#Postal Payments Services Agreement | Explore Tumblr posts and blogs

degusart · 4 days ago

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commission info

Hello all!

If you are interested in commissioning me, feel free to reach out via Discord or Tumblr DMs or Email me at Rileymarepruitt@gmail (dot) com.

All commission slots are served at a first-come-first-serve basis.

TOS under the cut

payment is expected upon delivery of first sketch.

Seller will not be responsible for loss of product once it has been delivered

Customer has right to reasonable amounts of minor edits after completion (I.E eyecolour change)

Customer can ask for a refund on orders with no progress for two weeks or when work has not been completed within two months after payment.

Customer is required to contact the seller in a fast and responsive manner.

Products cannot be used for commercial use without additional fees.

Seller can cancel and refund any order at any time.

Customer does not hold the right to use the product in any blockchain-related technology, including NFTs, cryptocurrency, or future inventions in the space.

Customer does not hold the right to use the product in any AI-related technology, including submitting for datasets, and any future inventions in the space.

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TERMS OF SERVICE LAST UPDATE: 11/01/24: This contract applies to the artist further called Seller and person or institution further called Customer purchasing from Seller a work of art further called Product. By ordering Product from the Seller the Customer agrees to the following terms and conditions:

PAYMENTS

Customer agrees to pay the due amount upfront for any orders of value lower or equal to the amount listed in the invoice. On orders above $200 customer agrees to pay half the invoice total upfront. The other half has to be paid on approval of the initial sketch.

Any other payment schedule has to be mutually agreed before work on the Product commences.

PRODUCT DELIVERY

The customer agrees that the Product will be delivered digitally to email or DM (agreed upon the initial discussion) address provided by the Customer after the final payment has been received by the Seller.

Any other method of delivery, either digital or physical, has to be mutually agreed upon before the work commences. The customer is obliged to bear any costs incurred by alternative delivery methods, such as postal costs, material costs, digital service subscription fees, etc.

It is the sole responsibility of the Customer to propose a delivery method that works for both parties.

Seller cannot be held accountable for Customer's loss of access to the delivery method, loss of delivered files, impediments such as spam filters or any other technical obstacles outside responsibility of the Seller.

Upon delivery of the product, it is the Customer's responsibility to store it properly. Loss of product due to negligence will not be reimbursed by the Seller. Seller can not guarantee that the original copy of the product will be available in the case that the Customer lost their files.

REVISIONS

Customer has right to a reasonable amount of minor edits after completion, such as changing an eye colour or fixing a small detail, up to an additional 10% of the total time spent on creating the originally delivered Product. Any requests above that, however minor, will require a prior mutual agreement and will result in a proportional increase of order value. Any such increase will be invoiced separately. Work on any such excessive requests will not commence until the payment for the additional invoice(s) has been received.

PERSONAL AND COMMERCIAL USE

The Product received by Customer is for personal use. Any use of the Product for commercial purposes, reselling it, reproduction or publishing for reasons other than personal purposes has to be approved beforehand by the Seller. This will require a separate agreement between Customer and Seller defining exact conditions and financial implications of such use of the Product.

The seller holds the right to use the art in future social media posts and other non-commercial uses. Upon agreement of the commission any tags or information wanted when posting the art must be agreed upon

Customer does not hold the right to use the product in any blockchain-related technology, including NFTs, cryptocurrency, or future inventions in the space.In addition, Customer does not hold the right to use the product for AI datasets or for AI tools and any present or future inventions in the space.

CANCELLATIONS

Seller reserves every right to refuse or cancel any order, under condition of full refund, without giving reasons to Customer.

Any disrespectful behaviour will not be tolerated and may result in a cancellation of the order. Customer will receive full or partial refund depending on amount of work completed. Seller will have full right to refuse any service to the Customer in the future.

#artists on tumblr #illustration #drawing #commissions #art commisions #commissions open #dnd #dungeons and dragons

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jackalgirl · 11 days ago

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“…several sources said that a forensic accountancy expert was one of the investigators and that the US Postal Inspection Service was also involved.”

Oh, man, the US Postal Inspection Service? SAVAGE

So, turns out that one of OceanGate’s related / shell companies, OceanGate Inc, created yet another company, “Cyclops 2 LLC”, to which OceanGate (not-Inc) sold the Titan (which was originally called Cyclops 2), which then in turn leased the submersible to OceanGate.

Investors who put at least $250,000 into Cyclops 2 LLC would receive quarterly payments back from the lease of Titan to OceanGate. For example, at the start of 2019, the Titan was undergoing testing in the Bahamas and was still two years from its maiden voyage with paying passengers. Nevertheless, a document prepared for an OceanGate board meeting reported: “Current Cyclops 2 LLC investors have already received 13 percent cash return from OceanGate from contracting the use of Titan.” OceanGate stated that having investors own the submersibles “provides unique cash flow and tax benefits.”

Apparently this is a thing that’s common in aviation, but in that industry, the entity that owns the craft and the one that leases it aren’t usually run by the same person, as was the case with the Titan agreement (that person being Stockton Rush).

The article talks about how while this arrangement was initially beneficial in bringing OceanGate cash, by the time of the implosion they were suffering serious money issues (mentioned by several witnesses at the BoI), so much so that they’re were trying to sell spots on the summer 2023 expedition “… at a 40 percent discount.”

As much as it seems like the systemic corner-cutting that seemed to be going on was related to cash flow issues, I feel like (based on the testimony) that it had been baked into the culture at OceanGate long before then.

#oceangate #titan submersible

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hapalopus · 4 months ago

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He did though.

2021:

Cancel Keystone Pipeline

Reverse Trump's Muslim ban

Require masks on federal property

Rejoins the Paris Climate agreement

Extend Student Loan payment freeze

Extend eviction freeze

Ends funding for Border wall

Orders agencies to reunite families separated at border by Trump

Orders strengthening of DACA

Rejoins The World Health Organization

Rescinds Trump's 1776 Commission and directs agencies to review actions to ensure racial equity

Provide funding to local and state officials to create vaccination sites

Ends transgender military ban

Ends Federal Contracts With Private Prisons

Restores Aid To Palestinians

Suspends new leases for oil & natural gas development on federal land

Restores access to healthcare.gov

Extends fair housing protections to include LGBTQ Americans

Ends support for Saudi Arabia led campaign in Yemen

Withdraws UN sanctions on Iran

Extends universal free school lunch through 2022

Commits to cutting U.S. emissions in half by 2030 as part of Paris climate pact

Reverses Trump's Anti-Trans Shelter Rule

Officially recognizes massacre of Armenians in World War I as genocide

Raises Minimum Wage for Federal Contractors and Federal Employees to $15

Restores Transgender Health Protections

Suspends oil and gas leases in Arctic National Wildlife Refuge

Reinstalls rules removed by Trump limiting methane emissions from leaks and flares in oil and gas wells

