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FAQs
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What are some things to look out for as possible issues when reviewing a property title in the Philippines aside from what is ev
The first step in ensuring a title is what it appears to be is to check for authenticity. A clean title is no good if it isn’t a genuine title in the first place. How do you make sure a title is real?Check the quality of paper used. The forms used in property titles are exclusively printed by the Banko Sentral ng Pilipinas. The judicial form uses a type of paper which contains various security features. The paper is made out of 50% cotton and 50% chemical wood pulp with colored fibers. If held up against a light, an LRA or Land Registration Association watermark should be visible through th...
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What is something interesting you learned in the past week?
I read somewhere on quora last week that if we perform a task for 21 days in a row daily, then that becomes an habit and we would do that involuntarily. I was skeptical about the theory and did some research online. I found that not many people believed in the 21 day theory and there were enough proof to suggest that more effort was required for forming a lifelong habit.I anyhow decided to try it. I decided to get up at 7 in the morning. For me, it was one of the most difficult thing as I am not a morning person and I am used to getting up late (sometimes at 9 or 10). I have since been getting up at 7 for a week and today I was surprised that I got up 5 minutes before the alarm rang.I also listed down some habits which I have been following since some years now. I found that some of them like watching random shows on TV and going through facebook feed was getting tiresome and was no longer enjoyable. These were habits which I had started somehow and it had become involuntary to the extent that as soon I came back home from office, I immediately switched on the TV or went online. These habits were no longer useful nor enjoyable. So, I have desisted myself from these habits during the week. It was difficult to fight the temptation to take the remote into hand but I have found some alternate activity to do in my leisure time. I have started reading on my favorite topics - psychology and philosophy. I have had more time to sleep and exercise after removing the time-wasting habits from my daily routine.During this process, I have found that small habits which we form over a period of time affect our lives to a large extent and a small change in our daily routine can make our lives more satisfying. Whether the 21 day habit theory is true or not, I now feel happy that during the last week, I have learnt the importance of good habits and have changed my habits for the better.
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What is a payday loan, and why are they so bad?
This is a loan intended to be short term “payday” came about as it was intended to be a loan to carry you over till you got your next paycheck.As others have noted they are very high interest rate loans. Having such a loan for a short period of time (1–2 weeks) is expensive but not unmanageable. If you take such a loan off and take a long time to pay it off, then it will cost you a fortune in interest payments.The main issue is that when you get the loans they have 1–2 year terms on them, thus the payments may seem like they are not too bad monthly, but in reality you are paying a lot of interest and little on the principle so over that time you may pay double or triple the loan you took out (assuming you don’t just pay it off right away.The secondary issue is that these loans tend to be geared towards and given to lower income people with bad credit. Someone with good credit, even with low income, likely can have a credit card that could cover some unexpected expense, which is still high interest rate but no where near as bad as a payday loan… people with bad credit however will turn to payday loans, and there is a reason they have bad credit and this is normally related to their lack of ability to manage money. Take someone who is not good at managing money, give them a high interest loan and a long time to pay it off and it is very bad for the consumer.The final issue is that people also don’t use these loans for what they should be used for. This likely falls back to the poor money management part of things. People will take one of these loans out so they can buy a video game system or a new big TV, not to cover a necessity till the next paycheck. Basically this starts a spiral of debt on the heads of people who in general cannot afford it.
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Is Kerala better than Tamil Nadu in tourism?
