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	<title>Corpocrat Blog &#187; Money &amp; Finance</title>
	<atom:link href="http://corpocrat.com/category/money-finance/feed/" rel="self" type="application/rss+xml" />
	<link>http://corpocrat.com</link>
	<description>Daily Blog from Internet Entrepreneur/Webmaster</description>
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		<item>
		<title>Auto generate invoices from csv files with PHP</title>
		<link>http://corpocrat.com/2012/02/18/auto-generate-invoices-from-excel-files-with-php/</link>
		<comments>http://corpocrat.com/2012/02/18/auto-generate-invoices-from-excel-files-with-php/#comments</comments>
		<pubDate>Sat, 18 Feb 2012 11:04:56 +0000</pubDate>
		<dc:creator>pbu</dc:creator>
				<category><![CDATA[Money & Finance]]></category>
		<category><![CDATA[PHP Scripts]]></category>

		<guid isPermaLink="false">http://corpocrat.com/?p=3526</guid>
		<description><![CDATA[<p>Tax season again, and i had to submit all invoices to file taxes. I always wanted a way to automatically generate invoices from the CSV file, i had which details like sales and billing activity from 2checkout.</p>
<p>I never liked buying accounting software specifically for this and i believe anything can ...]]></description>
			<content:encoded><![CDATA[<p>Tax season again, and i had to submit all invoices to file taxes. I always wanted a way to automatically generate invoices from the CSV file, i had which details like sales and billing activity from 2checkout.</p>
<p>I never liked buying accounting software specifically for this and i believe anything can be done with PHP magic code, which is why i coded myself to accomplish whatever i wanted..</p>
<p><a href="http://corpocrat.com/wp-content/uploads/2012/02/Screen-shot-2012-02-18-at-4.53.29-PM.jpg"><img class="alignnone size-medium wp-image-3532" title="Screen shot 2012-02-18 at 4.53.29 PM" src="http://corpocrat.com/wp-content/uploads/2012/02/Screen-shot-2012-02-18-at-4.53.29-PM-300x198.jpg" alt="" width="300" height="198" /></a></p>
<p>All i had to do is just parse the CSV file using <strong>fgetcsv()</strong> and echo the data on the format of the invoice. It was pretty easy and i was accomplish this within 2 hrs. You just need to put this php file and the xls file on same folder in xampp or wamp and this script will neatly print invoices for all sales activity.</p>
<blockquote><p>If you are using 2CO, just download the sales and billing activity, separated by semicolon (;). Note that this script can only parse xls file, separated by semi-colon. if you want to work for comma (,) just tweak the below code. Within this code you can uncomment lines, which is not needed. I have left as it as just to play around.</p></blockquote>
<p>Here is the code&#8230;</p>
<pre class="brush: php; title: CODE; notranslate">

&lt;?php

/* CSV First Row Array Data Format

Array ( [0] =&gt; Sale [1] =&gt; Total [2] =&gt; Date Placed
[3] =&gt; Date Shipped [4] =&gt; Name [5] =&gt; Address
[6] =&gt; City [7] =&gt; State [8] =&gt; Postal Code
[9] =&gt; Country [10] =&gt; Phone [11] =&gt; Email [12] =&gt; Ship To
[13] =&gt; Ship Address [14] =&gt; Ship City [15] =&gt; Ship State
[16] =&gt; Ship Postal Code [17] =&gt; Ship Country [18] =&gt; Date Paid
[19] =&gt; Refund [20] =&gt; Refund Date [21] =&gt; Chargeback
[22] =&gt; Chargeback Date [23] =&gt; Vendor Product ID [24] =&gt; Product Name

*/

if (($handle = fopen(&quot;test.csv&quot;, &quot;r&quot;)) !== FALSE) {
while (($data = fgetcsv($handle, 1000,'\r\n')) !== FALSE) {
$num = count($data);
//echo &quot;&lt;p&gt; $num fields in line $row: &lt;br /&gt;&lt;/p&gt;\n&quot;;
$row++;
for ($c=0; $c &lt; $num; $c++) {
echo $data[$c] . &quot;&lt;br /&gt;\n&quot;;
// use comma if you have data separated by commas in explode
$data = explode(';',$data[$c]);
//echo $data[5];

