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What was your experience being a bank teller?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.
How did bank managers and staff in India treat you whenever you approach them for some loans?When I was making plans to go to the USA to attend graduate school, my father and I went to different banks asking for education loan.At that time, my father made just enough to support our family and all he has is a small house. No Savings or any other property.The home value is more than the loan amount we requested for. Most of the banks turned us down and I almost gave up on my dream to go to Grad school.I went to Andhra bank near my area. This was a new branch and I just went to try my luck. The bank manager is a soft-spoken person. He asked me for my details and other stuff. He told me that he can’t guarantee a loan until the appraisal is done.Two days later, he called me telling that the appraiser is in town and they want to see my home to estimate it’s value. I called my dad and they got the appraisal done. The manager looked into my study certificates and told me that he will do his best to get the loan approved.He went above and beyond his duty and got the loan approved. I got my loan papers and the next day, he got transferred to a different branch.I finished my Master’s degree and now, I am having a good job. I called the manager to convey my thanks for his help. He told me that he is really happy for me and that I was the first one who got an education loan from the new branch.Thank you, Sir!!!!
How do I get an ISP license?Step 1: How to (apply for &) get an ISP license in India? – Check EligibilityTo obtain an ISP license, you require a registered company under the Companies Act, 1956. You can log on to the Registrar of Companies’ website for more information on how to register a company if you haven’t already registered yours.Step 2: How to (apply for &) get an ISP license in India? – Choose a suitable ISP license category to apply underThe next step to obtaining an ISP license is to know / decide which category of license you require – category A, B or C. Click here to know more about how to select the right category for your ISP License.In India, there are 3 different categories of licenses to become an internet service provider, depending upon the City/State/Town/District/Village you want to start your ISP business in.The 3 categories of ISP licenses are:Class A (National Area)Class B (Telecom Circle/Metro Area)Class C (Secondary Switching Area)Naturally, a Class A ISP license would be quite expensive, followed by Class B & C respectively.Step 3: How to (apply for &) get an ISP license in India? – Budgeting and CostingTo promote internet access in smaller towns, cities & villages, the Government of India has made a conscious effort to ease prices of a Class C license compared to a Class A or B license.The total government cost for a Class C license is INR 90,000/- whereas for a Class A license is as high as 2 ½ crores.Thus, in order to become a Class C ISP licence holder, you don’t require more than Rs. 3-4 lakhs, depending on the lawyer / ISP consultant fees.Once you have selected the category of the ISP license you want to obtain, it is important to know how the entire application process goes.Now, let’s take you through on how to apply for an ISP license & the documents, legal help, etc. you will require.Step 4: How to (apply for &) get an ISP license in India? – Initial Application ProcessAfter you have chosen your ISP license category, you will need to fill out an application form. Click here to download the form.Along with the form, a non-refundable Processing Fee of INR 15,000/- must be paid by the applicant, along with 2 copies of the application form, by DD/Pay Order from a Schedule Bank payable at New Delhi issued in the name of Pay & Accounts Officer (Headquarter) DOT.Provide all required official documents. Click here to know the list of documents required.Step 5: How to (apply for &) get an ISP license in India? – Document ReviewOnce you have submitted your application form along with the required documents & fees, the Department of Telecom will review your application & respond to you, the applicant, in under 60 days,as far as practicable i.e. in case there are any issues with your application, there may be a delay in the issuing of a response from the DOT.If there is no problem with your complete application, the DOT will issue a ‘Letter of Intent’ in your favor.However, there are chances that your application may be rejected or delayed due to non-compliance with legal, security, hardware, commercial and contractual compliance and human errors such as incomplete form submission.Therefore, it is important to get an ISP consultant / lawyer to review your application before you submit your application form for obtaining the ISP authorization under the Unified License . Click here to know more.Disclaimer: the rules keep changing as per notifications by DOT and Govt. This information was published on Oct’2016. Do not treat this as professional advice, kindly contact us for up-to-date compliance and to avail professional assistance for your application.
