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Hud Shared Well Agreement - FAQ

How do I start a partnership firm?
Partnership is one of the oldest business structures in India. Partnership isrelation of two or more persons who have agreed to share the profits andlosses according to their ratio of business run by all or any one of themacting for all. In simple terms partnership is a contractual relation of twoor more persons carrying business to share profit or loss in an agreed ratio. In India a partnership is governed by Indian Partnership Act 1932 and apartnership firm does not have an independent status apart from the partnersconstituting it. Partnership does no have a legal entity status than of itspartners. It has limited identity for the purpose of tax laws. Any two peoplecan start partnership business under an agreement called partnership deed. Itis not mandatory to register a partnership deed but it is advisable toregister partnership deed but for evidential purpose. Benefits of Partnership 路 Easy to form Since a partnership is a relation of two or more people the formation is verysimple. It can be created by an agreement among the partners describing termsand conditions. 路 Registration As per the law registration is not mandatory to start a partnership. Howeverregistration is advisable for evidence if any dispute arises in future. 路 Flexibility Easy to manage as no compliance requirements compared to company or LLP formof business. 路 Sharing of responsibilities Partners can share the responsibility of partnership and the business. Theycan also share decision making. 路 Tax Compared to company tax on profit is less in a partnership. Also no profitdistribution tax is applicable to a partnership firm. 路 Winding up Easy to windup a partnership firm than a company or LLP as partnership iscreated by an agreement. Partnership Firms in India A Partnership is the relation between persons who have agreed to share profitsof the business carried on by all or any of them acting for all. Partnershipsare a very good form of business entity for small enterprises wherein morethan one person decides to contribute in a partnership and share the profits.In India Partnerships are widely prevalent because of its ease of formationand minimal regulatory compliance. In this article we look the types ofpartnership advantages and process of registering a partnership firm. Partnership Firm There are two types of Partnership registered Partnership and unregisteredPartnership. In terms of the Indian Partnership Act 1932 Act the onlycriterion to commence business as a partnership is the finalisation andexecution of a Partnership Deed between the Partners. The Act does not requirethe Partnership DeedPartnership Firm to be registered and in other words doesnot require the Partnership Firm to be a registered Firm. Therefore variouspartnership businesses exist as an unregistered Firm without impacting thebusiness of the Firm. There are no penalties for nonregistration of a partnership firm and apartnership firm can even be subsequently registered after formation. Howeverunregistered partnership firms have certain rights denied in Section 69 of thePartnership Act which deals with the effects of nonregistration of apartnership firm. Some of the disadvantages of an unregistered firm are i Apartner of an unregistered firm cannot file a suit in any court against thefirm or other partners for the enforcement of any right arising from acontract or right conferred by the Partnership Act ii no suit to enforce aright arising from a contract shall be instituted in any Court by or on behalfof a firm against any third party unless the firm is registered iii anunregistered firm or any of its partners cannot claim a set off or otherproceedings in a dispute with a third party. Therefore it is advisable forany partnership to be registered sooner or later. Partnership Firm Registration A Partnership firm can be registered under Section 58 of the IndianPartnership Act at any time even subsequent to formation. The registration ofa partnership firm is done by filing an application with the Registrar of Firmof the area in which any place of business of the Partnership Firm is situatedor proposed to be situated. When the Registrar of Firms is satisfied that theprovisions of Section 58 are duly complied with a record of entry of thestatement is made in the Register of Firms and Certificate of Registration isissued. The application for registration of Partnership Firm must contain theprescribed registration form for incorporation of a company certified truecopy of the Partnership deed entered into and ownership proof of the principalplace of business. Advantages of a Partnership Firm One of the main advantages of a Partnership Firm is that there are veryminimal requirements in terms of compliance. For instance a Company requiresannual filing of its financial statements with the Registrar of Companies andthe part of the financial statements of the Company are made public documents.On the other hand registeredunregistered Partnership Firms are not requiredto file any annual returns the Firms financial statements with anyRegulatory body. Therefore the financial statements of a Partnership Firm arenot available in the public domain. Also the accounts of a registered unregistered Partnership firm are not required to be audited. Whereas theaccounts of a Limited Liability Partnership are required to be audited whenthe turnover exceeds Rs.40 lakhs per annum or when capital contributionexceeds Rs. 25 lakhs. Disadvantages of a Partnership Firm Partnership firm do not provide its Partners with limited liability and do nothave a perpetual existence. Also the interest of a Partner in a Partnershipfirm is not easily transferable and the ownership structure is not conducivefor Private Equity Investors. In addition to being tougher almost impossibleto obtain private equity investment in a partnership firm it is also harderfor Partnership Firms to obtain loans from Banks Financial Institutions.Banks Financial Institutions prefer to lend to Companies than PartnershipFirms as Companies are separate entities and the regulatory requirement forfinancial reporting of Companies makes Companies more transparent andstructured. Partnership Firm Taxation Partnership firms may be assessed either as a partnership firm or as anassociation of personsAOP. Interest paid to partners salary bonuscommission or remuneration to a partner will be allowed as a deduction if itis paid to a working partner who is an individual when the partnership isassessed as a Partnership Firm. However when the Partnership Firm is assessedas an AOP the above deductions cannot be claimed. Therefore for apartnership firm it is more advantageous to be assessed as a partnership firmthan as an AOP. For a Firm to be assessed as a Partnership Firm thePartnership Firm should be evidenced by a written partnership deed individualshares of the partners should be very clearly specified in the deed and acertified copy of partnership deed must accompany the return of income of thefirm of the previous year in which the partnership was formed.