?&gt;
&lt;table width=&quot;90%&quot; height=&quot;225&quot; border=&quot;1&quot;&gt;
&lt;tr&gt;
&lt;td colspan=&quot;2&quot; align=&quot;center&quot;&gt;&lt;strong&gt;I N V O I C E&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td colspan=&quot;2&quot;&gt;&amp;nbsp;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td width=&quot;399&quot;&gt;&lt;p&gt;&lt;strong&gt;ABC LLC&lt;/strong&gt;&lt;br /&gt;
West End Blvd #2999&lt;br /&gt;
Chicago, IL 98829&lt;br /&gt;
United States&lt;br /&gt;
&lt;/p&gt;
&lt;p&gt;Company Registration No: 29204929423 &lt;br /&gt;
VAT: EX239402349&lt;/p&gt;
&lt;p&gt;Website: http://www.example.com&lt;br /&gt;
Email: email@example.com
&lt;br /&gt;
&lt;/p&gt;&lt;/td&gt;
&lt;td width=&quot;346&quot;&gt;&amp;nbsp;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td&gt;&amp;nbsp;&lt;/td&gt;
&lt;td&gt;&amp;nbsp;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td&gt;&lt;p&gt;Client / Customer: &lt;/p&gt;
&lt;p&gt; &lt;?php echo $data[4]; ?&gt;  &lt;br /&gt;
&lt;?php echo $data[5]; ?&gt;&lt;br&gt;
&lt;?php echo $data[6]; ?&gt; &lt;?php echo $data[8]; ?&gt;&lt;br&gt;
&lt;?php echo $data[7]; ?&gt;&lt;br&gt;
&lt;?php echo $data[9]; ?&gt;&lt;br&gt;
Tel: &lt;?php echo $data[10]; ?&gt;
&lt;br /&gt;
&lt;/p&gt;&lt;/td&gt;
&lt;td&gt;&lt;p&gt;Invoice no: &lt;?php echo $data[0]; ?&gt; &lt;/p&gt;
&lt;p&gt;Date: &lt;?php echo $data[2]; ?&gt; &lt;/p&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td colspan=&quot;2&quot;&gt;&amp;nbsp;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td colspan=&quot;2&quot;&gt;&lt;table width=&quot;100%&quot; border=&quot;1&quot;&gt;
&lt;tr&gt;
&lt;th bgcolor=&quot;#caeffc&quot; scope=&quot;col&quot;&gt;Item&lt;/th&gt;
&lt;th bgcolor=&quot;#caeffc&quot; scope=&quot;col&quot;&gt;Description&lt;/th&gt;
&lt;th bgcolor=&quot;#caeffc&quot; scope=&quot;col&quot;&gt;Qty&lt;/th&gt;
&lt;th bgcolor=&quot;#caeffc&quot; scope=&quot;col&quot;&gt;Price&lt;/th&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td&gt;&amp;nbsp;&lt;/td&gt;
&lt;td&gt;&amp;nbsp;&lt;/td&gt;
&lt;td&gt;&amp;nbsp;&lt;/td&gt;
&lt;td&gt;&amp;nbsp;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td&gt;#&lt;?php echo $data[23]; ?&gt;&lt;/td&gt;
&lt;td&gt;&lt;?php echo $data[24]; ?&gt;&lt;/td&gt;
&lt;td&gt;1&lt;/td&gt;
&lt;td&gt;&lt;?php echo $data[1]; ?&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td&gt;&amp;nbsp;&lt;/td&gt;
&lt;td&gt;&amp;nbsp;&lt;/td&gt;
&lt;td&gt;&amp;nbsp;&lt;/td&gt;
&lt;td&gt;&amp;nbsp;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td align=&quot;center&quot;&gt;Thank you for the payment.&lt;/td&gt;
&lt;td align=&quot;right&quot;&gt;Total Amount Paid: USD &lt;?php echo $data[1] ?&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td colspan=&quot;2&quot;&gt;&amp;nbsp;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p&gt;&lt;/p&gt;
&lt;?php

//print_r($data);

}
}
fclose($handle);
}
?&gt;
</pre>
]]></content:encoded>
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		</item>
		<item>
		<title>Global Investors seek Swiss Franc Investments</title>
		<link>http://corpocrat.com/2012/02/13/global-investors-seek-swiss-franc-investments/</link>
		<comments>http://corpocrat.com/2012/02/13/global-investors-seek-swiss-franc-investments/#comments</comments>
		<pubDate>Mon, 13 Feb 2012 05:29:54 +0000</pubDate>
		<dc:creator>pbu</dc:creator>
				<category><![CDATA[Money & Finance]]></category>

