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FAQs
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What are the biggest lessons you have learned in the corporate world?
Arriving early and doing nothing is viewed more favorably than staying late and working assiduously. It’s unfair, but it’s only the first boot of real life to kick you in the ass.HR and the ethics hotline don’t exist as a resource to you; they exist to cover management’s ass. I’ve worked for bosses who have used racial slurs, homophobic epithets, threatened and intimidated staff, used drugs in the office, and misappropriated their expense credits, but they were never so much as suspended. I almost lost my job for marking a sale as closed when I got verbal confirmation from my client (with my manager on the phone), only to get the actual signed documents a few days later.Always, always, ALWAYS document and organize files of communication between you and your superiors and you and problem clients. Did I say always? Discrepancies (read lies) in accounts of your interactions from either of these parties is a fast track to being escorted out of the building. Nothing shuts up a lying SOB like a time-stamped email with the intro, “Per my email on July 15, I mentioned….”Always keep a pulse on the job market. At least twice a year apply for jobs in your industry to get a sense on what your skills trade for in the open market and to sharpen your interviewing skills. It’s also a great habit to be in the orbit of recruiters because they operate within a tight-knit ecosystem, network with, and know one another. If you’re not a great fit for one role, and they like you, they’ll refer you to a friend or colleague looking to fill another role as a courtesy.Even if you’re not interested in a role that they may signNow you for, always try to recommend or refer qualified candidates to recruiters. This pays dividends down the road.Be wise as a serpent, yet as humble as a dove. Many people advise against making friends, but I would advise that you make them believe that you’re a friend. Being too cold and stoic in the office will make your colleagues withhold gossip, news, and politics from you that may be actionable. You can be friendly without being friends. Whatever your line is, find it and stick to it.Never get comfortable. I had a former colleague who never placed photos of his family or accomplishments in his cube and I asked him why. He said he is always prepared to walk out of the building with the items on his person at a moment’s notice. Speaking from experience, there’s nothing more humiliating or anxiety-inducing than taking the security assisted walk of shame with all of your belongings in a box and colleagues peeking above their cubes like prairie dogs to watch you walk the green mile. Work is a place where you should be as productive as possible; your family, spouse, hobbies, religion, proclivities, and creature comforts shouldn’t occupy the work space.Your manager is NOT to be trusted with personal information. Whether your mom has cancer, wife left you, your kids are suspended from school, or you’re late on the rent, these aren’t the people to share your most vulnerable moments with for two reasons; 1. They don’t have the power to do anything about them, and 2. They are more likely to report this things up the chain of command to use against you should it ever become convenient as a manipulation tactic. I know this oversimplifies things for the truly empathic, and supportive managers out there, but for the sake of generalities, let’s leave those 8 people out of this and err on the side of caution.Use your lunch hour as an opportunity to network with people within different departments to grow your customer base. Every employee has internal and external customers, and it will behoove you to learn how to cater to them. If you’re in sales, take someone in Dev Ops, Professional Services, R&D, or Customer Experience to lunch. You’ll learn all the horrible things sales people do that make their job a living hell, so you won’t perpetuate that. You’ll also forge some great individual relationships for emergencies when you need to phone a friend.Stay away from the office complainer. Every office has at least one, and he/she is a cancer on your outlook and productivity. Regardless of how valid their complaints are about the quality of the snacks, the scheduled All Hands meetings, the increased co-pays on the new insurance for annual enrollment, the way management is trying to screw us with the new Comp Plan, etc., the best thing to do is to keep your exposure to this individual AT. A. MINIMUM.Become a Subject Matter Expert in at least one or more topics within your department. This makes you indispensable among your peers and management, because they don’t want to(or can’t do) do the job of training the whole staff or answering all their questions.Volunteer to headline new products or services, and you’ll become more visible with leadership and ahead of the curve when those products/services become mandatory.Make your career decisions for the people who will attend your funeral one day; not the people in that office. Days, or even hours after your death, someone will be posting a requisition for your position, and your duties will fall on the shoulders of another. Make sure you spend your strategic decisions improving the quality of time with the people who will be crying at your funeral. This puts a whole lot of unnecessary office bullshit into perspective.If you’re in the US, talk to your colleagues about your salary. Corporations benefit from dwindling unions and individual, rather than collective bargaining by negotiating salary and compensation on an individual basis. Men, this is our opportunity to gain solidarity with women who work equally to ensure that they’re paid equally. White folks, this is an opportunity to ensure Black folks, Hispanics, and Natives are paid equally. This isn’t a zero-sum equation; corporations make enough money to pay us all equally. They have the luxury of not doing so. Hold their feet to the fire, or have them risk losing the war of retention.Be kind. Especially to the people who least deserve it. 9 times out of 10, they’re fighting prodigious personal battles, and the only place they can funnel their energy is at work. Be gentle, but don’t be a doormat either.Bring your authentic self to work. I’ve seen introverts, extroverts, flashy dressers, frumpy dressers, those gifted with supreme elocution, and those with the longest, strongest Southern drawl succeed in business, which proves one thing. Success doesn’t care how you show up; just that you show up. I wish you the best of luck on your journey!
