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FAQs
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What’s the rudest customer service experience you have ever had?
So we had been with a certain national bank for about 12 years. We had issues with them off and on, but it wasn't enough to make us want to go through the hassle of finding a new one.Then 2016 happened.It was a chaotic but exciting time for my family. We sold our house and upgraded just a few miles away. Naturally, we were excited but had a long list of things to update. Included on that list was the bank information.We walked into the local bank branch to change our address about a week before we moved. No harm; no foul. It was easy enough.Most of our banking is done online, so it wouldn't be shocking not to receive statements to our new address. I started to realize though that some letters to new address were just addressed to my husband and not myself. Odd, but it's not alarming yet.My debit card expired in December of that year, and around late October I received an email indicating that a new debit card had been mailed to me. Sweet!Only it didn't come. We waited. And waited. And waited. We would call, only to be told that it could take a few weeks.No new debit card for me. Meanwhile, my husband had already received his.Going online, we realized that they had the old address for me still listed. Once again, we trudged down to the post office to get it changed.Side note: Why wasn't mail being forwarded? Good question. Our city postal service struggled with that regardless of our efforts. Different story.Anyway, the next week it was - again - going to be sent to me. And again, no new debit card. It was sent to my old one.This went back and forth for weeks. For some reason, they would not update my address. Usually they would just cancel the debit card that had been sent to the wrong address, but in mid-December they actually canceled my working card, too. Oops.Finally we signNowed an agreement with a supervisor that a new card would be overnighted to one of the few branches open on Christmas Eve. It should be in their mailbox by 11 AM, which would leave us time to still head out of town for the holiday.We made our way down to the branch. It wasn't really close to us, but I really needed a working debit card. We went into the branch, which was located within a grocery store.Two people were working.One other person was in line. One teller was on the phone.When we signNowed to the counter, we explained our situation. We were hopeful that this would solve our issues. Unfortunately, it went south. Fast.The first teller flat out told us to get to the back of the line (by now there were a few other people) because she was busy with other customers. We looked around - she was busy with US. We are customers with a healthy bank account, so...how were we not CUSTOMERS?We asked for clarification. All we wanted was her to check the mailbox for an overnighted envelope with my debit card in it. Mind you, I had no working card.She started yelling, saying she couldn't leave her customers and to - again - get to the back of the line. We calmly explained that we were customers, too. At some point she would have to assist us. We just needed her to check her mailbox. Please. Please. Please.I was almost crying at that point. This entire situation has been a mess despite doing everything we could on our end.That set her off. By now, we had both tellers screaming at us to get out of their bank....all because we wanted her to check the mailbox. For my debit card. Which their bank continuously failed to send to the correct address.I wish I were kidding. If I could get the video footage of it, I would.We immediately placed a call to the bank's call center to at least get it noted what was going on. The supervisor, though at first defensive of the tellers, quickly admitted that they both acted inappropriately. We were even given a credit of like $50 for our trouble. (Weee!)He overnighted ANOTHER new card to my parent's address, which thankfully came on Dec. 26.He also FINALLY updated my address in their system. He had no idea why no one else had been able to update it.Flash forward to March. It was payday, and I had tried to buy a Groupon for something like bowling for the family. My card was declined -- interesting. It also happened at the same time that other people were tweeting that they weren’t able to use their debit cards either. There must be a national outage, right?Wrong.My boss frantically contacted me to ask if everything was okay - my paycheck had not gone through.Naturally, we called to find out that the bank had terminated our relationship. They claim that they sent us a letter in January, but we never received anything like it (though I don't know if I should blame them or our postal service for that one).Why did they terminate our relationship, you ask?Easy: we were in violation of "misconduct" with the tellers who apparently reported us as being belligerent. We may have raised our voices slightly, but it was THEY who yelled at US. I’m not exaggerating here. I’ve never had two grown women yell at customers like those two tellers.No one wants to work on Christmas Eve, but come one now!There was no appeal. It was a done deal - they didn't really care about our side of the story.It turned out in the end because we love our new bank, but dang - it was one of the worst experiences we had ever gone through with bad customer service that went on to actually hurt us beyond the incident.Funny enough, the bank still sends me emails asking me to open a new checking account.
