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From the Royal society website ElectionsTypes of FellowshipFellows and Foreign MembersEach year, the Fellows of the Royal Society elect up to 52 newFellows and up to 10 new Foreign Members.Candidates must have made 'a substantial contribution to the improvement of natural knowledge, including mathematics, engineering science and medical science'.Each candidate is considered on his or her own merits and can be proposed from any sector of the scientific community. Every effort is made to encourage nominations of women candidates and candidates from the emerging disciplines.Elections are managed through the e-Lect election system.Other types of FellowshipHonorary Fellowship is intended for those who have given distinguished service to the cause of science, or who have brought great benefits to science, but who do not have the scientific achievements of the kind required of those who could be elected as Fellows or Foreign Members. Honorary Fellows include Bill Bryson and Professor Lisa Jardine.Prior to 1996 there were no Honorary Fellows, but there was a way to be elected to the Fellowship under what were known as 'Statute 12 arrangements'.Finally, the Council of the Royal Society can recommend members of the UK Royal Family for election to the Fellowship as Royal Fellows.NominationEach candidate for Fellowship or Foreign Membership must be nominated by two Fellows of the Royal Society, who sign a certificate of proposal. The certificate includes a statement of the principal grounds on which the proposal is being made and is available for inspection by other Fellows. The completed certificate of proposal must be received by 30 September each year.The President of the Royal Society may additionally encourage suggestions for candidates from Vice-Chancellors of universities and Chairs and Chief Executives of Research Councils. These suggestions must also be received by 30 September each year.From 2013, four Temporary Nominating Groups identify candidates in areas where the Fellowship is under-represented, covering industry, clinical science, female candidates and 'General' or 'Honorary' candidates. Candidates proposed in this way then go through the normal election process.The proposing Fellows are responsible for informing the candidate that he or she has been nominated. The proposers must ensure, in consultation with the candidate, that all information relevant to the nomination is up to date.There is no limit on the number of new nominations made in any year. There were 654 candidates for election as Fellows in 2015, and 106 candidates under consideration for Foreign Membership.Once nominated, candidates remain eligible for election for seven years. If not elected within this period, an individual may be proposed as a candidate again after a break of three years and then remains eligible for election for a period of three years. This three year cycle may be repeated without limit.The Society does not provide details of the identities of nominated candidates to anybody outside the Fellowship, except those individuals consulted in confidence during the refereeing process.Fellows who wish to nominate a candidate should use the online election system e-Lect or log into the eFellows Room to download the appropriate forms and guidance notes.SelectionThe Council of the Royal Society oversees the selection process. Two Officers, the Biological Sciences Secretary and the Physical Sciences Secretary, are responsible for the smooth running of this process. The Council appoints 10 subject area committees, known as Sectional Committees (PDF), to recommend the strongest candidates for election to Fellowship.Each candidate is considered by the relevant Sectional Committee on the basis of a full curriculum vitae, details of their research achievements, a list of all their scientific publications and a copy of their 20 best scientific papers. Members of the Sectional Committees vote in early March each year to produce a shortlist. Sectional Committees also recommend candidates for Foreign Membership.The final list of up to 52 Fellowship candidates and up to 10 Foreign Membership candidates is confirmed by the Council in April and a secret ballot of Fellows is held at a meeting in May. A candidate is elected if he or she secures two-thirds of votes of those Fellows present and voting.Of the up to 52 candidates nominated for Fellowship, a maximum of 18 Fellowships can be allocated to candidates drawn from Physical Sciences, up to 18 from Biological Sciences, up to 10 from Applied Sciences, Human Sciences and Joint Physical and Biological Sciences, and a further maximum of 6 ‘Honorary’, ‘General’ or ‘Royal’ Fellows.AdmissionNew Fellows are formally admitted to the Society at the Admissions Day ceremony in July, when they sign the Charter Book and the Obligation of the Fellows of the Royal Society.The Obligation reads as follows:'We who have hereunto subscribed, do hereby promise, that we will endeavour to promote the good of the Royal Society of London for Improving Natural Knowledge, and to pursue the ends for which the same was founded; that we will carry out, as far as we are able, those actions requested of us in the name of the Council; and that we will observe the Statutes and Standing Orders of the said Society. Provided that, whensoever any of us shall signify to the President under our hands, that we desire to withdraw from the Society, we shall be free from this Obligation for the future.'