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What are some great free online tools for entrepreneurs?
There’s quite a lot out there, depending on what you’re looking for :)Some free online tools (in no particular order):Dropbox. Save and share everything.Evernote. Best note app ever.FreePik. Find thousands of free images.SurveyMonkey. Create surveys to gauge customer feedback.Rapportive. Useful tool for Gmail that allows you to see other people’s social media profiles.Trello. Project management made simple.Slack. Work communication simplified.AdCat. Allows you to use a single picture to get perfect-sized, up-to-date ad images for Facebook, Instagram, and Twitter. Free.Easel.ly. Great infographic generator for creating attractive content. Engaging content is vital for attracting audiences.Google Analytics. See who’s coming to your site and from where, among many many other awesome functions.Sidekick. Awesome email tool that tracks when emails are opened — super useful for proper follow-ups.Hotjar. Recordings of users on your website. Amazing to understand user behavior, which drives marketing strategies.Hootsuite. For social media management in one easy to use dashboard.Leadin by Hubspot. For lead management.Ahrefs. Powerful SEO tool.Later. Instagram consistently shows amazing engagement with users. This tool manages scheduling for you.Crowdfire. Great tool to figure out who to follow on social media for optimal engagement.BuzzSumo. Analyze what content performs best.Social Rank. Allows you to see which are your most valuable followers.UberSuggest. Free keyword suggesting tool.LinkMiner. Free tool for the link building strategy.JustsignNowOut. Finds journalists interested in covering you.Keyword.io. Free keyword research tool for SEO.MailChimp. To run automated email campaigns.Optimizely. A/B testing to optimize your website.Google Trends. Shows how often a particular search-term is entered.TweetDeck. Owned by Twitter, it makes discovering content easily digestible and allows you to find the topics and people you want.Title Maker. Content idea generator.Explore. Get to know what’s trending.Engage Master. Convert visitors to customers.Startup Bootstrap. Website building templates.Submit.co. Get press for your startup.SumoMe. Tool set to grow your website traffic.Quip. View documents on any device.Atomic Squirrel. Startup checklist.There’s tons more out there depending on what you are looking for specifically. I’m happy to update and reorganize if you need more :)Disclosure: I’m working on AdCat.
