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FAQs
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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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How do I register my company and logo in India?
Incorporating a company in India is slightly difficult than you may think. Its better you hire a CS, CA or a Lawyer to do it for you. Nonetheless, here is the process:(1) Obtain DIN (Director Identification Number) from Registrar of Companies, Ministry of Corporate Affairs of all the proposed Directors in your Company. (2) Obtain DSC (Digital Signature Certificate) from any of the authorities recognised by Registrar of Companies of all the Directors. (3) Apply in a prescribed format to the Registrar of Companies for the approval of name of your company. You need to provide a minimum of 5 options to the Registrar in this form.(4) Once you receive the name approval from the Registrar of Companies, you need to file the following documents with that office: (a) Memorandum of Association(b) Article of Association(c) Form 32 (Details of Directors)(d) Form 18 (Registered Office details)(e) Form 1 (Compliance with the Act) FEESThe official fees for which you will receive receipts (for a Company with an Authorised Capital of Rs 1 lakh) will be approximately Rs 11,000. Rest of it will be the fee of the working professional. On an average you're likely to spend Rs 5000 to Rs 10000 in addition to the official fee, so that the total price comes out to somewhere between Rs 16000 and Rs 21000.TIME FRAMEIf everything goes smoothly, you can register your Company within 20 to 30 days. However, if an objection is raised on an issue, it may take longer, as well. Good luck!Nitin
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What is the procedure to register my company?
Forming a company with too many forms has become a ‘Baba Aadam Zamana’’s thing. Moving towards ease of doing business, Ministry of Corporate Affairs (MCA) has spiced up the way a company is formed, by introducing and constantly upgrading the SPICE forms (Simplified Proforma for Incorporating Company Electronically). Additional ‘masaala’ added in these forms now is that you will get PAN and TAN along with the Certificate of Incorporation.There are 3 forms to be filed for company incorporation: INC-32, INC-33 and INC-34.Out of these, two of the are your e-Memorandum of Association (e-MOA in I...
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How can I deactivate my Zerodha demat account?
Firstly, you need to make sure you do not have any debit (negative balance) in your trading account. You will have to clear your dues before you close your account.Also, you need to make sure there are no securities in your DEMAT account.Note: Closing your account is different from De-activation. Your Trading and DEMAT accounts will be closed permanently. You will have to re-do the account opening process if you want to resume trading with Zerodha.To close your account, download and print the account closure form, select 'Close' account, fill it out and send it to our head office.Alternatively, you can digitally sign (e-sign) the filled account closure form and submit it by raising a ticket below. The account closure form will be processed within 5-7 working days. The process of digitally e-signing is as below -Fill up the closure form - using MS Word or any other text editorSign up/ Log in to Digio - https://www.digio.inClick on Add document and upload the closure form.Click on sign icon.Enter your VID and once you do you will receive an OTP.Once you enter OTP digital signature will be affixed to account modification form, Once the signature is affixed you need download it and submit it by raising a ticket below.It is important to note that, In case of account 'closure cum transfer' you will have to send us a hard copy of the account closure form. Along with it, you'll have to send us the CMR (Client Master Report) of the target DEMAT account. The CMR has to be a hard copy with seal & stamp for NSDL account (or a digitally signed CMR for CDSL clients)Note: The Clients account shall be closed upon a specific request from the client. The closure shall be effective only after a period of one month has elapsed from the date of application/intimation or the date of settlement of account whichever is later.Settlement of account shall mean that there is no outstanding balance of shares or funds in the books of the client and Zerodha and the same is confirmed by the client. The date of confirmation shall be the effective date of settlement. As far as dormant accounts are concerned, we do not close such accounts but mark the same as “Inactive” till further action by the concerned client.Source: How do I close my Zerodha account?
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What actually happens in a UPSC interview?
