#how to check pf balance

[dipuguide]

खुशखबरी! बिना UAN नंबर के PF बैलेंस जानने का आसान तरीका

PF balance without UAN Number: आज के समय में, प्रत्येक व्यक्ति की एक सुरक्षित रिटायरमेंट की आशा रहती है। इस आशा को साकार करने के लिए Employees’ Provident Fund (EPF) एक महत्वपूर्ण भूमिका निभाता है। परंतु, कई बार हम यूएएन नंबर के बिना भी PF बैलेंस की जानकारी प्राप्त करना चाहते हैं। लेकिन हम इसमें असमर्थ हो जाते हैं और बिना अन नंबर के बिना पीएफ बैलेंस चेक नहीं कर पाते हैं इसी का समाधान लेकर आए हैं…

[akutasoda]

how would all teyvat people react to discovering the truth of the impostor? Would they ask the BSD cast to see the reader? (Sorry the bad grammar, inglish ins't my first lenguage)

a world of my own

synopsis - in a world of abilities perhaps you had a very unique one

includes - venti, zhongli, ei, nahida, furina

warnings - gn!creator!reader, crossover fic between bsd and genshin!, angst, minor comfort, slight fluff?, small mentions of injuries, wc - 2k

a/n: first post after hiatus! this has been in the works for ages and im so sorry it took so long, i had alot pf fun writing and coming up with ideas for this! :) is this classed as sag!au?

your ability was unique to say the least. abilities were rather unique anyway but yours was a bit more out there than the traditional scope of abilities. you never thought much of it at first, you didn't even realise until later in your life as it was quite difficult to figure.

you can't really make out when you first discovered let alone knew about your ability. because an ability to create life wasn't an everyday occurrence. your ability resolved around your writing, around your ability to craft worlds out of paper and ink and form a world that governs on it's own. with characters that can make their own decisions, with a world that can change according to their actions.

and at the time, you hadn't quite realised the extent of what that meant. so when you decided to craft a world around various nations that resembled that of the real world you didn't think much of it. if anything you found it exciting - especially because you could view the characters you fashioned through the pages and see how they adjusted to their world.

but very quickly you learnt that this world you had created was now it's own. while you could add to it and control it, that wouldn't do for when you were away as you couldn't dote on them 24/7. so you thought that a nice touch would be to add beings named 'archons'. god's who could maintain the lands you created and even give gifts to those the deemed worthy - 'visions'.

but apart from your bustling world that you created, you found other uses for your ability. uses that eventually lead you to having your skill recommended by a man who you briefly met, to an agency. you found him interesting when he approached you because he was no man.

he was a calico, one that could become human and he seemed to know all about your ability. and eventually, with your permission, he recommended you to an old student of his. a student who then accepted your application into the place named 'the armed detective agency'. and that was where you worked, you worked there in return for the protection they were asked to grant you for your ability - because if anyone found out, your life surely would hang in the balance.

the agency took up most of your time nowadays. so much so that by the time you had passed the entrance exam and adjusted to your new work, your world you created had dissolved into chaos. it seemed the archons you created had destroyed a nation you created, killing seemingly all residences.

and you didn't know what to do, you could recreate the nation but they probably would destroy it again. or you could get rid of your archons but they had become so integrated into the world you had no choice other than to let them be. and that probably was the best choice. this world you had created was now just as real as the world you resided in and even as the creator, interfering with what they did would be wrong.

and so you let it be. you still checked periodically on the world however. every night you would spend at least some time watching over your world and entertaining yourself with the experiences your characters had given themselves and the people they had become. but you also liked a more direct interaction occasionally.

as another element to your ability was to cross the threshold of paper and become one with the world you had created before returning to your true world. interacting with your characters face to face and exploring the world they had formed off your foundations of life you granted.

perhaps you also had favourites. and maybe they would find that things started going their way more often or whatever issue they told their new friend became mysteriously solved. however, the archons were slightly more aware, more tuned in to the world around them.

so much more aware that they could tell something wasn't sitting right. the first one to fully deduce what was occuring was the shogun. she had assumed the conclusion that the new person who often visited inazuma and the various other nations was nothing but an imposter. an outlier in their world, someone who threatened her eternity. and so word spread among other archons like wildfire - and they were more than prepared to defend the land they lived in.

when creating tevyat and it's residents you'd never expected them to turn on you. not sparing you the moment to explain or even defend yourself and now you were met with the wrath you gifted your creations. you sought out your shelter back in your real world - re-entering your world in a decreasing state of injury.

not even the agency could believe that the greatest danger came from your own creations. the agency made note to keep an eye on your creations now aswell. but what you hadn't realised, considering you never touched the world you created after, is that the archons had come to realise the misinterpretation. realise they had hurt what was in fact their creator - how else would you bave disappeared from their world completely throigh means of pages and ink? and now they wanted to transcend those same pages to fix their wrong doings. but you both knew it would be impossible right?

venti ★↷

the tone deaf bard. not the original archon you created but the one you returned to. the bard that was an elemental being and now the archon in place of the deceased anemo archon you originally formed. but you still found him rather charming - he had his own quirks per say.

quirks that you never would've guessed would include him becoming so violent and unreasonable when he was convinced you were a threat. but those same quirks made him realise his mistakes rather soon after. if none of the other archons were going to apologize he would be damn sure that he tried.

but unfortunately he had very little idea on how he could break the barrier of paper and ink, to reach you - his creator. he wanted nothing more than to find you and apologize until his voice was hoarse and he could no longer sing. anything for your forgiveness.

but for now all he could do was mellow in his sorrow and wait for someone to devise a plan to get themselves back in your life.

zhongli ★↷

he was an interesting case. perhaps you went a bit too overboard making him both an archon and the geo dragon but you'd call that character building. but regardless, he was another one of the characters you had created with care and that meant he was no different.

