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FAQs
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How can I implement an online payment gateway in an Android app using CCAvenue?
>Integration with CCAvenue is possible using their Mobile Integration Kit. They provide sample code for iOS and Android which can be downloaded from here:https://mars.ccavenue.com/downlo...They describe two ways of integrating with their payment gateway, seamless and non-seamless. Either way requires you to redirect the user to a web page to complete the payment process or acquire authorisation from the users bank. Once done CCAvenue can redirect the user to whatever URL you prefer. This could be a website, merchant server API or a custom URI like myapp:// where you could handle the response locally.Seamless means you have the opportunity to present the payment options natively and collect all required fields first, then submit this to CCAvenue.Non-Seamless means you just pass the amount and currency to CCAvenue and the billing and payment details are collected from the redirected page.Either way will you require you to handle integration with CCAvenue with a separate WebView Activity to which CCAvenue provide sample code for.First of all, you need to set up a CCAvenue account. Go to the Sign Up page, choose the Startup Pro plan and fill out your details. On creating your account, you will recieve an e-mail on your entered e-mail address to verify your e-mail. Once you verify your e-mail, you will recieve an activation e-mail which will give you your CCAvenue Account Login ID and you will be required to set your password. Set your account password and make sure you read the e-mails that you receive thoroughly.Login to CCAvenue M.A.R.S Panel (Dashboard). In the Settings > API keys tab , you would get the Merchant ID , Access Code as well as the Working Key. The working key is also named as the encryption key in the dashboard provided to your from CCAvenue. Copy these keys to a safe place for later use.To secure the data transmitted from mobile while initiating the transaction, CCAvenue has implemented a time-based RSA key pair value which needs to be fetched uniquely for every transaction. These files should be uploaded on your web server.To download these files, Login to CCAvenue Dashboard. Now go to Resources > Mobile Integration Kit. Further click on RSA & Response Handling. Download the PHP files from here. You can also use the JSP and ASP .NET files but make sure your web server supports these functionalities before you use them. PHP is supported by every web server so I am using PHP.You will find 4 files on unzipping your PHP download. These are: cacert.pem, ccavResponseHandler.php, Crypto.php and GetRSA.php. You will find 4 files on unzipping your PHP download. These are: cacert.pem, ccavResponseHandler.php, Crypto.php and GetRSA.php. Now follow the following steps:(a) Upload these 4 files on your web server.(b) In the GetRSA.php file, put your access code in the 4th line like this: 'access_code'=>"XXXXXXXXXXXXXXXXXX",(c) In the 20th line, you need to put the path where you have uploaded your cacert.pem file. For example: curl_setopt($ch, CURLOPT_CAINFO, $_SERVER['DOCUMENT_ROOT'].'/RSA/cacert.pem');(d) In the ccavResponseHandler.php file, put your working key in the 6th line like this: $workingKey='105B05A21AD102EBA62C051720CC3FA2';That's all for the server part.(Source :: Internet)Thanks.
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What are prominent examples of amateur researchers achieving major feats in their chosen area?
Günter Wächtershäuser might be the most important amateur scientist of our era. He made his living as a patent attorney. While doing that he got interested in the origin of life and developed an original and widely respected set of hypotheses about how living things came into being.[1]He had been trained in science, earning a Phd. in organic chemistry in 1965 at the University of Marburg, Germany, and was a postdoc there for more than a year. But then he decided to become an attorney, and began taking law classes while working on his dissertation.He maintained an interest in science and in 1972/3 he read a paper by one of his professors about the RNA world theory of the origin of life. Later on,he met, and became friends with, the famous philosopher of science, Karl Popper. Still later, he became friends with Carl Woese, one of the most important scientists studying the early history of life.Wächtershäuser was an expert in developing friendships with famous people in science. Those people, in turn, helped him get his early papers published in prominent journals, including the Proceedings of the National Academy of Sciences, the most prestigious publication of all.Those early publications in 1988 and 1990 made him famous in his field, earning him several awards and, he was finally made an adjunct professor at the University of North Carolina at Chapel Hill in 2008. (Adjunct professors are the lowest level of professors in a university.) As of 2012, he continued to maintain his legal business.His early work was entirely theoretical, describing known chemistry and how that might lead to life. He didn’t have access to chemicals or a laboratory. He did have access to the scientific literature and relied on that heavily. Later on, he had collaborators who performed experiments for him.What did he accomplish?Everything in study of the origin of life is complicated. Here’s a simple account.Back then, the two leading hypotheses about the origin of life were:The primordial soup theory said that organic chemicals in lakes or oceans somehow reacted with each other to generate living things.The RNA World theory said that RNA molecules somehow came into being and somehow developed the ability to replicate, gradually evolving into living things.Wächtershäuser rejected those ideas and, instead, proposed that Iron, Sulphur, and various other minerals reacted with organic substances in the ocean, producing many of the biochemicals that exist in modern organisms. This diagram [2] gives an overview. Keep in mind that the original hypothesis included a great many more reactions.Pyrite, sometimes called fool’s gold, is crucial to this scheme:Iron and sulphur react with each other to form pyite. This reaction provides energy and electrons (e in the diagram) that drives other biochemical reactions.In modern organisms, enzymes push (catalyze) biochemical reactions. It turns out that pyrite can catalyze many of the same reactions. So, the earliest living things could have relied on pyrite to avoid having to create complicated enzymes.All of these reactions can happen on the surfaces of rocks at the bottom of the ocean. That means the earliest living things didn’t have to start with membranes to enclose biochemicals.Eventually, reactions would some develop self-sustaining cycles that would form the basis of something like a living thing.So, is the hypothesis right?Parts of Wächtershäuser’s ideas are now widely accepted and other parts are likely wrong.His ideas about pyrite are now called the Iron–Sulfur World hypothesis. They are still widely cited and regarded as important by many people in that field[3] but some, like Mike Russell, think that they are completely wrong.[4]There is no evidence for self-sustaining cycles, which are absolutely essential for his full hypothesis. Some investigators think this concept can’t ever work.[5]His own evaluation is that:[6]Research into the origin of life is largely an immature science that lacks a pattern of progress, where a present advance is based on a previous advance and gives rise to a next advance, and where advancing empirical evidence becomes progressively integratable. Instead, origin-of-life proposals present frequently a pattern of groping for clues.Most ideas in this field turn out to be either wrong or not testable. Wächtershäuser has produced more interesting and viable ideas than most professionals.Another amateur:Early in the 20th Century, a patent clerk developed several physical theories, including one about the motions of bodies moving near the speed of light.[7] Nobody was paying him to develop these theories or publish them. In that sense, he qualified as an amateur scientist. We don’t usually think of him that way because his early work got him positions at universities.To read more:For great, non-technical overviews, try these. Unfortunately. the second one is behind a paywall.Amateur Shakes Up Ideas on Recipe for LifeBetween a Rock and a Hard PlaceHe speaks for himself in this interview, which provides a good sense of his distinctive personal style:Entrevista Gunter WachtershauserHis scientific publications are extremely challenging, especially the early ones. That’s always a bad sign. Good theorists write clearly; bad theorists write mud. If you are very brave, you can try this one:http://www.pnas.org/content/pnas...Footnotes[1] Günter Wächtershäuser - Wikipedia[2] N. Bishop. Part II: Replication First (Gene First) or RNA World Hypothesis CLAIM: The first molecule of life was RNA which can both store information. - ppt download[3] Iron–sulfur world hypothesis - Wikipedia[4] Between a Rock and a Hard Place[5] The Implausibility of Metabolic Cycles on the Prebiotic Earth[6] In Praise of Error.[7] Albert Einstein - Facts & Summary - HISTORY.com
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Flipkart and Myntra have shut down their mobile websites and want users to download their apps. Is this a good move or bad move?
