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FAQs
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How do I register a startup in India? How much money and time does it take? If am currently only 17, what issues will I face dur
Algorithm for starting a Private Limited Company: Engineer's View Personally I believe, If someone is starting a company with long term perspective or to bring some change through their unique Product/Services, one must go for Private limited firm. Prime reason for this is easy to raise funds from Angels/VC in case you go for investment. Step 1. Registration of Company 1. Name Selection: Check whether your desired company name is available or not at MCA website [ http://www.mca.gov.in/ ]. Name must be unique & must resemble with business you intend to do (highlighted one). EX: Arihant Labs Retail Services Pvt. Ltd 2. Registration of Name at ROC: Name approval usually takes maximum of 14 days. This is done online through MCA website. Moreover, you need to apply with at least 4 names for approval with a writeup about significance of names with main business of the company. 3. 1. Documents Required: 2. 1. Options for names for the proposed Company (on the basis of preference) 2. Amount of Share Capital; proposed shareholding ratio 3. A paragraph on the proposed major line of business of the company (main objects) 4. City of Registered Office. 5. Copy of ownership deed/sale deed(if property is owned) 6. Copy of rent agreement with NOC (if property is rented) 7. Copy of latest electricity bill/telephone bill/mobile bill for both directors 8. Copy of latest electric bill/telephone bill for the registered office proof. 4. Obtaining DIN & DSC: 5. 1. Documents Required 2. 1. PAN Card copies for directors and shareholders. 2. Voter ID/Passport/Driving License for directors and shareholders. 3. Occupation of the Directors for directors and shareholders. 4. E-Mail IDs of all directors and shareholders. 5. Phone Numbers for all directors and shareholders. 6. Photos for directors and shareholders 6. Company Incorporation: After above mentioned formalities have been completed, we need to file following forms/docs in Rs 100 stamp paper: 7. 1. Affidavits for non- acceptance 2. INC 9, INC 10 3. DIR 2 4. NOC : This is required to be filed by the owner of the property on which your company will be situated. 5. Subscriber Sheets of MOA & AOA 6. Documents required for filling MOA & AOA 7. 1. Must be filled on OWN handwriting 2. Passport size photos 3. Sheets needs to be witnessed by CA/CS/Advocate Step 2. Obtaining PAN/TAN: After company gets incorporated, you may apply for PAN/TAN. Step 3. Trade Licence in case you are selling PRODUCTS: This is required in some places for carrying out sales. You can obtain this from local Municipality. Step 4. VAT/CST registration for selling Products: For selling intra-state, you need VAT registration & for selling inter-state, you need to register for CST. 1. Documents Required: 2. 1. Trade Licence 2. Company Incorporation Certificate 3. PAN card of company as well as of all the directors 4. Proof of residence of Directors 5. Proof of occupancy of place of business (Rent agreement/ ownership deed, Rent Bills etc) 6. MOA & AOA of company 7. Current Account in the name of company in any national bank Step 5. Service tax registration for Service Industry: In India, you need to pay service tax of 14.5% on every services you have charged customer for. 1. Documents Required: 2. 1. Company Incorporation Certificate 2. PAN card of company as well as of all the directors 3. Proof of residence of Directors 4. Proof of occupancy of place of business (Rent agreement/ ownership deed, Rent Bills etc) 5. MOA & AOA of company 6. Current Account in the name of company in any national bank That's All folks! Your STARTUP is up to Conquer the World. UPVOTE & SHARE your views/issues We at labkafe [ http://labkafe.com/ ], prefer taxmantra [ http://taxmantra.com/ ] for our legal requirements.
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Legal professionals, what is your best example of showing that a witness was lying whilst giving their testimony?
The best way still to show that a witness or Accused (“defendant” in some jurisdictions) is lying, is to point them and the court to self contradictions in their testimony, or to give clear evidence by another party or source that rebuts the witness's or Accused's evidence.As an example; a few years ago I prosecuted an Accused who essentially forcefully hijacked the business of the complainants. In the process he committed certain offences such as theft and fraud, amongst others. His defence was that he was not the main actor, he was just taking instructions from his partner who he claimed ...
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Can I learn how to read piano notes quicker?