Lifts abortion referral ban on family planning clinics

Passes largest infrastructure improvement bill in history

Ban goods made by Uyghur slave labor

Aside from one Afghanistan strike early on, Biden has ended drone strikes

Formally ends combat mission in Iraq

Achieves historic 45% reduction of poverty levels in first six months

Achieves historic 61% reduction of child poverty in first six months

2022:

Makes sexual harassment in the military a crime

Limits the release of mercury from coal-burning power plants

Ends asylum restrictions for children traveling alone

Reauthorizes and strengthens the Violence Against Women Act

Makes lynching a federal crime

Rescinds Trump-era policy allowing rapid expulsion of migrants at border and blocks them from seeking asylum

Overhauled the US Postal Service's finances to allow the agency to modernize its service

Establishes national registry of police officers who are fired for misconduct

Lifts sanctions on the Rojava and other opposition-held territory in Syria

Tightens restrictions on chokeholds, no-knock warrants, and transfer of military equipment to police departments

Requires all federal Law enforcement officers to wear body cameras

$265 million for South Florida reservoir, key component of Everglades restoration

Major wind farm project off West coast to provide electricity for 1.5 million homes

Prohibits private possession of big cats and prohibits exhibitors from allowing direct contact with cubs

Appointed more black women to the court than any president in history

Allocates funds to federal agencies to counter 300-plus anti-LGBTQ laws by state lawmakers this year alone

Expands access to emergency contraception and long-acting reversible contraception

Prevents states from banning Mifepristone -- a medication used to end early pregnancy that has FDA approval

Steps to ensure the safety of those seeking and providing abortion care, including by protecting mobile clinics

Protecting privacy, safety and security of patients, providers and clinics

Safeguards access to health care, including the right to choose and contraception

Ends Trump-era “Remain in Mexico” policy

Executive order protecting travel for abortion

Reunites 900 migrant families separated under Trump

Codifies DACA into law, allowing children of immigrants born in US to work and stay in US

Pardons thousands for simple possession of marijuana

Puts new limits on drone strikes including requiring the presidential approval

Brokered deal between Israel and Lebanon ending maritime boundary dispute and establish a permanent maritime boundary between them

Ensures US is not funding or participating in human trafficking of 3rd world-country workers through our contracts overseas

Codifies Gay Marriage into law - Protects Same-Sex and Interracial Marriage

Stops the forcing out of pregnant workers, or denying reasonable accommodations

2023:

Got republicans to publicly take Social Security and Medicare cuts off the table

$197 million for 100 communities across our nation to invest in wildfire resilience

Safeguard mature and old-growth forests on federal lands, in a science-based approach to reduce wildfire risk

Strengthen reforestation partnerships to support local economies and retain forest ecosystems and sustainable supplies of forest products for years to come

Combat global deforestation to deliver on key COP26 commitments

Rail companies grant paid sick days after administration pressure in win for unions

Invests $11 billion for renewable energy in rural areas

Executive order to guarantee women access to contraception - (more will need to be done to make it permanent)

Eliminates US stockpile of chemical weapons

$800 Million to Strengthen Rural Infrastructure and Create Jobs

Suspends Trump-era authorization to ship natural gas by rail

Cancels oil and gas leases in Alaskan wildlife refuge that were allowed by Trump administration

Restores power of states and tribes to review projects to protect waterways

Creates new office of gun violence prevention

Commits $200 million to reintroduce salmon in Columbia River

Visits Israel and convinces them allow humanitarian aid to Gaza

Establishes White House Initiative on Women’s Health Research

Child poverty rates fall from 12.6% to 5.8% due to Biden's Expanded Child Tax Credits. 2.9 million kids escape poverty

Delivered the largest infrastructure plan since Eisenhower

Delivered with Obama the second-largest healthcare bill since Johnson

Delivered the largest climate change bill in history

Brokers ceasefire between Congo and Rwanda, averting major humanitarian crisis

Pardons thousands who were convicted of use and simple possession of marijuana on federal lands

Provides summer grocery money to 21 million kids

Largest one year decline in homicides in 50 years

Majority of Biden’s appointed judges are women, racial or ethnic minorities – a first for any president

2024:

Black unemployment rate lower under Biden than any other administration (4.7%) - Compared to black unemployment under Trump was 2nd worst number in history, reaching over 16%

Rescinds Trump-era "Denial of Care" rule that allowed health care workers to deny medical care to patients because of their personal religious or moral belief

$5.8 billion to clean up nation’s drinking water and upgrade infrastructure

$500 million to combat wildfire and improve resilience

$1 billion deal with Oregon, Washington, and 4 Columbia River tribes to revive Northwest salmon population

$1.7 billion package to fund initiatives aimed at ending hunger across the United States by 2030

$28 billion towards substance abuse treatment

Allows student loan borrowers to repay based on income providing affordable payments and eventual student loan forgiveness

Bans asbestos

Commits $6B to cut emissions from high-carbon industries

Restores threatened species protections dropped by Trump

Blocks mining on more than 221,000 acres of federal land in Colorado

Adds Title IX protections for LGBT students, forbidding discrimination based on sexual orientation or gender identity

Prohibits federally funded health providers & insurers from discriminating on basis of sexual orientation and gender identity

Shields millions of acres of Alaskan wilderness from drilling and mining

Reinstates net neutrality

In 2021 only three states supplied 12 months of post partum care - Three years later 46 states now do

$16 billion investments in Historically Black Colleges and Universities

Enacts plan to end Parkinson’s disease

Codifies same-sex and interracial marriage

So far, the total student loan forgiveness approved by the Biden-Harris Administration is $168.5 billion for 4.76 million Americans.

I know I've been posting more about politics lately, and it's caused me to lose a chunk of followers.

But I'm a queer person with a degree in political science and its an election year. I'm old friends with several of my city council members. I've been to trainings on how to run elections. I spent my college years working for nonprofits (and being the world's worst canvasser). I'm close with more than one person who works for unions, and I have family members who work for government agencies.

I think about politics in a very pragmatic "I know how the sausage is made" kind of way. We're in a vice press, and there's only one way to release the pressure.

The revolution ain't coming. There is no one to save us but us.

So yeah, I'm going to be pissed if your answer is "let them tighten the vice -- there's no way out of the vice, it doesn't matter if they loosen or tighten it."

There's a difference, and anyone telling you otherwise is likely a psyop or someone who fell for a psyop. This literally happened before, and it's happening again.

Stop falling for it.

#why do you think republicans hate him so much??