The number of internet users in India has crossed 300 Million with an impressive y-o-y growth of 32% (IAMAI, January 2015). With the cost of owning a smartphone with 3G and 4G data options and Wi-Fi access around us reducing drastically, Indian mobile users are set to be the next signNow set of connected “customers”.The next billion people coming online will experience the internet for the first time through a small device they carry in their pocket — their smartphone.The changing technology landscape is a great opportunity for retail brands to customise and personalise the experience for their users. From a brand’s point of view, once the customer downloads an app, the app will always be logged in. This will allow the brand to collect user specific data such as recurring purchases, duration of browsing, preferred platform to share information on and so on. Companies will now build their own data analytics competencies to serve its customers better while also supporting their own marketing functions.A native app gives a brand the opportunity to provide user personalization, but at scale.Here is an excellent example of how Flipkart has just about touched the surface with personalisation. I browsed Flipkart looking for a Happiness is bedsheet for our new home. I didn't end up buying it at that point. A day later Flipkart sent me this notificationWell, that was interesting, but I wasn't convinced. So the next day, I got thisNot bad, Flipkart. Not bad at all.I now wanted to see how far Flipkart would go with this, so I held on. 6 days after the first notification, Flipkart sent me another reminder.Honestly, this isn't much. Flipkart could be doing so much more, but this is much better than the unrelated offer notifications I receive from Food ordering apps, or from the complete radio silence I see from Flipkart’s competitors.A native app presents an opportunity to create customisation, personalisation, relevance and brand identity.SMS and push notifications have eight times higher response from consumers compared to emails. Thus sending relevant and targeted push notifications would not only have higher response rates for the brand but also improve the shopping experience for the customer.Here is how Flipkart can #win because of going nativeBuild expectation: Prior to downloading the app, the user has certain perceptions about Flipkart. It is also possible that she has had a positive experience with them and hence chose to allow them “space” on her phone. How Flipkart interacts with its customers once they download the app can help them set expectations.Push Notification: This is the most obvious feature to be on the list. Engagement will be higher if your push notifications are within a context that your customers expect from you. Item in the wishlist is cheaper, notify the user. Package has left warehouse, signNowed port, out for delivery, notify.Feedback: Remember asking people for feedback and not receiving any? Well, it doesn't have to be like that anymore. When you are pushing notifications to your customer, they should be able to communicate with you too. This has two benefits; first, customers can chat with the merchant and seek details / discounts etc like PayTM does and secondly, its one step of feedback before customers go to the play store and leave a down vote or uninstall the app.“The world is now awash in data and we can see consumers in a lot clearer ways.”Max Levchin, PayPal co-founderData mining: The sheer amount of data that Flipkart can get from its customers downloading its app is enormous. It's not the data that's important, it’s what they do with it that is. Study campaign open rates. Study the device types. Use data for customer segmentation. For e.g. A user with an iPhone is more likely to spend than a “value” Samsung Galaxy user, add this to your recommendation engine and tailor suggestions.Engagement: Study interactions, open rates, activity patterns and map them over time. An app is a strong medium to send / show relevant materials and keep engagement highReengagement: The ability to “get in” and bring back lost customers rises exponentially when your brand occupies real estate on your customer’s phone.Voice search: Amazon realises the importance of voice search and built a device around it, called Echo. Google does this too with its google app. There is no reason this can't be clubbed into your e-commerce appLocation: Ask the user for permission to access her location. This can help you pre-fill her addresses for delivery. It can also help you customise your notifications, for e.g. at 1 p.m. you can send a geo-targeted notification to everyone who is within a 5 mile radius of a particular McDonald’s informing them of a special lunch coupon code to be redeemed in-store. You could also notify a user of the arrival of their delivery package and check the delivery boy’s location as well as share yours with him.Language packs: One of the simplest forms of customer delight is the ability to use an app in one's own language! Apps let you build language packs into your app so every user, can use the app in a language that is native to them. For e.g. Check out Wholesale Living on iTunes or Android— the app will auto -detect the language on your phone and will customise itself accordingly.Reminders: Just like alarms, but set by the brand. Drop your customer a reminder when there is an item left in cart, or the yoga class they signed up for is about to start or when their Uber is arriving.Lists: You know what your client shops for often, now go help them make lists. Let customers make lists of items they need, have, want and so on. Then help them fulfill those lists. Win-winAutomated Delivery: You know what your customers are buying, you know how much of it they are buying and you also know how often they are buying. Why don't you go ahead and let them automate their orders! For e.g. If you know Joe buys 1 kg of washing powder every 25 days, notify him after 20 days asking him if he wants you to[ up his washing powder.Automated 2 step payments: One of the biggest concerns of people shopping online is Security. Various payment providers now offer 2 Factor Authentication, which could be in the form of a pre-set password or a One Time Password which is sent to you via SMS. Use a solution like Juspay and auto detect the password sent via SMS! Second factor authentication done without any effort from the user!Offline functionality: Very often people end up in dead spots with no internet connectivity. Your app is loaded on your customer’s phone. Let her add her items to cart and prepare her order. Ping her to process her order and pay once her phone regains internet connectivity.Personalise: Perhaps the most important differentiation a native app can bring to your business is the ability to personalise what your customer sees when she opens your app, based on tracking what she likes/dislikes and so on. Feature relevant products, bring up recommendations and so show offers on categories that she is likely to shop from.These are just the tip of the iceberg and I hope to see some innovative use cases coming up in 2015.As of now I highly recommend you download your shopping app for a better, faster, seamless and more personalised shopping experience.Originally published at Insights.Apptuse.com
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What are the best tools for a web developer?
