Contract Completion Statement Form

Find three professors who agree to write strong letters of recommendation on your behalf. Give them whatever information they ask for.Write a strong statement of purpose.Fill out the application forms, following the directions exactly.Submit your complete application, before the deadline.If necessary, follow up with your professors to check that they’ve submitted their letters.Be admitted.

When I was twelve, my dad died. I have five siblings and we ranged at the time from seven years old to eighteen. The eldest was leaving for college that week, but came back and spent the year at home at my mom's request.Before Dad had been dead a whole month, my mom started sort-of dating a sort-of homeless guy (he had been homeless and then was living in an RV on someone's property as their caretaker) my family had helped before (we volunteered for years prior to this at the local homeless shelter).A month. Our father had died of unexpected of complications from heart attacks just a month prior. We four youngest didn't know what was going on at first and she didn't let our older two siblings know. All we knew was that almost every night mom would have us get in the van, and she'd be in her pajamas and robe, and we'd drive down to his place and she'd send us to go play in the yard while she "said goodnight" and "ministered" to him.Eventually she'd come out with a shit-eating smirk, load us up in the van and drive back home.Less than two months after that she moved him into the house and started claiming they were married to everyone. (They weren't.)Why this was so incredibly selfish was because we weren't allowed to grieve anymore after that. We all had to be happy because mom had a new boyfriend-then-husband, and we all felt like we couldn't even talk about Dad anymore. Mom still talked about him but only to force our good behavior, ie: "You are all such terrible children! Your father wanted you to be raised this way and I've sacrificed so much for you...!" He wasn't even a good stepdad. He could have been worse, sure, but he'd fight with mom then storm out of the house and she'd blame it on us.Less than six months after my dad died he and my mom went on a drive and left me to change a curtain rod. I was still twelve and very small for my age, and I couldn't signNow the curtain rod. I tried, hard, but I kept falling off the back of the couch. They got back and saw that I hadn't done it, so the step-dad kept saying to me "Hah, I knew you were useless." while laughing and repeating it over and over like it was hilarious. I lost my temper and said "You're just a fat old man!" (he was 13 years older than my mom so he seemed quite elderly to me.) He, in front of my mother who had been laughing at his denigration of my handyman attempts, grabbed me, shook me hard, and screamed in my face "You stupid little b***ch!" and stormed out of the house.Mom then spanked me for trying to ruin her marriage.I just wanted my dad back, but I couldn't even say that because what if it made the step-dad feel bad?

I’m still technically in highschool. But I’m taking community college classes for college credits next year.I believe the things I’ve learned the most from my school have come from our “real life classes”With that being said, this is what I’ve learned so far.How to balance a checkbookCheck books are slowly becoming obselete with every using software like Apple Pay and Samsung Pay. Even credit cards are causing check books to slowly die off. But it’s still nonetheless a thing that people use in our everyday life. I learned how to transfer a check that was made out to me so someone else could cash it, and how to put restrictions on a check if I ever needed them.How to set a budgetI’m gonna say I learned how to create one because I technically did, I just don’t know self control. It’s important to know your wants vs your needs. Cliche saying: “If you can’t buy it twice you shouldn’t buy it once”Taking care of a childThis is a story for another day, but I’ll break down what happened. In 8th grade we were tasked with taking care of a robotic baby for a weekend, or write a 3 page essay on how to take care of a child (looking back, I should’ve just done the essay since I’m writing like 10 page essays now) it was a rough weekend.. I don’t want children anymore.How to cookIronically in the same class I had the baby in, I learned to cook. I think it’s pretty obvious why it’s important to learn how to cook.Interview etiquetteI mean.. this one should speak for itself. If you don’t know how to react in a job interview you really won’t get very far in life.How to make a resume and cover letterTo be honest with you I forget how to make both so I’m just gonna say that it’s important anyway.DrivingDriving isn’t taught by a highschool (atleast here it isn’t) and you’ll have to go a driving school that is privately owned, but it’s still something that should be learned before you graduate so you can get to and from work with ease. Unless you live in a huge city that has buses and subways, you can probably get around it that way.There’s many more but I’m not gonna jabber all night. You catch my drift.

