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I am an Indian citizen and living in India, but I'm employed by a US company working remotely from India, earning a salary in USD. What should I know about filing a tax return in India?So even if you are employed by an US company, for the purpose of income tax laws, you are an Indian resident, your global income is taxable in India. To say it in simple terms, it is no different then you being employed by an Indian Company. In case your total income before deduction is above 2.5 lacs, you are required to file an income tax return. The due date for the current year is extended till 31st August otherwise it is normally 31st July of the following year of the financial year. Moreover since the tax might have been deducted by the US company from your salary, you may get a credit for such tax paid by your US employer against your Indian income tax liability. As far as Indian tax liability is concerned, you have to discharge this by way of advance tax in case the credit available in respect of tax deducted by your US employer is not sufficient. In case you have not been able to pay your advance tax, the same can be paid by way of self assessment tax. For delay or default in payment of advance tax, read the below article written by me.What if you have failed to pay advance tax? You can avail other tax deduction under Section 80 C, 80 D, 80 E in case you have taken education loan etc. In case you want to need clarification on any specific issue, please ask specific question as the area of income tax very wide and one is not able to under stand it fully even one signNowes grave.
How did your UPSC CSE DAF look like?Detailed Application Form (DAF) is filled after clearing preliminary stage of Civil Services Exam.I was clueless about how to go around filling it, and had effectively no one to turn to. Thankfully there were tons of pointers and actual DAFs available on Quora. Hope this helps anyone else stumbling their way through the process :)This is two page summary that is usually with the board. The service preferences were asked for after mains result, as an addendum.These major subheadings that you need to fill in can possibly determine your interview in entirety. If you read my interview transcript here, 90% of my questions originated from DAF. I could have anticipated and prepared for most of such questions.These are broadly what is important in DAF:Prizes, Medals, ScholarshipsSports/NCCPositions of LeadershipExtracurricular activities, interests and hobbiesEducational detailsEmployment detailsAll of these holistically come together to define you for the board. It is therefore important to put the best version of yourself you can, on paper. Some pointers:Do not to lie on the DAF. It’s easier to figure out than you think.Prizes, sports and leadership positions are to be filled in for college/university level only. Do not put class 10th chess championship here :)Leave the space blank if you didn’t do anything in that particular field (prizes, sports, leadership). Have a reasonable answer to why you did that. The board might not even care to ask.Important: write things in a way that the board WANTS to question you on them. Give them SOMETHING to go on. Leave out a trail of crumbs and hope they follow it. You will then pre-empt a large part of your interview.Re: interests and hobbies. Do not put open-ended ones. Be specific and prepare them thoroughly. For example, one of the interests I had put in was swimming. I was prepared to answer how many individual gold medals Michael Phelps had won in Olympics or 100m freestyle record held by an Indian.Everyone has something that they like doing, if not studying. Drill down to it and write it in way that attracts some questioning. If I were out of ideas, I might have just put - watching animated movies/tv - and then justified as a form of art with an ode to John Lasseter, if questioned.Do not put too much information (I felt I did, after clearing mains and re-looking at my DAF). Put 3 interests max. Try to have a common thread running through your DAF that can define you as a person (I couldn’t as I have done diverse things, smh).Prepare well for every word you have written on the DAF. Obviously, home state, meaning of name, graduation subjects, work experience, et al HAVE to be prepared thoroughly. The board might or might not ask these fairly obvious questions.Double check, then triple check what you have written. You won’t get to make changes if you make a mistake.Circulate it to your friends (non-CSE aspirants will be even better) and ask if they find anything odd. Do this over 3–4 times before you lock down your DAF.Go to the interview with an open mind. Despite what UPSC says, the board can and will judge you on knowledge, especially if it should be something you should have known based on what you have written in DAF (not on bouncer questions, do not be afraid of them).Finally, the personality test is a conversation, at the end of which you will be judged for what you spoke and how you spoke it. Be confident, be polite, be considerate, and above all, be rational.