My friend Anbazhagan has made a good answer which I suggest to read first before reading mine on this regard, as this answer is a continuation of his answerAnbazhagan's answer to Is Kerala better than Tamil Nadu in tourism?If you read Anbazhagan’s answer, he clearly used charts and reports to showcase how TN is a leading tourist destination. And its a fact.TN is one of India’s top 5 tourist hubs, far higher than Kerala.Ofcourse, there are some flaws or misreadings in the stats of India tourism, because of certain anomalies in calculating foreign tourist arrivals (FTAs). India Tourism calculates Foreign Tourists on basis of Tourist visas and Electronic Tourist Visa (ETVs) issued. And interestingly, even entry of People of India Origin (PIO) who can enter India Visa-free are also calculated as Foreign Tourist. More interestingly, they are calculated as a new tourist each time whenever they make multiple entries into the country. So if a tourist in India, say after touring UP moves to Nepal or Bhutan and then enters back into India, it's calculated as a fresh/new tourist.The primary flaw is that it calculates Non-Tourists as tourists. As I explained as a comment to Anbazhagan’s answer, there are huge Indian diaspora around the world, who have obtained citizenship of other countries where they live. When they visit India as part of visiting their family, friends or relatives (VFR Traffic- Visiting Friends/Relatives), they are counted as tourists. Take Tamil Nadu’s case. There is a huge Tamil diaspora in Malaysia, Singapore and Far East nations, who are legal citizens of those countries. They visit annually to TN to meet their family and friends. But this is counted as tourists.This VFR traffic may not use regular hotels or avail tourism products as such, as their intention may not be sightseeing etc. They may stay with their family or friends for a few days and return back, thus contributing little to the local economy as tourists. But India considers even such traffic as tourists.If we check India tourism statistics, the biggest source country for tourists into India is from Bangladesh. This means Bangladeshis make a whopping 21.9% of total foreign tourists into India.But in reality, they are not tourists. Bangladeshis are essentially part of Bengali culture of Greater Bengal. Just because a borderline drawn between West Bengal and Bangladesh, it doesn’t make them foreigners in reality. They have families, friends, relatives back in West Bengal and regularly visits them both legally and illegally. And Kolkatta is more popular transit location for Bangladeshis than Dhaka or Chittagong. So essentially Bangladeshi citizens cross more into India legally. And it's very easy for them to cross, as they all need a valid air/rail/bus ticket to India to get an instant Walk-In Visa. Its just matter of a day or two. In other words, for Bangladeshi to enter into India, it's much similar for someone in Chennai going to Bangalore or Hyderabad to meet their friends or relatives.So essentially, you see even West Bengal ranked the 6th top destination for FTAs, thanks to the huge influx of this traffic. Same applies to Punjab.TN’s huge Tamil Diaspora in Far East countries and Western countries, make a huge number in FTAs.Secondly, prior to the introduction of Business E-Visas, most of the businessmen/corporate executives who enters India for short Business purposes like client visits, meetings etc used to take Tourist visas rather than Business visas. This is because obtaining the latter is a more complicated and cumbersome process which used to involve a visit to Indian embassies for biometrics and a longer processing time etc, while tourist visas were faster and easier. Even now, many foreign corporate executives prefer tourist visa to enter India to avoid Indian Economic agencies like DRI, Enforcement, IT etc scrutinizing their business interests. After all, once entered into India, unless caught for some legal offences, there is no way to check the purpose of visit into India by foreigners.Chennai is India’s 4th largest metro and one of the biggest business hubs in the country and thus a lot of foreign corporate executives and businessmen enters into India via Chennai using Tourist visas. This also inflates the tourism figures.However, the above similar concept doesn’t apply to Kerala, as Malayalee Diaspora are primarily concentrated in the Middle East and they ARE NOT LEGAL CITIZENS of Middle East countries. So essentially when NRKs (Non-Resident Malayalees) visit Kerala annually for this same VFR, they enter India as Indian citizens using Indian Passports, thus NOT COUNTED as FTA. So as Kerala is not a major Business destination like Chennai or Bangalore, to we don’t have Business traffic entering on tourist label.So essentially the foreign tourist's arrival shown for Kerala are more of actual leisure tourists who come into the state for tourism purposes more than VFR or corporate traffic.The concept of tourism differs in a big way between TN and Kerala.Kerala tourism since 1999 has focused on High Value-Low Volume traffic. Prior to 1999, Kerala tourism was very typical to most of the Indian tourist destinations. We had lot of low-value backpackers, mostly from Russia and old Soviet countries visiting Kerala, primarily to spend a few days in Kovalam Beach and leave. They spend very low in the state as they were mostly backpackers. Due to this reason, more than resorts, it was lodges and cheaper accommodation that came up in Kovalam to attract this traffic. And this traffic created many legal issues, particularly the rise of sex tourism and drugs. The 1989-released