Practice Teaching Banking Details Form: Fill & Download for Free

Rules Of EPF WithdrawalYou can withdraw your EPF amount if you have completed more than two months of service.You can withdraw if you have not got any job till two months after the resignation.You can also withdraw some amount of PF in the certain situation.Your employer should send the attested form of the EPF withdrawal within one week of submission.If you withdraw PF before 5 years of continuous service, the PF amount will be taxable.The Harassment of EmployersThe rules do not state that an employer can hold the EPF amount of an employee. But, Many employer do not approve the EPF withdrawal form to arm-twist the employee. The employers try to enforce the notice period against the signature on EPF withdrawal form. This illegal practice is very common among errant employers. Due to this the employee suffers. Are you also one of them?You Can Get PF Without Employer SignatureFortunately, the things are getting better. EPFO is really trying hard to contain the high handedness of the employer. First it was online PF transfer, which eased the PF account transfer very easy. Second, It came with Universal Account Number which made EPF transfer an easier process. Now it, has also made the EPF withdrawal without employer approval a cakewalk. The UAN has made EPF withdrawal very easy. There are two methods to withdraw EPF without employers signature.1. EPF Withdrawal Who has Given Adhaar NumberEPFO has introduced the Adhaar linked EPF withdrawal. This method of EPF withdrawal do not require any authentication, forget about the employer. It is as easy as filling bank withdrawal slip.But, to avail this super easy facility, you must fulfill these conditions.You must have the UAN. UAN is allotted by the EPFO. You can check UAN. Even, you can generate UAN as well.You must have given the bank account and Adhaar number linked to UANThe employer should have verified the Adhaar number of the employee.This process of EPF withdrawal do not ask anything related to your identity and KYC details. The EPFO verifies your identity with Adhaar data and deposit the money into the account authenticated by the employer. The employers are asked to verify the bank details and Adhaar number while you are in the service.Steps to EPF WithdrawalIt is really very easy.Download the form for PF withdrawl. This form is separate from the regular Form 19, Form 10C and form 31. The new forms are simplified and contains very few fields.In these form you need to fill the mobile number, name, UAN, Address, Date of leaving, reason of leaving, and PAN. To withdraw the EPF amount only, you should fill the ‘Form 19 UAN’.Attach a canceled cheque along with these forms.Submit the new EPF withdrawal forms and canceled cheque to the regional EPF office.Note, you have to keep in mind that EPFO would tally your bank account number of canceled cheque with the number mentioned in UAN database. Both of these accounts should match as EPF balance would be deposited into the bank account mentioned in UAN database.All other information given in the forms should match with UAN database. It is better if you tally the form with UAN account before depositing the form.2. EPF Withdrawal Who has Not Given Adhaar NumberThis is old method of EPF withdrawal without employer’s signature. This method is still valid for those who don’t fulfill the criteria of the above method. In this method, you have to verify your identity. Since, employer do not verify, You have to attest your EPF withdrawl form from other credible authorities. These authorities are –Manager of a bank.Any gazetted officer.Member of the Central Board of Trustees./ committee/ Regional Committee (Employees’ Provident Fund Organization).Magistrate/ Post/ Sub Post Master/ President of Village Panchayat/ Notary PublicAs you can see, the list is long, who can attest the withdrawal form. But in practice attestation by the bank manager is preferable. Also, Manager should be from the branch, where you maintain an account.Note that you have to take signature and stamp in every page of the application.Since this is an alternative route, EPFO does not encourage this process. Also, there is more chance of fraud as well. Hence, It asks for a letter which should state the reason of the direct application for EPF withdrawal.It is advisable to attach evidence, if any, of ‘non-cooperation’ by the employer. This will give weight to your application. Try to correspond in writing with your employer, so that you have some evidence of non-cooperationAttach an indemnity bond in a 100 rupee stamp paper. Although it is not mandatory according to rules. But you should not take any chance.Also, attach service proof. Application of one of Planmoneytax readers was rejected for the lack of service proof. Hence, you should attach copies of payslip, ID card, form16 or appointment letter from employer to substantiate your claim.Also, attach a copy of your identity proof and address proof.Other Points To Note For EPF Withdrawal Without Employer SignatureIf the bank account number would be same as with the EPF record then it will help. Try to give your salary account of the previous job.Also, If the attesting bank manager will be from the branch of your salary account branch then it would be better.PSU bank manager carries more weight.Before Jumping To The GunYou have two methods to withdraw the EPF. The method one is very easy, and everyone should go through this, whether employer cooperates or not. But, method 2 should not be the preferred route. As this method is not an easy one. Avoiding employer and going directly to the EPFO takes more time and more documentation. The