Pf Form 11 Old Download: Fill & Download for Free

EPF Transfer Process When You Switch jobsA common question asked by a number of EPF members is what happens to the accumulated EPF amount when they switch jobs. When a person leaves his job at one establishment and joins another establishment, he/she can either withdraw the amount or transfer it. However, it is advised to transfer the accumulated EPF into the new EPF account opened by the new employer. One should keep in mind that the UAN for one member remains the same throughout and at every other organization a new EPF account is opened under the same UAN.There are two ways to transfer your EPF to the new account- Online and Offline –How to Transfer your EPF Online?You can transfer your EPF online by logging into the UAN Member Portal. This method can be used only if you have activated your UAN and your Aadhaar is linked with UAN. If you fulfill the two requirements, follow the steps given below to transfer your EPF-Step 1- Login to the UAN Member Portal (https://unifiedportal-mem.epfindia.gov.in/memberinterface/) by entering your UAN and Password.Step 2- From the top menu bar, click on ‘Online Services’. A drop down menu will appear; click on ‘Transfer Request’. Step 3-Give the details of your previous EPF account or Member ID. Step 4- Send the EPF for digital attestation either to your current employer or previous employer. Tick on the box against the one you want. Step 5-Provide UAN and Member ID in the required fields and click on ‘Get OTP’. Once you do this, an OTP will be sent to your registered mobile number. Step 6- Enter OTP and submit. A tracking ID will be generated which you can use to track the status of your request. After submitting the online request, you have to submit the self-attested copy of your online PF transfer request in pdf format to your selected employer within 10 days. Your employer has to approve the transfer request digitally. Once it’s done, the accumulated EPF amount will be transferred to the new EPF account.How to Transfer your EPF Offline?Previously, a member was required to download Form 13 from the EPFO website and submit it with the current employer who, after verifying the details with previous employer, would approve the transfer. However, according to the latest rule, an employee can fill out the composite F-11 form at the time of joining to give declaration about the old EPF. Once the new EPF account is opened by the new employer, the old data can be fed into the system and the amount will be automatically transferred to the new account. The EPFO has also decided that the composite declaration form (F-11) will replace Form No. 13 in all cases of auto transfer.One should note that the EPF amount can be transferred only if the person has switched jobs, that is, joined another establishment. However, there may be three more scenarios -1. When the EPF member leaves the job and does not join elsewhere In case an EPF member does not join another establishment after leaving his job, he should take the following steps based on his age-If his age is below 50 years- In this case, if the person has completed 10 years of eligible service, he can withdraw the amount by filling out the composite claim form. However, pension withdrawal benefit will not be permitted; only Scheme Certificate will be issued. In case the person has not completed 10 years of eligible service, he can withdraw both the EPF amount and the pension amount along with scheme certificate. The FPS benefit will also be admissible in case of the death of the member before 58 years, even if he has not completed 10 years of eligible service.If his age is above 50 years but below 58 years- In this case the member can initiate final settlement of PF and get withdrawal benefits through the Composite Claim Form, if he has completed 10 years of eligible service. Withdrawal benefit is not permitted; only scheme certificate will be issued. In case you opt for pension, the same will be paid at a reduced rate from the date of leaving service or opted date or 50 years date, whichever is later. Only on completion of 58 years will the pension be admissible and it will be reduced by 4% for each year backward. If the person has not completed 10 years of service, he can withdraw both the EPF amount and the pension amount along with scheme certificate.If his age is above 58 years- In this case, the member can apply for final settlement of PF through the composite claim form and withdrawal of pension fund through Form 10D. If he has not completed 10 years of service at the age of 58, pension fund withdrawal benefit is not permitted.2. When the EPF member leaves the job on account of physical disability - If the member is forced to leave job on account of physical disability, there are two options based on his age-If his age is below 58 years- The member can apply for final settlement of PF through Composite Claim Form and can withdraw the pension fund by filling out Form 10D.If his age is above 58 years- If the member has left the job after completing 10 years of eligible service, he can apply for final settlement of EPF and monthly member pension through Form 10D. If he has not completed 10 years, both final settlement and withdrawal benefit can be applied for through the composite claim form.3. When the member diesIf the member is below 58 years of age and he died while in service, his nominee/beneficiary/legal heir can apply for final settlement of PF through Form 20, monthly pension through Form 10D and EDLI Insurance amount through Form 51F. Same is the case if the member has crossed 58 years of age and served more than 10 years of eligible service. If the member dies away from service before 58 years of age, his nominees can apply for final settlement of PF and Pension Fund. However, if the person died after completing the age of 58 years but did not complete 10 years of eligible service as on date of crossing 58 years of age, his nominees have to fill Form 20 for the final settlement of PF and the Composite Claim Form for the pension withdrawal benefit.Article source : paisa bazar website.Suman Aleti.