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How do I file income tax return in India?
Greeting Friends !!!If you are going to file it yourself, then following is the procedure:-Before you start the process, keep your bank statements, Form 16 issued by your employer and a copy of last year's return at hand. Next, log on to http://incometaxindiaefiling.gov...Follow these steps:Step 1: Register yourself on the website. Your Permanent Account Number (PAN) will be your user ID.Step 2: View your tax credit statement — Form 26AS — for the financial year 2015–16 . The statement will reflect the taxes deducted by your employer actually deposited with the I-T department. The TDS as per your Form 16 must tally with the figures in Form 26AS. If you file the return despite discrepancies, if any, you could get a notice from the I-T department later.Step 3: Under the 'Download' menu, click on Income Tax Return Forms and choose AY 2016–17 (for financial year 2015–16 ). Download the Income Tax Return (ITR) form applicable to you.Which Income Tax Return Form Require to file or applicable F.Y. 2015–16 by Hetal M Kukadiya on Tax Knowledge Bank - IndiaStep 4: Open the downloaded Return Preparation Software (excel or Java utility) and complete the form by entering all the details , using your all documentsStep 5: Ascertain the tax payable by clicking the 'Calculate Tax' tab. Pay tax (if applicable) and enter the challan details in the tax return.Step 6: Confirm all the information in the worksheet by clicking the 'Validate' tab.Step 7: Proceed to generate an XML file and save it on your computer.Step 8: Go to 'Upload Return' on the portal's left panel and upload the saved XML file after selecting 'AY 2016-2017 ' and the relevant form. You will be asked whether you wish to digitally sign the file. If you have obtained a DS (digital signature), select Yes. Or, choose 'No'.Step 9: Once the website flashes the message about successful e-filing on your screen, you can consider the process to be complete. The acknowledgment form — ITR—Verification (ITR-V ) will be generated and you can download it.Step 10: you can Verify online with EVC Pin or Take a printout of the form ITR-V , sign it preferably in blue ink, and send it only by ordinary or Speed post to the Income-Tax Department-CPC , Post Bag No-1 , Electronic City Post Office, Bangalore - 560 100, Karnataka, within 120 days of filing your return online.Its Advisable to go with CA help for filling Tax return. There are lots of amendment come in every year, to file accurate return and Tax planning benefit etc so Prefer to go with expert like CA, Tax Preparer etc…Be Peaceful !!!
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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 do physicists think of Abhas Mitra?
Dr. Abhas Mitra is an Indian astrophysicist who has received quite a bit of media spotlight for his claim of having solved the famous black hole information loss problem. He has a fairly large following among younger Indian students. However, mainstream physicists in both India and elsewhere do not take his claim seriously.I am not an astrophysicist and cannot comment on his work in astrophysics. However, most physicists (including myself) consider the solution to black hole information loss put forward by Mitra to be not only incorrect but incorrect at a very elementary level. Mitra’s solution is itself quite elementary. It does not even go into the paradox, which is deep and subtle, but simply claims that black holes don’t exist. At the basis of this claim is nothing more than a common confusion that many physics students have when they first learn about black holes.Mitra has tried to back his claim up by some calculations. I had written an answer couple of years ago explaining exactly why they are mistaken. A first year student of science or engineering should be able to see why it is wrong. I believe someone later published a paper making the same point.Dr. Mitra is known to be a staunch and indefatigable defender of his claim, so most people don’t think it is worth their time to engage.I can see that the story of an Indian physicist upstaging famous names like Hawking is an attractive narrative that feeds into our patriotism, but it is a really inaccurate one. It is not possible to solve something as deep as the black hole information paradox using undergraduate level knowledge. Someone would have solved it otherwise, the field is full of exceptionally talented individuals.It is really the fault of the media who don’t do their due diligence before publishing such claims. If they had spoken with any of the Indian experts on General Relativity, like J.V. Narlikar for instance, he would have set them right.There’s no dearth of real achievement by Indian theoretical physicists but unfortunately the media ignores these and goes for hype. Ashoke Sen is widely regarded as one of the top string theorists in the world. In the subject of black hole information loss paradox itself we have people like Samir Mathur and Suvrat Raju who are working at the cutting edge of the subject and have already contributed richly to it. They have proposed different solutions to the paradox and even if one or both of the proposals turn out to be incorrect we will have learned much from them. These are deep and sophisticated papers which serious people take seriously. But they are never covered by the media.Suvrat RajuSamir Mathur
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India: What are the steps to fill an income tax return by myself in India?