21 Platforms That Serve As A Lifeline To Web DevelopersOriginally Published at - LambdaTestWeb development is constantly evolving at an astounding pace every single day. It poses a huge challenge to keep a track of new tools, libraries, frameworks, and plugins, platforms for web developers that are flooding in this sphere. Web development involves an intricate cycle of 5 complex stages namely -information gathering, planning and design, development, testing and delivery and finally project maintenance. To handle all these stages is a harrowing and daunting task even for a skilled developer on their own. This is why I have curated this list of 21 essential platforms for web developers to help them speed up their productivity and maintain an efficient workflow.· Information Gathering And Organizing:In my opinion, the very first requirement for any web developer is to gather information about the website. To realize the purpose, the designs, templates to be implemented, intended audience and main objectives. Gathering information and having the accessibility across platform provides convenience. After all, unlike your phone, you can’t carry a pen and paper everywhere and every time. Following platforms for web developers will replace their conventional way of taking notes.o MilanoteThis web-app provides content organizing functionalities, across platforms. Along with predefined templates and inspirations from brand designers, marketers, developer, and engineers, this web-app also provides a variety of utility tools for note-taking, planning and sharing boards, with drag and drop interface. Sign up for free and get access to 100 notes, images, links and uploads. For larger projects, check out their pro-membership plan.o Microsoft OneNote:A professional computer program for note-taking, information gathering, and sharing, also for collaborations. It allows parallel editing of documents which are uploaded on OneDrive or DropBox.· Join A community, Help and Be Helped:Communities are powerful platforms for web developers around the globe to connect, innovate ideas, clear doubts and queries related to web development. Joining virtual communities regarding specific domains and having discussions, providing suggestions can aid in getting more exposure and improvised work. Here are some renowned communities that helped me increase my everyday productivity and wisdom: –o Stack Overflow:A global community for all software developers where they can connect, communicate and hunt careers. For job seekers, there is a dedicated section which includes job vacancies and unique feature called Salary Calculator, which lets you know your worth. Along with a variety of programming languages, you can search for various tags on the website’s search engine.o Hashnode:Another website where developers can communicate regarding different topics, including various programming languages like Java, PHP, Javascript etc. Here, you can learn, share and discuss all kinds of queries regarding software development.· Code Editors:In order to keep your programs manageable and neat, code editors have proven to be great platform for web developers. They enable users to speed up coding, simplifying their workflow, and furthermore productivity. Source code editors can be standalone or built in a web-browser or IDE. Listing a few code editors, tailor-made for our web-developer community:o VSCode:A free of cost open source code editor developed by Microsoft, downloadable on Linux, Microsoft Windows, and macOS. It supports a variety of features including code refactoring, syntax highlighting, customizing and intelligent code completion.o Brackets:Created by signNow systems, Bracket is an open source editor with diverse features including live preview, extensibility, quick docs, and JsLint. This cost-free program sports a unique “Quick Edit” feature which is enabled by pressing Ctrl/Cmd and E keys simultaneously and allows in-line CSS editing. Click here to browse and upload the registry of extensions.· Beautify Your Piece Of Code:For improved understandability code optimizers or code beautifiers, are a go-to platforms for web developers. If you ever want to deobfuscate, minify or beautify few chunks of code, take a look at below websites which are easily accessible across browsers, free of cost simple to use, and no downloads required!o Code Beautify:Code Beautify is a code optimizing tool with a manifold of tools, check out the footer of its homepage (https://codebeautify.org/). Tools like converters, string utilities, validators, escape unescape, program editors and viewers are accessible on this website. Web Viewer/Editor allows the user to load URL, edit, validate, minify, beautify and download code lines.o Minify:Enables the user to minify short piece of Javascript and CSS codes with one click. Just enter the code inside the given placeholder on its homepage, select type – JS or CSS and hit Minify.· Free Logos:Logos are your identity on the internet, it is how your brand will be recognized in the market. Below mentioned are my personal favourites:o Renderforest:Renderforest online free logo maker will help you create your own professional logo in just 2 minutes. No need to have design skills anymore. There are more than 20.000 unique artwork files available. All you need to do is just pick your favorite, try different styles, customize the color, size and font, then click on export and viola! Your brand new logo is ready to be the face of your business.o LogoMakrLogoMakr is another free tool for creating logos. Provides a variety of 100+ fonts and icons to choose from! You can create your desired logo with real pace and can conveniently download it in your computer, once it is complete!· Eye-Catching Vectors:The heart of the web development life cycle lies with the design of a website. Vectors are must as a platform for web developers. Not only do they enhance the websites but also makes it more user interactive.o FreepikFreepik is a search engine to help you detect free vectors, PSD, photos, and icons. Freepik provides a curated selection of high-quality illustrations and graphics resources handpicked by their design team for aiding the end user.o VecteezyVecteezy is also one of my favourites for finding vector art. They are focused on providing fresh design from all parts of the internet. Providing free to download vectors, Vecteezy serves as a lifeline for freelance web developers.· Showcase your work, Use Mockup Tools:Mockups are basically prototypes or a model of a design or product; used for promotion, demonstration or things like design verification. In order to save time and effort, there are tons of platforms for web developer for designing mockups for different devices and websites, online on the internet. Web-developers can checkout following mockup and wireframe tools for cross-platform testing of their websites:o MockUPhone:A free tool which provides wireframes for cross platform. Androids, iPhones, Windows Phones, Laptops/PCs and tablets, developers can easily upload their design and have a mockup for all these devices. An option “Request your device” is also presented for the user to enter their specific preferences.o Balsamiq Mockups:Balsamiq is a wireframing tool which personifies the experience of using a whiteboard. With “what you see is what you get” drag and drop editor and automatic alignment feature, the tool provides a swift experience. Balsamiq comes at different prices- $9/month for 2 projects, up to $199/mo for 20 projects. A 30-day free trial is also available.Check out 27 Web UI Mockup Tools for more.· Perfect (Free) clicks and shots:Before getting professional about my websites, long ago I used to think Google Images is the only way to download images- no copyright issues and no credits. And for excellent quality pictures maybe I should get a camera and click it myself, or maybe hire somebody. But that’s not how millions of websites develop. Free images are a boon to web-developers, and trust me there are many websites who offers a platform for web developers download high-quality stock images:o Unsplash:Free stock images with more than 10 different collections and 1000s of pictures easily downloadable without any registration.o PexelsAvailable on iOS, Android, Mac OS, window, also plugins for WordPress, Chrome and Microsoft Office, this tool provides high-quality pictures for download at zero cost. The user can find any picture, just by using the search box provided on their website.o Is Your Website Compatible? Check the responsiveness:So there was this one time, I had developed a beautiful website with schematic vectors and logos. It was a blogging website with amazing pictures, everything was aligned and well sorted. I had a beautiful connection with it; even the mockups seemed perfect. I submitted my work to the production team, and 5 minutes later it was rejected. Why? because my website had a scrambled view on Samsung Galaxy S running on older version of Android. I mean, get an update maybe? Since then, I have come across a few responsive testing platforms to test my websites across different operating systems and devices:o Responsinator:A free to use tool where you can check the responsiveness of your website for the latest devices. Check responsiveness on their homepage for 4-5 devices or append your web URL http://www.responsinator.com/?url=YOURURL.COM example, http://www.responsinator.com/?ur.... Log in for access to more devices.o LambdaTestA cross browser testing tool that will help you ensure that your UI is supported and rendered across various browsers, OS, and devices. LambdaTest provides a feature for responsive testing in which you could test your website across 46 different devices in a single test session. Other than that, their smart testing feature would help you to automate visual UI testing so the difference between numerous screenshots of your webpage is easily highlighted. LambdaTest offers 2000+ browsers and browser versions for you to test your website. You can even perform live, interactive testing by hosting your website on a VM(virtual machine) running on LambdaTest’s cloud server.o Design Modo:Apart from other features like email template maker, Design Modo offers responsive web design testing. Click here to get there, and test your website on various smartphones, laptop models and desktops. However, it lacks emulating the actual look of the device; it displays all functionalities at approximate dimensions.o Rely On Website Builders When Short On Deadline:Website builders are a blessing to the web developer community. As the name suggests these browser-based platforms for web developers helps to fast-track their effort for designing a website, with a few drag and drops. In order to deliver fast projects, web-designers can rely upon these free and simple to use websites if your deadline is closer than your bandwidth.o UcraftThis website builder free website hosting and free landing page. Apart from tons of templates and wireframes which can be used to build a website at Ucraft the user can also create all-in-one e-commerce platform supporting fast and secure payment gateway.o WixA free website builder that allows the user to create HTML5 websites with 100s of templates and other features. Creating websites that are optimized for every device, is quite simple using drag-drop functionality.That was all from my end. If there is any platform that you feel is missing out in this list then let me know in the comment section. Cheers to web developers!