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What is the best CRM for real estate agents? Must have integration with Google Contacts and Calendar and document management. It
The Best Real Estate& Marketing CRM is Zricks.comGlobal World Class NetworkJoin a committed group of real estate professionals (Agents, Freelancers, Builders and Developers) across India. Our comprehensive presence enables us to provide our partners with a unique combination of extensive global resources, network and technical expertise.CRM Support/DasboardEasy access to user-friendly Zricks Online CRM Dashboard. Monitor business performance, Leads Managment, Follow ups & Reports.Add, Capture & Manage LeadsCapture Leads on your Profile or Properties listed on our property portal. Get Email and SMS notifications simultaneously for every lead received on all your live inventories. Never miss any Lead or Sales Enquiries.Add & Filter Follow UpsAdd, Manage & Filter out your Leads with pre-defined follow ups in Zricks CRM Software. Keep track of your important leads which are on Calls and Site Visits through Follow-ups.Live your Inventory & Post unlimited property listings for FREEList unlimited residential and commercial properties for Sale/Rent. Post your Customer's property & save their confidential info in your account.Manage InventoryManage & Filter out your Inventory in CRM with pre-defined follow ups.Automated Matching between Leads & InventoryOffering faster conversion by Matching potential leads with property listings.Live your Customer's RequirementsShare & Post your Customer's requirements in Zricks CRM and Marketing Platform.TransparencyOur Real Estate CRM Support provides real time tracking of customer interactions and lead management. A complete tranparency is maintained from lead generation to lead conversion.Higher ProfitabilityEngage with your customers and manage potential customer relations through our user friendly CRM. Access to exclusive property deals & Offers right into Zricks CRM. Higher firm productivity leads to higher profitability.Syndicate your ListingsAuto push your property listings to international property platforms like Nestoria, Trovit, Mitula etc. in order to get maximum visibility and generate more verified and quality leads.Reports, Trends, Analytics & StatsLive MIS Performance tracking and reporting of leads and properties. Monitor real time activities right from your Zricks CRM Dashboard. Getting organised, systematic and consistent in customer follow-ups will help in closing more deals or transactions efficiently through us.Visit: Zricks.com
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What are the main areas that one should learn during CA articleship?
I did my articleship from Khimji Kunverji and Co., one of the top firms in Mumbai; and it was an awesome experience. Let me shed some light on my learnings -Learn to say NO - Random seniors come and give you random work. Learn to say No. Learn to say you are busy. You are not a dustbin.Learn to say YES - You need to have a good rapport with your immediate seniors and your boss. I have filled my boss’s daughter’s BFM admission form because she needed some help. Sometimes, you have to keep your ego aside and look at the larger picture.Whether audit or tax is the one for you - You tend to spend 3 years in articleship, doing either audit or tax. It is good enough time to gauge whether you want to do this for your entire life or not. For me the answer was NO, and I switched to Finance. No point wasting time once you qualify.Domain Knowledge - In your first job interviews after becoming a CA, a lot of stress will be on what you did during these 3 years. You should be upto date with that. Get your basics right.Out time is a myth – As per my firm HR Manual, the official work time was roughly 10-30 to 6–30. Strangely, you used to be penalized for coming late, but no credit for going late. It’s the norm. Get used to it.Make Mistakes - Ask stupid questions. Make mistakes. Experiment. Because you have the license to. You are a fresher. As a CA, people expect more.Do not neglect your Social Life - Its important. Your boss will not come at 12 to your place with a cake in his hand, wishing you a happy birthday.I remember getting into a train during my 1st year articleship. I somehow started chatting with a guy standing near me. He was a CA. I told him I just cleared IPCC and started with articleship. He started laughing and said “Welcome to Hell”.With all the office and study pressure, you might feel life sucks during articleship, but it will be a great experience. You will create memories of a lifetime. Cherish it :)
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What are some great online tools for startups? Why?