what are the steps to fill tax return by myself in INDIA? Steps to be followed:-1. Check your tax credit online -The form 26AS has details of tax deposited with the income tax department on your behalf. This includes the TDS on bank deposits, salary, consultancy charges, or even sales of property. You can access it on line through your net banking account if it is linked to your PAN. Check whether the tax paid by you is reflecting in the form 26AS.2. Rectify mismatch, if any 1. in case oif mis match get the deductor to rectify and file a revised TDS return. this is important because tax department goes by what is stated in your form 26AS...
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I have lost my RC book. Who can get me a duplicate RC book in Bangalore, Indiranagar RTO?
I applied today(25 April 2017) for a duplicate RC smart card in Koramangala RTO. There are a few changes in process from those mentioned in other answers. So, i thought I will write up the updated process.Step 1: File a police report onlineGo to http://bcp.gov.in/ and click on ‘Lost and found’ and register the lost report for your RC. Make sure you read the FAQ page on the website. It is very informative.There is no need to go to the police station. My online police report was accepted by the Koramangala RTO.Step 2: Get a B-extract from a Bangalore One centre.Visit any Bangalore one centre ...
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How do I file my income tax myself?
Greeting Friends !!!If you are going to file it yourself, then following is the procedure:-Before you start the process, keep your bank statements, Form 16 issued by your employer and a copy of last year's return at hand. Next, log on to http://incometaxindiaefiling.gov...Follow these steps:Step 1: Register yourself on the website. Your Permanent Account Number (PAN) will be your user ID.Step 2: View your tax credit statement — Form 26AS — for the financial year 2015–16 . The statement will reflect the taxes deducted by your employer actually deposited with the I-T department. The TDS as per your Form 16 must tally with the figures in Form 26AS. If you file the return despite discrepancies, if any, you could get a notice from the I-T department later.Step 3: Under the 'Download' menu, click on Income Tax Return Forms and choose AY 2018–19 (for financial year 2017–18 ). Download the Income Tax Return (ITR) form applicable to you.Step 4: Open the downloaded Return Preparation Software (excel or Java utility) and complete the form by entering all the details , using your all documentsStep 5: Ascertain the tax payable by clicking the 'Calculate Tax' tab. Pay tax (if applicable) and enter the challan details in the tax return.Step 6: Confirm all the information in the worksheet by clicking the 'Validate' tab.Step 7: Proceed to generate an XML file and save it on your computer.Step 8: Go to 'Upload Return' on the portal's left panel and upload the saved XML file after selecting 'AY 2018-2019 ' and the relevant form. You will be asked whether you wish to digitally sign the file. If you have obtained a DS (digital signature), select Yes. Or, choose 'No'.Step 9: Once the website flashes the message about successful e-filing on your screen, you can consider the process to be complete. The acknowledgment form — ITR—Verification (ITR-V ) will be generated and you can download it.Step 10: you can Verify online with EVC Pin or Take a printout of the form ITR-V , sign it preferably in blue ink, and send it only by ordinary or Speed post to the Income-Tax Department-CPC , Post Bag No-1 , Electronic City Post Office, Bangalore - 560 100, Karnataka, within 120 days of filing your return online.Its Advisable to go with CA help for filling Tax return. There are lots of amendment come in every year, to file accurate return and Tax planning benefit etc so Prefer to go with expert like CA, Tax Preparer etc…Be Peaceful !!!
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