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udyam05 · 16 days ago

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Reducing Operational Costs with Digital Signatures

A digital signature is an electronic form of authentication that guarantees the integrity and authenticity of a digital document. It utilizes cryptographic algorithms to ensure that the document has not been tampered with and confirms the identity of the sender. Digital signatures are widely used in legal, financial, and business processes, making them a critical tool for modern enterprises.

By replacing traditional wet signatures with digital alternatives, businesses can reduce paperwork, speed up processes, and maintain high levels of security.

How Digital Signatures Reduce Operational Costs

Lower Paper and Printing Costs

One of the most immediate savings is the elimination of paper-based processes.

Printing, photocopying, and managing physical paperwork involve costs related to paper, ink, and maintenance of office printers.

Organizations using digital signatures can significantly reduce these expenses by digitizing contracts, invoices, and other documents.

Example: Banks and insurance companies that process large volumes of documents can save thousands annually by switching to digital signing processes.

Reduced Mailing and Courier Expenses

Traditional document handling often requires mailing contracts or using courier services for signature collection.

With digital signatures, documents can be signed and returned electronically, reducing postal and courier fees.

Example: A law firm sending multiple contracts to clients across the country can save substantial courier charges by using e-signatures.

Minimized Storage and Archiving Costs

Storing physical documents involves expenses for office space, filing cabinets, and offsite storage facilities.

Digital signatures allow businesses to store documents securely in the cloud or digital archives, cutting storage costs and simplifying retrieval processes.

Example: Corporates with extensive legal documentation can migrate to digital archives, reducing storage-related expenses and minimizing clutter.

Faster Turnaround Time Reduces Operational Delays

Manual processes involving the collection of physical signatures can delay transactions, leading to higher operational costs.

Digital signatures enable instant signing and approval, streamlining workflows and ensuring faster execution of contracts, agreements, and payments.

Impact on Cost: Faster processing time reduces the costs associated with idle capital, missed business opportunities, and penalties due to delayed approvals.

Boosting Efficiency with Digital Signatures

Automated Workflow Integration

Digital signature solutions can be integrated with workflow automation tools, enabling seamless document routing, approval, and signing processes.

Automated reminders and notifications ensure that approvals are completed on time, reducing the need for manual follow-ups.

Enhanced Employee Productivity

Employees no longer need to spend hours managing paperwork, filing documents, or coordinating with multiple departments for signatures.

By freeing employees from time-consuming tasks, businesses can redirect their efforts to more value-adding activities, thereby improving productivity.

Improved Client Experience

Digital signatures offer convenience to customers, vendors, and partners by allowing them to sign documents from anywhere, at any time.

A smoother, faster, and paperless experience increases customer satisfaction and reduces customer service costs.

Ensuring Security and Compliance at Lower Costs

Reduction in Fraudulent Activities

Digital signatures employ encryption and identity verification methods, which help in preventing document tampering and identity fraud.

Reduced instances of fraud save businesses from incurring legal costs and financial losses.

Compliance with Regulatory Requirements

Many industries, such as finance, healthcare, and government, require strict compliance with data privacy and record-keeping regulations.

Digital signatures are legally recognized under laws like the Information Technology Act (India), eIDAS (EU), and ESIGN Act (US), ensuring compliance without the need for additional legal processes.

Lower Risk Management Costs

Secure and traceable document transactions reduce the risks of non-compliance and disputes.

In case of audits or legal inquiries, digitally signed documents can be easily retrieved and verified, saving legal and administrative costs.

Sustainability and Cost Savings

Reduced Environmental Impact

Going paperless with digital signatures reduces the environmental footprint, aligning businesses with sustainable practices.

Reduced use of paper and ink contributes to environmental conservation and can improve the company’s reputation among environmentally conscious customers and partners.

Energy Savings

With fewer physical documents to manage, businesses can reduce energy consumption associated with printers, copiers, and filing systems.

Decreased reliance on courier services also helps lower fuel consumption and emissions, contributing to energy savings.

Industries Benefiting from Digital Signatures

Banking and Financial Services

Banks and financial institutions handle a large volume of contracts, loan agreements, and customer onboarding documents. Digital signatures allow them to process applications and agreements faster, reducing the costs associated with customer acquisition and document management.

Healthcare Sector

Hospitals and clinics use digital signatures for patient consent forms, insurance claims, and administrative tasks. This reduces paperwork and speeds up processes, ensuring better service delivery and lower administrative costs.

Legal Industry

Law firms rely heavily on contracts and agreements, often requiring multiple parties' signatures. Digital signatures streamline contract management, reduce courier expenses, and minimize the risk of document tampering.

E-Government Services

Governments use digital signatures to offer paperless services, such as tax filing, tendering, and public procurement. This reduces operational costs while improving transparency and service delivery.

Challenges and Solutions in Implementing Digital Signatures

Adoption Resistance

Some employees or customers may resist adopting digital signatures due to unfamiliarity with the technology. Businesses can address this by providing training and clear instructions for users.

Initial Setup Costs

Implementing digital signature solutions involves initial setup and software costs. However, the long-term savings far outweigh these investments.

Legal Recognition Across Borders

While digital signatures are legally recognized in many countries, cross-border transactions may encounter challenges. Businesses can overcome this by choosing globally recognized digital signature providers.

Read this blog:- Class 3 Digital Signature.

Conclusion

Digital signatures are transforming the way businesses operate by reducing operational costs and streamlining workflows. From eliminating paper-based processes to enhancing security and compliance, digital signatures offer numerous advantages that contribute to both cost savings and improved efficiency. By adopting digital signatures, businesses can not only achieve immediate savings but also align themselves with sustainable practices for long-term growth.

The cost-effectiveness of digital signatures makes them an essential tool for organizations looking to stay competitive in a rapidly evolving digital landscape. As more industries embrace this technology, the cumulative savings and operational improvements will continue to drive the shift toward a paperless, more efficient future.

#digital signature

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indian-pan-card-usa · 7 months ago

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How to apply pan card online in chicago

In the digital age, geographical boundaries are becoming increasingly irrelevant, especially concerning financial matters. For Indian expatriates residing in Chicago, maintaining ties with their homeland often involves managing essential documents like the PAN (Permanent Account Number) card. This article delves into the process of apply PAN card online in Chicago while residing in Chicago, elucidating its significance for expatriates and the streamlined procedures involved.

