2013-2025 Form

Convert your bank savings account into an NRO accountWhy: Because the Reserve Bank of India says so in its circular: RBI/2007-2008/242 Master Circular No. 03 /2007- 08.What is an NRO account: An NRO account is like your regular bank savings account but has certain restrictions. In this account you can deposit your rupee earnings from India such as rent, interest, dividends etc. You can also deposit funds from abroad that are in the form of freely convertible foreign currency. You can issue cheques for all local payments, EMIs or investments through this account.Repatriation: You can repatriate (that is transfer to a bank account outside India) all current income such as rent, interest, dividends etc that you earned in India. Apart from that, if you made any capital account transactions like sale of property or investments, and if you got the sale proceeds in the NRO account, you can repatriate up to $1 million per calendar year. However, you would need to produce a certificate from your chartered accountant declaring that all taxes on the funds have been paid. Only then will the banker permit the repatriation.Interest rates and taxabilityInterest rates and taxability: The interest will be the similar to the interest on a regular savings bank account, that is, around 3%. The interest will be taxable and tax will be deducted at source at the rate of 30.9%.How to convert: Visit your bank branch and fill up the required forms. You would need to submit two photographs, a copy of your passport and copy of your visa.Already moved abroad? If you have already moved abroad without completing this formality, you can get copies of all your documents attested by the Indian Embassy or Notary and send them to the branch.2. Close your existing demat account, open an NRO demat account and open a new demat under PINSWhy: Sandeep Shanbhag, Director, Wonderland Investments and an expert on NRI matters explains, "An NRI has certain restrictions when it comes to investing in Indian equities. For instance, an NRI cannot invest more than 5% in the paid up capital of an Indian company. In order to keep track of these restrictions, the RBI requires you to make these changes in your demat accounts."For your existing shares: As an NRI you cannot continue to operate your regular demat account. Your existing demat account, which holds shares that you purchased while you were a resident Indian, will have to be closed and you would need to transfer the shares to an NRO demat account.You can continue to hold these shares or sell them. If you sell them, the proceeds are credited to the NRO savings account and there are restrictions on repatriation. That is, you can repatriate up to USD 1 million per calendar year (including all other capital account remittances) but you would need a certificate from your chartered accountant as mentioned earlier.For buying shares as an NRIFor buying shares as an NRI: If you want to buy shares as an NRI, you would need to open a demat account under the Portfolio Investment Scheme (PINS). In this demat, you can buy shares with funds in your NRE account and sale proceeds can be credited to NRE account for repatriation. If you choose to buy the shares on non-repatriable basis, then, the proceeds will be credited to the NRO account.You must maintain two separate demat accounts for repatriable and non-repatriable shares. Recently, the RBI also specified that an NRE must have a separate account linked to the PINS demat account. It cannot be the NRO or NRE account through which other routine transactions are conducted. Once you become a resident again, you must close the PINS account.How to do this: Your demat service provider will be able to help you with all of the above. You would need to submit documents such as passport and visa to do the same.3. Give power of attorney to someone in IndiaWhy: It is just operationally easier if you have someone you trust manage your bank accounts and other financial transactions for you.What transactions are covered: A power of attorney can be given to mange almost all your financial matters including operating bank accounts, buying and selling real estate, renting out your property, signing your tax forms, issuing cheques from your account etc.What is not covered: A POA holder cannot open bank accounts on your behalf. He can only operate bank accounts once they are opened. Further, according to RBI's circular RB/2004-05/394 A.P. (DIR Series) Circular No. 37 a resident holder of POA cannot repatriate funds outside of India. He can only repatriate funds to the foreign bank account of the account holder.How to make a power of attorneyHow to make a power of attorney: The operational word here is 'trust'. Remember that power of attorney is like giving someone the key to your locker. So only assign it to someone you trust completely. Having said that, there are two types of power of attorneys: a general POA and a specific POA. A generally power of attorney gives sweeping rights to the holder to conduct a broad number of transactions on your behalf, such as banking transactions, real estate transactions.The specific power of attorney is more restrictive in that each power of attorney defines a specific scope such as power to rent property, power to issue cheques on your behalf etc., thus implying greater safety. Make sure you contact a lawyer to do this the right way. Submit attested copies to the concerned service providers such as mutual fund house or bank.4. Open an NRE account if you may have substantial repatriation requirementsWhy: Because an NRE account can offer certain benefits over the NRO account for those who might have repatriation requirements. While it is possible to open an NRE account even from abroad, it is operationally difficult. So you may as well open it before you leave.What is an NRE Account: You can open an NRE savings account, current account or fixed deposit. You can deposit your funds from abroad into NRE savings accounts. You cannot deposit local earnings like rent, interest, dividends into this account but you can use NRE funds for making local rupee payments. You can also use these funds for investment purposes, the sale considerations of which you want to repatriate.RepatriationRepatriation: You can repatriate any amount of any kind from the NRE accounts. There is no restriction, ceiling or chartered accountant certificate needed.Interest rates and taxability: On your NRE savings account you can earn an interest of around 3% while on the NRE fixed deposit, you can earn between 2-4% depending on the tenure. Interest on NRE accounts, whether savings or fixed deposit, is tax free.How to open: The procedure is the same as with NRO accountAlready moved abroad: Again, follow the same procedure as with NRO account.For any Legal and Accounting support, Happy to help you, let us talk at Wazzeer.com

