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FAQ

Is it possible to negotiate a car price from a dealer when I want to pay cash?
As a cash buyer 100% of the time, I've actually found it more difficult to negotiate with dealerships.Dealers make a kickback on the financing, which can mean anywhere from a few hundred to a couple thousand dollars extra going back to the dealership on the back end, in the form of a referral fee from the bank. When you're paying cash, they're guaranteed not to get this fee - and as a result, they tend to have less wiggle room in the price.If you're trying to negotiate price, I've found it's better to do it before bringing up payment. If they ask how you're paying, just tell them you aren't sure yet - they aren’t expecting you to be a cash buyer, so when they hear that they will just think that means you haven’t arranged financing yet. If they push you to fill out a credit app before a final price has been agreed, push back and tell them you aren't going to bother with that until you know what the final price is.Walking in announcing you're a cash buyer limits your negotiating power - if you aren't ready to make a reasonable up front offer, don't reveal you're paying cash until the last possible moment. Truth be told, even then it won't always work - franchise dealerships will usually honor the agreed price, but I've had small and classic dealers back out of a deal once they found out I was paying cash, and claim they can't sell me the car at the agreed price unless I used their financing.Today I don't really haggle anymore. I pick my target number after doing my homework and walk in with a take it or leave it offer, “I need to be at $X out the door including all fees, cash deal, no trade. Talk to your manager and see if he will take it, I can't go any higher.” If they come back higher, walk away. Sometimes they take it, sometimes they don't.Sometimes they’ll tell you that you should finance it and then just pay off the loan (so they can get their commission), but don’t do this since most auto loans have an early payoff penalty - usually equivalent to the commission they paid the dealer.
How do I fill out the MHT-CET MBA exam application form in detail?
DTE Maharashtra has discharged MHT CET 2021 application form as on January 18 in online mode, can be filled by competitors by following the means said in how to fill MHT CET application frame 2021. Applicants who need to enlist themselves for the selection test should take after the means as given in how to fill MHT CET 2021 application form to maintain a strategic distance from oversights and entire method to go smooth and bother free. The means to fill the application type of MHT CET 2021 incorporates enlistment, filling of required subtle elements, transferring of filtered reports, instalment and affirmation page download. Hopefuls are required to fill the application type of MHT CET 2021 painstakingly to stay away from dismissal by the specialists. It is essential to take the application shape filling methodology of MHT CET genuinely on the grounds that exclusive those hopefuls who will present their structures effectively will get concede cards. Such applicants who will have legitimate MHT CET 2021 concede cards will be permitted to show up in the exam.Competitors must read the means offered underneath to fill and submit MHT CET 2021 application frame in a sorted-out way:Stage 1 ‡ RegistrationApplicants should enrol themselves and give the required details. Candidate should concur whether he or she is an Indian resident or not.Proceeding onward, they will be required to fill the accompanying individual subtle elements:Full name (as showing up on the announcement of characteristics of SSC tenth or proportional exam), Father’s name, Mother’s first name, Last name, Gender, Contact Information, Address for correspondence, House No/Street, Area Name, Town/City , State, District, Pin code, Country, Mobile Number, Primary Email Id (Email will be sent to this email ID), Alternate Email Id (Parent’s Email ID, if accessible), Contact Telephone No. (with STD Code), Permanent Residence in Village/Town/City, Domicile of Maharashtra/Disputed Maharashtra Karnataka Border (MKB)/Outside Maharashtra, Reservation, Category of competitor (Caste perceived in Maharashtra state), Candidates having a place with SC, ST, VJ(A), NT(B), NT(C), NT(D), OBC and SBC classes must have their individual standing authentications, Candidates having a place with Non Creamy Layer (NCL) should create substantial testament upto March 31, 2021. Other DetailsRegardless of whether the candidate has a place with ‡ PWD class or not (competitors qualified who are qualified under