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FAQs
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Has anybody applied for learning or driving license online, how is the process for the same?
Based on my own experience of getting the Driving license for Geared two wheeler on myself with no bribe/brokers, I can say the process of getting driving license in Bangalore, Karnataka can be divided into two stages.Stage 1 : Apply for Learner’s License (LLR)Visit the Sarathi website and select the New Learners license under Apply online drop down menu. Fill in all the required details, upload signature and photograph, upload required proofs, book slot, make payment (FYI the payment can also be done at the respective RTO) and visit the applied RTO on the slot date with the printed application form, xerox copies of the proofs(FYI I have submitted my rental agreement + Electricity bill for residence proof, Aadhaar card for Id proof, Birth Certificate for DOB proof) along with the originals for verification.The computer operator will verify the documents and start your test. The test contains the questions on basic traffic signs. Once passed, After 3 days, the RTO authorities would upload the Learner’s license to the sarathi website for you application number. You may take the print out of you Learner’s License. The approximate cost would be around 250 INR.Stage 2: Apply for Driving License (DL)Step 1:Once you complete 30 days after Learner license approval, you can again visit the Sarathi website and select the New Driving license under Apply online drop down menu. Fill in all the required details, book slot, make payment (FYI the payment can also be done at the respective RTO).Step 2:Visit the applied RTO on the slot date with the application print outs along with the documents of the vehicle you take for the driving test. You need to staple the Chalaan payment bill with Application form, Learner’s license printout, Slot booking appointment printout, vehicle documents, Stamped Postal cover with the delivery address written on it (This is used to send your DL through post. Usually you can get it in the shops near RTO offices). Once verified you will be directed to take the bio-metrics followed by the DL test(I was asked to go straight, take a U turn and come back which I did giving the vehicle and hand signals. In case of the RTOs having separate track installed, the test might vary). Once passed, you will be asked to sign in the DL register and be informed the DL will be dispatched through post within 20 days. If in case you have not received the driving license in 20 days, you may enquire the RTO with the application number. The estimated cost would be around 750 INR for geared two wheeler license.Note: This is as per my experience at the Electronic City RTO, Bangalore, Karnataka.Hope this helps. Thank you :)
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How do I get a 2 wheeler driving license in Bangalore?
Recently I have finished my LL and DL test and got my Driving Licence from Electronic City RTO ,KA51 , I will sharing some of the problems which I faced do’s and don’ts not the process and documents needed which is answered by various people .LL TEST INFORMATION:1 ) Don’t use the online payment option its better you go there 30 mints earlier and make pay it offline. In my case it worked for the LL slot but not for DL , money got deducted but not reflected in the website and the customer care for Sarathi is useless ,they never respond you so better not to use the payment option online .2 ) While going for LL test , please carry the originals document along with the photo copy , digital copies are not accepted.3 ) For address proof I need to embed my Aadhar Card and Electricity bill copy at the end of the Rental Agreement Page where your Current Address is written.4) Medical Certificate is not required if you are below 40 or 50 (not sure the exact figure) don’t waste time on it.5 ) Always attach the appointment slot printout along with the documents.6) Always signNow 30 minutes earlier than the slot time , if you have any doubt ask the RTO people they will help to address your queries don’t ask the brokers over there .7 ) Prepare well for the test there are lots of youtube and blogs available for it , don’t take it lightly .DL TEST INFORMATION:Once you pass the LL exam, you need to wait 30days for DL test .For Electronic city RTO(KA51) DL test is carried out in HUKUR RTO office .1> Make sure you have an postal cover like below ,where your name and address it written . You need postal stamp(5 or 10 rupees ) . make sure you have it before going to the RTO ,I had spent 1 hr to find the postoffice and stamp .2> First you need to pay the fees in Room-1 (Cash Counter) make sure you carry some change with you ,there is not Card Payment only cash is accepted. They will charge around 650 rupees for 2 wheeler .3 > Once you paid the go the Biometrics room where your photo and signature will be recorded . You need to pay 60 rupees here .4> Once matrices is done they will send you to the cash counter again where they will tele-verify your Id number, chill you don’t have to pay anything here .5> Next step is to go for the Vehicle Registration section where you need to submit your Application and Vehicle Documents , they will ask your Original RC book for cross verification .Once the verify they will ask you to give a test , this test will be on a KIOSK and it consists of four questions , once you complete it, they will give an RFID card for Driving Test on the circuit .6> Final test will be your driving in an the circuit as below , make sure you wear helmet and don’t panic . They will mount Sensors to bike’s foot rest , it finds out how many times you have grounded your sept make sure you should not ground it more that 3 to 4 times , I have touched the ground twice .7> Once you complete the test, the result will be out soon you need to submit the RFID card then they will show you your report sheet , if you pass on both the tests i.e, the the one with the KIOSK and track test then you are through !! . You can take a snap of the result sheet and submit it back to them . Thats all you need to wait 15day to get the DL to your address .I hope it will help. Cheers !!!!
