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Payoff.com is a social finance platform enabling communities to fulfill their individual and collective dreams. We launched public beta in January 2011 and have collected 1,000+ dreams, of which over 90% are related to money. Payoff helps people fund their dreams and signNow their goals, like saving for a house or vacation, adopting a child, paying off credit cards, and starting a business, in addition to connecting them with other people working towards the same things. The current product enables users to share their dreams, set up goals, link and track financial accounts, earn badges, and receive cash Sur-Prizes for progress. We provide tools from top-quality partners, as well as educational content to help move users to action and success. Ultimately, we provide a more intuitive way for users to understand how they are spending their life -- it’s not about the dollars, but it’s about the positive use of money, time, talent, and charity. We aim to own dreams and achievement on the web.  Payoff will create meaningful social connections and dialogue through dreams, goals, implicit communities based on personal transactions (the “real-life check-in”), and our partners.  In addition, our relevance and recommendation engine is guided by a Science Advisory Board, with leaders from Cal-Tech, USC, and Northwestern. We recognize that achievement and financial behavior, like most decisions, is driven by emotions, not budgets and lists, and we are signNowing people in this emotional space. One user told us, “I feel more encouragement from these badges than I think you will ever know.  I'm not the most emotional person but I have been so poor for most of my adult life trying to get through school that the day  [the] "STASH" badge was awarded to me I cried!” Payoff is founded by Scott Saunders (Walz Group, Inc 500) and Eden Warner (pre-revenue to profitability CFO at Fandango), along with folks from Yahoo! and SpotRunner. You can view a video about us at and contact us at scott@payoff.com. Also, check out what folks are saying: AOL WalletPop: http://www.walletpop.com/2011/01...Business Insider: http://www.businessinsider.com/p...U.S. News Money: http://money.usnews.com/money/bl...