he was very wise aswell. but perhaps he wasn't wise enough to question the electro archons actions and instead went along with them. and it was only when he hurt you that he realised who you may be when the ink and paper pulled you out their world. the world he realised you may of created.

the severity of what they might of done weighed heavy upon his mind and he would not rest unless the situation was solved. he needed to clear his and the lther archons conscience and the only way to do so would be to transcend into your world and apologize to their creator. and so he would do anything he can to make that happen.

ei ★↷

you knew your electro archon was more violent than her predecessor. but you couldn't blame her, she had lost alot and now she practically only had one goal in her mind. but you still believed she was fit for running the nation of inazuma and trusted that she would make the right decisions for it.

but you never anticipated this would be a decision she would make. one that caused you the most pain and suffering, most of your injuries sustaining from her. she was the one that decided you were an outsider that posed a threat to her eternity and the entire of tevyat. so maybe that was why she felt so much regret when she found out who you were.

how could she hurt her very creator? however the shogun still held a high pedestal and couldn't really comprehend her emotions so she would be the last to apologise if they ever made it too you. she would want to apologise but she can't.

(platonic!)nahida ★↷

nahida was not buer. she was in some aspects but not the very same from 500 years ago in their world, you guessed it would've been unfair to assume nothing would change. but even so, you adored the young appearing girl that filled the role of sumeru's archon. someone that made a great sacrifice and held vast amounts of knowledge.

she may appear as a young girl but she definitely had the attitude of a mother and you couldn't of been more proud of her. maybe that was why you were massively hurt by her sudden change. and she didn't feel great about it either. she was so reluctant to join and tried reasoning with the other archons that were more violent but nothing worked.

she probably was one of the first to realise who you truly were which only made her guilt worse. now you were gone, they had hurt their creator. and from sumeru's vast knowledge she would be the first to figure how to transcend to fix their mistakes.

furina ★↷

yet again another archon that you had not left in charge - but she was different. you found the sentiment to be rather bittersweet. your original hydro archon being beheaded and in her place the girl she asked to play her role in fontaine's vast tapestry. a human playing a god, guess anything could happen in your world.

furina was also another one that was hesitant to join the archons in their violence. she was rather conflicted and found herself confiding in neuvillette when the other archons realised theor mistake and this world had a creator - one they know hurt.

her regret and guilt made her almost forget completely about the prophecy. she wanted nothing more than to be the first person to break the barriers of pages and apologize. and even perhaps then if she got back in your good book you could help her erase the prophecy.

bonus: neuvillette ★↷

the hydro dragon. you had created the dragons for their respected elements after being motivated to do so - they would add another depth to the world. but the last thing you expected was for each of them to be stripped of their powers and left with the only option but to kill the respective archon for them back.

you hated what this had become but what little could you do now? neuvillette had only known of the situation when furina confided her regret in him. he despised the archons for jumping straight to conclusions and resorting to violence like they did all those years ago. but now all he could do was assist furina in her search to break the barrier of paper and ink.

while he may not have hunted you himself, he still felt as if he owed you an apology some how - and the idea of meeting his creator intrigued him. but residents of fontaine hoped that whatever troubled the hydro dragon would be resolved as it had never rained so much before.

[pillowfort-social]

Site Update - 8/3/2023

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[melancholia-ennui]

Some thoughts on PF2e

Context: I played PF2e for ~2 years in two campaigns. Concurrently, I have been playing 5e since release, including running a 4yr continuous campaign from lv 1-20. I have a little experience of 3/3.5e from the NWN games, but never PNP, and I've dabbled in short campaigns in a few other systems, including Cypher and a system a friend was designing.

So, with everything going on (*gestures at WotC burning every last shred of good will they ever garnered from the community*), a lot of people are currently looking for a new TTRPG system to pick up. A fairly common piece of advice that I hear is "if you want something like D&D, try Pathfinder". While this statement makes sense in the grand scheme of all TTRPGs ever, and both systems trace something of their genetic heritage to the same original system (3e), it over looks the fact that the play feel and play style of these games are actually quite different, and I worry that it is setting some people up for disappointment if they don't understand the differences between these systems before going in.

So here's a little primer on the vibes key differences between these games, to help you gauge whether PF is actually the right choice for you if you're coming from 5e.

Disclaimer: I'll only be talking about PF2e here, as I haven't played the original PF - however, based on everything I've heard and read about it, many if not all of these points will apply equally to PF1e.

I've divided this discussion into sections so you can jump straight to the part of the game that most interests you. More could certainly be said on each of these points - my goal here is not to give a perfect understanding of the nuances of the game, but rather an overall "vibe" so you can gauge whether it's likely to be worth your time. If you're still on the fence about it after reading this, give it a try and see for yourself how it stacks up!

Overall

A Rule For Everything. Where 5e is often quite hand-waivy in the details of what you can and can't do, leaving a large part up to a mixture of GM discretion and interpretation, PF2e has a specific rule for most actions you would want to take in most circumstances. Pros: this results in fewer "falling through the cracks" moments where it's unclear how you should rule a particular action (in particular, you're not going to see the frequently botched "is an ability check an action, bonus action, or free" you get at many tables in 5e); good for supporting newer GMs who haven't developed the judgement need to make rule callings well in a rules-lighter system like 5e. Cons: offers less flexibility and GM freedom; I found that often questions which would be answered with "sure, give me a X check" in 5e were answered with "you don't have enough actions" or "you don't have the right feat" in PF2e; and if you've got a rules lawyer at your table, you need to expect a lot more rules-lawyering.