Full-scale guide to internship ahead. It will take 3 minutes.During my sophomore year( 2nd Year) of studies I did a lot of research on Internships, how to secure it and how to get a sure-shot success.I have compiled all the questions and how to work on themWhy should I do an internship?Ans: No, you don’t need to do one, internship are not burden that you should do. You can go and learn to play guitar, feel free to explore yourself during vacations.Internships are not only in Education, there are a heck lot of internships for Music, NGOs, Tutors, Dance(Yeah you heard it right). Now for all those in colleges( I mean study focused minded people), internships are a must ( yeah you heard me right, it is must- A recent update in rule suggested that you must have 3 internships).P.S. I have still done only one internship and still in search for 2 more (I completed my recent internship from France, CNRS).2. What internship should I do, I am confused?Ans: First of all you need to find your field of interest, it can be anything, yeah anything you like, it doesn’t depend on your course/career but on your interest.I have interest in Machine Learning , Computer Vision and Embedded Systems and I am in Electronics Branch.So, once you know about your field of interest you are perfect to go ahead to search for an internship.How to find my field of interest? Refer here : “How do I find out what my actual area of interest is?”3. Where to search an Internship and how to proceed?Ans: GOOGLE , it’s all.Nothing can help you more than google. Let me be clear, never go for sites like Internshala,Letsintern,InternXXX (I am not devoting this site, these sites have all startups and local companies and jobs that won’t help your enrichment rather will prepare you for 9–5 jobs believe me, I have experience) before searching them on your own.4. What are per-requisites? What should I have? A good SOP? A good CV?Ans: I will focus on basic things to keep in Mind.a. A good balance between CGPA and Skills will help you a lot. Don’t worry,if you don’t have a good CGPA, you must be talented with so many things then( Guitar, Singing, Dance—- yeah buddy you are talented.)b. Your focus in career, I mean what you want to pursue further.Just make a list of 4–5 topics you want to pursue further.c. Compile a list of projects you have done until the time you are going to fill the form.Put all the details about the project, how it works, under whom you have done it, what is its benefit.Projects can be anything: Have you created an applications based on your interest, a cool DIY project, an electronic game, a computer program—it entirely depends on your choice.I created aa TIC TAC TOE game and I quote it in my CV.d. List of your training and online MOOCs, if you did anything.(I am a regular user of Coursera, udemy, udacity, and edx.I keep on learning new things).Just mention these MOOCs and training wherever you get space.If you have certificates, feel free to include their links.e. The workshops, seminars you have attended.Do you know- Your curricular labs may add a lot to your form, but how? Suppose you are interested in Digital Signal Processing, and you attended Digital Signal Processing lab and gained 10/10, Go on quote it in the form.f. A Good Statement of purpose, describing what is your interest.g. A resume for yourself (max 2 pages).5. What is a good Statement of Purpose and How to make it? How to make a good resume?Ans: Follow here: How to write a successful SOP , How to Write a Statement of PurposeRest you can post your questions in comment section for some-specific field in SOP, CV.6. When should I start to search for an Internship for Institute and Well-known Companies?Ans : When Should I Apply for Summer Internships?, Most of the interships application begin from late December till Feb beginning.For institute specific internships, there are two waya) Fill the application form of the Internship Advertisement.b) Mail the professor.The application form is different for different Institute, regarding the mailing procedure - I will like to quote an answer:( Source : Tuhin Kundu answer)While writing a mail to an IIT professor, some blueprints and strategies should be kept in mind:Show your proven academic record. Your chances increase manifold if your CGPA is >9.0 Not to lose hope if you haven’t got it. Neither did I.Showcase the major projects you have undertaken in your undergrad till date.Share links everywhere in your resume and cover letter. Links to your LinkedIn, ResearchGate, Codechef, SPOJ, Github etc are pretty useful.Upload your project reports to a cloud storage such as Google Drive and share the links in your resume.The mail you are going to write is the most critical part and is usually known as a cover letter. Professors are only going to open and see your resume only if your cover letter is strong.Talk about the technologies you’ve learned, the projects you’ve done or are doing, the collaborations you have undertaken with professors at your own college in your cover letter. This section is the one that convinces the professor of your credibility.Avoid attaching your CV in your mail.Upload your CV in Google Drive and share the links. Emails from unknown sources usually end up in Junk folder of university emails.Make sure your email stays at top.Email professors late at night such that your email will be somewhere at the top when the professor logs in into his email account in the morning.Talk about your inclination and motivation to work under a certain area/domain. Convince the professor about why you want to work in that certain field.Repeatedly spamming a professor will be of no good.Filter out the professors who match your research interest. Mailing every single professor of the entire department may result into marking your email address as a spammer by the institute email filter.An example of mail to professor can be:( Source : Rahul Goradia Answer)Subject : Regarding Internship in Embedded SystemRespected Prof.