly from North Africa.The oldest E-M78 in Africa has been found at Taforalt Morocco. The Max Planck Institute for Evolutionary Anthropology in Leipzig, have sequenced DNA from individuals from Morocco dating to approximately 15,000 years ago, as published in Science. This is the oldest nuclear DNA from Africa ever successfully analyzed.The Y-DNA of 4 males waa found in E1b1b1a1-M78. This haplogroup occurs most frequently in present-day North East African populations The closely related E1b1b1b (M-123) haplogroup has been reported for Epipaleo- lithic Natufians and Pre-Pottery Neolithic Levantines (“Levant_N”). Unsupervised genetic clustering also suggests a connection of Taforalt to the Near East.What we are learning now is that certainly NW Africa's was genetically/demographically connected to NE Africa and to West Asia even at the very beginning of the local Upper Paleolithic, demolishing quite apparently all the theories that linked it to European Upper Paleolithic (from which it got its "Ibero-Maurusian" name).Also this quote from the authors in the press release:“The Iberomaurusians lived before the Natufians, but they were not their direct ancestors: The Natufians lack DNA from Africa, Krause says. This suggests that both groups inherited their shared DNA from a larger population that lived in North Africa or the Middle East more than 15,000 years ago, the team reports today in Science”The population exhumed from the archaeological site of Taforalt in Morocco is a valuable source of information toward a better knowledge of the settlement of Northern Africa region and provides a revolutionary way to specify the origin of Ibero-Maurusian populations.I wouldnt consider these Taforalt samples as thé ancestors of modern E-M78 subclades carriers (V22, V12, V65) What we see by contrasting the map of inferred patterns or E1b1b-M81(the berber marker and dominant in north west Africa) expansion and this ancient Y-DNA data from Taforalt is that the main E-M78 expansion most likely was already done, considering its age( formed 19800 ybp, TMRCA 13400 ybp) that it could represent an expansion from older times, much as I2 seems to have expanded in Europe. This would allow for V65 ("from west Egypt to Morocco" per one decription of its geography) to have expanded from NW Africa, not necessarily from Taforalt though but somewhow related to it.According to the authors "Several lines of evidence suggest that E-M78 sub-haplogroups have been involved in trans-Mediterranean migrations (in)directly from Africa. E-M78 and E-V65 haplogroups are common in northern Africa, where they originated, while other clades(like E-V13) are observed almost exclusively in Mediterranean Europe, as opposed to central and eastern Europe and the Horn of Africa among somali males (E-V32)The oldest to date sample of E-V13 we have is from Later Neolithic Hungary (1 in Sopot culture and 1 in Lengyel, c. 4500 BC and the earliest known prehistoric sample, the couple from Epi-Cardial Spain (c. 5000 BC).E-V13 has also been found in a skeleton of Avelanner Cave in Catalonia dating from 5000BC (cardial culture)So we know for sure that E1b1b was present in southern Europe at least since the Early Neolithic. Nonetheless, the possibility of other migrations of E1b1b to southern Europe during the Mesolithic or Late Palaeolithic cannot be ruled out.Research shows that the ancestors of modern Greeks were( indeed )the Minoans and Mycenaeans, already inhabiting the Greek peninsula for the past 5000 years, since 3000bc.Minoan Boxing Boys, restored fresco from Thera (modern-day Santorini), c.1600 BC. Currently located at the National Archaeological Museum in Athens, Greece.The Fisherman fresco is from the 16th century BCE from the Akrotiri site in GreeceTheir ancestors moved into Greece during the neolithic and bronze age from Anatolia and before that from the Caucasus..Mycenaean Fresco wall painting of an elborately dressed women in a procession from the Tiryns, Greece 14th, 13th Century BC Cat No 5883 Athens Archaeological MuseumScientists have obtained and analyzed the genome of ancient Mycenaean people and found they are strongly related to modern Greeks. Around three-quarters of the Mycenaeans' and Minoans' ancestry originated in Anatolia, present-day Turkey. The remaining quarter can be traced back to the Caucasus, near modern-day Iran.The Minoan Civilization and its counterpart on the Greek Mainland, the Mycenaean Civilization, were Europe’s first literate societies and the cultural ancestors of later Classical Greece. However, the question of the origins of the Minoans and their relationship to the Mycenaeans has long puzzled researchers.The Mycenaeans, with their roots in mainland Greece, seem to have adopted much of the Minoan technology and culture, but it is not clear how they were related. “We wanted to determine if the people who made up the Minoan and Mycenaean populations were actually genetically distinct or not. How were they related to each other? Who were their ancestors? And how are modern Greeks related to them?” says Johannes Krause, director at the Max Planck Institute for the Science of Human History and one of the corresponding authors of the study.A paper from 2017 in Nature suggests that, rather than being recently arrived, advanced outsiders, the Minoans had deep roots in the Aegean. The primary ancestors of both the Minoans and Mycenaeans were populations from Neolithic Western Anatolia and Greece and the two groups were very closely related to each other, and to modern Greeks.