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Is life at Goldman Sachs really bad?
Originally answered - Shilpi Roy's answer to Should I choose signNow or Goldman Sachs (India)?The answer is gonna be really long. Grab some snacks as it could take a while.I was the happiest person the day I was selected as a FTE (tech analyst position) at GS - a reputed fin-tech company which mostly hires tier-1 students, a dream for many. I heard from many people that GS offers package as high as 32lpa which was quite a big deal for me - or for anyone who might have been at my place.Then came the HR’s call. She offered me semester long internship in GS! I was glad that I don’t have to spend my last semester in college and will also earn some money. With the stipend as high as 75k and stay at Hilton hotel during intern, anybody is likely to go crazy and say “YES”.And so I did.The beginning (GS-Bengaluru office)Soon came 7th January. Day started off with amazing orientation and office visit. Then came the lunch buddy - GS assigns a buddy from your department to have lunch with you the day you join, let’s say he was Raghav (name changed).Raghav seemed to be a really smart guy. I asked him a few questions about GS being a fin-tech, is it easy to switch and other questions. He seemed to be out of place, not interested. A guy came who was an intern in a team in which Raghav used to work. He kept talking and giggling with him, completely ignoring my presence. Cool, maybe Raghav is a bad guy - who cares?Met with my manager and two other interns who were in the same department - GIR. He seemed like a chilled-out and thoughtful person. Let’s call him Rudra.Our whole department used to sit in a middle sized cabin which accommodated around 32–35 employees of GIR. My happiness knew no bounds! Great team, small cabin and friendly manager - what else could I ask for?Then came the next day. We were introduced to our team and had a lunch together. Oh no! Lunch here was not free - no big deal. Only 80rs/- per plate is affordable when you earn 75k per month, I thought.After having lunch, we began installing softwares required. Wait, you can’t install some softwares without manager’s permission. Fine! I messaged my manager and he granted the permission. He came later in the evening and gave 3 of us an interesting machine learning problem to solve - in a week, till we get our projects.He had three projects in mind, and he left it for us to decide which one we want to take. I took the one which I thought was more impactful and cool, also because we had a member of our team working for the project. My task was to integrate the backend stuff he wrote with the UI I was going to create. Also to help him with some of those backend stuffs later on.“You can take help from Varun, in case you need” said Rudra.So it began!1st MonthI started learning React.js for the UI I was going to implement from various websites. There were tons of tutorial there. After understanding some theory, I clicked on ‘try it on codepen’ - online editor.“You are restricted from using an external website - no permissions”What? I can’t even use some online editor. Okay that’s fine - we have pretty sensitive data in GS. Since it’s a finance based company, we have client data with us and user may copy and paste it online - someone might steal the data! All this made sense. ‘It’s fine, I’ll bring my own laptop tommorow’, I thought before leaving.I could see two teammates standing behind me from my peripheral vision. One who was writing the backend stuff for the project I was working upon, let’s call him Varun.Varun was a silent and sober guy - a hardworking one who speaks only when required. Another guy standing beside him was Raghav.“Hey!” I said in a low tone.“Did I do some crime? Why are these two here?” I wondered.“You brought your personal laptop, is everything fine here?” they asked.I told them about the restrictions. Raghav took my work PC and sent Rudra, my manager a request to approve codepen.I waited. One hour. Two hours. Codepen still not working. Fine for me since I have my own laptop. No worries.After 2 weeks Varun called me and started assigning tasks to do for the UI. I was full of enthusiasm and paid full attention to what he wanted. I started looking out for the cool libraries out there and found - material-ui.‘Perfect!’ I exclaimed.Started with the tasks, and was able to achieve the target next evening. It looked damn good! Varun will be happy. And so, I showed it to him.“Okay, font-size is a bit huge. And please change the app’s name - ELEGANT USER’S APP” (name changed). And so I did.“E-L-E-G-E-N-T U-S-E-R—S A-P-P”What a funny name, I thought. (The real one was funnier than the changed one)So days went, 1..2…3 and I completed 5–6 tasks. The basic UI (20%) was done. Then came Varun -“Shilpi, you did this using which library?”“Material-ui! It’s really good and..”“Okay, but make sure you can use it. Only specific libraries can be used at GS. Search xyz site and ensure if we can use it. If yes, proceed. Else use GS UI library”What did he just say. I worked on the UI for 2 weeks, and he is telling me now that I may not be able to use the material-ui library! No way..With my heart beating fast, I typed..X..Y….Z …..gs..comCtrl+F“M-A——T-E—-R—I—A”Boom! It’s there. I was delighted :)The next day I was late. I saw a message pop up. It was from Raghav.“Hey” it said.“Hey” I replied.“Please try to attend the daily standup. If you don’t, mail Rudra about your update :)” He replied.There hasn’t been a single day I was late. But okay, FINE.Then came the 5th day - friday. I got a message from Varun.‘Hi Shilpi, can you make another UI using GS-UI?’Oh No!. Again?.‘Just for the feel…we’ll show it to Rudra next week, he’ll choose which one we can use’*Slow Claps*Well played Varun. Why did he approve the material-ui one if he wanted it in GS-UI - I wondered.It’s fine, I can do it. I encouraged myself and went to the internal site - gs-ui-library. (name changed)Okay, fine. This looks good. Okay. Cool. Documentation.. documentation….uhmm.I searched for the whole day, no documentation. Just few codes and examples to understand how to display some component.Way uglier than material-ui - I thought. And a minute later, an evil idea came to my mind..“What if I make the UI using gs-ui-library so ugly that Rudra and Varun both reject! That would be great!”The next week on friday, I was done with gs-ui-library. My code was asked to be removed from codesandbox by Varun - it’s illegal to put GS’s internal code there. I could hear Rudra laughing about how he is afraid of the interns bringing personal laptops here, and what will happen if someone names a variable as “GIR” and put it on github.I showed Rudra the material-ui one. He was impressed.“This looks good! But don’t keep the name as ‘ ELEGANT USERS APP’, instead keep it as ‘THE USERS SEARCH APP’ ” (name changed)“But Rudra, Varun has asked me to..”“I will ask him. We will decide and tell you”Fine. Keep the name as ‘The bla-bla app’. I don’t care.Varun was already gone by the time.I smirked. I won’t show the UI I made using gs-ui-library to Rudra!Next day Varun was on my desk. He asked whether I showed both the UI’s.“No, actually I forgot to show the other..”“See, the people above us will probably ask why we didn’t use GS-UI. That’s why I am saying so. I have no problem with material-ui. Just ask Rudra if he is fine with it. Rudra…”“Yes, Varun” replied Rudra.And then he showed both the UI’s to him. The ugly one. The good one.“I think it looks great - the ‘gs-ui-library’ one!” Rudra exclaimed.I shouted in my mind - “How can he..!”“See Shilpi, we don’t have any problem using material-ui one but the people for whom we are making the app will ask why we didn’t use the internal-gs library. Okay, tell me one thing - it does have all the components you require, right?”“Yes, Rudra” I sighed.