To improve sight reading, you need to learn to NOT read everything. Ill explain it this way, with English first.Read the following : AThat is a single letter word. Easy?Lets add another letter (N) to it. Read this : ANNow try one more letter (R) : RANKeep going, try this : RANGNotice how the meaning changes each time with just the addition of a single letter. And each has its own context. One cannot be used in place of the other.Try a few more, here is the same block with one more letter (E) : RANGEAt this point even the pronunciation changes.Last letter Ill add here (O) : ORANGEOnce again, the meaning, context as well as pronunciation has changed.Similarly, when reading sheet music, you will most likely start off with single note phrases.Later you may go on to two-part harmony, followed by 3 part harmony, and so on.The harmony may be either via counter point or through parallel movement.Your focus should not be on reading letter by letter, rather in the chord block, just as you would read words in a sentence rather than each alphabet within the word.The blocks below are some of the very easily identifiable patterns :You will most likely use the same fingering pattern for most of these chords. So train your hands to play these patterns easily. This is the equivalent of pronunciation in spoken language.Now look at the pattern below :Notice how the inversions above look similar, and your hand position will be more or less constant when playing this ‘6 4’ chord.Learn the positions for each of the figured bass chords, that you come across in your style of music, it will help you play as you read.When you read block chords, look at only one of the notes (lowest or highest), and the pattern (root, 1st Inv, 2nd Inv, major, minor, etc.,) and play. Dont read all the notes.The same applies to reading broken chords in the form of triplets, or Alberti bass patterns.Next, when you come across patterns like these :In the first bar, for right hand, there is a run that starts from D, and goes on for a total of 6 notes, or you can say it ends at Bb.Here, you wont need to read every note in between, just read the pattern as first note, followed by number of notes, or first note till last note, and then play all the notes in between on that key signature.One more pointer before I submit the answer on this one : Look for repeated patterns! In the same example above, notice how bars 3 and 4 have the same melody in the bass clef, as the 1st and 2nd bars for the treble clef. So you already know the notes and rhythm. Just focus on playing them.There are different ways to improve your sight reading further. Always focus on identifying familiar patterns and repetitions.Try reading the following names written in English :This is just to show you that unless you are familiar with this subject, you cannot read these as easily as you can read other words. The same goes with music, and you may not be able to play all the styles as you can your favourite pieces. Some really do take practice and are not meant for ‘sight reading’ by the average musician in general.
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How do I register my company and logo in India?
Incorporating a company in India is slightly difficult than you may think. Its better you hire a CS, CA or a Lawyer to do it for you. Nonetheless, here is the process:(1) Obtain DIN (Director Identification Number) from Registrar of Companies, Ministry of Corporate Affairs of all the proposed Directors in your Company. (2) Obtain DSC (Digital Signature Certificate) from any of the authorities recognised by Registrar of Companies of all the Directors. (3) Apply in a prescribed format to the Registrar of Companies for the approval of name of your company. You need to provide a minimum of 5 options to the Registrar in this form.(4) Once you receive the name approval from the Registrar of Companies, you need to file the following documents with that office: (a) Memorandum of Association(b) Article of Association(c) Form 32 (Details of Directors)(d) Form 18 (Registered Office details)(e) Form 1 (Compliance with the Act) FEESThe official fees for which you will receive receipts (for a Company with an Authorised Capital of Rs 1 lakh) will be approximately Rs 11,000. Rest of it will be the fee of the working professional. On an average you're likely to spend Rs 5000 to Rs 10000 in addition to the official fee, so that the total price comes out to somewhere between Rs 16000 and Rs 21000.TIME FRAMEIf everything goes smoothly, you can register your Company within 20 to 30 days. However, if an objection is raised on an issue, it may take longer, as well. Good luck!Nitin
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How can I deactivate my Zerodha demat account?
Firstly, you need to make sure you do not have any debit (negative balance) in your trading account. You will have to clear your dues before you close your account.Also, you need to make sure there are no securities in your DEMAT account.Note: Closing your account is different from De-activation. Your Trading and DEMAT accounts will be closed permanently. You will have to re-do the account opening process if you want to resume trading with Zerodha.To close your account, download and print the account closure form, select 'Close' account, fill it out and send it to our head office.Alternatively, you can digitally sign (e-sign) the filled account closure form and submit it by raising a ticket below. The account closure form will be processed within 5-7 working days. The process of digitally e-signing is as below -Fill up the closure form - using MS Word or any other text editorSign up/ Log in to Digio - https://www.digio.inClick on Add document and upload the closure form.Click on sign icon.Enter your VID and once you do you will receive an OTP.Once you enter OTP digital signature will be affixed to account modification form, Once the signature is affixed you need download it and submit it by raising a ticket below.It is important to note that, In case of account 'closure cum transfer' you will have to send us a hard copy of the account closure form. Along with it, you'll have to send us the CMR (Client Master Report) of the target DEMAT account. The CMR has to be a hard copy with seal & stamp for NSDL account (or a digitally signed CMR for CDSL clients)Note: The Clients account shall be closed upon a specific request from the client. The closure shall be effective only after a period of one month has elapsed from the date of application/intimation or the date of settlement of account whichever is later.Settlement of account shall mean that there is no outstanding balance of shares or funds in the books of the client and Zerodha and the same is confirmed by the client. The date of confirmation shall be the effective date of settlement. As far as dormant accounts are concerned, we do not close such accounts but mark the same as “Inactive” till further action by the concerned client.Source: How do I close my Zerodha account?
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What are the biggest lessons you have learned in the corporate world?
