Guarantor Letter For Job Employment Pdf: Fill & Download for Free

First of all let me give you a little background of the Education Loan Scheme.Indian Banks Association (IBA) which is an association of banks, both from private sector and private sector, was tasked by the Central Govt. to formulate a ‘Model education Scheme’ which is available on the IBA website. All banks have based their education loan scheme on the ‘Model education Scheme’. As per the scheme, the basic edibility of the applicant is that he/she should be an Indian National and should have secured admission to a higher education course in recognized institutions in India or Abroad through Entrance Test/ Merit Based Selection process after completion of HSC (10 plus 2 or equivalent). So first of all you should have the admission letter from the Institute in your hand and your KYC documents i.e. PAN and Aadhar. The bank will ask you to fill up the necessary forms for considering the loan. Your parents will be guarantor/joint borrowers and they will be required to declare their assets and liabilities on the bank’s forms. Your parents will also be required to submit their latest salary slip, form 16 (if employed) and ITRs for last 3 years (if self employed).I would advise you to go through the ‘Model education Scheme’ on the IBA web site, which can also be accessed by copying the following address in google search bar :http://www.iba.org.in/Documents/Educational-Loan-Scheme-2015-[Amended-2016].pdfThis will enable you to fore arm yourself before approaching any bank for education loan. You would also do well to go through the education loan schemes of different banks which are available on each bank’s web site.The banks have been given the autonomy to lay down the norms for considering the education loans. Due to the dubious track records of some foreign institutions, banks have become somewhat hesitant to give loans for study abroad. So while, opting for the particular course and the institute, I would advise you to ask yourself a question- “Would I have gone for this course/institute if I had the money and did not require a loan?” First you have to convince yourself and then the bank that the course and the institute have good track record. So, please do some due diligence about the course/institute and gather information about the employment generation and placement record of the course. I don’t want to sound negative but not all banks will be eager/ welcoming, so please first of all visit the web sites of all banks to look at their education loan policy and then shortlist the banks where you would a fair chance of getting the loan. For example, I found this on the website of some banks regarding studies abroad:Union Bank of India: “Diploma courses abroad are not covered”Allahabad Bank: “For job oriented professional/ technical courses offered by reputed universities.”Bank of Baroda: “Regular Degree/ Diploma courses like Aeronautical, Pilot training, Shipping etc, provided these are recognized by local Aviation / Shipping authority and Director General of Civil Aviation/ shipping in India or the competent regulatory bodies in India / abroad for the purpose of employment in India / abroad.” List of Institutions: Bank of Baroda, India's International Bank writereaddata/images/pdf/List-of-Specified-Premier-Institutions-in-Abroad-06-03-2019.pdfIn this manner, you can search out the probable banks.

Originally appeared at https://cotoacademy.com/permanent-resident-visa-japan-apply-guide-explanation-highly-skilled-foreign-professional-point-system/ (I am the original author)Looking to apply for permanent residency in Japan but clueless about how to do so?In this blog, we will explain to you how everything works and share with you how you can calculate your points based on the Highly Skilled Professional scale! Many articles on the internet do not do a thorough job of explaining who is eligible to apply for permanent residence in Japan - or when they are eligible.Read this article to find out whether or not you can apply for the highly skilled track - and get your permanent residence in Japan.What does Permanent Residence in Japan grant you?By obtaining permanent residency in Japan, you are granted the availability of preferential and more advantageous treatment. You would instantly get more benefits as compared to foreign nationals with other statuses of residences. With a permanent resident visa, you will no longer have any restrictions on a certain status holder's activities or periods of stay.To sum up, the benefits of being a Permanent Resident include the following:No restrictions to engage in any kind of employment or activitiesNo need for visa renewal, because the Permanent Resident visa allows an unlimited duration of stayEasier to get public housing loans or financing from a bankWho is eligible to apply for Permanent Residence in Japan?There are mainly 4 categories of people who are eligible to apply for the Permanent Resident visa.Foreign nationals who have lived in Japan for 10 years or moreForeign nationals who have a spouse of Japanese NationalityForeign nationals who have lived in Japan for 3 years or more, and scored a minimum of 70 points on the Highly Skilled Foreign Professional scale*Foreign nationals who have