What are some brain hacks that a neuroscientist or a psychologist knows that most people don't?You can rewire your brain!This is possible due to Neuroplasticity.Neuroplasticity refers to changes in neural pathways and synapses which are due to changes in behavior, environment and neural processes, as well as changes resulting from bodily injury To be honest, the brain is a dynamic entity undergoing changes all the time. As you read this innocent sentence, some neurons in your brain have fired and some synapses have become stronger. Voila! Your brain has been rewired a bit. But I am not talking about these sort of 'boring' changes which occur all the time.What if I told you, your actions can physically alter your brain? Some parts become larger than usual while some parts begin performing tasks they normally don't?László Polgár is the father of the famous "Polgár sisters": Judit, Susan and Sofia. He is an expert in chess and believed that "geniuses are made, not born". Before he had any children, he wrote a book entitled Bring Up Genius!, and sought a wife to help him carry out his experiment. He found one in Klara, a schoolteacher. He home-schooled their three daughters, primarily in chess, and all three went on to become strong players. Susan Polgar became the first female to earn the Grandmaster title.Because of her intense training, her brain had encoded chess board configurations and she was able to not only recognize these configurations but also what moves she had to do from there to win. Show her a random chess board setup that is infrequent her brain is just as slow as normal chess players. So what was happening? A scan of her brain activity showed she was using the part of the brain that recognizes faces to identify chess board configurations. This part of the brain is really developed in humans and face recognition is something humans are really good at. The hours of practice she had put in playing and studying chess had radically changed ho she used her brain to play it.Some of you might be thinking that it was because she got her training from childhood that she was able to become an expert and this fact is useless to someone older.Not really. Recent studies have shown although neuroplasticity declines it still can be made use of in older ages.The Sea Gypsies are a seafaring people who spend a great deal of their time in boats off the coast of Myanmar and Thailand, have unusual underwater vision -- twice as good as Europeans. This has enabled Mokens to gather shellfish at great depths without the aid of scuba gear. How do the Moken do this? They constrict their pupils by 22 percent. The brain orders the body to adapt to suite its needs. Another example of neuroplasticity has been found in London taxi drivers. A cab driver's hippocampus -- the part of the brain that holds spatial representation capacity -- is measurably larger than that of a bus driver. [from Neuroplasticity: You Can Teach An Old Brain New Tricks ]As children we have lots of free time and our brain is really quick to grasp new skills and ideas. To make signNow changes to the brain as grown ups one needs to exercise it regularly and focus on really specific tasks like learning to play the guitar or solve spatial puzzles. Because of the constraints of being social and other reasons, people miss out on this. It has been observed that spiritual leaders and prisoners of war have been able to develop extra-cognitive skills simply because of the immense amount of time they put in meditation, mental exercises and thought experiments. Plasticity can also be observed in the brains of bilinguals (Mechelli et al., 2004). It looks like learning a second language is associated with structural changes in the brain: the left inferior parietal cortex is larger in bilingual brains than in monolingual brains.I'll end with some interesting bits from The Brain that Changes ItselfLearning and brain exercises slow age-related mental declines. For example, education necessitates extra branches among neurons to accommodate the new information; new branching increases the volume and thickness of the brain that would otherwise decline with age.Physical exercise promotes the creation of new neurons in the brain. Yet another reason to start that walking program.Specifically designed brain exercises have been shown to improve brain function in children and adults with learning disabilities.The brain undergoes measurable, physical changes as we think. Computer technology can now use these measurements and changes to allow paralyzed people to moves objects with their thoughts.Researchers at UCSD have used imagination and illusion to restructure brain maps and ‘trick” the brain into managing phantom pain and some forms of chronic pain.Performance can be improved through visualization because action and imagination can activate the same parts of the brain. People have learned to play the piano or achieve greater results in athletic endeavors through mental practice. Is it time to visualize eating a nice salad?[from Neuroplasticity Research Shows “Old Dogs” Can Learn New Tricks!]
How to decide my bank name city and state if filling out a form, if the bank is a national bank?Somewhere on that form should be a blank for routing number and account number. Those are available from your check and/or your bank statements. If you can't find them, call the bank and ask or go by their office for help with the form. As long as those numbers are entered correctly, any error you make in spelling, location or naming should not influence the eventual deposit into your proper account.