I have had the opportunity of giving 'THE UPSC INTERVIEW' twice, one in 2016 and other in 2017. Both the time I had the same board headed by former Air Marshal Ajit Bhonsale.I was awarded pretty good scores both the times, 184 (in 2016) and 187 (in 2017) :)Before I answer what happens in UPSC interview, let me break some myths.MYTHSInterview questions are not like the whatsapp forwards you recieve. Example : How to throw egg from a building without breaking it?Interview is not a system of rejection or acceptance. It is just a part of whole process , your written marks are added in your interview score to determine your rank. So you may have high written score but low interview marks can mar your chances of rank and vice versa.Interview is not a test of your knowledge. Knowledge has already been tested in written examination. Interview is test of your personality and confidence. Obviously questions are asked to test your confidence but if you don't know the answer you can say “I don't know sir/ma'am” confidently instead of bluffing. You have to be truely honest.Some interview boards are dreaded due to myth that they give low marks but I think every board has its range of marks( Bhonsale Sir board is dreaded but he awarded me good marks both the times). It is just that every board chairman has probably different parameters and ways of testing you. For example : Ajit Bhonsale sir will make you really comfortable but sometimes when you become very comfortable you let yourself loose and commit blunders. On other hand B.S. Bassi sir is very strict ( I have heard) , puts in you in spot for the first few minutes. His strategy is maybe to check you during tough times.UPSC interview is not like a roadies audition. All the members of the board are highly cordial.BEFORE UPSC INTERVIEWNight before the interview is really tough. There are butterflies in your stomach. There is soo much going on in your head that sleeping becomes a task.On the day of interview it becomes quite a task for us girls because we have to tie a saree. My mom was with me so she helped me with that but handling the saree gracefully is your task. I want to tell you that I wore the same green colour saree for both my interviews because after my first interview I thought it was lucky for me :)2016 interview2017 interview ( 5 kg lighter!!)Once you signNow UPSC office on Shahjahan road , you are made to stand in a line outside the gate for verification by showing summon letters. For me this moment for the first time was in 2016 and it was really mesmerizing. I was like Aamir Khan ’s character in “3idiots” movie where he couldnt stop smiling because it felt like a dream.After all verification candidates are made to sit in a room for document verification. There are 6 tables with 6 candidates each. All the 6 candidates on one table go to same interview board. After document checking candidates are moved to a central hall. Here we are finally told which board we are assigned.Candidates are called one by one for the interview and headed towards respective members 's rooms. A candidate is called 5 minutes before the previous candidates 's interview is over. So you are made to sit outside the interview room. This is the most unnerving moment. My strategy used to be: to sit and gaze around so that I don't think about the impending interview and calming myself in the process. And finally after few minutes the peon asks you to GO INSIDE!!DURING THE INTERVIEWHere I will narrate my 2017 CSE interview held on 24 th April 2018:I entered the room I wished everyone good afternoon ( it was around 1:30 pm ). I was asked to take seat. The interview board had chairman (Air Marshal Ajit Bhonsale Sir in my case) and 4 other members seated around a table. There was a member seating very close to me and watching my every action, most probably he was psychoanalysist or something like that.So finally the interview started :CHAIRMANChairman : Shilpa sit down. Feel comfortable. Take a deep breath. I see a young and smart lady in front of me who has a very good academic background. Are you nervous?Me: No sir ( I smiled)CHAIRMAN : Ok then we will start with the interview.Which areas you are expecting that we would ask from DAF ( detailed application form , it is like a CV which contains information about you, your qualification, your hobbies etc).Me: Sir about my graduation i.e. BDS , my birthplace Chandigarh and hobbiesChairman : What do you derive from making greeting cards? ( Apart from reading , teaching/ mentoring , I mentioned “making handmade greeting cards” as my hobby in DAF)Me: Sir, it is a form of creative expression for me which gives me immense pleasure.Chairman : Ok shilpa.MEMBER 1M1 : What are your views on death sentence for rape accused in case victim is below 12 years? Accused are generally known to victim in cases of child abuse cases.Me : Sir ,you are right. NCRB records state that in child sexual abuse cases 94% of accused are known to victim. This may lead to non reporting or victim turning hostile due to pressure from family.Secondly, death penalty is not a deterrent. It has been proven from many reports.Thirdly , now rape and murder have same punishment so now the rapist will not leave his victim alive .(M1 : good point Dr. Shilpa)M1 : Have you heard about euthanasia? What is the recent SC judgement.Me: Euthanasia in common terms means mercy killing. It is of two types : active and passive euthanasia. Recently SC has allowed passive euthanasia in case patient is in permanent vegetative state.M1: Who decides it is time for euthanasia?Me: Sir , It consists of three layered mechanism . A mechanism for living will has been given which is accessed by the doctor. If he feels that there is need for go ahead the permission is send to a special medical board which consists of four specialists. After approval it is forwarded to district collector.M1: What is living will?Me: It is a directive by a patient that in due course of his treatment if stops responding to treatment or is in permanent vegetative state he be considered for passive euthanasia.MEMBER 2M2 : Comment on our relations with our neighbours with respect to Bangladesh , Nepal.Me: Sir , Neighbourhood first policy has been major component of our foreign policy.Good relations with Bangladesh for example recently land boundary agreement was signed very amicably. There is just one irritant in form of teesta water treaty.Nepal we have historical and cultural ties. 'BETI AND ROTI' ka rishta. A buffer state. But due to unprecedented foray of China into south asia and Nepal playing China card due to its domestic compulsions , relations have taken toll right now.