lived in Japan for 1 year or more, and scored a minimum of 80 points on the Highly Skilled Foreign Professional scale*Confused about this? Don't worry - We will be explaining more for point number 3 and 4 in this blog!What is the Highly Skilled Foreign Professional scale* and How does it work?The Highly Skilled Foreign Professional scale refers to the Points Calculation for foreign nationals who qualify as a Highly Skilled Professional (HSP) under one of the following three categories:Advanced academic research activitiesAdvanced specialized / technical activitiesAdvanced business management activities[caption id="attachment_33539" align="alignnone" width="700"]Points Calculation Table for Highly Skilled Foreign Professional[/caption]You can refer to this link for the PDF version of the points calculation table above.The points calculation system consists of a few mandatory categories and bonus categories where you can score points.The mandatory categories include Academic Background, Professional Career, Annual Salary, and Age.There are also 13 other categories that can give you bonus points, such as passing the JLPT N1 test, getting a degree from a Japanese institution of higher education, and more.The relaxation of the permanent residence requirements could be confusing.Below we have included infographics that hopefully will clear it up.To qualify as an HSP, you could either possess an HSP visa already and have lived in Japan for the set duration, OR prove with your points that you score based on the table.One important thing to note! For foreign nationals who have stayed in Japan for 3 years or more, and scored at least 70 points 3 years BEFORE and AT THE TIME of their application for permanent residence, they would eitherhave an HSP visa during those 3 years or more of stay in Japan; ORprove with their points that they qualify as an HSP, and have a working visa that allows a minimum period of stay of 3 years AT THE TIME of application*This applies exactly to foreign nationals who have stayed in Japan for 1 year or more, and scored at least 80 points 1 year BEFORE and AT THE TIME of their application.To better illustrate this, let's take a look at the example below of 2 people, who are HSPs under Advanced specialized / technical activities:AlexDecember 2019: AT THE TIME of application(Qualifications - Points)Master's Degree - 20Passed JLPT N2 - 1030 years old - 10Annual salary of 6 million yen - 206 years of work experience - 10TOTAL score: 70*With a score of 70 points at the time of application, Alex stands a chance at applying for permanent residence under the 3 years and 70 points criteria. Let's take a look at her qualifications 3 years ago.December 2016: 3 years BEFORE applicationMaster Degrees - 20Passed JLPT N2 - 1027 years old - 15Annual salary of 5 million yen - 153 years of work experience - 5TOTAL score: 65*As Alex only has 65 points 3 years before the application, she DOES NOT satisfy the 70 points criteria to apply for permanent residence under the 3 year guideline.BenDecember 2019: AT THE TIME of applicationMaster's Degree - 207 years of work experience - 15Passed JLPT N1 - 1530 years old - 10Annual salary of 5 million yen - 15Acquired degree from a Japanese institution of higher education - Bonus 10TOTAL score: 85*With a score of 85 points at the time of application, Ben stands a chance at applying for permanent residence under the 1 year and 80 points criteria. Let's take a look at his qualifications 1 year ago.December 2018: 1 year BEFORE applicationMaster's Degree - 206 years of work experience - 10Passed JLPT N1 - 1529 years old - 15Annual salary of 5 million yen - 15Acquired degree from a Japanese institution of higher education - Bonus 10TOTAL score: 85*Ben has a score of 85 points 1 year before the application, hence he SATISFIES the criteria to apply for permanent residence.Documents needed for Permanent Resideney ApplicationOnce you have scored enough points under the HSP scale, you can proceed with applying for the Permanent Resident visa in Japan.The following consists of the documents you will need to for your application and for proving your scored points:Permanent Residence application form4cm x 3cm photoCertificate of residenceProof of employmentProof of incomeCopy of ID page in passportCopy of front and back of residence cardTax records from the past 3 yearsCopy of bank statementCopy of relevant degreesCopy of relevant JLPT certificateGuarantor letter (your guarantor must be of Japanese nationality)Guarantor employment certificateGuarantor proof of incomeGuarantor residence certificateApplication Fee and Waiting TimeThe fee to apply is 8000 yen, while the official waiting time for your application to be processed can take anywhere from 4 months to one year. You will pay the 8,000 yen stamp duty if your application is successful. Recently the Japanese government has become stricter about the permanent residence application and reported wait times have grown from an average of 4-6 months to 7-8 months. We have also been hearing of people being rejected due to unpaid pension and public health insurance back payments.Want to improve your Japanese language skills and pass the JLPT exam to increase your points? Check out our intensive courses in the link below now!