What advice would you give to a stepmother on how to handle a difficult biological mother?Obviously each case is different. In my case the biological mother was causing considerable financial difficulties. Before I married him he was very naive where his exwife and children were involved. She was married again but the husband controlled the finances so in order to have her own money she would tell my husband I didn’t get the child support check and he would fire off another one after checking and finding it had not been cashed. She did this on a regular basis and cash both checks. (He was very generous with the support). She would also convince his youngest son he was “sick” . Back then it was not unusual for drs to hospitalize you and “run test” then we would get horrendous bills. We had to pay what insurance didn’t. Then one day I got a letter at our home addressed to my husbands work. It had her return address on it so I wondered what the hell was going on so I opened it. Low and behold it was a form filled out telling the insurance office to make checks payable to her!!! I was furious!! No wonder we were being buried with medical bills she was getting the insurance payments not the provider. Not only that I knew from my stepson that he was also covered under her husbands insurance so I figured she was doing the same to them. Another thing she did was send a list of clothes he needed for school and expect us to get them while he was visiting.I offered to take him to goodwill. Sooooo first I went to the bank and asked what I could do about her holding checks. They told me I could fill out paperwork to have the bank not honor any check over 60 days. So I did, I notified her of the change and told her if she held a check too long it would not be honored and since we had met our obligation it would not be replaced!! Then I called my husbands job and filled them in and told them all insurance payments were to go directly to the provider not to her. She had been signing my husbands signature on the forms (she signed it exactly like my husbands signature) I also informed them she had other insurance on him. She even got her dentist to do work on her (personal friend) and bill us as though it had been done on his son. When he came for his normal visit I took him to our dentist and gave him a list of what they supposedly had done……surprise none of it had been done. I called the dentist and told him if we didn’t get a refund immediately I would report him. That he would have to get payment from her. Once we got the refund I reported him anyway!! After all that it was amazing how quickly my stepchildren’s biological mother was no longer difficult.So all I can say to you is figure out the areas she is difficult in and go from there. Good luck!!
How do I fill out an application form to open a bank account?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.
How do I respond to a request for a restraining order? Do I need to fill out a form?As asked of me specifically;The others are right, you will likely need a lawyer. But to answer your question, there is a response form to respond to a restraining order or order of protection. Worst case the form is available at the courthouse where your hearing is set to be heard in, typically at the appropriate clerk's window, which may vary, so ask any of the clerk's when you get there.You only have so many days to respond, and it will specify in the paperwork.You will also have to appear in court on the date your hearing is scheduled.Most courts have a department that will help you respond to forms at no cost. I figure you are asking because you can't afford an attorney which is completely understandable.The problem is that if you aren't represented and the other person is successful in getting a temporary restraining order made permanent in the hearing you will not be allowed at any of the places the petitioner goes, without risking arrest.I hope this helps.Not given as legal advice-
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What is the difference between a change order and a change directive?A construction change directive (also known as \u201cForce Account Work\u201d) is not synonymous with a change order. Where a change order requires the agreement of the change by the owner, the architect, and the contractor, a construction change order only requires the approval of the owner and the architect.
What is the definition of a change order?A change order is work that is added to or deleted from the original scope of work of a contract, however, depending on the magnitude of the change, it may or may not alter the original contract amount and/or completion date. A change order may force a new project to handle signNow changes to the current project.
What should a change order include?What Do Change Orders Typically Include? Change orders vary depending on the project, stakeholders and specific change needed by one or both parties. However, all change orders need to include detailed information, including: A description of the requested change compared to the original contract or bid.
What is a credit change order?A credit change order occurs when a change in the scope of work requires the contractor to issue a credit against the contract. Credits happen for different reasons. A client may decide to reduce the quality of materials scheduled for installation. They may also choose to reduce the overall quantity of work done.
What is a change order form?A change order is an amendment to the original construction plans agreed upon by you and your contractor. Change orders can stem from a variety of situations, including building conditions, soil problems and design updates. Here's a framework for writing a change order: Disclaimer.