I'm a hacker who served 4.5 months of a 9 month sentence 5 years ago. I was in two jails in that time, spending the majority of the time in the second, lower security place. The experience totally changed me, but in a positive way.First of all, I actually had a lot of fun in jail. My education made certain aspects of the prison system very easy for me to navigate, such as legal documentation and debating with guards. My ability to mend broken electronics very quickly became known. These things made me feel very safe, since people were actively protecting me. It also made me feel quite important in the community.It started when someone came to me and asked what I knew about mending mobile phones. In UK jails, many people have mobiles, usually obtained by over-the-fence smuggling. Pay-as-you-go credit vouchers are a major form of currency. This guy was very important on the wing - he had a crew of other guys who walked around with him and people often came to pay him. I said I knew enough about phones, and what did he want? He explained that someone had owed him money but couldn't pay. He'd taken the guy's phone as payment, but the phone was pin-locked and he couldn't get in. The phone was an old Samsung, one which I knew (having previously owned one) didn't impose any limit on the number of pin attempts. So I told the guy: yeah, I know a few tricks. But I need to get my tools out so I'll do it overnight. (Note: I didn't have any tools). The guy left me with the phone overnight, and I sat up through the night to try all 10,000 possible 4-digit combinations. Thankfully, the correct code turned up in the mid 2000s. So the next day this guy turned up and was amazed that I had figured out the code. He went round telling everyone that I was some tech wizard and that people should always come to me with their problems. In return for the job he arranged for me to have a Playstation 2 in my cell for two weeks, and to get access to a phone whenever I wanted. For the rest of my time, people would bring me trivially broken electronics and I would retire for the evening to make it out like I was doing something difficult, then return the fixed item the next day. It massively increased my quality of life in there.Secondly, it opened my eyes to how people less fortunate than me live their lives, and how terrible the prison system is for most people. Many, many people in jail were severely mentally ill. There was no support for them. Some were killed in jail, either by inmates or staff, because they flipped out and people got scared. Another large group of people were hopelessly addicted to very harmful drugs. People who exploited this group were the most powerful - they would have drugs smuggled in, then build an army of addicts who would do their bidding to get the next fix. It was a really explosive situation. Almost every act of violence was drug debt related. Immigrants were completely screwed in jail, because there was no way for them to navigate the bureaucracy. I helped several people avoid deportation, including one cell-mate who had a hit contract out on him in Jamaica because he defended his business when yardies tried to extort him. He couldn't read or write, so he couldn't fill out the asylum application. His patois was so strong that his lawyer couldn't really understand what he said, and the border agency was going to send him back to Jamaica to be killed. I wrote letters to the border agency, the prison governor and the home secretary and he was granted asylum and an interpreter was arranged so that his legal visits would be more productive. Hundreds of others in similar situations go without that help every year.Thirdly, I saw some horrible things. For example: 'syruping' - when someone mixes sugar into a bucket of boiling water and dumps it on someone's face. The dissolved sugar makes the boiling water cling to the skin longer, and the skin peels off leaving the raw flesh exposed. I also saw someone held down by four guys, who performed anal surgery on him with a sharpened spoon to extract drugs he was hiding. He later maimed all four of his assailants, stabbing them in the neck with a pen (saw that too). Another was a guy who was clearly paranoid schizophrenic. His cell was opposite mine. He started screaming one night and barricaded himself in. He then stripped off and covered himself with baby oil, and started setting fire to his cell. The guards came in riot gear to tackle him, but he was so slippery it was like trying to catch an eel. He gave them the run around for quite a while before they eventually held him down and injected him* and he was carried away screaming. He died in hospital.Fourthly, I felt so ashamed of myself that I changed my life forever. I was a middle class white kid with a great education who got obsessed with hacking and document security as a teenager and went down for figuring out how to replicate the driving license, thus throwing away many of the advantages that luck, society and my parents had given me. Everyone else in there had no such advantages. Most of them were born to a life where poverty, drugs, violence and lack of education all being concentrated in their environment led to them being systematically channeled into prison. I was there essentially through misplaced intellectual curiosity, while others were there because their lives were so bad out of jail that crime was actually a rational survival choice. Society failed them, while it tried to hold me up with both hands. I was, and am, disgusted with myself. Upon leaving jail I learned programming, worked freelance to pay for my tuition while I got a degree, got a PhD position, and am now working towards spending my life using my skills as efficiently as I can to improve the lives of as many people as possible. If I ever have a lazy moment, I just have to cast my mind back to prison, and the disgust with myself rises up again, and I launch myself back into work with an energy I never knew I had before prison.Finally, I would say that my criminal record has not held me back. I no longer have to legally disclose it**, but when I did I always did so with a letter explaining some of the circumstances and how deeply it had affected my life. I had several positive comments about my disclosure, and I have never been turned down for a job I've applied for. It doesn't have to hold you back - your attitude has to convince a potential employer that your background makes you a great candidate, not a worse one.*This has been corrected: In my haste to write the post I previously wrote that a dart was used, when in fact it was a needle. Thanks to Marty Bee for pointing out that this was not likely.**For those who are curious, a conviction becomes 'spent' in the UK after a certain time. The times were recently reduced in a little publicised law (Legal Aid, Sentencing and Punishment of Offenders Act 2012), so my conviction was 'spent' after 48 months.

I want to believe that most banks nowadays have made the process of opening bank account, which used to be cumbersome, less cumbersome. All you need to do is to approach the bank, collect the form, and fill. However if you have any difficulty in filling it, you can always call on one of the banks rep to help you out.