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As a startup founder of three years our legal housekeeping is a bit of mess, how can I best setup a system to organize and track
As a startup founder of three years myself, I can relate to how legal housekeeping can be messy. Once a year, I have our own lawyers go through and do an audit of all of our legal paperwork (which costs a couple thousand dollars to be extremely thorough, but it’s worth it). Luckily, there are now many ways to easily manage and track all of your legal, financial, and HR documents via third-party sites that specialize in these management proceedings. I wrote a blog post about this awhile back titled “5 Ways to Save Time Dealing With Documents” which highlights certain sites that can be very beneficial depending on what paperwork you’d like to track or manage. They are as follows:1. GroupDocsGroupDocs is a new, comprehensive online service for document creation and management. It has multiple features, including a viewer for reading documents in your browser, an electronic signature service, an online document converter, a document assembly service, a feature for comparing different versions of a document, and an annotation feature. An individual plan is $10 per month for limited storage and 500 documents, while a group plan for up to 9 people is $19 per user per month. Based on the number of features and pricing, GroupDoc is a good-value purchase for a small business. As you’ll see below, GroupDocs can be cheaper than a service that offers only one such feature.2. signNowWhen you’re closing a deal and need to get documents signed, the last thing you need is a slow turnaround due to fax machine problems or the postal service. The solution is to use an electronic signature service such as signNow, which is one of the most popular e-signature companies in the world. This service allows you to email your documents to the person whose signature you need. Next, the recipient undergoes a simply e-signing process, and then signNow alerts you when the process is completed. Finally, signNow electronically stores the documents, which are accessible at any time. As a result, you can easily track the progress of the signature process and create an audit trail of your documents. The “Professional” plan is recommended for sole proprietors and freelancers, and costs $180 per year ($15 per month) for up to 50 requested signatures per month. The “Workgroup” plan is geared towards teams and businesses, and it costs $240 per user per year ($20 per month per user), for unlimited requested signatures.3. signNowsignNow is another e-signature service. Similar to signNow, signNow allows you to upload a PDF file, MS Word file or web application document. Next, you can edit the document, such as by adding initials boxes or tabs, and then email them out for signatures. Once recipients e-sign the document, signNow notifies you and archives the document. signNow offers low rates for these services: a 1-person annual plan with unlimited document sending costs $11 per month. An annual plan for 10 senders with unlimited document sending costs only $39 per month.4. ExariExari is a document assembly and contract management service that assists in automating high-volume business documents, such as sales agreements or NDAs. First, the document assembly service allows authors to create automated document templates. No technical knowledge is required; most authors are business analysts and lawyers. Authors have a variety of options for customizing documents, such as fill-in-the-blank fields, optional clauses, and dynamic updating of topic headings. They also can add questions that the end user must answer. Once you send out the document, the user answers the questionnaire, and Exari uses that data to customize the document. Next, the contract management feature allows you to store and track both the templates and the signed documents. Pricing is based on the size and scope of your planned implementation, so visit their website for more information.5. FillanyPDFIt’s a hassle having to print out PDF forms in order to complete them. Fortunately, FillanyPDF is a service that allows you to edit, fill out and send any PDFs, while entirely online. This “Fill & Sign” plan costs $5 per month, or $50 per year. If you subscribe to the “Professional” plan, you can also create fillable PDFs using your own documents. With this service, any PDF, JPG or GIF file becomes fillable when you upload it to the site. You can modify a form using white-out, redaction and drawing tools. Then, you can email a link to your users, who can fill out and e-sign your form on the website. FillanyPDF also allows you to track who filled out your forms, and no downloads are necessary to access these services. The “Professional” plan costs $49 per month, or $490 per year.Switching firms can be a hassle. As a former startup attorney, I have a bit of advice about finding the right attorney for your business: it’s best to focus on the specific attorney you’ll be working with. He or she should have a solid understanding of the ins and outs of your business industry, a deep knowledge of the legal issues your startup may face, and previous work experience with startups to ensure a quality and efficient work product. This is absolutely key when matching our startup clients at UpCounsel to attorneys on our platform who can perform their legal work and hash out their legal projects in a timely manner. We also allow clients to store any and all of their legal documents directly on UpCounsel so they don’t have to go searching in alternative places for the correct paperwork. It’s proven to be a free and lightweight way to store legal documents that our clients love. Here's what it looks like:As I’ve mentioned, it’s more important to find the right attorney as opposed to the right law firm. And seeing as you’re a startup, our own startup clients typically save an average of 50-60% on their legal work, since the attorneys don't include overhead fees (a.k.a. the fees included for doing business with the firm itself) in their invoices.Hope this gives you a deeper look into what other sites and services are out there. If you have any questions or would like more information on how best to handle your legal housekeeping/ attorney matters, feel free to signNow out to me directly. As a former startup attorney at Latham & Watkins, I’d be happy to give you some guidance.
