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What are the implications of my signing a 3 year bond with the Singaporean for my tuition fees if I may want to pursue a post-grad degree elsewhere?I will try to answer this in as much detail as I can. Hope this helps international students who wish to leave Singapore during their bond period for whatever reason. 1. You need to visit MOE's tuition grant portal and activate your profile The URL is http://tgonline.gov.sgIf you need assistance, you may call MOE at 6879 7333 or 6879 73342. After activating your profile, you need to submit employment updates. You can do this by uploading your salary slips or a certificate of employment from your company (the certificate must bear your company's stamp).If you have never been employed in Singapore during your bond period, you obviously skip this step.3. Request for bond deferment or bond buyout -In the TGonline portal, you'll notice tabs relevant to this. From here on, it is self explanatory. You would be required to upload transcripts and graduation certificate for the degree/diploma for which you received the subsidy.Certificate of employment (yes, again) stating your last date of employment. You would be able to do this only after you resign at your workplace unless your employer is kind enough to provide such a certificate otherwise.Your latest salary slipOffer letter from the institution or firm you would be going to, stating tenure of employment or course. You can only defer your bond until the end of that tenure. If you are planning to buy the bond, the tenure part is unnecessary Once you've done this, you can submit your request through the TGonline portal. An MOE officer will get in touch with you via email regarding your request in about 1-3 working days. 4. OutcomeIf your request has been rejected, tough luck. You might want to call up MOE and clarify what went wrong.If your request has been accepted, the email from MOE will carry info about things to be done to complete the process. In case you are buying out the bond, the procedure from here on is fairly straightforward. You simply have to go to MOE in person and give them a crossed cheque for the liquidated damages. In case you are deferring the bond, there are a few more things to be done. You would be required to provide a Banker's Guarantee (BG) for a sum equal to the liquidated damages quoted to you. The e-mail sent to you by MOE will have a BG draft format attached. How to obtain a Banker's Guarantee?If you have a DBS/POSB account, you can go to any DBS (but not POSB) branch to apply for the Banker's Guarantee. You need to print out the e-mail from MOE and the BG draft and take both along with you to the bank. You must also carry your passport with you. Tell them that you need a BG and they'll guide you through the process. You will be asked to fill up a BG application form, create a Fixed deposit in the bank and transfer the LD amount to your FD account. If by chance, the DBS branch that you go to turns you back saying that BG can not be issued in the requested format (this happened to me), you can ask the branch officer to call up the MBFC branch and clarify or you can go directly to the MBFC branch (personal banking @level 3, Tower 3)and apply there. BGs are issued by DBS in MOE's prescribed format. After you have applied, you will have to wait for 3-5 working days to receive a call from them for collection. You'll have to collect the BG at MBFC tower 3 Level 12 and submit the same to MOE. MOE will then send you a confirmation e-mail. There ends the process. You are good to go :)You'll have to return to Singapore within 3 months upon completion of the deferment period failing which the LD amount will be forfeited from your FD and the interest amount from your FD will be transferred back to your savings account.How is LD computed?MOE does not tell you how it is computed. It merely quotes the LD amount you owe. Based on the subsidy received, tenure of bond served and LD amount quoted, you would be able to find out how LD is computed. Bond worth for a course of duration x yrs= MOE Subsidy received in yr 1 compounded annually at 10% for x yrs + MOE Subsidy received in yr 2 compounded annually at 10% for x-1 yrs +....MOE Subsidy received in yr x compounded annually at 10% for 1 yr.LD = (Bond worth/36)* (36 - Number of months of bond served).NOTE - If you have served for 25.6 months, the number of months is counted as 25 months. If you have served for 33.9 months, it is counted as 33 months. This is bizarre but this is how it works.