Startups need something that can give then maximum at minimum invest because the number of risks is always high! We understand all your needs and hence we have got this product for you- PayUnow!Be it any startup: food, automobiles, e-commerce, travel, IT, education or homemakers, this one is for you! It is available for FREE for Android and iOS users. Let customers discover you as you upload pictures of delicacies. To collect online payments easily, anytime and anywhere, all you have to do is share a unique business link or website which you will create with us for FREE! Here’s why you should download the app NOW:It is FREEAllows you to create a business website with zero maintenance costHas the lowest TDR in the market i.e 1.99+GST!Lets you showcase your productsAllow you to add contact details and locationMultiple payment options supportedYour customers do not need an app! All you need to accept payments directly in your bank is one link: you can choose this link for FREE!Quick and paperless bank verification and documentationPayUnow is a product of India’s largest Fintech Company- PayU! Join the communtiy of 4.5 lakhs+ businesses like you! We look forward to empowering the SMBs and give them a relief from the hassles of payments so that the only thing you need to focus is your business growth! We are continuously creating a guide to assist you with the best. Learn how to sign up, edit, share and verify by visiting here:
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How do I register a startup in India? How much money and time does it take? If am currently only 17, what issues will I face dur
Algorithm for starting a Private Limited Company: Engineer's View Personally I believe, If someone is starting a company with long term perspective or to bring some change through their unique Product/Services, one must go for Private limited firm. Prime reason for this is easy to raise funds from Angels/VC in case you go for investment. Step 1. Registration of Company 1. Name Selection: Check whether your desired company name is available or not at MCA website [ http://www.mca.gov.in/ ]. Name must be unique & must resemble with business you intend to do (highlighted one). EX: Arihant Labs Retail Services Pvt. Ltd 2. Registration of Name at ROC: Name approval usually takes maximum of 14 days. This is done online through MCA website. Moreover, you need to apply with at least 4 names for approval with a writeup about significance of names with main business of the company. 3. 1. Documents Required: 2. 1. Options for names for the proposed Company (on the basis of preference) 2. Amount of Share Capital; proposed shareholding ratio 3. A paragraph on the proposed major line of business of the company (main objects) 4. City of Registered Office. 5. Copy of ownership deed/sale deed(if property is owned) 6. Copy of rent agreement with NOC (if property is rented) 7. Copy of latest electricity bill/telephone bill/mobile bill for both directors 8. Copy of latest electric bill/telephone bill for the registered office proof. 4. Obtaining DIN & DSC: 5. 1. Documents Required 2. 1. PAN Card copies for directors and shareholders. 2. Voter ID/Passport/Driving License for directors and shareholders. 3. Occupation of the Directors for directors and shareholders. 4. E-Mail IDs of all directors and shareholders. 5. Phone Numbers for all directors and shareholders. 6. Photos for directors and shareholders 6. Company Incorporation: After above mentioned formalities have been completed, we need to file following forms/docs in Rs 100 stamp paper: 7. 1. Affidavits for non- acceptance 2. INC 9, INC 10 3. DIR 2 4. NOC : This is required to be filed by the owner of the property on which your company will be situated. 5. Subscriber Sheets of MOA & AOA 6. Documents required for filling MOA & AOA 7. 1. Must be filled on OWN handwriting 2. Passport size photos 3. Sheets needs to be witnessed by CA/CS/Advocate Step 2. Obtaining PAN/TAN: After company gets incorporated, you may apply for PAN/TAN. Step 3. Trade Licence in case you are selling PRODUCTS: This is required in some places for carrying out sales. You can obtain this from local Municipality. Step 4. VAT/CST registration for selling Products: For selling intra-state, you need VAT registration & for selling inter-state, you need to register for CST. 1. Documents Required: 2. 1. Trade Licence 2. Company Incorporation Certificate 3. PAN card of company as well as of all the directors 4. Proof of residence of Directors 5. Proof of occupancy of place of business (Rent agreement/ ownership deed, Rent Bills etc) 6. MOA & AOA of company 7. Current Account in the name of company in any national bank Step 5. Service tax registration for Service Industry: In India, you need to pay service tax of 14.5% on every services you have charged customer for. 1. Documents Required: 2. 1. Company Incorporation Certificate 2. PAN card of company as well as of all the directors 3. Proof of residence of Directors 4. Proof of occupancy of place of business (Rent agreement/ ownership deed, Rent Bills etc) 5. MOA & AOA of company 6. Current Account in the name of company in any national bank That's All folks! Your STARTUP is up to Conquer the World. UPVOTE & SHARE your views/issues We at labkafe [ http://labkafe.com/ ], prefer taxmantra [ http://taxmantra.com/ ] for our legal requirements.
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What is 'Digilocker'?