Arriving early and doing nothing is viewed more favorably than staying late and working assiduously. It’s unfair, but it’s only the first boot of real life to kick you in the ass.HR and the ethics hotline don’t exist as a resource to you; they exist to cover management’s ass. I’ve worked for bosses who have used racial slurs, homophobic epithets, threatened and intimidated staff, used drugs in the office, and misappropriated their expense credits, but they were never so much as suspended. I almost lost my job for marking a sale as closed when I got verbal confirmation from my client (with my manager on the phone), only to get the actual signed documents a few days later.Always, always, ALWAYS document and organize files of communication between you and your superiors and you and problem clients. Did I say always? Discrepancies (read lies) in accounts of your interactions from either of these parties is a fast track to being escorted out of the building. Nothing shuts up a lying SOB like a time-stamped email with the intro, “Per my email on July 15, I mentioned….”Always keep a pulse on the job market. At least twice a year apply for jobs in your industry to get a sense on what your skills trade for in the open market and to sharpen your interviewing skills. It’s also a great habit to be in the orbit of recruiters because they operate within a tight-knit ecosystem, network with, and know one another. If you’re not a great fit for one role, and they like you, they’ll refer you to a friend or colleague looking to fill another role as a courtesy.Even if you’re not interested in a role that they may signNow you for, always try to recommend or refer qualified candidates to recruiters. This pays dividends down the road.Be wise as a serpent, yet as humble as a dove. Many people advise against making friends, but I would advise that you make them believe that you’re a friend. Being too cold and stoic in the office will make your colleagues withhold gossip, news, and politics from you that may be actionable. You can be friendly without being friends. Whatever your line is, find it and stick to it.Never get comfortable. I had a former colleague who never placed photos of his family or accomplishments in his cube and I asked him why. He said he is always prepared to walk out of the building with the items on his person at a moment’s notice. Speaking from experience, there’s nothing more humiliating or anxiety-inducing than taking the security assisted walk of shame with all of your belongings in a box and colleagues peeking above their cubes like prairie dogs to watch you walk the green mile. Work is a place where you should be as productive as possible; your family, spouse, hobbies, religion, proclivities, and creature comforts shouldn’t occupy the work space.Your manager is NOT to be trusted with personal information. Whether your mom has cancer, wife left you, your kids are suspended from school, or you’re late on the rent, these aren’t the people to share your most vulnerable moments with for two reasons; 1. They don’t have the power to do anything about them, and 2. They are more likely to report this things up the chain of command to use against you should it ever become convenient as a manipulation tactic. I know this oversimplifies things for the truly empathic, and supportive managers out there, but for the sake of generalities, let’s leave those 8 people out of this and err on the side of caution.Use your lunch hour as an opportunity to network with people within different departments to grow your customer base. Every employee has internal and external customers, and it will behoove you to learn how to cater to them. If you’re in sales, take someone in Dev Ops, Professional Services, R&D, or Customer Experience to lunch. You’ll learn all the horrible things sales people do that make their job a living hell, so you won’t perpetuate that. You’ll also forge some great individual relationships for emergencies when you need to phone a friend.Stay away from the office complainer. Every office has at least one, and he/she is a cancer on your outlook and productivity. Regardless of how valid their complaints are about the quality of the snacks, the scheduled All Hands meetings, the increased co-pays on the new insurance for annual enrollment, the way management is trying to screw us with the new Comp Plan, etc., the best thing to do is to keep your exposure to this individual AT. A. MINIMUM.Become a Subject Matter Expert in at least one or more topics within your department. This makes you indispensable among your peers and management, because they don’t want to(or can’t do) do the job of training the whole staff or answering all their questions.Volunteer to headline new products or services, and you’ll become more visible with leadership and ahead of the curve when those products/services become mandatory.Make your career decisions for the people who will attend your funeral one day; not the people in that office. Days, or even hours after your death, someone will be posting a requisition for your position, and your duties will fall on the shoulders of another. Make sure you spend your strategic decisions improving the quality of time with the people who will be crying at your funeral. This puts a whole lot of unnecessary office bullshit into perspective.If you’re in the US, talk to your colleagues about your salary. Corporations benefit from dwindling unions and individual, rather than collective bargaining by negotiating salary and compensation on an individual basis. Men, this is our opportunity to gain solidarity with women who work equally to ensure that they’re paid equally. White folks, this is an opportunity to ensure Black folks, Hispanics, and Natives are paid equally. This isn’t a zero-sum equation; corporations make enough money to pay us all equally. They have the luxury of not doing so. Hold their feet to the fire, or have them risk losing the war of retention.Be kind. Especially to the people who least deserve it. 9 times out of 10, they’re fighting prodigious personal battles, and the only place they can funnel their energy is at work. Be gentle, but don’t be a doormat either.Bring your authentic self to work. I’ve seen introverts, extroverts, flashy dressers, frumpy dressers, those gifted with supreme elocution, and those with the longest, strongest Southern drawl succeed in business, which proves one thing. Success doesn’t care how you show up; just that you show up. I wish you the best of luck on your journey!
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Is the cryptocurrency Bitcoin a good idea?