How do I get a personal loan online in India?
Personal loans are taken by individuals to meet their existing or futurefinancial needs from funding the wedding to making home renovations theycan be used for any personal expense. Unlike home and car loans there is noset restriction on their usage.They come handy for millions of people to pay for unexpected emergencies toconsolidation of debt. The process to availing a personal loan is consideredquite convenient given that you meet the eligibility criteria. Personal loansare advisable if you鈥檙e in dire need of cash don鈥檛 possess any assets buthold a credit card.Here is the general eligibility criteria 1. You must be between 2560 years of age. 2. The minimum salary for a personal loan should be 450000 although this number may vary from banks to banks. 3. Your CIBIL score must be above 750 as this ensures that you have a good financial history 4. Salaried employees must have at least one year of experience in the same professionBasic documents you need to have 1. Identity proof Passport Voter ID Driving license PAN card 2. Address proof Passport Ration card Electricity bill Telephone bill 3. Age proof PassportPAN card 4. Proof of business 5. Bank statements from past 6 monthsDue to flexible EMIs loan tenures and absence of security personal loansare becoming the ideal option for the vast population. They also carry lessrisks as the assets are safe with the borrowers unlike in the case of homeand car loans. To avail instant online personal loans I would suggest ClixCapital for their wide range of offers and flexibility according to the needsof the individual.
What are smart contracts?
Well to understand this we need to see who brought this concept of smartcontracts to the table.The name 鈥渟mart contracts鈥 was coined by a cryptologist computer scientistNick Szabo in the 90s.Nick Szabo in 1994 said this A smart contract is a computerized transaction protocol that executes theterms of a contract. The general objectives are to satisfy common contractualconditions.Ahh So technicalTo make it easier to understand let鈥檚 fast forward to the 21st century.Consider a real life example where you are taking out a bag of potato chipsmapped against the trigger number 鈥淏6鈥 of a vending machine.You put a 10 note in a vending machine. This action triggers the next optionfor you to select a number like B6 on the vending machine.And what happens when you select B6A lever in the vending machine moves and pushes out the bag of chips.A smart contract selfexecutes the 鈥渋fthisthenthat鈥 conditions coded ontoit in the same way that triggers are implemented in a vending machine.But why is everyone buzzing about the outdated technology in vending machinesThe buzz is about the smarter contracts that are based on Ethereum technology.The Ethereum blockchain mechanism coupled with smart contract technologyremoves intermediaries and escrow services.Let鈥檚 dwell deeper into the concept of smart contracts so that even a nontechie can understand.But before that you need to be familiar with Ethereum 101鈥thereum in a nutshell Ethereum 鈥 A blockchain which records all executed codes as transactions. Ether 鈥 The cryptocurrency which fuels the Ethereum blockchain.To be even more familiar with Ethereum 101 see our guide on 鈥淓thereumCryptocurrency Everything A Beginner Needs To Know鈥.What is a Smart ContractImage via blockchaintechnologiesA smart contract is a piece of software that contains rules and regulationsfor negotiating the terms of a contract. It automatically verifies thecontract and then executes the agreed upon terms.And when this smart contract鈥檚 centralized code is made decentralized forexecution purposes on the Ethereum blockchain it becomes a smarter contract.Coding and executing smart contracts on the Ethereum blockchain makes themimmutable and independent from centralization.Smart Contract鈥檚 Characteristics on EthereumA smart contract has the following characteristics Selfexecuting Immutable Selfverifying Autoenforcing Cost saving Removes third parties or escrow agentsHow Do Smart Contracts Work on EthereumDevelopers write the code of smart contract using the native language ofEthereum called Solidity.These contract codes can be of many forms such as the transaction of moneywhen certain conditions are met or the exchange of goods between parties.Once the code is written it is uploaded on the EVM Ethereum Virtual Machinewhich you can say is a universal runtime compiler or browser to execute thesmart contract鈥檚 code.Now