A notable trait in a narcissist is a lack of accountability. They are incapable of recognizing and accepting blame. I'll give an example of this which gives an insight into the machinations a narcissistic person will engage in to deflect, deny and distort to absolve themselves of blame.My father has traits of narcissism. He exemplifies the 'exaggerated feeling of self-importance' trait which all narcissists exhibit. Whatever he would get involved in, be it a job or an organisation, then he demanded immediate respect and admiration. He was a self-proclaimed genius and was always eager to divulge how smart and clever he was to people. In truth he wasn't a genius. He was a literate, well read, working class man. He was gifted with his hands but work was beneath him. What he actually wanted was to be the boss, to be the person giving the orders but he was always blindsided to the idea that to elicit respect and admiration it would need commitment and to be the boss then it meant he needed to apply himself and attain longevity to segue into being the person in charge. Whenever this was not forthcoming quickly enough then he left and he floated from job to job through the years as a result. Alcohol fed his delusions of grandeur and he was fond of going to slummy bars and, within the euphoric haze of alcohol, he would talk of righting the worlds wrongs, he could feel like he was the master of the universe and feel that his genius had merit therein. Over the years this became a habit and a toxic cycle. He would accrue money from the odd jobs he worked and when he felt he had sufficient money to hand then he would engage in alcohol fueled benders until the money ran out. It would be weeks of stress, arguments and verbal abuse between my parents until he simply had no money left to get drunk. We welcomed the peace that brought and my mother was fond of saying, quite ridiculously, that she preferred our father to be idle and not working because money equaled drinking. His drinking did nothing for his public and social reputation and he accrued a reputation as a self-absorbed, belligerent, who was "fond of his pint" and who was deemed difficult to get along with. He had no friends per se.In the autumn of 2017, aged 69, he decided that he had finally realized what he wanted to do with his life. He wanted to be a professional football scout. He had been the founder of an underage schoolboys football club in our community in the 1990's but within three years his drinking antics on a club trip to the UK resulted in him being essentially sacked. Supervising kids while drunk was the last straw for the club committee. Now, years later, he decided scouting was what he wanted to do. He was the perfect fit, in his own narcissistic head, and he spent a thousand pounds to gain an accreditation in the UK from a professional scouting association. The course, which was a money spinner, was pretty much a pdf presentation detailing the role and importance of football scouts and they gave attendees a certificate of attendance. Our father now felt set. He was enthused and in his own narcissism, and gullibility, he was confident that the likes of Manchester United would eagerly employ his services. With that in mind he thought he would need to look the part. He said that he would need to travel extensively in his new role and of course this would require a brand new car. The perfectly acceptable and well running VW Passat he was driving wasn't fit for purpose. He needed a flash new VW and they cost in the region of €30,000. There was a problem. His credit rating was junk and the local credit union would only lend him the money if our mother went as guarantor. She, knowing his reputation, refused. When she told me, I compelled her to not do it, to not fall for the guilt tripping he would engage in. I could see through his ulterior motive. Giving our father money would lead to drinking, it was always that way. Despite his enthusiasm for scouting, it was obvious that he had no credentials beyond the community club in the 1990's. He was more in love with the idea of showing up to schoolboy matches in his flash car, with his notepad ready for the match and commanding respect from those attending about him, the top-club scout watching the game. He felt that all he needed to do was to make clubs aware of his scout status and he would deal with the negotiations with top English clubs regarding trials. If they were taken on by the clubs then he would receive his fee. Scouting for professional clubs was done with properly accredited people who worked for decades in the industry and who had key contacts and working knowledge. In reality, all that had happened was that he'd been stung for a thousand pounds for a worthless piece of paper. I knew that scouting was not as glamorous as he thought it was. I knew what he was up to. He had no intentions of being a scout. It was all a fantasy. What he actually wanted was to get his hands on a significant amount of money. In 1999, he received a settlement of £12,000 in a libel case and had spent 9 months drinking on a daily basis. His plan now was that he would guilt trip our mother to go guarantor for the 30k loan. He'd lodge it in