____________Sir/Madam,I am ——- from ——— pursuing ___________ and willing to do internship under ______________ posted on website for duration _____.Sir/Ma’am, You are working in ________ domain and you have carried out ______ projects. You also take interns in embedded Systems.I am wish to start internship under our guidance. My curriculum includes ____ related subjects to embedded system. I have completed __________ projects. I will be available during whole internship and will be very sincere throughout internship. (You can add reference of your faculty as well.)It will be a great pleasure to work under you.Sincerely————.Now let us focus on my IIT Bombay Internship.Actually I received internship offer from IIT Bombay, IIT Gandhinagar and IIIT-Delhi in my 2nd Year.Focusing on IIT Bombay Internship.The IIT Bombay has two ways of internship1) Ekalavya Internship Program **EKALAVYA HOME Page (EKALAVYA HOME Page)2) By mailing to the professor of your field of interest.Let me describe both one by one and all things which you requireThe Ekalavy internship mentioned : Apply for the internship only if you are completing the 3rd year in April/May 2017. Students completing 2nd year, with exceptional academic performance and other achievements may also be considered.The procedure for ekalavya internship,a) Apply for the internship.b) If you get selected for the first round.Then wait my friend , there is one round more.c) The second round is an Online Test, I was guided a lot by my seniors for the test, they helped me a lot for the test preparation.d) If you clear the online test( which has medium difficulty), congo you got selected.In order to get an internship by emailing the professor, you can look on etiquettes on how to mail a prof., how to search for one, how to get in touch.I will add links to the mailing etiquettes soon.I will edit more details soon, rest you can comment on specific topics which you want to know about, I will be happy to help.I am a student majoring in Electronics and Communication branch.Also, let me add, your present college won’t stop you from getting an Intern anywhere ( A motivation for you).Edit 1:The Art of Emailing Professors to Secure a Foreign Internship ( Source : Internshala )Email is the most under-rated, under-used tool for grabbing an internship abroad. Read all about how to utilize it effectively!There are two definitive ways to bag an internship-1. Apply to various internship programs such as MITACS, DAAD-WISE, etc. Fill up your application form in the fanciest way possible and leave the rest up to fate.OR2. Write an email to a professor as a prospective intern/student.The latter might sound easier than it reads.Being resilient: Professors are busy people. Do not lose hope if your first, second or even third email goes unanswered. You have to be resilient while contacting professors.Timing matters: The time you send out your mail matters more than you think. Never email a professor during the weekends or Friday night; that might be a convenient time for you to email the professor but it is also the professor’s day off and your mail will get buried under the numerous other student’s applications. Professors tend to check their mail during their office hours thus increasing chances of a reply if sent out at such a time.Whom not to contact: It is advisable not to contact more than one professor from the same department as, if found out, it will dampen your credibility in the eyes of both professors.Be specific: I cannot stress on this point enough. In the subject heading of email, be sure to include the specific area you want to intern in. The professor shouldn’t have to scour through the email to search for what you want . If you want to do a research project under him/her, a subject line such as ‘2015 Prospective Research Intern for xyz subject area’ would be ideal.Funding: Most professors are reluctant to provide funding and understandably so; you are an unknown candidate with only words to prove your credibility. Typing out a politely worded, technical email will help your chances. Make sure there are no grammatical errors. If you are good at academia with prior work experience pertaining to their field, then getting funded becomes much easier.The email is all about you being a student that the professor absolutely HAS to offer a position. The real question you should ask yourself is: What can I do to make the professor respond to my mail instead of ten dozen others lying in his/her inbox? Here’s what-Start Early: Consider this. You contact professors in October for an internship that starts in January. Provided one responds, confirmation of a project takes time. There are official procedures to be considered, especially if it’s a funded project. Then there might be a matter of VISA which needs a few weeks at the least. In the end, you might find yourself racing against time to get the confirmation.TIP: If you want an internship offer by January of next year, you should start with your research six months ahead. Keep in mind the vacation timings for the countries you are targeting because most professors will have their automatic vacation responders on during these months. By the time they read their mail, yours will be more than twenty thousand leagues under all other emails.Target the right country: If you desire an international internship, you have to be smart while choosing universities. Some professors just don’t have the funds to admit you. So what’s the point in setting up base camp there?TIP: At the outset, select countries which are known to provide funding to students. For example, news and statistics show that of late, Canada is an emerging tycoon in the education sector and is allocating massive funds to projects. So it could very well be your next destination.Spam emails: Most emails from unknown addresses are flagged as spam and don’t even signNow the inbox. Professors also can’t be sure whether you are truly a student or a fake.TIP: One smart preventive measure would be to use your university email ID which identifies your first and last name and also has something like ‘@iitg’ or some such credible ending. This validates both points at once.Bulk emails: A lot of students have a huge list of professors and play chance with their emails. Writing a bulk email with a set format to all professors will only result in immediate deletion from inbox.TIP: Spell the professor’s name correctly. Get the honorifics right- Professors are usually ‘Dr.’