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What facts about Japan do foreigners not believe until they come to Japan?
Well I have lived in Japan for almost 3 years and the below incidents were hard to believe when they occurred:We took a taxi very late in night after we missed the last train to signNow our place. The total bill was about 20,000 yen but taxi driver took only about 16,000 yen saying that he took a wrong turn and it has caused 4,000 yen excess bill and he won't take that.My friend got his train pass made for 10,000 yen and lost it on the same day. It could have been used by anyone but somebody returned it to railways personnel and we got it back the next day when we inquired about it.While coming back in taxi from market to our place we didn't have exact change to pay to driver and driver also didn't have it. We asked him to stay for 5 mins so that we could get it from somewhere. He felt so much guilt for causing us the inconvenience that he apologised to us and left without taking any money.On a Friday night we came back from office at around 11 pm and were looking for some beer. We asked to a person who was standing at counter of a Starbucks (company) cafe. He was so much eager to help us that he came with us for around 200 meters leaving his counter to his colleague and made sure that we find a beer shop.While travelling in train on a Saturday night there was a co passenger girl who was so much drunk that she puked in the train itself. The other co passengers provided her the tissues and a plastic bag and despite being so drunk the girl cleaned everything and apologised to everyone.While in Tokyo Disneyland we asked a sweeper worker to take our snapshot photo. He kept his broom aside at some distance and took our snap. After we were done some other group came and asked him to take their snap. We went ahead to see other attractions. After around one hour we came back to same point and saw a queue at that point for getting a snap done from that sweeper. The person was happily and enthusiastically taking everyone's snap. So much humility.I can go on and on.Japanese are incredible. Hats off!
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What’s the most epic way a process server has ever served legal papers?
During my divorce I did the majority of the writing, paperwork, and delivery to save costs. Since saving cost was part of the reason I got quite creative with process serving. In the local court rules (every court jurisdiction has their own rules) there were only two restrictions. You couldn't do it yourself. The person signing that they did it had to be over 18 years old. There was no verification. There was no identification. There was no requirement that they show up to court to prove anything. A signature on the court approved form said they were over 18 and they delivered some papers. Good to go.My ex's attorney was doing her best job to raise billable hours and delays in the process. At some point in time she had made a mistake and brought a motion to an ex-parte court (only one party needs to be present ex-parte). The ex-parte court overlooked that this motion could only be ordered ex-parte with my signature on an agreeing form. I didn't agree! I got notice she did this on a Friday through the courts electronic forms processing. I couldn't see what she did until Monday. Because of other rules and process I only had that day to correct it. I didn't even get a certified copy until Tuesday!I didn't have time to go home and study it. I didn't have time to get legal help. I hammered it out on my laptop in the court lobby, printed it at Kinko's a block away, and then had another conundrum. Attorney's are supposed to make a good faith effort to tell the other party about ex-parte motions. Of course she didn't do that for me, but I was going to for her. I printed another set of complete documents that would move her motion from ex-parte to our actual assigned judge on the required 14 day calendar. A cover sheet explained this was my good faith message about an ex-parte action, and also moving her motion to the motions calendar.This would require a process server. I'm running out of time. I can't do it myself. The other attorney's office is across the street from the Kinko's in the downtown core.This is the epic part, and just revenge for the (dis)honest mistake and wasting my day. I walked outside the courthouse, found the stinkiest, liquor drenched bum I could find. I paid him $10 to go to her office, of a major law firm, in a top story of huge skyscraper, and deliver them and sign the paperwork saying he did it. I accompanied him, told the building lobby attendants he had legal business there and showed them her business card. Up the elevators, walked past the receptionist for the firm who just sat there open-mouthed. Same thing “he has legal business with
”. Down the hall, she was in a meeting with other attorneys. So he walked right in, dropped off the papers, now loaded with his stench, the other attorneys are backing away wondering what the hell, and I said “see you in 30 minutes if you object.”I made it back to the courthouse and to the ex-parte court in time to explain the error, the corrected paperwork, get a revised order canceling her order, and putting everything on the 14 day calendar. The accepting clerk asked if this had been served. Yes, here you are: a Service of Process document, properly signed by a drunk, snaggletoothed, unbathed bum.The 14 day extension gave me enough time to write a valid objection and her motion was denied. The actual issue was of little importance except it inconvenienced me. It would have been a pretty routine temporary change in a six year custody battle. She got petty about it, and I got petty back in spades. -
Is it easy to get DL from electronic city RTO? Will everyone pass or is it strict? I'm going through driving school.
