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FAQs
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How is HelloFax different from EchoSign?
The answer is similar to the Why is Dropbox more popular than other programs with similar functionality? [ https://www.quora.com/Why-is-Dropbox-more-popular-than-other-programs-with-similar-functionality ] question[1], the crux of which is that normal people don't want a Comprehensive Software Solution Package. They want a tool that does something for them. Dropbox: There is a folder and you put files in it. It syncs. HelloFax: You upload a file and sign it. It sends. Let's say you are a harried entrepreneur who is incorporating his/her company, and finds that s/he needs to sign and fax back the final documents. You just want to get this done as fast as possible and you don't want to drive to Kinkos, so you start looking online for a solution. Try going to EchoSign's webpage: http://www.echosign.com/ Now look at HelloFax: https://www.hellofax.com/ Which one looks more intimidating? Do you want an electronic signature solution or do you just want to sign it and be done with this "fax" problem? When someone asks me to fax something back, I don't think "Ah! This situation calls for an electronic signature! A web application that facilitates electronic signatures would be just the ticket!" Instead, I think, "WTF you neanderthal, why do you still have a fax machine?" I just want to get my signature onto that document, which I already have on my computer, and send it off to them. Most people requesting a "fax" will take a PDF via email, which HelloFax can send, or if they really are neanderthals, they will have an actual fax number, and HelloFax can send it there too. That's all I know and understand, and I need a simple service that transparently does this. HelloFax does it; I have no idea if EchoSign can even send something to a fax number or, from their website, exactly what they do[2]. [1] Fun tip: click on the "more" link showing the "votes by" for Michael Wolfe's answer on that page. [2] Edited: Antone Johnson's answer does a good job explaining what EchoSign is all about.
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What are the necessary components of a digital signature? Does there have to be a 3rd party?
What is Digital Signature?A digital signature is basically a way to ensure that an electronic document (e-mail, spreadsheet, text file, etc.) is authentic. Authentic means that you know who created the document and you know that it has not been altered in any way since that person created it.Digital signatures rely on certain types of encryption to ensure authentication. Encryption is the process of taking all the data that one computer is sending to another and encoding it into a form that only the other computer will be able to decode. Authentication is the process of verifying that infor...
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Can those who pay to spread climate change denial be charged with criminally negligent homicide in the event of a future disaste
Not everyone is getting paid. For example Dr Richard Tol is amongst several former lead authors on the UN’s climate change assessment reports for the IPCC who have resigned, stating that there has not been as much warming as predicted and that the computer models used to predict warming are flawed - which many of the modellers themselves admit to without prejudice towards one side of the debate or the other.Some other authors have gone so far as to say that the warming claim of 0.5C during the last 100 years is well within earth’s natural range of variability anyway, and entirely survivable by humans. See link below.Remember also there are people who work in the fossil fuel industry that sincerely believe man-made climate change not to be true. And afterall, we’ve been promised for 30 years - since the first congressional hearing into climate change in 1988 - that catastrophy would be here by now. It’s getting a bit wearing.As an aside, remember that access to cheap plentiful energy in the form of coal and oil is single handedly responsible for lifting us out of an 18th century agrarian lifestyle where 85% of the population were required to farm with an average life expectancy of just 40 years. All medical, dentistry and dietry advances which have contributed to longer life spans, have only been made possible by access to this cheap plentiful energy, and the raw material oil from which many products are made.Would not using fossil fuels be categorized as homicide too?Resignations & withdrawals from the IPCC, HABITAT 21:
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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 is the process to get Educational Credential Assessment (ECA) for Canada PR from WES?