Malayalam movie- Season was a brilliant take on rising Drug business and sex activities in KovalamIn 1999, when Amitabh Kant (current CEO of Niti Aayog and one of the celebrated bureaucrats of the country)became Director of Kerala Tourism, he redefined the concept of tourism for Kerala.Kerala: Gateway Of IndiaIncredible India: When public sector advertising turned savvyHis primary vision was that Kerala shouldn’t move in the direction which Thailand was moving and wished Kovalam not be another Phuket. He wanted Kerala to be a high-value destination. And it's here, the entire reorientation of tourism started. This included stopping of many charters, cancellation of licences for many lodges and frequent raids across hotels/lodges to dislocate the concept of cheap tourism and create a fear factor for those involved in sex and drug tourism.It was this time, the brand Kerala- God’s Own country came into full swing and eventually it became India’s first and only tourism superbrand.The underlying principle of Kerala tourism was EXPERIENTIAL TOURISM.If you visit TN or Rajasthan (two top tourist hubs of India), its more of SIGHTSEEING tourism. There are huge forts, grand palaces, mega bazaars etc as in case of Rajasthan and magnificent temples, UNESCO heritage sites etc as in the case of Tamil Nadu.There are no such things for Kerala. There are no major forts, palaces or even Grand temples to visit as far as Kerala is concerned. Even those grand or big temples in Kerala, they are STRICTLY OFF for tourism as Malayalees don’t allow Non-Hindus and foreigners into any Kerala temple. So as there are no guides or anyone to explain the temple sightings to the outsiders. And such attempts are normally discouraged. For example, I had a recent experience when I was trying to explain the meanings of historic paintings to a North Indian friend of mine while visiting the famous Vadakkumnathan temple. Those 2000 years old paintings were restored recently using old techniques and won a UNESCO award for heritage conservation. So while explaining the meaning gigantic Nataraja painting inside the Nalambalam (Inner temple), a security guard came and showed me a board on the other side, which says - “Navvu Namajapattinnu Matram (Tongue for Holy Chants only)” which means silence. On the contrary, you can see 1000s of both authorized guides and touts to explain every bit of historic temples of Madurai or Thanjavur or similar which one can’t see in Kerala. Those Non-Malayalees who visit huge temples of Sree Padmanabhaswamy temple of Trivandrum surely misses every single grandeur sightings of that temple, due to lack of explanation. So as despite of huge treasure there, none are exhibited citing temple rules that properties of the deity are meant for his personal use, not for public exhibition. Had the same been in Egypt, you would see magnificent museums to showcase these unique treasures that grabbed international headlines.So essentially there is nothing much to see in Kerala. So as part of reorientation, the full focus changed to pure experiential tourism.Tourists who come to Kerala seek for discovering their self, their inner emotions by syncing with nature and lazing simply.Take the example of the biggest tourism product of Kerala- the Houseboat trips on Alleppey Backwaters. For the first 10–20 mins, you will be excited to see a lavish houseboat with all modern amenities, which is nothing but a hotel on water. Then for the next 30 mins, you will be excited to see the natural beauty of backwaters, the greenery etc. After that, nothing. You just gaze yourself into never-ending greenery, fields etc and then into a large lake where you see nothing on the horizon. And the houseboat is essentially cut off from everything. No internet, no television etc. So what you do? Just gazing into nature and slowly making yourself rewind your own past and a back-trip to your memories and life etc. If you are going with a group, you just chill or party with your friends, talk for hours with them directly and unwind yourself.Essentially beyond these, there is nothing special when you cruise in the backwaters. But that is the biggest highlight of the trip. It's able to make sync with yourself and your loved ones. You got time to break from a faster life and appreciate very small things like chirping of birds or appreciating a pack of ducks moving into the water or a simple thrill of catching fresh fish etc. Its all about experiences, not sightings.Essentially this concept defines the award-winning Kerala tourism Ad- Your Moment is waitingespecially this scene defines what you should expect from Kerala tourismIts nothing by exploring yourself as like seeing yourself in a mirror.Kerala tourism fully focuses on these high-end experiences as the key offering for its tourism and its what almost all ads of Kerala tourism focusTake the current season ad by Kerala tourismThe 2019 Kerala tourism is focused on its promotion- HUMAN BY NATURE, which asks tourists to explore the humans of Kerala, their sensitivities, their sensibilities, their lifestyles, their dreams, their aspirations and connect with them. It's not asking tourists to visit a so-so destination, see so-so monument etc.Last year (2018), Kerala tourism was promoting the concept- Follow the Sound of KeralaIt completely focused on minute sounds of the state, its people, its markets, the houses, the flora, the fauna, the forests, the valleys etc.A year back (2017), Kerala Tourism was focused on its new promotion- Kerala, A reading Room with a view with a tag line- Live InspiredThe focus was on experiencing the literary heritage of Kerala as what