Finely Balanced. We all know that 5e is a little bawked - PF2e, by contrast, is a ruthlessly well-balanced system. While I'm sure experienced players have found ways to break it, I found that even extreme builds rarely feel outside of a narrow scope of variation. Those used to playing martials will especially notice the difference, as casters are much more closely pegged to martial progression than the "casters are better at everything" state of 5e. Pros: Very difficult to break the game; GM is very unlikely to be surprised by player capabilities; martials are much less overshadowed by caster. Cons: While it's hard to make a broken character, it's easy to make a bad one that lags behind more experienced players; can feel more "samey" (see discussion on Spellcasting below for more details); progression often feels slow, and it lacked the "oh shit I can do that now?!?" moments I've often had with 5e characters.

No Bounded Accuracy. What little balance 5e has is based around the system of Bounded Accuracy, which sets DCs at any level as falling between 5 and 30, on the assumption that 5 is the lowest roll you can make with proficiency and a positive ability score, discarding 1s, while 30 is the highest roll you can make with proficiency and a maximum ability score, except for 20s. PF2e has no such system. Instead of absolute values, PF2e has a sliding range of expected results that increases more or less linearly. As such, monsters and traps that are even a couple of levels higher than the party can become overwhelming rather than just difficult, and monsters much higher level than the party are untouchable. Pros: Can feel more realistic (as incredibly powerful dragon can't be taken down by a lucky commoner); numbers get satisfyingly big. Cons: Can feel less heroic (a commoner can't even touch a powerful dragon, no matter how lucky); much more subject to GM error and harder to adjust for "on the fly"; progress can feel slow with few "omg I can do that now?!?" moments (see Character Progression below).

Crunch. PF2e doesn't have the advantage/disadvantage mechanic, it has four levels of proficiency with different attached bonuses, many bonuses also use your level as a factor, floating modifiers don't abound like they did in 3e but are certainly more prevalent than they are in 5e, and in addition to all of that every DC needs to consider the +10 critical hit and -10 critical fail levels as well as the DC itself. You will be doing a lot more maths in PF2e than in 5e, on a turn-by-turn and level-by-level basis. Pros: Allows for a fairly high level of complexity, especially when it comes to how effects combine to give you bonuses to various attacks, saves and checks. Cons: If you find doing calculations slows play too much, well, this system has a lot more maths than 5e.

Character Creation and Progression

PF2e character creation and progression allow a great deal of customisation, creating a lot of diversity between characters.

To take just one example: where 5e has the single choice of a race/species/lineage, PF2e has several choices - your choice as first level is split between an Ancestry (broad categories like Elf, Human, Dwarf) and Heritage (kind-of like 5e subraces, but including the tiefling-type options, so you can play an Elf Tiefling, for example), and both choices give you access to a pool of Ancestry Feats that you acquire throughout your character development. While 5e races often feel more impactful from the get-go (especially when we consider races which have spellcasting or very powerful racial abilities such as Trance or Fury of the Small out the gate), PF2e ancestry and heritage choice well continue to affect you character till level 17, gaining increasingly powerful abilities as you go.

On the flip side of this, within the bounds of the tightly balanced mechanics of PF2e, the scope of "what a class feature/feat/magic item can be/do" is quite narrow. A significant number of your class progression features, feats, and even magic items you receive will be focused exclusively on keeping your numbers at the level of big they're supposed to be. This can be quite a culture shock from 5e where, unless you choose to take an ASI, you will more or less never have an entire level where the only advancement your character gets is "number get bigger".

I found this most frustrating when it came to magic items. In 5e, the bulk of magic items (especially in the earlier books) focus on expanding options with new ways of interacting with challenges (think the immovable rod or deck of illusions), with relatively few that focus on simple numerical increases (pretty much exclusively weapon +X and shield/armour +X). Importantly, because the few +X items go above and beyond the scope of bounded accuracy, getting one of these items always feels like the game is being rigged in your favour, so even these relatively bland options still come with a certain power trip and excitement. By contrast, in PF2e, players are expected to have certain magic items by certain levels - in fact, the system is balanced around this fact, so tightly that there even an optional rule to skip the items altogether and just make their bonuses part of your level up progression. As a result, at least in my experience, magic items becomes much more mundane - getting a new item feels less like a huge break and more like a necessary and expected part of your progression.

Further, because many feats have requirements of other feats or particular levels proficiency, PF2e follows 3e in that you need to plan your character more or less in full, as you'll often need to take particular feats or proficiencies several levels in advance if you want to pick up a particular later feat. This is in contrast to 5e, where planning a character is generally not required unless you are very committed to optimization - very few parts of 5e have any kind of prerequisites, and so you can generally pick up a particular feat or spell as soon as you hit the level it becomes available, without much forethought. For my part, I prefer 5e in this regard, as I like being able to adjust my character direction on the fly in response to events in the story, but while playing PF2e I found those possibilities were often gated behind earlier feat choices and whether or not I would be able to make those sudden changes in direction became very dependent on GM leniency over the retaining rules.

Lastly, although there are a lot of choices on the table, not all of those choices are equal, and PF2e has a bit of an issue with "illusion of choice" - cases where either both options are fundamentally the same (differing only in flavour or minor details), or else where one option is simply just better than another. For example, although in theory both Monk and Cleric have a couple of directions you can take them, I've been told that in both cases there's one or a couple of builds that are so head and shoulders above the others that choosing the other(s) becomes effectively playing with a handicap.

Combat

Where 5e uses the action/bonus action/reaction/movement action economy, PF2e has a three action economy: every turn, you have three actions, and most things you do use 1-3 actions, including moving, attacking, making checks, and interacting with objects.

In its defense, the three-action economy introduces a lot of opportunity costs that make combat feel tactical in a way that 5e often fails to be, and the restricted distribution on opportunity attacks (you have to have a feat, so not every creature and monster gets them) allows a lot more battlefield manouverability than some systems.

Unfortunately, it also has some issues. Firstly, due to the way the numbers work out, despite in theory having lots of options in combat, in practice there's often a single mathematically best option, which results in very linear and repetitious combat. (For a breakdown of the maths behind this illusion of choice phenomenon and comparison to 5e, see this video by Taking20.)