Yes.Here’s the problem: most people who know a lot about Bitcoin can only speak “tech”.I was at a conference recently. I was the keynote speaker but had zero talk prepared (as usual). It was a crowdfunding conference so I “crowdsourced” my talk.I asked the audience: I can talk about entrepreneurship or I can take fifteen minutes to explain Bitcoin without using any technical jargon. Clap for which one you want.Almost 100% of the people wanted to learn about Bitcoin without the technical jargon.People are hungry for this. They don’t want to hear about “crypto” or “blockchain”. They just want to know what all this Bitcoin stuff is about.Back in 2013, I thought Bitcoin was a scam. I was wrong.First, some credentials.In early 2013 I had my doubts. I started reading everything I could. Then I got my hands dirty.I’ve been a coder / programmer since 1985. I decided to code up a Bitcoin only store (maybe the first ever) and sell my book, “Choose Yourself” on it before it was released on Amazon.It was very hard. I had to develop the store from scratch since there were no easy tools to help me. There still isn’t (hint: business opportunity).Once I launched it, quite a few people bought my book. I sold a PDF of my book for 0.1 Bitcoin. Bitcoin was then $60 so I sold it for about $6 per PDF. Right now, it’s as if I sold each PDF for $1600. I sold many copies.I went on CNBC when they heard I was doing this. The anchor asked me, “Did you just do this for publicity?”I said, “Well, I’m on national TV so I guess it worked.”Another thing worth noting: Most of my customers came from one domain name (they had to submit their email addresses for me to process the sale): Amazon.com. Make of that what you will.A few months ago I started writing about cryptocurrencies again. I saw so many people getting involved in scams, I wanted to help.The other day I had an Uber driver who thanked me during the car ride for helping him “get it”.And last night at a restaurant, the waiter at the end of the meal shook my hand and thanked me for helping him “finally” begin to understand what Bitcoin was about.In order for crypto currencies to succeed, people need to understand at a basic level what they are. Nobody needs to learn complicated cryptography or blockchain.Just understand why now. Why this is important for us a society.TWO CRITICAL REASONS BITCOIN IS HISTORICALLY IMPORTANT AND HERE TO STAYJust understand these two reasons. Then you will know the potential for Bitcoin. And you will be popular at cocktail parties.A) THE HISTORY OF MONEYEvery new style of money solves the major problems of the last style of money.BarterIf I have a bag of rice and I need shoes, what if you make shoes but you only need 1/2 bag of rice. Do I get 1/2 a pair of shoes?Barter has a lot of problems. In the above, coming up with the rice to shoes exchange rate is difficult.Then coming up with 1000s of exchange rates just to go out and buy groceries is almost impossible.PLUS, what if you have to move (your kingdom is attacked). How are you going to carry all that rice? All of those shoes?Money has two purposes:as a store of wealth / savingsto make transactionsThere’s a third, which Ray Dalio, the head of the largest hedge fund in the world, Brigewater, told me the other day. But we’ll get to that later.Barter is horrible as a store of wealth. And for transactions, best case it’s very difficult.But problems lead to opportunities. Which leads to…2. PRECIOUS METALS / COINSGold and silver are scarce. It’s hard to mine them.But it’s hard to forge them because you can measure by weight.So the scarcity combined with the lack of forgery makes them good choices for money. I can convert my rice into gold coins, you can convert your shoes into gold coins, and now we can trade and now we can buy whatever we want.(Marcus Aurelius on a gold coin)As a store of wealth, it’s not great but not horrible.If my kingdom is attacked and I have to move, gold and silver are easily stored and carried as designed jewelry.BUT, two problems.One: what if you live in a country that doesn’t have any gold mines. Now you either have to trade for gold or start attacking countries: (this did not work out so well for the Aztecs).Two: What if you wanted to buy a house right now: are you really going to bring a truck of gold bars to the closing? Or if you have to move to another country and you have a lifetime worth of savings: are you going to ship all of your gold bars to your new home?People say that gold is “real” as opposed to (later) paper money and cryptocurrencies.This is not really true. Gold is a rock. But it does have industrial uses (silver is better for this because of price but still…). Gold and silver are great electric conductors, can be used as SILVERware. Can be used as antibiotics (hence great for fillings on teeth).So we can say that gold money is “backed” by something that has real use with value associated with it.But we still have to solve the problems above.3) PAPER MONEY BACKED BY GOLD AND…PAPER MONEYCountries made paper money that was like a contract with the government that all of that money can be converted into gold.This was great for transactions (easy to carry paper money).This was great for store of wealth (put the money in a bank and you can go anywhere). The first banks for paper money backed by gold helped fund every war in Europe in the 1800s. Good job!When paper money is backed by gold it also puts a clamp on inflation. You only have as much paper money in a country as there is gold in that country.(yes, there is a 100,000 dollar bill in the US. Woodrow Wilson is on it).So you can trust the government to not go crazy printing money that is not backed by gold (like German in the 1920s when trillions of Marks were printed and Germany went into an inflationary death spiral that was at least one cause for World War II).BUT, why benefit the countries where gold is easy to mine and punish the countries where gold is hard to mine.Also, the world is expanding in every way: more people, more technology, more innovation, more THINGS.I’m not sure this is a good thing or a bad thing (see: Germany above) but sometimes countries need to balance debt with money printing to manage their fiscal policy.The US went off of gold in the early 70s in order to fund the financial needs of both the Vietnam War and the social improvement programs of Lyndon Johnson.This created inflation.Paper money will often lead to this situation. Someone will say: why do we need the gold part?Again, might be good or bad. There’s a lot of debate. Did money printing save the US in 2008 and 2009? Maybe. Or will their be future problems caused by this? Maybe.Nevertheless, there are other problems with paper money that need to be solved:a. No privacy.If I’m making a sizable (greater than $1000) transaction I’m usually not using cash but either a credit card or a money wire.So that means your bank knows. Other banks