How should I fill out an employment background check form if I have a criminal history? (The background check is post-offer.)When looking for records on the net try a website such as backgroundtool.com It is both open public and also exclusive information. It will go further than what just one supplier is able to do for you or what yahoo and google might present you with. You have entry to public information, social websites analysis, a all round world wide web research, court public records, criminal offender records, mobile phone data (both open public and exclusive repositories ), driving information and a lot more.How should I fill out an employment background check form if I have a criminal history? (The background check is post-offer.)Understand Employment Background ChecksWhat Is A Background Check? - An Employment Background Check may be best described as an Application Verification. An employment background check allows an employer to verify information provided by an applicant on a resume or job application. Independent sources such as criminal and civil court records, prior employers, educational institutions, and departments of motor vehicles are researched. The information obtained is then compared to the information provided by the applicant and reviewed for any negative material.Most Employers Do Background Checks - Most employers do some form of an employment background check. This can be as simple a reference check, or as in-depth as covering everything from criminal record checks to interviewing friends and neighbors.Why Employers Do Background Checks - Employers conduct background checks to meet regulatory, insurance, and customer requirements; increase applicant and new hire quality; reduce workplace violence; avoid bad publicity; protect against negligent hiring liability; reduce employee dishonesty losses; reduce employee turnover; and hire the right person the first time. An employer has the obligation to provide a safe workplace for employees, customers, and the public. See Why Background Checks?What Do They Look For In A Background Check? - Employers look for discrepancies between an applicant’s claims and what is reported by schools, prior employers, etc. They also look for negative reports such as a bad Driving Record or a Criminal History that would impact the applicant's job qualifications. See What Do Employers Look For in a Background Check?What Is In A Background Check For Employment? - Anything from an applicant's history CAN come up. It depends how detailed the background check is, who conducts the background check, how far back they go, who they talk to, what information they check, and what laws apply in the particular situation. If there are any black marks in an applicant's past, it is pretty hard to keep them a secret. See What Shows Up On A Background Check For Employment?A typical basic background check may include county criminal record checks, a social security number scan, employment history verification, and education verification. Depending on the job, a more complete background check may include common items such as a motor vehicle report, a credit report, license and certification verification, reference checks, a sex offender registry check, or county civil record searches. See Comprehensive Background Check.Your Rights - The FCRA (Fair Credit Reporting Act) is the primary federal law regulating employment background checks. Despite its name the FCRA applies to all employment backgrounds checks conducted by a third party whether they include a credit report or not. See A Summary of Your Rights Under the Fair Credit Reporting Act.In addition to the FCRA, there are many other Federal, State, and Local laws and regulations that may impact a particular employment background check. See Background Check Laws & Regulations.
Are U.S. veterans preferred as an employee compared to their civilian counterparts?These days it is very difficult for an employer, or a business to find conscientious employees. That's a Fact. First-time, wannabe employees don't know how to dress, how to act at interview, and don't even understand the concept of what "Having a job" means. They're just as likely to show up late on their first day, resent receiving instructions, moan & whine, hide from supervisors, and not return after lunch break. They have "reasons" why they have to be "off early" why they can't work certain days, nights or weekends ( when the employer most needs them ) you can almost be sure that they will show up at work "with cell phone in hand" and they feel like they are doing the employer a favor by working for $9 an hour. ( They really expected $15 an hour, a company car, and a "Title worthy of their self-importance" ) Yeah, that's him over there in "Receiving" Sleeping on top of some cardboard boxes...A Veteran, is a different animal all together. From the first day when he showed up, he stood up straight, looked you dead in the eye, and told you he was ready to work. He was clean, straight, sober, squared away, and on time. He's a "Self-Starter" and he's a "Go-Getter". Tell him what you want done & get out of the way. He'll Improvise-Adapt & Overcome. He'll get the job done. No bitching or complaining, Hell, this is the easiest job he's ever had, and he'll go the extra mile for you, just say the word. You know where he is, what he's doing, and he works until quitting time every day. He checks out with you before he leaves of the day, and in the morning, he'll be back, ready to give it 100% again. If you think Employers don't know that, you are sadly mistaken!Sure some jobs ( mostly Federal Jobs ) offer a "Veteran's Preference". However, Employers CAN apply for benefits in the form of tax incentives for hiring Vets, and even MORE if the Vet happens to have a disability. In addition, what employer doesn't want to advertise: "We Hire Veterans" - "Veterans on Staff" or "Our Staff of Military Veterans are Ready to Serve You"... It's just plain good for business, and they know it.So, let's kick it up a notch: The employer had interviews today with two young ladies for a position as Factory Security Guard. Both Ladies were:Named: Mary22 years oldSingleExcellent HealthPhysically FitEager to workWell dressedSharp AppearanceTotally Business-like.Both ladies gave good answers to all questions, and appeared to be equal in all respects. Although both appear very eligible, only one job opening exists.-------------------Mary #1 Just graduated from BlahBlah University with a Bachelors Degree in Criminal Justice. To date she has no experience.Mary #2 Was recently discharged from the US Army, having been trained and served for four years as a military police officer. Her resume' states that she has had various, increasing levels of responsibility concurrent with her added rank and levels of authority. She has supervised 20 junior personnel, served in a War Zone, and been awarded 8 medals for her service. She received an Honorable Discharge from the US Army after completing her assignment as NCO in charge of the Nuclear Materials Transfer Branch at Fort CandyButt.So ladies & gentlemen, I'll toss it out to you for some "Role Play". YOU be the employer. Who will you hire to fill the position? Be Honest.Let's find out - in our own Survey, whether Veterans are Preferred employees.Vote Now:
Is a cyber cafe business in India still profitable?It is most profitable business in current situation. Normal people will think Cyber cafe has only PC, Internet and print out. If you provide following services then you can earn more than 1.5 lakhs only in direct profit.(personal experience from Chennai).Fund transfer and micro atms. People need immediate transfer and if your cafe is open from 9 am to 10 pm you can cross 800 to 1500rs per day. Bank Holidays higher profits.Train ticket agent. Avoid personal login booking. Non bailable offense.Seat seller Agent(red bus).Flight ticket, Tour planner and hotel booking.Visa Services and passport.Pan card and DSC.IT returns and GST filings. Tie up with local Tax people or learn yourself. IT return filing for Salaried people is much easier.EB payment, postpaid, rechargesCredit card payment.Movie ticketsCollege and school fees paymentsExam fees(state and Central)Online form filling for exams from Neet to UPSC.Certificates from caste, Employment, Life, birth and death.Corrections in Aadhar, PAN any online documents.Life insurance renewals and royalty if you are LIC agent.bike and car insurance, road tax etcCurrency exchangeXerox , Plastic card , Color print out & Lamination For cropping, resizing additional cost.PF update and withdrawal.International and local Courier if you have space.Ola collections, Paytm KYC etcTTD, Sabarimala, Shirdi darshans.Typing in local languages & EnglishLand EC checking, Online tax paying like water, property etcIn some states there are different online schemes to get enrolled, renewals and withdrawals.CIBIL Score certificateCredit card swiping(2 to 3% commission)Moreover with digital India, people are looking for local knowledge nearby.All payments are becoming digital and cyber cafes with good reputation will give you best returns. Make sure your cafe never closes on any day even for lunch break. Trust, reliability, friendliness will yield positive feedback from customers.No matter how many Smartphones, Paytm, TEZ services comes, People looks for specific Knowledge locally. You can be creative and make changes as per consumer needs and requirements in future.Your cafe should be one stop solution for all. Use credit cards to make online payments which gives you back rewards points in most cases.Reward points alone provides more than 1 Lakh if you use continuously(indirect profit) and specific bank cards only provides 4x to 10x benefits while using online.Make sure you use Credit card after statement date so that the money will be in rotation for 50 days. My Statement generates on 10th January and due date is 30th January. I will start using from 11th January and Next due date is on February End or March 1st week. That gives me 45 to 49 days.Have 3 to 5 or more credit cards and be calculative on when, where and how to use. Minimum use if emergency arise.CAFE should be at center point or near to bank area for visibility. Even top geek will have to set foot once to avail one of the services above. Trust is one thing that make business popular. It takes more months to avail.Google, Digital God.
There is curfew in my area and Internet service is blocked, how can I fill my exam form as today is the last day to fill it out?Spend less time using your blocked Internet to ask questions on Quora, andTravel back in time to when there was no curfew and you were playing Super Mario Kart, and instead, fill out your exam form.
Why don’t unskilled workers in the US retrain to learn new skills instead of blaming others?There are many excellent answers and I'll answer one from personal experience.After 12 years of professional experience, technical school, and thousands of hours of manufacturer training, I was hardly unskilled, but very specialized as a master certified Mercedes-Benz technician.Unlike 99.9 percent of my peers, I understood at a very early point in my career that there is an expiration date on specialized skills and the human body, so I took courses at a junior college part time for many years. Without an end date set in stone it allowed for taking courses I enjoyed, switching between English lit and business.When an injury did take me out of my career, it was not an immediate realization. I spent 6 months progressing from barely being able to get out of bed to destroying my self in physical therapy. Then the doctor declared me stable but not fit for duty. This switched my status to state disability as I was no longer going to be a technician, so I dove headfirst into a bachelor's program. The issue is that at the end of 6 month of workers comp and the 1 year limit on disability, that puts someone out of work for 18 months and makes them ineligible for unemployment. Had I just sat on my ass after getting fired I would have had another year of support beyond that, But since I got injured while working and went to school to retrain, I was being cut off. Ironic isn't it, that safety net programs seem to be designed more for the lazy than the motivated.I worked hard and finished 2 years worth of courses in 1 years to earn a BS in business administration with a 3.9 gpa. Guess what? College grads with no work experience were more employable simple because nothing on their resume said that they worked with a wrench for 12 years.Here's the kicker, I had leadership experience building effective teams, marketing experience putting together service programs after analyzing customer trends, production experience from monitoring KPIs and enacting action plans to improve performance. All those thing employers ask for, but don't get without experience.After 6 more months of fighting through a part time sales job, I finally got a lucky break. I worked for a market research company for automotive. Later I became an instructor for an automotive program with a manufacturer.Even now I still have to fight for even an ounce of consideration as a professional, even though I deal with validation of diagnostic