his account but he would buy a car for 15k and pocket the remainder. Our mother, who he thinks is an idiot, would be none the wiser to the actual value of the car and he would have a balance remaining. He would then for a spate of a few weeks "play scout" but then he'd give up and blame it all as being a closed shop that he couldn't break into. With loan outstanding, and with our mother as guarantor, then he would deem it all to be her problem. The fact that she refused had driven a deep wedge between them and his resentment towards our mother was palpable. She was ostensibly responsible for denying him from following his dream job but in reality she was denying him the chance, in his latter years, to have a pool of cash to hand so he could get drunk whenever he wanted to.This all lead to the events of New Years Eve 2017. Our mother told him to turn the heating off as it had been on for most of the day. She was paying for the oil, it wasn't cheap and it was time to turn it off. This sparked an argument between them. Our mother said that he was going to either "cut her f*cking throat" or "beat the sh*t out of" her with a brush. The following day, 1st January 2018, he told her he wanted to get a divorce, that he was leaving the house and he was going to stay with a drinking buddy of his who lived nearby. He packed a bag, left the house and drove to his friends house. He picked up a bottle of whiskey on the way there. While he was in the house, and while he was drunk, he rang our older brother to break the news about the divorce to him. My brother gave me a heads up to expect a call and when it came I was ready to record the conversation. Our father was clearly drunk and he explained about the divorce and his dreams of being a professional scout. I pointed out how abusive he has been to our mother, how she was on anti-depressants because of him and that he needed to cop himself on. I referred to the multiple times he has left the house in a similar manner and this was just more of the same. I pointed out how lucky he is that our mother still speaks to him after he abandoned our family in 1985 to go on a nine month bender in the UK with his brother. He went apoplectic. He was shouting on the phone about what a toxic person our mother is, how she has us all brainwashed against him and we were all idiots to fall for her lies, how she was the one with a drinking problem and that he should never have married her. I asked him about threatening our mother and he said she was a liar. I don't take kindly to being told I'm a gullible idiot and we had a back and forth where I called him out on his past toxic behavior which had gone on for too long by this point and for which he was personally responsible for. We’d thrown punches in the past at each other during his drinking binges when I called him out on his antics. There was no love lost between us and his threatening our mother was the last straw.After cutting me off with a string of expletives, and knowing he was being called out, he hung up. Later that night he tried ringing again but I let it ring out. I didn't hear anymore until the following day. Our mother called and said that he was back home and that he had been arrested for drink driving. He was claiming memory loss and didn't remember anything. My older brother told me that he'd rung him later the previous evening and our father told him he was going to kill himself by driving the car at speed into a concrete wall at a local cemetery and that he wanted his body "thrown over the wall and buried with those f*ckers", a reference to my mother's family plot. My brother had called home, had gone to the cemetery but he couldn't find him. Later that evening, he was stopped, breathalyzed, arrested and taken to the local police station. He came home the following morning to our mother and was immediately claiming temporary memory loss and complained of soreness. It was not the first time he had driven his car while heavily drunk. It was a habit, he did it regularly but the rules didn't apply to him, he could do what he wanted. He was caught fairly and squarely. He was well over the legal limit and he knew he would at the very minimum be banned from driving for 3 years. No insurance company would touch him and his driving days were now effectively over. Any ambitions he had of scouting, which obviously required transport, were dashed because of his own stupidity.Quickly, as a narcissist, the denial, distortion and deflection kicked in. The key here was that he was not to blame at all. It was everyone else's fault. It was our mother's fault. If she hadn't been nagging him then he wouldn't have left the house. It was his friend's fault. If he had taken his car keys from him then he would not have been caught. He said one of his neighbors must have seen him drive away, taken the registration and called the police who subsequently intercepted him. He began claiming police brutality. He said he'd been man-handled by the two arresting policemen and he was assaulted while in custody. He even rang an ambulance complaining about the pain, wasting their time as there was nothing wrong with him beyond having the mother of all hangovers. He was grasping