. Salutations such as ‘Dear Dr.X’ or simply ‘Dr.X’ should be used. Write about what interests you in their body of work.Do your homework: Professing interest in someone’s work by saying ‘I would be really enthused to work under you’ has absolutely no bearing unless you give evidence to support it.TIP: Run through the body of work the professor has done, select one publication or project that overlaps with your interest and READ IT. Come up with some interesting insight or query about it. Don’t be vague, use technical words. Try to add your own ideas. Nothing proves your interest more than actually doing your homework.I recently bagged my Latest 2018 Summer Internship in “France- Paris ,Lille”.I will love to share it’s detail along with 30+ Internships that a “first year student too can fill and achieve”.Meanwhile, you can ping me on Facebook or ask your questions in the comment section for any help.(facebook : Animesh Srivastava ).Thanks for all the sources:https://blog.internshala.com/201...Tuhin KunduRahul GarodiaHappy to help you all ! Cheers for an amazing life.

What you experience as a teller seems to vary on not only the bank you work for, but the branch you work in. For instance, my experience as a teller is probably very different than those in a lot of other bank branches because I work at a branch that has a lot of higher end clientele. We do a lot more catering and hand-holding than other branches do, and sometimes have to bend the rules a little to get things done.My day starts with me putting up my stuff in a secure area in the break room. If I’m opening, I disarm the alarms and do the morning walk-through with another teller. Then we deal with all the daily duties like getting the work together from earlier that week to send to the main office, putting together the sell for the armored truck, or auditing one of the many machines or vaults we have.I get out my drawer, boot everything up, finish putting the Nightdrops in the system, and then I wait. The morning is usually slow, so we spend a lot of time talking and trying to entertain ourselves… or trying not to fall asleep. Businesses show up a little later in the morning usually or throughout the day. And from there its an array of change orders, trying to sort out the mass of bills and checks sometimes neatly put together and sometimes crammed in a bag with such little care that it could take you 5–10 mins just to sort into some sort of order. But you get through all that and then you wait some more… and you wait some more…. and you wait some more… Given, a lot of branches are actually busy, so there is very little waiting involved, and much more trying not to lose your mind. But this is my branch.There’s a lot of checks being cashed, checks and bills being deposited, and people asking what their balance is. You get the occasional person bringing in their change to cash out. Or you get to let someone into their safe deposit box. That’s all the easy part of being a teller.The hard part is the questions you have to answer and the regulations that you have to follow. Telling people “I’m sorry I can’t do that,” and then having to try and explain why, because they don’t understand. It’s a lot of filling out forms. If I had a dollar for every slip I’ve had to fill out for someone I would’ve nearly doubled my paycheck every month. All of that is monotonous, though. And it can drive you crazy after a while. But the part of my job I really enjoy are those rare instances when I feel like I can actually really help someone. To put in the extra mile and teach someone who’s concerned about counterfeit 20s in her yard sale how to tell the difference between what’s real and what’s fake. To teach someone who doesn’t know English very well how to write out English numbers on his checks so he can pay his employees. It’s painstakingly going through every transaction with someone on their banking statement and showing them the result until they’re satisfied. It’s teaching high school kids how to fill out their first bank deposit form. It’s letting someone know their driver’s license is about to expire. It’s always been the small things that really make the job worth doing to me.But in between all of that, there are the vast arrays of paperwork that have to be done every day. Phone calls for all the check, debit card, and foreign currency orders. Followed by writing out hold logs. Trying to fill private banking’s little tasks. Occasional product phone calls can be assigned, which can take anywhere from one minute to an hour and thirty depending on the number of calls and the type. There’s filling out the occasional credit card application for a customer or a direct deposit request form. Then there’s the federal reporting forms that have to be filled out occasionally depending on the circumstance. In our branch, we also get a large amount of loan work that gets sent our way, so that takes up some time as well—completing their transactions and being essentially front-line secretaries. There are of course sales goals to fill, but at least in my bank, my job doesn’t rely on me signNowing my goal.Even with all that seriousness, some of it can be very funny. Like the truck who ran over lane 4. Or the fact that our ATM is constantly on the fritz and has a taste for eating people’s checks. Or when we’ve accidentally sent two tubes to the same lane. Or that guy who came in wanting to withdrawal $2000 in 1s for a wedding… or someone who chose to deposit an entire tub full of coin. There are days when I go home wanting to scream, and then there are days when I smile from ear to ear, but in the end, I love my job. It may not be an end game for me, but I have very few complaints. I work for a good company, and for now, that’s good enough for me.As for advice… the only thing I can tell you is… try to find joy in the small things. Be kind and people will often be kind to you.