Secondly, because movement uses the same action economy as everything else, choosing to move always means not choosing to do something more impactful, like attacking, casting a spell, or even just raising your shield. This contributes to the problem of illusion of choice in the system, but it also has a problem all it's own: it makes fights incredibly static. In my experience at least, PF2e fights typically involve moving to a good position on your first turn and then repeatedly attacking or casting spells from that one spot until you're forced to move by a moving enemy or your target dying. By contrast, if you've got a DM who plays with cover and you're using the flanking optional rule, I rarely find reason not to move around for every possible advantage every turn in 5e. Similarly, where "can I leap off the balcony, swing on the chandelier, and attack the troll from above" is a very doable thing in 5e, you're likely making one attack max and not getting any of your ability benefits if you do that in PF2e - and that's if you're allowed to do it at all!

Now this final point is pure ~vibes~ - I haven't run the maths on it at all so it's entirely possible I'm just wrong here - but at least in my groups it felt like PF2e combat also lasted significantly longer. Most 5e combats are over in around 3 turns - but it at least felt like many of the PF2e fights I was in went to turn six or seven at least. This is good if you really enjoy Pathfinder combat, but as I say I found it less dynamic and even at times less tactical than 5e combat so it really felt like it started to drag in most cases, something I only really find in 5e when playing with new or inexperienced DMs.

Spellcasting

Now I'm a sucker for magic characters, and PF2e certainly has those.

As I noted above, PF2e spellcasting excels in its balance - it's pretty well pegged to the martial progression, so spells feel powerful but not so powerful they outshine the martials.

Mechanically, PF2e has a strong distinction between prepared and spontaneous spellcasting, with particular implications for upcasting. If you're a prepared caster (wizard, witch, etc.), you prepare spells each day for particular spell slots (this will be familiar for those who played 3e) - for example, if your Wizard knows fireball and enthrall and has two 3rd level spell slots, you can prepare two fireballs, two uses of enthrall, or one of each, but outside of certain class features once you've made the choice for the day it's set until you next rest (no swapping to a more niche spell when the moment comes for it!). Prepared casters learn each spell once, and can prepare it in any spell of it's level or higher. For spontaneous casters (e.g. sorcerer), you do not prepare spells each day, but instead you have a repertoire of spells you can cast, and you can assign spell slots when you cast the spell. However, you must learn each spell at each level you intend to cast it - you don't only need to know the spell to cast it, you must know it at the correct level, meaning valuable upcast spells may need to take up several slots among the few spells you learn.

This style of spellcasting requires a lot more forethought, and in this regard it arguably really centers the resource management aspect of playing a spellcaster.

However, in my experience at least, it feels very limiting after playing with the freedom of 5e spellcasting, and I often found myself preparing the same handful of generally useful spells every adventuring day.

Additionally, and this may in part be a problem of me just not having the time to look through the full spell list but it does fit with the wider design principles of PF2e, I found a general lack of spells that horizontally open up entire new modes of interacting with the world. Where 5e has spells like thaumaturgy, minor illusion, and command right out the gate, I found very few spells of this kind across the levels in PF2e, and those that did exist were always very carefully circumscribed with little room for originality in their use. On the upside, this is an excellent hedge against the classic 5e problem of overly cunning players with an under-prepared DM creating something game-warpingly broken with a low level spell slot, but I also felt I really missed the creative feeling of playing at the edges of barely defined magical effects and seeing what I could achieve with that.

As a final point in this section, where Scrolls are a pleasant but often rare part of a 5e caster's life, they are a core part of PF2e casters, so much so that - say it with me now - the system is balanced around the assumption you will have plenty available. (If you ever wonder why PF2e casters have fewer spell slots more or less across the board, this is part of the reason why.) If you are playing a caster in PF2e, buy and use scrolls often!

Exploration & Social Interaction

Without using third party expansions, 5e doesn't have either a proper exploration subsystem or a proper social interaction subsystem, which means your experience of these two pillars of play will vary wildly dependent on the DM at your table and how much (or little) they actually bothered to read the relevant sections of the DMG and supplementary materials.

By contrast, PF2e has developed subsystems for both - several, in fact, with the Influence, Reputation, and Leadership subsystems providing ways of navigating different scales of social encounter, and Hexploration and the exploration mode mechanics providing tools for exploration.

Of these, I've played in games using the Influence subsystem and the Hexploration subsystem, as well as exploration that draws more casually on exploration modes and various obstacles and dangers. I'll deal with each of the subsystems in turn, before giving an overview of how this approach differs from 5e.

Influence. This subsystem focused on tracking social encounters in a series of rounds, as party members uncovered the particular interests and weaknesses of their interlocutor and used those discoveries to help push through their persuasion. Cards on the table, I absolutely hated this system, as did our whole group, and we dropped it after a single session. I found it incredibly slow and clunky, with the constant die rolls and abstractions to the level of mechanics killing any possibility for meaningful RP. That said, I can also see the appeal for those who dislike the more structure-less or improv-style approach often taken in 5e games, and there are definitely aspects of the system I like enough to adapt to other uses (particularly keeping track of what topics or approaches will be especially effective for persuading a particular creature, and conversely which ones will likely cause it to close off).

Hexploration. This system involved moving around a hexagonal map in various steps, revealing the map as you went. I have fairly mixed feelings about this one. On the one hand, it was initially quite thrilling to have that "discovery" experience and watch the map slowly unfold. On the other hand, I quickly found it got slow and began to drag, as it became clear how many hexes we would need to traverse to discover as much of the map as we could.

The more casual form of exploration was closer to how I'm used to seeing it done in 5e, though with slightly better defined actions to be taken while traveling, which was welcome - although we often found everyone using the same handful (someone repeat casting detect magic, someone Scouting ahead to help with initiative, and most of the rest of the party Stealthing).

