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FAQs
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What is the best real estate technology?
A survey conducted by Coldwell Banker and CNET found that eighty-one percent of prospective home buyers were drawn to homes equipped with the latest in-home technology. Among those, thirty-five percent of people who preferred what is known as smart homes over traditional residences believed that such features solidified the property as “move-in ready.”Technology is also changing the field of home selling. Here are five ways that apps and other online features are making the life of a real estate agent easier.1. Broadcasting with Periscope and TwitterWhat better way to send out a massive blast than on Twitter? The social media site lets you keep it short but sweet as you tell followers that the home of their dreams has an upcoming open house session. You can also post pictures on Twitter that give potential buyers a better perspective of what they will see during their in-person tour of the property. Take the virtual showing a step further by using Periscope to share live footage of yourself walking through the house online. In past times, a substantial amount of money was necessary to promote property by way of commercials. Twitter and Periscope bring the perk to you for free so long as you have a smartphone or tablet when going live and taking pictures.2. Tracking with Glympse and WazeRunning twenty minutes behind used to be a deal breaker pre-Digital era. Not only did you inconvenience the client but you also provided a guess that was often inaccurate and led to more time wasted at the property. Traffic apps in the twenty-first century have made such estimating unnecessary.Waze is one app that provides navigation tips based on real-time traffic information. You can better coordinate appointments so that clients are not left waiting for several minutes and provide clearer updates when you are running late. Glympse also tracks traffic in real-time but takes things a step further by offering a link by which clients can track your whereabouts. Text or email the URL to prospective buyers and let them follow along as you make your way to the location.3. Meet Online with Reflector 2 and Join.meReal estate agents should consider investing in Reflector 2 instead of bringing their USB stick along to nail that next listing presentation. The app serves as a sort of projector by allowing you to cast all activity on your smartphone and tablet on a larger screen. The Reflector 2 works with nearly any device and does not require additional purchase outside of the app itself.Free Screen Sharing, Online Meetings & Web Conferencing is another app that has made buying a selling a home more convenient. Agents can hold brief meetings with clients without requiring them to come into the office. Sharing your computer screen is the best way to convey pertinent information to new homeowners. The recording and playback feature is particularly useful when you need to recall a client’s home preferences. They will be impressed with your attention to detail in finding a house with a built-in barbecue pit. You will know that such meticulousness is because of Free Screen Sharing, Online Meetings & Web Conferencing.4. Add Transparency and Rapidity with an Automated Mortgage Loan ProcessThe traditional method of the home loan process involved hours spent trying to secure financing. Leaving one paycheck stub or bank statement at home often meant holding off on the process until the client was able to furnish proof of such documentation. There was no transparency in the process, which meant that customers were entirely reliant on the expertise of the real estate agent.Technological advances have revolutionized the mortgage loan process. Automated processing now establishes criteria by which applicants are judged that makes applying simpler. Some financial institutions can pre-approve hopefuls in ten minutes. Individuals who go through the entire process may see their loans finalized in ten days instead of the average four-week period. Digital tools provide real-time updates so that even those who are not approved can move on to the next bank quickly instead of waiting for a rejection letter to arrive by way of snail mail.5. Agree from Home with E-signaturesIn past times, the thrill of closing quickly became inconvenient for buyers upon hearing that all approved owners would need to stop by the real estate agent’s office to sign final documents. Some individuals were forced to take a sick day from work just to make their mark on the paper. Such heartache is why the masses are thrilled to learn that e-signatures have the same weight as traditional marks on legal documents. A real estate agent can email paperwork that his clients can sign at their leisure and return electronically. It is even possible to solidify documents on a smartphone in some instances, which makes the home loan process that much more convenient.
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What digital tool, as a real estate agent, do you most use?
As an agent, we have access to the MLS, which the public only has limited access to. In my area the public can see exactly what Zillow can which is active listings. Our board does not disclose the sales price of closed prices, which makes services like Zillow pretty much worthless in my area. (Zillow may be useful in some areas, perhaps many, just not where I work).That said, my favorite and most useful tool, which is also available to the public, is the GIS (Government Information Service). Type in to Google: (Your county)(Your state) GIS [ie: Marion County Indiana GIS ] . While it isn’t available in every county of the country, you will find it in most major areas. It will give you access to the tax assessor records and often times the sales history of the property. The tax records will give you the details of site size, improvements, assessed values and depending on the county may or may not give you the annual taxes.Since real estate agents in some areas count the basement area when they list the size of the property, the GIS will allow me to figure out what is really there if I’m new to the area. For what I am looking for, there is a signNow difference between a stated 3,600 square foot house by the agent and 1,800 square foot above ground over a 1,800 square foot basement. - Lenders only count the above ground square footage as living area when making a loan.Hope this helps.