“It is remarkable how persistent the ancestry of the first European farmers is in Greece and other parts of southern Europe, but this does not mean that the populations there were completely isolated. There were at least two additional migrations in the Aegean before the time of the Minoans and Mycenaeans and some additional admixture later. The Greeks have always been a ‘work in progress’ in which layers of migration through the ages added to, but did not erase the genetic heritage of the Bronze Age populations,” stated Iosif Lazaridis of Harvard Medical School, lead author of the study.Genetic origins of the Minoans and Mycenaeans“Minoans, Mycenaeans, and modern Greeks also had some ancestry related to the ancient people of the Caucasus, Armenia, and Iran. This finding suggests that some migration occurred in the Aegean and southwestern Anatolia from the further east after the time of the earliest farmers," according to lead author Iosif LazaridisA European population in Minoan Bronze Age CreteMinoan were genetically very similar to modern-day Europeans but distinct from Egyptian or Libyan populations.EV-13 marker is neolithic and came into Greece and the Balkans before the arrival of the Dorians and Myceneans. When the Greek speaking Dorian and Mycenean proto-Greeks arrived in Greece around 1500 BC they mixed with the indigenous E-V13 neolithic peoples and the percentage of neolithic E-V13 marker became reduced in the population. The Dorians and Myceneans who brought the Greek language into Greece were not E-V13 carriers.The proto-Greeks (Myceneans / Dorians) who brought the Greek language into Greece were R1a carriers. They mixed with the neolithic peoples / Pelasgians of Greece who were E-V13 carriers.Neolithic farmers spread all around Europe,they didn't just sit in one placePericic et al. (2005) give a 7.3 kya estimate for the expansion of E-M78α (almost perfectly equivalent to E-V13) for Southeastern European populations north of Greece. Due to their use of the 3.6x slower mutation rate, this figure needs to be converted to equivalent years. The Nea Nikomedeia time depth was estimated as 9.2kya by King et al. Therefore, the equivalent age for the Pericic et al. (2005) expansion is (7.3/9.2) * 149 generations or 118 generations (1,540-950BC). They note that STR variance is higher in Greece, Macedonia, and Apulia, all areas with well-known historical Greek connections.Tracing Past Human Male Movements in Northern/Eastern Africa and Western Eurasia: New Clues from Y-Chromosomal Haplogroups E-M78 and J-M12Cruciani et al. (2007) propose that E-V13 arrived in Europe from West Asia and underwent an expansion in Europe at 4-4.7 kya. This age is calculated using effective mutation rates that are 2.4 or 2.8 slower than the germline rate, which seems to suggest a Late Bronze Age or even later expansion with a rate closer to the germline one.The signature North African marker E-M78, dominant in Egypt with its subclade E-V22 descends from Eurasian Adam CT-M168 E-M78 is a Non_African genetic marker. (Hodgson et al 2014)E-M78 has a near eastern neolithic origin"Both the King et al. E-V13 data, as well as the diverse, mostly European Haplozone E-V13 agree in placing the expansion of this haplogroup squarely in the Aegean Bronze Age.Haplogroup E1b1b has been associated with the earliest development of Neolithic lifestyle and the advent of agriculture, which is so far believed to have arisen in the Fertile Crescent, but could have developed earlier in parts of North/North East Africa. Agriculture spread from the Near East to Europe, at first mostly ovicaprid and cattle herders. E1b1b men (accompanied by G2a, J and T men) appear to have been associated at least with the diffusion of Neolithic painted pottery from the Levant to the Balkans (Thessalian Neolithic), and with the Cardium Pottery culture (5000-1500 BCE) in the Western Mediterranean. The only concrete evidence for this at the moment is the presence of this E-V13 subclade, commonest in the southern Balkans today, at a 7000-year old Neolithic site in north-east Spain, which was tested by Lacan et al (2011).E-v13 marker is considered a Greek marker because it follows the foot-print of ancient Greek colonisation - wherever ancient Greeks colonised the ev-13 marker went with them. R1a is also proto Greek and was carried by the proto-Greeks (Dorians and Myceneans) into Greece when they migrated there. Modern Greek DNA is the most similar to Southern Italian DNA which makes sense since Southern Italy was heavily populated by “Greek” colonists from 900 BC.On genetic test Sicilians are very similar to Peloponnese Greeks, Greek islanders & South ItaliansDifferential Greek and northern African migrations to Sicily are supported by genetic evidence from the Y chromosomeCornelia Di Gaetano et al.AbstractThe presence or absence of genetic heterogeneity in Sicily has long been debated. Through the analysis of the variation of Y-chromosome lineages, using the combination of haplogroups and short tandem repeats from several areas of Sicily, we show that traces of genetic flows occurred in the island, due to ancient Greek colonization and to northern African contributions, are still visible on the basis of the distribution of some lineages. The genetic contribution of Greek chromosomes to the Sicilian gene pool is estimated to be about 37% whereas the contribution of North African populations is estimated to be around 6%.In particular, the presence of a modal haplotype coming from the southern Balkan Peninsula and of its one-step derivates associated to E3b1a2-V13, supports a common genetic heritage between Sicilians and Greeks. The estimate of Time to Most Recent Common Ancestor is about 2380 years before present, which broadly agrees with the archaeological traces of the Greek classic era. The Eastern and Western part of Sicily appear to be signNowly different by the chi2-analysis, although the extent of such differentiation is not very high according to an analysis of molecular variance. The presence of a high number of different haplogroups in the island makes its gene diversity to signNow about 0.9. The general heterogeneous composition of haplogroups in our Sicilian data is similar to the patterns observed in other major islands of the Mediterranean, reflecting the complex histories of settlements in Sicily.Differential Greek and northern African migrations to Sicily are supported by genetic evidence from the Y chromosomeSouthern Italians/Sicilians are partially Greek (Magna Graecia).An additional piece of evidence is Y-chromosome distribution in Calabria, a Southern Italian region with well-known Greek connections. According to Semino et al. (2004) [Am. J. Hum. Genet. 