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Add Electronic signature Word Safe. Explore by far the most user-friendly experience with airSlate SignNow. Handle your entire document processing and discussing method digitally. Move from handheld, document-centered and erroneous workflows to computerized, computerized and faultless. You can easily make, deliver and signal any files on any device anywhere. Make sure that your crucial company situations don't slip over the top.
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- Create your airSlate SignNow account in clicks or sign in with your Facebook or Google account.
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FAQs
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Who are the 2013 Top Writers on Quora?
I am, strangely enough. My output has waned over the last year as I've become busier. But I'm happy to take the fleece. In the meantime, enjoy some of my greatest hits of the past year, most of which are not that great: Biology * Shan Kothari's answer to Is it a good idea to interbreed the various endangered tiger subspecies like the Sumatran, Malayan, Indo-Chinese, South China, Bengal and Siberian tigers so that they have more genetic variation? [ https://www.quora.com/Is-it-a-good-idea-to-interbreed-the-various-endangered-tiger-subspecies-like-the-Sumatran-Malayan-Indo-Chinese-South-China-Bengal-and-Siberian-tigers-so-that-they-have-more-genetic-variation/answer/Shan-Kothari ] * Shan Kothari's answer to Can giraffes swim? [ https://www.quora.com/Can-giraffes-swim/answer/Shan-Kothari ] * Shan Kothari's answer to Ecology: What do ecologists think of Lotka-Volterra? [ https://www.quora.com/Ecology-What-do-ecologists-think-of-Lotka-Volterra/answer/Shan-Kothari ] * Shan Kothari's answer to What is the future of big data in ecology? [ https://www.quora.com/What-is-the-future-of-big-data-in-ecology/answer/Shan-Kothari ] * Shan Kothari's answer to What is hermatypic coral? [ https://www.quora.com/What-is-hermatypic-coral/answer/Shan-Kothari ] Philosophy * Shan Kothari's answer to Why did Blaise Pascal not immediately understand the "which god" problem with his wager? [ https://www.quora.com/Why-did-Blaise-Pascal-not-immediately-understand-the-which-god-problem-with-his-wager/answer/Shan-Kothari ] * Shan Kothari's answer to Philosophy of Mind: What is functionalism? [ https://www.quora.com/Philosophy-of-Mind-What-is-functionalism/answer/Shan-Kothari ] * Shan Kothari's answer to Do ethical philosophers tend to be more ethical? [ https://www.quora.com/Do-ethical-philosophers-tend-to-be-more-ethical/answer/Shan-Kothari ] * Shan Kothari's answer to Can you be a philosopher and still believe in god? [ https://www.quora.com/Can-you-be-a-philosopher-and-still-believe-in-god/answer/Shan-Kothari ] * Shan Kothari's answer to What are the main differences between epiphenomenalism and materialist reductionism? [ https://www.quora.com/What-are-the-main-differences-between-epiphenomenalism-and-materialist-reductionism/answer/Shan-Kothari ] * Shan Kothari's answer to What has philosophy contributed to society in the past 50 years? [ https://www.quora.com/What-has-philosophy-contributed-to-society-in-the-past-50-years/answer/Shan-Kothari ] Other: * Shan Kothari's answer to What are some famous pictures that ruined people's lives? [ https://www.quora.com/What-are-some-famous-pictures-that-ruined-peoples-lives/answer/Shan-Kothari ] * Shan Kothari's answer to Why is it common liberal policy to reject Social Darwinism despite wholeheartedly embracing evolution? Why this contradiction? [ https://www.quora.com/Why-is-it-common-liberal-policy-to-reject-Social-Darwinism-despite-wholeheartedly-embracing-evolution-Why-this-contradiction/answer/Shan-Kothari ] * Shan Kothari's answer to Who are the best or most famous Christian poets? [ https://www.quora.com/Who-are-the-best-or-most-famous-Christian-poets/answer/Shan-Kothari ] * Shan Kothari's answer to What are the most impressive intellectual achievements completed by persons under 20 years old in terms of the influence, magnitude, depth, scope, creativity, or difficulty of the achievement? [ https://www.quora.com/What-are-the-most-impressive-intellectual-achievements-completed-by-persons-under-20-years-old-in-terms-of-the-influence-magnitude-depth-scope-creativity-or-difficulty-of-the-achievement/answer/Shan-Kothari ] * Shan Kothari's answer to What is it like to attend a REU? [ https://www.quora.com/What-is-it-like-to-attend-a-REU/answer/Shan-Kothari ] * Shan Kothari's answer to What directors chose the same people to work with time and time again, in any roles, and who are these people? [ https://www.quora.com/What-directors-chose-the-same-people-to-work-with-time-and-time-again-in-any-roles-and-who-are-these-people/answer/Shan-Kothari ]
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Who are the Top Writers on Quora?