Note: I am not an attorney. Even if I were an attorney, I am not your attorney. This is merely the opinion of a fairly savvy Citizen. It is not legal advice. If you want legal advice hire an actual attorney. In the U.S.A. "signing" something like a Power of Attorney electronically is generally not enforcable* because many (most?) Courts require that the authorizing of them usually requires a "wet" signature which has been signNowd. You could try it but, because they are such powerful documents, almost any court (or business for that matter) will require that the signature be signNowd before allowing them to be enforced and used.In fact many businesses simply have a policy of not recognizing them without a confirming court order as well. This is especially true in health care.This is mainly because the business wants to make damned sure that any liability for errors or misunderstandings lies with someone other than the business. *Note that "not enforcable" =/= "illegal" (or even sick hawk).There's no law preventing you from doing it.  It's just completely pointless; because if you complete the Power of Attorney electronically anybody who knows anything about law or contracts or fiduciary duty will simply ignore it... along with any instructions you might try to give them under it.Do yourself a favor by getting an attorney and doing it right.

In California A Power of Attorney does not require notarization unless the document to be signed by the individual holding the power itself requires notarization, for example documents affecting a transfer or encumbrance of real property. As a small business attorney I routinely prepare Limited Powers of all accomplished through email which allow me to accomplish specific tasks on the half of a client.  Granting of even Limited Powers of Attorney necessarily involve a great deal of trust, and a customer should be wary of signing such a document. Peter, Oakland, California small business attorney. Not offer or intended as legal advice.

Well, personality-wise, Ashcroft was one of only two members of the Bush administration that I had any respect for. The other was Colin Powell, but he lost most of that respect when he gave that one speech to the UN. I also have more respect for Ashcroft than I do for Sessions. That said, I did vote for a dead guy over Ashcroft. (Long story, but you can most likely find it on Ashcroft's Wikipedia page.) Ashcroft isn't my favorite person, but I would say that, unlike the rest of the Bush administration (Powell aside), he did have more moral worth than your average houseplant. I would say Sessions has exactly as much moral worth as your average houseplant, and I'd rather have a houseplant than Sessions for Attorney General.

