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FAQs
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What is BYOD and how it can benefit small scale companies?
There are lots of answers by competent reviewers, and anyone reading them will get the right idea about BYOD and its benefits, so I would like to change the aspect of the question a little bit and concentrate on another issue – what software could be the most beneficial for all business professionals who have already become a part of BYOD strategy or switching towards it. I would recommend Document 365 Business by Kdan Mobile. It’s an ultimate, cross-device document solution with tools that will lift your business to a new level, optimize your business environment and let you leverage your productivity in the most efficient way. With Document 365 Business you will be able to:Annotate, review and edit PDFs;View multiple PDFs as tabs;Present a PDF as a slideshow;Attach audio recordings, insert images and add hyperlinks to PDFs;Control the access to the app with a password, Touch ID or face ID;Add password protection to PDFs;Add watermarks:Convert files to and from PDF format;Extract texts from images for further editing with OCR;Store files in 1 Tb Kdan Cloud or any other cloud of your choice;Sign contracts and agreements with e-signatures;Store and manage signatures from within the library;Send faxes from your devicesAll these features will help your business and employees who have adopted the BYOD policy to increase their productivity and workflow.Disclaimer: I am part of Kdan’s team and my answers might be a bit biased.
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What is the difference between a digital signature and an electronic signature in your professional opinion?
Both terms - “electronic signature” and “digital signature” - are often used interchangeably, they aren’t exactly the same. Electronic signatures could be considered virtual representations of a pen-and-paper (“wet”) signatures. Digital signatures, also called cryptographic signatures, are a type of electronic signature that’s coded and encrypted in order to prevent the impersonation of a signee, tampering, and improve security overall.The main difference is that a digital signature is mainly used to secure documents and is authorized by certification authorities while an electronic signature (e-signature, e-sign) is usually associated with a contract where the signer has got the intention to do so: Difference Between Digital Signature and Electronic SignatureE-signature helps an individual to show his agreement to the conditions and terms of an electronic service. It can also be used to confirm the identity of the message's creator. Many countries give the same legal importance and significance to e-signatures as to traditional ways of executing documents. Here are the features of some most popular tools in this area: Best E-Signature Software Reviews & Comparisons | 2019 List of Expert's ChoicesWith electronic signature tools you avoid signing digital documents by hand - which is tedious cause otherwise you need to print, sign and scan all that stuff - that’s why such tools are on the rise. If you work with such signatures often, maybe you need some simple free tool which is specialized exactly for your business tasks. It really depends on the purpose for which you need this to sign an already typed document - it is often better to use a specialized tool, like Draw Your Signature Online and Sign PDF - CreateMySignature.com (instead of a regular image editor) to streamline your business documents workflow.
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What is the best invoicing app for small businesses?
SeisoRidh-Billing Acoounting Softwarefor demo click hereKey Features:Multiple Business/Shops:Set up multiple businesses in the application.No restriction on numbers of businesses.Inventory & accounting information is kept separately for each business.Add Location / Storefronts / Ware House:Create multiple locations for your business/shopManage all of them at the same time.Stocks, Purchases, Sell can be tracked differently for locations.Customize invoice layout, invoice scheme for each locationUser & Role Management:Powerful user and role management systemPredefined roles – Admin & CashierCreate different Roles with permission as per your need.Create unlimited users with different roles.Contacts (Customer & Suppliers):Mark contact as customer or supplier or both(customer & Supplier)View details of transactions with a contact.View total of Credit/Debit balance amountDefine pay term and get payment alerts week before the due date.Products:Manage Single & Variable products.Classify products according to Brands, Category, Sub-Category.Add products having different unitsAdd SKU number or auto-generate SKU number with prefixes.Get stock alerts on low stocks.Save time by auto calculating selling price, the system is smart to auto calculate selling price based on purchase price and profit margin.No need to type variations every time, create variation template and use it everytime you need to create variable products.Purchases:Easily add purchases.Add purchase for different locations.Manage Paid/Due purchases.Get Notified of Due purchases week before the pay date.Add discounts & TaxesSell:Simplified interface for selling productsDefault Walk-In-Customer automatically added to a businessAdd new customer from POS screen.Ajax based selling screen – save reloading time.Mark an invoice for draft or final.Different options for payments.Customize invoice layout and invoice scheme.Manage Expenses:Easily add business expensesCategorise expensesAnalyse expenses based on category and business locations with expenses report.Reports:Purchase & Sale reportTax ReportContact ReportsStock ReportsExpense ReportView Trending Products, drill down by Brands, Category, Sub-category, Units and date rangesOther useful feature:Set currency, timezone, financial year, the profit margin for a business.Translation ready.Predefined barcode sticker settings.Create your barcode sticker settingManage Brands, Tax Rate & Tax groups, Units, Category & Sub-CategoryEasy 3 steps installation.Detailed documentation
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What is a good iPhone invoicing app for a startup marketing company?