		<guid isPermaLink="false">http://corpocrat.com/?p=3523</guid>
		<description><![CDATA[<p>Many European countries have plunged into significant debt and are now battlying with unemployment, fearing crisis in Euro zone. Savvy investors on fears of debt crisis in Europe are now on the run for investments designated in Swiss Francs (CHF) along with gold investments. The value of Swiss Franc has ...]]></description>
			<content:encoded><![CDATA[<p>Many European countries have plunged into significant debt and are now battlying with unemployment, fearing crisis in Euro zone. Savvy investors on fears of debt crisis in Europe are now on the run for investments designated in Swiss Francs (CHF) along with gold investments. The value of Swiss Franc has skyrocketed to historic high as the fear of Euro zone debt crisis looms and historic downgrade of US credit rating to AA+.</p>
<p>A Greece default could trigger a massive collapse of financial markets in Europe, especially when countries such as Italy, Spain, France and Ireland has so much debt tied to them. This could have a “domino” effect on US and other European countries and could significantly weaken the Euro currency.  Another recession is unthinkable and would rattle stock markets worldwide and significantly halt growth and already more asian countries are battling against inflation.</p>
<p>The purchasing power of US dollar is already declining and more and more americans are looking for an alternate currency other than US dollar. The Swiss Franc which is very well regarded as “safe haven” currency. The Swiss Franc had a meteoric rise against US dollar and significantly gained against major currencies.</p>
<p>To see the Swiss Franc (CHF) performance against US Dollar and Euro in the past 10 years, please see <a href="http://www.google.com//finance?chdnp=1&amp;chdd=1&amp;chds=1&amp;chdv=1&amp;chvs=Linear&amp;chdeh=0&amp;chfdeh=0&amp;chdet=1313054516147&amp;chddm=1748346&amp;cmpto=CURRENCY:CHFEUR&amp;cmptdms=0&amp;q=CURRENCY:CHFUSD&amp;ntsp=0">CHF graph data</a></p>
<p>One such investment, most investors seek is a &#8216;<strong>Swiss Annuity</strong>&#8216; designated in Swiss Francs. The swiss annuity is an insurance contract issued by major insurance companies in Switzerland, excellent for Safety, Growth and with guaranteed Returns. You will need to make a lump sum of atleast USD 50,000 or more to buy a swiss annuity contract, which can be deferred annuity  or immediate life annuity, depending upon your choice.  The swiss annuity investment offers liquidity, currency growth and most importantly asset protection along with privacy. There are no swiss taxes for foreigners purchasing an annuity contract in Switzerland. A number of currency options available like EUR, USD, AUD, NEK, SEK and the annuity payouts can be made to any bank account in the world.</p>
<p>For more information about swiss annuities and how to receive free proposals, please visit the following useful websites:</p>
<ul>
<li><a href="http://www.swissannuity.ch" target="_blank">http://www.swissannuity.ch</a></li>
<li><a href="http://www.best-swiss-annuities.com" target="_blank">http://www.best-swiss-annuities.com</a></li>
</ul>
]]></content:encoded>
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		</item>
		<item>
		<title>Taxi ripoffs in Budapest</title>
		<link>http://corpocrat.com/2011/12/05/taxi-ripoffs-in-budapest/</link>
		<comments>http://corpocrat.com/2011/12/05/taxi-ripoffs-in-budapest/#comments</comments>
		<pubDate>Sun, 04 Dec 2011 21:29:37 +0000</pubDate>
		<dc:creator>pbu</dc:creator>
				<category><![CDATA[Money & Finance]]></category>

		<guid isPermaLink="false">http://corpocrat.com/?p=3479</guid>
		<description><![CDATA[<p>I was traveler to Budapest for the first time and i am sharing my experience of the ripoff i had in Budapest. I was on Deak Ferenz ter (Vorosmarty market) and there were many taxis parked and hired one of these guys to Heroes square and i was surprised to ...]]></description>
			<content:encoded><![CDATA[<p>I was traveler to Budapest for the first time and i am sharing my experience of the ripoff i had in Budapest. I was on Deak Ferenz ter (Vorosmarty market) and there were many taxis parked and hired one of these guys to Heroes square and i was surprised to see my taxi fare to 9300 forints and the actual price is supposed to be about 1200 forints or so. The guy spoke very good english had a nice alluring chat but ripped me off.</p>
<p>So be careful hiring taxis in Budapest where there are popular destinations. The best is to call a taxi to hire and in that way you dont give any chance to ripoffs.</p>
<p>Besides this, be sure to avoid blacklisted places, announced by US embassy for Budapest. The Ferihegy international airport has been recently renamed as &#8220;List Fernc International airport&#8221;.</p>
<p><a href="http://hungary.usembassy.gov/tourist_advisory.html">http://hungary.usembassy.gov/tourist_advisory.html</a></p>
<p>Hope you be careful when you travel to budapest next time.</p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Indian paypal users are forced to autowithdraw daily!</title>
		<link>http://corpocrat.com/2011/09/13/indian-paypal-users-are-forced-to-autowithdraw-daily/</link>
		<comments>http://corpocrat.com/2011/09/13/indian-paypal-users-are-forced-to-autowithdraw-daily/#comments</comments>
		<pubDate>Tue, 13 Sep 2011 09:39:53 +0000</pubDate>
		<dc:creator>pbu</dc:creator>
				<category><![CDATA[Money & Finance]]></category>

