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FAQs
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When will email be dead, and what will replace it?
Email is absolutely awesome. I LOVE email.We constantly hear people complaining that email is terrible. People keep saying that we need to invent something new.Email is the best means of communication that ever existed. And while email can be massively improved, it will remain the best communication means for many, many years.Asynchronous communication is really, really importantEmail is beautiful because it is asynchronous. When you get an email, it is not assumed you will respond that second. You can take a day, think about the message, and respond thoughtfully. Sometimes it is just used to convey information and you do not need to respond at all.Synchronous written communication (like SMS, chat, etc.) have their place and can be really important when real-time is a priority … but most things do not need to be real time.Email is openAnyone using any system can email anyone else. You use Google Apps and I use Microsoft Exchange? We can still communicate. The soldier using Military email can communicate with her grandmother using AOL.You can take your history with you. You can forward your messages to a new system. Don’t like using Gmail? No problem, you can forward your old gmail address email to the new one you like.Messages go through a common protocol.Most of the “new” cool systems are closed. They are not portable. They lock you in. They don’t actually have your best interest at heart.Email has a long history that you can searchThe older you are, the more useful this is. You can figure out when you met that cool person twelve years ago. You can read old communications. You can easily search. And, because it is open, you can take your history with you (though admittedly this is more difficult than it needs to be).Many “new” modes of communication are just emailSMS: synchronous email with threads. (Gmail is asynchronous email with threads)Facebook messaging: email with nice graphics.Slack: email that only works for internal communication.WeChat: synchronous email for people that live in China.Is email perfect? Of course notEmail still could be much better. Even gmail can sometimes be really, really slow. Searches can be awkward. Many great advances and email apps just slow things down or cause bugs.And, of course, the company-wide reply-all is a crazy time suck for everyone.And many people send too many emails. And many people write emails that are WAY too long. And sometimes people write emails when a quick phone or in-person meeting would be better.Email can also break down with big groups trying collaborate together.Email also needs to be much more secure.Like all good things, email can be abused.Email is alive, well, and flourishingYes, there are some high school students that don’t use email … but they use something that is just amore synchronous version of email. In fact, most ppl communicate most with either email or something that looks very much like email. Email makes the world go round. It is the easiest way to communicate with most people. It is the best way to invite someone to a function. It is the common communication language of our era. And like other common communication languages of our era (like the QWERTY keyboard and English), there are structural problems that we wish we could change. But I say, LONG LIVE EMAIL!
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Did Raghuram Rajan know about the demonetization scheme of Narendra Modi?
The following persons only were aware of the plan.1. PM Narendra Modi2. Finance Minister Arun Jaitley3. RBI Ex-Governor Raghuram Rajan4. RBI Governor Urijit Patel5. Secretary of Economic Affairs Shaktikanta Das6. Secretary of Investments & Currency Dr. Saurabh Garg7. and a few others in finance ministry.Because the plan was finalized six months back and Mr. Rajan left office on 4th September 2016 only. So such a decision can’t be carried out without the approval of RBI Governor.The detailed execution went something like this.Before Six Months- Plan was finalized and execution for the D-Day started.June - Banks were directed to dispense more 100 rupee note by RBI.Before three Months- Design of new 500 & 2000 rupee note was finalized and went for printing at Mysuru Mint press.PS: Only the design of the plate was finalized. The printing didn't start that time as Mr. Rajan denied continuing for next term and new governor was declared.The printing facility at Bharatiya Reserve Bank Note Mudran Private Ltd. (BRBNMPL) in Mysuru under Reserve Bank of India was set up with the De La Rue Giori, now KBA Giori, Switzerland.20 August - Mr. Urjit Patel was declared as new governor.4 September - Mr. Urjit Patel joined office as new governor and gave a green signal to Modi for demonetization after a thorough discussion. He sent his signature sample in English and Hindi to be added to newly designed 2000 currency plate.5–6 September - Signature was added to the plate and new dye was made. Printing of currency started.27 October - The central bank put out a warning about fake currencies on its website. It asked banks to put entire banking areas under CCTV surveillance and ensure that cash receipts in the denominations of Rs 100 and above are not put into re-circulation without the notes being machine-processed for authenticity.The CCTV surveillance is now being used to monitor and record all the money exchanges that are taking place at banks.2 November - Banks were directed again to dispense more Rs 100 notes through ATMs within the next fortnight.7 November - The Heads of currency management divisions in all banks received a confidential communication from the Reserve Bank of India (RBI) to be present at the headquarters.8 November Morning- They were given charge of a double-locked