I have been to the Electronic City RTO, Huskur road (ECity Phase 2, KA-51) for 4 wheeler DL test today without any agent and followed the Quara answers thoroughly specially the latest ones at How can I get a driving licence in Bangalore?. And I went through the DL process myself, gave test and passed in 1st attempt today itself i.e 26.12.2018. Below are the important points I would like to share to have a smooth ride for the whole process for DL (after LL) when applied online.After minimum 1 month of having LL issue date, you should go for DL test.A DL applicant can max have 3 attempts and there is a waiting period of 7 days for each attempt.If you have LL, you can yourself login to the http://parivahan.gov.in website and apply for DL. (I had to change address also on LL and I did that before apply for DL ;) ). You don’t need to visit RTO office at all to apply for DL except for the Test day, but I went once to the RTO office near BTM 4th stage to get the postal envelope containing required stamps which will be used by RTO to send the actual DL card).After applying online for DL, you need to book slot (test date) for DL test. You can pay the fees online or you can pay the same during the DL Test day at Huskur RTO office. For LMV-NT i.e 4 wheeler non-transport the fee is Rs 651.00 (DL Test 300.00, Form 7 fee 151.00, DL issue fee 200.00).On the scheduled DL Test date, directly go to Kuskur road, RTO (it’s at Electronic City Phase 2, the office is on the left side of the Huskur road, if you come from Hosur road or ECity) 1 hour before your schedule slot as there will be paper work before test and you have to stand in queues for every process. You need to bring your own vehicle or any other’s vehicle along with that vehicle’s 1. RC, 2. insurance, 3. Pollution under check/control (PUC) certificate originals. Along with all the xerox copies i.e application acknowledgment, DL application form, fee receipt (if already paid), slot appointment, LL copy, (no need of medical certificate if you are below 40 years of age) and a postal envelope, don’t forget to write your address on it. Just staple all these Xerox documents. I didn’t have to paste photo also, as it was also present in DL application already by the system.First park your vehicle inside the big premise (on the right side after entering) and then complete 5 processes one by one -i) Go to the Biometric Room which is at the left side (just after Cashier Room and each room has the name written on the door, should be easy to find). The person will check the application number in his computer and slot date and then ask you to pay the fees for Smart Card (Rs. 60 including GST) and if you have not paid DL test fees, you have to pay here (Rs 651.00). Your photo will be taken and your digital signature with an electronic pen & pad will also be taken. You will get one receipt from here which the person will staple with your application documents. 1st step is done.ii) Go to the Cashier room just before the biometric room and handover your application to the person sitting there. He will scrutinize it and make a phone call to some other person with your application no. You are done with 2nd step.iii) Go outside the registration room and stand in the queue. Your application will be checked again and your vehicle’s original documents will be asked (RC, Insurance, PUC). I was only asked for RC. Here the person may ask again to visit Cashier room if scrutiny is still pending. Once that’s done you need to go inside the registration roomiv) Inside the registration room you have to answer 4 signs & symbol questions using a computer. These are not very easy but not too tough if you are prepared for couple of days. After that test, you will be given a white RFC card and will be asked to go to the track. The person will also attach one test result form with the application which you have to sign after completing the test.v) Actual Drive test: Come Near the LMV track (right most area after the 2 wheeler tracks) with your application and RFC card. One person will explain how the track works and what the different time limits. There are different types of tests done in the track - 1. Uphill stop and start 2. ‘8′ track, 3. Parallel parking 4. Traffic signal 5. Reverse ‘S’ track 6. 3 point turn. For each test you have swipe the card near the entry of that particular test. For applicants with driving school or agents, the driving school agent will seat beside you with their own vehicle but as I have gone alone, I was only personal seating in my car and as the entire test track is automated, the result will be given from the registration office immediately once you submit the RFC card and application.My entire process form start to finish took about 1.5 hours as there was not much queue for 4 wheeler tests. It was my first attempt and I passed in all tests with 100% score except in ‘3 point turn’ where I scored 2/5 but passed. I can also see the application status online that’s it waiting for approval for printing & dispatch. I did practice for about 3 solid months and went through all Quora question-answers on this process and saved some good amount of money by not going through agents. Which gave me solid confidence about Quora and RTO process :)
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How should I prepare for GD and PI for top IIMs?