( I wanted to summarize but M2 said ok shilpa fine)M2 : Chinese president XI Xingping and PM modi will be meeting recently. Where?ME: Sir there will be an informal meeting in City of Wuhan , China. Here wide array of issues will be discussed.M2 : China is saying it will be sharing data on satluj river. What is that?ME: Sir basically hydrological data. Water levels and dams to be constructed.M2: Sociolgists are better administrators. Why? (Sociology is my optional subject)ME: Sir, it is basically study of social groups , social institutions and their dynamics. And as civil servant you are basically dealing with these institutions and groups. For eg : as a sociologist one knows laws decide where society SHOULD GO but Societal norms decide where society actually GOES. It serves a great value as a civil servant.MEMBER 3M3 : Dr. Bhatti you were talking about China right now. How are we same ?How does it poses a danger how India is responding? Can we learn something from China?( it was a long question so I broke it into parts)Me: China and India are same with respect to thriving economies. China is second largest economy in terms of nominal GDP and India is 7th.Both are populous nations with huge human capital potential.Dangers : China 's unprecedented foray into South Asia. Increasing footprint in Indian ocean.Learn from China: China has emerged as workshop of world. Its manufacturing sectors contributes around 34% to its GDP where India its just 17% ( Member said good Dr.Bhatti)MEMBER 4M4 : Social media is turning a place for spreading wrong news and all ( long lecture) . How to address this?Me: Sir in the post truth era social media is turning into menance where fake news are being spread. (M4 interuppts)M4 : You used word post truth. Very interesting word. What is that?Me: Sir it is an era where facts are considered less and beliefs and emotions shape the public opinion.M4 : Very good Shilpa. Continue with your answer. How to address?Me: Sir we can address first at legal level. For eg : EU has .......( M4 interuppts.)M4: Shilpa talk at a more local level. Like you are Chandigarh DC.Me: Sir first we can use social media itself. These days every administration has official twitter , FB accounts. From this we can give correct info n allay fears.Secondly in Chandigarh during Ram Rahim case SMS were sent as precaution. We can use this platformThirdly , involving civil society to create awareness to not accept any news at face value before confirming it from standard source.M4 : Did you choose Medical field by choice ? You are no longer pursuing it?Me: Sir , Civil services was always on my mind but idea wasn't very concrete at that time. I choose medical field because of my love for science and I have always performed good in academics.Also while working as a dentist I realized that civil services gives much larger platform to bring a change plus job diversity it offers is unparallelled.CHAIRMANCHAIRMAN : Tell me where woman bureaucrats or officers in general can be of great help?Me : Sir , in police administration for example if the cutting edge officers or bureaucrats in general are woman we can make our police services more gender sensitive.Chairman : yes ok. Continue.Me: Sir I cant think of other areas right now.(Chairman smiled and said ok)CHAIRMAN : Ok Shilpa tell me one last question before we go for lunch. You have heard about tussle between delhi chief secretary and chief minister?Me: yes sir.CHAIRMAN : So now bureaucrats blame its ministers who hamper work and politician blame bureaucrats. What to do?Me: Sir the permanent executive and the elected executive has work in tandem.CHAIRMAN : Yes tell me solution?Me: Following SOP and due process of law.Secondly, Sir transperant administration. Egovernance to cut down bureaucratic red tapism and also ensuring the executive is pro active in various people centric schemes or policies.Thirdly , we can have informal meetings in form of ‘chintin shivirs' or organising sports events for breaking the ice and acting as confidence building measures.CHAIRMAN : Ok Shilpa your interview is over. So now you will go back to Chandigarh or stay back.Me: Sir I will stay back for medical and leave on 26th.Chairman : Ok. Thank you Shilpa.Me: Thank you Sir. ( I thanked other member too)Interview lasted around 25 minutes. Members were extremely cordial and I had a feeling that it went well.And I got a good score of 187 :) I was able to secure 712 rank UPSC CSE 2017 and currently Iam preparing for rank improvement :)I hope this answer conveyed what happens in UPSC interview :)
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What is the procedure of starting a one person company in India?
OPC Registration ProcessTo simplify the decision of selecting the correct form of business venture, let’s understand the OPC registration requirements. Have a look on the below points of OPC registration:Step 1: Get the basic OPC documents and requirementsStep 2: Obtain DSC (Digital Signature Certificate)To incorporate an OPC every director is required to obtain DSC (Digital Signature Certificate) from the authorised DSC issuing authority. The need of DSC is to file the documents electronically with the MCA as this is the only authentic and secured way to submit the documents through e-filing. DSC will be used throughout the registration process to digitally sign the relevant forms.Step 3: Acquire DIN (Director Identification Number)Along with the digital signature certificate, the key shareholder of the company should also obtain the DIN (Director Identification Number). DIN is a unique identification number which is issued by the government (Ministry of Corporate Affairs). For a person intending to become the director of the company should apply for DIN in Form DIR-3 with the following documents:Identity proof- PAN CardAddress proof- Aadhaar Card/Driving License/Voter ID Card/Passport/Telephone Bill/Electricity Bill/Ration Card/Bank StatementPassport size photographForm DIR-4 verification of applicant for application for DINStep 4: Application for the Name ApprovalAn application needs to be filed in Form INC-1with the MCA (Ministry of Corporate Affairs) along with the prescribed fee for reserving the name of the company as per the provisions of the Companies Act, 2013 and Companies Incorporation Rules, 2014. Following information has to provide in the form:The applicant can provide maximum 6 names in an application in preferential order, advisable to check the availability before making the application.Meaning