One thing that must be said is that all these subsystems are optional, and so if you don't like the rules of some particular system you can simply opt not to use it - although do take note of which feats players have selected, as some so specifically interact with particular systems. However, given PF2e lacks the bounded accuracy system, setting appropriate DCs for a given level requires at least checking a table, which is more work than the constant 5/10/15/20 baseline available in 5e. Additionally, 5e players should be prepared for the fact that many social or exploration things you might expect to just be able to do with some appropriate check are actually gatekept behind feats which you'll need to pick up over the course of your character progression if you want to do those things.

All told, the plethora of subsystems in PF2e will be very appealing to anyone frustrated by the lack of good rules for social interaction and exploration in 5e, though dependent on your play style you may find the more strictly regulated approach to these traditionally more hand-waivy and cinematic parts of play to be a bit stifling.

Conclusions

Everything I've said here is just my opinion, based on my own experience of the tables I've played at. That said, from everything I've heard being part of both communities, most of these generalisations hold up across the board.

I hope that I've managed to convince you that PF2e is not just a simple replacement for 5e - because if you went in with that expectation, it's definitely not what you'll find. That said, I still have a soft spot for many aspects of the PF2e system, and I hope that if you've seen something in here that's peaked your interest you'll be willing to give it a shot. (As an added sweetener to the pot, all the content for PF2e is available free online at the Archive of Nethys, so you don't even need to buy a single book to give it a try - WotC could never!)

On balance, I would say you're likely to really enjoy PF2e if:

You want a crunchy system with a rule for every possible action

You liked 3e/3.5e but wish there was something like it that was more streamlined without being "dumbed down" like 5e

You care a lot about balance and equality between different characters

You like planning your characters in advance

You like a lot of options, even if those options may be less impactful individually

You dislike the lack of subsystems in 5e

You dislike the chaos created by rules-vague spells and items in 5e

You like when number get bigger

However, while you might still get something good out of giving PF2e a try, you're much less likely to love it to bits if you:

Already find 5e too mathsy, crunchy, or complicated

Don't like memorising lots of particular details

Find items, feats and abilities that just increase your numbers a little dull

Enjoy flashy, cinematic magic even if it's unbalanced

Like making lots of your own homebrew and other to design it in a flexible system with a lot of give for over- or underpowered additions.

Are happy with fewer options but like every option you choose to feel like it has an immediate impact

Prefer gameplay that develops horizontally (more options) rather than vertically (better at doing what you can already do)

Prefer vague and poorly-defined magic for its creative potential

Hate rules-lawyering

If you're still on the fence, my best advice would be to just give it a shot - and if you find (like I did) that it's not really for you, then you can always just take the bits of it you do like and use them in other systems. Because that, really, is the joy of TTRPGs at the end of the day - we all get to create our own games, according to what we and our tables find fun!

Edit because apparently I somehow posted the wrong version of this and it was missing the tail end of the conclusion lol

[slnconsultancy]

How to Educate Employees About PF

SLNPFConsultancy #SLNESIConsultancy #SLNPFESIConsultancy #PFConsultancyHyderabad #BestPFConsultancy

The Provident Fund (PF) is one of the most important benefits for employees, offering long-term financial security and a reliable source of savings for retirement. However, many employees are unaware of the intricacies of the PF system, including its contributions, tax benefits, withdrawal rules, and how it fits into their overall financial planning. Educating employees about PF is essential to help them fully understand and maximize this benefit.

In this article, we’ll explore effective ways to educate employees about their Provident Fund and ensure they are well-informed about its value and long-term benefits.

Organize Educational Workshops and Webinars The most direct way to educate employees about PF is through structured workshops and webinars. These sessions can cover a variety of topics, from basic PF concepts to more detailed guidance on contributions, tax benefits, and withdrawal options.

Invite Experts: Collaborate with financial advisors, HR professionals, or representatives from the Employees’ Provident Fund Organisation (EPFO) to conduct these sessions. Their expertise can clarify common misconceptions and provide authoritative insights.

Interactive Q&A Sessions: Encourage employees to ask questions during these sessions. Having an interactive Q&A segment ensures that employees’ specific concerns are addressed, whether it's about their individual contributions or understanding PF rules.

Webinars for Remote Employees: For businesses with remote or geographically diverse employees, webinars can be a convenient way to disseminate PF information. Record the sessions so employees can access them later if they are unable to attend.

Regular workshops and webinars provide employees with ongoing education, ensuring they stay informed about any changes in PF regulations or contributions.

Create Easy-to-Understand Educational Materials Not every employee has the same level of financial literacy, so it’s important to present PF information in a clear and accessible way. Well-designed educational materials can simplify complex PF topics.

Handbooks and Guides: Develop an employee PF handbook that explains the basics of PF contributions, the employer’s role, and how employees can track their PF balance. Include sections on tax benefits, nomination rules, and how to make claims.

Infographics: Visual representations of PF processes, like how contributions are calculated or the steps involved in withdrawing PF, can make it easier for employees to grasp key concepts. Infographics can be shared in emails or posted in common areas in the workplace.

Frequently Asked Questions (FAQs): Compile a list of common questions and answers regarding PF. This can be distributed through email or made available on the company’s intranet for easy access.

The goal is to break down PF-related topics into manageable pieces of information that employees can easily refer to when needed.

Leverage Technology for PF Education In today’s digital age, technology plays a key role in employee education. By leveraging online tools, companies can provide employees with resources to learn more about PF in their own time.

Company Intranet: Create a dedicated section on the company’s intranet that provides resources on PF. Include tutorials, videos, links to EPFO websites, and step-by-step instructions for common tasks, such as checking PF balances or updating nominee details.

Mobile Apps: Encourage employees to download and use mobile applications like the UMANG app (Unified Mobile Application for New-age Governance), which allows users to access their PF account, check balances, and track claims easily. Offering tutorials or guides on how to use these apps can boost employee engagement with PF.