know (the bank you are sending money to, the Federal Reserve, the local Reserve bank, etc).Government agencies know (the IRS, the NSA, etc etc).Potentially sites like Google and Amazon know depending on what payment services you use and what you are buying.So you have no privacy on your transactions with paper money.b. Fees.If I send a friend in Korea money, I go through my bank (fee), local reserve bank (fee), Federal Reserve (fee), International wiring system (fee), their central bank (fee), their local reserve bank (fee), their local bank (fee).That’s a lot of fees. Those fees help create inflation because every transaction needs to have a profit on top of those fees.c. Forgery. Something like $200 billion in forged money is circulating right now.d. Human error. This is a CRITICAL problem. There are so many opportunities for human error. When you transfer money, they can send to the wrong account. Or a bank’s software can be hacked and you lose all of your money.Or, most importantly, the Federal Reserve in the US can decide to print another trillion (Like 2009) and, without your permission, the value of your dollar has gone down.In the US we’ve been lucky. But all of South America hasn’t been so lucky (all of their currencies crashed in the 80s. Most of Asia wasn’t so lucky in the 90s (their currencies wiped them out). Russia in 1997 was wiped out.Many countries have relied on humans to print (or not print) money and the slightest human error can wipe out an entire country’s economy.The United States has been lucky. For now. But this is a HUGE error we risk every day.These are the basic problems. There are more (theft, for instance).e. What is backing paper money?Only our trust. I don’t want to be a conspiracy theorist. But the reality is: a dollar is a piece of paper. Just like gold is just a rock.How do they make us trust that the money has value?They put “In God We Trust” on it. They put George Washington. They put the signature of the Secretary of Treasury (pretending it’s a contract.).And, for the weirdos, they even put a pyramid with an eye on it.And that’s supposed to be why we trust it. I don’t trust it.4) BITCOIN (and, btw, Bitcoin is not the end. There will be a “5”).Bitcoin solves the problems above.a. Human error: there is no printing of money. There is a fixed supply of 21,000,000 coins.How do I know this? I’m a skeptic. So I read the software behind Bitcoin. I read it over and over until I could figure it out. In one part of the code they clearly define how many coins can be “mined” / printed (printed is the wrong word but I’m using it here to make the connection with paper money). And there’s another part of the code which “enforces” the first part.(part of the code that limits the total # of bitcoins to 21,000,000. I found this by reading ALL of the code for bitcoin).b. Theft. Like with every other form of currency, an exchange (like a bank) that stores your Bitcoin can be hacked and money stolen.BUT, I only keep a small amount of money in an exchange. You can get a storage drive, store your money, and put it in a safety deposit box. So even if the exchange is attacked, you still have your money.ALL theft can be prevented this way with Bitcoin. You can’t do this with paper dollars because if you have too many dollars, how will you store it? Ditto for gold.c. Forgery. The software guarantees that Bitcoins can’t be forged.d. Privacy. I can send you a Bitcoin and nobody knows who is sending it, who is receiving it, and no government institutions are aware of it.e. Fees.Some bitcoin transactions have small fees. But it’s nothing like the fees of going through six banks in the transaction described above.What’s backing it?There’s about 1000 man-years of science backing Bitcoin.The underlying technology of Bitcoin which involves heavy amounts of cryptography, financial know-how, and basics of contract law, plus the “blockchain” have 100s of use-cases that we have only just begun to play with.EVEN IF Bitcoin is never used as a coin (although note: it’s being used every day as money) there are 100s or 1000s of other uses for Bitcoin that have nothing to do with the basic money use.I won’t get into the weeds here: but suffice to say that ALL of contract law can be (and will be) eventually replaced by Bitcoin.And ALL of logistics will be replaced by Bitcoin (e.g. UPS is replacing all of their internal logistics (tracking millions of packages every day going from millions of locations to millions of other locations) by Bitcoin technology.There’s nothing behind paper money or gold like this.Now…Bitcoin has problems also.Hence the need for other cryptocurrencies. But that’s ok and not the topic for here. Suffice to say, Bitcoin solves all the basic problems of paper money, which solves the problems of gold, which solves the problems of barter.HOWEVER, there is another reason why Bitcoin is here to stay and it’s so compelling.——EVOLUTION OF EVERY INDUSTRYEverything in life evolves. Not only species but ideas.Let’s look at some industries.MEDICINETheism: 500 years ago if you got sick, you’d either pray to a god to get better, go to a shaman, make a sacrifice, or assume you committed a sin that made you sick and would try to undo the sin.Humanism: Post-rennaissance, we had human “experts” called doctors who would either leech us to death, perform horrible surgeries that would kill us, or would pat us on the back, hammer our knee and say, “take two aspirin”.Doctors aren't bad. They’ve saved many many lives. But Humanism has it’s limits. A known fact is that, on average, the moment when a doctor is most effective is his or her first year out of medical school. After that, statistically downhill.Data-ism:Now when if you go to a doctor, you get tests. You get blood work, you get an MRI, an EEG, an X-Ray, the X-Ray might go into a database and an AI algorithm matches it against other X-rays (does it match a tumor X-ray or a non-tumor X-ray?). We even get genetic testing to see if our illness is in our chromosomes.Then, armed with data, often a computer will tell us the correct solution (and even a computer can do the robotic surgery needed), or a human will help interpret the data (but there’s room for human error here).