		<guid isPermaLink="false">http://corpocrat.com/?p=3272</guid>
		<description><![CDATA[<p></p>
<p>Today, Paypal has sent an email to all indian users saying that from now on payments received through paypal will be autowithdrawn daily. The 7 day withdrawal limit previously announced by paypal has been changed to and instead daily withdrawals apply. The bank accounts are automatically set  to daily auto ...]]></description>
			<content:encoded><![CDATA[<p><a href="http://corpocrat.com/wp-content/uploads/2010/07/paypalindia.png"><img title="paypalindia" src="http://corpocrat.com/wp-content/uploads/2010/07/paypalindia.png" alt="" width="266" height="77" /></a></p>
<p>Today, Paypal has sent an email to all indian users saying that from now on payments received through paypal will be autowithdrawn daily. The 7 day withdrawal limit previously announced by paypal has been changed to and instead daily withdrawals apply. The bank accounts are automatically set  to daily auto withdrawal and the reason given was to comply with RBI regulations. The only relief is that there is no paypal fee charged for auto withdrawals. Hmmm!</p>
<p>For latest updates see: <a href="http://paypal-apac.com/india/" target="_blank">http://paypal-apac.com/india/</a></p>
<h3>The Problems with Paypal for Indians</h3>
<p>All Indian users were forced to give PAN, Purpose code and Bank account with Paypal. Even by complying with all regulations by giving PAN, Purpose code, Credit card etc.. the problems with paypal arent going away.</p>
<blockquote><p>1.  Indian paypal users were not allowed to send money if no credit card connected to paypal account.</p>
<p>2. Indians cannot pay another Indian paypal account, even if credit card is attached.</p>
<p>3. Indians are not allowed to send money from paypal balance.</p>
<p>4. Sending Mass payments disabled for Indian users.</p>
<p>5. Now, Indians are forced to auto withdraw daily. More indians are worried about refunds and chargebacks related to non keeping of paypal balance. Many prefer to keep atleast $100 to $200 to cover for paypal disputes, refunds and chargebacks.</p></blockquote>
<p>Take a look at the new explanations by paypal with regard to new rules&#8230;</p>
<p><a href="http://corpocrat.com/wp-content/uploads/2011/09/Screen-shot-2011-09-13-at-2.34.25-PM.png"><img class="alignnone size-full wp-image-3273" title="Screen shot 2011-09-13 at 2.34.25 PM" src="http://corpocrat.com/wp-content/uploads/2011/09/Screen-shot-2011-09-13-at-2.34.25-PM.png" alt="" width="550" height="77" /></a></p>
<p><a href="http://corpocrat.com/wp-content/uploads/2011/09/Screen-shot-2011-09-13-at-2.35.16-PM.png"><img class="alignnone size-full wp-image-3274" title="Screen shot 2011-09-13 at 2.35.16 PM" src="http://corpocrat.com/wp-content/uploads/2011/09/Screen-shot-2011-09-13-at-2.35.16-PM.png" alt="" width="559" height="81" /></a></p>
<p><a href="http://corpocrat.com/wp-content/uploads/2011/09/Screen-shot-2011-09-13-at-2.35.25-PM.png"><img class="alignnone size-full wp-image-3275" title="Screen shot 2011-09-13 at 2.35.25 PM" src="http://corpocrat.com/wp-content/uploads/2011/09/Screen-shot-2011-09-13-at-2.35.25-PM.png" alt="" width="377" height="57" /></a></p>
<p><a href="http://corpocrat.com/wp-content/uploads/2011/09/Screen-shot-2011-09-13-at-2.35.49-PM.png"><img class="alignnone size-full wp-image-3276" title="Screen shot 2011-09-13 at 2.35.49 PM" src="http://corpocrat.com/wp-content/uploads/2011/09/Screen-shot-2011-09-13-at-2.35.49-PM.png" alt="" width="555" height="83" /></a><a href="http://corpocrat.com/wp-content/uploads/2011/09/Screen-shot-2011-09-13-at-2.35.58-PM.png"><img class="alignnone size-full wp-image-3277" title="Screen shot 2011-09-13 at 2.35.58 PM" src="http://corpocrat.com/wp-content/uploads/2011/09/Screen-shot-2011-09-13-at-2.35.58-PM.png" alt="" width="504" height="91" /></a></p>
]]></content:encoded>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Quick and easy way to to find currency exchange rate!</title>
		<link>http://corpocrat.com/2011/09/10/quick-and-easy-way-to-to-find-currency-exchange-rate/</link>
		<comments>http://corpocrat.com/2011/09/10/quick-and-easy-way-to-to-find-currency-exchange-rate/#comments</comments>
		<pubDate>Sat, 10 Sep 2011 12:17:09 +0000</pubDate>
		<dc:creator>pbu</dc:creator>
				<category><![CDATA[Internet]]></category>
		<category><![CDATA[Money & Finance]]></category>

		<guid isPermaLink="false">http://corpocrat.com/?p=3159</guid>
		<description><![CDATA[<p></p>
<p>Very often, if you are receiving payments in foreign currency,  you will be in a hurry to find latest exchange rate and its values. Well the easiest way to to do it, go to firefox or safari search bar or directly  in google,</p>
100 EUR to USD
<p>The first should have a ...]]></description>
			<content:encoded><![CDATA[<p><a href="http://corpocrat.com/wp-content/uploads/2011/09/Sign-Dollar-e1315727191845.png"><img class="size-full wp-image-3168 alignnone" title="Sign - Dollar" src="http://corpocrat.com/wp-content/uploads/2011/09/Sign-Dollar-e1315727191845.png" alt="" width="200" height="200" /></a></p>
<p>Very often, if you are receiving payments in foreign currency,  you will be in a hurry to find latest exchange rate and its values. Well the easiest way to to do it, go to firefox or safari search bar or directly  in google,</p>
<h3>100 EUR <strong>to</strong> USD</h3>
<p>The first should have a number, then originating currency, then <strong>to</strong> and destination currency. You just need to know the 3 letter words for the world currencies.</p>
<p><a href="http://corpocrat.com/wp-content/uploads/2011/09/screen.png"><img class="size-full wp-image-3160 alignnone" title="screen" src="http://corpocrat.com/wp-content/uploads/2011/09/screen.png" alt="" width="284" height="72" /></a></p>
<p>Thats it google will  you instant currency conversion value</p>
<p><a href="http://corpocrat.com/wp-content/uploads/2011/09/shot.png"><img class="size-full wp-image-3161 alignnone" title="shot" src="http://corpocrat.com/wp-content/uploads/2011/09/shot.png" alt="" width="588" height="159" /></a></p>
<p>I never liked visiting other third party websites to find out exchange rates, when such an easy to find out from google. Hope this tip comes handy for you.</p>
]]></content:encoded>
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		<item>
		<title>Going Abroad? Dont violate Forex norms!</title>
		<link>http://corpocrat.com/2011/09/08/going-abroad-dont-violate-forex-norms/</link>
		<comments>http://corpocrat.com/2011/09/08/going-abroad-dont-violate-forex-norms/#comments</comments>
		<pubDate>Thu, 08 Sep 2011 10:59:15 +0000</pubDate>
		<dc:creator>pbu</dc:creator>
				<category><![CDATA[Money & Finance]]></category>