Hi!IIFT MBA (IB) Application Form 2018 – The last date to submit the Application Form of IIFT 2018 has been extended. As per the initial notice, the last date to submit the application form was September 08, 2017. However, now the candidates may submit it untill September 15, 2017. The exam date for IIFT 2018 has also been shifted to December 03, 2017. The candidates will only be issued the admit card, if they will submit IIFT application form and fee in the prescribed format. Before filling the IIFT application form, the candidates must check the eligibility criteria because ineligible candidates will not be granted admission. The application fee for candidates is Rs. 1550, however, the candidates belonging to SC/STPWD category only need to pay Rs. 775. Check procedure to submit IIFT Application Form 2018, fee details and more information from the article below.Latest – Last date to submit IIFT application form extended until September 15, 2017.IIFT 2018 Application FormThe application form of IIFT MBA 2018 has only be released online, on http://tedu.iift.ac.in. The candidates must submit it before the laps of the deadline, which can be checked from the table below.Application form released onJuly 25, 2017Last date to submit Application form(for national candidates)September 08, 2017 September 15, 2017Last date to submit the application form(by Foreign National and NRI)February 15, 2018IIFT MBA IB entrance exam will be held onNovember 26, 2017 December 03, 2017IIFT 2018 Application FeeThe candidates should take note of the application fee before submitting the application form. The fee amount is as given below and along with it, the medium to submit the fee are also mentioned.Fee amount for IIFT 2018 Application Form is as given below:General/OBC candidatesRs 1550SC/ST/PH candidatesRs 775Foreign National/NRI/Children of NRI candidatesUS$ 80 (INR Rs. 4500)The medium to submit the application fee of IIFT 2018 is as below:Credit CardsDebit Cards (VISA/Master)Demand Draft (DD)Candidates who will submit the application fee via Demand Draft will be required to submit a DD, in favour of Indian Institute of Foreign Trade, payable at New Delhi.Procedure to Submit IIFT MBA Application Form 2018Thank you & Have a nice day! :)

This is a step by step guide to help you fill your JEE (Main) application form online brought to you by Toppr. We intend to help you save time and avoid mistakes so that you can sail through this whole process rather smoothly. In case you have any doubts, please talk to our counselors by first registering at Toppr. JEE Main Application Form is completely online and there is no offline component or downloadable application form. Here are some steps you need to follow:Step 1: Fill the Application FormEnter all the details while filling the Online Application Form and choose a strong password and security question with a relevant answer.After entering the data, an application number will be generated and it will be used to complete the remaining steps. Make sure your note down this number.Once you register, you can use this number and password for further logins. Do not share the login credentials with anyone but make sure you remember them.Step 2: Upload Scanned ImagesThe scanned images of photographs, thumb impression and signature should be in JPG/JPEG format only.While uploading the photograph, signature and thumb impression, please see its preview to check if they have been uploaded correctly.You will be able to modify/correct the particulars before the payment of fees.Step 3: Make The PaymentPayment of the Application Fees for JEE (Main) is through Debit card or Credit Card or E Challan.E-challan has to be downloaded while applying and the payment has to be made in cash at Canara Bank or Syndicate Bank or ICICI bank.After successful payment, you will be able to print the acknowledgment page. In case acknowledgment page is not generated after payment, then the transaction is cancelled and amount will be refunded.Step 4: Selection of Date/SlotIf you have opted for Computer Based Examination of Paper – 1, you should select the date/slot after payment of Examination Fee.If you do not select the date/slot, you will be allotted the date/slot on random basis depending upon availability.In case you feel you are ready to get started with filling the application form, pleaseclick here. Also, if you are in the final stages of your exam preparation process, you can brush up your concepts and solve difficult problems on Toppr.com to improve your accuracy and save time.

The procedure for filling up the CAT Application form is very simple. I’ll try to explain it to you in simple words.I have provided a link below for CAT registration.See, first you have to register, then fill in details in the application form, upload images, pay the registration fee and finally submit the form.Now, to register online, you have to enter details such as your name, date of birth, email id, mobile number and choose your country. You must and must enter your own personal email id and mobile number, as you will receive latest updates on CAT exam through email and SMS only.Submit the registration details, after which an OTP will be sent to the registered email id and mobile number.Once the registration part is over, you will get the Login credentials.Next, you need to fill in your personal details, academic details, work experience details, etc.Upload scanned images of your photograph, and signature as per the specifications.Pay the registration fee, which is Rs. 950 for SC/ST/PWD category candidates and Rs. 1900 for all other categories by online mode (Credit Card/ Debit Card/ Net Banking).Final step - Submit the form and do not forget to take the print out of the application form. if not print out then atleast save it somewhere.CAT 2018 Registration (Started): Date, Fees, CAT 2018 Online Application iimcat.ac.in