This is something I wrote a few years back about the side show that is the Italian-American wake. Every word is true.I'm not joking when I say that I knew the phrase "Think of me as dead" before I was ten. I was nine in the Fall of 1975, when most of my grandfather's side of the family just ceased to exist. At Easter we were eating ham in the traditional Italian-American basement of my great aunts, with its commercial oven and seating for 25; by Thanksgiving I wasn't supposed to make eye contact with them. There were several reasons for this, none of which, surprisingly, involve a bowl of sauce. My favorite is that when my Russian great-grandmother died, they sent Aunt Rose's husband Johnny as an "emissary" to the funeral. This violates Italian-American protocol in two ways. One, you can only send an emissary if you are not related, and two, he was an asshole. My grandmother literally referred to him as "Asshole Johnny V----". As long as he or his wife weren't in the room, that's what she called him, like it was a title or something.Five years of no contact go by and then my grandfather's brother "Rip" dies in his sleep. Rip's real name was Rocco, which I only found out when I read his obituary. Few things sum up the Italian-American experience better than only discovering your relatives' real names after they died. I had no idea I had an Uncle Rocco, although I guess I really didn't have an Uncle Rocco, because, you know, he was dead to me. Sometimes it's hard to keep track of who's actually dead.Back then I guess the official stance of my side of the family allowed for a "truce" for funerals. In every off the boat or first-generation Italian-American family there must be someone in charge of histrionics, a role historically taken by the oldest woman in the family. There were five brothers and two sisters in my grandfather's family, so that duty fell to the oldest sister Rose, with younger sister Mae serving as Rose's "hype-man", Flavor Flav to Rose's Chuck D. Of course were Rose to be unable to perform her duties for any reason, Mae could ably step in.Rip's death was the first since Rose's mother Laboria's funeral 11 years before, which had been Rose's first solo turn after years of backing up her mother. I was too young to catch that performance, but I was old enough to see this, like turning 21 and being able to see shows at bars.It's the night of the wake. Rose, pro that she is, waits until the place is packed to start her act. It's not out of the question that she blocked out her moves to an empty house earlier in the day, but then again she *was* a natural. There is a line out the door when Rose enters(stage left, I think) gets a few feet from the front of the casket, looks up and shouts:
"68 YEARS LORD, TAKE ME INSTEAD! WHY, GOD, WHY?" 
That last line was sort of her catchphrase, like "Sit on it" or "Book 'em Danno."
The crowd is transfixed. She owns the room. This is her moment! But where do you go after an entrance like that? How do you give them more? But this is Aunt Rose we're talking about. Her sauce is better than yours. Her *grief* is better than yours, dammit! She straddles the casket. I repeat, SHE STRADDLES THE FUCKING CASKET. This 69 year old broad straddles her brother's casket, grabs him by the lapels of his jacket and shouts to the rafters:
"68 YEARS LORD! TAKE ME INSTEAD". 
She pulls on his jacket so hard that you can see his head lift off the casket pillow. 
"68 YEARS LORD! TAKE ME INSTEAD".
The audience stares in rapt attention. My cousin Bobby looks at me and silently makes a clapping gesture. 