(source: National Genome Research Institute)So Medicine has evolved fromTheism → Humanism → DataismLet’s pick another industry:WARTheism: 3000 years ago if two countries went to war, the kings would perform massive sacrifices to their gods the day before.In the Bible, whosever God was stronger (Baal versus Yahweh being a notable Hebrew battle), that group would win the war.Fragments of this exist right now: May the Force Be With You, said to Luke before he flies out to fight the Death Star.Humanism: For the past 500 years, whoever had the most humans on the ground, the most bullets, then the most planes, then the most bombs. ,would win the war.Data-ism:War is being fought every day now. EVERY SINGLE DAY. Every day, some country tries to bring down the electric grid of Poland.Every day, every Fortune 500 company is attacked by “bot armies” coming from…nobody knows.I’ve been involved in the cyber security space for 25 years or more.I once was talking to a company who helps Fortune 500 companies fight “bot armies”. All of the employees were top Phds who were the experts in their fields.One guy told me, “No matter how smart we are, they are smarter.”Who are “they?” The people making the bot armies. Where do they come from? We don’t know. They come from everywhere. They are just smarter than us.Elections are rigged. Companies are attacked. Information is stolen.We have been in World War III for at least 20 years and it will never end. Dataism has taken over war.Ok…MONEYTheism: “In God We Trust”Humanism: “George Washington”. A picture of Independence Hall. Or the White House. Anything. Anything at all so that we trust humans with what we are given in exchange for the hard labor we do every single day.Do we trust humans? I tend to trust humans. But that is maybe not so smart all of the time. Humans make a lot of mistakes and that’s been the downfall of so many companies, so many families, and so many…everything.Data-ism. Bitcoin and now other cryptocurrencies.1000s of man-years of science. 100,000s of lines of code that has been checked by 10,000s of the best programmers.Data-ism prevents forgery, keeps privacy, re-creates all contract law, avoids fees, avoids theft. And this is just a small sample of what data does for money.“In Data We Trust” for better or worse. But it works.The natural evolution of money has arrived. And it’s not only Bitcoin but other cryptocurrencies.FAQ:Why do we need other Cryptocurrencies?Why do we need more than one currency at all? Why is there a US dollar and a Canadian dollar.FOR NO REASON. Just an artificial border created in 1770 and we have two different currencies.Cryptocurrencies have what I call are “problem borders”.One coin is better than Bitcoin for making contracts (Ethereum).Another coin is better for privacy ((Zcash. A problem with Bitcoin is that although there are no names on a transaction, I can see the size and the time. So privacy is still a slight problem).Another coin might be better for solving a problem of decentralized storage (as opposed to storing all of your photos on one centralizes spot that can be hacked like Google Drive). Bitcoin doesn’t address this problem.Problem Borders create new currencies.Is it too late to invest in Bitcoin and other cryptocurrencies?Right now, this reminds me of the Internet in 1995–6. There’s a bit of irrational exuberance in new coins. Prices are going crazy.There will be a massive pullback. BUT, the legitimate coins are here to stay and will keep going.Amazon, of course, pulled back, when the Internet pulled back. Now it will eventually be a trillion dollar company. Many companies that started in the 90s have survived and thrived and were great long-term investments that have paid off.Cryptocurrencies are the “internet of money”. The internet is here to stay and so is the internet of money.We are only in inning one of the cryptocurrency shift in our money.Will cryptocurrencies replace paper money?Yes. Eventually. It might not be Bitcoin although Bitcoin will always exist.But each country, to solve the problems of paper money, will eventually switch. Countries that are debating it include: Israel, Estonia, Venezuela, Argentina.Countries that will use some aspects of cryptocurrency technology in their central bank will soon include China, Korea, Russia, and yes, the United States.And many countries will reject cryptocurrencies but their population will shift en masse to cryptocurrencies in order to avoid corruption, human error, theft, etc. First on my list for this is Argentina.What will the value of cryptocurrencies be?When I first wrote about this, all cryptocurrencies added up was about $200 BILLION. Now it’s around $750 Billion. Although I do view many of the currencies as scams so the number is really less.That’s the “SUPPLY” of cryptocurrencies.The DEMAND is the amount of paper money + gold that exists.That number is $200 TRILLION.So in order to go from ONE TRILLION to 200 TRILLION that’s a 200x gain. In other words, $10,000 turns into $2,000,000.And if you focus on the legitimate currencies, the gains are much greater.So, again, we are very much in the beginning of this. There is no other investment opportunity in our lifetime greater than this. And we ARE at the beginning.What are the legitimate cryptocurrencies?There are many. I don’t want to get into the weeds here and discuss all the technology.And I also don’t like all the speculative trading that is going on in cryptocurrencies. Speculation leads to scams and bubbles.But just like there were Internet companies that survived the bust and became the companies we use every day, there are cryptocurrencies that exist now that we will use every day ten years from now.You said on CNBC that Bitcoin will go to a $1,000,000? Were you kidding?No.Bitcoin hit $20,000 recently. We just said it could go at least as much as 200x higher. That’s $4,000,000. So even at $1,000,000, Bitcoin will be a buy.How else can one make money in the Bitcoin sector?You don’t have to be a software developer.When the gold rush hit in the 1800s, Levis Jeans became the big winner. And the companies that sold “picks” and “shovels”.There will be many picks and shovels companies in the Bitcoin space.Sites that have the latest bitcoin news and analysis will do well. Exchanges will do well. Companies that help integrate traditional companies with the deeper parts of Bitcoin technology will do well (like whoever is helping UPS integrate blockchain tech into their logistics).Companies that help new cryptocurrencies launch will do well.And on and on.Someone said you called “Bitcoin is a Ponzi scheme” in early 2013. Why should we trust you now?First, I’m always a believer that the best investment is in yourself. This will provide greater than 200x returns.That said, I was wrong in early 2013.I’ve been a software guy for 25+ years. I’m able to do my research. Which I did.By May 2013 I had already done enough research to build my own bitcoin store, go on CNBC and discuss Bitcoin, and be an advocate when it was just $60. This is all public info.But, for me, focusing on my physical health, emotional health, creative health, and spiritual health, will always be the most valuable “Currency” I can develop and trade in.Could Bitcoin be just a fad?No.Paper money DOES have the problems described above. Someone has to solve those problems. Bitcoin and other cryptocurrencies solve them.And every industry evolves. Cryptocurrencies are the “In Data We Trust” way in which money is evolving.And $750 BILLION believes in me on this.Who is Satoshi?Satoshi is the secretive founder of Bitcoin. He is worth many many billions in Bitcoin right now. He is anonymous and reporters, governments, etc have never figured out who he is.That said, a number of people know who he is. I read his blog every day, He is a secretive person and nobody wants to blow his cover.Well, what should I do now?Don’t listen to me.a. Get an account on Coinbase (or wherever). Buy $10 worth of Bitcoin just to taste and feel it.b. Then read. Read a lot.Here’s some books not about Bitcoin that are worth reading:Sapiens by Yuval HurariThe Evolution of Everything by Matt RidleyThe Ascent of Money by Niall Ferguson.Antifragile by Naseem TalebThere’s a lot of discussion of cryptocurrencies on Reddit and Twitter. DO NOT read those. Most of those discussions are filled with trolls although there are some decent sources there.Blogs / Sites: start with Coindesk and CoinTelegraph. You'll find the rest as you read more.