Personal interviewThese are few of the points i feel are most important while tackling an interview1. Focus on your life so far and basic questions on current affairs just to see if you have a view and then make a decision. Show awareness to every possibility before making a decision. Look at the problem from multiple angles - interviewers like that.2. Don’t be someone youre not: theyll catch you easily. Dont lie.3. Be polite at every point. Be humble - smile and say you do not know4. Be chilled out - listen to something funny (videos on youtube maybe?), talk to the people outside, crack a few jokes. Dont revise notes before going in the room.PI they wanna know about you - your life. Nothing more. So however cliched this might sound - know yourself.GDTopics to revise:Basic current affairs should be okay. You should know politics (current PM era, General elections BJP, Congress basic initiatives etc), economics (Indian economy, general world economics, US/China economies maybe), current affairs - general (all headline topics for last 1–2 months prior to GD)These above mentioned topics should be more than enough.Tip: unless you were in Hibernation for 2 months prior to the GD, dont think you should bother about the topics - they’re pretty general and you’ll definitely have an opinion.Key Personality traitsEveryone is unique but i feel you must demonstrate atleast one of these traits in GDs to have a good shot:1.Take a balanced approach to things - aware of pros and cons/ negatives and positives of any topic brought up. Then after weighing them make a rational decision2. Ability to listen to other people: listen to people intently - add to their points and come up with new conclusions. Avoid butting in avoid initiating new lines of debate3. Ability to stand out: this i feel is key - typically 2/3 people out of 10 crack a GD. Surprisingly this is the easiest too. The pressure gets to most people - they get the pressure of speaking up in those 10 minutes - they rush in. Speak calmly. You may argue that you have to be loud to be heard. Yes, you do. But be smart here. Dont try to butt in having a diametrically opposite point. Try this.Example: Person to your left speaking something After she finishes 2 lines you speak up. You speak this “Excellent. This is an excellent point brought up by you (briefly repeat wat she said, demonstrates you heard her properly. Most people focus on their parts alone) - i would like to add this.” Then, quickly do a pros and cons analysis and give your point. Speak clearly, nicely. Once or twice. 45 seconds - 1.5 minutes should be great.Do these 3 points right along with the current affairs topic mentioned and you should do fine in the GD.
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What are the consequences of writing out business checks that you suspect will not clear? Done by the office manager at the dire
This subject is covered — as with all things legally speaking: mostly/in part — by Article 3 of the Uniform Commercial Code (UCC). The UCC is a federal law that many, but not all, state and local jurisdictions have adopted. While I’m going to rely on this, I’m also going to rely on my extensive experience; and, for the record, I am in Texas.Let’s deal with some ambiguities in the question, first.Is the business incorporated (this includes nonprofits)?Is the office manager an officer or director of the corporation? — Here, director refers to having a seat on the board of directors (BOD) of the corporation, not that managing director, e.g., (of some division) is your job title.A managing director or other director, where that is a job title, may be an officer of the corporation. That would matter. For instance, a managing director might also hold the title of Vice President.A corporate charter, usually registered with the Secretary of State of some State (e.g., Delaware), will ask for a listing of important people: the President, usually at least one Vice President, a Secretary, and a Treasurer, though it’s not uncommon for those last two roles to be united as Secretary-Treasurer. — These are your corporate officers. At least, the most basic ones.Notice: CEO and CFO, etc. — these are not listed.A corporation’s (and really, any business’s) bylaws will set out how directors of the Board will be chosen; how many; etc. And, in here, you may find the C-suite titles, like Chief Executive Officer and Chief Information Officer.A limited liability company (LLC) has members and managers. The various types of partnerships have partners, of course (and partners can be corporations or LLCs).It appears that the office manager should how the business he or she works at was formed. — Don’t trust the way the business’s name is styled on the sign outside; that tells you nothing about what is really going on.However, if you don’t even know if you’re an officer of the company, it might not matter. Unless it does. — So, if you’re going to be endorsing bad checks, you should figure this out.One thing that may help you, in any situation, is to sign the check in a way that indicates your representative capacity. For instance:Jared Maloney, CFOXYZ 123, INC.—You are making it known thatThis is a business, so put your job title after your signature. — You are signing in a representative capacity only.Don’t rely on the preprinted information at the top of the check. — You are signing on behalf of (OBO) something or someone else. Write that thing or person’s name on the check near where you signed your name and indicated your title with respect to that thing or that person.A sole proprietorship may have a name like Maloney’s Computers. It may also have a name like Computer Depot. — What’s missing is that the second version is a sole proprietorship operating under an assumed name, and the full title of the business might be Jared Maloney doing business as Computer Depot.The is a presumption, almost, that the owner of the sole proprietorship is the officer-equivalent. In fact, he or she may say that he’s the President of the company, or Owner of the company, interchangeably.Be careful, though. Most anything can have an assumed name.