How does one get invited to the Quora Partner Program? What criteria do they use, or is it completely random?I live in Germany. I got an invite to the Quora partner program the day I landed in USA for a business trip. So from what I understand, irrespective of the number of views on your answers, there is some additional eligibility criteria for you to even get an email invite.If you read the terms of service, point 1 states:Eligibility. You must be located in the United States to participate in this Program. If you are a Quora employee, you are eligible to participate and earn up to a maximum of $200 USD a month. You also agree to be bound by the Platform Terms (https://www.quora.com/about/tos) as a condition of participation.Again, if you check the FAQ section:How can other people I know .participate?The program is invite-only at this time, but we intend to open it up to more people as time goes on.So my guess is that Quora is currently targeting people based out of USA, who are active on Quora, may or may not be answering questions frequently ( I have not answered questions frequently in the past year or so) and have a certain number of consistent answer views.Edit 1: Thanks to @Anita Scotch, I got to know that the Quora partner program is now available for other countries too. Copying Anuta’s comment here:If you reside in one of the Countries, The Quora Partner Program is active in, you are eligible to participate in the program.” ( I read more will be added, at some point, but here are the countries, currently eligible at this writing,) U.S., Japan, Germany, Spain, France, United Kingdom, Italy and Australia.11/14/2018Edit 2 : Here is the latest list of countries with 3 new additions eligible for the Quora Partner program:U.S., Japan, Germany, Spain, France, United Kingdom, Italy, Canada, Australia, Indonesia, India and Brazil.Thanks to Monoswita Rez for informing me about this update.
How did you learn to fill out a job application?First you must be truthful. Look at your assets, what do you do best, then look at what the future employer’s needs and fit the two together as best you can. On any job application or any correspondence try to master the King’s English to your very best ability. This is especially important if the new job requires communication interfacing with other people outside your company.
How long after I fill out a non provisional patent application, will my product be safe to market?Never, but don't be afraid.By "safe" I assume that you mean a combination of your ability to make the product free of claims of infringement, your ability to exclude other from using it and your ability to prevent others from patenting the same thing. I also assume that you are filing in the United States. If not, this answer may not fit.Don't worry about copyists.It is true that people are free to make copies of your product today, tomorrow and every day in the future until the patent issues. I think a supermajority of my clients worry that as soon as their idea escapes their lips everyone will start copying it. Yet, that virtually never happens. Why?If you sell your product widely (assuming it's unique and people want it) then you will sell at the highest price the market is willing to pay at the quantity which corresponds to the best per unit profit. If someone else wants to come into the market the quantity will increase and the price will fall (that is the law of demand). The second mover will have to consider whether it is profitable to sell at this new lower price, not whether it is profitable to sell at your monopolist price. If this new price is below its cost curve, the second mover will not enter the marketplace. Until an economy of scale is signNowed, no one will want to enter the marketplace."But what about really big companies," most clients who have never worked for a big company ask, "can't they make my product for much less than me?" Yes, but they won't. Here, the problem isn't variable cost, but rather that new products are only viable if they are able to cover their share of the massive overhead large companies have. If the contribution margin is less than 40% (it probably is) they will pass. Inventors often confuse copying with independent inventorship. The former requires a transmission of your invention to the copyist, which the copyist then copies. This is like a copy machine. Independent inventorship occurs when two people are trying to solve the same problem at the same time. It is still rare that this occurs, but it does happen. In my last thousand cases I have seen one instance of copying and maybe half a dozen cases of independent inventorship. This is not something to worry about.You can't do anything about infringementA patent is a right to exclude, not a right to make and use your invention. If a portion of your device is covered by another patent, you may be infringing that patent even though you have a patent on your own device.Let's say you have a patent on a peanut butter and jelly sandwich and that you are going to a patent infringement picnic. You see the following:A peanut butter sandwich - no jelly no infringement.A peanut butter, jelly and ice cream sandwich - you find this impressive, and you speak to the assignee to learn that it has patent on this sandwich. Nonetheless, it still infringes because there is peanut butter, jelly and sandwich.Filing and publishing your application with thwart a subsequent or simultaneous inventorA patent requires novelty and non-obvious over that which currently exists. Novelty means that you cannot patent something that is available to the public. Non-obvious prevents you from patenting something that is not available to the public but the public could figure out how to make your product given what is available and the skill in your field.Publishing your application creates a searchable prior art reference for a patent examiner to easily reject a later filed application. Of course, the sales I advised you to make above could do the same thing, but the patent examiner may not have access to those and you might have a situation where the subsequent filer gets a patent that is not enforceable.Publication carries risk as well (most notably making life easier for copyists). To figure out the best system to handle these risks requires a much more detailed assessment of your business. If you PM me I can try to help you.
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How do I fill out college applications?There are multiple points to keep in mind while filling out college application forms. For instance, one tip that really helped me was writing down a list of all the colleges I wanted to apply to and then writing down the submission deadlines beside them. this gave me a clear idea of how to prioritise my time and plan things accordingly. In fact I also found this really cool video that talks about how to fill college application form in Tamil. You can check it out here. I’m sure it’ll be really helpful.