what are the various demat account opening charges levied by jm financial?
jm financial demat account provides multiple facilities at an affordable charge, and it is registered with the depository participant cdsl. rs. 799 is charged as jm financial account opening fees. the company levies an amc of rs. 299 on the demat account and the maintenance cost for the trading account is zero. clients need to maintain a margin amount of at least rs — 15,000 with jm financial to operate a demat account. the broker house provides the facility of dematerialization to the traders.
i do not think that the advertising anywhere says that it is free.. there is a $20/yr fee for the service.. the first year is included with the purchace of the device..   

  

calls to the US/CAN are included international calls need to be prepaid for... there is no hack to allow you to make free calls internationally, and even if there was, this would be theft of service and illegal..   

  

<http://voipbuster.com> will allow you to make free calls to puerto rico, spain and many other destinations... calls to   

chile are 1c/min   

brazil 3c/min   

united kingdom 1c/min   

[http://www.voipbuster.com/en/calling-rat...](http://www.voipbuster.com/en/calling-rates.html#letc)   

  

MJ international rates for   

spain are 2.2c/min   

united kingdom 2.2c/min   

chilie 4.4c/min   

brazil 5.4c/min   

<http://www.ymaxcorp.com/clec_rates.html> (ymax is MJ parent company)   

there are no rates for PR so calls to PR should be included... the discover it chrome's intro offer for balance transfers is 0% apr for 14 months.
for any balance transfer posted to your account until april 10, 2021 you get a promotional apr of 0% for 14 months from first date of transfer.
after the intro apr period expires, your regular transfer apr could be 11.99% - 22.99% variable.
keep in mind, though, that this card has a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* balance transfer fee! for prepaid accounts, you must call at&t to get your account number. hi @sam\_cat - there was another topic on this query. i can't find it, so i've tweaked yours to make it more searchable moving forwards. 

this is to do with the direct debit figure. we look at your prices for the two year plan, and the annual consumption of the property, getting an annual spend and a monthly cost (if you divide that figure by 12). the tariff that you're on now just displays your current direct debit, which will of course take into account your current credit balance. 

tim hello,
  

if i am not wrong jbims already closed their application forms. so you can't apply now. they keep their application form filling upto month of january only. students mostly apply with cat score and those who want to apply it with cmat score have to fill the form in the given duration only and after cmat result they can update their score.
  

  

hope it helps you. good luck answer: (3) recognition of costs associated with the acquisition of the fixed assets on the income statement. none of the costs associated with the acquisition of the fixed assets (mowing equipment and truck) have been recognized as expenses on the income statement.the fixed assets of the business provide benefits to the company and its users over its economic lite. depreciation allocates the cost of long-term fixed assets to expense over its useful/ economic lite. the benefit provided by the company during the period should be recognized as an expense in that period.the recognition of depreciation expense on the income statement will result in reducing the net income. please find the attached solution in doc file. Permanent Account Number or PAN, as it is popularly called, is a very important document required for carrying out financial transactions.  Whether it is opening a bank account, depositing cash beyond a certain limit, [applying for a credit card](https://www.creditmantri.com/credit-card/) or doing any real estate transactions; all of these and many more situations mandatorily require you to quote your PAN. 


PAN is a unique alphanumeric number issued by the Income Tax Department. PAN not only serves the purpose of being your identity in the financial world but also helps the IT department in keeping track and tabs on financial transactions carried out across the economy.  PAN is a requirement for individuals and companies for carrying out financial transactions. However, the same is not required for Central and State Government Offices and Consular Offices.  


The rules and procedures regarding PAN are constantly being updated to reflect the needs and requirements of the current day. In a similar fashion, some changes have been brought about in the rules and regulations for using a PAN since 05 Dec 2018. 


**Additional Reading:** [How to apply for a PAN card](https://www.creditmantri.com/article-how-to-apply-for-a-pan-card/)


As PAN is an important financial document, it is required that all individuals are well aware of the latest change in rules and regulations that are brought about by the Central Board of Direct Taxes from time to time. 


**Father's name is no more a mandatory requirement for PAN Applications**


The need for quoting father's name in PAN application is no more a mandatory requirement. The Central Board of Direct Taxes has done away with this requirement. So, if you are applying for a PAN after 05 Dec 2018, you have an option to not give your father's name in the application. 


This feature is made to accommodate those who have a mother as a single parent. The new application does away with the need to give your father's name if your mother has been a single parent. There is an option for the applicants wherein they can choose if their mother is a single parent and wish to furnish just the mother's name. 


**Non-individual entities should apply for a PAN Card by 31 May 2019**



The Union Budget of 2018 has made it mandatory for non-individual entities who conduct transactions for more than Rs 2.5 Lakhs in a financial year to have a PAN Card. This was done by amending the Section 139(A) of Income Tax Act.  


The need for PAN was brought into force with effect from 01 April 2018, but the date by which PAN needed to be applied was not notified earlier. With the current notification, that has been specified as 31 May 2019.  


This rule has been brought in effect to avoid instances of tax evasion by small and medium businesses.  So, in effect, anyone (individual or non-individual entities) making transactions of above Rs 2.5 Lakhs in a year will need to have a PAN number and Pan Card. The rule is applicable even for the current financial year, i.e. if a non-individual entity does a transaction above Rs 2.5 Lakhs in the current financial year, then application of PAN is mandatory by 31 May 2019.  


