Authorization Letter As A Pensioner: Fill & Download for Free

Well this is the letter and I have to admit Neil Armstrong was a deeply private person and I know that Buzz Aldrin frequently gets so tired about the questions on the moon lands he gets a glazed look. Buzz of course did end up punching a particularly annoying skeptic because he called him a liar and demanded he place his hand on the bible. The best punchline |I saw for that was “One small punch for a man, one giant blow for common sense.Still here is the letter that was written to Neil Armstorng and it is no surprise that he replied to the skeptic. Still coming from near where the Armstrong clan come from I would have lthought the skeptic to have the same fate as a knight who raped an Armstrong girl : they melted him by wrapping him in sheets of lead (by the way I had a troll ranting about this : failing to grasp they did that in the 14th Century some people can’t appreciate irony)Anyway I suspect the author of the letter is British by the use of British spellings “centre” and the use of the term “pensioner” while an American would have used senior citizen or retiree. Then there is the prose which is very British and there is difficulty with grammar, and even more with critical thinking and standards of evidence. It is the smugness that the author had that may have been the reason why Neil Armstrong replied with what is a classic example on how to reply to these people.I think Neil Armstrong completely owned the Mr Whitman, anyway you will find a lot more about Neil Armstrong in the book A Reluctant Icon: Letters to Neil Armstrong edited by James R. Hansen, I have not got any commercial interest in the book, but it is an interesting read.

Atal Pension Yojana was launched by Prime Minister of India Sh. Narendra Modi on May 09, 2015. This scheme was launched along with 2 other insurance schemes i.e. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY). Atal Pension Yojana is a social security scheme. There are lot of articles on Atal Pension Yojana in the internet and I have compiled the information from all these sites and presented it in an easy way. From this you will get a clear idea on what it is.Why Atal Pension Yojana was introducedI do my MBA right now and I have met lot of students. A large number of them are behind Government Job’s. Even one of the senior HR’s in a reputed IT company, which once interviewed me also resigned from there when he got a government job even though if the salary was less compared to his present job. What matters a lot for them is the job security and obviously the attractive pension scheme and privileges which they get after retirementThere was a time when getting a government job was easy as there was no demand for service jobs. But now at present the demand is too high. Even people with phD’s try for government jobs.People who work in the private sector or employed in occupations that do not give them the benefit of pension can apply for the scheme. They can opt for a fixed pension of INR 1,000 or 2,000 or 3,000 or 4,000 or 5,000 on attaining the age of 60. The amount of contribution and the individual’s age will determine the pension. Upon the contributor’s death, the spouse of the contributor can claim the pension and after the spouse’s death the nominee will be returned the corpus accrued.In short, the future job boom will be for people in unorganized which includes semi skilled people. Not many people will be willing to take a job in the unorganized sector until unless there are Financial Benefits & Social Security attached to it. So this scheme is introduced for them.Summary of Atal Pension Yojana1. A Pension Scheme for unorganized sector workers.2. Min and Max age of entry under Atal Pension Yojana is 18 years and 40 years.3. Pension will start at the age of 60 years.4. Premature withdrawal is allowed only in case of a death of a beneficiary or terminal disease.5. Depending on the contribution of a beneficiary, under Atal Pension Yojana there is a guaranteed pension of Rs 1,000 to Rs 5,000 per month in the multiples of 1000’s.6. Monthly contribution to Atal Pension Yojana is allowed7. In case of discontinuation of payment:After 6 months, account will be frozenAfter 1 years, account will be deactivatedAfter 2 years, account will be closed8. The beneficiary should not be covered under statutory social security scheme of Govt of India.9. The subscriber can opt for nomination facility.10. Govt will contribute 50% of the total contribution or Rs 1000 per annum, whichever is lower to Atal Pension Yojana Accounts opened on or before 31st Dec, 2015. This contribution will be for 5 years from 2015-16 to 2019-20. The beneficiary should not be an