DigiLocker is an "advanced locker" benefit worked by the Government of India that empowers Indian natives to store certain official records on the cloud. The administration is pointed towards decreasing the need to convey physical reports, and is a piece of the Narendra Modi-drove government's Digital India activity.1 GB of storage room is offered to clients to store recognizable proof card issued by government organizations, training declarations, PAN cards, driving permit, vehicle proprietorship records and some different archives.Clients need to have an Aadhar card to utilize DigiLocker. For joining, the Aadhar card number and the one-time secret word sent to the Aadhar-related versatile number, should be entered. For later log-ins, the client can set their own particular secret key it connect the record to Facebook or Google logins.The beta rendition of the administration was taken off in February 2015, and launched by the Prime Minister on 1 July 2015. The storage space allowed was 10 MB at first, and was later expanded to 1 GB.In July 2016, DigiLocker recorded 20.13 lakh clients with a vault of 24.13 lakh documents. The quantity of clients saw an expansive hop of 7.53 lakh in April when the legislature had encouraged every single metropolitan body to utilize DigiLocker to make their organization paperless.From 2017, the office was signNowed out to permit understudies of ICSE board to store their class X and XII authentications in DigiLocker and offer them with organizations as required. In February 2017, Kotak Mahindra Bank began giving access to archives in DigiLocker from inside its net-managing an account application, enabling clients to e-sign them and forward as required. In May 2017, more than 108 healing centers, including the Tata Memorial Hospital were wanting to dispatch the utilization of DigiLocker for putting away disease patients' therapeutic records and test reports. As indicated by a UIDAI modeler, patients would be given a number key, which they can impart to another doctor's facility to enable them to get to their test reports.There is likewise a related office for e-marking archives. The administration is proposed to limit the utilization of physical reports, decrease regulatory costs, give validness of the e-records, give secure access to official archives and to make it simple for the inhabitants to get administrations.#Thank_wikipedia and Follow Manish Kumar …Cheers
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What kind of skill set should a CA student develop before starting Articleship?
This hunger for more knowledge is good for a CA Student. It is a very good idea to know what others have learnt and re-assess oneself on the basis of same, so that you become equally competent. This is a good way of improving oneself.Part A - About the core Knowledge:(a) What your firm operates in - you can't do much beyond that.Core Knowledge = Practical Knowledge about areas your firm is operating in.See the firm you have chosen or you got into, basically will provide you with the knowledge of some of the fields in which Chartered Accountants works. You cannot gain knowledge about all fields in which Chartered Accountants work, since the scope is very wide and whether it is a Big Four or a sole proprietor Chartered Accountant, nobody can give you work experience in all fields. So basically these core areas where you get to work - you have to be satisfied with the same. All you can do is - learn from experiences of your friends who are in to different core areas. This is a rigid area, and not much can be done in this.(b) Try to get an assignment in all kinds of activities that your firms do -You can't go out of the box in which your firm operates, but atleast you can learn everything that is in your box. Many articles run away from certain things - saying it is a low category assignment or not so fascinating. It is because they all hear it from their friends about the big industry they worked in and blah blah things. But go and ask those friends, if they know, what is the procedure to obtain a PAN card and a duplicate PAN card? What is the procedure to obtain Shop Act? or atleast if they know what is Shop act?My Insights -In our office they didn't used to allow articles to do that, the administrative people like Bcom people used to do that. But I insisted on the same, to allow me to do them once. The task was easy, but it was something very basic that I learnt. Later when you start your practice or job, these are somethings that give you edge over others. If you become an entrepreneur, you can handle those things yourself. So it is beneficial always.(c) Try to get assignments in all kinds of industries that firm works in -Basically most Chartered Accountants work in some fixed industries since when you do good to one client, similar clients get attracted, so automatically, you will see that most clients are of similar category. As an article you should try to do audit of all kinds of organizations -Based on organization type like Sole proprietor, Private limited companies, Partnership firms, trusts, public limited companies etc.Based on different business forms like Retailers, Wholesalers, Chain stores, Manufacturers, Service providers, Traders, Consultants, Support Services, Maintenance services, Export oriented, etc.Based on different industries like IT, E-commerce, FMCG, Finance, Automobiles, Telecom, etc.Based on Tax benefits or special act companies like religious trusts enjoying benefits u/s 11 or 12, regulated companies like insurance, banking, etc. or may be companies in Special Economic Zones, etc.A Piece of Advice -You won't find all of the above in any one firm. Such firms giving such wide opportunities don't exist. But thing is - you need to explore every corner of your own firm, whatever it is.