“Seems like Shilpi wanted to use material-ui, haha” Rudra giggled and looked at Varun. I could hear the giggling from one if the two interns from behind - Tejas (name changed).He was also working on a UI, along with some backend stuff. He was using ‘gs-ui-library’ from day one. And so, he giggled.Rudra -1 .. Shilpi - 0This was the first time I went home feeling sad. Why didn’t they tell me 2 weeks ago? Now I will have to work on the other one. And the library has no documentation.Next week , Varun decided to keep the name as “ELEGENT-USERS-APP”. He refused Rudra.Varun -1.. Rudra- 0So I went back to my desk and began.“g-s-u-i-l-i-b-r-a-r-y” I typed.Gs-ui-library was a really terrible library. No documentation, made by mixture of other available libraries online. It was like an accidental product of some cross-breeding. A scientific failure.Anyways, I somehow learnt basic features which I could implement using the library. On the other hand, my machine was damn slow - for a reason I didn’t know.“Why are you using vs code? How did you get it!” asked Rudra who saw me coding on vscode.“I like it- it’s really good for react. Installed it from the store.”“Haha, use intellij, okay!” Rudra said in a serious tone.Wow. After making me work with the gs-ui-library, now he is snatching away the editor I love. Cool.I still continued with vs code. Varun was totally fine with it.I went to drink a glass of water. Didn’t bring my bottle that day. So took a ‘visitor’s cup’ from inside the drawers.“Ma’am, you can’t drink in that. It’s only for visitors” said a staff guy who saw that I was about to drink water from the visitor’s cup.I looked at him in shock.“Oh, it’s ok for today you can use it..Ma’am” he replied.Great. Block websites - facebook, gmail, codepen. Take my material-ui away. Don’t allow me to use vs-code. And also, don’t let me drink water at peace!I was pissed off. Huh!2nd MonthSo I started working on the integration part. Meanwhile we used to have meetings in which we were told about GIR and it’s functions. Rudra used to tell us about how fun the NAPA training is going to be, and how we will start hiding our id cards after the event.I completed the integration part in a week or so. Gave a weekly demo to Rudra.Next week was going to be a demo with Monica’s team (name changed). The finance guys for whom we were building the ‘ELEGANT USERS APP’. Varun was happy that I had completed the integration part and added 2 more features to implement.- feature1 & feature2Before the demo, we had a meeting with Monica just a week before. Rudra, Varun and I gathered in a room.“So Shilpi, how’s the work going? Are you liking it - the UI stuff? Aren’t you bored?” Rudra asked.“Hehe.. Actually yeah it’s a little boring. I hope backend stuff starts soon!” I honestly replied.“You know UI people make the most money.” Rudra smirked.“No, that’s a lie. Backend people make more money.” I replied.“Shilpi, that’s the case of technical firms. In financial firms like us, UI people earn more bonus.” said Varun.Soon came Monica. Varun and Monica proceeded on what she wants and what actually we have. It was a debate between them and I listened.Since the lunch time was over, Rudra and I went to the food-court outside to have one.“Shilpi, you know I was like you. The silent guy in the room. If someone else was at your place he would have asked a lot of questions! ”“I think it’s better to listen Rudra, than argue. I didn’t have much idea about what they were talking and the talk was mostly concerning Varun.”“See..it’s good very good. But to be at a place like GS…you know! The world is very mean, Shilpi. You need to speak more than you do work here! Many people don’t know much but they’ll get ahead of you because they speak. I was like you when I joined GS. In the group discussion round, when everyone was debating.. I just sat at the corner. HR came and asked each of us individually. If she hadn’t done that, I mayn’t be sitting here today”I gave it some thought. He was right.Some days later feature1 stopped working. I had no idea why, I was using an excellent library for feature1, of-course an external one. Varun himself has asked me to use an external for that case since we don’t have a gs library for that.But now. It wasn’t working.It took me a week to include the library - react-bootstrap-table2 with the project along with the features it had, and use it. And some magic happened. Now feature1 stops working. Damn!I woke up the whole night - till 4 am to make the feature1 work. The remote desktop worked very slow. In GS, we are not given laptops for security purposes. So we have to use remote desktop.It was damn slow but I was patient. I kept on trying and trying till I fell asleep early in the morning. Woke up around 12.An hour before demo with Monica’s team, I told Varun about it. He said it’s fine, we will show the demo without it.Tik…tikk….I wasn’t satisfied. I worked damn hard for 45 min and was able to make feature1 work!We went to give the demo. Varun pulled out a chair and sat before a PC.“Hi Monica!”“Hey Varun!”And so it started. The demo. The UI I made. The features I implemented. The integration. My two month’s hard work.All of them was presented by our VP, Mr.Varun!“Uhm…but we don’t need feature 1 and 2, Varun. You can remove it” said Monica.W-H-A-T! What did she just say. I went an hour back in time.I am sweating. I can feel I am nervous. This has to go good. I know well about the project, and I will make the feature-1 work! I will!Yes, I did. Only to lose the presentation as well as the feature.I rushed out of the room with the unhappy face which no one bothered about in the meeting room. I was silent and in hurry, it was weekly demo too today.“Haashh.. It went great!” exclaimed Varun who barely ever talked to me. Since like 1962!“Okay, but we have a weekly demo too!”The weekly demo got cancelled. Varun proceeded to tell me how we don’t need feature-1 and all the new features which Monica wanted. I remembered them all. One of them was a feature-X which was not possible technically. I tried making Varun understand and he did, after quite a while.Then came the mid-semester exam and I finally got a break!3rd MonthI went to my home after holidays. After 2 months, 1,40,000 was credited to my account. I bought clothes for mom and dad. I was delighted and ready to go back!Came back to office happily. Compiled the code.React-bootstrap-table2 library code - gone. Whole UI code changed in a week. My 2 week’s effort - 1 week for the library and 2 nd for other features went to ashes.Just in ONE SINGLE WEEK.~Varun committed the code 2 hours ago~~Varun committed the code yesterday~~Varun….~And so on.Varun started using an internal gs-ui-library library instead of react-bootstrap-table2. Instead of giving proper review comments, he changed my code by himself. Some backend stuff also came to me.I fetched the code from repo, the one Varun had implemented. And tried to understand.“You just have to implement feature-b-xyz, no need to go through whole code” he said.Fine.I added a new feature. Compiled and checked. Everything was working fine. Committed the code.Next day I came. Compiled the code.‘EXCEPTION THROWN’‘FAILED’And my PC hangs. For no reason why.I checked the code - it was changed. The integration part was changed. Feature XYZ was changed. And it stopped working.~Varun committed the code an hour ago~Why did he commit a code that fails? I wondered.This started happening daily. I had no idea why was this happening.The next series of days started with me coming late - 11:50, 12 or later than that. I used to mail Rudra about the update. Sometimes I was able to attend standup, sometime I wasn’t able to. My health started deteriorating.Everyday, Varun used to commit some changes. And it took a hell lot of time to update the project in intellij, go through his changes and do other changes. I was pretty much frustrated.Took 2 wfhs in 2 weeks. Logged in late many times. Had to push myself from bed everyday. Devoted my time to video games than gs work. Lost interest.Then I was given some backend part. I took WFH a day I wasn’t feeling well and learnt about apis stuff. Still some part of me wanted to do well and take interest in the work genuinely.We - all 3 interns received a mail from Rudra which we could never forget. Rudra had showed his ‘Rudra’ roop. The mail said -“You guys are not taking the work seriously. WFHs are not to be taken for granted. So many WFHs and late loggings. Not at all serious about your work. You guys need to have deliverables by the end of this month.I don’t care, work for your career not mine.”I was shocked. The friendly, giggling Rudra! I remembered the first time I met him. And the mail was quite a shock to all of us.Late loggings were targeted at me.WFHs for another one.But… Tejas? What did he do?As far as I remember, he was a hard working guy. Always on time. Never missed a standup. What did he do to receive the mail?Days after that, Varun took four wfhs in a row. Rudra was quiet. Nisha only came like twice in a week, Rudra said nothing.Why us? Why the interns? I wondered.One day I stayed at office till 8pm. I could hear Rudra talking about ‘The Elegant User’s App’ over a phone call.