The entities that would come into consideration following the recent rules are the managing directors, directors, partners, Karta of HUF, trustee, Chief executive officers or any such individuals who are authorized to act on behalf of a non-individual entity like companies, trusts, etc. If these individuals conduct transactions over Rs 2.5 Lakhs in a year, they would need to be issued a PAN.  


**Procedure for Applying PAN**



Gone are the days when you had to fill out hard copies of Form 49A to apply for a PAN and send attested copies of supporting documents. You can now easily fill in your PAN application online and send in only an acknowledgment to the authorized agencies. National Securities Depository Limited (NSDL) or UTI Infrastructure Technology (UTIITL) are the two agencies authorized by the Department of Income Tax to accept PAN applications. 


***There are 3 ways in which you can fill in the online form on the sites of these agencies***


**1. Use E-KYC Method Through Aadhaar:** You can use the online e-KYC method by which your photograph and signature will be pulled in from the Aadhaar data. In this case, you would not need to upload any supporting documents for the PAN application. But you will need to have your registered mobile number available with you to be able to authenticate the OTP. 


**2.  Standalone E-Sign Method:** In this method, you would need to upload your photograph, signature in black ink and all other supporting documents in prescribed format along with your online application. 


**3. Physical Documents Submission:** There is also a third way wherein you can fill in the online application form and take a print of the same to submit it physically along with all other documents.  


When the PAN is applied for non-individual entities, you would need to submit the certification of incorporation, registration or the partnership deed as the case may be. 


For a Hindu Undivided Family (HUF), an affidavit made by the Karta of HUF stating name, father’s name, address of all the coparceners on the date of application, and copy of any of the above documents in the name of Karta of HUF are required as proof of identity, address and date of birth. 


**Additional Reading:** [How to Link Aadhaar Card with the PAN Card](https://www.creditmantri.com/article-how-to-link-aadhaar-card-with-the-pan-card/)


Once you have filled in the forms with all the required details, you would need to pay the specified fee through your debit/credit card, net banking or other allowed modes of payment. Once the payment is through, you would need to take a print-out of the receipt with 15-digit acknowledgment number and post the same to the address as mentioned on the website (NSDL or UTIITL).  


The PAN card is issued within a time frame of about 15 days from the date of receipt of documents. However, there has been a recent announcement by the CBDT saying that PAN would be issued as earlier as 4 days in the near future. i was just curious…:grinning:

and ya…if u have 2 pay ms for secure boot…then don’t pay😅 hey janice, walt disney world tries its best to make your vacation as worry free as possible. credit cards that are accepted at parks and restaurants on the walt disney world property are: visa jcb (japanese credit bureau) diners club discover mastercard american express you may also use disney gift cards. there are atm's located throughout the property for your convenience. have a great time at the most magical place on earth. the best airline credit cards with no annual fee are the capital one ventureone rewards credit card and discover it® miles if you want a general miles card, or the delta skymiles® blue american express card, the jetblue card and the american airlines aadvantage mileup℠ card for those who want to earn airline-specific miles without paying an annual fee. the earning rates on the airline-specific cards aren’t quite as good, though, and you’ll only be able to use them for flights on one airline.
here are the best airline credit cards with no annual fee:

capital one ventureone:
20,000 miles bonus for spending $500 in the first 3 months. 1.25 miles per $1 on all purchases. 0% intro apr on purchases for 12 months. 15.49% - 25.49% (v) regular apr. $0 foreign transaction fees. you need good credit.


discover it miles:
1.5 miles per $1 on all purchases. first year’s miles matched. 0% intro apr on purchases for 14 months (11.99% - 22.99% variable apr after that). 0% foreign transaction fees. you need good credit.


blue delta skymiles credit card:
10,000 miles bonus for spending $500 in the first 3 months. 2 miles / $1 spent at restaurants and on delta purchases (1 mile / $1 on everything else). 20% statement credit on food, beverages and headsets purchased on delta flights. 0% foreign transaction fees. you need good credit.


jetblue card:
10,000 points bonus for spending $1,000 in the first 90 days. 3 points / $1 spent on jetblue purchases. 0% foreign transaction fees. you need good credit.


aadvantage mileup card:
10,000 miles + $50 statement credit bonus after making $500 in purchases within the first 3 months. 2 miles / $1 spent on eligible american airlines purchases. 3% foreign transaction fee. you need good credit.

overall, there aren’t too many airline credit cards with no annual fee. most travel rewards credit cards charge, but many also offer more than enough rewards to make up for it, as long as you regularly make purchases and pay your bill in full every month. so, you may want to waive your no-annual-fee rule if you spend at least $1,000 per month. that’s how much you have to shell out each of the first three months to get the capital one venture rewards credit card’s 60,000 miles initial bonus, for example. and that alone covers years of annual fees, since this card’s annual fee is $95.
but if you don’t spend quite that much, the capital one ventureone or discover it miles is definitely the way to go. keep in mind that the discover it miles has no foreign transaction fees, but it also has lower global acceptance than visa or mastercard.