(d) Try to gain overall knowledge of all types of works -Don't think about specialization in Articleship, it is not that much useful, because if later in life that sector goes down, your career will get a full-stop. As a Chartered Accountant you must first learn all the basics of all types of work, when you become aware about basics, i.e. after articleship, then you should try to develop core competence when you find jobs or do practice.My Insights -If you don't get an assignment of different type - go to your principal and say that "Sir, I want to learn about that kind of work, if next time there is any work related to that xyz client, please give me a chance." I did it in my articleship, and I got those opportunities, Sir was happier indeed, that an article was ready to take up some sort of responsibility. I am pretty sure, 80% of Chartered Accountants would do the same. If you say politely, the teacher inside them will awake, and they will allow you to fly!Part B - Other things that you should learn during articleship - More important than above said things!(a) Office Ethics -You should learn about the office culture, how people dress, talk, meet and greet colleagues, seniors and clients. It is very important to observe how people form groups, how they make their juniors to work and seniors to help/guide. It is very important to notice, how others are keeping good relations with administrative staff i.e. HR, Clerks, etc. - something that is very helpful at times of problems. There are many more things - basically you have to learn how people operate in office and especially how your boss stays in office - since someday you too will be a boss.A Piece of advice -Learn good things only. Although I assume most Chartered Accountants are well cultured and natured, but exceptions may exist. But remember, may be your boss was good or bad, you have to become a good boss in future.At many times you feel that your boss did wrong, and he/she should have allowed you to do xyz thing. Remember such incidents or make a note of it. When you become a boss, you do them correctly. If you are able to do, you are a good boss, else you will realize had a wrong idea about your boss.(b) Printing, Scanning, Documenting, Letter typing, Organizing Office, Using appropriate Stationery -Your reaction - "Oh God! Really?"Consider this situation - you are in a corporate office, a high ranked employee. You tell the clerk to scan a document, but your clerk is new. He is not acquainted with the printer. What would you do, if you yourself don't know how to use a printer or scanner? In early days of your job or in many companies, you don't have clerks who do it for you, you have a printer next to you and you have to do it yourself. In case you don't know these, what a shame! A Chartered Accountant, but does know how to use a printer or how to unpin a staple! God! Dummies on earth.My Insights -One of the expert HR was sharing his experiences with interviewing Chartered Accountant, at a conference that I was listening to. He said, we tried an experiment successfully. We told every candidate entering into the interview room to arrange certain documents and properly organize them into a file. Now on the basis of how file was organized, they discovered candidates who had done dummy articleship or articleship of low grade, because those candidates never knew how to arrange a file, since they never did it in their lifetime.So basically the best thing about a good leader, boss, a senior or an entrepreneur is that he/she knows the work of all persons junior to him/her very well. That's why they can handle them well.So basically learn the following things and many more which I can't list out -How to properly document an Audit file?How to properly keep a permanent client record - both electronic & physicalHow printers, scanners, servers of your office, internet network, LAN systems, routers, biometrics, connections etc. work in your office.How to use correct stationery correctly? Like properly unpinning documents, or may be how to create sets for clients, income tax officers, registrars etc.How to draft covering letters, envelopes, request letters, etc.(c) Drafting Email Communications & Email Ethics -The most important part indeed of articleship. The fact is we never get opportunity to learn this anywhere else. This is a good ground to learn. Initially you can see how your boss writes email, how your senior does it. Then you can innovate it yourself. The thing is in business world, everything today goes on Email. Emails don't have a tone, they don't have smileys (means they are not used). Writing a good email, is an art. It is very important to learn how to write such kinds of emails.Emails asking client to provide information, with accurate requirement list.Polite Emails for making client realize the wrong they have done.Emails providing consultancy services. See email consultancy is a big time opportunity and costless service, in future a good means of earning.Writing intra-office emails.Whom to keep in CC, Never to use BCC, how should be the subject line, how should be the signature etc.When email shouldn't be used & telephonic conversations should be preferred, sending reminders, how to use meeting feature, etc.