at anything to absolve himself from reality, which was that he'd gotten himself drunk, that he'd knowingly driven his car illegally and that he was thankfully caught fair and square before he caused damage or even killed somebody. If he wasn’t narcissistic he would readily accept his responsibility in full i.e. I'm an idiot, I got caught, I'm in big trouble and it's all my own fault. The following Friday I called to collect our mother so she could stay the weekend with my family as she needed the break from the chaos. When I collected her I asked my father what had happened and after initially playing dumb he started ranting and raving about our mother, how she was making his life hell and how he was committed to getting a divorce. There was no hint of remorse or shame in what he had done. I told him our mother was on anti-depressants because of him and he flipped into a rage. He knew I was right and it inflamed him. I was ready to punch him if he was willing to go there but our mother got between us and he started raving about what an idiot I am and how he'd "lose the whole lot of ye when it comes to intelligence". He said he was a genius and I could f*ck off with my posturing and lecturing. He said his threat to kill our mother was not a threat, it was a promise. As a narcissist, he had no intentions of killing himself, he had no intentions of hurting out mother. He was provoking, looking to elicit a reaction he could exploit. We parted and I told him firmly that if he ever threatened our mother again then I would go to the Police to file a report. Thankfully my mother lead me towards the door and after he said a sarcastic "Bye, Bye" we left for the weekend.In the weeks after that night, he began persistently writing to the Chief Superintendent to complain about police brutality. He started contacting local radio to speak about his "ordeal". He would write his notes and leave them in the kitchen. Whenever I would collect my mother for a weekend, I would peruse those notes while waiting. From reading them it became clear that there was a problem for him. When he was arrested a bong which he presumably used for smoking cannabis was found in the car. His notes gave an insight into how he was twisting the narrative to deflect. It didn't look good for his case to have drug paraphernalia in his possession. It was also clear from the notes that he had fallen out with his drinking buddy. The notes gave an indication that my father was insistent that a lodger who had been renting a room in his friends house a few months earlier was the person who owned the bong. He was clearly a "pot-head" in his opinion and of course my father (who smoked it often) would never smoke cannabis. He said he remembered giving him a lift and he must have hidden it in his car. The notes were playing it off as my father hoovering out the car and happening upon the bong. He was being a good friend by letting him know what a deplorable guy his then former lodger was. What he is doing here is establishing a false backstory to explain away the finding of his bong in the car. A few weeks later I read a typed letter, a character reference for the upcoming court case, which was ostensibly written by my father's friend but was blatantly dictated by my father who made himself out to be an innocent who had made an uncharacteristic mistake. Our father did the writing and his friend was to do the signing and my father was clear to present himself as a nice, communal guy who was driven to drink, who was a victim of circumstances and his actions were simply a one off. (spelling mistakes are included)"Statement of Fact - I, the above, believe the following to be a true and nothing but a true reflection on what transpired at my home on the 1st January last. In an answer to a request by (my father) a friend of mine for some years now. In this context I hereby agree to make as true a statement of events on the 1st January 2018. Earlier on New Years Day I received a phone call from my friend asking me, because of a serious disagreement with his wife, if I would allow him to stay in my spare room if the situation at home deteriorated further, which it has done in the past. Obviously the situation had worsened when my friend arrived at my house with a bottle of whiskey. Having abstained from drinking for a little over two years, a man I had often tempted to persuade to have a pint rather than a soda, which is nearly twice the price of a pint, having proposed a designated driver scheme before Christmas holidays for friends and friends of friends, I was more than a little surprised to see him open the bottle and proceed to finish it. Not being satisfied with one bottle he decided to go and get another, but I manage to persude him not to use the car and he obliged by walking to the garage and returned with another bottle which he proceeded to consume. It was then I realised the argument most have been really, really bad to see him behave this way it was completely out of character for this man and he acted more like a person having a nervous breakdown, worse still when he went ape-shit I could not believe I was in the room with the same person I knew these past number of years. I could