Disclaimer: I am the founder of Invoice by Alto.Alto brings desktop-class invoicing and time tracking functionality to mobile devices. The app enables small businesses and freelancers to track billable hours, send estimates and invoices and get paid. Users can choose from five invoice template options to suit their brand images. The Alto Timer companion app makes it possible for users to track billable time on the fly and then bill for it instantly by email. Alto can work for individuals or teams. The app features integration with Stripe, Square and Paypal to make Alto a payment processing app that can collect funds from clients. Integration with Dropbox, Github, and Photos enables the user to reference files, documents, images, code commits and other items needed to support an invoice. AddressBook integration simplifies setup and streamlines the invoicing process. A built-in set of animated visual charts give the user visibility into business statistics.http://www.alto.co
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What is a good free software for keeping track of invoices and expense for a small business?
Hi,Invoicing and expense tracking is one of the biggest aspects of managing a business and its finances. And yet, small business owners make some grave mistakes when it comes to invoicing and they suffer the actions of their consequences.One such mistake is not investing in a robust cloud-based invoicing software which costs less with a pay-as-you-go model.This cloud-based accounting and invoicing software have invoicing features like:Ability to send invoices anywhere you are using any device,Ability to customize invoices and make them look beautiful to wow the customers.Ability to add multiple payment avenues(net banking, debit card, credit card, payment gateways, etc) within the invoices that saves time.Ability to track unpaid invoices and send automated reminders once the due-date is met and the invoices remain unpaid.Ability to send invoices on a recurring basis.Some of the best invoicing, expense management and overall accounting software today are not free but they offer high bang for buck with their features and support. They are listed below:GiddhQuickbooksZoho invoicesProfitbookBearbookSage
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What is the best invoicing software that has a mobile app?
Since last 10 years Spectrum POS is one of the best invoicing software that has a mobile app MOBEX for any retail business. A most innovative invoicing software and complete solution to run your business in a better way at your location. According to latest trends & technology, now latest version of Spectrum POS has changed the features in a better performing way and have added new features for more performance. It offers Invoicing, Inventory, CRM, Payments and E-commerce for your business. This invoicing software mobile app works on any hardware including your mobile phone, tablet or lapto...
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Why did Visa ban iZettle in Finland/ Norway/Denmark? What's the dispute with Visa?
This is a bit of an explosion in a Spaghetti factory, the cause is really simple but the end effect looks confusing and perhaps worse then it actually is. To get to the answer we will have to visit an alphabet soup of acronyms. Blazing A New Trial Is Filled With SetbacksI knew this showdown was coming for quite a while and it was just a matter of time before something happens. Although many will point to a conspiracy the primary basis Visa Europe (not Visa Inc.) is using is a valid reading of the rules.The EMV StandardThe rules I am speaking of are the basis for EMV Certification requirements. EMV [1] stands for Europay, MasterCard and VISA and have established a global standard for inter-operation of IC cards and chip cards. EMV was formed as a way to standardize all the independent protocols that existed up to that point. The premise of EMV was to mitigate fraud by requiring the chip card to be read by an EMV terminal and the card holder entering in a PIN at the time of the transaction. The system is called Chip and PIN and is the central part of a CVM (Cardholder Verification Method) that EMV supports. Chip and PIN replaces Swipe and Sign that is entering in the final years in the US as EMV/NFC will become required. In a perfect world for EMV would have had a world wide adoption at the same time, however this never materialized. Currently there are 8 CVMs recognized under EMV rules:Signature and signature and swipe (mag stripe swipe)Offline plaintext PINOffline enciphered PINOffline plaintext PIN and signatureOffline enciphered PIN and signatureOnline PINNo CVM requiredFail CVM processing"Free" Costs Someone, SomethingThe business