Q: Will Google’s Pixel 4 actually have a better design than the iPhone 11 this year?A: Absolutely not.In fact the Google Pixel 4 is hated by Google fan boys because it is the same phone that Google has had for years, there is no innovation and it simply is just an old phone with a new price tagThe iPhone 11 is 3 to 6 times faster than all Androids, so the Google Pixel 4 is pitifully slow compared to the iPhone 11The Google Pixel 4 has terrible security, because its based on Google’s Android operating system which has the worst privacy and security in the entire mobile marketplace200 Million Android users get infected with serious, active viruses, spyware and other malwareIn 2019 240 Million Android users got infected with serious, active viruses, spyware and other malwareAll these infections were from apps downloaded from the Google Play Store (which is how we are able to count them so accurately)Google is unable to keep Android safeApple iPhone have never had one virus and iPhone security os so gapped that the FBI complains that they can’t hack iPhones (but all Androids including the Google Pixel 4 are easily hacked)I have written about this before so I will quote myself here:There are viruses, and hacker attacks, written for the Mac, iPhones and iPads, they do exist but Apple is successful at deflecting them because Apple expends a huge effort in keeping their customers safe, protecting customer privacy via an effective multi layer defense system built into many layers of the operating system (which deflects viruses, hackers and other malware). There is no other OS with anywhere near the protection level that Apple provides. That is why you don’t see any active viruses or other hacks on Mac, iPhones or iPads, regardless of how many new strains are made.FBI Director Comey testified before United States Congress that the FBI, with the help of the other government agencies, cannot hack into iPhones, which also means that there is no way to bypass the Activation Lock/iCloud Lock, at all. He also testified that the FBI can hack all other operating systems and products, regardless of marketing claims.Companies like Cellebrite make false claims about being able to break into iPhones, the fact is that they cannot hack any iPhone that has the Secure Enclave chip, the same is true of the Manhattan District Attorney’s office who has a million dollar hacking lab, they also can only hack (All) Androids they cannot hack any iPhone that has the Secure Enclave chip in it.This is why the FBI is continuously harassing Apple to install a backdoor in to iPhones, which Apple always refuses because Apple is the only high tech company that is actually dedicated to protecting your privacy.Apple responds very quickly to new virus threats, automatically updating all Mac, iPhone and iPad users around the world immediately and invisibly. If you have Automatic Updates” turned on (which is the normal setting for all users), then you will receive updated virus protection, invisibly, the same day that Apple releases it. This is why there is no *Active* virus/malware in the Apple community, so there is nothing to worry about.Apple also avoids hardware exploits in Intel’s CPU (which have multiple security flaws) with the implementation of Apple’s own Secure Enclave, T1, T2, etc. chips that boot completely securely, regardless of all the flaws in Intel’s CPUs.Apple expends a great deal of effort to make its operating systems (macOS, iOS, iPadOS, watchOS, tvOS, audioOS, etc.) secure, safe and private by implementing defenses in many layers of its core OS, which includes but is not limited to:XProtectYara (so you can even add your own rules)GatekeeperSystem Integrity Protection (SIP)Malware Removal Tool (MRT)Core SuggestionsIncompatible Kernel Extensions (KEXT Exclusions)Application Firewall (cannot be disabled)pf Firewall (BSD firewall, optional)FileVault (high grade encryption of all your data)Chinese Word List (SCIM)Core LSKD (kdrl)Flask Security Architecture for flexible mandatory access controlFile quarantineSafari Fraudulent Sites protectioneficheckMessages (the only text app that is actually secure)macOS Mojave onwardCamera or microphone access requires user consent promptMoving or reading files in the Trash (by an app) require user consentPlug-in unapproved list, Safari extension unapproved listmacOS Catalina onwardNotarizationMandatory app code signingSystem Extensions (replacing kernel extensions)System files are stored in a separate read-only partitionEndpoint Security frameworkGatekeeper enhanced with random