this classification ought to have under 40% incapacity), visually impaired, low vision. Orthopedically debilitated and competitors influenced with Cerebral Palsy and Dyslexia, who are not in a situation to compose, can benefit a copyist/author for the MHT-CET 2021 examRegardless of whether the applicant is a J&K vagrant or notReligionOther placement tests that applicant has enrolled for (JEE Main/NEET/None)Add up to Annual Family IncomeAadhaar NumberFinancial balance DetailsName of the record holder according to Bank recordName of the BankName of the Bank BranchKind of Account (Savings/Current)Financial balance NumberIFSC CodePoints of interest of HSC (twelfth/Equivalent Examination)Regardless of whether hopeful has passed/showed up for confirmation in Pharmacy (just for Biology applicants)Place from where hopeful has finished HSC (twelfth)/proportional exam showing up/Passed from school/Jr. School arranged (Maharashtra/Outside Maharashtra)Subtle elements required for MHT-CET 2018Subjects for CET examination (Physics, Chemistry, Mathematics, Biology)Dialect for the exam (English, Marathi, Urdu)Enter secret keyCompetitors should make a secret word (least 8 and most extreme 15 characters and should have one capitalized, one lower case and one numeric)In the wake of entering the secret key, competitors should affirm it. This secret word will be utilized for future logins.Statement by the hopefulApplicants should read the revelation composed and after that tap on “I Agree”Applicants need to enter the security key as gave and after that tap on “Next” catchStage 2 ‡ Confirmation and SubmissionIn the wake of filling the previously mentioned subtle elements, hopefuls will have the capacity to check the data filled and alter certain things in the application frame.Applicants can backpedal and change or alter the accompanying particulars (as noticeable in green shading) before accommodation:Exam focusSubjects pickedDialect of the examIndividual with handicap choiceIn any case, there are particulars (as unmistakable in blue shading) that can’t be altered at this stage once submitted:Father’s nameLast nameDate of birthVersatile numberEmail IDSubsequent to rolling out the improvements, if required, hopefuls should present the shape.Stage 3 ‡ Application number gotApplicants will get a message on the screen in regards to effective enlistment for MHT CET 2021 with their application number. A similar number will be sent to them gave email ID. Competitors can see and check their entered data in this progression.Stage 4 ‡ Edit and Upload photo and markApplicants will have the capacity to alter the points of interest they have filled in the application frame. In any case, regardless they won’t have the capacity to alter their full name, father’s name, last name, date of birth, versatile number and email ID. In the event that candidates would prefer not to alter any points of interest, they can move to the subsequent stage of transferring their photo and mark in the arrangement recommended by the experts.Stage 5 ‡ Uploading photo and markApplicants should transfer their current identification eshading photo and mark in the configuration given in the table underneath. On the off chance that, applicants are not ready to transfer the right photographs/marks, they should reload the right records and afterward transfer.Stage 6 ‡ VerificationCompetitors will get a message on their screens with respect to fruitful transferring of photo and mark. They will likewise have the capacity to see a connection saying ” Click here to make payment “. Applicants should tap on the connection to enter the instalment entryway.Stage 7 ‡ Payment gatewayHopefuls will have the capacity to see every one of the subtle elements filled by them alongside their transferred photo and mark on their screens. The application expense sum will likewise be noticeable in this progression, which they should pay in the wake of perusing the revelation. It is to noticed that competitors will have the capacity to change their subjects they are applying for.Applicants will have the capacity to influence application to charge payment through credit/check card, net saving money, plastic (ATM PIN), wallets and then some. They should influence instalment of the application to sum with comfort charge and expense.After instalment of utilisation charge, competitors will have the capacity to see a message on their screen with respect to accomplishment of exchange. Applicants must remove a print from this page.Stage 8 ‡ Acknowledgment pageCompetitors must take a print from the affirmation page and keep it securely for some time later.Hope this Helps!!
What is it like to be a geek in a prison?