“We are building it again since the last UI was in angular. We wanted it in React.” he said to somebody over the call.Throughout my whole intern, I had one doubt in my mind.The app on which I was working upon was already built by someone and was functional too. But my manager wanted it to be built again since he wanted us to use a new technology.What’s the difference even if angular was used? What’s the need of rebuilding the app again from scratch? I wondered.And the next words I heard shattered me.“Yeah, Varun is working with some intern on ‘The Elegant User’s App’.”What did he say?The last two months were fully devoted to the UI. I went back in time.“Shilpi, if you want any help - Varun would be able to for this project.I was made to believe that it was an independent project, which it never was. I worked my ass off for three months only to hear that I am ‘some intern’ working under Varun and helping him building the UI.I got depressed.It was Holi’s festival - the festival of colours. I never really celebrated holi, hated to be coloured all over. We had a group for our department, and I wished everyone a “Happy Holi!”.Tejas replied with a “Happy holi” too.“Happy Forest Day” - stated an image I received on whatsapp. It was from Rudra. On the whatsapp group. This was his reply for “Happy Holi”.It's okay, don't respect our festival. But atleast don't disrespect it. Why was there even a need for reply?Needless to say, I didn’t go to office that day as sign of rebel (we didn’t have holiday on holi). Varun was already doing WFH. The “Happy Forest Day” frustrated me.Why Rudra why. You are better than that.“Niharika (name changed) is leaving GS” somebody whispered.Niharika, a very smart lady was in our department. She was mentoring an intern and sounded quite knowledgeable. Her sudden decision of leaving GS came as a shock to everyone.I had a last chat with her only when everyone was away for lunch. She had refused her farewell too I guess. She came to me and we had a decent chat. I asked her the reason of leaving. She wanted to switch the team maybe but it was taking a long time. Sweet and smart is all I could say for her. She had done work with JPMC & Morgan Stanley (US) and held a green card. A dedicated worker.After the lunch, she had a long meeting with Rudra. She was too firm with her decision.After she left, someone told me she bitched about many people in the team - specially Rudra. I was really sad. GS lost a good employee that day. And maybe, due to politics.Next day, GS was having an orientation for all new campus hires. It was one hell of a day. World-class hotel stay and world-class orientation.Varun was going out to the new office for 2 weeks. For some work.4th monthBefore Varun had left for the new office, he had asked me to attend telephonic standups for our team from 3–3:30. Now I used to attend 2 standups - the department one, and the team one. Full time waste activities!He had also asked me to get details of a task from Raghav and get it completed. I messaged him and he said he will be there at my desk in 5 min. Well, he never came. I asked him 2–3 times more to which he sent me a random link. I was disheartened and had nothing to do for 2 weeks.One day Rudra called me to fix some errors which he wasn’t able to fix by himself. He said he spent the whole night trying to fix those but didn’t know how to.I came to his desk. Those were linting errors!After having 10 years of experience, and you don’t even know what they are! Even if you know, please try to google. He was not getting what those line numbers represent. I explained him everything and fixed those.Soon, we got mails from hr regarding our joining dates and NAPA training, which is held in New York. I told the HR about my case, that I have courses left in college and I won’t be able to join on 3rd june.“Can I go to the training and join later after 12th july - when my courses are done” I asked.“No, you need to join as FTE. We will process your visa in june and you’ll go during july first week”“Okay” I replied.“Try to make your college understand, it’s important” is all she said.Next day, I refused. My college will never agree for me to take 2 week vacation during summer term.Rudra received a call from HR. I knew it was regarding me.He took me outside the cabin and asked why did I opted out of NAPA training. I told him everything - how my degree would be affected. He was ready to give WFH for 2 months. I was shocked. Again.Rudra was the most unpredictable mysterious guy I ever met. He was good and bad, at the same time. 2 months is a long time - and he agreed to give me WFH! He earned my respect.Then there was second meeting with Rudra. He told me everything - the work I’ll do as an FTE. Also, he never left a single moment he could get to brag about himself.“You will be working under Varun. He will be the team lead. Your work is XYZ-AHSH-PPOS…..”“Be as mature as me. I can make complex things simple easily. Learn it from me.” he said.Varun. No!!The silent guy. Who took away all the presentations. Even during our team standups over calls, he used to answer when some guy asked me about the project. My code was changed everyday. All the torture I faced last month. And now- I’ll be working under him. Wow.I told Rudra - how my code was changed everyday, how I was not told about the changes Varun did in the backend and still expected my code would run successfully. He listened to me for a while and then said -“When I was a NAPA, I used to ensure that I get 0 review comments”“I don’t get review comments, Rudra. My code gets changed, and it’s hard to understand it everyday without help of Varun.”“It’s a good thing, right? You will learn something from what the change he does. It’s good for you.”Cool. I have to look at the new code and somehow “learn without doing”. Interesting.I worked till 9 pm that day. Before Rudra left, he smiled at me sarcastically.“Shilpi, still working?”“Yeah Rudra, I came little late today.”“Varun changing your code and you changing his code.!”“Yes. That’s what is happening.”And then, he laughed maniacally.This was not the first time he did this. He used to laugh at me sarcastically many times after giving me the UI project.Next week, Varun was here. My virtual desktop was not working and I had no idea why. Called help-desk 5 times that day.“REBOOT!”“TRY IT FROM A DIFFERENT MACHINE!”“IT SHOWS ‘AVAILABLE’ ON MY MACHINE!”was all the response I got from 5 different help-desk-assistants.Took a day off the next day. Saw a mail. Varun had given presentation to our MD that day. UI presentation, which was supposed to be given by me.Next week, same schedule. Help-desk people failed miserably.I tried remote desktop and was able to open my outlook. My inbox was full of -“DISK CAPACITY OVER 95%! CLEAN IT!”I got it. But in order to clean it, I had to login to the virtual computer which I wasn’t able to. It was a deadlock.Soon I was assigned a new virtual computer. My whole local setup - was erased.My whole enthusiasm had turned to ashes at that point. Came late, went early. Stopped attending stand-ups. Late Loggings. WFHs. OOO. No updates. No weekly updates. Nothing to do next since Raghav didn’t help. Frustrated as hell.Our department was hiring more and more people. I had nowhere to sit. No one to talk to.The only friend I had in bengaluru left 2 weeks ago.Please note that I’ve nothing against GS. The management there is really good, they care about their employees. I don’t think any company could’ve given me 2 months WFH and I do respect Rudra a lot for that!The experience may vary from person to person, someone may find GS a very good place, based on the traits he/she has or the team he is working with. But for a shy person like me, who loves to code sitting at the corner of the room - GS is not the place. It was me who was not able to adapt to the culture there.This answer was written by me when I was still an intern. I had no idea what this could do to my life.Next day after I wrote this, I was called by the Head HR of Employee Relations in GS - Devika. I thought she had called me in order to discuss why am I choosing signNow over Goldman but this wasn’t the case.