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The filing of Income Tax returns is a mandatory duty along with the payment of Income Tax to the Government of India . As the season closes by (last date of filing return - 5th August for 2014), many new tax-payers are in qualms as to how to go with the procedure as well as do away with the seemingly complicated mechanism behind it .Following are some of the pointers , which I acquired through self-learning (all are written considering the tax procedures for an Individual, and not Companies or other organizations).  Here goes  :1) Firstly , it is important to understand that Income Tax return is a document which is filed by you stating your Total Income in a Financial Year through various sources of income i.e Salary , business, house property, etc . (Financial Year is the year of your income , and Assessment Year is the year next to it in which the tax is due . Eg - Financial Year 2013-14, Assessment Year 2014-15)It also states the Taxable income on that salary and the Total tax payable with surcharges and Education Cess . The Taxable income has an exemption of upto 2 lakh rupees(For an individual, and not a senior citizen) for this assessment year , and 2.5 lakhs for the next (As per the new budget) . You also get tax exemptions on various other investments/allowances such as HRA , Fixed Deposits , Insurance Policies , Provident Funds , Children's Education , etc under various clauses of Section 80.People should know that return is filed to intimate the Government of your tax statements and it should not be confused with the Tax-refund one gets if there is a surplus tax paid by you to the Government . Return is not Refund .2) Government of India collects Income Tax through three modes :a) TDS - Tax Deduction at Source . TDS is the system in which any corporation/business as an Employer is supposed to deduct the Income tax of an Employee from his/her salary at source and submit it to the GOI before the end of Financial Year . The tax is deducted regularly from the employee's salary in certain percentage so as to overcome the liability of Total Tax to be paid by the employer for the Financial Year.The Employer issues a TDS Certificate in the form of Form 16 or Form 16A to the Employee which would be used to claim the TDS by the employee while filing his/her return . Form 16 is the certificate issued for the tax deducted under the head Salaries . Form 16A is issued for tax deducted for income through other sources such as interests on securities,dividends,winnings,etc.If the employee has some extra income through other sources , he/she should intimate the Employer about it before so as to include it for TDS . The total tax paid by you through TDS is also available online on the TRACES portal which is linked to your Bank Account and PAN No. for your convenience . You can also generate and validate your Form 16 / 16A from the website to file your return online .b) Advance Tax and Self Assessment Tax .Advance Tax may also be called 'Pay as you earn' Tax . In India one has to estimate his income during the financial year.If your projected tax liability of the current Financial year is more than Rs 10000, you are supposed to pay Advance tax !This has to be paid in three instalments. 30 % by 15th Sept,60% minus first instalment by 15th Dec and 100% minus 2nd instalment by 15th March.For individuals who are earning only through salaries , the Advance Tax is taken care of through TDS by the employers and there is hardly any Advance Tax to be paid . But for individuals who have other sources of income , they have to pay Advance Tax .If one forgets to pay he is liable to pay interest @ 1% p.m.Self-Assessment Tax - While filing your Return of Income, one does a computation of income and taxes to be filled in the Return. On computation, sometimes it is noted that the Taxes paid either as Advance Tax or by way of TDS fall short of the Actual Tax Payable . The shortfall so determined is called the Self Assessment Tax which is payable before filing the Return of Income. c) TCS - Tax Collection at Source .Tax Collected at Source (TCS) is income tax collected by a Seller from a Payer on sale of certain items. The seller has to collect tax at specified rates from the payer who has purchased these items :    Alcoholic liquor for human consumption    Tendu leaves    Timber obtained under a forest lease    Timber obtained by any mode other than under a forest lease    Any other forest produce not being timber or tendu leaves    Scrap    Minerals being coal or lignite or iron ore    Scrap BatteriesSalaried Individuals are not concerned with TCS .3) Online Procedure for Filing your Return , Payment of Tax , and viewing/generating your TDS certificate .  a) Filing Income Tax Return :The procedure is as simple as it gets . You have to go to the E-filing homepage of the GOI , i.e https://incometaxindiaefiling.go... and login to your account . If you don't have an account yet , you can create it through the 'Register Yourself' link above it . All you need is a PAN No. (obviously) . After logging in , you have to go to the E-file tab and select the 'Prepare and Submit online ITR' option . Alternatively , you can select the 'Upload Return' option to upload your return through an XML file downloaded from the 'Downloads' tab and filled offline by you .You have to enter your PAN No, select ITR Form name 'ITR1' (Form ITR1 is for salaried individuals, income from house property and other income) , select Assessment year and submit .Now all you have to do is fill the form with the tabs Personal Information , Income Details , Tax Details , Tax Paid and Verification and 80G to complete your Return and submit it to the Income Tax Department .The 'Income Details' tab asks for your Total Income through various sources , and Tax exemptions claimed by you under various clauses of Section 80 . It also computes the Income tax liability of yours for that Financial Year . The 'Tax details' tab asks for the TAN (Tax Deduction Account Number) and Details of Form 16/16A issued by the employer/generated by you for TDS . It also asks for Advance Tax / Self Assessment Tax, if paid and the Challan no. of the payment receipt .The 'Tax Paid and Verification' Tab asks for your Bank Account Number and IFSC code . If there is a surplus tax paid by you in the form of TDS/Advance Tax , you will get its refund with interest in a 4 months period by the Income Tax Department . After submitting the Return , you get a link on your registered E-mail id . This link provides you the ITR-V document (an acknowledgement slip) which you have to download , print , put your signature , and send it to the Bangalore division of the Income Tax Department for completion of your Return Filing . The address is mentioned in the document . Alternatively , you can evade the ITR-V process and opt to digitally sign in the beginning of E-filing , but the process requires you to spend money and is to be renewed every year .b) Payment of Tax - You can pay the TDS (Not required for an individual, it is to be paid by the employer) , Advance Tax or Self Assessment Tax through the portal of Tax Information Network , i.e e-TAX Payment System After filling the required form (ITNS 280 for Income Tax) , you pay the tax through your Bank Account , and get a Challan receipt which will be used during filing your return .c) View/ Generate TDS Certificate online .You can do it by logging on to the TRACES portal of the Tax Deduction System , i.e , Page on tdscpc.gov.in You will have to register yourself before logging in through your PAN no.You can view the details of your TDS deducted by the Employer via From 26AS on the portal .Also , you can generate your TDS Certificate in the form of Form 16/16A by entering the TAN No. of your Employer .