income tax payer to avail Government co-contribution.11. Registered beneficiaries of Swavalamban Yojana aged between 18 – 40 will be automatically migrated to Atal Pension Yojana with an option to exit.12. An individual can open only 1 account under Atal Pension Yojana.3. Official website of Atal Pension Yojana scheme ishttp://www.jansuraksha.gov.in/14. You can call on following toll-free no’s to get scheme detailsNational Toll-Free – 1800-180-1111 / 1800-110-001To know helpline no of your state, Click Here15. The forms of Atal Pension Yojana are available in 9 languages. To download the form, Click Here. Sample English form is as follows.16. To open an account under Atal Pension Yojana, contact your bank and provide APY application form, Aadhaar number and mobile no.17. If you don’t have a bank account then open the new bank account by submitting KYC documents, Mobile no and Aadhaar number along with application form of Atal Pension Yojana. You cannot opt for this scheme without bank account details.18. You also need to provide authorization letter to set up auto debit facility and Spouse / Nominee details. The only mode of contribution to this scheme is through the auto debit facility from the bank account. Cash / Cheque / DD / Online Payment or any other mode of payment is not available as of now.19. There is no tax deduction available on the contribution towards Atal Pension Yojana. Pension received will be taxable as an income from salary.20. If you are an existing EPF account holder then you cannot opt for co-contribution from Govt’s end.21. Aadhaar number is not mandatory to open an account under Atal Pension Yojana though it is desirable that it should be provided.22. The beneficiary will receive SMS alerts related to account details/activity. He / She will also receive a physical statement at regular intervals.23. On death of a beneficiary before attaining 60 years of age, the nominee will receive monthly pension and will also receive lump-sum amount depending on the pension amountMonthly Pension of Rs 1000: 1.70 lakhMonthly Pension of Rs 2000: 3.40 lakhMonthly Pension of Rs 3000: 5.10 lakhMonthly Pension of Rs 4000: 6.80 lakhMonthly Pension of Rs 5000: 8.50 lakh24. The monthly contribution can be changed once in a year for higher / lower pension amount.25. There is no fixed due date for auto debit of the monthly contribution. Bank can recover the contribution any day during the month as and when the funds are available.Few Concerns1. Any social security scheme in India is prone to misuse. Though the government is creating a centralized database of all the beneficiaries under Atal Pension Yojana. If the misuse of this scheme is not controlled then it might be a nightmare to control the pension outflow or settle insurance claims. Best examples of misuses are MGNREGA or leakage of LPG subsidy (Which is fixed to a large extent). The probability of misuse is high as there is a lump sum payment on the death of a beneficiary & pension. Therefore, a person may enroll for all 3 new launched social security schemes to avail the benefits.2. Inflation: Though a pension of Rs 5000 may sound decent today, but the scheme has not considered inflation adjustment. A pension of Rs 5000 after 20 years might not be sufficient to survive for few days due to inflationary pressures. An inbuilt mechanism should be there to adjust the contribution and pension amount to account impact of inflation.3. Legal Disputes: As i observed that in most of the cases there is a dispute at the time of insurance claim settlement. As per the rule, the nominee is only the custodian of the insurance amount received. The amount is passed on to the either legal heirs of the deceased as per Succession Act or as per the WILL of the deceased. It may be an operational nightmare for banks to handle such cases under Atal Pension Yojana.4. Rich Non-Tax Payers: Though scheme is for non-tax payers but what about non-tax payers like rich farmers or a rich businessman involved in small business activities. It will be sort of double bonanza for them. At a macro level, salaried class taxpayers are excluded from the Atal Pension Yojana.Have done lot of Research on this. Feel free to ask if you have any queries.Sourcehttp://sanoobsidiq.com/blog/social-security-scheme-atal-pension-yojana