currency chest, which they were told contained currency notes of the new denomination: Rs.2,000.Though it also had the RS 500 new notes, but it wasn’t disclosed.8 November 7 PM- All MDs of banks were called for a meeting at RBI and were kept waited till 8PM. At PMO, all cabinet ministers were called for a meeting, but no one was allowed to carry mobile.Privacy was of top most priority. Even leak of the news by a few minutes could have caused disaster.8 November 8 PM- Disclosure of demonetization by PM on National TV.The entire nation came to know about it at the exact same time.A master stroke that left the nation spellbound !But the question to ponder is - Did Mr. Rajan leave the office, because he wasn’t in full support of the plan ?Here is what he had to say on demonetization in 2014: Ref“I am not quite sure if what you meant is demonetise the old notes and introduce new notes instead. In the past demonetization has been thought off as a way of getting black money out of circulation. Because people then have to come and say "how do I have this ten crores in cash sitting in my safe" and they have to explain where they got the money from. It is often cited as a solution. Unfortunately, my sense is the clever find ways around it.They find ways to divide up their hoard in to many smaller pieces. You do find that people who haven't thought of a way to convert black to white, throw it into the Hundi in some temples. I think there are ways around demonetization. It is not that easy to flush out the black money. Of course, a fair amount may be in the form of gold, therefore even harder to catch. I would focus more on the incentives to generate and retain black money. A lot of the incentives are on taxes.My sense is the current tax rate in this country is for the most part reasonable. We have a reasonable tax regime, for example, the maximum tax rate on high-incomes is 33%, in the US it is already 39% plus State taxes, etc., it takes it to near 50. We are actually lower than many industrial countries. Given that, there is no reason why everybody who should pay taxes is not paying taxes. I would focus more on tracking data and better tax administration to get at where money is not being declared. I think it is very hard in this modern economy to hide your money that easily.”Source - LivemintHuffingtonpostBusiness StandardEdit1: The new 2000 currency note was initially printed at Mysuru Mint. Thank you User-12623941048551877892 for pointing this out. ReferenceEdit2: Those who are cursing the government for demand supply mismatch of notes should read below possible reasons.a) Had Mr. Rajan had continued as governor, the scenario could have been different. More 2000 notes could have been printed due to availability of time.b) Only one printing press (Mysuru) was used to print the new notes initially. So it limited the printing capability and increased the distribution duration to all banks across the country.c) Only availability of 100 rupee notes decreased ATM's capability in terms of value.d) Change in dimensions of the currency note increased ATM up-gradation time both in terms of software and hardware.e) The no of ATMs for withdrawal got reduced as CDMs couldn't be used for withdrawal. Otherwise people would get same old currency deposited by some other person.Details on SPMCILThank you everyone for the Upvotes. This is not so a customary ‘thank you’ note, but it means a lot to me in keep going. This was my 2nd answer on Quora and 1st answer to receive 1000+ Upvotes that too within two days. :)PS: I’m politically neutral and don’t have any strong support for any of the political parties. But whenever I come across some exceptional steps by them( may be by BJP or Congress or AAP), I criticize or appreciate. The scenario is not ideal always and as per a report 61% of all projects fail to succeed (delivered on time, on budget, and with required features and functions) 43% are challenged (late, over budget, and/or with fewer than the required features and functions) 18% fail (either cancelled prior to completion or delivered and never used). So let’s appreciate this man for the huge step taken.
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Does an e-signature service like Echosign or signNow qualify as "print and send" consent under COPPA?
Currently the FTC does not recognize digital signatures as a valid method of verifiable parental identity. There is discussion of the reasons for this in the FTC's Jan 17,2013 NPRM (Federal Register Vol 78 Nr 12, Page 3988), culminating in this statement.. " For instance, the Commission believes that simple digital signatures, which only entail the use of a finger or stylus to complete a consent form, provide too easy a means for children to bypass a site or service’s parental consent process, and thus do not meet the statutory standard of ‘‘reasonably calculated, in light of available technology, to ensure that the person providing consent is the child’s parent.’’Ironically, it is perfectly acceptable to the FTC for anyone to sign a piece of paper and fax or scan and email the paper form to verify parental identity.On Oct 1, 2014, AgeCheq proposed a new digital signature-based method for VPI that we think exceeds the statutory standard. We expect the FTC to respond to this proposal within the 120 day period, which would be Feb 1, 2015. The proposed method uses an authorization code that is sent to a parental cell phone by text or automated voice to validate the fact that the person signing the parental appoval screen is in control of a valid cell phone at the time of the signing. If approved, this would be the first COPPA verifiable parental consent method that actually uses mobile technology to help protect the privacy that mobile games and apps are capturing. The only other method the FTC has approved is Imperium's knowledge-based method.