"68 YEARS LORD! TAKE ME INSTEAD".
"68 YEARS LORD! TAKE ME INSTEAD".
"68 YEARS LORD! TAKE ME INSTEAD".
She climbs off the casket with no hair out of place, clothes as perfect as when she put them on. This woman knows what she's doing. She is led off by another mourner, almost certainly a plant in the audience.There is no encore.This happened a decade later. Rose was a bonafide superstar.THE RETURN OF AUNT ROSEAfter the family truce at my great Uncle Rip’s funeral my Aunt Rose’s side of the family went back to celebrating holidays in their basement kitchen and my side went back to not hearing what expensive NYC store Rose had purchased whatever articles of clothing and jewelry she had on at the moment. For almost a decade the only contact I had with Rose and her sister Mae was the time I ran into them at the Post Mall, which was especially awkward since they were technically dead to me at the time, meaning I should only talk to them if there was a corpse in the room. Since I had last seen them, they had traded hair colors, with Mae swapping her Geriatric Blonde for Rose’s Menopause Red, with the result being that I had a hard time telling which was which. This forced me me to address them as one entity-“Nice to see you Aunt RoseandMae!”, “I’ll be sure to tell my mom you say hi, Aunt RoseandMae!” Years later I would meet the hairdresser responsible for those colors when he would come over their house and utter bitchy one liners whenever they were out of earshot, like the wacky gay neighbor in a sitcom. I’m sure he only befriended them for the anecdotes.Toward the end of the eighties we kept up with the times and entered our own period of glasnost, mostly as a result of God taking yet another brother from Rose. I missed that one, since at the time he died, he was already dead to me. That kind of makes attending the funeral redundant, although you do end up missing a killer grief buffet. We didn’t go back to Christmas dinner in the basement kitchen but would stop by on holidays which is how my then girlfriend got to witness Mae picking up a photo of her grand niece and saying “And this my beautiful Downs Syndrome child.” It sounded like expository dialogue from “Dynasty”, although sadly Rose and Mae never had a Crystal/Alexis catfight, which their sunken living room would have been perfect for, with its full length oil portrait of their mother Laboria looking down as they pulled each other’s dyed hair.A year or so after our reconciliation my grandfather was killed in a hold up at his store. My family rush over to my grandmother’s, and everyone is sobbing when the phone rings. One of us takes the call and as soon they hang up says “Shit! Rose and Mae are on their way!” Let that sink in, my grandfather has just been murdered and his family is upset that *his sisters are coming over*. It’s like a blood stained Jackie Kennedy going ‘What the fuck is Teddy doing here?”Since we’re Italian Americans and live close enough to each other that you don’t have to reheat the lasagna you bring to Easter it’s not ten minutes later when last year’s fully loaded Sedan DeVille pulls up in front of the house. Saks Fifth Avenue heels clack on the walkway as Rose runs into the house and throws open the kitchen door.“WHY IS MY MOTHER TAKING ALL MY BROTHERS FROM ME? WHY WON’T SHE LEAVE ME ANY? WHY ARE YOU DOING THIS, LABORIA?” Mae runs in behind her, but with no tagline of her own, partially because of protocol(she has not yet ascended the ranks to Lead Griever, after all) but mostly because how the hell do you follow that? It’s the “Sergeant Pepper’s” of histrionic grief.Bringing up the rear is their brother Paulie, which kind of kills the whole “My dead mother is taking all my brothers from me” thing, but Rose isn’t going to let numbers get in the way of a good performance.For the rest of the evening if our attention strayed too far from Rose she would start shouting to the kitchen light, which I guess was serving as a stand-n for the Heavens.“WHY ARE YOU SO GREEDY LABORIA? WHY MUST YOU TAKE MY BROTHERS FROM ME? WHY, LABORIA, WHY?”For those you keeping track at home, the scorecard reads Rose: 2 brothers, Rose’s mom: 3 brothers.

Yes you can. Should you? Perhaps, but remember that the 1099 is what the IRS is going to receive. There could be differences.You may receive a 1099 which is missing basis information. You will indicate that, and use your records to fill in the missing information.My suggestion is to use the 1099, cross-referencing to your statements.