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What has been the most positive/fulfilling moment of your life so far?
It's weird but my happiest moment has to be one in which I wasn't even present physically. TL;DRLet me explain:Every year during the annual day of my school, the toppers were given certificates for performing excellently in academics. For the Boards topper, it was the parents who were given a trophy and certificate of excellence for their ward's performance. I was always a good student in school. Always stood in the top 3 in my class. And I remember, right from 5th or 6th standard I had this dream that one day I'd see my parents go up on that stage and receive the memento. I used to see the look on the faces of the other parents who went up on stage and always thought one day my parents will have that same look. At this point let me tell you that I'm an introvert of the worst kind. I can't show love, I don't know how to. I love my parents, always did, but never knew how to show it to them. Therefore this, I wanted to do for them. They have always been extremely supportive of me and I just wish I had some way to give them back whatever they had done for me.So, okay then Grade 10th started, and I lost all direction in life. I got a girlfriend, the first one I ever had, and naturally(I guess) she became the topmost priority in my life. I was never a bookworm, so I got through the first semester well and I was kind of really happy having a girlfriend and stuff.Then January came and then February and I had the worst two months of my life. I had a breakup, the worst of the kind that could happen. She went away to her hometown, in a different state, once the prep holidays for the Boards started. We talked regularly for a few days and then all of a sudden she says we have to break up. I thought she was kidding, but then she wouldn't pick up my calls or reply to my texts. It drove me mad. Plus, I had my pre-boards approaching and I knew absolutely nothing! And then I came to face with such a news that my whole world came crashing down. I received a text from my ex-girlfriend, but only it wasn't meant for me. It was meant for my closest friend of 12 years. She had sent it to me by mistake. Yes, they were together. I couldn't believe it for my life. I was shocked beyond belief. My girlfriend for 1 year was cheating(not technically possibly, we had broken up.) on me with my best friend of 12 years. All this was about January end and I had my pre boards starting in a week and my Boards in 1 month. I could not do anything for 2 days. I hadn't studied anything either. And our pre boards had the worst schedule with 5 consecutive days of two papers each(I was in ICSE boards, and we had like 10-11 papers in all). The syllabus was huge. Somehow I would study the night before the exam each day, go to school, avoid all contact with anyone, just write the exam and come back. That was the worst week of my life. I couldn't sleep or eat. I would vomit frequently. I remember crying at night too.My parents took me to a doctor but he said there was nothing wrong with me physically, still I couldn't sleep. My parents got really worried too. They knew nothing about my relationship and stuff, I never told them about it. They thought it was all because I was worried about my exams, which I really was too, and they told me to take it light and relax a bit. I don't know how but I managed to clear all my subjects in the pre boards and got decent marks too. But I still didn't know more than half the stuff in all courses with only about 15 days to go before the papers. I remember I had a talk with my ex-girlfriend after the pre boards and I shouted at her like hell. I was really tensed after the call, and I could see my impending doom with the Board exams just a few days away. I was almost like screw the boards!All through this, my parents were extremely supportive. They thought I was worried about the Boards and told me to relax and that this was just an exam and I really didn't have to worry so much. My best friend was gone, my girlfriend was gone, my studies were going no where but still my parents were with me. That was when I decided to screw everything else and study for my exams like never before. If not for me, at least for my parents, at least so that I can have that dream of mine fulfilled. But the idea really seemed far fetched with only about 10 days to go before the Board exams started.But that 10 days and the one month for the Boards(entire March), I just studied and studied with the utmost determination. I had never studied so hard in my life before. I cut out everything else - TV, computer, phone calls. I studied and studied single-mindedly, stubbornly almost. And I did it, I did the impossible(at least, according to me). I topped my school with almost 95% marks. It was unbelievable. Even after the Boards got over, I thought I'd get something like 85% or something. I was satisfied with the way I had studied for the Boards but I was kind of dejected that I wouldn't be able to see my dream come to life. So when the results came out, I was over the moon.However, right after the results I moved to a different city to prepare for IIT-JEE. It was over the phone one day, that my parents told me that they had been to the school to collect my trophy and a cheque and a certificate. They told me how wonderful and respected they felt. It was pure bliss! I was disappointed I couldn't see them go up on that stage myself but in hindsight I feel it's better and adds to the dreaminess of the moment. I can imagine the same pictures which I imagined as a sixth grader, only now I know it actually happened.P.S. - I managed to score an even higher % in the 12th Boards and also managed to crack JEE and am in one of the reputed IITs currently. However, I still consider my class 10th Boards achievement a bigger and more satisfying one, simply because of the sheer circumstances and my reasons for which I wanted it to happen.P.P.S. - I still haven't talked to my best friend since.