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Is the use of technology beneficial or a great risk for law firms?
There is no denying fact that technology is impacting every business today. Like every business, the legal industry is also expanding with technology.Law firms are adopting legal technology to easily transform their practices with a standardized platform. With technology adoption, law firms can reap many benefits like to generate more revenue, quality work, productivity, and efficiency.As per the research, technology platform have evolved with practice management, finance and accounting, client relationship management, knowledge management, security on a single platform with effectiveness and efficiency.Top three benefits of technology which is expected by all the law firms and lawyers are given below:1. Increased Productivity: The most obvious benefit that law firms are looking for is better efficiencies. It is all about boosting the productivity.How technology will help in productivity? At most of the law firms, a huge amount of time is spend on administrative tasks such as billing, client intake, data entry, following up with prospects, etc.By using technologies like artificial intelligence, law firms can automate many of these administrative processes quickly, freeing up hours. Law firms and lawyers can use this time to be more productive, focus on improving the business, and provide a better experience for clients.Reduce Liability: As a lawyer, you can obviously appreciate the importance of reducing liability. According to the ABA study, approximately 45% of malpractice claims in 2010 were related to things like missed deadlines, improper calendering, lost files, procrastination, conflict of interest, or mathematical errors.It may seem foolish, but these things happen to anyone in the midst of a busy workday. The best way to avoid them is to have a systematic, process-driven approach to run a practice.How technology will help? Technology provides tools to calendar deadlines, manage contracts, assign tasks, and store files with great comfort.Law firms can use cloud software programs to develop a more systematic approach to run your firm where your files and data are properly organized and easily searchable. This will signNowly improve the processes to eliminate the risk of making an avoidable, but costly mistake.3. Better Client Experience: In today’s competitive business era, the customer experience is becoming the most important factor that contributes to success.In order to thrive in today’s legal industry, you have to stay ahead of the competition by delivering truly exceptional customer service.How technology will help? Technology can signNowly improve the experience of accessing and purchasing legal services. It can streamline arduous processes, lower costs, and enable more seamless communication.Today’s consumers expect things to be easy. They don’t want to print off documents for signing, fill out forms by hand, or mail in checks to pay your fees. They want to e-sign documents from their smartphones, fill out digital forms instead of paper ones and pay their bills online by credit or debit cards.So this is affordable, easy-to-use technology solutions for all of these things!In fact, Legal Support World offers both customizable online intake forms and document automation with e-signature to make the clients onboarding process as seamless as possible. And you can do online billing with any of the popular law management software which offers credit card processing through LawPay.This is the time for lawyers to fully embrace technology and utilize it to their advantage because it is the best way to get ahead of the competition and set your firm up for success in the future.So adoption of technologies is beneficial for law firms, not a big risk!
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Why should I use e-signatures?
One, e-signatures are accepted as a legal signature; andtwo, e-signatures are easier to use and send than printing the form - or part of a form - then signing it - then scanning it - then sending it as an email attachment.
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How can I incorporate in Delaware without spending money on a lawyer?
Basically a copy + paste job, you say? Documentation fairly standard? If forming a Delaware corporation was this easy, even Unfrozen Caveman Lawyer could do it:With the advent of artificial intelligence and template-based services becoming the norm, the value of using an attorney hasn’t been eliminated, but it has driven the costs of services down (See How much does it cost to incorporate in Delaware? How long will it take? How much is it to do it yourself vs. having a lawyer do it? What are the yearly costs associated? (ie. filing fees, etc.)).First, read this post: A newbie’s guide to incorporating in Delaware.Second, read Legal Concepts for Founders, a publication by Clerky that provides definitions for key startup law terms.Third, if you need more information, please review these steps:(1) Select a Name. Confirm availability of the name chosen for your company (Delaware state web search: https://delecorp.delaware.gov/ti...). Also, if you plan on doing business in any other states, you'll want to make sure you can form under that name in that state as well.(2) Register an Agent. Use the third party service, or have your lawyer choose an option such as Harvard Business Services ($50/yr).(3) Prepare Certificate of Incorporation. Prepare a certificate of incorporation. Any page beyond the first page will cost you $9 per page. Startups generally prefer to issue 10 million shares of common stock. But you will know how to avoid the Delaware tax freak-out and choose a par value - typically a par value of $0.001 or $0.0001 to avoid a large tax bill. One of my former clients DIY'd her Delaware corp and she received a $35,000 tax bill.