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FAQs
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Do you believe Kejriwal's allegation of EVM tampering to be true after the MCD election results?
BJP is on a roll and AAP on a reverse roll.The public voted against AAP in anger towards their ambition in having a finger in every pie while not acknowledging that the Delhi pie was getting out of their hand and the very electorate that had brought them in was now turning against them - in part for unfulfilled promises, in part for disgust at the electioneering strategy which was aimed more at Modi mudslinging while it could have been more positive, in greater part in the 'belief' that a vote for BJP is a vote for Modi.As though Modi is '42′ - the answer to every question.So, No. EVMs were not tampered with.AAP did not make the cut. The sooner they face the truth, the better for them.Do I believe the tampering allegations? No. Not until they can accept the challenge and prove that they have a point.Until then, I shall go with...AAP lost because people didn't vote for them.AAP lost because they lost focus.AAP lost despite the fact that BJP MCD has been screwing up Delhi for a decade.AAP lost because they didn't leave Modi out of their negative campaign.AAP lost because they could have shown the faces of the current MCD.AAP lost despite an inept Manoj Tiwari heading an incoherent Delhi front.AAP lost a battle because it didn't sufficiently work on the war it had won.AAP lost due to its battle against the media.To cut a long story short, AAP lost for every reason other than EVM tampering.This bleat sounds like a kid who has messed up his answer sheet and blames the teacher for his poor marks.
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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 does bitcoin work? Who actually pays for the mining done?
Approximately once every 10 minutes since January 3, 2009 at 18:15:05 UTC, one miner in the world has found/will find a valid Bitcoin block that meets the current difficulty requirements. When that happens, the block reward and the transaction fees will be distributed to the wallet(s) configured by that miner in that block. These two sources make up all of a miner’s income.Block rewards are the only way that new Bitcoins are min[t]ed. The block reward started at 50 BTC/block and halves every 210,000 blocks. This is why the current block reward is 12.5 BTC/block as of Sept 2017.Transaction fees for a block are the sum of the fees paid for all new transactions included in that block. For example, I might send you .5 BTC and specify a fee of .00004 BTC as incentive for miners to include that transaction in their block. The first miner to include that transaction in an accepted block will then earn that .00004 BTC in addition to the block reward and fees from other included transactions.Early on, transaction fees were a negligible source of miner income since there were very few transactions and the block reward was high. However, as the block reward diminishes and the number of transactions grows this trend will reverse and block rewards will become negligible and transaction fees will dominate earnings.Mining pools are another layer on top of this. Instead of the reward and fees going to a single miner, they instead have a number of miners pooling their efforts and splitting the rewards based on that pool's rules. In this way, if it would normally take you 10,000 years on average to find a block by yourself, you can instead join a mining pool and get small fractions of a block reward regularly based on your mining contribution and the pool's rules.Compare that to solo mining without a mining pool, where until you find a valid block you won't get a single Satoshi.
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What is it like to have ADD or ADHD?