Because psychiatrists simply are legally allowed to determine if someone meets the criteria to be legally detained against their will.However a psychiatrist can only claim someone meets the criteria, for up to 72 hours( in California, differs from state to state, country to country). When that time is up, the patient has a legal right to contest being detained any longer. The psychiatrist states his or her case in front of a judge and the patient does the same( the patient is entitled to be represented by a public defender or some other adult advocate of their choosing. I personally, usually speak for myself to the judge or I dont even try to get out because I'm not really understandung the situation or am scared). The judge listens to the psychiatrist’s reasoning to keep the patient further detained against their will and the patient can argue why they should be let go . Some patients win, some lose. Some patients don't want to or can't speak up because they are afraid or don't understand the situation and the proceedings, and don't even want someone else to advocate for them. There is a big fear that if you oppose a psychiatrist and you lose, that the psychiatrist might decide to keep you even longer and make your time there more miserable , sometimes drug you more heavily( but again, if you don't want the drugs, the psychiatrist would have to argue his case in front of a judge, until the psychiatrist wins his case to drug you, you have acright to refuse medications, unless they are given in what is called an “emergent stuations” where the psychiatrist claim you absolutely had to have drugs for safety and there was no time to get legal permission). Some psychiatrists truly believe that keeping someone against their will is helpful( for the patient, but often for the sake of other's) , and other psychiatrists don't. It's unusual though, that a psychiatrist would keep a patient against their will if they don't clearly believe it's necessary for safety reasons, because most hospitals( except for private , expensive hospitals) try to get patients out ASAP in order to make room for new patients. If the patient's insurance is good and willing to pay the hospital a lot for a long time, the hospital may try to keep a patient longer, rather than shorter.But legally speaking, patients have rights to contest being held. Unfortunately many patients don't know or understand this .It is legally mandatory for the contact information of a “patients advocate”to be listed in a public and visible place on the ward and a patient must be given the means to contact this advocate and have the advocate visit and explain the patient their rights and options. Often patients don't notice this contact info or they do , but have no clue what it's for or that they are allowed call. The staff do little to nothing to clarify the “patients rights advocates” existence or purpose nor do they encourage patients to make a call . Phone acces is a right for patients, but staff often find a way to suspend that right which they conveniently call a “privilige”, they might just even unhook the receiver from the wall mounted phone and declare that it's broken or it can't be there ( or anywhere) because one of the patients keeps yelling on the phone, so nobody gets the phone…It's also mandatory to have written information regarding all patient's rights provided to all patients on the ward.It's also standard practice that after being detained for 72 hours and the psychiatrist wants to keep the patient longer ( putting the patient on a 5250=14 day hold, for example), that a public defender automaticaly comes on the ward to find the patient and speak to them and advise them of their rights and options to contest being held any longer. The public defender theoretically reveives a list of names of patients who the psychiatrist wants to keep for an extended stay, and then the PD seeks out the people on the list. But I know that sometines some names that should be on that list have conveniently been “ forgotten” to be mentioned. I have a friend who is a PD who does this work and she has made me aware of this. And if a patient misses seeing the PD that time, there is nothing they can do but wait a few days untill the PD comes back to the ward for other patients.It can all be very intimidating, and some public defenders are competent and others not so much. In my experience here, I have found that judges have been very reasonable people( maybe that's just something I've been lucky with so far). I have lost some cases , and had to stay longer and I've also lost hearings to get drugged against my will, but once I asked the judge to grant me 24 hours to convince the doctor to change their mind before making things official and I succeeded as far as the drugging went, but not as far as the longer stay was concerned.You have rights as patient, don't let anyone tell you otherwise.

I was selected for a summer internship 2016.I tried to be very open while filling the preference form: I choose many products as my favorite products and I said I'm open about the team I want to join.I even was very open in the  location and start date to get host matching interviews (I negotiated the start date in the interview until both me and my host were happy.) You could ask your recruiter to review your form (there are very cool and could help you a lot since they have a bigger experience).Do a search on the potential team.Before the interviews,  try to find smart question that you are going to ask for the potential host (do a search on the team  to find nice and deep questions to impress your host). Prepare well your resume.You are very likely not going to get algorithm/data structure questions like in the first round. It's going to be just some friendly chat if you are lucky. If your potential team is working on something like machine learning, expect that  they are going to ask you questions about machine learning, courses related to machine learning you have and relevant experience (projects, internship). Of course you have to study that before the interview. Take as long time as you need if you feel rusty. It takes some time to get ready for the host matching (it's less than the technical interview)  but it's worth it of course.

Broadly saying about GPA (General Power of Attorney) is the authority given to other person to do some legal work on behalf/absence of principle person. Whereas Sale Deed is the Transfer Deed of the Land or Property to be signed after completion of total transaction ie. Payment, transfer of possession, & other issues regarding sale deed. Here both the documents (GPA & Sale Deed) must be registered in court. There are Lacs of people living in illegal colonies. These all colonies are authorised very soon. This is the best time to invest, once these all colonies are authorised, price going hire. The Delhi government has lifted the ban on registration of property.

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