Let me tell you about the dark horse that almost no one knows about, but single-handedly turned the tide of World War II. The biggest reason why D-Day eventually succeeded was because of this man. The reason why Germany never shot down another plane was because of him. There’s much more to this man than on the surface.The man’s name is Juan Pujol Garcia:In 1931, he did his mandatory 6 months of militial service. He hated his job and wanted to get out of there as soon as possible, even claiming to lack the “essential qualities of loyalty, generosity, and honor”. Who does that?!He was called for service for the Republican Party but hated them due to their treatment towards his family. He hid and was caught, imprisoned for a week, and then was freed by the traditionalist group Socorro Blanco. They produced fake papers saying he was too old to enlist in the military.He re-joined the Republican party (not sure why) later and then deserted to the Nationalist side, where he found he really didn’t like their ideas and morals as well. After experiencing both sides, he hated communism and fascism, the two government structures in the Soviet Union (blyat) and Germany (wienerhaus), respectively.When WWII started, he had the intention of becoming a spy for Britain. Three times he went to enlist, and three times they turned him down. This did not deter him, as he only decided to become a German Agent and then go to Britain to become a spy for them.Garcia was accepted by Germany as an agent. He could travel to London on official business, and got a fake Spanish passport to make them believe he worked for the Spanish embassy in Lisbon. He contacted an Abwehr agent and was given spy training, money, and other resources, then was instructed to go to Britain to recruit agents.Instead of going to Britain, he remained in Lisbon, and using various tools and guidebooks from Britain, he created convincing reports of what he was doing. He claimed not to know how to file expenses, so he said he would do it later.During this time, he created an ENTIRE NETWORK of fictitious agents and spies he had “recruited”. He managed 27 FAKE agents at one point, some even getting paid salaries.Garcia eventually approached the US looking for a job as a double agent. They referred him to Britain’s famous MI5, who saw his potential and recruited him after “someone” had misinformed the Kriegsmarine that there was a convoy that needed to be hunted down.He was later moved to Britain, and began his work. His code name was originally called “bovril”, but was later changed to “Garbo”, after Greta Garbo, the “best actor in the world”.MI5 officer Tomas Harris was assigned to work with Pujol, since he only spoke spanish. Together, they wrote about 315 letters, averaging 2,000 words. He gave them so much that they never recruited again in Britain.In the letters sent, there was a mixture of straight fiction, information with little to no value, or valuable information that had been delayed. After one specific battle, the Germans sent back a reply stating, “we are sorry they have arrived too late but your last reports were magnificent”.He sometimes had to fake why reports were late, such as falling ill, or even dying. They had a fake obituary put in the newspaper just for the sake of tricking the Germans. They also were persuaded to pay a pension for the widow.For radio communication, the Germans gave Garcia their most secure and best hand encryption tool they had. This was key in helping the British crack the code.In January 1944, the Germans believed there would be a large scale attack in Europe, and asked to be kept informed. The invasion was Operation Overlord, or the infamous D-Day invasion. Garcia’s mission was to conceal Overlord with Operation Fortitude, tricking the Germans into thinking that D-Day was a bait and switch.He sent a messaged passed to Hitler and the Oberkommando der Wehrmacht (OKW, German high command) that there were a lot more troops than there actually were. The deception was supported by fake planes, inflatable tanks, and vans transmitting signals with bogus talk.Garcia told the OKW that there was going to be a diversion at the beaches of Normandy, but the real attack was going to be at Pas de Calais. The OKW believed Garcia so much that they stationed most of their troops there and they kept the troops there after D-Day resulted in a defeat for the Germans.Overall, the Germans paid Pujol and his network of spies US $340,000, which at one point totaled 27 agents.Under his code name Alaric for the Germans, he received the Iron Cross award, usually given to front line fighters and required Hitler’s authorization.Under his code name Garbo for the Allies, he received an MBE from King George VI.The Nazis never realized they had been fooled, and he’s been one of the few or even the only person to receive medals from both sides.Fearing reprisal from the Nazis, he faked his death from malaria and moved to a remote location running a book shop and a gift shop. He was later called back 40 years after WWII had ended to tour the beaches of Normandy and pay respects to the dead.This guy is a god.