“I read your answer on Quora about Goldman..”“I’ll remove it!” I replied with the speed of light.“No..I don’t want you to take it down, Just tell me the issues you had”And she pretended to listen. Both of us knew why she called me here - to take the answer down.“See, these days many people are on social media and it is affecting how people see us. Probably, some interns wouldn’t want to work with us after reading the answer. Therefore I want you to remove it”“Also, please remember this meeting is confidential. DO NOT tell anyone from your team about it!” she said just before I left.And that was it. I deleted this answer.I saw Rudra’s text on my whatsapp. He asked whether I have a desk to sit, and when will I signNow on my desk. I knew something was fishy since he never ever bothered about.I finished the work and went home.The next day, I woke up to 10 calls from the HR and lots of messages. I asked what happened.I told her I have already deleted the answer, but there was something else. I wasn’t able to login from home. My remote desktop was taken away from me and I had no idea why.And then, came Monday.13th May 2019The day started off with my phone full of Devika’s texts. She insisted that I directly come to the meeting room first instead of going to the GIR cabin.I went to her cabin where she was sitting. And soon the harassment started.“What was your motive behind putting such kind of answers on quora, tell me what was in your mind”“I am sorry, Devika. I’ve already taken them down.”“Didn’t you knew about the firm’s policy? You knew it very well right? Still you put the experience on Quora?”“I was frustrated. So much that it didn’t occur to me at that time. But yes, I knew it.”She wrote it down on a paper.“You put it on social media, and don’t expect your manager to read it? Wake up! Everyone in your dept knows what you did okay! You are always saying that ‘don’t inform my manager about it’.. you know what, infact Rudra only informed us about this. He was the one who forwarded the answer.”I sighed. He knew about it the whole time. Still acted as friendly on thursday.“You can take action against me if you want to. I can’t say anything else.”“We are a very big firm. Many people are there writing these kind of negative - one sided answers. We don’t care”If she didn’t care, why was I sitting here?“I have talked to both Rudra and Varun. Now I know about their perspectives too. Did you inform your manager that you were on leave? No, you didn’t.”“Yes, I was really depressed and woke up at 5 eve..”“You were completely one-sided in your answer. Such a judgemental answer it was! You never wrote what you did!” she exclaimed.“Devika, I did. I wrote I was depressed and was late for standups. I wrote that I took WFH and..”“That was completely in another way!” she interrupted.And then she gave me a tough look.“I have tracked down your whole information, when do you come and leave, wfh etc. I don’t think it’s too much. You were also 1 hour late on the GS event, I heard”I wasn’t. What was she saying?“No, I was a minute late. You can ask my friend who was sitting there.”“Also, you were absent on 4 presentations Varun gave, right?”I was shocked. What did she just say? I was present in 3 of them, I remembered. Now I felt something was really wrong. Varun probably gave her false information about me.“No, I was there for 3 of them” I replied in a low voice.“And you weren’t allowed to give?” She raised her eyebrows.“I didn’t ask him, neither did he offer.. he just took the chair and..Did Varun said I was absent? I wasn’t!” I defended myself.“Oh yes you weren’t, I know. When did I say you were absent? You are just misunderstanding me” she replied and wrote down some points.And now she started lying too about things she said earlier! I was shocked to the core.“They said bad things about me, didn’t they.” I asked.“No, infact they praised you for technical aspects. ‘She did all her tasks which we assigned.’ ‘Used to find solutions of the problem till the very end.’” she read it from the paper she had.But what about the other aspects? I was sure they had said something worse about me. I wondered what was that except me coming late.“GS-UI-LIBRARY!!” she exclaimed.“This is what you wrote about the library. Seriously!”I looked down. I couldn’t say anything except sorry.“Rudra even let you choose jersey for cricket match, didn’t he?”“Yes he did.” I sighed.“What you think what made your experience bad? Was it yourself? Why put it on social media, and didn’t contact us. What about the HCM?”I was late and silent. The only faults.“Does anybody in your team knows about it?” she asked hoping that nobody knows.“No, just me and the interns.” I replied.“And what did you write? Niharika left because of politics..? Did you talk to her? Who told you?” she almost shouted.“I got to know that from a teammate.” I replied in low tone.“So you will put anything you hear on social media??” she tried to overpower me.“If I were your signNow HR and I read this answer on Quora.. you know I’d have..” Devika scolded in a rude tone.She would have taken my offer back. That’s what she meant.“I have already deleted it , Devika. I said sorry, what else can I do? ” I almost cried.“These things never happened with me at signNow. But people here..”I broke down. Couldn’t speak much.“What even if you deleted? 1000s of people saw it. All the people on your floor saw it. They may have copied it, downloaded it. It had so confidential information!”“And yeah, put this conversation there too!!” She said in a very rude tone.“I won’t. You know I won’t.” I whispered.“Anyways Shilpi, now it’d be too awkward for you to go there. We have already stopped your remote access. We don’t want you to work anymore. Since you’ve already rejected the offer too, no discussion related to it. You can submit the id card to me.”“Okay.”I cried a lot in the cab. Rudra knew it all the time. Why didn’t he himself fire me instead of sending a rude HR. And those two also lied a lot about me. The tone of HR was totally different when I met her on Thursday. And today she was really harassing me.It took me a while to understand - all this was planned by Rudra. He choose the rudest and senior-most HR to deal with my case and harass me, just to get back at me.2 interns were joining today and space was very less in the small GIR cabin. And he knew very well I completed all my work the last week itself. Win-Win situation for Rudra!Varun and Rudra lied to HR. It was evident from the way she treated me. I was made to be feel like a garbage - just because I was late at the office!I cried for an hour. And then, I edited and restored this answer.Next day I came to know none of the interns or people in my team knew about this! I was fired secretly. The HR lied the whole time.All because Rudra didn’t want to see my face in GIR!Do I fear them? Not at all.“I will survive, Tracy thought. I face mine enemies naked, and my courage is my shield.” ― Sidney Sheldon (if tomorrow comes)Many people want me to take this answer down or go anonymous. I have done nothing wrong. Those who have, they should hide their faces behind “anonymous” mask.If GS has some problem with the answer, they are free to take action against me. I am not bonded by any legal agreement and atleast deserved decent exit process.