		<guid isPermaLink="false">http://corpocrat.com/?p=3108</guid>
		<description><![CDATA[<p>If you are a frequent travelor going abroad or travelling outside india, be careful that you dont violate Forex (foreign exchange) rules in India. Most people prefer to take money with them either as travellers check or Prepaid travel card in foreign currency, but there are limits and regulations for ...]]></description>
			<content:encoded><![CDATA[<p>If you are a frequent travelor going abroad or travelling outside india, be careful that you dont violate Forex (foreign exchange) rules in India. Most people prefer to take money with them either as travellers check or Prepaid travel card in foreign currency, but there are limits and regulations for everything. Keep in mind that most banks insist doing foreign transactions from current account.</p>
<p><a href="http://corpocrat.com/wp-content/uploads/2011/09/03_256x256.png"><img class="alignnone size-full wp-image-3224" title="03_256x256" src="http://corpocrat.com/wp-content/uploads/2011/09/03_256x256-e1315830984374.png" alt="" width="255" height="196" /></a><a href="../wp-content/uploads/2011/09/Money.png"><br />
</a></p>
<p>Here are quick summary of forex rules in India:</p>
<p>1. If you are travelling as <strong>tourist</strong>, you are allowed to take maximum USD 10,000 (equivalent of 4.5 lacs) combined for whole single year. You can take any currency EUR, JPY, GBP but the maximum is 10k USD.</p>
<p>2. If you are travelling for <strong>business</strong>, you are allowed to take a maximum of USD 25,000 per trip.</p>
<p>3. If you are going abroad for <strong>studies, medical purpose or immigration</strong> to another country, you are allowed to take maximum of USD 100,000 (approx 45 lacs) in a financial year.</p>
<p>5. If you are buying a <strong>property abroad</strong>, <strong>sending gifts or donations to charities</strong> you can you can avail benefit from Liberalized Remittance  Scheme, which allows you to take maximum of USD 200,000 (approx 90 lacs)  in a financial year.</p>
<p>6. You cannot take more than Rs. 7,500 in indian currency notes when going abroad.</p>
<p>7. While coming from abroad, if you have foreign currency or travellers cheques with value above USD 5,000 you must declare that with customs authorities at airport.</p>
<p>For more information in detail for foreign exchange transactions, please visit <a href="http://www.rbi.org.in/scripts/FAQView.aspx?Id=53" target="_blank">RBI website</a></p>
<p>You may be asked to fill up certain forms depending on the reason why you are going abroad and the most important form is <a href="http://rbidocs.rbi.org.in/rdocs/forms/docs/fema-f2.doc" target="_blank">A2 form</a>.</p>
<p>Please visit the official bank websites to download such forms</p>
<p>ICICI bank &#8211; <a href="http://www.icicibank.com/Personal-Banking/account-deposit/Outward-Remittance/download-form.html" target="_blank">Download forms</a></p>
<p>HDFC Bank &#8211; <a href="http://www.hdfcbank.com/personal/forex/forex_limits.htm" target="_blank">Download forms</a></p>
<p>Note: The above is a general information and please consult a lawyer or accountant in India for any legal information.</p>
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		<title>Smart cards &#8211; A new technology for Internet banking</title>
		<link>http://corpocrat.com/2011/08/30/smart-cards-a-new-technology-for-internet-banking/</link>
		<comments>http://corpocrat.com/2011/08/30/smart-cards-a-new-technology-for-internet-banking/#comments</comments>
		<pubDate>Tue, 30 Aug 2011 05:44:43 +0000</pubDate>
		<dc:creator>pbu</dc:creator>
				<category><![CDATA[Money & Finance]]></category>