For everyone asking questions on WES. Steps for WES ECA evaluation for Canada Immigration purpose, important points and some more info.(a lot of info, so going to be a long post) Before you start just check following things: 1. Website: World Education Services Canada: International Credential Evaluation [ https://www.wes.org/ca/ ] Please please go through the website and make yourself familiar with navigation. You will get most of your answers there. Don't start asking questions before going through information posted on website. Its for your own good to get first hand information before listening to other people. ***Always make sure you are on Canada website not USA one. you can see that on top right corner of Website where a flag is listed with country name or in website address with "/ca" listed in address.*** 2. Degree equivalency tool Degree Equivalency Tool [ https://applications.wes.org/ca/degree-equivalency-tool/ ] WES has free tool to check equivalency of your degree to Canadian degree. Don't rely completely on this as the final assessment always depends on the actual evaluation but it will give you an idea and a head start. If your degree is not listed there it doesn't mean it wont be equivalent to anything, you will get to know that in real assessment. ***If you are not sure after using the tool, if your degree/college will be valid for ECA through WES try to email/ WES to check or ask if anyone had same degree evaluated before. That might help you little bit in the case where your degree/ college is not valid and save you some money, you can check other designated organizations for your ECA then.*** 3. Required Documents Required Documents - World Education Services [ https://www.wes.org/ca/required-documents/ ] Check what documents you need for your evaluation here. If you don't have those in hand just start collecting those. Get your transcripts from your university or any other document listed as per your education. You can also ask your university if they can mail your transcripts directly to WES, you can use "Academic records request form" given on website for this. Check if your University needs their own form filled too for releasing your documents.(do this after you get your WES reference number as you will need that in case you are giving the address of WES to university for mailing your transcripts, In case you are taking your transcripts yourself for mailing, you can get reference number later too). ***Make sure your transcripts are valid. Transcripts must show: all subjects taken, grades received for each subject, and for each year you were in the program. Semester wise transcripts are not valid for evaluation. Transcripts should be sealed and signed with a stamp from university.*** ***If your University does not give subject-wise Transcript, Ask if you can get all your mark sheets attested from University, and they will sign and stamp all photocopies and put them in one envelope and seal them with stamp like transcripts. That is mostly called document verification in University.*** 4. Check how will you pay your fees. Credit card/ Money order/ Western Union or in case any other option listed in instructions. Check it out. Fee is approximately $225-$230(including taxes) in Canadian currency. Rest depends on what additional services you chose for delivery etc. Cheapest courier option is $7. ECA - World Education Services [ https://www.wes.org/ca/evaluations-and-fees/eca/ ] Next steps: 1. Create a WES account. World Education Services Canada: International Credential Evaluation [ https://www.wes.org/ca/#get-started ] Click "Apply now", then click on "Canada", Then "ECA application for IRCC" and proceed with further steps. ***Make sure you choose ECA application for IRCC not the other option.*** Fill up your details in all pages very carefully and correctly. You will have to provide a recipient address, give your address there. When you will proceed it will automatically generate "Recipient 2" as IRCC. Don't worry about that one, it is used for electronic delivery of your records to IRCC when you put your WES report number while filling your express entry profile. 2. Pay your fees 3. Reference number will be generated.(This will be used in all your communications with WES) ***Once you submit your profile and reference number is generated you cannot edit your information so do not be in haste, check carefully and then submit.*** ***Your reference number is not ECA report number. You can't use it in Express entry profile. It is only used for communication with WES. When your evaluation is completed and you get your ECA report it will have your ECA number which you will mention in Express Entry application.*** 4. Read all instructions on what documents to send and at which address. *** Put your reference number on all your transcript envelops(at an empty space, not on the seal or signature or anywhere on flaps) and backside of your degree photocopies. I will suggest using a pencil not a pen for that as sometimes pen ink leaks through paper.*** ***You can put all your documents in one big/ master envelope and send to WES. No need to mail everything separately. Make sure again to put your reference number with WES address on the packet.*** ***Do not send any original document to WES unless asked specifically with instructions that they will return it after evaluation.*** 5. you can check status of your application by logging in your WES account. It will show once they have received your documents, your evaluation report will take up to 20 days after your documents are received. Be patient. ***If you are using tracking with your courier and it shows your documents delivered but WES account doesn't show received don't panic. It takes up to a week for WES to update receiving of documents.*** 6. Once your evaluation is completed you most probably will receive an email. You can find pdf copy of your report by logging in your WES account. ***Check your report that everything is correctly mentioned.*** ***No need to wait for hard copy of your report for Express entry if you have got pdf version in your account. It is same and have your report number on it which you can use for express entry profile.*** ***Your ECA is valid for 5 years.*** Note: Do not ask any question if you have not read entire post. If the information is already posted here just check it out. I am no expert but will try to answer any question which I haven't answered here if and only I am sure about that. Will also edit the post and add the point. If I have posted anything wrong feel free to mention and I will edit the post. Good Luck. Cheers.
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Can I transfer my EPF account online?