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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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How are cracked versions of software created and why are developers not able to prevent it?
Cracked versions of software are created with the use of debuggers. (A debugger is a special type of software that lets programmers deconstruct their software into its constituent parts for the purpose of finding bugs, and thus de-bugging. Additionally debuggers can be used for reverse-engineering, or to see what is inside the software, to learn its logic. The latter method is used mostly by malware researchers to study what malware (or computer viruses) do on-the-inside. But it can be also used by an attacker to "crack" (or bypass) legal software registration, or at times, to alter normal behavior of software, for instance by injecting a malicious code into it.)For the sake of this example, I will assume that the software that is being "cracked" was compiled into a native code, and is not a .NET or a JavaScript based application. (Otherwise it will be somewhat trivial to view its source code.) The compiled native code is a bit more tricky "beast" to study. (Native means that the code executes directly by the CPU, GPU, or other hardware.)So let's assume that the goal of an attacker is to bypass the registration logic in the software so that he or she doesn't have to pay for it. (Later for lolz, he or she may also post such "crack" on some shady online forum or on a torrent site so that others can "use" it too and give him or her their appreciation.)For simplicity let's assume that the original logic that was checking for the software registration was written in C++ and was something similar to the following code snippet:In this code sample "RegistrationName" and "RegistrationCode" are special strings of text that a legitimate software user will receive after paying for the license. (The name is usually that person's actual name or their email address, and the code is some string of unique/special characters that is tied to the name.)In the logic above, the function named "isRegistrationCodeGood()" will check if "RegistrationName" and "RegistrationCode" are accepted using some proprietary method. If they are, it will return true. Otherwise false. That outcode will dictate which branch (or scope) the execution will follow.So the logic above will either show that registration failed and quit:Or, if the registration code and name matched, it will save the registration details in persistent storage (such as the File System or System Registry) using the function named "rememberRegistrationParameters()" and then display the message thanking the user for registering:A "cracker" will obviously want to achieve the second result for any registration code that he or she enters. But they have a problem. They do not have the C++ source code, part of which I showed above. (I hope not!)So the only recourse for an attacker is to disassemble the binary code (that always ships with software in the form of .exe and .dll files on Windows, and mostly as Unix executables inside the .app packages on a Mac.) An attacker will then use a debugger to study the binary code and try to locate the registration logic that I singled out above.Next you can see the flowchart for a snippet of code that I showed in C++, presented via a low-level debugger. Or, as the code will be read in the binary form after compilation:(For readability I added comments on the right with the names of functions and variables. They will not be present in the code that an attacker could see.)(To understand what is shown above an attacker will have to have good knowledge of the Assembly language instructions for the native code.)I also need to point out that having a disassembly snippet like the one above is the final result for an attacker. The main difficulty for him or her is to locate it among millions and millions of other similar lines of code. And that is their main challenge. Not many people can do it and that is why software "cracking" is a special skill.So having found the code snippet above in the software binary file a "cracker" has two choices:1) Modify (or patch) the binary.2) Reverse-engineer the "isRegistrationCodeGood()" function and copy its logic to create what is known as a "KeyGen" or "Key Generator."Let's review both:The first choice is quite straightforward. Since an attacker got this far, he or she knows the Intel x64 Instruction Set quite well. So they simply change the conditional jump from "jnz short loc_7FF645671430" at the address 00007FF645671418 (circled in red in the screenshots) to unconditional jump, or "jmp short loc_7FF645671430". This will effectively remove any failed registration code entries and anything that the user types in will be accepted as a valid registration.Also note that this modification can be achieved by changing just one byte in the binary code from 0x75 to 0xEB:But this approach comes with a "price" of modifying the original binary file. For that an attacker needs to write his own "patcher" (or a small executable that will apply the modification that I described above.) The downside of this approach for an attacker is that patching an original executable file will break its digital signature, which may alert the end-user or the vendor. Additionally the "patcher" executable made by an attacker can be easily flagged and blocked by the end-user's antivirus software, or lead criminal investigators to the identity of the attacker.The second choice is a little bit more tricky. An attacker will have to study "isRegistrationCodeGood()" function and copy it into his own small program that will effectively duplicate the logic implemented in the original software and let him generate the registration code from any