and significance of the proposed names of the companiesThe names provided in order of preference should be ended with the word ‘One Person Company’.Once the name is approved by the ROC (Registrar of Companies), it will reserve for the 60 days from the date of the application made in INC-1.Step 5: Nominee consent formAppointing a member as a nominee is a unique requirement in the process of incorporating the OPC. Every One Person Company required to mention the name of a person as a nominee in memorandum who shall become a member of the company in case of death or inability of a member. As per the provisions of Companies Act, 2013 and Companies Incorporation Rules, 2014, prior consent must be obtained from the concerned member in the prescribed form INC-3.Step 6: Draft MOA *(Memorandum of Association) & AOA** (Articles of Association)The next step is to draft the rules & regulations and objects of the company after getting the name approval from the ROC. MOA and AOA are the fundamental requirement of a registered company and is mandatory for moving further in the process. Get the memorandum of association and articles of association drafted and printed.*MOA- Memorandum of Association is a legal document which contains the fundamental conditions, main objects and other objects of the company.**AOA-Articles of Association is a document which contains the rules and regulations of the company as well as the duties and responsibilities of the members.Step 7: Filing of incorporation documents with ROCAfter getting name approval and drafting the MOA and AOA of the company, following forms shall be filed with the ROC for incorporation of the OPC within 60 days from the date of filing form INC-1:SPICe INC-32: Application for incorporation of company Pursuant to section 4, 7, 12, 152, 153 of the Companies Act, 2013 read with Companies Incorporation Rules, application for incorporation of company filed with the ROC in SPICe form INC-32 with affidavit and declaration by the director.SPICe INC-33: e-Memorandum of Association (SPICe MOA) SPICe MOA is the recent initiative taken by the MCA which makes the drafting of MOA simpler. The whole framing format of MOA is given in the form INC-33. You just need to fill the details and objects of the company and subscriber details.SPICe INC-34: e-Articles of Association (SPICe AOA) Electronic Articles of Association or form SPICe INC-34 is recently introduced by the MCA to simplify the framing of AOA. It can be prepared in English as well Hindi language. The whole format is given in the form which describes the rules and regulations for the management of company.INC-22: Notice of situation of registered officeCompany shall furnish the details of its register office to the ROC within 30 days from the incorporation in form INC-22 along with the prescribed fees. If is there any changes in the situation of the registered office then intimate ROC about such changes within 15 days of the change.The ROC will take up the application for scrutiny and subsequently, the ROC approves such application and issues Certificate of Incorporation. During scrutiny, the ROC may ask for additional documents or clarification and the director is bound to submit the documents as such needed.Upon receipt of Certificate of Incorporation, the company can start its operations officially.
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How do someone can avoid the consequences occur during tax preparation?
Following are the ten tax filling mistakes one should avoid while filing his return of Income.1. Math miscalculationsThe most common error on tax returns, year after year, is bad math. Mistakes in arithmetic or in transferring figures from one schedule to another will get you an immediate correction notice. Math mistakes also can reduce your tax refund or result in you owing more than you thought.Using a tax software program to file your return can help reduce math errors. The built-in calculators do the work for you, adding, subtracting and inserting numbers on additional forms as needed. But you still have to make sure your initial numbers are correct. Entering $3,500 when the real figure is $5,300 makes a lot of tax difference. Getting the numbers right is crucial because you can be sure the IRS will be double-checking numerical entries against its copies of your tax statements (W-2, 1099s and the like).When IRS examiners find a discrepancy, they'll definitely let you know and, in many cases, will correct your mistake and refigure your taxes for you. Don't give them the chance. Make sure your math entries are right.2. Computation errorsThese are cousins to the standard math mistakes. In these computation cases, taxpayers or their tax pros make mistakes in figuring such tax-return entries as taxable income, withholding and estimated tax payments.Credits and special deductions also pose problems. Errors regularly show up, says the IRS, in figuring the earned income credit, the taxable amount of Social Security benefits or in calculating the larger standard deduction for taxpayers who are age 65 or older or blind. A common connection in all of these errors is added work sheets or forms before the amounts are transferred to the taxpayer's Form 1040.3. Misspelled or different namesThe IRS is all about numbers, but words -- specifically names -- are important, too. When the names of a taxpayer, his or her spouse or their children don't match the tax identification number that the Social Security Administration has on record, that difference will cause the IRS to kick out or slow down processing of the tax return.This often is a problem for new wives. Many women change their surnames when they marry. That's also an option for spouses in same-sex marriages, which the IRS now recognizes. If you didn't alert the Social Security Administration of your name change soon after your wedding, do so now so that your new name won't cause a problem when you file your first joint tax return.And if marital bliss doesn't last and you change your name after a divorce, make sure Uncle Sam's appropriate agencies know that, too.4. Direct deposit dangersTaxpayers can have a refund directly deposited into multiple bank accounts. This option is a great way to save your refund money, but the more numbers you enter on a tax form, the more chances you have to enter them incorrectly. And a wrong account or routing number could cause you to lose your refund entirely.You can divide your refund into 3 accounts by filing Form 8888 along with your individual return. It's not a difficult document to complete, but if you