The EPFO or Employees' Provident Fund Organization has introduced an online system to facilitate transfer claims and withdrawals by its members. Using this system, an employee can transfer his or her provident fund (EPF) balance with the previous employer to a new employer or can make partial/complete withdrawal of his PF balance with ease. In online transfer of PF, an employee has the option to get his or her claim attested by the current or the previous employer. After you submit your EPF transfer request, the employer will verify/correct your member details, approve and submit the request online through the portal. However, the employer needs to have a digital signature in order to affect the transfer. There are certain eligibility criteria which an employee needs to meet in order to transfer the EPF online.Online transfer of EPFWhen you move from one company to another, you need to transfer your Employee Provident Fund (EPF) as well. With the introduction of Unified Account Number (UAN) for EPFO subscribers this process has become simpler as the account number remains unchanged. Here’s how to initiate the EPF transfer process online.Register on the EPF member portalIn order to initiate the claims transfer, you need to be a member of the EPF member portal. The registration on the portal can be carried out by logging on to the EPFO India website.Portal for online claims transferThe employee must access the Online Transfer Claim Portal and register a claim for transfer of EPF. The login details for this portal are the same as those for the member portal.Check eligibilityIt is important to check whether you are eligible to make an online transfer claim. In some cases, a physical form (Form 13) must also be submitted.ProcessIf you are eligible to make the transfer online, click on the ‘Request for transfer of funds’ and enter the PF numbers of your previous and current employer. The claim needs to be attested online by either your previous or current employer. On filling in the details, a PIN will be generated and sent to the registered mobile number.AuthenticationA tracking ID will be generated to track the progress of the online application. The printable Transfer Claim Form (Form 13) can be saved in the system. Print out Form 13, sign it and submit it to the employer to complete the process of claim submission.Reasons to transfer your PFOnce an individual starts his career by taking up employment in any of the PF registered organization, an employee would be registered for PF purpose and both employee and employer contributions to employee’s PF and the fund earns interest till withdrawal. Further, it is not uncommon especially in early or mid-years of the career, to switch job for various reasons with or without break. In such scenarios, what happens to the PF account of the employee already created with the previous employer?The employee will have two options in such casesEmployee’s contribution with interest can be withdrawn if the employee continues to be on break for up to 60 days; orTransfer the balance to the current employerAs already mentioned, in order to make it an ideal saving for retirement it is always better to transfer the PF balance instead of withdrawing. This is also advisable from the tax standpoint as withdrawal of PF within 5 years of continuous service attracts tax.How to use UAN to transfer PF online?The Employees’ Provident Fund Organisation (EPFO) has been taking several measures to simplify the operation of EPF account both for employer and employees. Keeping up with technology revolution, EPFO is also striving towards making all the process related to EPF electronic, more specifically PF transfer and withdrawal of PF which are generally tedious and time-consuming.EPFO introduced Universal Account Number (UAN), which acts as an umbrella for the multiple Member Ids allotted to an individual by different employers. UAN enables linking of multiple EPF Accounts (Member Id) allotted to a single member. UAN offers a bouquet of services like dynamically updated UAN card, updated PF passbook including all transfer-in details, facility to link previous members’ ID with present ID, monthly SMS regarding credit of contribution in PF account and facility for auto-triggering transfer request on change of employment.Documents required for transferring PF onlineWhile the PF transfer was possible online earlier under ‘Online Transfer Claim Portal’, with the introduction of UAN, the process of transfer is revised and shifted under ‘unified portal’. However, in order to make online PF transfer, please ensure the following.The member should have activated his UAN in UAN portal and mobile number used for activation should also be activeBank account and bank IFSC code of employee should be seeded against the UAN Seeding Aadhar number and PAN against UAN is not mandatory for raising transfer claims.The employer should have approved the e-KYCThe previous/current employer should have digitally registered authorized signatories in EPFOPF account number of both previous and current employment of an employee should be entered in EPFO databaseOnly one transfer request against the previous member ID can be acceptedPersonal information and PF account related information is shown in EPFO should be correctProcedure to transfer PF onlineNow we know that PF transfer can be made online and above criteria need to be fulfilled. Let us understand the procedure step by step with the help of screenshots:Step 1Login to Unified portal (member interface) by using your credentials i.e., UAN number and passwordStep 2After login, click on ‘One Member – One EPF Account (Transfer Request)’ under Online ServicesStep 3Verify personal information and PF account for present employment:Step 4PF account details of previous employment would appear on clicking on ‘Get details’ below.Step 5You have the option of choosing either your previous employer or current employer for attesting the claim form based on the availability of authorized signatory holding DSC. Choose either of the employers and provide member id/UAN:Step 6In the next step, click on ‘Get OTP’ to receive OTP to UAN registered mobile number and enter the OTP and click on submit.The employer will digitally approve your EPF transfer request by accessing employer interface of the unified portalFill up form 13 with details including PF number from both previous and current employer and download the transfer claim (pdf format). Submit the physical signed copy of the online PF transfer claim form to the selected employer within a period of 10 days.You can apply for an attractive offer with best possible Rate of Interest and Terms for Personal Loan, Business Loan, Home Loan and Car Refinance Loan.FundsTiger is an Online Lending Marketplace where you can avail fast and easy Home, Business and Personal Loans via 30+ Banks and NBFCs at best possible rates. We will also help you to improve your Credit Score. 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