CHECK-LIST FOR FILLING-UP CPT JUNE - 2017 EXAMINATION APPLICATION FORM1 - BEFORE FILLING UP THE FORM, PLEASE DETERMINE YOUR ELIGIBILITY AS PER DETAILS GIVEN AT PARA 1.3 (IGNORE FILLING UP THE FORM IN CASE YOU DO NOT COMPLY WITH THE ELIGIBILITY REQUIREMENTS).2 - ENSURE THAT ALL COLUMNS OF THE FORM ARE FILLED UP/SELECTED CORRECTLY AND ARE CORRECTLY APPEARING IN THE PDF.3 - CENTRE IS SELECTED CORRECTLY AND IS CORRECTLY APPEARING IN THE PDF. (FOR REFERENCE SEE APPENDIX-A).4 - MEDIUM OF THE EXAMINATION IS SELECTED CORRECTLY AND IS CORRECTLY APPEARING IN THE PDF.5 - THE SCANNED COPY OF THE DECLARATION UPLOADED PERTAINS TO THE CURRENT EXAM CYCLE.6 - ENSURE THAT PHOTOGRAPHS AND SIGNATURES HAVE BEEN AFFIXED (If the same are not appearing in the pdf) AT APPROPRIATE COLUMNS OF THE PRINTOUT OF THE EXAM FORM.7 - ADDRESS HAS BEEN RECORDED CORRECTLY AND IS CORRECTLY APPEARING IN THE PDF.8 - IN CASE THE PDF IS NOT CONTAINING THE PHOTO/SIGNATURE THEN CANDIDATE HAS TO GET THE DECLARATION SIGNED AND PDF IS GOT ATTESTED.9 - RETAIN A COPY OF THE PDF/FILLED-IN FORM FOR YOUR FUTURE REFERENCE.10 - IN CASE THE PHOTO/SIGN IS NOT APPEARING IN THE PDF, PLEASE TAKE ATTESTATIONS AND SEND THE PDF (PRINT OUT) OF THE ONLINE SUMBITTED EXAMINATION APPLICATION BY SPEED POST/REGISTERED POST ONLY.11 - KEEP IN SAFE CUSTODY THE SPEED POST/REGISTERED POST RECEIPT ISSUED BY POSTAL AUTHORITY FOR SENDING THE PDF (PRINT OUT) OF THE ONLINE SUMBITTED EXAMINATION APPLICATION FORM TO THE INSTITUTE/ RECEIPT ISSUED BY ICAI IN CASE THE APPLICATION IS DEPOSITED BY HAND.Regards,Scholar For CA089773 13131Like us on facebookScholar for ca,cma,cs https://m.facebook.com/scholarca...Sambamurthy Nagar, 5th Street, Kakinada, Andhra Pradesh 533003https://g.co/kgs/VaK6g0

The application form for Assam CEE 2018 has been released on 1st March 2018.The last date for submission of the same is 20th March 2018.Filling up the Application FormAll information submitted must be valid and as per the documents possessed by the candidates.Uploading of Scanned DocumentsThe documents have to be uploaded according to the specifications mentioned by the DTE.Submission of Filled Application FormThe e-challan will be generated after the application form is successfully submitted.Payment of Application FeesThe candidates will be able to pay the required application fees of Rs. 600 through online (net banking/credit card/debit card) or offline mode (e-challan).For more information, visit this site: Assam CEE 2018 Application Form Released - Apply Now!

After the increase in the Consumer Price Index, OAS benefit amounts will increase by 1.0% for the July to September 2019 quarter. Guaranteed Income Supplement (GIS) amounts for individuals receiving a full Old Age Security (OAS) pension.

As a general rule, if you live beyond the age of 72, you'll be better off waiting until 65 to begin collecting your CPP rather than taking it early.

You must submit an application to Service Canada to start your monthly pension. Before you can apply for CPP, it must be at least a month after your 59th birthday. You must also have made at least one contribution to the CPP and want to start your CPP within 11 months.

To apply for your Canada Pension Plan (CPP) retirement pension online, you must sign in to your My Service Canada Account and submit your application online. If you have not yet registered for a Service Canada Account, you will require a Personal Access Code.

You can apply online on the Service Canada website. Applying online happens in two steps. First, you must complete and submit your online application. ... You can print and complete the CPP retirement pension application Form ISP1000 and mail it to Service Canada.