(4) Have Incorporator Sign and Date the Certificate of Incorporation. Electronic signatures are as good as paper ones, and Delaware accepts documents through e-signature platforms such as signNow, http://h30261.www3.hp.com/~/medi....(5) File Executed Copy of Certificate of Incorporation with Delaware Secretary of State. You can file directly with the Delaware Secretary of State by fax or by mail (see State of Delaware - Division of Corporations ) or through a registered agent service such as The Corporation Trust Company (http://www.ctadvantage.com), Corporate Service Company (Registered Agent Services), or Harvard Business Services. But NOT through email (boo).(6) Receive that filing was accepted by Delaware Secretary of State.(7) Determine Initial Capital Contributions. If there are any items of material value that one founder is bringing to the table that other founders do not have. If a founder is contributing material intellectual property, assets, or other things of value or if any founders plans to contribute more than the minimum amount of cash pre-set to the Company, you'll need to know the tax and legal consequences for their actions.(8) Prepare your Post-Formation Documents, including:Action of IncorporatorBylawsInitial Board ConsentRestricted Stock Purchase Agreements (or Stock Purchase Agreements)Notices of Stock IssuanceIndemnification Agreements83(b) Election FormSubscription LettersConfidential Information and Invention Assignment AgreementsCommon Stock Certificates(9) Collect all signatures for all Post-Formation Documents.(10) Obtain executed copies of your co-founder's Subscription Letters, and, to the extent applicable, Restricted Stock Agreements.(11) Collect all capital contributions from each founder and retain evidence of payment for the Company’s records.(12) Issue Stock Certificates based on your template that prints the applicable restrictive legends on the front page of the certificate.(13) Each Stock Certificate signed and dated by President and the Secretary of the Company.(14) Know difference between delivery vs. retained stock certificates:• Delivered Stock Certificate. If a founder is not entering into a Restricted Stock Agreement and his or her shares are NOT subject to vesting, the Stock Certificate can be delivered immediately to the founder. Of course you need to retain a copy of the Certificate (front and back) for your records.• Retained Stock Certificate. If, however, a founder is entering into a Restricted Stock Agreement and his or her shares are subject to vesting, then the Company would retain that person's Stock Certificate to be held by the Company in escrow pursuant to the Restricted Stock Agreement.(15) File Section 83(b) Notice with IRS. Any founder who is entering into a Restricted Stock Agreement must decide whether or not to file an 83(b) election with the Internal Revenue Service (IRS).(16) File to obtain a Federal Employer Identification Number, which is required of all corporations. See the IRS website for instructions regarding the filing of Form SS-4 (http://www.irs.gov/businesses/sm...). Filing can be completed online.(17) File for State Tax ID. .(18) Securities Law Compliance. Federal and state securities laws may require governmental filings reflecting the issuance of stock to founders.(19) Foreign State Qualifications. You should know that corporations are required to qualify in other US states if they transact business in that state.(20) Prepare a Stock Ledger. You should know to record the issuance of each Stock Certificate and any subsequent transfers and cancellations.(21) Company Recordbook. You should know how to setup and maintain the Company’s records, including a corporate minute book, to hold important corporate documentation (including the Formation Documents).Finally, ask a lot of questions on Quora! There are many great startup lawyers on Quora who are willing to help point you in the right direction without charging their high hourly rates. Please take advantage!SUMMARYSo, forming a corporation is fairly standard but it's not really a copy + paste job.If you want to avoid paying a lawyer altogether, but still want to be provided with the forms necessary to get all this done for $1,000 or less, choose a third party service like Clerky. In the end, it will cost you much more to clean up your operation, but that's okay, because that's how we as cavemen lawyers make a living.Here's how much you can expect to pay for DIY costs and other fees on forming a Delaware corporation.Good luck!
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In the Hong Kong SAR, why is the fax still regarded as a serious medium for official correspondence?
Because everything in Hong Kong still runs on paper, and if you email them a letter, they will just print it out.One nice thing about paper is that you run into fewer data security issues, since everything is on paper so you know where your data is.One other thing is that in a lot of transactions, it's important to have everything in a fixed document. For example, in a lot of legal work and work with the HK bureaucracy, I find that even when people communicate via e-mail, what people will do is to write the document as a attachment, and then use e-mail to send the document. E-mail is for conversations and not for document submission.Once you are in this mode, then it turns out that if you want to do something, you have to export the document as a PDF, attach it to an e-mail. and the person at the other end, unattaches the email, and prints it out. The other problem with e-mail documents, is that a lot of Hong Kong transactions require physical signatures, and it's easy to fax a form, sign the document, and then refax the resulting document.
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