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How do I make 100k per year?
Tell you what I did. Rather than buy a $40k car I bought two fourplexes that were on the market for $100k each.I was able to close with less than the price of the car. I then financed the car for about $700/month and let the properties pay for it.The properties cost me about $400/month each to finance. They each rented for about $650/unit. Or about $5200/month for 8 units (lets call it $5k/month to cover vacancy)So my fourplexes brought in $5000/month$800 went to financing$700 went to car payment$400 went to property tax$200 went to utilities$400 went to the lady managing the properties (She lived there)That’s $2500/month in costs. Add in some extra mic fees (insurance, repairs, etc.) and I was spending a bit over $3000/monthSo now, rather than buying a $40k car, I financed a $40k car and was making $2,000 a month and got the car for “free” (since my $2000/month was left over after paying the car payment)I kept these properties for about a year. Total income wasn’t quite $2000/month (was more like $20.x for the year, so close). After about a year I sold them for $122k/each. That gave me my $40k back plus another $35k (part of the profit went to closing costs). So more than doubled my money if you count the cash I made while holding.I took that money and bought more properties.Fast forward 8 or so years, and about 1000 units later… $100k/year isn’t hard if you smartly invest in real estate. Should only take you a few years to get that from passive income.
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What are the required documents for passport now?
PASSPORTS(1) While applying for a fresh passport attach two copies of the following documents:(a) Proof of address (attach one of the following):Applicant’s ration card, certificate from Employer of reputed companies on letter head, water /telephone /electricity bill/statement of running bank account/Income Tax Assessment Order /Election Commission ID card, Gas connection Bill, Spouse’s passport copy, parent’s passport copy in case of minors. (NOTE: If any applicant submits only ration card as proof of address, it should be accompanied by one more proof of address out of the above categories).(b) Proof of Date of Birth (attach one of the following):Birth certificate issued by a Municipal Authority or district office of the Registrar of Births & Deaths;Date of birth certificate from the school last attended by the applicant or any other recognized educational institution; or an Affidavit sworn before a Magistrate/Notary stating date/place of birth as per the specimen in ANNEXURE ‘A’ by illiterate or semi-illiterate applicants.N.B.: In the case of applicants born on or after 26.01.89, only Birth Certificate issued by the Municipal Authority or the Office of the Registrar of Births & Deaths is acceptable.(c) Citizenship Document if applicant is a citizen ofIndia by Registration or Naturalization.(d) Government/Public Sector/Statutory body employees should submit “Identity Certificate” in original (ANNEXURE B) along with Standard Affidavit Annexure I.(e) If the applicant is eligible for “ECNR” attach attested copy of supporting document (see COLUMN 15 of the INSTRUCTIONS AND GUIDELINES FOR FILLING UP THE APPLICATION FORM).(f) If the applicant was repatriated at Government cost, enclose documents to show that the expenditure, if any, incurred by the Government of India on his/her repatriation has been fully refunded to the Government of India, Ministry of External Affairs.(g) If the applicant was ever deported toIndia, give details of Emergency Certificate/Passport.(2) When applying for reissue of a passport after 10 years, attach:(a) Old passport in original with self-attested photocopy of its first four and last four pages, including ECR/ECNR page.(b) Document mentioned at (1) (d), if applicable.(c) Document mentioned at (1) (e), if the old passport did not have ECNR stamp or it was issued when the applicant was a minor.(d) If there is any change in address, document mentioned at 1 (a).(e) If the old passport does not contain spouse name, copy of marriage certificate issued by the Registrar of Marriage or affidavitas per specimen in Annexure `D’.(3) When applying for a minor’s passport attach:(a) A Declaration affirming the particulars furnished in the application about the minor child as per ‘Annexure-H (signed by both parents), Annexure “C” (Single parents who are separated but not formally divorced/Single parent of the child born out of wedlock), Annexure “G” (when passport is being applied for by single parent or legal guardian) . Annexure “I” (when a minor between 15-18 years of age applies for a full validity 10 year passport OR in case either parents who do not hold valid Indian passport while applying passport for their minor child), as the case may be.(b) Attested photocopy of passport, if any, of both parents, applicable.(c) Original passports of parents should be presented for verification of particulars.(d) If one parent is resident abroad, a Sworn affidavit by the parent resident abroad attested by the Indian Mission along with affidavit from parent residing inIndiaas well be submitted.N.B.: Ordinarily the consent of both parents is required for issue of a passport to a minor (below 18 years of age). However if it is absolutely not possible due to any reason, the parent applying for a passport for his/her minor child may submit an affidavit (Annexure G) and based on the same passport application will be processed. In case where
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Will China become an innovator?
Yes. Start with the following chart.Innovation is neatly correlated with per capita GDP. That is because for innovation to thrive, you need low borrowing costs, a stable and moderately advanced economy where the risk adjusted returns of doing conventional things are low, consumer sophistication to generate demand for better goods and a conducive business environment. You just need to take a walk down Nanshan's kejiyuan to see how strong China's innovation system is as a subset of it's conventional investment led economy. Consumer sophistication has pushed China's electronics manufacturers to evolve from shanzhai to innovative brands. Chinese firms are investing heavily in R&D. Huawei, Midea, Haier etc compete internationally not on cost but on product quality. The chart also shows you that China is punching way above its weight when it comes to its performance in innovation relative to per capita GDP, that it is already a better innovator than other countries were at a similar level of economic development. Another way to look at innovation in China is to not consider it monolithic. McKinsey identified four key archetypes of innovation and assessed China's performance in each of them. *Revenue share of Chinese companies relative to China's proportion of global GDP. A score more than one shows that the respective cluster of firms have a global share of more than 14 percent. It is clear that Chinese firms have perform really well in efficiency driven and consumer focused innovation. In engineering based innovation, Chinese firms perform well in sectors where government mandated technology transfer helped them in rapid catch up with established players. China lags signNowly in science based innovation. It is perfectly reasonable to make the case that with proper investments and capital accumulation, China will emerge as an innovator in the leagues of say Japan or South Korea in the coming decades. I suggest you read McKinsey Global Institute's China Effect on Global Innovation to read more on innovation in China.The middle income trap is really just a theory based on the growth trajectory of Latin American countries. If you look in disaggregate terms, a lot of areas in China are high income economies. Beijing, Tianjin, Shanghai, Zhejiang and Shenzhen's GDP per capita is more than $22,000. Per capita GDP of Nanshan, Shenzhen's high technology district $49,000, ahead of Hong Kong and several OECD countries. There is no reason to believe that China as a whole will be become stuck in the middle income trap.
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