once the code is on the EVM it will be same across each Ethereum node.And each node will try to run and see whether the conditions are met or not.A contract of Ethereum will involve two or more parties which will be fueledby the digital asset Ether. Once the contract is executed successfully thedigital asset will be distributed or redistributed according to the logicsdefined in the code.Image via lightrainsTo make it easier to understand consider this exampleAssume that Harry has given a contract of 1000 to Mary for web development.Harry has hard coded the requirements and conditions about the kind of websitehe needs onto the Ethereum blockchain.Now this blockchain will act as the evaluator whenever Mary submits thewebsite to Harry for approval after the project鈥檚 completion. Harry hasalready precoded his requirements such as load time server host designspecifics etc..Now Mary submits the work on the blockchain for evaluation. If the conditionsset by Harry are successfully evaluated and the website is done as per hiscoded requirements then the contract worth 1000 will be instantly selfexecuted and payment in equivalent Ether ETH will be released to Mary.But let鈥檚 suppose Mary didn鈥檛 get her payment or Harry didn鈥檛 get his work.Then this conflict of interest is resolved by the blockchain鈥檚 smart contractwhich enforces trust by default.Why Trust an Ethereum Smart ContractAs every transaction history and history of every executed code is stored onthe blockchain you can trust and verify everything when needed.Even in the case of Harry鈥檚 smart contract Harry can鈥檛 cheat Mary. Becauseonce Mary has done her work it will be verified by the blockchain andrecorded onto it.Anyone including Harry can inspect the blockchain hence resolving theconflict or protecting against cheating.Moreover Harry can鈥檛 stop or manipulate this contract as the execution ofthis contract is no longer dependent on one single party or node. As Harry鈥檚contract is running on an EVM of the Ethereum blockchain it is resistant todamage caused by a single point of failure.On the other hand if these conditions are not met then Mary will need tocontinue the work until the appropriate website is created.That鈥檚 why you can trust an Ethereum smart contract.Use Cases of Smart ContractsImage via dragletSmart contracts are becoming an integral part of the blockchain economy.Some current applications of smart contracts Real Estate 鈥 A Midasium Contract is a small computer program. It is a digital representation of the mutual agreements as in a traditional real estate contract. This software code selfexecutes and selfenforces and it is based on smart contracts. Supply Chain Mangement Skuchain 鈥 A material鈥檚 supply and procurement are typically tracked with paper trails which are mutable. Hence implementing the supply chain management on blockchain removes the possibility of theft or fraud. Intellectual Property Rights 鈥 Musicians writers and artists can put their creativity on the blockchain and can control ownership of their work. Smart contracts like this enable the creator to collect royalties and payments directly without any third parties involved.What is the Future of Smart ContractsBitcoin is merely the first application on the blockchain backed by theinternet.But Ethereum and smart contracts are the next gen applications on theblockchain.And I think Ethereum smart contracts also answer the question of 鈥渨hy do youneed Ethereum when you have Bitcoin鈥滼ust like the invention of the internet has transformed human life theEthereum blockchain and smart contracts have the power to change human life inincredible ways.Why incredibleBecause the marathon has just started Ethereum is only 3 years old and manyscholars are pursuing a lot of research on it.The floodgates of unparalleled innovation have been opened with theestablishment of The Enterprise Ethereum Alliance.The Enterprise Ethereum Alliance connects Fortune 500 enterprises likeAccenture Microsoft Intel JP Morgan Wipro etc. startups and academicswith Ethereum subject matter experts.With this meeting of minds it鈥檚 highly likely that Ethereum will be the nextbig cryptocurrency.Hope this answer helps many 鈥︹︹︹︹︹︹︹︹︹︹︹︹︹︹︹︹︹︹︹︹︹︹︹︹︹︹︹︹︹︹︹︹︹︹︹︹︹︹︹︹︹︹︹.I write on CoinSutra where I talk about Bitcoin Altcoins and Blockchain in alucid manner and strive to introduce their benefits to layman masses.Connect with me on LinkedInQuora or say Hiee to me atsudhirjkhatwanigmail.com
What are some skills that every 18-year-old needs to survive in life?