model of giving away the payment card reader so that income can be made by merchants using the service is the predominate model used by payment startups today. Thus the final cost of the payment card reader is critically important. If the reader cost pennies the risk exposure to losses from merchants not using the service of the startup payment card processing company is minimal. If the reader cost is in dollars the risk compounds quite quickly. The reality in payment card processing for micro merchants is that many either never use the device, or use it so rarely that it could take years to recoup the cost of the free payment card reader. I can show that the numbers can be as high as 85% of micro merchants that fall in to these two categories. Thus as these payment startups expand they could face the melting ice effect of losing more money to give away free payment card readers as they add more micro merchants. For example in the US Square recently increased its cost to manufacture the Square payment card reader from a few pennies to over $10 final shipped cost [2]. This was prompted by encryption rules for mobile phone card readers that will be made public soon by the Payment Card Industry Council. This rather large increase in the cost to acquire a merchant could have a large impact on revenue growth.The iZettle ProblemThe EMV requirements are enforced by the acquiring Bank and are driven by input from the card associations. The ideal CVM for a EMV transaction when the cardholder is using a fully functioning EMV card is Online PIN. This is where the cardholder presents the card to the EMV reader/PIN pad and scans the card and successfully enters in a PIN.Currently the iZettle card reader does accept EMV cards, however the CVM in use does not allow for a PIN entry. The reason is based on standards, new technology and costs. In the markets affected, to be compliant with all EVM levels of certification, separate PIN entry hardware would be required to collect the PIN and send it through the iOS device or Android device. Currently a non dedicated device using a touch screen for PIN entry is disallowed. Thus to meet the full EMV certification standard iZettle would have to supply an EMV reader and a PIN device. This would raise the costs to perhaps $50 in high quantities. As a startup or and existing profitable company it will never be justified to give a $50 device to a micro merchant. Up to this point iZettle chose to blaze a new trial called Chip and Sign for its system. Under current EMV certifications this is really not specified as the "primary" CVM. This method is a hybrid of the old Swipe and Sign and Chip and PIN. It was a logical compromise for a company that must give away the payment card reader. Using this system actually "raised" the Interchange cost to iZettle to a "Mail Order" / "Failed CVM" transaction.The problem is for any number of reasons Visa Europe (not Visa, Inc.) has ruled that iZettle's CVM was not fully complaint (perhaps using PCI DSS compliance as one reason) and seems not motivated to support it at this point. However MasterCard and Eurocard have provisionally allowed iZettles CVM. Not coincidentally, MasterCard became an iZettle investor recently. This fact may have motivated Visa Europe to take more direct notice of the Chip and Sign CVM used by iZettle but they have been in talks for the last year.Not A Conspiracy This could be bad news for any startup company that wants to move in to markets that use EMV certifications. Some have made allegations that Visa Inc's investment into Square may have motivated this reaction. This seems far from likely, even in an indirect way as this ruling will have a direct impact on Square using Chip and Sign in these markets and will be forced to the same hard choices iZettle faces. Payment Card Startups: Hard ChoicesThis leaves any payment card startup in these markets with a few hard choices:Blaze a new trail and hope for regulation changesProvide a free Chip and Pin smartphone readerTemporally use Swipe and Sign Use a new and unannounced CVMIt seems that many startups will unwisely choose to temporally use Swipe and Sign in these markets. There are dozens of reasons this will not be a good option even in the short term.It seems iZettle will have to move to a Swipe and Sign in the markets impacted or just process MasterCard and Europay, about 65% of the market in the impacted areas. ____1) http://en.wikipedia.org/wiki/EMV2) What are the components in the square reader (bill of materials)? What is the rough cost of each dongle?
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Sadness again descended where a hero (Lt Col Niranjan) sacrificed his life for nation at Pathankot. Where are those voices now?