name, thus giving any unscrupulous user of that software an ability to register it without making a payment.Vendors of many major software products understand the potential impact of the second method and try to prevent it by requiring what is known as "authentication." This is basically a second step after registration, where the software submits registration name to the company's web server that returns a response back to the software of whether the code was legitimate or not. This is done by Microsoft when you purchase Windows (they call it "Activate Windows") and also by signNow, and many other companies. This second step may be done behind-the-scenes on the background while the software is running, and will usually lead to cancellation of prior registration if it was obtained illegally.So now you know how software is "cracked".Let me answer why it is not possible to prevent it. It all boils down to the fact that any software code needs to be read either by CPU (in case of a binary native code) or by an interpreter or a JIT compiler (in case of JavaScript or .NET code.) This means that if there's a way to read/interpret something, no matter how complex or convoluted it is, an attacker with enough knowledge and persistence will be able to read it as well, and thus break it.There is an argument though that cloud-based software is more secure, which is true, since its (binary) code remains on the server and end-users do not have direct access to it. And even though cloud-based software is definitely the future, it has some major drawbacks that will never allow it to fully replace your conventional software. To name just a few:Not everyone has an internet connection, or is willing to upload their data online. Additionally someone’s internet connection can be very expensive or too slow to make the software run very laggy.Then there’s a question of distributed computing. For instance, Blizzard Entertainment would never make “World of Warcraft” to fully run on their servers due to immense computational resources needed to render every single scene for every player they have. Thus it is in their best interest to let each individual user’s computer to do the rendering instead.As a software developer myself, I obviously don't like when people steal software licenses. But I have to accept it and live with it. The good news is that there are not that many people who are willing to go extra mile and search for a cracked version of software. The main problem for those who do, is that by downloading a patched executable, or an attacker's KeyGen or a Patcher, they are effectively "trusting" him or her not to put anything "nasty" into it that was not "advertised on the package" (stuff like trojans, malware, or keyloggers.) So the question for those people becomes -- is it worth the cost of the software license to potentially infect your system with a nasty virus?On the other side of the equation, some developers react very negatively to any attempts to steal their software licenses. (I was there too.) They try to implement all kinds of countermeasures -- anything from tricking reverse-engineers, to adding booby traps in the code that may do something nasty if the code detects that it is being debugged, to obfuscating or scrambling the code, to enforcing all kinds of convoluted DRM schemes, to blocking users from certain countries. I personally try to stay away from all of those measures. And here's why:A) Any kind of anti-reverse-engineering tactics could be bypassed by an attacker with enough persistence. So why bother and waste my time when I can invest that time into adding something useful to my software that will make it more productive for legitimate users?B) Some code packers could create false positives with antivirus software, which is obviously not good for marketing of that software. It also creates unnecessary complexity for the developer to debug the software.C) Adding booby traps in the code can also “misfire” on your legitimate users, which will really infuriate them and can even lead to lawsuits.D) Any DRM scheme will probably catch some 100 illegal users and greatly inconvenience 10,000 legitimate ones. So why do it to your good customers?E) Our statistics show that about 75% of all illegal licenses come from China, Russia, Brazil, to name the worst offenders. (I also understand that the reason may be much lower incomes that people have in those countries.) The main issue for us though was the fact that if we enforce our DRM or add some strong registration authentication, many people that wanted to bypass our registration would simply use a stolen credit card number. And we had no control over it. Our system will use it to send them a legitimate license only to have the payment bounce in weeks time. As a result we would lose the money that were paid for the license, plus the credit card company will impose an additional chargeback fee to our account, which may range from $0.25 to $20 per bad purchase on top of the license cost.F) As was pointed out in the comments, some companies may actually benefit from allowing pirated copies of their software. Microsoft for instance gets a lot of free publicity from people using their Windows OS, the same goes for signNow with their Photoshop. That is a good point that I agree with.So my philosophy is now this -- if someone wants to go extra mile and steal our software, go for it! They went this far to do it anyway, so they probably have a good reason. On the positive side there are so many other customers that appreciate the work that goes into creating software that greatly outnumber those that don’t.PS. Thank you for all your feedback! It makes me feel good that the knowledge I shared is useful to others.
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What's a safe website for fast cash loans?