		<guid isPermaLink="false">http://corpocrat.com/?p=3076</guid>
		<description><![CDATA[<p>I was fascinated by smart cards used to authenticate internet banking logins used by many banks in europe. Recently i was sent by a smart card and reader by post by our bank, and it was difficult to be to use smart cards, as we have never seen smart cards ...]]></description>
			<content:encoded><![CDATA[<p>I was fascinated by smart cards used to authenticate internet banking logins used by many banks in europe. Recently i was sent by a smart card and reader by post by our bank, and it was difficult to be to use smart cards, as we have never seen smart cards used in our side of the world. Initially i struggled to configure the smart card and certificates, finally was able to login to internet banking.</p>
<p><a href="http://corpocrat.com/wp-content/uploads/2011/08/Credit-Card.png"><img class="alignnone size-full wp-image-3210" title="Credit Card" src="http://corpocrat.com/wp-content/uploads/2011/08/Credit-Card.png" alt="" width="256" height="256" /></a></p>
<p>This is how you have to login to internet banking&#8230;</p>
<p>First go to internet banking website of your bank, the internet explorer will prompt for PIN of your smart card, key in and then you will be taken to a secure https part of same bank website. Just login with your bank username and password, and you are accessing your bank account online.</p>
<p>i felt secure to login but the downside was, it only works in internet explorer and not in other major browsers. This also means that you are restricted to windows xp and vista OS.</p>
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		<title>Firefox problems with smart card reader PIN prompt</title>
		<link>http://corpocrat.com/2011/08/30/firefox-problems-with-smart-card-reader-pin-prompt/</link>
		<comments>http://corpocrat.com/2011/08/30/firefox-problems-with-smart-card-reader-pin-prompt/#comments</comments>
		<pubDate>Tue, 30 Aug 2011 05:35:16 +0000</pubDate>
		<dc:creator>pbu</dc:creator>
				<category><![CDATA[Money & Finance]]></category>
		<category><![CDATA[firefox smart card reader]]></category>

		<guid isPermaLink="false">http://corpocrat.com/?p=3073</guid>
		<description><![CDATA[<p>Recently, our bank ING bank informed us from now on we have to use smart card to login to internet banking . The smart card PIN based authentication is latest used by most banks in european countries. I was given a gemalto active client toolbox software along with the smart ...]]></description>
			<content:encoded><![CDATA[<p>Recently, our bank ING bank informed us from now on we have to use smart card to login to internet banking . The smart card PIN based authentication is latest used by most banks in european countries. I was given a gemalto active client toolbox software along with the smart card reader and smart card issued by bank. I read and followed the instructions carefully but had some issues with firefox browser.</p>
<p>I had no problems with internet explorer 7 and as soon as i plugged the smart card reader to USB port, it prompted for secure PIN, but it isnt happening with firefox. Usually firefox is supposed to recognize smart card reader and ask for PIN along and it take to secure internet site through https. It never happened all i am getting is certificate invalid.</p>
<p>For instructions and configuration of smart card reader and certificates, please <a href="http://www.ingcommercialbanking.com/Instalation%20IOL%20-%20Manual.pdf" target="_blank">see this page</a> (pdf) with instructions</p>
<p>I searched in vain for additional plugins but never found one.</p>
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		<title>Too many paypal chargebacks may hurt your business!</title>
		<link>http://corpocrat.com/2011/08/22/too-many-paypal-chargebacks-may-hurt-your-business/</link>
		<comments>http://corpocrat.com/2011/08/22/too-many-paypal-chargebacks-may-hurt-your-business/#comments</comments>
		<pubDate>Mon, 22 Aug 2011 10:15:29 +0000</pubDate>
		<dc:creator>pbu</dc:creator>
				<category><![CDATA[Money & Finance]]></category>