put in wrong account numbers, your refund could end up in someone else's account or be sent back to the IRS. Either way, you might not be able to retrieve your refund because there is no IRS procedure for replacing lost electronically transferred funds.Incorrect account numbers aren't just a problem when a refund is split multiple ways. Even if your refund is going to just 1 account, make very sure you enter your account and bank routing numbers correctly.5. Additional income, additional filing workDid you have a side job this year? If so, as a contractor you probably received a Form 1099-MISC detailing the extra earnings.What about savings and investment accounts? For these, you should have received Form 1099-INT and Form 1099 DIV statements.In each 1099 instance, the IRS knows precisely how much extra money, either as wages or unearned investment income, you made as soon as you did, thanks to the copies of your 1099 forms that went to the tax agency.If you forget to include any of these earnings on your return, the IRS examiners will let you know you owe taxes on them, too. And depending on when your oversight is discovered, you also could owe penalties and interest on the unreported earnings.6. Filing status errorsMake sure you choose the correct filing status for your situation. You have 5 options, and each could make a difference in your ultimate tax bill.If this is the first tax-filing season since your divorce and you now are a single parent, writing "head of household" probably will be more beneficial. And what if you're still married, but you and your spouse are thinking about filing separate tax returns? That works in some cases, but not all.Make sure you know what each tax-filing status entails, and choose the one that best fits your personal tax situation7. Social Security number oversightsBecause the IRS stopped putting taxpayer Social Security numbers on tax package labels in response to privacy concerns, some taxpayers forget to write in their identification numbers. Your tax ID number is crucial because there are so many transactions -- income statements, savings account interest, retirement plan contributions -- keyed to this number.The 9-digit sequence also is vital to claim several tax credits, such as the child tax and additional child tax credits, as well as ones for educational expenses and dependent care costs.8. Complete charitable contributionsDo you give to charitable groups? All types of donations, from cash to cars, could be valuable tax deductions, so make sure you count them all when you file. Be sure to follow the donation tax rules, the most important being that you give to a qualified organization -- that is, one that has tax-exempt status with the IRS. Also be careful when calculating any gifts of clothing and household items. Tax law now requires that these donations be in good or better condition or the deduction is disallowed. And remember that the amount you can claim for donated goods is the fair market value of the items; that's what a willing buyer would pay for it in its current condition, not what you paid for it.9. Signature requiredSign and date your return. The IRS won't process it if it's missing a John Hancock, and that means on e-filed returns, too. Taxpayers filing electronically must sign the return electronically using a personal identification number, or PIN. To verify your identity, you'll have to provide the PIN you used last year or your adjusted gross income from your previous year's tax return.Your tax software should walk you through the e-signature process, but if you're still mailing your return, don't be in such a hurry that you stuff your 1040 in the envelope without signing it. And if it's a joint filing, both you and your spouse must sign.10. Missing the deadlineMillions of taxpayers put off filing until the very last minute. That's OK as long as your mailed paper return is postmarked by the April filing deadline or you hit "enter" to e-file your 1040 by midnight of the deadline day.The good news for 2016 is that the April 15 due date is pushed to April 18 because of a federal holiday and the weekend. If you still can't get your forms finished by then, file Form 4868 by the deadline. This will give you a 6-month extension (which is Oct. 17, 2016 since the usual Oct. 15 deadline is on a Saturday) to submit your tax forms.Also be sure to send any tax you owe with your extension request. If you don't, you could face late-filing or non-filing penalties. Nobody wants to pay Uncle Sam a penny more than necessary, so don't make the mistake of missing the filing deadline.
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Is the cryptocurrency Bitcoin a good idea?
Yes.Here’s the problem: most people who know a lot about Bitcoin can only speak “tech”.I was at a conference recently. I was the keynote speaker but had zero talk prepared (as usual). It was a crowdfunding conference so I “crowdsourced” my talk.I asked the audience: I can talk about entrepreneurship or I can take fifteen minutes to explain Bitcoin without using any technical jargon. Clap for which one you want.Almost 100% of the people wanted to learn about Bitcoin without the technical jargon.People are hungry for this. They don’t want to hear about “crypto” or “blockchain”. They just want to know what all this Bitcoin stuff is about.Back in 2013, I thought Bitcoin was a scam. I was wrong.First, some credentials.In early 2013 I had my doubts. I started reading everything I could. Then I got my hands dirty.I’ve been a coder / programmer since 1985. I decided to code up a Bitcoin only store (maybe the first ever) and sell my book, “Choose Yourself” on it before it was released on Amazon.It was very hard. I had to develop the store from scratch since there were no easy tools to help me. There still isn’t (hint: business opportunity).Once I launched it, quite a few people bought my book. I sold a PDF of my book for 0.1 Bitcoin. Bitcoin was then $60 so I sold it for about $6 per PDF. Right now, it’s as if I sold each PDF for $1600. I sold many copies.I went on CNBC when they heard I was doing this. The anchor asked me, “Did you just do this for publicity?”I said, “Well, I’m on national TV so I guess it worked.”Another thing worth noting: Most of my customers came from one domain name (they had to submit their email addresses for me to process the sale): Amazon.com. Make of that what you will.A few months ago I started writing about cryptocurrencies again. I saw so many people getting involved in scams, I wanted to help.The other day I had an Uber driver who thanked me during