I'm getting married in August and I did not realize the process was so arduous.I was raised Catholic but have not practiced for about a decade. I wanted to have a Catholic wedding because my parents are Catholic and I think they'd appreciate it.I live in San Francisco and the wedding is in Cleveland. We contacted a priest in Cleveland to preside over the ceremony, and he mentioned that we needed to get permission from our church in San Francisco. Here's the checklist the church in San Francisco sent our way [1], and my interpretation of what we need to do to have a wedding recognized by the Catholic church.1) We need my "home church", in the Archdiocese of San Francisco, to give me permission to get married in the Archdiocese of Cleveland. To grant me that permission, the Archdiocese of San Francisco requires:Baptismal recordsFreedom to Marry (Form A)Witness to the Freedom to Marry (Form B)In the presence of a priest or deacon, I have to reaffirm my faith in Jesus Christ and promises to live that faith in the Catholic Church and do all in my power to raise the children Catholic.I need to attend an Engaged Encounter Weekend, Saturday For the Engaged or a parish marriage preparation program (this appears to be their approach to the Pre-Cana [2] course). Note that the Saturday encounter will cost us $200.Additionally, because my fiancé is not Catholic, they also require:A dispensation from the Archbishop in San Francisco to marry a non-baptized person (Disparity of Cult)Specific to the Archdiocese of San Francisco, I believe, is an exam and counseling session devoted to communication for the couples:FOCCUS premarital inventoryFOCCUS(c) follow-up session2) At the rehearsal:Marriage license3) At the wedding:Wedding rings[1] http://www.oldsaintmarys.org/htm...[2] http://en.wikipedia.org/wiki/Pre...

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.

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.

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.

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.

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