		<guid isPermaLink="false">http://corpocrat.com/?p=3063</guid>
		<description><![CDATA[<p></p>
<p>It has been a most humble day in my life. i have been long time premium verified paypal seller and have never received any chargebacks. One day out of the blue, i received about 20 chargebacks in a singleday as &#8220;unauthorized&#8221;, all from a single customer.  I received paypal case ...]]></description>
			<content:encoded><![CDATA[<p><a href="http://corpocrat.com/wp-content/uploads/2011/08/paypal-icon.png"><img class="alignnone size-full wp-image-3207" title="paypal-icon" src="http://corpocrat.com/wp-content/uploads/2011/08/paypal-icon-e1315820016548.png" alt="" width="256" height="188" /></a></p>
<p>It has been a most humble day in my life. i have been long time premium verified paypal seller and have never received any chargebacks. One day out of the blue, i received about 20 chargebacks in a singleday as &#8220;unauthorized&#8221;, all from a single customer.  I received paypal case notifications coming all day from paypal that the buyer filed for dispute with their bank and the bank reversed all the payments done for whole months of July and August. The guy paid all payments using credit card, i found out later. The buyer bought $25 express submission and though i did approve and publish all the submissions in my website, yet got chargebacked. The chargeback reason code paypal sent me was 177.</p>
<p>All these notifications and chargebacks, kind of freaked me out because not only i will be paying $10 for each chargback plus the refund amount, it really hurts my reputation as a seller. i really fear that paypal one day might think that my account has high risk because of chargebacks and may possibly limit my account. Without paypal, i am screwed and my business is screwed.</p>
<p>Worse yet, all these paypal notifications landed up on my gmail spam. I initially thought it was spam, but later when i logged in to my account, i found out it was genuine.</p>
<p>I know its impossible to fight chargebacks because of intangible products, i did my level best to provide paypal screenshots of email correspondence and the buyers submissions etc.  i spent the whole day uploading screenshots to paypal for all the 20 chargebacks.</p>
<blockquote>
<h3>Case received: Case ID: PP-001-xxx-xxx - A-A001</h3>
<p>Dear Michael,</p>
<p>We were recently notified that one of your buyers filed a chargeback and<br />
asked the credit card issuer to reverse a payment made to you on<br />
29-Jul-2011.</p>
<p>The buyer claims that this purchase was made without authorisation to use<br />
the credit card. Their credit card issuer needs additional information from<br />
you about this transaction.</p>
<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<br />
Transaction Details</p>
<div id=":7c">&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<wbr>&#8212;&#8211;<br />
Buyer&#8217;s Name: xxxxx<br />
Buyer&#8217;s Email:<br />
Buyer&#8217;s Transaction ID: 7MH29xxxxxxxxxxTransaction Date:29-Jul-2011<br />
Transaction Amount:-$25.00 USD<br />
Case No.:PP-001-xxxxxxxx<br />
Your Transaction ID: 5A839xxxxxxxxxx&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<wbr>&#8212;&#8211;<br />
What to Do Next<br />
&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<wbr>&#8212;&#8211;Please respond within 10 days so that we can help resolve this chargeback.<br />
To respond, log in to your PayPal account and go to the Resolution Centre<br />
to provide information about this transaction.The credit card issuer decides if the buyer&#8217;s claim is legitimate. Once the<br />
credit card issuer receives your information, it may take up to 75 days to<br />
make a final decision.Because the credit card issuer has reversed the charge for this<br />
transaction, we&#8217;ve placed a temporary hold on the funds associated with<br />
this transaction until the case is resolved. Our user agreement explains<br />
our policies on holding funds.</p>
<p>You can learn more about chargebacks in the Resolution Centre tutorials.<br />
&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<wbr>&#8212;&#8211;<br />
Other Details<br />
&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<wbr>&#8212;&#8211;</wbr></wbr></p>
<p>There are no other details regarding this transaction at the moment.</p>
<p>Yours sincerely,</p>
<p>PayPal<br />
Chargeback Department</p>
<p>&nbsp;</p>
<p></wbr></wbr></wbr></div>
</blockquote>
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		<title>Apostille and Attestation of Documents in India</title>
		<link>http://corpocrat.com/2011/07/06/apostille-and-attestation-of-documents-in-india/</link>
		<comments>http://corpocrat.com/2011/07/06/apostille-and-attestation-of-documents-in-india/#comments</comments>
		<pubDate>Wed, 06 Jul 2011 03:30:51 +0000</pubDate>
		<dc:creator>pbu</dc:creator>
				<category><![CDATA[Money & Finance]]></category>