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How do I start startups in India?
Before starting I’d like to put a point that diving into the business after reading the overnight success stories is not a good idea. This is not to demoralize anybody. Everything encouraging and motivating starts below. This is a long answer because I have covered mostly everything you may need to know.-: If you're a student :-If you're a student, you can (and should) start your entrepreneurship now because currently you don't have to worry about earning your bread and butter as long as your parents are feeding you.You can start by:creating your own games/fun apps and upload them on play stores and earn by advertising.by creating tutorial videos on programming and upload them on YouTube and earn by advertising.Start blogging on a subject which is your favorite, you're well-skilled in and people may also find interesting. And again, earn by advertising.Ask the shoppers in your local market if they need any website/software (if you're from a small city; be mentally ready for this scenario: 1 out of 100 local vendors will be interested in your proposal, 1 out of 100 interested ones will give you a project and 1 out of 10 will give you full payment). This is slowest but the best approach. Once you have built a project, all you need to do is resell the same with minor changes to many business. And you don't realize but you really go in depth while learning the technologies, increasing your professional skills.Don't expect too much earnings in beginning. All the above-mentioned ideas need too much time for earning good. Unfortunately there are plenty of people who have idea and want to startup. Fortunately, few of them really start.Don't ignore your college. If you can't earn your bread and butter from your startup, you won't be able to survive after college. Situations may come when you may need to leave your business and find a job. At that time you may lack some skills you need to get the job — the skills you missed learning them in college because you were busy building your own company.-: If you're not a student :-Get experience. Find a job and continue it if you have already. Get to learn how companies bring new projects. How they advertise and do marketing. Learn how they execute and deliver the project. What difficulties do they face after delivery. After diving into business, you'll have to do/manage all that stuff by yourself.Don't leave the job until your business makes you earn more than your job. Really! You may have read a number of stories saying leave your job today and start business. But don't forget that they are selling their stories. They may write whatever they find interesting.Start your business when you have not a problem of survival. Without a job, you'll have to worry about your survival. Manage your bread and butter from your job, save money and invest it into your business. Once you feel you earn enough from your business to feed yourself and your family, leave the job immediately and concentrate on your business.In other words, I'm neither discouraging you to start a business nor insisting upon to continue your job for too long; I'm just pointing out that it will be good to wait for the right time to start your business. The time when you have enough knowledge of business, clients base and a rough idea of business processes and SOPs.-: About the legal things :-In India, there are many ways to start a business. Two of the most suitable for you:Setting up a private limited company: Needs at least 100000 rupees of initial capital, 20-30 days and at least two directors. Contact any CA (Chartered Acountant) or CS (Company Secretary) to start your own private limited company.At the end of every fiscal year (1 Apr - 31 Mar) you will need to file your balance sheets.Registering as a firm at local Administrative offices. If you want to start quickly and easily without hassles and large investments, this is the best option. Contact your Nagarpalika/Mahanagarpalika. They will issue you a certificate for a minimal charge of less than Rs. 300. It will take hardly 2-3 days. All you need to show them are your identity, the kind of business, address proofs of a physical office (may be a rented office or your friend's office or your own office) in a commercial building. (Don't show your home as your office otherwise your father may need to pay commercial taxes instead of residential taxes. Commercial Taxes are 3 to 4 times then residential taxes)Not necessary but recommended: If you're following this option, get a separate PAN card and Bank Account for your firm. In a long run, it will be beneficial when you will convert your firm into a company.About taxes: Don't worry for now. You do not need to pay income tax if you're earning less than 2.5 lakh a year. Once you cross this, you'll pay 10% of your income.Service tax: (at 14.5% on your services and that too payable by your customers) After your income has increased 10 lakh rupees a year.Other options are also available such as setting up a Public Limited Company or Limited Company or LLC. But they need too much investment and staff. So leave them for now.
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