E-Learning Modules: Develop e-learning modules on PF that employees can complete at their own pace. These modules can cover everything from PF basics to advanced financial planning tips involving PF. Adding quizzes at the end of each module can help ensure employees understand the material.

By utilizing technology, companies can reach a broader audience and offer flexible learning opportunities that employees can access anytime.

Incorporate PF Education in Employee Onboarding Educating employees about their PF benefits should begin as soon as they join the company. Incorporating PF education into the onboarding process helps new hires understand their entitlements from day one.

PF Orientation Sessions: Include a dedicated PF section in the onboarding process. Explain how PF contributions work, what portion of the salary goes into the PF, and how they can access their PF account. It’s also helpful to cover topics like how to transfer PF when changing jobs and nominee-related details.

Onboarding Checklist: Create a checklist of PF-related tasks for new employees, such as setting up their EPFO account, understanding their contribution structure, and designating a nominee. Ensure they know how to use the EPFO portal to track their contributions and balance.

When PF education is part of onboarding, it becomes a natural part of the employee’s benefits understanding from the start.

Offer One-on-One Financial Counseling While group sessions and workshops are effective, some employees may prefer personalized guidance on managing their PF contributions and understanding how it fits into their overall financial plan. Offering one-on-one financial counseling can address individual concerns.

In-House Financial Advisors: Consider having a dedicated financial advisor or HR representative available to discuss PF queries with employees. These sessions can cover topics such as balancing PF with other investments, planning for retirement, or making decisions about early withdrawals.

Confidential Sessions: Ensure these counseling sessions are confidential so employees feel comfortable discussing their personal finances. By offering personalized advice, employees can make informed decisions that align with their individual financial goals.

Personalized guidance helps employees integrate their PF contributions into their broader financial strategy, ensuring that they’re making the most of their retirement savings.

Encourage Regular PF Account Monitoring Many employees contribute to their PF without actively monitoring their account or understanding its current status. Educating employees on how to regularly track their PF balance can foster a deeper sense of ownership and engagement with their retirement savings.

Access to EPFO Portal: Show employees how to use the EPFO portal to check their PF balance, track contributions, and ensure that both employer and employee contributions are being made on time.

Monthly or Quarterly Reminders: Send out reminders encouraging employees to check their PF balance regularly. You could also share tips on how to review their contributions and correct any discrepancies.

Regular monitoring can also help employees stay on top of potential issues, such as delayed contributions, and take corrective action early.

Highlight the Long-term Benefits of PF Many employees, especially younger ones, may not fully appreciate the long-term benefits of PF. Educating employees on how PF contributes to long-term financial security and retirement planning can make them more aware of the importance of this benefit.

Retirement Planning Education: Explain how PF fits into a larger retirement savings plan. Compare the benefits of PF contributions with other savings options, such as the National Pension Scheme (NPS) or Public Provident Fund (PPF). Help employees understand how compound interest works in PF and how their savings grow over time.

Tax Benefits: Emphasize the tax benefits associated with PF contributions, particularly the deductions available under Section 80C of the Income Tax Act. Highlight how maximizing PF contributions can reduce their taxable income while securing their retirement.

By understanding the long-term benefits of PF, employees are more likely to take their contributions seriously and plan for the future.

Conclusion Educating employees about the Provident Fund is a vital part of promoting financial well-being in the workplace. Through workshops, personalized counseling, digital tools, and clear educational materials, employers can ensure that their workforce fully understands the benefits of PF and how to leverage it for long-term financial security. Providing this education empowers employees to make informed decisions, monitor their PF regularly, and integrate their PF contributions into a larger financial plan for a secure and comfortable retirement.

[parentnashik]

How to check PF balance: You can check PF balance in these 4 ways sitting at Home, know details

How to check PF balance: You can check PF balance in these 4 ways sitting at Home, know details

[khushikharbanda]

Everything You Need to Know About Online PF Withdrawal in 2024

Activating your EPF UAN (Universal Account Number) offers numerous benefits for managing your EPF account. It consolidates multiple EPF accounts under one identifier, streamlining account management. This activation allows you to easily check your account balance, track contributions, and view your EPF passbook online. For additional financial management tools, download Bajaj Finserv app to manage your finances conveniently.

Read More:

https://techplanet.today/post/how-to-activate-your-epf-uan-step-by-step-instructions

[krishnaregisterkaro322]

PF Return: Maximizing Your Provident Fund Benefits

PF Return returns are a crucial part of financial planning, offering long-term security and substantial benefits for retirement. Understanding how to maximize these returns is essential for ensuring financial stability. This guide provides detailed insights into PF returns, from checking your balance to optimizing your contributions effectively.

Understanding Provident Fund (PF)

What is a Provident Fund?

A Provident Fund is a savings scheme designed to provide financial security for employees after retirement. Both the employer and the employee contribute a percentage of the employee's salary to the fund, which accumulates over time and earns interest.

Types of Provident Funds

Employee Provident Fund (EPF)

The EPF is a mandatory savings scheme for employees in India. Contributions are made by both the employer and the employee, and the fund is managed by the Employees' Provident Fund Organisation (EPFO).

Public Provident Fund (PPF)

The PPF is a long-term investment option offered by the Indian government. It offers tax benefits and competitive interest rates, making it an attractive choice for individuals looking to build a retirement corpus.

Voluntary Provident Fund (VPF)

The VPF is an extension of the EPF, allowing employees to contribute more than the mandated percentage of their salary. It offers the same tax benefits and interest rates as the EPF.

[professionalutilities1]

How do you check your PF balance online on the EPFO portal?

To check your PF balance online on the EPFO Portal, follow these simple steps:

Step 1: Visit the EPFO Portal and go to Employees Services. Log in to the official EPFO Portal at https://epfindia.gov.in/site_en/For_Employees.php. Click on 'Our Services' at the top left, then select 'For Employees'.