MS applicants spend considerable time and resources preparing for the GRE, shortlisting and applying to schools, and choosing a final school (when lucky enough to receive multiple admits).The best idea is to gain an understanding of financing options while preparing applications and waiting for University responses. Knowing the options empowers MS aspirants to make the best decisions for the academic and financial futures.Type of Loans-Public sector banks: Collateral loansA number of banks offer education loans with collateral for MS studies abroad. Key features of such loan offers include:Up to 90% CoA cover. In some countries, the remaining 10% must be paid up front into the bank by the borrower; this is sometimes known as margin money.A variable interest rate of ~10.5%. In some cases, a discount may be applied for taking insurance against the loan. For, example, you may receive a 0.5% discount for such insurance although this is still an additional cost which factors into the total cost of a loan.In some countries, public sector banks require both collateral and a co-signer for loans. It’s important to be prepared for extensive paperwork and a long loan approval period.While it’s not a universal norm, the collateral requested in some countries requires a parental property to be put on the line - an option that isn’t available to everyone.Non-Banking Financial Corporation (NBFCs): co-signer loansNBFCs in some countries are enabled to provide financing for international education. Typical features of these loan offers include:An offer of up to 100% CoA cover, though a co-signer is always required, and collateral is often required for high-value loans.A proprietary interest rate which isn’t defined by a governing financial institute. It’s important to understand the full cost of any loan (including factors in hidden fees like loan sanction letter fee and currency conversion charges) to enable loan comparison.Loans might be assessed on the basis of co-signer credit score, as well as their salary and other credentials. This can be a real challenge for MS applicants whose co-signers are retired or have not built their credit histories.International lenders: No co-signer, collateral-free loansSome lenders, such as Prodigy Finance, provide loans to international students, often in the currency of the study destination country. Key features of such loan offers include:Loan cover up to 100% CoA without collateral or co-signers; these are merit-based loans provided on the basis of admission to a top-ranked international school.Customized interest rates that have a fixed component and a variable component – which is often the LIBOR rate of the loan currency.Online application processes that are often quicker than other loan providers - and typically more transparent as well.Prodigy Finance’s future earnings model assess your potential based on your post-masters income and career direction.In addition to no co-signer, collateral-free loans, Prodigy Finance borrowers are also eligible for value-added benefits like scholarships and careers support.Keep in mind that every loan offer has its own merits - and you should consider all of your options carefully. This quick guide is just a jumping off point to get you started. Education is an investment and study loans are a commitment; you’ll want to consider the future as well as the present because that acceptance letter is just the beginning.Want to see the terms Prodigy Finance can offer you?Applying for Prodigy Finance’s no-cosigner, collateral-free loans takes just 30 minutes. And, with no obligation to accept a provisional loan offer, there’s no reason to wait.Check more about Prodigy Finance- Prodigy Finance Answers your Top 10 Education-Loan Questions | YocketYou can decide about which type of Educational Loan you want as per your requirements.Share and upvote if helpful.

I live in Calif and purchased two handguns over the last three years. I took the Firearm Safety Test and was issued a certificate (not a license) proving I had passed the test. I then filled out the background check form, paid for the guns and waited 10 days for the check to be completed and then came back and picked them up. There is no license for firearms in Calif. Howevr……that doesn’t mean your ownership is completely hidden. The FFL salesperson/retail store must keep a record of the sale and your ownership. This is a traceable ownership. When a gun is manufactured the company (Ruger for instance) establihes its ownership of that gun. When the gun is shipped to the FFL retail store the ownership is transferred to the store but Ruger keeps a record of where it was shipped. When the FFL retail store sells the gun to me they must then keep a record of who and where it was sold to….and so on for each sale/trnasfer. This is a way the gun can be traced if ever need be but there is no government agency that keeps record of my ownership. If I am wrong on this I would like someone to please correct me.An example - My DIL’s father passed away two years ago. His residency was Nevada. He wanted her to have his 9 mm (Taurus I believe) as a memento from him. The gun had to be taken to a Nevada FFL dealer who then filled out the paperwork to make a transfer to her who is a resident of California. She had to show a death certificate, I believe. the gun was then shipped by the Nevada dealer to a Calif dealer (selected by her) and when it arrived she was notified. She then went to the dealer and retrieved the gun. She did the transfer legally and proper. What people don’t talk much about is the hand over as a gift of a decedants gun to a friend or family member. Traceability of the gun is mostly lost at that time. I believe there are a huge number of these untraceable guns in the US.

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