validation checksGatekeeper now requires a User Prompt and approval for changes (anti-ransomware protection)Camera access, microphone access, screen recording or keyboard input monitoring requires user consent promptDownloads require user consent prompting for each domainSecurity & Privacy preference panelAccess control settings permissions for functions like Screen Recording, accessing Files and Folders, Input Monitoring, and Speech Recognition.Activation Lock (like on iPad and iPhone)T2 Security Chip-enabled Macs become nothing more than a brick until the proper credentials are verified, to unlock it“Every Apple device combines hardware, software, and services designed to work together for maximum security and a transparent user experience in service of the ultimate goal of keeping personal information safe … Apple is committed to helping protect customers with leading privacy and security technologies— designed to safeguard personal information—and comprehensive methods—to help protect corporate data in an enterprise environment. Apple rewards researchers for the work they do to uncover vulnerabilities by offering the Apple Security Bounty.”Apple Platform security Fall 2019 PDF https://manuals.info.apple.com/MANUALS/1000/MA1902/en_US/apple-platform-security-guide.pdfApple App security overview App security overview

I had started working with a PSU in 2011 at the age of 21 and I was posted in Mumbai, with a decent in hand salary of 42,000. My expenses didn’t include House Rent, as my organization had provided me a transit flat.I had NO education loan, no other financial liabilities at all.After all the expenses i could manage to save 1,00,000 in my saving bank account after three months and i gifted the same to my father as my gratitude for making me capable of earning my own bread.My father is a banker and secretly he made a fixed deposit of those 1 lac in my name and advised me to put 50% of my salary in Recurring Deposit (when the interest rate was approx 8.5% pa). I started with Rs 30,000 per month and increased the amount every month by 2–5% making it up to Rs 36,000 pm and managed to fulfill all my monthly needs with 6,000 cash in hand.At the end of year amount of Rs 3,00,000 was reflecting in my RD and another Rs 1 lac in FD. It was end of my Trainee Period.In 2012, I was transferred to Delhi with in hand salary of 60,000 per month, but here I had to manage the accommodation on my own.After managing all my expenses, i was able to put Rs 50,000 per month in my RD. Additionally I was managing my shopping expenses and travelling expenses with the bonus paid by company, which I used to save in second saving bank account.This worked for 2 years and my RD balance was increased to 15 Lacs in mid 2015. Sometimes I used to miss my RD installments, because of medical expenses at home, Insurance Policies premium and with another 2 installments bought a motorcycle worth Rs 1 lac.After this I started investing in myself and read a lot about equities and mutual funds.Got promotion in company and i stopped saving in RD and started investing in stocks (delivery basis for long term) and equity mutual funds.Right now (March 2018), my in hand salary is 1,05,000 after 7th pay revision and my assets are as followsRD = 17 lacs (including the bank interest)FD= 2 lacsCompany PF= 12 lacMutual funds= 14 lacsStocks (in Demat)= 14 lacsEmergency Saving Bank Account= 0.5 lacsSalary Saving Bank Account= 8,000Travel saving bank account= 19,000PPF= 2 lacsCredit Card 1 due amount= NIL (For Groceries,Fuel and shopping)Credit Card 2 due amount= NIL (For extra Travel expenses only, if required)Motorcycle is my only movable assetCIBIL Score 890 (never missed my credit card due amount in last 3 years)House/Land/Property = NILI prefer to live in rented accommodation and invest money in Equities so that i can buy a property with minimum home loan in future, till my kids become 8–9 year old.Right now I am 28 and bachelor, investing 85,000 every month, yes my expenses has increased to 20,000 per month (Branded Cloths, Electronic Gadgets, Dates with girlfriend, budget travel plans have been upgraded to deluxe travel plans :P, from sleeper class to 2AC/flights)I don’t smoke, but take alcohol occasionally like twice in a month.Pay my rent, electricity expenses, credit card bills on my salary day itselfMy principle isPay your bills-> Prepare a monthly budget-> Transfer a fix amount in travel account-> Invest in MF/Stocks/Money Market -> Spend the rest->Still if amount remains there at the end of month-> buy more stocks :)