Step 2: Access the Member Pass Book. Under services, find the Member Pass Book option. You'll need to log in using your UAN and password. Make sure your UAN is activated, or you won't be able to view your passbook.

Step 3: View your EPF Balance. Once logged in with your UAN and password, you'll see your EPF balance listed under your member ID. It's that simple!

[companiesnext62]

"Master the art of tracking your financial growth with our concise step-by-step guide on checking your PF account balance. Empower yourself with easy-to-follow instructions and stay in control of your financial journey.

[mylavenu99]

How Do You Get a UAN Number?

Each employee who contributes to the Employees Provident Fund receives a 12-digit unique number called a UAN. The Employee Provident Fund Organisation (EPFO) is responsible for creating and allocating this special number. According to instructions from the Indian government, the Ministry of Labour and Employment authenticates UAN.

Regardless of how many times an individual has changed jobs, this number stays the same for them throughout their career.

In order to use this UAN more effectively, people must not only understand what a UAN number is but also various associated topics.

The value of UAN

The term "Universal Account Number" is its entire form.

UAN is significant for a number of reasons. These include

Until an employee retires, the distinctive UAN remains the same.

To examine the credits and debits in the PF account, UAN is necessary.

Individuals can withdraw and transfer money using UAN without depending on their employer.

Employees can access their PF accounts freely thanks to online processing.

Employees can monitor monthly deposits with UAN. The specific employee must, however, be listed on the EPFO.

It is evident what a Universal Account Number is and why it is required from the section indicated above. Let's now concentrate on the many benefits that its uses offer.

Benefits of UAN

Some of the benefits of UAN numbers are covered below. Follow along!

Effortless Transfer of Funds

Previously, transferring money manually from old PF accounts to new ones took a lot of effort and was prone to mistakes. Even the use of a digital method did not considerably simplify this process.

However, following the deployment of UAN, employers can transfer funds effectively by providing the new employer with their UAN and KYC information. PF transactions from the old account to the new one can be carried out without issue when the employer has verified all of the data.

Few Employers Participate in PF Withdrawals

Prior to the introduction of UAN, PF withdrawal was dependent on employers because the application had to be signed by the prior employer before being sent to EPFO.

However, this dependence has decreased in the case of UAN. Once the KYC verification is complete, the PF amount is automatically transferred from the old account to the new.

Transactions Are Streamlined With Mobile Notification The UAN number offers quicker transactions and more security, which is one of its advantages. SMS notifications are available for withdrawals and the monthly employer contribution, as they are for all other PF account activities. Additionally, users can access UAN to check their account balances. They must download the PF passbook for this purpose from the EPF website.

Advantage for the Employee Pension Plan

Employees had to withdraw from the Employee Pension Scheme prior to the implementation of UAN, which had an impact on the retirement payout.

But with UAN, the balances of both the Employers Provident Fund and the Employee Pension Scheme accounts are immediately moved to the new account, increasing the amount at retirement.

We have already talked about what a UAN number is and its advantages. Let's now look at how to produce it.

How to Create a UAN?

People must be aware of the procedure for creating a Universal Account Number now that they are aware of what it is, how important it is, and what advantages it offers. To generate a UAN number, adhere to the instructions listed below.

Step 1: Enter your Establishment ID and password to access the EPF Employer Portal.

Step 2: Select "Register Individual" under the "Member" option.

Step 3: Provide employee information, including Aadhaar, PAN, and bank information.

Step 4: Review all the information and then click the "Approval" button.

Step 5: EPFO will produce a new UAN.

New employers can quickly link their employees' Provident Fund accounts to their new UAN once it has been generated.

Documents Needed to Create a UAN

The complete list of documents needed to generate UAN is shown below.

Identity documentation includes a driver's licence, passport, voter ID, etc.

Address documentation may include a recent utility bill, rental or lease agreement, ration card, etc.

Account number and IFSC code for a bank account

Card PAN

ID card, Aadhaar

Card ESIC

How do I verify my UAN number?

People have a variety of ways to check the details of their UAN number. which are

UAN Check via the Portal

Visit the EPFO's Unified Member Portal as the first step.

Step 2: Next, select the 'Know Your UAN Status' link under the area of key links. People would then see a new homepage where they must enter crucial information such their name, birthdate, cell phone number, and email address as well as their current member ID or EPF account number.  

Step 3: After providing information, people will receive an authorization PIN on the registered mobile number.

Step 4: People must now enter the PIN.

Step 5: UAN will be sent to the registered email address and mobile number after this is entered.

UAN Number Check by Mobile Number

Members and persons who have registered on the UAN portal can use the missed call feature to receive all the details. The procedure is simple to follow. Follow along!

Step 1: From your registered mobile number, send a missed message to 011-22901406.

Step 2: After two rings, this call will be immediately disconnected.

Step 3: As soon as the missed call is successfully placed, you will receive an SMS with all of the PF information.

It is important to keep in mind that this service is available to employees whose UAN has been connected with KYC information.

Aadhaar Card Check UAN Number

Aadhaar cards may be used to check UAN as well. Read on to learn how it works.

Step 1: Access the Unified Member Portal for EPFO

Step 2: From the vital link box, choose "Know Your UAN Status."

Step 3: Choose Aadhaar and enter the phone number, name, birthdate, cellphone number, and email address.

4. Enter the Captcha code.

Choose "Get Authorization PIN" in step 5.

Sixth step: A new page will be accessed by users. Check the information provided, then select "I agree."

Step 7: Enter the OTP that was delivered to the contact number you registered.

Step 8: After choosing "Validate OTP," get the UAN.

You will receive a fresh message letting you know the UAN information has been delivered to your registered phone number.

How is the EPFO UAN Activated?

Individuals need to complete the instructions listed below in order to activate UAN EPFO.