probability of rejection also increases in this process.5 Tips To Avoid Direct Withdrawal Of EPF1- Try To Convince Your EmployerTry to tell your employer that it is his legal duty to sign your PF withdrawal form. He should know that you are aware of all the rules and regulation. Have some sweet talk as well it may work in 50% of the time.2- Take Present Employees In The LoopTalk in the presence of your earlier colleague who presently works there. The HR department would not like to give a bad impression to its current employees.3- Search A Mediator Who Can Talk To HR.Try to search a person in your old office who can mediate between you and the employer. Sometimes this method works better than any other process.4- Communicate In WritingDon’t talk with your employer verbally or through the phone for getting signatures in the form. Send your EPF withdrawal form through the registered post or speed post. Further communication should be also through this medium. Keep the receipt of the post as well as proof of delivery. Postal department takes 10 rupees to provide proof of delivery. It has the signature of the person who had received the post. Collect it from the post office. This will deter your employer to act arbitrarly.5- Threat Him About Legal ActionAccording to labour laws and EPF rules, it is illegal to withhold the PF money. If any employer is doing the same, then he is working against the law. You can drag him in the court as well as complain to vigilance commissioner of EPF.How To Teach lesson to Erring EmployerFile Grievance With EPFOYou can complain about the malpractice of employer to the EPFO. It is illegal to withhold the PF money of any employee, EPFO should act on it strictly. For this go through these steps.a. Please collect evidence of employer’s unsupportive behavior as much as possible.b. File grievance at the online portal of EPFO. Also, upload the copies of all of your evidence. It should be in PDF format.c. Wait for one month and check the status.d. File an RTI with EPFO and ask what action has been taken on your complaints. This will force the EPFO to act upon erring employer.Send Legal NoticeHire a lawyer and send A legal notice. You should state about all of your communication and give a copy to labour court as well. If possible, try to make a group with other harassed employees of your previous company.

The spectacle that is Frank William Abagnale, Jr.Can't believe he is not mentioned here even once. Have a feeling you've heard the name somewhere?We'll get there...Synopsis:Frank Abagnale became notorious for impersonating a pilot, a doctor, and a lawyer while in his early 20's. He was arrested at 21 by the French police, and later hired by the FBI to teach them his fraudulent tricks. He started his own consulting agency, educating corporations, financial institutions and government agencies.Early Crimes:As a teenager, Frank Abagnale got caught up in petty crimes, including shoplifting. He soon grew tired of this practice, though, and decided to move into more sophisticated forms of burglary. Specifically, Abagnale began using his father's gas credit card to make a tidy profit. Frank Jr. then convinced gas station attendants to give him a portion of his sale back in cash, and allowed them to pocket a portion of the proceeds. The scam fell apart, though, when Frank's father got the credit card bill, which topped several thousand dollars.Abagnale, then left home with $200 in his bank account and no formal education. Frank altered his driver’s license to make himself 10 years older than he was, and exaggerated his education. This helped him get better-paying jobs, but he still barely made ends meet.Using his checkbook, Frank decided to quit his job and write bad checks to support himself. Before long, Abagnale had written hundreds of bad checks and had overdrawn his account by thousands of dollars. Knowing that he would eventually be caught, he decided it was time to go into hiding.Impersonations:Frank realized that he could cash more bad checks if he dazzled bank tellers with a new, more impressive personality. He decided pilots were highly respected professionals, so he schemed his way into getting a pilot's uniform. Abagnale called Pan American Airlines' headquarters and told them that he had lost his uniform while traveling. HQ told him where to go to pick up a new one, which he did—and charged it to the company using a fake employee ID.Abagnale then cleverly forged his own pilot's ID and FAA license, and then learned all he could about flying—once, by pretending he was a student doing a research paper on Pan Am, and later through stewardesses he dated while in uniform.Once Pan Am and police began catching on to Abagnale's lies, he decided to change identities again, this time becoming an out-of-town doctor taking a sabbatical in Atlanta, Georgia. When a local doctor came visiting, Abagnale thought his identity was blown—but instead he was invited to visit the local hospital, where he became a regular visitor. He used their medical library to bone up on his new role as a pediatrician, and his inquisitiveness and bedside manner landed him a temporary job supervising medical interns during the night shift. He was then promoted to resident supervisor, and given authorization to temporarily practice medicine in the state of Georgia. When his fraud nearly cost the life of a child, Frank gave up the gig and left town.Over the next two years, Abagnale bounced from job to job—passing the bar as a legal assistant in Louisiana; teaching sociology at Brigham Young; and pretending he was a film director. But eventually, Abagnale's past caught up with him when he settled down in