74:1023–1034, 2004], the Calabrian sample has an E-M78 frequency of 16.3%, whereas "Calabria 2" representing the "Albanian community of the Cosenza province" has only 5.9%. This is consistent with the idea that E-V13 in modern Albanians is to a great degree due to Greek founders (Epirotes or ancient colonists).Albanians also coalesce to Roman/Late Antique times, consistent with the idea that their high frequency of haplogroup E-V13 (which signNowes very high numbers in e.g. Kosovars) is not associated with high diversity. Founder effects in that time frame are the reason for the high frequency of E-V13 in them.Albanians are a mix of Bronze Age invaders of Yamnaya culture and Neolithic residents of Balkans.Cruciani 2007 also mentions some oddballs for the Greek maritime theory:- Slovaks: 8.33% E-V13- Hungarians: 9.43% E-V13No mention of Serbs but the Republic of Macedonia has as much E-V13 as mainland Greece (17%), while Albanians double that figure (32%).Slavomacedonians from the former Yugoslav Republic of Macedonia coalesce well into AD times, at around the time of the first Slavic arrivals in the Balkans. This suggests that E-V13 in them is the result of local founders at around that time who adopted the Slavic language. However, Pericic et al. (2005) report high (but unspecified) diversity of E-M78α in "Macedonia", so it is possible that a larger number of earlier inhabitants were absorbed.Finally the highest concentrations of E-V13 west of Sicily are among Atlantic Iberians (Portuguese, Asturians), where historical Greek colonization was zero. This confirms again some older flow of Neolithic or maybe Chalcolithic age. There are other significative ammounts of this clades in most unlikely places like Denmark (3%), Germany (4%). All that can only be explained with Neolithic founder effects or something of the like. Ukranians (strong in E-V13) may have affected Northern Europe genetically... but at a time when the Greek ethnicity did not yet exist as such.Conclusion. Based on these results Minoans and Mycenaeans were genetically highly similar but not identical and that modern Greeks descend from these populations. The Minoans and Mycenaeans descended mainly from early Neolithic farmers, likely migrating thousands of years prior to the Bronze Age from Anatolia, in what is today modern Turkey.“Minoans, Mycenaeans, and modern Greeks also had some ancestry related to the ancient people of the Caucasus, Armenia, and Iran. This finding suggests that some migration occurred in the Aegean and southwestern Anatolia from further east after the time of the earliest farmers,” said Lazaridis.While both Minoans and Mycenaeans had both “first farmer” and “eastern” genetic origins, Mycenaeans traced an additional minor component of their ancestry to ancient inhabitants of Eastern Europe and northern Eurasia. This type of so-called Ancient North Eurasian ancestry is one of the three ancestral populations of present-day Europeans, and is also found in modern Greeks. There was genetic continuity in the Aegean from the time of the first farmers to present-day Greece, but not in isolation. The peoples of the Greek mainland had some admixture with Ancient North Eurasians and peoples of the Eastern European steppe both before and after the time of the Minoans and Mycenaeans, which may provide the missing link between Greek speakers and their linguistic relatives elsewhere in Europe and Asia.
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What do you think about Delhi government's initiative to provide doorstep delivery of government services?
The Delhi government’s initiative of doorstep delivery is not just about posting a certificate to the home, but also assigning a facilitator to help the citizen regarding the due process.I don’t think India is at a stage where only the copies of a certificate are respected. Even today, after more than a decade of working in IT sector, if I enroll for a course in some IIM, I would need to show my original certificate to the institute. If IIM don’t respect a scan, why any other agency would?The need of a hard printed original copy of a certificate remains forever. That should change with time, but for now, it has not.The good thing about the middlemen that are being introduced in this scheme is that they are not government employees. Of course any human interaction brings in a scope of corruption, however in some cases, having an optional human interaction won’t hurt.If a person wants to apply for driving licence, he or she would have to call a designated call centre and give the details. Thereafter, the agency would assign a Mobile Sahayak, who will visit the applicant’s residence and get the required details and documents.There is a human interaction today even with the TCS contractors regarding the Passport service, however they have only made the process better.Delhi is not a state which discourages online certificates. In fact it was only the second state after Kerala which went completely online (Delhi to be first state to go paperless in all govt departments). But, governance is also about the last man in the queue who still needs the hard copy.
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