a Library offers and from its window- explore the diverse cultural musings of the state.So essentially the entire promotion of Kerala tourism is focused on EXPERIENCES and mental pleasures rather momentary pleasures of sightings and monumental wonders.I think, comparing the main signature ads of two leading tourist states can help to understand the differences of conceptKerala Tourism- Signature VideoRajasthan Tourism -Signature VideoSo as both Kerala and Rajasthan had a series of short ads aimed to attract Indian audiences in last few years.Kerala’s ad campaign was - #ComeOutandPlaySo as the same Rajasthan ads wereIn Kerala ads, the concept is to leave aside your daily chores, your work and your busy schedules, only to understand your own emotions, your attachments, your love, your family and its happiness.In Rajasthan ads (which in my opinion were brilliant) were focused on exploring the unexplored places that can you awestruck…I am sorry to compare Kerala with Rajasthan when the question is all about Kerala with TN… But just compared to understand the intricacies of Kerala tourism concept and how it differs from others.Tamil Nadu tourism, on the other hand, is a typical old-fashioned one. It focused more on places and sightings, typical to most of the tourist destinations in the country.As Anbazhagan said, TN govt isn’t aggressive on the promotion of Tamil Nadu tourism. It's just one of the several departments of TN Government. The Sarkari attitude and lethargy is clearly seen and I personally experienced that many times in past. Perhaps TTDC (Tamil Nadu Tourism Development Corporation) stands exactly were KTDC (Kerala Tourism Development Corporation) stood 20 years back.For this, we owe a lot to Amithab Kant for his visionary leadership to change the whole Tourism narrative and then to Dr. Venu who carry forwarded Amithab’s legacy for Kerala tourism.Perhaps more than branding Amithab Kant’s contributions to Kerala tourism was decentralizing the tourism activities.Instead of Department of Tourism handing entire tourism of the state, Amithab Kant decided that each district will handle destination tourism promotion, while state tourism department will only focus on brand management, communications and statewide tourism initiatives. This leads a two-tier system, ie at the state level, we have Department of Tourism which owns Kerala Tourism brand focused only on promotion of Kerala as a whole and crafting general programs and social initiatives. Kerala tourism doesn’t sell any tourist packages specific to one place. You won’t see Kerala tourism selling Wayanad tourism or Alleppey tourism etc. Rather that destination marketing is left to the second tier- the DTPCs (District Tourism Promotion Council). Every district will have its own DTPCs which sells the local places. This has promoted better competitivity and efficiency. DPTCs are mostly controlled by local tourist operators, hotel companies and tourism leaders of the districts who have direct stake-hold in tourism activities in that district. So they aggressively promote their place.The best example is that of DTPC Alapuzha which aggressively pushed Alleppey to international popularity, with houseboats and backwater tourism. Perhaps you won’t see that spirit in some other DTPC like that of Kasargod or Kannur. So the destiny of tourism marketing of a destination is with the locals, not with few bureaucrats sitting in the capital. While Tamil Nadu tourism is still a capital-centric model like many other tourist boards across the country. Few bureaucrats in one city cannot design and push destinations located across a large state especially that of TN.As Kerala tourism (Department of Tourism) doesn’t do destination marketing, they have ample time and resources to push for many other important things. For example, the priority of Kerala tourism these days is RESPONSIBLE TOURISM initiatives, aiming to train stakeholders to improve their skills for responsible tourism.For example, Kerala tourism launched a scheme of Better Together, where they train locals for becoming responsible guides, cooks, community workers, model farmers, etcThe above ads weren’t meant for tourists. Its meant for Malayalee community, how to train themselves for becoming a better guide, better run a community kitchen or push farm tourism etc.Kerala tourism regularly conducts programs for such community training. The first of its series started with Kumarakom in Kottayam and by now, Kerala is a leader in RT activities as defined by UNWTO.Detailed presentation of Kerala Tourism- Responsible Tourism Initiatives that changed community life in those places where it was implemented. This is a presentation made by Tourism Director Dr. VenuThe aim is simple. Make tourism, a driver of the local economy and create sustainable economic activities within the state that can create more than 5 Lakh employment by 2021.All You Need to Know About Kerala Tourism's Responsible Tourismhttp://www.uniindia.com/kerala-s...Kerala's 'Responsible Tourism' initiative a role model, says UNWTOSo Kerala tourism, instead of being a tourism operator, ended up a training organization for effective organic farming or sustainable community monetary programs or small scale tourism employment programs etc.Such larger scale social activities are missing with other tourism boards like TN etc because its primary job is only to promote and push sightseeing activities in the stateEssentially Kerala tourism is definitely miles ahead than TN Tourism if one takes value and quality wise. Whereas in terms of quantity and volume, TN Tourism is definitely miles ahead than Kerala.