Times can be tough, but that doesn’t mean you should settle for just any short-term loan you can find. Payday loans and installment loans aren’t legal in every state, and even if they are legal, lenders usually have to abide by strict regulations. Any lender that isn’t willing to comply with state law won’t be legit.Finding a legit lender doesn’t have to be difficult. All you need is a good sense of your state laws and a baseline for finding a good deal.What is a legit short-term loan?A legit payday loan is one that is offered to you legally. The lender needs to abide by the regulations set by your state, even if you are temporarily visiting somewhere else. Short-term loans can be applied for online and in-store but fall under the same regulations.Generally, short-term lenders have more relaxed criteria than banks and other lenders. You’ll be able to apply for a short-term loan if you have bad credit, are on a lower income or receive government benefits. However, the relaxed eligibility criteria does mean rates and fees are higher than other loans.Lenders still have to stick to state-mandated APR and can only lend up to the state’s maximum amount.Lenders must make a reasonable judgment on an applicant’s ability to repay the loan. The lender should assess factors such as income, housing expenses and existing debt in determining if the applicant can reasonably repay the loan.If a lender doesn’t ask you for any of that information or doesn’t attempt to evaluate if you can afford the loan, the lender probably isn’t legit. Since there are plenty of lenders that check, you should move on and find one that combines good terms with a strong lending ethic.
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How can I register a marriage in India?
In India, the procedure for marriage registration is common for all States. There is no such separate laws for different states. In India, a marriage can be registered under either of the two Marriage Acts: the Hindu Marriage Act, 1955 or the Special Marriage Act, 1954.The Hindu Marriage Act is applicable only to the Hindus, whereas the Special Marriage Act is applicable to all citizens of India. The Hindu Marriage Act provides for registration of an already solemnised marriage. It does not provide for solemnisation of a marriage by the Registrar. The Special Marriage Act provides for solemnisation of a marriage as well as registration by a Marriage Officer.Procedure to apply marriage certificate in India-Under the Hindu Marriage Act-Parties to the marriage have to apply to the Registrar in whose jurisdiction the marriage is solemnised or to the Registrar in whose jurisdiction either party to the marriage has been residing at least for six months immediately preceding the date of marriage.Fill the Application form duly signed by both husband and wife.Verification of all the documents is carried out on the date of application and a day is fixed for the appointment and communicated to the parties for registration.Both the parties have to appear before the Registrar along with their parents or guardians or other witnesses.The Certificate is issued on the same day.Documents Required-Completely filled application form signed by both husband and wife Proof of Address- Voter ID/ Ration Card/ Passport, Driving License;Proof of Date of Birth of both husband and wife 2 passport sized photographs,1 marriage photographSeparate Marriage Affidavits in prescribed format from Husband & Wife Aadhaar Card All documents must be self attested.Marriage Invitation Card.2. Under the Special Marriage Act:The parties to the intended marriage have to give a notice to the Marriage Officer in whose jurisdiction at least one of the parties has resided for not less than 30 days prior to the date of notice.If either of the parties is residing in the area of another Marriage Officer, a copy of the notice should be sent to him for similar publication.The marriage may be solemnised after the expiry of one month from the date of publication of the notice, if no objections are received.If any objections are received, the Marriage Officer has to enquire into them and take a decision either to solemnise the marriage or to refuse it.Registration will be done after solemnisation of the marriage.However, for marriage in India the bridegroom and the bride must have completed 21 years and 18 years of age respectively. Documents for both will be same.If you are in need of a top most Lawyer for Marriage Registration in Maharastra then you can signNow out to Legalresolved which is an online platform where you can find solutions to your legal queries, contact lawyers for legal aid, and manage appointments with the best and topmost lawyers in your city or you can also contact us on 08929-902-903.
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What is a payday loan, and why are they so bad?
This is a loan intended to be short term “payday” came about as it was intended to be a loan to carry you over till you got your next paycheck.As others have noted they are very high interest rate loans. Having such a loan for a short period of time (1–2 weeks) is expensive but not unmanageable. If you take such a loan off and take a long time to pay it off, then it will cost you a fortune in interest payments.The main issue is that when you get the loans they have 1–2 year terms on them, thus the payments may seem like they are not too bad monthly, but in reality you are paying a lot of interest and little on the principle so over that time you may pay double or triple the loan you took out (assuming you don’t just pay it off right away.The secondary issue is that these loans tend to be geared towards and given to lower income people with bad credit. Someone with good credit, even with low income, likely can have a credit card that could cover some unexpected expense, which is still high interest rate but no where near as bad as a payday loan… people with bad credit however will turn to payday loans, and there is a reason they have bad credit and this is normally related to their lack of ability to manage money. Take someone who is not good at managing money, give them a high interest loan and a long time to pay it off and it is very bad for the consumer.The final issue is that people also don’t use these loans for what they should be used for. This likely falls back to the poor money management part of things. People will take one of these loans out so they can buy a video game system or a new big TV, not to cover a necessity till the next paycheck. Basically this starts a spiral of debt on the heads of people who in general cannot afford it.
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