Montpelier, France. He had just defrauded banks across the country for more than $300,000, and decided to live a straight life for awhile. When a former girlfriend recognized his face on a Wanted poster, she turned him in to authorities.Imprisonment and Later Life:Abagnale served time in France, Sweden and the United States for his crimes. Frank was eventually granted parole by the United States when he was 26. In exchange, the government told Abagnale that he had to educate them about his methods, in order to prevent others from defrauding the government. Frank worked for the FBI for more than 30 years as one of the world’s foremost authorities on document fraud, check swindling, forgery and embezzlement. He also started his own company, Abagnale & Associates, which educates others on how to avoid becoming fraud victims. Abagnale also wrote the books The Art of the Steal and Stealing Your Life, both about fraud prevention.In 2002, Steven Spielberg made a film about Abagnale's life, Catch Me If You Can, based on Abagnale's 1980 book by the same name. Leonardo DiCaprio starred as the famous impostor in the film!#1 Frank Abagnale#2 Abagnale & Associates#3 Page on biography.com

How about 100 tips?The following list was written quite some time ago now, by an analyst at Goldman Sachs who is also a friend of mine. At the time, he was really just reflecting on his experiences and perhaps hoped that one or two others might learn from them.However, the firm found that these simple but powerful lessons resonated so much, they took to making them available to pretty much all incoming analysts at the firm.100 Things I Learned as a Financial Analyst:1. First impressions last a long time2. Never be late3. Know your place4. Believe nothing is beneath you5. Don't wait for someone else to replace the toner6. Never complain7. Do everything with enthusiasm8. "I don't know" is a good answer9. "I don't know, but I will find out" is even better10. Knowing where to find an answer is often more important than knowing it11. Never talk business in the elevator12. Never promote yourself; let others promote you; promote others13. Under promise, over deliver14. Prioritize15. Ask for deadlines16. Organize17. Keep a to-do list18. If you think about it, there is usually an easier way19. Anticipate20. Be proactive; don't wait for someone to tell you what to do21. Know your limitations; ask for help22. Give updates23. Manage expectations24. Manage your manager25. Know when the form is more important than the function and vice versa26. Attention to detail is critical because someone will notice27. Be perceptive28. Listen carefully; read between the lines29. Ask questions30. If it's a stupid question today, it will be even more stupid tomorrow31. Read, understand, and practice the Firm's Business Principles32. Intellectual boredom is the enemy33. Seek out greater opportunity and responsibility34. Consider how you can add the greatest amount of value to the greatest number of people35. Take a step back and attempt to think of the usual things in a new, different way36. Be creative; pursue your curiosities37. Investing your own money is one of the best ways to learn about the markets38. Initiate projects which are of interest to you and of value to others39. Quality is more important than quantity40. Seek out mentors41. Choose them wisely42. Be teachable43. A good mentor will answer all of your questions - asked and unasked44. He or she will correct you45. Build relationships46. Some of the most overlooked people are the most helpful47. Treat everyone with respect48. Be humble49. Ingratiate yourself to everyone, but don't brown nose50. Take an assistant to lunch51. Do not envy52. Make an extra effort to build relationships with those whom you find difficult53. If your colleagues want you to succeed, it will be difficult to fail54. Never discuss your compensation with your colleagues55. You reap what you sow56. Build your relationship broadly57. The more people that you know throughout all parts and offices of the Firm, the greater your resources and opportunities58. Be a relationship builder; introduce people to one another59. If you're thankful, write a thank you note60. Be a team player61. Be reliable62. Be approachable63. Share information, resources and insights64. Help everyone65. Volunteer66. Perceive when others need help67. Pick up the slack68. If someone needs to be corrected, do it privately69. Communicate effectively70. Know your audience71. Utilize all means: memos, voice mail, fax, email, etc72. Be concise73. Utilize technology74. Learn how to use it75. Create new applications76. Teach others how to use them77. Recruiting is rewarding78. The candidates you recommend reflect on you79. Mentor your candidates through the process80. Diversity is achieved one recruit at a time81. Appearances are important82. Be well groomed83. Learn how to dress appropriately84. Keep a toothbrush and toothpaste in your desk85. Keep one umbrella at work and one at home86. Nothing substitutes for a good night's rest87. But if you're tired, caffeinate yourself88. It is much easier to dress inappropriately on a casual day89. Unethical behavior is unforgivable90. If you see something suspicious, tell someone about it91. Know and practice compliance procedures92. Admit error, don't try to cover up your mistakes93. Be honest with yourself and your colleagues and yourself94. Live a balanced life95. A successful life is more important than a successful career96. Set your priorities97. Have the discipline to live by them98. Care for your family99. Make the time to fall in love100. Read at least one book per month that has nothing to do with what you do