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What is the difference between a signNowd agreement and a registered agreement in a house rental deal?
What is the difference between a signNowd agreement and a registered agreement in a house rental deal?Notarization -A notary is generally a lawyer appointed by the government who examines the documents of both parties, verifies that he has been presented with valid documentation and authenticates the document by stamping and signing it.Merit:You do not need to pay any stamp duty to get a rental agreement signNowd(other than the stamp paper on which the document itself was created).Demerit:In case of legal disputes, the notarization of a document has no legal standing(as it only proves that the documents were examined and can not enforce its content).Registration -You can register your documents by visiting the sub registrars office and paying the stamp duty as required.Merit:A registered rental agreement is legally binding on both parties.Demerit:You need to pay any stamp duty to get a rental agreement registered which means an additional expense.So how do you know if you need registration or notarization?Read on to find the answer:Anushree Chauhan's answer to What is preferred signNowd rent agreement or registered rent agreement? Why?Disclaimer - Nothing stated in this answer constitutes legal advice.
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How is the ICSE essay checked?
1.Teachers try to find out the key points in the essay and accordingly marks are allotted.2.Write the essay on the subject matter which the question is asking for instead of deviating from it.3. Do not repeat the same sentences again and again because it may create a wrong impression on the person who is checking your paper.4. Write quotation and highlight them.5. Provide examples if required.6. Teachers look for content and valid point suiting the essay so write the essay accordingly instead of writing 6-7 pages.7. Make less grammatical errors.8. First sketch the point of the essay and then prepare the essay.9. Do not try to copy essay from essay books.10. Write essay which is simple and understandable.11.Make your essay distinct from other candidates.12. Relate it with the current scenario, if required.13. Try to keep yourself aware of current affairs as it can majorly help you in english language exam.14. Practice essay from last ten years it will help you a lot and who knows you may get similar essay to write.15. Read good book of various genre this will help you in increasing your knowledge on various topics and in turn write a good essay for example: biography of some good personality.16. Give mock test which are conducted and get it checked through experts who have vast experience of teaching as they are well aware of marking scheme.17. Practice all type of essay covered in the syllabus so it will help you in the better selection of essay to be attempted.18. You can also prepare your own essay question seeing the current affairs and write on it and get it checked by teachers.19. Revise your essay once you complete your language paper.Suggestions are always welcomed so some more valuable points can be added.Study smart.Good luck.
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How do I register a Pvt. Ltd. company?
Steps to Register Private Limited Company:-Step 1. Digital Signature Certificate(DSC) RequiredThe first and foremost step to start the registration process is to have directors & shareholders Digital Signature Certificate. Digital Signature are nothing but a USB drive(DSC token) which contains the encrypted digital signature of a person.It is same as a person is signing with a pen on a paper and with digital signature, a person can sign a document on Computer.Step 2. Directors Identification Number(DIN)Directors Identification Number(DIN) are mandatory for every person, who wishes to become a director in any company. PAN card is mandatory to have a DIN number. Director Identification Number is a unique code which has lifetime validity.Documents required for DIN ApplicationPAN CardAdhar CardElectricity BillPhone billMobile BillBank StatementNote: There can be Maximum 15 Directors in a Private Limited Company which can be received by giving Notice to ROCStep 3. Name ReservationAfter having DIN number. Name Reservation Application can be filed through Form INC-1 and Name will be reserved by the DIN numbers of the Directors. Following points should be considered while making the application for Name Reservation.The name should not be similar to any existing company or LLP name.The name should not be similar to any Registered Intellectual Property.In the event of winding-up of a company, the name of such entity will not be available for use for the next 2 years. However, if company winds up by the court order, then the name of such entity will not be available for use for the next 20 years.Step 4. Drafting of Memorandum of Association(MOA) and Article of Association(AOA)Memorandum of Association: It is the constitution of a company. It is a document, which among other things, defines the areas within which the company can act. It states the objects for which the company has been formed. Articles of Association: It contains the rules and regulations relating to the internal management of a company. It serves as a binding contract between the company and its members. Once the company name is approved by the ROC, the subsequent step is to draft the MoA and AoA. The subscribers need to determine their name, address, and occupation in their own particular handwriting and sign the subscription pages of MoA and AoA.Step 5. Certificate of IncorporationAfter the submission and completion of all the necessary documents, the registrar of the company shall retain and register the memorandum and articles. After the registration of the Memorandum of a company, the registrar shall signNow that the company is incorporated. The digitally signed "certificate of incorporation" then will be emailed to the directors.
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