Understanding the PAN Card: The PAN card, issued by the Indian Income Tax Department, is a unique identification number that is essential for various financial transactions and tax-related activities. It serves as a crucial document for opening bank accounts, investing in securities, filing income tax returns, and other monetary operations. Even for Indian citizens living abroad, having a PAN card is vital for ensuring compliance with Indian tax laws and facilitating financial engagements in India. Applying for PAN Card Online from Chicago: The process of applying for a PAN card online in Chicago is designed to be straightforward and convenient. Here's a step-by-step guide:

Accessing the Official Portal: Indian expatriates can apply for a PAN card through the official websites managed by NSDL (National Securities Depository Limited) or UTIITSL (UTI Infrastructure Technology and Services Limited). These portals are user-friendly and provide comprehensive guidance throughout the application process.

Filling the Online Application Form: Start by filling out the PAN card application form available on the chosen portal. Provide accurate personal details, including name, date of birth, address in Chicago, and contact information. It's essential to ensure that the information matches the supporting documents to avoid discrepancies.

Uploading Required Documents: Scan and upload the necessary documents to verify your identity and address. Typically, documents such as passport, Aadhaar card, or driver's license can serve as proof of identity, while utility bills, rental agreements, or bank statements can establish your address.

Payment of Application Fee: Process the payment for the PAN card application fee using the secure online payment gateway integrated into the portal. The fee amount varies depending on factors such as delivery location (domestic or international) and processing options selected.

Submission and Acknowledgment: Review the completed application form and uploaded documents for accuracy before submitting them online. Upon successful submission, you'll receive an acknowledgment containing a unique 15-digit acknowledgment number. This number serves as a reference for tracking the status of your application. Processing and Delivery: After submitting the PAN card application online, the authorities verify the provided information and authenticate the uploaded documents. The processing time may vary, but applicants can monitor the status of their application using the acknowledgment number provided. Once the application is processed successfully, the PAN card is dispatched to the address mentioned in the application. For expatriates in Chicago, the PAN card is delivered through international postal services within the specified timeframe. Significance for Indian Expatriates: Acquiring a PAN card online in Chicago holds significant implications for Indian expatriates. Apart from facilitating financial transactions and tax compliance, the PAN card serves as a link to their Indian identity and heritage. It enables expatriates to participate in economic activities in India, manage investments, and handle property transactions seamlessly. Furthermore, having a PAN card streamlines various administrative processes, such as applying for loans, insurance policies, or credit cards in India. It also simplifies inheritance proceedings and ensures compliance with Indian tax regulations, thereby mitigating legal complications for expatriates. Conclusion The online application process for a apply PAN card online in Chicago underscores the convergence of technology and administrative efficiency in serving the needs of Indian expatriates. By leveraging digital platforms and adhering to prescribed guidelines, expatriates can navigate the application process seamlessly, ensuring compliance with Indian tax laws and fostering enduring connections with their homeland.

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sauravsharma3489 · 8 months ago

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It takes a lot of study to purchase your ideal home, including investigating the area, climate, interior design, and accessibility. While often disregarded, the financial component of purchasing real estate is equally crucial. Numerous modest and large payments might make a considerable difference in the property's price. The terms "Registration Charges," "Stamp Duty," "Loan Processing Charges," "Technical Appraisal Charges," "Franking Charges," and so forth may have been mentioned during discussions with the seller. In order to prevent defaults and guarantee a seamless home-buying experience, it is critical to comprehend the meaning of these costs.

Franking Charges: What Is It?

Stamp duty is a levy that you must pay to the government in order for the acquisition of real estate to be approved. The franking charge is an additional stamp duty-related expense that most purchasers are unaware of. Stamp duty and franking costs are sometimes mistaken for one another. These two charges are typically charged concurrently, which is the main cause of this misconception. They are distinct charges, though, and we will talk about both the meaning of franking and the meaning of franking charges in this article.

Franking: What Is It?

Franking is only the act of franking an agreement. It is a seal that certifies that stamp duty has been paid. Thus, the process of having property documents stamped is called "franking."

Authorized organizations, including banks, offer franking services. We can enlist the assistance of these organizations to place a stamp or a denomination on the document in order to demonstrate its legitimacy.

Sub-registrar offices throughout various Indian states have Franking machines installed in order to complete the Franking process.

Advantages of Franking

The use of franking machines as opposed to stamps has various advantages. Among them are:

Lower Postage Costs: Since you only need to buy postage once, as opposed to for each letter or package, franked mail is less expensive to send than stamped mail. Convenience: You may quickly and easily prepare your mail for dispatch with a franking machine, saving you a trip to the post office. You save time and energy, which are sometimes very valuable resources!

Efficiency: A clean, reliable impression is always produced by a well-maintained franking machine. This facilitates the accurate identification and sorting of your mail by postal workers, ensuring that it gets to its destination as soon as possible.

Why was Franking invented?

Printing the agreement on non-judicial stamp sheets was the previous method of verifying the payment of stamp duty. The government had to put an end to this method since it resulted in stamp paper scams, abuse, and forgeries.

Bank Franking Procedure

Franking must be completed at this stage, prior to signing the paperwork, once all necessary information has been transcribed onto a blank sheet of paper. To approach the relevant body, you or the vendor must fill out an application with the franking details.

Not every bank is permitted to accept stamp duty. Even yet, the authorized institutions will be limited to a specific daily volume and will only be able to open a particular amount of documents each day. It is crucial that you get in contact with the bank early in the day or through a designated representative. It is advised to schedule a prior appointment with the relevant official, as franking necessitates advance planning on the part of the authorities.

The bank that you are using to obtain the home loan will give you the precise information and representatives about particulars.

Charges

The authority franking your documents, such as banks and agencies, must be compensated. State governments set the amount, which differs from state to state. Regardless of the value of the property, some states have a flat cost. Nonetheless, the majority of states charge a fee equal to 0.1% of the loan amount or the entire sale price of the property. Due to the strong correlation between franking charges and stamp duty, franking charges are typically subtracted from stamp duty, and stamp duty is amended to incorporate them.

The Indian states' corresponding franking charges are as follows:

Maharashtra's Franking Charges: 0.1%

In Telangana, fucking charges are 0.1%

For instance, there will be an additional Rs. 8,000 in fees associated with franking charges if you are purchasing a house valued at Rs. 80 lakh. Now, if the franking charge has been paid, you will only be required to pay 5.4% of the property value as stamp duty if the stamp duty in your state is 5.5% of the value. This change won't be performed if you choose to pay stamp duty using a different method. (The stamp duty rates are subject to change and vary across states; the figures shown are only examples.)

Remember that most home loans do not cover stamp duty or franking costs, so be ready for this and keep it in mind when choosing a home loan vendor.

Document Franking

Printing the agreement on plain white paper is necessary when franking a document. You must take the agreement and the supporting documentation to a franking agency or an authorized bank before they are executed or signed. There, they will offer you an application form, you will pay the stamp duty charge, and a stamp will be applied to the document to indicate the amount of stamp duty paid.