I'm a hacker who served 4.5 months of a 9 month sentence 5 years ago. I was in two jails in that time, spending the majority of the time in the second, lower security place. The experience totally changed me, but in a positive way.First of all, I actually had a lot of fun in jail. My education made certain aspects of the prison system very easy for me to navigate, such as legal documentation and debating with guards. My ability to mend broken electronics very quickly became known. These things made me feel very safe, since people were actively protecting me. It also made me feel quite important in the community.It started when someone came to me and asked what I knew about mending mobile phones. In UK jails, many people have mobiles, usually obtained by over-the-fence smuggling. Pay-as-you-go credit vouchers are a major form of currency. This guy was very important on the wing - he had a crew of other guys who walked around with him and people often came to pay him. I said I knew enough about phones, and what did he want? He explained that someone had owed him money but couldn't pay. He'd taken the guy's phone as payment, but the phone was pin-locked and he couldn't get in. The phone was an old Samsung, one which I knew (having previously owned one) didn't impose any limit on the number of pin attempts. So I told the guy: yeah, I know a few tricks. But I need to get my tools out so I'll do it overnight. (Note: I didn't have any tools). The guy left me with the phone overnight, and I sat up through the night to try all 10,000 possible 4-digit combinations. Thankfully, the correct code turned up in the mid 2000s. So the next day this guy turned up and was amazed that I had figured out the code. He went round telling everyone that I was some tech wizard and that people should always come to me with their problems. In return for the job he arranged for me to have a Playstation 2 in my cell for two weeks, and to get access to a phone whenever I wanted. For the rest of my time, people would bring me trivially broken electronics and I would retire for the evening to make it out like I was doing something difficult, then return the fixed item the next day. It massively increased my quality of life in there.Secondly, it opened my eyes to how people less fortunate than me live their lives, and how terrible the prison system is for most people. Many, many people in jail were severely mentally ill. There was no support for them. Some were killed in jail, either by inmates or staff, because they flipped out and people got scared. Another large group of people were hopelessly addicted to very harmful drugs. People who exploited this group were the most powerful - they would have drugs smuggled in, then build an army of addicts who would do their bidding to get the next fix. It was a really explosive situation. Almost every act of violence was drug debt related. Immigrants were completely screwed in jail, because there was no way for them to navigate the bureaucracy. I helped several people avoid deportation, including one cell-mate who had a hit contract out on him in Jamaica because he defended his business when yardies tried to extort him. He couldn't read or write, so he couldn't fill out the asylum application. His patois was so strong that his lawyer couldn't really understand what he said, and the border agency was going to send him back to Jamaica to be killed. I wrote letters to the border agency, the prison governor and the home secretary and he was granted asylum and an interpreter was arranged so that his legal visits would be more productive. Hundreds of others in similar situations go without that help every year.Thirdly, I saw some horrible things. For example: 'syruping' - when someone mixes sugar into a bucket of boiling water and dumps it on someone's face. The dissolved sugar makes the boiling water cling to the skin longer, and the skin peels off leaving the raw flesh exposed. I also saw someone held down by four guys, who performed anal surgery on him with a sharpened spoon to extract drugs he was hiding. He later maimed all four of his assailants, stabbing them in the neck with a pen (saw that too). Another was a guy who was clearly paranoid schizophrenic. His cell was opposite mine. He started screaming one night and barricaded himself in. He then stripped off and covered himself with baby oil, and started setting fire to his cell. The guards came in riot gear to tackle him, but he was so slippery it was like trying to catch an eel. He gave them the run around for quite a while before they eventually held him down and injected him* and he was carried away screaming. He died in hospital.Fourthly, I felt so ashamed of myself that I changed my life forever. I was a middle class white kid with a great education who got obsessed with hacking and document security as a teenager and went down for figuring out how to replicate the driving license, thus throwing away many of the advantages that luck, society and my parents had given me. Everyone else in there had no such advantages. Most of them were born to a life where poverty, drugs, violence and lack of education all being concentrated in their environment led to them being systematically channeled into prison. I was there essentially through misplaced intellectual curiosity, while others were there because their lives were so bad out of jail that crime was actually a rational survival choice. Society failed them, while it tried to hold me up with both hands. I was, and am, disgusted with myself. Upon leaving jail I learned programming, worked freelance to pay for my tuition while I got a degree, got a PhD position, and am now working towards spending my life using my skills as efficiently as I can to improve the lives of as many people as possible. If I ever have a lazy moment, I just have to cast my mind back to prison, and the disgust with myself rises up again, and I launch myself back into work with an energy I never knew I had before prison.Finally, I would say that my criminal record has not held me back. I no longer have to legally disclose it**, but when I did I always did so with a letter explaining some of the circumstances and how deeply it had affected my life. I had several positive comments about my disclosure, and I have never been turned down for a job I've applied for. It doesn't have to hold you back - your attitude has to convince a potential employer that your background makes you a great candidate, not a worse one.*This has been corrected: In my haste to write the post I previously wrote that a dart was used, when in fact it was a needle. Thanks to Marty Bee for pointing out that this was not likely.**For those who are curious, a conviction becomes 'spent' in the UK after a certain time. The times were recently reduced in a little publicised law (Legal Aid, Sentencing and Punishment of Offenders Act 2012), so my conviction was 'spent' after 48 months.