Wow. So many awesome answers. I share much of what has already been described:* Brighter than almost everyone around me* Learn new things incredibly fast when engaged* See deeply into problems--develop an abstract understanding of a new area so much faster than others* Very, very good at anticipating problems and making a plan. Very, very bad at executing against it.* Terribly easily distracted, always starting and abandoning projects* Information junky LOVE to learn new things* Incredibly verbal and charming when I want to be. Witty and funny.* Viciously self-critical and sometimes viciously critical of others* Hate to wait, always late, procrastinate.* Finish people's sentences for them* Only care about getting the information I need. Please don't tell me why that task isn't done. I don't care. I asked a yes or no question: Is it done? * Being mistaken for a dick because my irritation over delay and distraction is mistaken for judgment about another's behavior or their output.* C student in high school, didn't graduate college. Sometimes spent more time helping others with their homework than doing my own.* Hated to attend lecture. The information came too slowly. Detested listening to others ask questions of the teacher. Why are they so stupid? This is a waste of my time. Learned on my own time in my own way.* Undisciplined about health. Don't take care of my health for years at a time. Then flip-flop to hyperfocused. Eat carefully, exercise every day, drop 40 pounds or more, then peter out and back to sloth.* No self-control around foods. Can't eat one cookie. The only way I can eat better is to not have the cookies around.* Tried drugs as a teenager but didn't like them. I literally didn't get what others thought was exciting about being drunk or stoned. Would 100X rather waste time reading a fascinating history book or playing a strategy game than feel impaired.* TV calms me if it is engaging. Enrages me when it isn't. Commercials usually make me want to tear my eyes out. Poorly written comedy makes me want to kill somebody. I can more-or-less only watch PBS and cable TV because the programs are commercial free. Documentaries are the BOMB. Who knew earth worms were so fascinating? And I feel so much calmer while I watch...* Radio calms me if it is engaging, Enrages me when it isn't. The increased volume of radio commercials and makes me want to firebomb car dealers and other radio advertisers. I am engaged only when I get a constant stream of just the right music or engaging information from people I respect. I can pretty much only listen to PBS and internet radio today.* Movies often bore me, unless they hit the right psychological note. Can't stand to watch shoot-em-ups, blow-em-ups, superpower-them-ups, hack-em-ups. Have to watch movies that show me nuance and psychological realities. When I do have to watch silly movies with my children, have to analyze the symbolism to death. * Always felt different. Always knew there was something wrong with me. Always felt lonely. Couldn't put my finger on the problem with me.* Couldn't achieve my potential. Couldn't even come close.* Verbally Impulsive. Have great trouble concealing a negative emotional reaction.* Will freely express a negative opinion of an idea. Can't understand why that would bother the other person. After all, I was only trying to help improve the idea... * Am not strongly attached to my own ideas. They come and go fast anyways. If you shoot it down, I'll go back to the drawing board and comeback with another.* Consistently underestimate the time I need to complete tasks.The only real thing I can add to what others have written is the depression and self-doubt. If you allow it to get to you, it can be so demoralizing to lose your wallet, phone or keys every morning. To once again leave the house without remembering that form you were supposed to return to the kids school. It sucks to constantly feel you are disappointing others. It sucks to feel you don't know how to love other people because your attention wanders the moment their needs don't require your focused attention. It sucks to know you set a bad example for your children. It sucks to know in the moment you are becoming obsessed over something inconsequential and have pursued it far beyond the point of behaving productively. It sucks to feel that you are self-centered because your need to have your anxiety reassured is so important you often can't suspend it when you should.ADD is the best of times and the worst of times. Sometimes I feel so powerful because it is so easy to put that blowhard in his place by pointing out the myriad flaws in his argument. Sometimes I feel so self-confident because I don't give a fuck what people think of me so I can say what I want. Sometimes I feel so awesome because I can do things with my brain others find incredible. Sometimes I feel hopeless because I can't get up off the couch to do the simple things that must get done today.
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Why haven't we sent a robotic rock/soil sample return mission to Mars yet?
Money. Commitment. Confidence. Lack of those three.It is currently the highest priority planetary science objective, but it is expensive and risky. There have been plans since the 60's for a Mars Sample Return (MSR) mission, as it's called, but nothing has launched. It got close by 1999 with an MSR project underway with planned launches in 2003 and 2005, but that incarnation was cancelled after the MCO and MPL failures in 1999. Those failures demolished our confidence in taking on the complexity of MSR. We have since rebuilt our capability and confidence in operations at Mars with several successful missions, so at least that part should not be standing in the way of MSR. What's left is the money and commitment. It's a lot of money, and NASA would have to remain committed to the objective over a few administrations.We may be on our way to clearing those hurdles. The first leg of MSR is now a pretty serious project, having just completed its Preliminary Design Review. It is called Mars 2020 (launching in 2020, hence the name). Mars 2020 will send a large Curiosity-class rover to select and acquire rock cores and soil samples for later return. Two follow-on missions in, hopefully, the 2020's will launch those samples into Mars orbit and then bring those samples from Mars orbit to Earth. If all goes well, we could have selected samples from Mars on Earth by the end of the next decade.