How to Calculate Franking Charges

States have different franking fees. The franking costs in Telangana and Maharashtra differ as a result. Usually, it represents 0.1% of the purchase price. For example, the franking charge on a house purchased for Rs. 40 lakhs would be Rs. 4,000. Remember that the franking stamp fee is part of the stamp duty duties as well. Therefore, if the appropriate stamp duty in your state is 6.5 percent, you would have to pay 6.4 percent to the sub-office registrars and the remaining amount to the franking authority.

#Franking Charges #Franking Charges and its advantages #What is franking cost?#What is the meaning of franking?#How do you calculate franking charges?#What is the limit for franking?#Who pay franking charges?#What is a 100% franking rate?#Why is it called franking?#What are the franking rules?#How does franking work?#Why is franking needed?#Is GST applicable on franking charges?#Is franking and stamp paper same?#Real Estate

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xkzanova · 1 year ago

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The Ins and Outs of Obtaining a China Apostille

In an era of global mobility, the need for cross-border document recognition is more prevalent than ever. If your plans involve studying, working, or engaging in legal transactions in China, understanding the apostille process is crucial. This blog post aims to provide a comprehensive guide on obtaining an apostille for documents destined for use in China.

What is an Apostille?

An apostille is a specialized certificate issued to verify the authenticity of a public document for international use. This streamlined form of certification, established under the Hague Convention Abolishing the Requirement of Legalization for Foreign Public Documents, facilitates the acceptance of documents in member countries, including China.

Eligible Documents

In China, the apostille process is typically administered by the Chinese Embassy or Consulate in the country where the document originated. Commonly apostilled documents include birth certificates, marriage certificates, academic transcripts, and notarized documents. However, requirements may vary, and it's essential to check with the Chinese authorities or the Chinese Embassy in your country for specific guidelines.

Step-by-Step Process

Verify Eligibility: Confirm whether your document is eligible for apostille. Certain documents, like private agreements, may not be eligible, and alternative authentication processes might be required.

Prepare Your Document: Ensure that your document is an original or a certified copy. If notarization is necessary, have it notarized by a licensed notary public.

Contact the Chinese Embassy or Consulate: Reach out to the Chinese Embassy or Consulate in your country to understand their specific requirements and procedures for apostille services.

Complete Necessary Forms: Fill out any required forms provided by the Chinese Embassy or Consulate. Include all relevant information and details about the document to be apostilled.

Submit Your Documents: Deliver your documents, along with the completed forms and any required fees, to the Chinese Embassy or Consulate. Some locations may allow for postal submission.

Payment of Fees: Be prepared to pay the fees associated with the apostille service. The cost may vary depending on the type of document and the processing time.

Wait for Processing: Apostille processing times can vary. Check with the Chinese Embassy or Consulate for an estimated timeline and inquire about any expedited services if needed.

Receive the Apostilled Document: Once the apostille process is complete, you will receive your document with the attached apostille certificate. This certificate validates the document's authenticity and ensures its recognition in China.

Navigating the China apostille process for documents destined for China requires careful attention to detail and adherence to the specific requirements outlined by the Chinese Embassy or Consulate. By following the prescribed steps and ensuring that your documents meet the necessary criteria, you can streamline the international recognition process and proceed confidently with your plans involving China. As the gateway to countless opportunities, China welcomes individuals and businesses with properly apostilled documents, ensuring a smoother transition across borders.

In conclusion, obtaining an apostille for documents bound for China is a vital step for anyone looking to engage in international activities in this dynamic and influential country. By understanding the process and partnering with the relevant authorities, individuals and businesses can ensure that their documents are officially recognized and accepted, opening doors to a myriad of possibilities in the diverse landscape of China.

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starfriday · 1 year ago

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CELEBRATION OF WORLD POST DAY AND NATIONAL POSTAL WEEK 2023 FROM

09TH OCTOBER, 2023 TO 13TH OCTOBER 2023: Office of the Chief Postmaster General, Maharashtra Circle, Mumbai – 400 001

The World Post Day marks the Anniversary of the establishment of Universal Postal Union, headquarter at Bern and is held on 09th October of every year. Department of Posts is celebrating National Postal Week 2023 from 09th October, 2023 to 13th October, 2023.

India Post, a vital part of the country's communication and logistics infrastructure, has undergone significant changes over time. From its inception in 1854 during British rule to its

present role as a multifaceted postal, financial, and retail service provider, India Post has adapted to the evolving needs of the nation.

The late 20th century witnessed a paradigm shift with the advent of electronic communication. To stay relevant, India Post embraced technological changes, introducing services like speed post and express parcel post. These innovations aimed to provide faster and more efficient postal solutions, catering to the changing demands of a rapidly modernizing society.

The launch of India Post Payments Bank (IPPB) in 2018 marked another significant step. This move was aimed at leveraging technology to provide banking services to the unbanked and underbanked population. IPPB's services, accessible through post offices and mobile phones, further bridged the gap in financial inclusion. Simultaneously, India Post expanded its retail services, collaborating with e-commerce companies to facilitate the delivery of goods. The rise of online shopping in India presented an opportunity for India Post to redefine its role in the logistics chain, becoming a key player in the e-commerce ecosystem.

The ongoing digital revolution has prompted India Post to further innovate. Mobile applications and online platforms have been introduced to enhance the customer experience, allowing individuals to track parcels, access postal services, and manage their finances with ease. Moreover, sustainability has become a focus for India Post in recent years. The organization has implemented eco-friendly initiatives, including the use of electric vehicles for mail delivery and the promotion of paperless communication. These efforts align with global trends towards environmentally conscious practices.

In summary, India Post has undergone a remarkable transformation over the years, adapting to technological advancements, economic shifts, and societal changes. From its origins as a postal service provider, it has diversified into financial services, e-commerce logistics, and digital solutions. As India continues to evolve, so will the services of India Post, reflecting commitment to innovation, inclusivity, and efficiency.

Facts and Figures

Maharashtra Circle consists of two States i.e. Maharashtra and Goa. There are 6 regions, 43 Postal and 7 RMS Divisions. With the wide network of post offices viz. 61 Head Post offices, 2,157 Sub Post offices and 11,812 Branch Post offices, distributed across rural areas of Maharashtra and Goa, the Department is able to provide banking and delivery services with a total of 19,930 Departmental Staff and 19,269 Gramin Dak Sevaks.

Since the last five years, Maharashtra Circle has recruited 5,465 Postal Assistants, 5,863 Postmen/Mail guards and 3,635 Multi-Tasking staff. Besides, 9,344 Gramin Dak Sevaks (GDS) have been engaged in Branch Post offices in rural areas. During the current year, 6,282 posts has been notified for recruitment of GDS. The process for engagement in under progress.