(d) Oral Communications - F2F or telephonic or over internetThis is again a great area to learn. It very necessary to learn how to interact with clients. The interaction can be face to face, or telephonic or over internet services like skype, etc. It very important to learn to learn how to deal with such situations. A conversation over telephone, has to be polite and discussing documents over telephone is also an art. Similarly communication over Skype is also an interesting thing to learn, one should know how to have business conversations over Skype and how to share documents, discuss & present over it.(e) Formatting documents - Something that stupids call stupidity!I have seen documents and emails from fellow Chartered Accountants, so pathetically formatted, that I sometimes wish to hit them with a stone, maybe their sense would come back then. But basically the idea is Chartered Accountants are professionals, and therefore, a professional behaviour is expected from them. The behaviour is expected highest in the documents and reports. Thus, it is very important to learn:Appropriate font sizes, font stylesHow to add tables in emails, how to structure an email, maximum size of emails, minimum size of emailsWhen to use and when not to use - bold, italics, underlines, shades, coloursHow to structure paragraphs, appropriate line spacingHow to convert documents into different formatsHow much margins to keep, how to make document print readyHow to make document secureHow to make documents self-explanatory by adding commentsHow to use various functions like footnotes, document review, freeze panes, grouping - sub-grouping, page numbers, author details etcCover page for report, report size, number of maximum pages, drafting executive summary, adding disclaimers, etc.Conclusion:The Part A makes you an intelligent Chartered Accountant.The Part B makes you an intelligent Human Being.And let me tell you, Part B is more important, because even if you don't become a CA, an intelligent human being can definitely live a good career!Ignoring the part B is very common amongst CA, and that's why MBAs getting an edge over CAs is also very common.Many people say 'Articleship is nothing but labour work', well it is because you think it that way, and that's why you are doing it that way. If you try, you will realize articleship period is life changing!"You will have hundreds of opportunities to learn the bigger things once you become CA, but not these small things. Once you become CA, people don't expect you to know everything, they understand it is quite impossible, but they definitely do expect that you know these basic things rightly."
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What are some of the requirements one needs to apply for a UK fiance visa?
I went through the U.K. marriage (“fiancee”) visa process last fall and just completed my further leave to remain application.Here’s what we submitted for each part.Fiance(e) visaCritically, you need to show that your British partner has annual income of at least £18,600/year or has eligible savings. There are several ways to do this; the most straightforward is if your partner has been employed by the same company for at least 6 months and can supply 6 months’ worth of payslips, a letter from their employer and bank statements with deposits matching what’s on their payslips. You can also meet the requirement through savings or self-employment or some combination of savings and employment; the visa application guidelines will give options for how to meet the income/savings requirement. If you do not meet this threshold and/or if you don’t submit proper documentation, your application will be refused.If you’re submitting a letter from your partner’s employer, it should include contact information for the company, your partner’s job title, how long they’ve been with the company and their salary. In our application, we submitted a letter from my then-fiance’s company, had his HR sign his past 6 payslips to verify their authenticity and then submitted 6 months of bank statements, where the deposits into his bank account matched his payslips.The second critical component after proving your partner’s income is proving that you’re in a legitimate relationship. We submitted flight, hotel, train and holiday bookings, photos of the two of us together, excerpts from email and WhatsApp exchanges that were dated and time-stamped to show an unbroken line of communication (my rule of thumb was one WhatsApp and/or email excerpt per month we’d been together but that might be excessive). If you’re getting married and have made bookings or inquiries in the U.K. for your wedding — registrar’s office, venues, that sort of thing — you can include documentation for that as well.Your fiance should have accommodation that’s suitable/available for you to live in when you move. You’ll need to answer questions about this in the main application and it’s a good idea to submit proof of address with your supporting documents. We submitted my then-fiance’s tenancy agreement but council taxes, mortgage statements, utility bills, etc. can also work.If you’re applying from a country where you’re not a citizen or don’t have permanent residency status, it’s a good idea to submit evidence that you’re there legally. I applied from Belgium, where I wasn’t a citizen but instead held a residency permit, and I submitted a copy of my Belgian residency and work permits and documentation from my work (payslips and my contract, as well as a copy of my lease). My payslips couldn’t count toward the visa’s income requirement, but it showed I was in Belgium doing what I said I was doing and was following immigration law there.Depending on your country of origin you may need to take an English proficiency test and/or have a tuberculosis test. The U.K. Visas and immigration site