not believe that he was capable of behaving like this and as if that wasn't terrible to witness, after an irate phone conversation with whom I assumed was one of his son's he became completely deranged. He was screaming at the phone and I asked that he keep it down because of the neighbors but my request went unheeded and he picked up the whiskey and demanded I open the gate and unbelievably he drove the car out of the estate. Later I heard he had been arrested somewhere but I have no idea where he went when he left. He left my house around 9.30pm and I could do nothing to stop him. I just prayed he wouldn't kill himself or someone else. Sometime later in the week he arrived at a friend of mines house and he was reeking of drink and in a desperate state. He was again argumentative so I left. I hope the authorities are not too hard on my mate because normally he is a nice guy and easy to get on with. I had never seen him in this condition before and it was completely out of character for him and I hope I never see him in that condition again."This was a narcissist grasping to establish a narrative to clear themselves of blame. Not only that, he wrote a letter ostensibly from a witness of his arrest which attested to the brutality he suffered when he was arrested. It was from "Sean Bongo" who had been renting on the street but who, conveniently enough, no longer lived there. This fictional man didn't exist and he couldn't be traced as he was an immigrant moving from place to place."To whom it concerns, as a result of an appeal by an individual on a local radio station, the description given struck me, and I wondered if it was the same individual I had witnessed being manhandled by the police outside my apartment. Therefore, I have willingly and with aforethought submitted this account of what I witnessed in the early hours of the new year, although the announcer on the radio requested that a taxi driver who might have picked up a confused elderly gentleman with cream coloured coat and blue cap. As previously stated it was the description that I paid attention too. And because of the way in which this elderly gentleman was treated by the Garda I decided to do my civic duty for what it's worth. I awoke to use the bathroom in the early hours of the new year and notice a blue light flashing outside in the street and went out in the hallway thinking it might be an accident. Whereupon, I seen an elderly gentleman being manhandle by two members of the Garda. This poor man did not seem to be offering any resistance and I considered the actions of the Garda to be a bit O.T.T. The man's car was left parked across the road with the hazard lights flashing. Sometime later I noticed the drivers window had been broken an it looked as if someone had broken into this mans car. Later on in the day some people who looked like mechanics removed the mans car from where it was parked. I believe this to be a true reflection of the events as they happened around the time in question and I hope it helps to assist the man in dealing with the issues that concern him. It's the least I could do. Signed, Sean Bongo."So believing he could write a letter like this he could lend credence to the lies that he was manhandled, that he could create circumstantial evidence that the paraphernalia could have been put there while the car was in situ considering the window was broken. Not only that, he could give this fictional man a surname to dog whistle about it too. Bongo. Again, the mental gymnastics and energy spent to conjure up a narrative was done for one purpose; To salvage his reputation because, according to our mother, what he feared the most was that the whole affair might be included in excruciating detail in the local paper and that there would be communal validation that our father really is a toxic person. He knew he was going to be convicted but, as a narcissist, he was going to absolve himself completely of the blame and telling blatant lies was acceptable to that end. In the end, he was convicted and charged, but luckily for him none of it was reported in the local press. I haven’t spoken to him since that confrontation shortly after his arrest. You deal with toxic people by not dealing with them. Over the Christmas, our mother told us that he finally admitted that he was wrong and that he was just happy he didn’t kill anyone. I know he is being manipulative and the message was meant to reach me personally. Such hoovering will not be successful. He hasn’t met his grand daughter who was born last September, he hasn’t interacted with our 3 year old daughter since she was 1. He’s had a multitude of second chances through the years and he keeps throwing it back in our faces. Enough was enough, no more chances, he’s persona non grata and he only has himself to blame. In summation, a narcissist is never to blame for the chaos and trouble they generate. If no one can be readily found to blame, then they will go so far as to actually invent people, to put words to real people's name, coerce them to sign off on them and it all done to deflect from their own failings and from their core responsibility for actually causing the chaos and trouble in the first place.