the car ride for helping him “get it”.And last night at a restaurant, the waiter at the end of the meal shook my hand and thanked me for helping him “finally” begin to understand what Bitcoin was about.In order for crypto currencies to succeed, people need to understand at a basic level what they are. Nobody needs to learn complicated cryptography or blockchain.Just understand why now. Why this is important for us a society.TWO CRITICAL REASONS BITCOIN IS HISTORICALLY IMPORTANT AND HERE TO STAYJust understand these two reasons. Then you will know the potential for Bitcoin. And you will be popular at cocktail parties.A) THE HISTORY OF MONEYEvery new style of money solves the major problems of the last style of money.BarterIf I have a bag of rice and I need shoes, what if you make shoes but you only need 1/2 bag of rice. Do I get 1/2 a pair of shoes?Barter has a lot of problems. In the above, coming up with the rice to shoes exchange rate is difficult.Then coming up with 1000s of exchange rates just to go out and buy groceries is almost impossible.PLUS, what if you have to move (your kingdom is attacked). How are you going to carry all that rice? All of those shoes?Money has two purposes:as a store of wealth / savingsto make transactionsThere’s a third, which Ray Dalio, the head of the largest hedge fund in the world, Brigewater, told me the other day. But we’ll get to that later.Barter is horrible as a store of wealth. And for transactions, best case it’s very difficult.But problems lead to opportunities. Which leads to…2. PRECIOUS METALS / COINSGold and silver are scarce. It’s hard to mine them.But it’s hard to forge them because you can measure by weight.So the scarcity combined with the lack of forgery makes them good choices for money. I can convert my rice into gold coins, you can convert your shoes into gold coins, and now we can trade and now we can buy whatever we want.(Marcus Aurelius on a gold coin)As a store of wealth, it’s not great but not horrible.If my kingdom is attacked and I have to move, gold and silver are easily stored and carried as designed jewelry.BUT, two problems.One: what if you live in a country that doesn’t have any gold mines. Now you either have to trade for gold or start attacking countries: (this did not work out so well for the Aztecs).Two: What if you wanted to buy a house right now: are you really going to bring a truck of gold bars to the closing? Or if you have to move to another country and you have a lifetime worth of savings: are you going to ship all of your gold bars to your new home?People say that gold is “real” as opposed to (later) paper money and cryptocurrencies.This is not really true. Gold is a rock. But it does have industrial uses (silver is better for this because of price but still…). Gold and silver are great electric conductors, can be used as SILVERware. Can be used as antibiotics (hence great for fillings on teeth).So we can say that gold money is “backed” by something that has real use with value associated with it.But we still have to solve the problems above.3) PAPER MONEY BACKED BY GOLD AND…PAPER MONEYCountries made paper money that was like a contract with the government that all of that money can be converted into gold.This was great for transactions (easy to carry paper money).This was great for store of wealth (put the money in a bank and you can go anywhere). The first banks for paper money backed by gold helped fund every war in Europe in the 1800s. Good job!When paper money is backed by gold it also puts a clamp on inflation. You only have as much paper money in a country as there is gold in that country.(yes, there is a 100,000 dollar bill in the US. Woodrow Wilson is on it).So you can trust the government to not go crazy printing money that is not backed by gold (like German in the 1920s when trillions of Marks were printed and Germany went into an inflationary death spiral that was at least one cause for World War II).BUT, why benefit the countries where gold is easy to mine and punish the countries where gold is hard to mine.Also, the world is expanding in every way: more people, more technology, more innovation, more THINGS.I’m not sure this is a good thing or a bad thing (see: Germany above) but sometimes countries need to balance debt with money printing to manage their fiscal policy.The US went off of gold in the early 70s in order to fund the financial needs of both the Vietnam War and the social improvement programs of Lyndon Johnson.This created inflation.Paper money will often lead to this situation. Someone will say: why do we need the gold part?Again, might be good or bad. There’s a lot of debate. Did money printing save the US in 2008 and 2009? Maybe. Or will their be future problems caused by this? Maybe.Nevertheless, there are other problems with paper money that need to be solved:a. No privacy.If I’m making a sizable (greater than $1000) transaction I’m usually not using cash but either a credit card or a money wire.So that means your bank knows. Other banks know (the bank you are sending money to, the Federal Reserve, the local Reserve bank, etc).Government agencies know (the IRS, the NSA, etc etc).Potentially sites like Google and Amazon know depending on what payment services you use and what you are buying.So you have no privacy on your transactions with paper money.b. Fees.If I send a friend in Korea money, I go through my bank (fee), local reserve bank (fee), Federal Reserve (fee), International wiring system (fee), their central bank (fee), their local reserve bank (fee), their local bank (fee).That’s a lot of fees. Those fees help create inflation because every transaction needs to have a profit on top of those fees.c. Forgery. Something like $200 billion in forged money is circulating right now.d. Human error. This is a CRITICAL problem. There are so many opportunities for human error. When you transfer money, they can send to the wrong account. Or a bank’s software can be hacked and you lose all of your money.Or, most importantly, the Federal Reserve in the US can decide to print another trillion (Like 2009) and, without your permission, the value of your dollar has gone down.In the US we’ve been lucky. But all of South America hasn’t been so lucky (all of their currencies crashed in the 80s. Most of Asia wasn’t so lucky in the 90s (their currencies wiped them out). Russia in 1997 was wiped out.Many countries have relied on humans to print (or not print) money and the slightest human error can wipe out an entire country’s economy.The United States has been lucky. For now. But this is a HUGE