I belong to the armed forces fraternity, by virtue of which I get to hear directly from the men most affected by such incidents.I wouldn't want to add much myself, but I have a couple of forwarded messages which I believe really need to be shared. There are some pressing issues within the Armed Forces family, but since they have been raised to never question authority, they continue to suffer silently.Just give the following text some thought, they raise very valid questions and I wish the media and our general public paid attention to such details :"Touching message posted by a course mate of Lt.col Niranjan, who died while diffusing a bomb at Pathankot... R.I.P Lt Col Niranjan EK. My Coursemate, my Sutta Pal, Barrack-Type and Punishment-Type. Wish I could turn back the clock for you, Moron! I would have ensured that instead of CDSE you would have cleared your Civil Services Exam. Your daughter would have had a father to watch her grow up. Your wife would have had a husband to grow old with. And you would never had had to fight to get a decent pension (Not that you would have needed one - everyone knows the price of a Babu's signature). I wish that you had not been a warrior, a leader of men and a guardian of an ungrateful nation. I wish you had been a pen-pushing Babu who charged you just for doing his job. I wish that you had not been an Officer And A Gentleman earning a hardship allowance of Rs.32000 in Siachen. Instead you should have been a blood-sucking Babu earning Rs.72000 HARDSHIP ALLOWANCE for enjoying the salubrious climes of Shillong or Guwahati. Or I wish that you had been a Corporate Honcho, who earns thrice your salary for doing one-fourth of what you do. I wish that you had been an AAM AADMI for whom nothing matters beyond the next increment,the next mobile phone or the next vehicle that he is going to buy. I wish that you had been anything except what you chose to become - A Real Man, A Professional Soldier, A Leader Of Men, A True Son Of This Ungrateful Nation, Sworn to protect it at all cost. I Wish...I Wish... But You Are No Longer There.... So I can only pray that in your next life, you decide to do something worthwhile. Something... Anything.... Just Don't Repeat The Mistakes You Made In This One.. R.I.P Brother... We'll Meet In The Afterlife! "Another one which deserves some attention, it makes us question what the Police and other forces are doing while Army men die, they same army men who take up the job of the NDRF and others when Floods hit Kashmir or Tamil Nadu (to even rescuing kids stuck in borewells). :"Lt Col EK Niranjan of Engineers lost his life leaving a young wife & 18 months old daughter while combating terrorists in pathankot.he was seriously wounded in the action & later succumbed to the injurieswhy did he die ?for whom did he die ?the two big & unpleasant questionsit is the nexus of punjab police, politicians & drug syndicates which is ruling present punjaban suv of SP rank punjab police officer is highjacked while he himself was inside it & punjab police cannot locate the vehicle with blue beacon on it for next 24 hourswhen the SP himself reports to police within an hour of highjack & confirms it was indeed a militant activity, his report is brushed asidethe CM, Deputy CM & home minister are not aware till the militants actually attack the airforce basewhy?Because all three ie politicians, police & drug mafia are busy ferrying lethal drug consignments & counting money.An alert was issued after about 12 hours in the late evening of 01 january when the dead body of innova taxi driver was locatedCM, Deputy CM & home minister still remained silent.It is an eye opener for all of us in which direction the once prosperous state punjab is heading with the nexus of the trio.Lt Col E K Niranjan has made the supreme sacrifice while saving his brothers in airforce station at pathankot because his own countryman consisting of politicians, police & drug mafia of punjab have failed him, betrayed him & eventually murdered him.RIP brother, you could attain the selfless martyrdom for the selfish countrymen, we pray for you & your bereaved family. These terrorists came to the airbase using the SP pathankot's official car. The SP is alive. The driver is dead. All very convenient.That SP was accidentally moving around the place where the terrorists hijacked him with his car at mid night. He was thrown out of the car and the driver died. Very convincing.No one in the media is asking the right questions.What stops the media from saying what I said? Why not ask IG, gurdaspur? Why not ask DGP, Punjab? This question is not connected with the operations going on. In any case, army cannot answer this question. The question is, how did the SP escape? Why did he not fight the terrorists and die? Is his life more precious? What about his oath to the constitution of India? Why should the armed forces be the only guys to take their oath seriously and keep dying for the country? Are the IPS officers exempted from their own oath to protect India? These are serious questions which every citizen of India should be asking. Are armed forces supposed to die so that corrupt police officers can live?Genuine food for thought.. "PS: Above messages are as received via whatsapp. Similar concerns keep coming up in the armed forces often, and hence I decided to put then out in the open to the general public. I would not want to name those who sent these, since they still firmly respect their values as defence officers.
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