Visit the EPF Member Portal in step one.

In step 2, select Activate UAN.

The third step requires people to choose one of the three options—UAN, Aadhaar, or PAN, member ID.

Step 4: Enter the necessary information, including your name, birthday, email address, and mobile number.

The fifth step is to click "Get Authorization PIN."

Put the PIN in and choose "Validate OTP and Activate UAN" in step 6.

Step 7: The registered mobile number will receive a message activating the UAN. As a result, activating EPFO UAN is simple.

Those who are aware of what a UAN number is, its advantages, significance, generation process, and activation procedure can now access all of their PF accounts quickly and effortlessly.

[bharatlivenewsmedia]

PF Balance Check: अशा प्रकारे पीएफ बॅलन्स तपासा.. फक्त एक मिस्ड कॉल द्या..!

https://bharatlive.news/?p=93646 PF Balance Check: अशा प्रकारे पीएफ बॅलन्स तपासा.. फक्त एक मिस्ड कॉल द्या..!

How To Check PF Balance: ...

[viralbake]

Remember those days when EPFO members had to wait for the employer to share the PF account statement to check their contributions, interest, and closing balance? Yes or no doesn’t matter, those days are long gone now with the digital services that The Employees’ Provident Fund Organisation (EPFO) offers. Now getting PF details is as … The post How To Check Your PF Balance With Five Different Methods? appeared first on Viral Bake.

[slnconsultancy]

Creating Engaging PF Content for Social Media

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Creating engaging content about Provident Fund (PF) for social media involves making complex financial information accessible, interesting, and relevant to your audience. Here’s a guide on how to craft engaging PF content for various social media platforms:

Know Your Audience Audience Segmentation: Identify the demographics of your audience, such as age, job roles, and financial literacy levels. Tailor content to address their specific needs and concerns about PF. Common Questions: Focus on the most common questions and concerns employees have about PF. This ensures the content is relevant and useful.

Simplify Complex Information Use Plain Language: Avoid jargon and complex terms. Break down PF concepts into simple, understandable language. Step-by-Step Guides: Create posts that provide step-by-step instructions on common PF tasks, like how to check your PF balance online or how to nominate a beneficiary.

Incorporate Visual Content Infographics: Design infographics that visually represent key PF information, such as how contributions grow over time, withdrawal rules, or tax benefits. Use colors and icons to make the information more engaging. Carousel Posts: On platforms like Instagram and LinkedIn, use carousel posts to break down detailed PF information into a series of slides. This allows for more in-depth content without overwhelming the audience.

Create Short, Engaging Videos Explainer Videos: Produce short videos (1-2 minutes) that explain specific aspects of PF, such as the benefits of regular contributions or how interest is calculated. Videos are highly engaging and easy to share. Animated Videos: Use animations to explain PF concepts in a fun and visually appealing way. Animation can simplify complex topics and maintain the audience’s attention. Employee Testimonials: Share video testimonials of employees talking about how PF has benefited them. Personal stories resonate more and can make the content relatable.

Interactive Content Quizzes and Polls: Create quizzes or polls that challenge followers’ knowledge about PF. For example, “Do you know how much your employer contributes to your PF?” These can increase engagement and also educate your audience. Q&A Sessions: Host live Q&A sessions on Facebook, Instagram, or LinkedIn where experts answer real-time questions about PF. This direct interaction can address specific concerns and clarify doubts.

Use Relatable Scenarios Case Studies: Share case studies of different scenarios, such as how PF helped someone in an emergency or how regular contributions over time resulted in significant savings. Storytelling: Use storytelling to explain the importance of PF in financial planning. For example, narrate a story about a person who successfully planned their retirement using their PF savings.

Utilize Platform-Specific Features Instagram Stories: Use Instagram Stories for quick tips or FAQs about PF. Use features like polls, quizzes, or swipe-up links to drive engagement. LinkedIn Articles: Write in-depth articles on LinkedIn discussing the long-term benefits of PF or changes in PF regulations. These articles can be shared widely within professional networks. Facebook Groups: Engage with employees in dedicated Facebook groups by posting regular updates, answering questions, and sharing relevant articles or videos.

Run Thematic Campaigns Weekly Series: Create a weekly content series, such as “PF Myth-Buster Monday” or “PF Tip Tuesday,” where you post regularly about different aspects of PF. Consistency helps build anticipation and engagement. Hashtag Campaigns: Develop a unique hashtag like #PFForTheFuture and use it consistently across all PF-related posts. Encourage employees and followers to use the hashtag when they share their PF experiences.

Educational Resources E-books and Guides: Offer downloadable e-books or guides that provide comprehensive information about PF. Promote these resources on social media with eye-catching posts. Webinars: Organize webinars focused on PF, and promote these through social media. Use teaser posts, countdowns, and highlight reels to generate interest.

Monitor and Adapt Content Analytics Tracking: Regularly monitor the performance of your posts using social media analytics tools. Track metrics like engagement rates, shares, comments, and click-throughs to understand what content resonates best. Feedback Loops: Encourage followers to give feedback on the content. This can be done through comments, surveys, or direct messages. Use this feedback to adjust your content strategy and make it more relevant.

Promote Key Dates and Updates Timely Reminders: Use social media to remind employees of key PF-related dates, such as contribution deadlines, new regulations, or when annual statements are issued. Regulatory Changes: Quickly inform your audience about any changes in PF regulations through posts, videos, or infographics. Timely updates keep your audience informed and engaged.

Encourage Sharing Social Proof: Share user-generated content, such as posts from employees or followers talking about their PF experiences. Social proof can encourage others to engage with the content.

Contests and Challenges: Organize contests or challenges that encourage sharing PF-related content. For example, ask followers to share their best PF tip using a specific hashtag.

By focusing on these strategies, you can create engaging and informative PF content that not only educates your audience but also encourages active participation and sharing across social media platforms.