→ XYZ 123, INC. DBA Computer Depot is probably a valid business name. That means it’s a corporation even though it doesn’t have to say INC. on the end of its business signs!—And, this can get even more complex. LLCs can choose to be taxed like a sole proprietorship, or like an S-Corp., or like a C-Corp.Yes. — More than one type of corporation exists.—I’ve likely already lost 75% of my readership by now, so I won’t even talk about hybrid business structures where a general partnership has a corporation as the general partner and an LLC as the limited partner, and each has the same or different officers. — Attorneys and bright businesspeople (or conmen) can do some very interesting things if they have the internet and money for the filing fees.Let’s explore the sole proprietorship situation and assume you, the office manager, don’t know if the business is really structured as a sole proprietorship or if you’re an officer or director of the company yourself.You know you are an authorized signer on the bank account. Now, I’m bringing in the banking aspect of this.The other authorized signer on the business’s bank account is the President.You have a choice now. You’re not sure if the bank account will have enough funds in it to clear the check when it is received and presented by the recipient to his/its bank (and then by that bank to your business’s bank).How do I sign?—Jared Maloney, Office ManagerComputer Depot—Jared Maloney, OBO John Doe, President of Computer DepotIn today’s time, if you sign the second way, I doubt the check will have any trouble getting cashed by its recipient, so long as that recipient doesn’t present it directly to a teller of your bank.Years ago, I worked in new accounts at a retail bank, and I never saw such a signature on the signature card of any form of deposit bank account. — I wouldn’t have allowed that to be the signature of record on one, and I would have been very wary to authorize a teller to cash a check that was signed that way.This is how that works!The term relationship banker exists, and that gives you the idea that you have a specific person you deal with at your local bank. He or she is your banker. So, if you started your relationship with me on the deposit side of the bank, then your account would have my initials on it for bank employees to see. — Should there be an issue with you in the future, there was a good chance someone would call me about you for analysis or decision-making.If, however, you got a loan, and even sometimes when you were just a relatively big business customer, the officer assigned to you would be your lender. — Lenders tend to have titles like AVP, VP, SVP, and EVP. President, too, of course.At that point, your account, on its profile that bank employees could see, would see the initials of your officer as primary and then mine as secondary.For routine matters — for instance, you have a problem with a teller — and, that’s what we’re talking about now — a funny check is trying to be cashed issued from that account — the teller would call me first. If I couldn’t solve the problem within what I considered my relevant risk profile, or if it dealt with credit issues (e.g., “Does the loan officer want to honor your bad check or let it bounce?”), then I’d call up your lender, or his or her boss — if your lender was busy — to get an answer.Repeating, the issue is with the signature line sayingJared Maloney, OBO John Doe, President of Computer Depot—If a teller called me up, I’d check to see who the authorized signers were on the account. If Jared and John were both signers, then I don’t know if I would’ve cared.It just reads “An Authorized Signer on behalf of Another Authorized Signer, (who’s) President of The Company Named on the Account.”While that’s not the signature exactly found on the signature card (or the list of authorized signatures addendum), it contains the signature of one of the signers.If that was all in print, then that’s not a valid signature on the check. Obviously, you’d signed your name and print the President’s name. Don’t sign his name too!In either of the cases (whether Jared signed with his title [Office Manager], or if he signed in the OBO way), what if Jared Maloney is not an authorized signer on the check?—If that check is presented directly to a teller or other officer of your bank, and that person takes the time to figure out you aren’t an authorized signer, then the check won’t be honored. — The person (e.g., your employer or vendor or whoever) will be turned away.That’s not just bank policy. It’s a bank’s policy because banking regulations demand that it be bank policy. At least for banks that are FDIC-insured.And, on the flipside, as I said before, no matter how you sign the check (to create some idea of relinquishing all personal liability related to understanding of probable NSF situations in the future of that check!) — if you’re an authorized signer on the account — it’ll likely be cashed if the check is presented directly to your bank.And, if the person or the representative of the business, to whom the check was written, presents the check electronically to their own bank, or in a night deposit bag, or in a big ol’ bag with other checks and monies, — and, even if it’s presented alone to a teller of his or its bank — the likelihood that it will be cashed is high.So. You can attempt to mitigate your personal liability for understanding beforehand that the check you are writing will