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What was the most important lesson you learned from your father?
Oh my. Well, for my entire life from the age of 3-years-old until I was 46-years-old I carried a mixture of hatred, terror and anger towards my father. He wasn’t a very nice man when he was in our lives (viciously abusive - drugs/alcohol) and my parents finally divorced. I refused to see him whatsoever after that. I hated him and termed him the “Sperm Donor”. It is odd though that no matter where I went - even moved to Florida - he ALWAYS knew exactly where I was and would pop up from time-to-time where I was. It always startled and confused me when he did. I never really thought much about that fact until much later. I mention it because it’s important to the end.I grew up - he grew old - he was in jail, again, and this time he was going to be there for 7-years. I had to visit him just as he was arrested and tell him his older brother was in hospice and not expected to live for much longer. He had brain and lung cancer and I didn’t want him to find out his brother was dying/dead after the fact or from the newspaper. I bit the bullet and visited him in jail to tell him. Seeing him broken, bruised and old affected me in a way I did not expect - instead of feeling utter hatred and fear from him? I felt empathy for the first time and the old terror dissipated completely. I realized he no longer had the capability to hurt me in any way, shape or form and therefore I no longer had anything to be fearful of.I didn’t go see him after that one time, it really hit me hard and I needed time to sort through all the new things I was feeling. I did, however, monitor his sentence and jail time via my now ex-boyfriend who worked within that jail. I would make sure my father had money in his canteen and was getting the right medical care (he had a very bad heart and neck issues). But I didn’t want him knowing where the money was coming from and I didn’t want him knowing that I was looking out for him from the outside.Funny, the timing of this question. So, that went on for 6-years, one day I came home from work and I saw his handwriting on an envelope in my mailbox. I didn’t need to look at the return address because I instantly knew it was from him. I stood there with it in my hand and I just didn’t want to open it. I didn’t … I wanted to ignore it and go back to my life. But something inside of me wouldn’t allow that and I opened that letter on the Wednesday before Easter of 2014. I read his words and for the first time I felt something other than fear/anger; I felt sorrow and regret and I felt him signNowing out to me for forgiveness. He didn’t so much as ask for forgiveness as he did ask for a hand up. I felt compelled to go see him as he asked me to. He was now in a half-way house before he was to be released. Now, I knew he NEEDED me - I did - in the past I might have gotten a small thrill knowing/feeling he needed me and I could turn my back on him and not help. But? It wasn’t like that for me this time.I went to visit him on Easter morning … and I will never forget the look on his face when I appeared before him. It was one of shock, surprise and joy and it startled me. We didn’t hug or touch or anything - both were somewhat skeptical of each other I think. I will also NEVER forget the first real sentence he said to me once I went into his room and sat down, “Tammy, please tell me everything about your life from the time I left when you were 5-years-old until now. I want to know everything.”(I’m crying as I type this…this is a hard memory for me especially because today is Easter.)That sentence felt like a complete and utter donkey kick to my psyche and my heart. For a brief instant I felt anger starting and I wanted to lash out at him for how much I struggled through life and for all of the damage he had done to me as a child. But? I didn’t. I told him everything, absolutely everything and I let it all out. I tried not to focus too much on his abuse of me and just give the bare bone facts of what my life was like being left behind with my ‘crazy’ mother. How I had to take care of her and my brother from the time I have memory. How I couldn’t take the abuse anymore from my mother and fought back at 15-years-old and kicked her off of me across the floor. She threw me out of the house for that. How I had NO ONE from his side ever to help - how I was so scared of being abused in foster care that I decided I was going to live on my own as best as I could. AND? I did. I made my way, on my own and I did it unlike anyone else on either side of my wicked gene line. ON MY OWN … I worked like a dog, managed to get through High School and even managed to get into college, a great college at that (no one on either side of my