will have guidance on whether you need to do either of these.You’ll need to submit the main application and then the appendix specifically for the fiance visa. The main application will have very specific, very detailed questions about your fiance (sponsor in immigration lingo), your travel history and your immigration history. If you’ve traveled extensively, take care that the dates you give match what’s in your passport. You’ll also be expected to be up front about any prior visa refusals, not just from the U.K. For example, if you’ve been refused a Schengen visa or a U.S. visa, they’ll want to know about it.Note that it’s quite expensive to apply for the fiance visa from outside the U.K., and there’s no way to apply for this one from within the U.K. I believe it’s about £1,500 and the full payment is expected at the time of application. Any expedited or special services you tack on through third-party vendors will be extra. You’ll also need to submit biometric information — fingerprints, a new ID photo and a signature.Once you have the fiance visa, you’re able to travel to the U.K. to get married and must apply for further leave to remain — the FLR (M) category — before your initial fiance visa has expired. You can apply for the extension at any time after you’re married. Bear in mind that you will not be able to get married immediately after traveling to the U.K.; I had to spend seven “clear” days in the U.K. before we could give notice, and we had to have our notice published publicly for 28 days before we could get married. Be sure to account for this time so you don’t end up in a time crunch applying for your extension.Spouse visaAll that paperwork you submitted to prove your partner met the income threshold? You get to do that all over again, and you need to provide the same information: 6 months of verified payslips with matching bank statements, plus the employment letter with all the aforementioned information.They want to make sure you actually got married. You should absolutely include your marriage certificate. We also included some photos of our wedding day and scans of cards we received.They also want to make sure you’re now living together. You don’t need to have a mountain of paperwork (that’s more for the 2.5- and 5-year mark, where they expect you to have strong documentation of cohabitation and shared financial obligations) but you would ideally have a tenancy agreement, perhaps council tax or utility bills or something official that shows you reside at the same address. It must have come in the post; you can’t just print stuff off online. In our case we had two council tax bills, our new tenancy agreement and an account setup confirmation from the water utility.You’ll now need to pay the NHS surcharge for the duration of your residency permit. It’s £400 a year now, so a 2.5-year permit will cost £1,000. This will need to paid in full at the time of the application.You’ll also need to pay roughly £1,000 for the application fee (this is on top of what you paid earlier for the fiance visa). You can choose to pay more for expedited service.There’s an online application you’ll need to complete again, as well as declarations for you and your partner to complete and sign affirming that your marriage is genuine and giving the Home Office permission to run checks.You’ll also need to do biometrics again, so fingerprints, ID photo and signature. You can choose to do this at a satellite site close to you operated by a UKVI contractor. It’s fairly straightforward. They will also assist you with scanning and uploading your supporting documentation.In general my three pieces of advice are:Have plenty of savings. You can’t work in the U.K. on a fiance visa; you can only work once your spouse visa has gone through. Ideally — bearing in mind that you’re in a time crunch, as you need to apply for your extension before your fiance visa expires, regardless of at what point in your visa’s validity you get married — you’ll have money for your fiance visa, your eventual NHS surcharge and the spouse visa extension already saved up when you make your initial application. This is really the only way to 100% guarantee you don’t run out of money or have a shortfall. I had all of my visa-related fees in hand before I applied; I didn’t rely on future earnings, nor did I expect my fiance to pay the fee as his earnings needed to support both of us while I was out of work.Do not cut corners or underestimate how stringent the income requirement is. This is probably the top reason for a rejection — someone’s missing a bank statement, they don’t include payslips, the deposits don’t match the payslips, the income is too low, etc. This absolutely will fuck you up if you don’t have the right documentation.Triple-check everything and keep everything because you’ll probably need it later. Check your passport stamps to make sure your entry dates match up. Make sure you’re not missing anything. Make sure you sign anything that needs to be signed. This is not something to do quickly or half-assed. Give yourself enough time, have someone else look over it if possible to check after you with fresh eyes. Work on it, give it a day and look it over again — I bet you find a mistake you made. As soon as you’re set up with your fiance, start saving up council tax bills, doctor’s letters, utility bills, anything from your landlord, etc. Start preparing for your extension immediately and it will be easier to do when the time comes than if you’re lax with paperwork and have to go back and find year-old water bills later on.Good luck.
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