not be cashable, in the future, immediate or otherwise, due to insufficient funds, by changing the way you sign the check.So long as you’re not an officer (or, perhaps, just a director) of the business or nonprofit. — Maybe.Let’s compare a few situations. We will assume that all people are signers on the bank accounts.Janet is the Chief Executive Officer and President of a corporation. She is also the office manager, but she’s not the bookkeeper. She writes a check without asking the bookkeeper if the check will be any good.You can forget the CEO title, here. That’s not the type of officer we care about. President is, though!Signing as the Office Manager doesn’t mean squat, here. You can’t reasonably expect to use a lesser title to get out of personal liability.The notion that there is a bookkeeper doesn’t mitigate anything. Prior to writing the check, Janet could’ve called the bookkeeper; called the bank and checked the account balance; or, waited to write and deliver the check until such things could be done to make her certain she would not be committing check fraud.Janet has a risk, here, of being personally liable, because the President of the company, in most situations, has the ultimate authority to view any financial statements of the company. The President usually signs tax returns for a corporation; or, at least, that’s a possibility. The IRS would accept it.That risk is less, but not theoretically impossible to realize, if she signs the check as Janet, President of XYZ 123, INC.Sam is the husband of the 100% shareholder/owner of XYZ 123, INC. His wife, Janet, is the President, and he holds the somewhat ceremonial title of Treasurer, because he has his own job and doesn’t really do much but bookkeeping for the business at night. He is the night bookkeeper and the titular office manager. — When he arrives to start his work, his wife, Janet, calls him and tells him to prepare a check for $10,000 made payable to one of her vendors.Is the amount of that check high, in his experience, for the corporation to make on the spur of the moment?The bank is closed and he has no access to online banking for this account.He will know the actual book balance of that account when he’s done with his night work, but he hasn’t even started.Sam has risk, here, of being personally liable. He is the Treasurer of the corporation. Despite being ordered to prepare a check and deliver it to a vendor on demand, he could choose to ignore that. — The President can’t fire the Treasurer. Only the Board of Directors can fire the Treasurer. — If the President, his wife, doesn’t want to wait for him to do his work, so that he is comfortable with writing the check himself, then she can come in and sign the check herself.Signing as Sam, Treasurer, XYZ 123, INC. may shield him, but this set of facts may not bear that out.Oscar started out at a corporation as the office manager. Over the years, he was promoted to hold the position, also, of Chief Financial Officer, but he was still the titular office manager. He no longer held a primary bookkeeping function at the company, but he did review all of the corporation’s financial statements. He had been elevated to CFO by a meeting of the BOD, but no change had been made to the corporate charter. If you checked with the Secretary of State (SOS), his name would not be found listed with the SOS. A Vice President of the corporation just called him and told him to authorize payment for all invoices currently owed to a particular vendor, because the VP was upset with it and intended to switch to a new vendor. Once he is off the phone, he calls down to an accounts payable clerk and orders him to prepare a check, to the vendor, for all outstanding invoices. While the A/P clerk was working, he checked the bank account balance and his cash flow data; and, determined that the check would likely be returned NSF. Pretty soon, the A/P clerk knocks on his office door and brings in the check for him to sign.Is the VP who called him listed on the corporate charter? — Oscar checks, and he is. Despite Oscar’s in-house title of CFO, the VP is his boss. (We’ll assume that the bylaws don’t say otherwise, but that is really an internal matter.)Oscar checks the authorized signers list for the bank account and sees that he is an authorized signer but the VP in question is not.In order to verify that the VP understood what he was asking Oscar to do, he called the VP back, but he didn’t answer. — What do the corporate bylaws and associated memoranda, if any, say should be done in this situation? — He looks, and the bylaws are nonspecific.He places a call to his boss, the President, who is also the boss of the VP. — The President, also, does not answer.Based on this, he signs the check and asks his assistant to make sure it got in the day’s outgoing mail.It is unlikely that Oscar will face any personal liability if this check bounces when the vendor deposits it.This is when, absolutely, the CFO should sign as Oscar, Chief Financial Officer, XYZ 123, INC.However, that doesn’t mean that the corporation won’t be held criminally liable. Oscar may avoid personal liability for this decision, but he may face it (i.e., the corporation may face it); and, it might be a criminal charge, not just a civil one.His job may be in jeopardy! Of course, it may have been in jeopardy if he refused to sign the check and send it on. — Without any help from bylaws or other corporate policies related to this event, he’s in a pickle.He may be screwed either way. — If anything, if he’s fired for his decision, either way, he has a good case for unemployment benefits.Finally, let’s run the simplest scenario.Sarah is the office manager for Johnny B. Goode dba Goode’s Goods. Johnny is the owner of the company, and he rules it with an iron fist. He’s