Parcel Directorate has been set up for capturing the e-Commerce Market. For processing the parcels in Maharashtra Circle, 27 Nodal Delivery centers are functioning for direct and mechanized delivery of parcels. Agreement for Rail Gati Shakti, joint parcel product with the Indian Railways is signed to leverage last mile reach of India Post and middle mile strength of Railways. Average daily receipt of parcels are around 44,500 of all kinds. Average daily receipt of mail of all categories is 18.95 lakhs.

India post have ventured into the Global Market through Dak Niryat Kendras. In Maharashtra Circle, 56 Dak Niryat Kendras are functional wherein, the small and medium exporters have registered themselves. These exporters can file online Postal Bill of Export for seamless booking of commercial export of parcels.

India post is the largest postal network in the world, which serves as a critical lifeline for communication and financial services in India. Post Office is One Stop Shop. In Maharashtra Circle, 41 offices function as Passport Sewa Kendras, 1288 provide Aadhaar Services, 52 offices facilitate booking of Railway tickets, 15,169 post offices provide services of Common Service Centers. All the post offices provide Insurance and Financial services. 75 ATM's have been installed in Maharashtra Circle.

Services of Post offices viz. Postal Life Insurance, Core Banking Service, India Post Payments Bank services and other Postal Services such as booking and delivery of articles are offered to members of public residing in remote areas using RICT devices, through 11,812 Rural Branch Post Offices, including 829 located in LWE areas.

Department of Posts has launched Darpan 2.0 Android mobile App for providing faster and safer Postal services to customers in remote areas. Under this mega launch project, old RICT devices have been replaced by supply of new Mobile Handsets to all Branch Postmasters (i.e. End Users) under Darpan 2.0 Android Mobile App. 11,812 mobile devices have been supplied to Branch offices.

In respect of Saving Bank activities, Maharashtra circle has 2.59 crores of Live accounts. 3.55 lakhs Mahila Samman Saving Certificate Schemes accounts amounting to Rs. 2185 crores have been opened in Maharashtra Circle up to 02.10.2023 since the date of introduction i.e. 1/4/2023.

Maharashtra circle has opened 11 lakhs India Post Payment Bank accounts during the current financial year, contributing to a total of 85.77 lakhs of IPPB accounts since inception. IPPB also provides third party products viz. GIC. Last year Maharastra topped the Pan India list with 9.5 lakh policies with premium of 38.38 Crores. Besides this, IPPB also provides generation of Live Certificates for the Pensioners. During last year, 57,928 live certificates were generated. One instance of how the postman can reach the old and sick is annexed in Annexure ‘A’.

Maharashtra Postal circle has achieved new premium collection of Rs. 23.97 crores with 25,500 number of policies in respect of PLI and Rs.15.39 crores with 25,413 no of policies in respect of RPLI during the current financial year.

Maharashtra Circle has achieved a revenue of more than 1500 Cr each, during the last two years. The current revenue achievement is Rs.724 cr upto August 2023

The deployment of QR code-based payment facility in post offices is a milestone in the society's migration towards a digital economy, as the Post Office is an institution of the common man whose social significance goes much beyond its revenue figures. Provision of digital payment facility is a future- oriented initiative which marks the presence of the post office in the revolution of “Digital India” campaign and contributes to India becoming a digitally empowered society. Total transactions done during 2022-2023 were 332069 with an amount of Rs. 4.37 cr. In the current year 91874 transactions have been done with a total amounting to Rs. 1.62cr.

‘Annexure A’

Digital Life Certificate (DLC)

Photograph given is of Shri Ramesh Sabnis, retired RTO officer and pensioner who was hospitalized at Shinde nursing home, Hadapsar, Pune.

He was bed ridden then and his family members were worried about how to get done the DLC for his pension. One day his daughter Smt Shama Deshpande visited Hadapsar IE post office and met Shri Pandurang Anande, Post man Hadapsar IE and explain him the whole situation. Immediately Shri Pandurang Anande went to Shinde Nursing home with her and not only done the DLC of Shri Ramesh Sabnis but also open the IPPB account. Due to this prompt and doorstep service in the ICU ward by our Post man every body was appreciated him and expressed thanks to the Department of Posts. After this Shri Pandurang Anand have served many pensioners and he is amongst the one of the top performed in the Pune Region in providing IPPB services to all sections of public.

Day-wise Activities for National Postal Week

On 9th October 2023 – ‘World Post Day’ – This year’s World Post Day theme is ‘Together For Trust’. The purpose is to create awareness about the Post’s role in the everyday lives of people and businesses, as well as its contribution to global social and economic development. A special cancellation on World Post Day, a Presentation Pack and Pack of postcards with a special cancellation on Avian Diversity of Maharashtra & Goa will be released on 9th October, 2023.

On 10th October 2023 – ‘Vittiya Sashaktikaran Diwas’ – Dak Community Development Program (Dak Choupal ) has been organized in 113 locations in Maharashtra with active participation of all stake holders from Central, State and Local Government bodies. The Dak Community Development Program (DCDP) aims at bringing all Welfare schemes of Central Government, State Government and Local authorities at one platform exclusively for beneficiaries. It also includes raising awareness among the members of public about all prevalent schemes and the means to avail such benefits. POSB quizzes are organized for the customers, agents, GDS and Departmental staff.

On 11th October 2023 – ‘Philately Day’: A Postcard showing AUGMENTED REALITY in Philately alongwith a the cancellation will be released. A pack of postcards on Stepwells of Maharashtra alongwith a Special cancellation will also be released. The function will be concluded with a Post Crossing Meet up.

On 12th October 2023 – ‘Mails and Parcel Day’ – Conducting workshops with Postmasters and delivery staff posted in field units (Delivery post offices/Nodal Delivery Centre) through VC/physical mode by all Divisional Heads/Sub Divisional Heads for improving delivery efficiency, for correct and effective utilization of Postman Mobile App by delivery staff, sensitization of delivery staff for delivery of Parcels at the doorsteps of the addressee. Customer Meet for bulk customers is being organized to inform customers about new initiatives taken under Parcel Tracker.

On 13th October 2023 – ‘Antyodya Diwas’ –is celebrated to commemorate the contribution of the Department of Posts in the lives of the common man. Awareness cum Aadhar enrolment and updation camps will be organised in rural/remote areas and urban slums. People will be made aware of the Direct Benefit Transfer (DBT), Social Security Pensions, Jan Suraksha Schemes and other products and services of the Department.