immediate family had graduated HS never mind went to college and got a degree.) Yadda, yadda, yadda. I laid my entire life out before him and I will never forget the utter sorrow I saw on his face while I was telling him of all of this. Then? He said to me, “Tammy, I cannot believe you went through all of that and I cannot believe you’ve overcome so much. I am sorry. I am sorry!” I forgave him that Easter Sunday morning. For everything…I did it for myself but I did it for him because I felt and knew he wasn’t going to be around for much longer.I agreed to help him - at first I was going to allow him to come from jail to my home and live. I often offer things of myself I know are going to hurt me a lot - but this time I had a therapist who I was very fond of and respected a lot. I told him of what was going on and he said to me, “Tamara, I think you need to rethink allowing your father to move into your home. You do not know him and he is signNowing out to you because he needs something. The cost might be too much for you to handle.” I thought about it and I realized he was right. I told my father I would do everything possible to get him established on the outside again but I could not allow him to move in. I know that hurt him … I couldn’t say it to his face so I wrote him a long letter explaining why. I explained although I forgive him - I cannot forget the scars from the abuse of long ago and since I was struggling from other things at the same time (PTSD break - if that’s what you call it) - I needed my home to remain my ‘safe space’. I picked him up from jail and we immediately found housing. I got him medical coverage and we learned he had lung cancer as well as a heart that had already had multiple heart attacks. He was barely able to walk for long distances due to breathing issues too and a neck that was so fragile that if he had fallen he would have become a paraplegic. I took him to all of his doctor’s appointments, MAKING sure he went, even when I had to threaten him to get him to go.Sorry I am rambling, any way … during that final year of his life I learned so much about why my father was the way he was towards me and my mother. I learned things about my mother that made me want to vomit and I learned things about my family I really didn’t want to know. I didn’t think it could get any worse, oh but it did. I know he was NOT lying to make himself look better because he owned all he had done to me. But now I had a reason as to why he ‘hated’ me. He never hated me … he repeatedly told me I was very, very wanted and very, very loved but admitted he was just never meant to be a father or a husband. He also told me he tried over and over again to see us kids but my mother and her mother prevented him from it. My mother would tell my little brother, who idolized our absent father, that he was coming to take him for the weekend (I would refuse to go) and my brother would get excited, pack his little suitcase and sit on the front porch waiting for him. I would sit beside him waiting with him. It would KILL me every effing time when our father never showed and I had to see my little brother’s heartbreak in front of me. I learned that my mother would tell my father to come get him … then she’d go to the police station and take out another Restraining Order against him preventing him from coming near us. She never told us this … of course she wouldn’t … eventually my father explained he just gave up because it was easier.I am sorry this is running so long but I do have a point. My entire life I hated myself, I hated seeing myself in the mirror and I hated seeing myself period. Because I am a spitting image of my father, if I were a boy I’d literally be his doppelganger. Getting to know my father as a man, a man who was wounded himself, I began to see how much of him I carried and where my traits come from. My independence, my work ethic, my innate street smarts, my drive to better myself financially and overcome being born into poverty and growing up on welfare (him through crime - me through hard work and multiple jobs). I saw that I literally am my father’s daughter in so many ways that weren’t BAD or criminal or abusive. I got his sense of humor, his quick wit, his ability to go anywhere and immediately fit right in, his refusal to accept no as an answer when there is a yes somewhere to be found.I learned to love myself, forgive and love my father in his last year of life and I wouldn’t have had any of that if I had done what my first instinct was to do: ignore and keep moving away. But the ONE thing I learned from my father was: “never give up and never stop fighting!”
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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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