ESI Registration Procedure: Documents RequiredThe following documents are required for registering under the ESI scheme:1. A registration certificate or a license obtained under Shops and Establishment Act or Factories Act;2. Certificate of registration (Memorandum and Articles of Association in case of a private limited company, partnership deed for LLPs, etc);3. Certificate of registration for all entities and commencement of production for factories;4. A list of employees with their monthly compensation, in detail;5. A list of directors, partners and shareholders of the company;6. The PAN card of the business and address proof of the establishment/firm;7. Bank statements of the organization, with evidence of commencement of operation.ESI Registration Procedure: Steps Involved1. Once the documents are ready, the company can apply for registration by submitting the Employer’s Registration Form (Form-1).2. A PDF format of the form is available on the website. Fill in the form and submit it to ESIC for registration on the official website.3. Once verified, a registration number, a 17-digit unique identity will be provided to the organization. The ESI filings can be done once you receive the 17-digit number.4. Employees registered under the scheme get an ESI card after submitting a form with photographs and details of family members.5. Although the registration is permanent, and the number is valid for the lifetime of the company, any new changes, such as employee additions, need to be intimated to the ESI.Documents for ESI ReturnsThe following documents must be maintained regularly for filing ESI returns.1. Attendance register2. Register for Form 63. Register of wages4. Register of any accidents on the premises5. Inspection book6. Monthly challans and returns submitted for ESI

About Home LoansVA helps Servicemembers, Veterans, and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.VA Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms.BenefitsPurchase Loans help you purchase a home at a competitive interest rate often without requiring a downpayment or private mortgage insurance. Cash Out Refinance loans allow you to take cash out of your home equity to take care of concerns like paying off debt, funding school, or making home improvements. Learn MoreInterest Rate Reduction Refinance Loan (IRRRL): also called the Streamline Refinance Loan can help you obtain a lower interest rate by refinancing your existing VA loan. Learn MoreNative American Direct Loan (NADL) Program: helps eligible Native American Veterans finance the purchase, construction, or improvement of homes on Federal Trust Land, or reduce the interest rate on a VA loan. Learn MoreAdapted Housing Grants: help Veterans with a permanent and total service-connected disability purchase or build an adapted home or to modify an existing home to account for their disability. Learn MoreOther Resources: many states offer resources to Veterans, including property tax reductions to certain Veterans. Learn MoreEligibility RequirementsYour length of service or service commitment, duty status and character of service determine your eligibility for specific home loan benefits.Purchase Loans and Cash-Out Refinance:VA-guaranteed loans are available for homes for your occupancy or a spouse and/or dependent (for active duty service members). To be eligible, you must have satisfactory credit, sufficient income to meet the expected monthly obligations, and a valid Certificate of Eligibility (COE). Learn MoreInterest Rate Reduction Refinance Loan (IRRRL): The IRRRL is a "VA to VA" loan, meaning it can only be done if you have an existing VA guaranteed loan on the property. The IRRRL is generally performed to lower the interest and reduce the monthly payment on the existing VA guaranteed loan. Learn MoreNative American Direct Loan (NADL) Program: The NADL program helps Native American Veterans purchase, construct, improve, or re-finance a home on Native American trust lands. Your tribal organization must participate in the VA direct loan program. You must have a valid Certificate of Eligibility (COE). Learn MoreAdapted Housing Grants: VA helps Veterans with certain total and permanent disabilities related to your military service obtain suitable housing with either a Specially Adapted Housing (SAH) or Special Housing Adaptation (SHA) grant. Learn MoreHow to ApplyPurchase Loan & Cash-Out Refinance: VA loans are obtained through a lender of your choice once you obtain a Certificate of Eligibility (COE). You can obtain a COE through eBenefits, by mail, and often through you lender. Learn MoreInterest Rate Reduction Refinance Loan: A new Certificate of Eligibility (COE) is not required. You may take your Certificate of Eligibility to show the prior use of your entitlement or your lender may use our e-mail confirmation procedure in lieu of a certificate of eligibility. Learn MoreNative American Direct Loan (NADL) Program: First, confirm that your tribal organization participates in the VA direct loan program. NADL loans are obtained through a lender of your choice once you obtain a Certificate of Eligibility (COE). You can obtain a COE through eBenefits, by mail, and often through you lender. Learn MoreAdapted Housing Grants: You can apply for an SAH or SHA grant by either downloading and completing VA Form 26-4555 (PDF) and submitting it to your nearest Regional Loan Center, or completing the online application. Learn MoreVA Home Loans HomeMy first home that I purchased, I used a mortgage broker and it was a smooth process. The mortgage broker takes all your information and shops to get you the best interest rate and issues you a document that shows you are prequalified for a loan, and how much money you are prequalified for. Then you can go home shopping to find one you are interested in, The realtor will write up an offer sheet to submit to the seller (you can find your own realtor, who can be paid out of the sellers proceeds and with a VA loan, you can go no money down and ask the seller to pay the closing costs). Having your own realtor who represents you and your interest is usually the way to go because you sit down with then and go over what kind of home you are looking for and how much you can spend then they can pull some homes to go look at. When you put an offer in on one, the seller can accept the offer, decline the offer or decline the offer and come back with a counter offer. If your offer gets accepted, it triggers a whole other process that will start, there will be an appraisal, an inspection by a VA inspector, you may have to have a termite inspection done. The appraisal should determine if the home is in a flood plain and if so, you will be required to purchase flood insurance. All the scheduling for all this is taken care of by the lender, VA and or realtor, you just wait for the outcome and once this is finished and all the outcomes are in your favor, you will get a homeowners insurance quote and give that to the mortgage broker and they will get everything over to the title agency and the title agency will call you to set an appointment for the closing where you will sign all the paperwork, when this is over and you are working out the writing cramp in your hand from all the signing and initialing all the closing paperwork, the home is yours. A VA loan is basically the VA is backing the loan so if you default on the loan, the VA will pay off the loan with the lender and then come after you for the money leaving the lender off the hook.