error we risk every day.These are the basic problems. There are more (theft, for instance).e. What is backing paper money?Only our trust. I don’t want to be a conspiracy theorist. But the reality is: a dollar is a piece of paper. Just like gold is just a rock.How do they make us trust that the money has value?They put “In God We Trust” on it. They put George Washington. They put the signature of the Secretary of Treasury (pretending it’s a contract.).And, for the weirdos, they even put a pyramid with an eye on it.And that’s supposed to be why we trust it. I don’t trust it.4) BITCOIN (and, btw, Bitcoin is not the end. There will be a “5”).Bitcoin solves the problems above.a. Human error: there is no printing of money. There is a fixed supply of 21,000,000 coins.How do I know this? I’m a skeptic. So I read the software behind Bitcoin. I read it over and over until I could figure it out. In one part of the code they clearly define how many coins can be “mined” / printed (printed is the wrong word but I’m using it here to make the connection with paper money). And there’s another part of the code which “enforces” the first part.(part of the code that limits the total # of bitcoins to 21,000,000. I found this by reading ALL of the code for bitcoin).b. Theft. Like with every other form of currency, an exchange (like a bank) that stores your Bitcoin can be hacked and money stolen.BUT, I only keep a small amount of money in an exchange. You can get a storage drive, store your money, and put it in a safety deposit box. So even if the exchange is attacked, you still have your money.ALL theft can be prevented this way with Bitcoin. You can’t do this with paper dollars because if you have too many dollars, how will you store it? Ditto for gold.c. Forgery. The software guarantees that Bitcoins can’t be forged.d. Privacy. I can send you a Bitcoin and nobody knows who is sending it, who is receiving it, and no government institutions are aware of it.e. Fees.Some bitcoin transactions have small fees. But it’s nothing like the fees of going through six banks in the transaction described above.What’s backing it?There’s about 1000 man-years of science backing Bitcoin.The underlying technology of Bitcoin which involves heavy amounts of cryptography, financial know-how, and basics of contract law, plus the “blockchain” have 100s of use-cases that we have only just begun to play with.EVEN IF Bitcoin is never used as a coin (although note: it’s being used every day as money) there are 100s or 1000s of other uses for Bitcoin that have nothing to do with the basic money use.I won’t get into the weeds here: but suffice to say that ALL of contract law can be (and will be) eventually replaced by Bitcoin.And ALL of logistics will be replaced by Bitcoin (e.g. UPS is replacing all of their internal logistics (tracking millions of packages every day going from millions of locations to millions of other locations) by Bitcoin technology.There’s nothing behind paper money or gold like this.Now…Bitcoin has problems also.Hence the need for other cryptocurrencies. But that’s ok and not the topic for here. Suffice to say, Bitcoin solves all the basic problems of paper money, which solves the problems of gold, which solves the problems of barter.HOWEVER, there is another reason why Bitcoin is here to stay and it’s so compelling.——EVOLUTION OF EVERY INDUSTRYEverything in life evolves. Not only species but ideas.Let’s look at some industries.MEDICINETheism: 500 years ago if you got sick, you’d either pray to a god to get better, go to a shaman, make a sacrifice, or assume you committed a sin that made you sick and would try to undo the sin.Humanism: Post-rennaissance, we had human “experts” called doctors who would either leech us to death, perform horrible surgeries that would kill us, or would pat us on the back, hammer our knee and say, “take two aspirin”.Doctors aren't bad. They’ve saved many many lives. But Humanism has it’s limits. A known fact is that, on average, the moment when a doctor is most effective is his or her first year out of medical school. After that, statistically downhill.Data-ism:Now when if you go to a doctor, you get tests. You get blood work, you get an MRI, an EEG, an X-Ray, the X-Ray might go into a database and an AI algorithm matches it against other X-rays (does it match a tumor X-ray or a non-tumor X-ray?). We even get genetic testing to see if our illness is in our chromosomes.Then, armed with data, often a computer will tell us the correct solution (and even a computer can do the robotic surgery needed), or a human will help interpret the data (but there’s room for human error here).(source: National Genome Research Institute)So Medicine has evolved fromTheism → Humanism → DataismLet’s pick another industry:WARTheism: 3000 years ago if two countries went to war, the kings would perform massive sacrifices to their gods the day before.In the Bible, whosever God was stronger (Baal versus Yahweh being a notable Hebrew battle), that group would win the war.Fragments of this exist right now: May the Force Be With You, said to Luke before he flies out to fight the Death Star.Humanism: For the past 500 years, whoever had the most humans on the ground, the most bullets, then the most planes, then the most bombs. ,would win the war.Data-ism:War is being fought every day now. EVERY SINGLE DAY. Every day, some country tries to bring down the electric grid of Poland.Every day, every Fortune 500 company is attacked by “bot armies” coming from…nobody knows.I’ve been involved in the cyber security space for 25 years or more.I once was talking to a company who helps Fortune 500 companies fight “bot armies”. All of the employees were top Phds who were the experts in their fields.One guy told me, “No matter how smart we are, they are smarter.”Who are “they?” The people making the bot armies. Where do they come from? We don’t know. They come from everywhere. They are just smarter than us.Elections are rigged. Companies are attacked. Information is stolen.We have been in World War III for at least 20 years and it will never end. Dataism has taken over war.Ok…MONEYTheism: “In God We Trust”Humanism: “George Washington”. A picture of Independence Hall. Or the White House. Anything. Anything at all so that we trust humans with what we are given in exchange for the hard labor we do every single day.Do we trust humans? I tend to trust humans. But that is maybe not so smart all of the time. Humans make a lot of mistakes and that’s been the downfall of so many companies, so many families, and so many…everything.Data-ism. Bitcoin and now other cryptocurrencies.1000s of man-years of science. 