Joint Account Form

I was surprised when my straight arrow boss, non-drinker and non-smoker, took out a sample-sized pack of cigarettes at the Denver Airport and started chain-smoking as he sipped his Manhattan at the airport bar. We were headed for a week-long exposition in Toronto and I was chosen to travel with the EVP. A few people had smiled when I told them of the upcoming junket.We stayed in separate rooms, thankfully, but the rest of the time we traveled together. Once we arrived in Toronto, I never again saw him sober after the noon liquid lunch, so we conducted all of our high-level meetings in the morning. He showed up well-scrubbed but red-faced.A drunk is very poor at planning normal tourist events so I was the one buying baseball tickets or getting us to the CN Tower. He was the one slinking off for a smoke or a drink. He was the one who tried to sue a restaurant when his drunken gesticulations caused a server to drop a tray of drinks into his lap as we waited for our meals.Then it ended. We boarded our flight home to the Mountain West and he put away the cigarettes, rejoined me in the non-smoking section of the plane, and drank Diet Coke for the journey back. His wonderful Mormon wife met us at the airport and he handed her the gift I had helped him pick out in Toronto. And we never talked about it again.

Let me clarify your doubt in two steps :Gift in blood relation is tax free. So your Son or wife will not have to pay tax for giving or receiving the gift money.Interest earned on the Fixed deposit will be taxed as per the tax slab of the FIRST HOLDER of joint account. For any calculation purpose, only first holder is counted. Interest money cannot be shared among the joint holders. So , YOU have to pay the tax on interest earned.Solution of this situation. Get an account opened in the name of your wife and put the money in her account. Since she is not having any income, she will not have to pay any tax on the interest earned. You just need to provide the relevant form 15H or 15G to the bank.

For opening an account , you have to fill up two type of forms. One is CIF form i.e. customer information file and second is account opening form.(AOF)You have to fill up CIF form for each applicant and a common AOF. E.g. If joint account has two persons then two CIF forms.Usually forms ask for your personal information, Photograph, Proof of Identity and Proof of Address. POI and POA are govt approved documents. Carry a photocopy along with original document.You also have ti mention services required like ATM card , Internet banking, SMS alert required and mobile banking. Banks also offer insurance, credit card, Mutual fund etc along with account opening.Accept these products only if you mere them.

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.

I'm a heavy Airbnb user. I probably live in an Airbnb 6 or 7 months out of the year. Right now I'm in one. For the next four months I will be in three or four or five different Airbnbs. Not because of a work lifestyle. But because I love it. I love to explore and be in different places and most of all, I hate owning furniture, I don't like to rent, and I don't like to own. I like to be homeless through Airbnb.So I don't know if that makes me qualified or not to answer this. Plus my wife does most of the booking so maybe all of these things are already satisfied. But here is my list: A) Airbnb Tonight:  I'm in a city, need a place to stay, I should be able to click on "Airbnb Tonight" and BAM! get my room. B) Consistent check-in and check-out. Check-out is by 11:30, check-in is at 4 pm or after. This is always an extra five emails of negotiation once you have a place booked. Making this a consistent policy shouldn't be hard. C) Airbnb Car: I pay an extra fee and the service gets my rental car (or Zipcar), takes care of picking me up at airport, etc. D) Review Checklist: instead of straight reviews, put in more uniform checklists: level of noise in area, cleanliness, hot water, TV works, Wi-Fi works, etc. This makes it easier to review without offending. E) Airbnb "Miles": sort of like airplane miles. Get some sort of credit and perks if you use Airbnb an enormous amount. I want to say "I'm an Airbnb Gold member", etc.F) Airbnb + Orbitz: If I'm in New York City and I book an Airbnb in Florida for Jan 5, instantly bring me to a separate tab, where I can book a plane from New York to Florida on that day. Maybe get an "Airbnb rate" that you work out with the travel firm or airlines. G) Airbnb Concierge: Let's say I'm arriving at a place at 10 pm. I'm tired, but I need food. The concierge makes sure the refrigerator is stocked with my basics and that even a delivery of sushi is waiting for me when I arrive. I'd pay for this extra service.H) Airbnb Extras: I should be able to go to a place and pay extra if I want a computer waiting for me, chargers, a ping pong table, etc.I) Airbnb Real Estate: some places I'd like to stay at for the year. I'd like to see all the places where I can rent for a year. It will steal business from places like Trulia.J) Airbnb / Calendar: Given my profile (I always like a certain type of place), and given my travel schedule on calendar, as soon as I make calendar change, Airbnb should send me a list of places that meet my profile and it's one click-acceptance.

Submit request letter to your home branch with following documents:-KYC documents of joint holder,Two coloured passport size photographs of joint account holder.Mode of operation of joint account.Signature of joint account holder, duly verified by you.

Nifty 50 is one of the main market indices in India.It is a prepackaged list of 50 important stocks across different sectors. These are the largest and most traded stocks.If majority of these stocks are doing well, the Nifty trend is up.If the majority is down, the Nifty trend is down.Uses for a busy value investor:At any moment, if you want to check the market trends and how they are doing, you just check the general trend- That is Nifty 50. It gives a minute by minute reading.It shows the general perception of market participants. If up, it indicates the people are optimistic about the future.For example, the Index at 10:55 AM on 25th May 2017 was at 9427 but a few hours later it moves to 9355. A drop of few points in a day indicates that the participants are not too optimitic.It can be used to see your performance in the stock market. For example last year you earned a return of 16%, but what if the same year Nifty moved up by 30%? It indicates you need to relook at your portfolio.It saves a hell lot of time.I learnt this on Zerodha Varsity.Check the trend here.Check the stocks contributing to Nifty 50 today at Money Control.

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Normally, you cannot open a joint bank account along with someone who resides in another country unless that person comes to the United States in order to open the account. ... However, some major banks do make exceptions and allow non-residents, both in the United States and based overseas, to open accounts.

It's very easy to open a joint account. You can apply online or in branch, and each account holder will need to: Complete an application form with their personal details.

Not all credit card companies report authorized users to the credit bureau. The major credit card issuers (American Express, Bank of America, Chase, Citibank, Capital One and Discover) do report. ... You can find a list of banks that report authorized users to the credit bureau here.

To add an authorized user, contact your credit card issuer by phone or by logging on to your online account. The card issuer will need the authorized user's personal information, including their name, address, date of birth, and social security number, to process the request.