#indiapost #postal

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ebonydirectory1 · 1 year ago

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Terms And Conditions And Disclaimer

TERMS AND CONDITIONS

Last updated: 2023-09-17 1. Introduction Welcome to Ebony Directory (“Company”, “we”, “our”, “us”)! These Terms of Service (“Terms”, “Terms of Service”) govern your use of our website located at ebonydirectory.com (together or individually “Service”) operated by Ebony Directory. Our Privacy Policy also governs your use of our Service and explains how we collect, safeguard and disclose information that results from your use of our web pages. Your agreement with us includes these Terms and our Privacy Policy (“Agreements”). You acknowledge that you have read and understood Agreements, and agree to be bound of them. If you do not agree with (or cannot comply with) Agreements, then you may not use the Service, but please let us know by emailing at [email protected] so we can try to find a solution. These Terms apply to all visitors, users and others who wish to access or use Service. 2. 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COMPANY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE. THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW. 20. Limitation Of Liability EXCEPT AS PROHIBITED BY LAW, YOU WILL HOLD US AND OUR OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS HARMLESS FOR ANY INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGE, HOWEVER IT ARISES (INCLUDING Read the full article

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instantgardenstarlight · 1 year ago

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MaryKayInTouch

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hotelsbd · 1 year ago

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divorcelawyergunnisonutah · 1 year ago

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Utah Code Liens 38-8-3

Utah Code Liens 38-8-3: Enforcement of Lien–Notice Requirements–Sale Procedure and Effect 1. An owner may enforce a lien described in Section 38-8-2 against an occupant if: a. the occupant is in default for a continuous 30-day period; and b. the owner provides written notice of the owner’s intent to enforce the lien, in accordance with the requirements of this section, to: i. the occupant; ii. each lien holder disclosed by the occupant under Subsection 38-8-2(3)(b); iii. each person that has filed a valid financing statement with the Division of Corporations and Commercial Code; and iv. each person identified as a lien holder in the records of the Motor Vehicle Division. 2. An owner shall provide the written notice described in Subsection (1)(b): a. in person; b. by certified mail, to the person’s last known address; or c. subject to Subsection (3), by email, to the person’s last know email address. 3. If an owner sends a notice described in Subsection (2) by email and does not receive a response, return receipt, or delivery confirmation from the email address to which the notice was sent within three business days after the day on which the notice was sent, the owner shall deliver the notice in person or by certified mail to the person’s last known address. 4. A written notice described in Subsection (1)(b) shall include: a. an itemized statement of the owner’s claim showing the sum due at the time of the notice and the date when the sum became due; b. a brief description of the personal property subject to the lien that permits the person to identify the property, unless the property is locked, fastened, sealed, tied, or otherwise stored in a manner that prevents immediate identification of the property; c. if permitted by the terms of the rental agreement, a notice that the occupant may not access the occupant’s personal property until the occupant complies with the requirements described in Subsection (9); (c) d. the name, street address, and telephone number of the owner or the individual the occupant may contact to respond to the notification; e. a demand for payment within a specified time not less than 15 days after the day on which the notice is delivered; and f. a conspicuous statement that, unless the claim is paid within the time stated in the notice, the personal property will be advertised for sale and will be sold at a specified time and place. 5. A notice under this section shall be presumed delivered when it is deposited with the United States Postal Service and properly addressed with postage prepaid. \ 6. After the expiration of the time given in the notice, the owner shall publish an advertisement of the sale of the personal property subject to the lien once in a newspaper of general circulation in the county where the self-service storage facility is located. a. An advertisement described in Subsection (6) shall include: i. the address of the self-service storage facility and the number, if any, of the space where the personal property is located; ii. the name of the occupant; and iii. the time, place, and manner of the sale, which shall take place not sooner than 15 days after the day on which the sale is advertised under Subsection (6)(a). (iii) 7. A sale of the personal property shall conform to the terms of the notice provided for in this section. 8. A sale of the personal property shall be held at the self-service storage facility, at the nearest suitable place to where the personal property is held or stored, or online. 9. Before a sale of personal property under this section, the occupant may pay the amount necessary to satisfy the lien and the reasonable expenses incurred under this section and thereby redeem the personal property; upon receipt of this payment, the owner shall return the personal property, and thereafter the owner shall have no liability to any person with respect to that personal property. 10. A purchaser in good faith of the personal property sold to satisfy a lien as provided for in this chapter takes the property free of any rights of persons against whom the lien was valid and free of any rights of a secured creditor, despite noncompliance by the owner with the requirements of this section. 11. In the event of a sale under this section, the owner may satisfy the lien for the proceeds of the sale, subject to the rights of any prior lien holder; the lien rights of the prior lien holder are automatically transferred to the proceeds of the sale; if the sale is made in good faith and is conducted in a reasonable manner, the owner shall not be subject to any surcharge for a deficiency in the amount of a prior secured lien, but shall hold the balance, if any, for delivery to the occupant, lien holder, or other person in interest; if the occupant, lien holder, or other person in interest does not claim the balance of the proceeds within one year of the date of sale, it shall become the property of the Utah state treasurer as unclaimed property with no further claim against the owner. 12. If the requirements of this chapter are not satisfied, if the sale of the personal property is not in conformity with the notice of sale, or if there is a willful violation of this chapter, nothing in this section affects the rights and liabilities of the owner, occupant, or any other person. Creditors come in two basic types: secured and unsecured. Although the amount of the debt may be the same, the remedies available to the creditor are very different. Secured creditors have a claim against a specific asset, whereas unsecured creditors do not. Creditors can be unsecured or secured. An unsecured, or general, creditor has a general claim against a debtor this claim is not secured by any particular asset of the debtor. An unsecured creditor has the weakest claim, which may go unpaid in a bankruptcy proceeding. However, an unsecured creditor may become a secured creditor after a lawsuit and judgment. A secured creditor, who has an interest (referred to as a lien) on a particular asset, can use the court system to seize the asset and to satisfy the debt. This clearly presents a significant risk for the business owner.

Liens Enable Creditors to Assert Rights Over Property

Unless the debtor is prudent and has taken measures to safeguard his assets, there is a risk that the creditors can seize assets and take your wealth. In order to know if your assets are at risk, it is imperative that you have an understanding of the different types of liens you may encounter as a small business owner: • Consensual • Purchase-Money Security Liens • Non-Purchase-Money Security Liens • Statutory • Mechanic’s Liens Tax Liens • Judgment

Consensual Liens Are Voluntary

As the name implies, consensual liens are those to which you voluntarily consent, as a result of a loan or other advance of credit. The property purchased secures the buyer’s obligation to pay for the property. One common example is the residential mortgage: a home buyer consents to a bank taking a security interest in the home when a mortgage is obtained. Similarly, a security interest also is created when a car dealer arranges for financing for a car buyer.