100,000s of lines of code that has been checked by 10,000s of the best programmers.Data-ism prevents forgery, keeps privacy, re-creates all contract law, avoids fees, avoids theft. And this is just a small sample of what data does for money.“In Data We Trust” for better or worse. But it works.The natural evolution of money has arrived. And it’s not only Bitcoin but other cryptocurrencies.FAQ:Why do we need other Cryptocurrencies?Why do we need more than one currency at all? Why is there a US dollar and a Canadian dollar.FOR NO REASON. Just an artificial border created in 1770 and we have two different currencies.Cryptocurrencies have what I call are “problem borders”.One coin is better than Bitcoin for making contracts (Ethereum).Another coin is better for privacy ((Zcash. A problem with Bitcoin is that although there are no names on a transaction, I can see the size and the time. So privacy is still a slight problem).Another coin might be better for solving a problem of decentralized storage (as opposed to storing all of your photos on one centralizes spot that can be hacked like Google Drive). Bitcoin doesn’t address this problem.Problem Borders create new currencies.Is it too late to invest in Bitcoin and other cryptocurrencies?Right now, this reminds me of the Internet in 1995–6. There’s a bit of irrational exuberance in new coins. Prices are going crazy.There will be a massive pullback. BUT, the legitimate coins are here to stay and will keep going.Amazon, of course, pulled back, when the Internet pulled back. Now it will eventually be a trillion dollar company. Many companies that started in the 90s have survived and thrived and were great long-term investments that have paid off.Cryptocurrencies are the “internet of money”. The internet is here to stay and so is the internet of money.We are only in inning one of the cryptocurrency shift in our money.Will cryptocurrencies replace paper money?Yes. Eventually. It might not be Bitcoin although Bitcoin will always exist.But each country, to solve the problems of paper money, will eventually switch. Countries that are debating it include: Israel, Estonia, Venezuela, Argentina.Countries that will use some aspects of cryptocurrency technology in their central bank will soon include China, Korea, Russia, and yes, the United States.And many countries will reject cryptocurrencies but their population will shift en masse to cryptocurrencies in order to avoid corruption, human error, theft, etc. First on my list for this is Argentina.What will the value of cryptocurrencies be?When I first wrote about this, all cryptocurrencies added up was about $200 BILLION. Now it’s around $750 Billion. Although I do view many of the currencies as scams so the number is really less.That’s the “SUPPLY” of cryptocurrencies.The DEMAND is the amount of paper money + gold that exists.That number is $200 TRILLION.So in order to go from ONE TRILLION to 200 TRILLION that’s a 200x gain. In other words, $10,000 turns into $2,000,000.And if you focus on the legitimate currencies, the gains are much greater.So, again, we are very much in the beginning of this. There is no other investment opportunity in our lifetime greater than this. And we ARE at the beginning.What are the legitimate cryptocurrencies?There are many. I don’t want to get into the weeds here and discuss all the technology.And I also don’t like all the speculative trading that is going on in cryptocurrencies. Speculation leads to scams and bubbles.But just like there were Internet companies that survived the bust and became the companies we use every day, there are cryptocurrencies that exist now that we will use every day ten years from now.You said on CNBC that Bitcoin will go to a $1,000,000? Were you kidding?No.Bitcoin hit $20,000 recently. We just said it could go at least as much as 200x higher. That’s $4,000,000. So even at $1,000,000, Bitcoin will be a buy.How else can one make money in the Bitcoin sector?You don’t have to be a software developer.When the gold rush hit in the 1800s, Levis Jeans became the big winner. And the companies that sold “picks” and “shovels”.There will be many picks and shovels companies in the Bitcoin space.Sites that have the latest bitcoin news and analysis will do well. Exchanges will do well. Companies that help integrate traditional companies with the deeper parts of Bitcoin technology will do well (like whoever is helping UPS integrate blockchain tech into their logistics).Companies that help new cryptocurrencies launch will do well.And on and on.Someone said you called “Bitcoin is a Ponzi scheme” in early 2013. Why should we trust you now?First, I’m always a believer that the best investment is in yourself. This will provide greater than 200x returns.That said, I was wrong in early 2013.I’ve been a software guy for 25+ years. I’m able to do my research. Which I did.By May 2013 I had already done enough research to build my own bitcoin store, go on CNBC and discuss Bitcoin, and be an advocate when it was just $60. This is all public info.But, for me, focusing on my physical health, emotional health, creative health, and spiritual health, will always be the most valuable “Currency” I can develop and trade in.Could Bitcoin be just a fad?No.Paper money DOES have the problems described above. Someone has to solve those problems. Bitcoin and other cryptocurrencies solve them.And every industry evolves. Cryptocurrencies are the “In Data We Trust” way in which money is evolving.And $750 BILLION believes in me on this.Who is Satoshi?Satoshi is the secretive founder of Bitcoin. He is worth many many billions in Bitcoin right now. He is anonymous and reporters, governments, etc have never figured out who he is.That said, a number of people know who he is. I read his blog every day, He is a secretive person and nobody wants to blow his cover.Well, what should I do now?Don’t listen to me.a. Get an account on Coinbase (or wherever). Buy $10 worth of Bitcoin just to taste and feel it.b. Then read. Read a lot.Here’s some books not about Bitcoin that are worth reading:Sapiens by Yuval HurariThe Evolution of Everything by Matt RidleyThe Ascent of Money by Niall Ferguson.Antifragile by Naseem TalebThere’s a lot of discussion of cryptocurrencies on Reddit and Twitter. DO NOT read those. Most of those discussions are filled with trolls although there are some decent sources there.Blogs / Sites: start with Coindesk and CoinTelegraph. You'll find the rest as you read more.
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