How do I fill taxes online?
you can file taxes online by using different online platforms. by using this online platform you can easily submit the income tax returns, optimize your taxes easily.Tachotax provides the most secure, easy and fast way of tax filing.
How do I fill out the income tax for online job payment? Are there any special forms to fill it?
I am answering to your question with the UNDERSTANDING that you are liableas per Income Tax Act 1961 of Republic of IndiaIf you have online source of Income as per agreement as an employer -employee, It will be treated SALARY income and you will file ITR 1 for FY 2017–18If you are rendering professional services outside India with an agreement as professional, in that case you need to prepare Financial Statements ie. Profit and loss Account and Balance sheet for FY 2017–18 , finalize your income and pay taxes accordingly, You will file ITR -3 for FY 2017–1831st Dec.2021 is last due date with minimum penalty, grab that opportunity and file income tax return as earliest
How does Gust Launch compare to Stripe Atlas, Clerky or Lawtrades for startup incorporation?
Great question, because while all four services can be used to start a business, they each come at it from completely different directions, and therefore do different things.As the CEO of Gust, I obviously am not a disinterested party, but let me take a crack at describing the four different approaches. (By the way, these are all reputable services, have all helped many companies get started, and can all pryou with value, depending on what you're looking for.)LawTrades is a referral service that provides useful background information and educational materials on starting up a business, connects you with experienced, cost effective, attorneys, and then gets out of the way. You fill out an online form indicating what you want legal help with, and LawTrades returns a price quote from one of the attorneys in its network. Once you accept it, you deal directly with the attorney on that matter. Because of this, the attorney can help incorporate you as a C Corp or an LLC, in Delaware or any other state, and do as much or little of the paperwork and process as you are interested in paying for.Clerky is an online solution for automated legal paperwork for startups. Intended as an alternative to engaging an attorney, the site requests information from you, fills out the forms needed to set up a company as a Delaware C corporation, and then passes them to a third party partner in Delaware to file them with the state and serve as your Registered Agent. Additional optional services include post-incorporation paperwork and Foreign Qualification in your home state.Stripe Atlas is a service of Stripe, the online payment processing company. Designed initially for international founders seeking to set up a US corporation, it is beginning to expand to US founders, but requires you to apply and be accepted. Similar to Clerky, it fills out the paperwork and submits it through a partner Registered Agent in Delaware for filing. But it then goes a number of steps further, arranging to open a bank account for the newly formed company, setting up a payment processing account with Stripe, and providing access to some optional startup services, including a library of legal forms and startup credit for online web hosting.What all three of these offerings have in common is that they are one-time, transactional services designed to simplify the company formation process. Costs for all them will fall somewhere in the range of $500–$1500 (depending on which one, and which optional services you choose.) When you complete the process, you will be incorporated and sent off into the world, ready to move on by yourself knowing that you are starting with a clean corporate structure.Gust Launch is something completely different. Rather than a one-time transaction, it is an ongoing SaaS platform that is actually a Company as a Service™. With Gust Launch, all of the company formation services described above (and quite a bit more) are effectively thrown in at no cost, included in an ongoing services platform that will function as the legal, financial, accounting and operating backbone of your company, from before you start until your eventual exit.At a cost as low as $300, Gust incorporates you as a Delaware C Corp (directly, Gust itself is a Delaware Registered Agent), files with the IRS for your tax ID, files your Foreign Qualification in your home state, handles all of your post incorporation legal setup, opens your bank account, establishes your cap table online, and provides the ongoing legal document services necessary to keep everything accurate, coordinated and investor-ready.When you’re ready to start full operations, additional modules can be added on to prexactly the functionality you need, from introductions to top tier lawyers who will pryou with one free hour of legal services each month to all of the financial setup and operations for a pre-revenue company, and eventually to the accounting, payment processing, billing and bookkeeping needed for revenue-generating companies.By establishing and maintaining your startup on a standardized, auditable, managed platform for all of its legal, equity, accounting and financial needs, the effect of Gust Launch is to prepare and support the company for growth, scalability and an eventual exit.