There are two broad classes of consensual liens: • Purchase-Money Security Interest Liens: Here, the creditor extends credit to the debtor specifically for the purchase of the property that secures the debt. Examples include a first mortgage on a home, a car loan, and situations in which the seller finances the purchase of property, such as furniture, through a credit agreement. • Non-Purchase-Money Security Interest Liens: Here, the debtor puts up property he or she already owns as collateral for a loan. The loan proceeds are then used to pay expenses (or perhaps to buy other property). Examples include a second mortgage (or refinancing of a mortgage) on a home or a loan used to pay operating expenses with previously owned office equipment put up as collateral. Both types of consensual liens are usually non-possessory. This means that the creditor does not take or retain possession of the property; rather, the debtor takes, or retains, possession of the property. However, it’s possible for either type of consensual lien to be possessory. In that case, the creditor takes possession of the collateral. A loan from a pawnbroker, for example, usually would create a possessory, non-purchase-money security interest lien in the collateral. While this seems very straightforward, the type of debt can have a large impact on the creditor’s rights if a debtor defaults. The rules vary from state to state, but characteristics of a debt are critical to understand if assets are to be protected. Issues include: • Who is holding the property that secures the debt: the debtor or the creditor? In a car loan, the debtor has possession of the property. When a loan is obtained from a pawnshop, the creditor has possession of the property securing the loan. • Was the debt incurred to purchase property or not? For example, a first mortgage loan is a purchase money loan since the proceeds were used to purchase a residence. In contrast, a refinancing loan is not a purchase money loan. The homeowner already owned the property. • What is the nature of the property to which the lien is attached? This is often the essential inquiry when it comes to asset protection. The states, as well as the federal government, have a wide variety of laws relating to what assets are protected from creditors and how they are protected. The primary mechanism for protecting selected assets is a concept called exemptions. In essence, the law may declare that certain property simply cannot be seized by a creditor.

Statutory and Judgment Liens Arise by Operation of Law

In addition to consensual liens, there are many different types of liens that creditors can use to get at your assets to satisfy a debt. In certain circumstances, creditors obtain security interests by the operation of state (or federal) laws. These liens include: • Mechanic’s Liens: This type of lien arises when a contractor or mechanic performs work on property and is not paid. Examples include a contractor who installs a furnace in a home, or an auto mechanic who performs repairs to a car. This lien is a security interest in the property. If the owner tries to sell the property, the debtor will have a secured interest in the portion of the proceeds needed to pay the debt. In addition, having a mechanic’s lien can delay or prevent the sale of real property until debt is satisfied and the lien released. • Tax Liens. This type of lien is placed against property by the local, state or federal government, as authorized by statute, for delinquent taxes, including property, income and estate taxes.

Judgment Liens Arise As a Result of a Lawsuit

Of the three types of liens (consensual, statutory and judgment,) the judgment lien is the most dangerous form, but one which the informed business owner may be able to eliminate. A judicial lien is created when a court grants a creditor an interest in the debtor’s property, after a court judgment. Judgment liens can arise in a wide variety of circumstances basically, any incident that can land you in court can end up generating a judgment lien.

For example, if you are driving negligently and injure someone in an accident, the injured person may to sue for damages. To the extent that your insurance doesn’t cover the judgment, a judicial lien may be placed against your property to secure payment of the claim to the injured party. A plaintiff who obtains a monetary judgment is termed a “judgment creditor.” The defendant becomes a “judgment debtor.” The judgment in the lawsuit provides the basis for the lien. If the debt is not paid, the judgment creditor can then seek to enforce (or execute) the judgment. This can be accomplished by garnishing wages, seizing a bank account, or placing a lien against the debtor’s property. The lien is the first step by the judgment creditor in a process that will culminate in a sale of the attached property, to satisfy the judgment debt.

Any lien placed on the defendant’s assets as a result of a court judgment is known as a judgment lien. If a lien were placed on a home, the judgment creditor could then seek to foreclose on the property, in the same way a mortgage holder such as a bank could foreclose if it were not paid. In this section, the term “judgment lien” is used in its strictest sense: a lien attributed to a court judgment, where the court judgment itself is the basis for the lien.

An example would be a plaintiff who is awarded a monetary judgment against a defendant in a lawsuit based on negligence, and who then is granted an order of attachment against the debtor’s property. In contrast, this definition excludes a judgment based on a pre-existing lien (i.e., a prior consensual lien or statutory lien). Thus, for example, this definition would exclude a judgment in a mortgage foreclosure. This distinction is critically important in discerning what types of liens against exempt property can be eliminated.

Notice to Perform

In real estate, a notice to perform is a document that sets up a contract with detailed expectations for either the buyer or the seller. If the expectations are not met, the party that sent the notice can cancel the real estate deal. The notice to perform serves two purposes—it gives the first party the chance to tell the other that there is an issue, and the second a chance to fix it before the deal is canceled. A notice to perform is a real estate clause or contract that requires parties to act by a set date. In many instances, you must give the notice to perform before you can cancel a purchase contract. Either the buyer or the seller can issue a notice to perform. However, the two parties may approach the process with different goals. You aren’t required to send a notice to perform if a buyer or seller misses a deadline. A gentle reminder from your real estate agent might be appropriate, but it depends on your circumstances. A notice to perform is usually only used if one party wants to cancel a deal because their requests aren’t met.

Sellers might demand that buyers perform because they don’t want to drag out an escrow, only to find out the buyers were never going to close. In the case of a contingency release, the seller may be entitled to the buyer’s earnest money deposit if the buyer later cancels the transaction after releasing all contingencies. Real estate deals can be full of contingencies. Some common ones are: • A loan contingency so the seller can cancel the deal if the buyer does not secure a loan in time.\ • An appraisal contingency so the buyer can cancel if the home appraises for less than the price in the contract. • An inspection contingency that allows the buyer to back out of the deal if the inspector finds major issues. • The seller and buyer might need certain disclosures and reports. • The buyer may want the house they own to sell before they complete the purchase of another.

Why Use a Notice to Buyer to Perform?

Buyers may not be aware of all the contractual agreements they’re making when they sign a purchase agreement. However, before a seller can cancel a contract due to the buyer’s failure to do any of these things, the seller must send the buyer a notice demanding that the buyer perform. Some common seller concerns are: • The buyer hasn’t made an earnest money deposit. • The seller might want to increase the earnest money deposit. • The buyer needs to submit a loan preapproval or prequalification letter. • The seller might want to see proof of funds to close escrow. • The seller might want the buyer to sign and return disclosures and reports by a specific date. • The seller wants the buyer to provide evidence that their current home is in escrow.

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