in control of everything. She knows the company is a sole proprietorship; they’ve talked about it before. Johnny calls her up and says a subcontractor is expecting a $2,500 payment. He’d forgotten to tell her; she needed to write the check and go to the post office and overnight it to the subcontractor. She does as she’s told. She has no access to any financial information. On no check she’s ever written has she known whether it would clear or come back NSF. — That was above her pay grade.Sarah opens herself up, with each check she writes, to civil liability. → She can be sued.If she has the ability to sign checks, as an authorized signer on the account, she really should have the ability to make sure those checks will be good on arrival.However, there’s no way (seemingly) that she can form the intent to defraud requisite for criminal liability.She still should sign Sarah, Office Manager, Goode’s Goods.—As for the owner? → No luck for him. He is not operating in a corporate/fiduciary capacity. He has criminal and civil liability for this action and all others like it.This is why people incorporate their businesses.The last aspect to cover in this answer involves facsimile signature stamps.You can sign your name, which is the signature that is found on the business’s business bank account signature card, and turn it into an ink stamp.Your secretary or assistant or office manager or VP — anybody — can use that to stamp your signature onto a check.Some banks don’t allow facsimile signature stamps on bank account signature cards, but — for reasons similar to those I said before — they likely will be accepted at other banks, and even if your bank doesn’t accept such checks, they will likely process them if they come from another bank, because no one looks at them.I’ve never had any problems with them.A pretty big businessman I did business with had his mother law as his office manager. — She had a facsimile signature stamp which had her signature as the stamped signature!So, even though she could sign the checks, per the bank, she chose to stamp the checks with the ink stamp instead. Same signature! — Different ink.I believe she did that for liability reasons, not laziness. — By definition, the facsimile signature can be stamped by anyone, so you can never really pin down who did it.I know a bank that prints, on most checks, the facsimile signature of the bank President, and then whatever officer (or teller) has issued the check initials next to the computer printed facsimile of the President’s signature.This is a clever, de facto way of saying, “Jane Doe on behalf of Jack Dooley, Bank President”.When I’ve headed departments that use facsimile signature stamps, I have people, including myself, initial next to the signature stamps on the checks. — It’s more for a risk management/ease-of-verification purpose.Donald Trump always signs documents with a special pen. — That’s not unique to him. — I have a special pen I use to sign my signature.If you don’t have that marker or pen, respectively, then you can’t recreate the signature, no matter how talented you are.The same thing goes with that facsimile signature stamp, or printed signature. — Even if you’ve expertly copied how someone signs his or her name, you’ll never get it right because you lack the correct ink (and sometimes, paper).United States currency is signed by facsimile.If you are an office manager, and you don’t want to be responsible, use a facsimile signature stamp for whatever someone else has authorized you to be issuing checks.Maybe that person is the President of the company.If you have the authority to sign documents or checks (→ the facsimile signature stamp can be used on more than just checks!), then sign them if you feel comfortable with them.If you don’t know what you’re signing, or you’re not comfortable with it, pull out that stamp and use it!I would, and I do.When I worked at the retail bank, I could sign checks only up to a certain amount, even though I processed transactions that required me to produce checks in the millions of dollars. In order to make sure those checks would be honored by the bank, I had to make sure that I found someone else, with a higher signing limit, to co-sign with me.I had a friend who was one of the Executive Vice Presidents of the bank, and I tended to go to her. — Don’t think she signed things just because I asked!I brought her my supporting documentation and showed why I was sending so much money out of the bank. — Only once it made sense to her would she affix her signature.If you want to be the safest you can be, never sign anything you can’t confirm won’t come back as fraudulent.If you aren’t seeming to be able to achieve that, as the office manager of a business, then get your boss to sign on the order form for a facsimile signature stamp, and then, everything that comes out of the office, which he authorized you to produce when he hired you, will have his name on it.And, that will serve de facto to say: “Me OBO My Boss”.Given you have no choice in the matter, as these are orders you’re being given, you should be fine. But, to be safest — if you know (as President Trump’s White House attorney might have said) crazy shit is going on — you might just wait until someone else can sign the checks or documents, so that you have no record on them, legally; you just produced them on demand or order.If you get fired for being that careful, then you are likely to win your unemployment appeal, if everything else is satisfied, because requiring you to take on personal criminal or civil liability is not a valid power of a business manager, executive, or owner. — An order to break the law, including to be part of a conspiracy to defraud, is not a valid order.
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