Oh my gosh I love this question. Im going to spend a lot of time on thisanswer Financial Skills How to open a checking and savings account How to balance a checkbook emphasizing the use of debit cards and how banks process transactions Credit What is it how do you build it how do you repair it Credit Cards How interest works how to take advantage of rewards and balance transfers Loans What are the different kinds of loans how do you get them and whats involved Investments What is the stock market and how does it work what are Treasury Bonds and whats an IRA. How do those things factor into a wise investment strategy for your retirement Taxes How taxes work what deductions are how to file a 1040EZ form Tipping How to quickly calculate a tip and split a tab at a restaurant How to read a contract and interpret fine print Health Skills Medical Insurance how it works what it costs how to get it How to fill out common medical and dental forms How to find a general practitioner dentist and so on Basic First Aid CPR the Heimlich how to treat minor injuries Home Skills How to cook You dont need to be on Master Chef but learning how to cook a few basic dishes how to use a knife properly use basic kitchen appliances and so on. How to clean I have no idea how so many kids dont know how to vacuum sweep dust do dishes make a bed and clean and fold laundry. How to grocery shop picking fresh fruit and vegetables planning your shopping and meals etc. How to use hand tools hammers axes handsaws et cetera How to move opening or transferring utility accounts moving companies apartment and home leases. How to sew a button on How to fix a running or clogged toilet. Life Skills How to plan and budget your time How to think critically. Negotiation Preparation discussion clarification negotiate agreement and implementation. Leadership Vision strategy people skills management CONFLICT RESOLUTION Stress management Problem solving Study Skills Organization Time management Finding legitimate sources Notetaking Critical reading Essay planning and composition Academic referencing How to use search engines effectively Employability Skills How to write a resume and a cover letter How to interview Professional communications skills both written and verbal Interpersonal skills in a professional environment Professional development Public speaking How to use a computer Windows Google and MS Office basics at a minimum Personal How to interact with the police How to tie a tie How to iron clothes How to establish a healthy exercise routine How to maintain proper personal hygeine and grooming MANNERS It varies from culture to culture but the underlying principles of all manners remain constant a respect for others and a desire to treat all people with honesty and consideration 鈥 just as you鈥檇 like to be treated. Alcohol Knowing your limits How to mix a basic set of drinks Travel How to book airline tickets and hotels How to pack well How to travel light Automotive How to drive Actual skilled instruction on driving a la Teen Safety Survival Skip Barber Racing School both automatic and manual transmissions The basics of how a car works The basics of car maintenance How to change a tire How to parallel park How to jump start a car What to do if you get into an accident Read a road map Sex Comprehensive sexual education including the vectors and effects of sexually transmitted infections what are and how to use the various forms of contraception what is PrEP etc. The Campsite Rule Leave them in better condition than you found them Safe Sane and Consensual How to have safe sex do it while youre sober and with full informed consent from your partner.
Which Linux distribution is the best for a programmer?
Which Linux OS is best for developersI would say Semicode.It is a Ubuntubased Linux Distribution specially designed for Programmers andWeb Developers. Semicode includes most of popular programming languagesCompilers top Editors and best Integrated Development Environments. All youneed to do is to open your favorite code editor don鈥檛 worry it will bealready preinstalled and start coding immediately.If you don鈥檛 know how to code yet but you still interested SemiCode OS canhelp you to learn using Scratch the Educational IDE and Sarah. Sarah is anassistant application that comes preinstalled with Semicode os. It helps youto do almost everything in SemiCode OS. Simply type 鈥榮arah help鈥 to bring upthe help section and start learning programming. Not just programming stuffsSarah will help you to get any details.Here is the four reasons why anyone who wants to code should try Semicode Compilers editors IDEs of popular programming languages are preinstalled. You don鈥檛 need to installa anything. Start coding in no time. Semicode uses DuckDuckGo as the default search engine. No need to worry about search engine tracking. It is perfect for a team and collaborative work. It comes with Slack Git tools preinstalled. It is free and open source.Give it a try. You won鈥檛 be disappointed.Semicode OS Programmers Operationg SystemCheers
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