software, b2b programs, and customer service. I'm excluded from finance meetings even though I'm the only person in the room with any education on the subject, and blown off by engineers when I aproach them with hard data on failures and design issues, simply because I worked with a wrench.I've got an SaaS concept, business plan with sales strategy and contacts, and a signNow portion of the necessary research and ux mapping completed. Now all I need to do is find a developer who can bring an MVP to the plate and my days with a wrench will no longer matter... I hope...The point I'm trying to make is that retraining takes signNow endurance and tenacity to survive, not only the training, but the future in a new job market. Few people will push for it even if they have the foresight to know what lies ahead. Fewer people will take a major financial risk with an education if they think they can get by with what they already have. I've worked in places with unions, and all they do is push to protect the least qualified and least motivated through threats and financial intimidation, and don't ever push to make their constituents more qualified for the future. People search out the path of least resistance even if it leads to a dead end, the outliers challenge themselves to grow.Employers don't like outliers. I have met few people who actually want their employees to challenge them or bring them new, researched and supported, ideas. Managers control, and one of the ways is to put people in little labelled boxes to be moved around like faceless pieces on a board. Yes, there is a great deal that goes into planning to get all the work packages to flow though, but there is also a skill called leadership that encourages information to flow up chain.The lack of leadership, abundance of HR out of touch with the actual needs of a job position, and finally the failings human nature at the individual level all stand in the way of retraining the unskilled or the incorrectly skilled to promote a system to enable change. The failure is at both ends and the middle of the equation.Do you think Trump would hire me with my resume?LinkedIn
Which expat financial services are scams and which are actually legitimate?I haven't run into any real scams here. The two types of expat financial services I've run into are either those that provided by a huge financial company, or those that are provided by mom-and-pop accounting firms (you can get a list from the US consulate website).The big accounting firms have terrible service, and their advice really isn't that good, but they aren't scams, and the only reason to use them if the company provides them for free. The mom-and-pop companies have much, much better advice and service, and you can just use your good judgement to see if they are scams.I think the reason I've never run into an outright scam is:1) the service providers don't take all of your money. When you have someone do your taxes, you just pay them a fee. They don't have access to your bank account, so there's no way they can really scam you.2) all of the information they tell you can be verified. An accountant tells you that you have to fill out forms X, Y, and Z for your taxes, and you go to the IRS website and it says that you have to fill out forms X, Y, and Z. The accountant tells you this in plain English and there are sometimes some weird interactions that you haven't seen, but they aren't telling you anything that you can't verify as true for yourself.The only expat financial services I've ever used involves tax preparation, because tax prep for US expats is total hell. The final tax rates are actually pretty low, since there are nice deductions and credits, but my US tax forms for my first year in HK was 100+ pages (seriously), and my accountant had to create some custom forms because there are some tax issues that the IRS has no form for (for example, the fact that the HK and US tax years are different so you have to create your own form telling the IRS how you are splitting your tax credits/deductions between the two years). I just had to use the accounting firm for one year, since once they should me how to fill out the taxes, it's something I can do by myself with software.Other than paying taxes, I've never had reason to use any expat specific services. There are some gotchas with HK investments, but you can get information from your co-workers. There are two or three things that I wish I knew ahead of time (i.e. how pensions work in HK), but the trouble is that those things could be written down in one paragraph, and it's not the basis for any sort of financial service.(Also the thing about pensions is that I assumed that the employer match in HK was like the US 401(k) where things go into a special account which I had to weight until 60 to get or I left HK. Since HK pensions are completely taxable in the US, I didn't contribute that much, since I had to pay US tax on it and the employer match.What I didn't realize until I changed jobs and got a big check, was that most of the pension is given to you when you switch jobs. If I had known that I would have put a lot more money into the pension than I did.)
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Can a cashier's check bounce?A check normally bounces when there is no fund or there isn't sufficient fund. Since the money is already deducted, a cashier's check cannot bounce on this ground. A cashier's check cannot bounce based on signatures or similar grounds as can be the case with personal or business checks.
How long does it take for a bank to verify a cashier's check?Funds Availability Depending on the amount of the check, you may have access to the full amount in two days. Some banks make a portion of the check available immediately or within one business day.
Can you verify a cashier's check?There's no charge to verify a cashier's check. ... Only the bank that issued the check can truly verify it. Call the bank. If you can't visit in person, independently confirm the phone number of the bank as listed on the check.
Can you check someone's immigration status?You cannot check the status of a third party without written consent. The Department of Homeland Security (DHS) and United States Citizenship and Immigration Services (USCIS) websites can show you how to find out if someone is a U.S. citizen.
Can you cash a fake cashier's check at Walmart?No, the stores belonging to Walmart corporation Inc, do not cash fake checks even though, the fact that those stores cash all types of check could lead an individual to assume that yes, fake checks are possible to be cashed at Walmart Stores.