		<guid isPermaLink="false">http://corpocrat.com/?p=3014</guid>
		<description><![CDATA[<p>Apostille and attestation of Documents.</p>
<p>Ministry of External Affairs is responsible for attestation of documents for use in countries abroad. This service is now being performed by its offices located at the following places.</p>
<p>1. Delhi				: Attestation cell, CPV Division, MEA,</p>
<p> Patiala house annexe, Tilak Marg, New </p>
<p> Delhi – 110 011</p>
<p>Telefax: ...]]></description>
			<content:encoded><![CDATA[<p><!-- 		@page { margin: 2cm } 		P { margin-bottom: 0.21cm } 		A:link { color: #0000ff } --><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"><span style="text-decoration: underline;"><strong>Apostille and attestation of Documents.</strong></span></span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">Ministry of External Affairs is responsible for attestation of documents for use in countries abroad. This service is now being performed by its offices located at the following places.</span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">1. Delhi				: Attestation cell, CPV Division, MEA,</span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"> Patiala house annexe, Tilak Marg, New </span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"> Delhi – 110 011</span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">Telefax: 011 – 23387931</span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"> Email: </span></span><span style="color: #0000ff;"><span style="text-decoration: underline;"><a href="mailto:sooi@mea.gov.in"><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">sooi(att)mea.gov.in</span></span></a></span></span><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"> </span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"> </span></span><span style="color: #0000ff;"><span style="text-decoration: underline;"><a href="mailto:usexio@mea.gov,in"><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">usexio(att)mea.gov.in</span></span></a></span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">2. <strong>Chennai			:</strong> MEA Branch Secretariat</span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"> E.V.K Sampath Maaligai – 7</span></span><sup><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">th</span></span></sup><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"> floor,</span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"> 68, college Road, Chennai – 6</span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"> Ph: 044 – 28251323 / 28272200</span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"> Fax: 044 – 28251034</span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"> Email: </span></span><span style="color: #0000ff;"><span style="text-decoration: underline;"><a href="mailto:usbs.chennai@mea.gov.in"><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">usbs.chennai(att)mea.gov.in</span></span></a></span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">3. <strong>Hyderabad			:</strong> MEA Branch secretariat </span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"> Old reception Hall, Near Old Gate,</span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"> Andhra Pradesh Secretariat,</span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"> Hyderabad – 22</span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"> Ph: 040 – 23456051 Fax: 040 – 23451244</span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"> Email: </span></span><span style="color: #0000ff;"><span style="text-decoration: underline;"><a href="mailto:raviaisola@hotmail.com"><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">raviaisola(att)hotmail.com</span></span></a></span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">4. <strong>Kolkata				:</strong> MEA Branch Secretariat</span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">2, Ballygunge, Park Road</span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">Kolkata – 700 019 Ph: 033 – 22879701</span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">Fax: 033 – 22879703</span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">Email: </span></span><span style="color: #0000ff;"><span style="text-decoration: underline;"><a href="mailto:meacal@dataone.in"><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">meacal(att)dataone.in</span></span></a></span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">5. Guwahati			: MEA Branch Secretariat</span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">House No.307, Beltola, Basistha Road,</span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"> Guwahati – 781028. Ph: 0361 – 2229155</span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"> Fax: 0361 – 2229157 </span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">Email: </span></span><span style="color: #0000ff;"><span style="text-decoration: underline;"><a href="mailto:hobs.guwahati@mea.gov.in"><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">hobs.guwahati(att)mea.gov.in</span></span></a></span></span></p>
<p><span style="color: #0000ff;"><span style="text-decoration: underline;"><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"><br />
</span></span></span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"><span style="text-decoration: underline;"><strong>IMPORTANT INFORMATION REGARDING ATTESTATION OF DOCUMENTS.</strong></span></span></span></p>
<ol>
<li><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">Please go to  the concerned Regional Authentication Centre for initial 	attestation. see below the list of centres..<br />
</span></span></li>
<li><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">Thereafter, 	please bring the following documents to the branch secretariat.</span></span>
<ul>
<li><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">Original 		documents along with a copy thereof (back to back)</span></span></li>
<li><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">Photo 		identity proof i.e. passport copy of the person bringing the 		documents.</span></span></li>
<li><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">Letter 		of authorization in case the certificate holder cannot come in 		person, along with photo identity proof of the representative.</span></span></li>
<li><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">Note: 		The service is rendered free of charge.</span></span></li>
</ul>
</li>
</ol>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"><span style="text-decoration: underline;"><strong>APOSTILLE ATTESTATION.</strong></span></span></span></p>
<ol>
<li><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">The 	requirements are the same as for general attestation.</span></span></li>
<li><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">The 	prescribed fee of Rs. 50/- per sticker may please be paid by bank 	draft in favour of “PAO, MEA, NEW DELHI”.</span></span></li>
</ol>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"><strong>Note: For more than one document the fee should be paid through a single DD only. Eg. If there are 5 documents, a single DD for Rs. 250/- may be presented.</strong></span></span></p>
<ol>
<li><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">Attestation/Apostille 	documents should be free from lamination. If already laminated, the 	lamination may be removed in such a way that a minimum are of 12cm x 	13cm is left free for both Apostille sticker and attestation seals.</span></span></li>
<li><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">Applicants 	are advised to ensure that the demand drafts submitted are in order. 	The following points may please be noted.</span></span>
<ul>
<li><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">Date 		of draft to be correctly mentioned.</span></span></li>
<li><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">The 		draft is to be made payable to “PAO, MEA, New Delhi”.</span></span></li>
<li><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">Prescribed 		fee and amount in draft are the same.</span></span></li>
<li><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">Signature 		of authorized signatory of bank is affixed.</span></span></li>
</ul>
</li>
</ol>
<blockquote><p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">Attestation Timings: 09.30 – 12.30 Pm</span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">Documents Delivery Timings: 04.00 – 05.00 Pm</span></span></p></blockquote>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"><span style="text-decoration: underline;"><strong>Regional Authentication Centre for Authentication of Educational Documents/General Documents.</strong></span></span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">1. Tamil Nadu			: Under Secretary to Govt. public </span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"> (Foreigners) dept, Govt. of Tamil Nadu,</span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">Chennai – 9 Ph: 044 – 25670324</span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">2. Karnataka			: Under Secretary, Home Dept. Passport&amp; </span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"> Foreigners Room no 224 II nd floor, </span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"> Vidhana Soudha, Govt. of Karnataka,</span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"> Bangalore – 560 001</span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">Ph: 080 – 22033371</span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">3. Kerala				: Regional Authentication officers, Lotus </span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"> Villa, Sasthamangalam, Govt of Kerala,</span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"> Thiruvanathapuram.</span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">Ph: 0471 &#8211; 5575212 </span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">4. Puducherry			: Home dept, Chief Secretariat, </span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;"> Puducherry. Ph: 0413 – 2333271 / 75</span></span></p>
<p><span style="font-family: Bookman Old Style,serif;"><span style="font-size: medium;">For more information, please visit the <a href="http://meaindia.nic.in/mystart.php?id=8801" target="_blank">official govt website</a><br />
</span></span></p>
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