Balaji Viswanathan (பாலாஜி விஸ்வநாதன்)If ever you want to learn something new on daily basis.please switch on the notifications from Balaji Vishwanath sir.Awdhesh Singh (अवधेश सिंह)In case if you are wandering for the best views from an intellect,he is always on cards !Gopalkrishna VishwanathIf ever you wanted a simple answers with so much of life experience,don't forget to follow Gopalkrishna Vishwanath sir!Abhimanyu SoodIf you want to hear a story,please don't miss this guy.. he is my fav!User-9248814863030902883In case if you crave for travel experiences,this guy is fantastic ! Sinless bloke indeed.Sean KernanSarhad ChoudharyIn case if you are eager to know son and grandson of quora ..don't forget these wonderful guys !Vishak RamanIf you want to keep reading and getting lost.he is nice to read! Unique guy I must tell you !Dhawal BarotIf you seem very interested in shortest feel good stories,this guy tops the list!Loy MachedoWhenever you feel low,reading his answers can make you feel better!The list continues !And if ever you want to read some stupid answers follow this guy! Raghavendra MThanks for reading
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What is the best way to sign a PDF document?
EchoSign. They were recently acquired by signNow and the tool was integrated into the recent update to Reader. With signNow X (10.1.1), you can now click on the EchoSign link directly in Reader and you’ll be taken straight to the EchoSign page where you can start signing, sending and tracking your PDF documents. The entire signature process from the request for signature to the distribution and execution of the form or agreement is done online. The EchoSign signature service provides a secure subscription-based service to individuals, SMBs and enterprise customers. It enables real-time visibility into the signature process and automatically storing and managing all signed documents. https://secure.echosign.com
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What are the best anti-theft devices for cars?
The "engine immobilizer" is by far the best anti-theft device we will ever need. Good to note that this feature has already hit the market (Indian) in almost all carsHow it works is very effective & fool proof - the car key has a small radio transmitter which transmits signature radio waves. These waves are picked up by the RF receiver which is part of one of the electronic modules of the car. Only when this signal is received by your car and verified, the ignition happens. These RF waves works only within a short radius which means that the key should be very much in the vicinity of your car when you start your engine.Even if someone manages to gain entry into your car, they will never be able to fire the engine unless they manage to replace or bypass the module. But the flipside is (many will argue this is no flipside), if you lose the keys you will have to get new keys from the car manufacturer & this would take its own lead time.I wanted to add this accessory, but found that it can't be done at any dealer/service station. It either comes with your car or you can't have it!!In simple words, if you manage to keep your car keys safe, your car will be safe!!!
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Why are Chinese products cheaper?
In the words of Tim Cook: "The popular conception is that companies come to China because of low labor costs. I'm not sure what part of China they go to, but the truth is China stopped being the low labor cost country years ago. That is not the reason to come to China from a supply point of view, the reason is because of the skill."Let us look at the concept of labor or the involvement of labor in an every-day product. Let us compare 2 products: a plastic fork vs a plush toy. Although both products fall on opposite spectrums of the consumer life cycle (one disposable whilst the other one is reusable), both are sure to be made in China.A plastic fork is made from food-grade Polystyrene (PS) plastic pellets or beads through a process known as plastic inject molding. In here the pellets are heated in a molding machine to a viscous state and are injected into a mold. The mold produces multiple sets of forks within a matter of seconds and from there on it’s as simple as detaching the forks from a sacrificial (?) holder or tool (this is also made of PS and in most cases is recycled). From here the product is moved into packaging and then sent out of the factory for export. A fully automated machine can be set to run continuously 24 hours a day with very little monitoring by a worker, thus being a low labor product.Now, let us look at that plush toy. The stuffed animal is comprised of textile material for the cover, stuffing, two eyes and a nose. The material must be cut into pieces, sewn together and stuffed. The nose, eyes and mouth are sewn onto the material together and stuffed, requiring skilled labor(-). The cutting of the pieces may be done by hand or by machine, but the pieces are sewn together by a worker using a high-speed sewing machine. Next comes the insertion of stuffing – this is rather complex for a machine to do, as such the insertion is done by hand and the insertion point is also manually closed. It is evident that this requires much labor, therefore, this type of a product is considered a high labor product with labor contributing 70% of the total cost [1]. In the end, much like a fork, the product is moved and packaged for export.Because labor is only one part of the total cost of a product, and in many cases it's as low as 20% of the total cost, – this must indicate that there may be other factors at play in making Chinese products, such as the fork. If labor were the only factor, then most of the “plush toy/labor intensive” industries would have shifted to other countries – but only some industries already have e.g. Bangladesh, Vietnam and Mongolia to name just a few. To that extent, manufacturing of plastic forks could possibly return to the USA; but that’s not happening.Industrial production does not take place in isolation, but rather relies on networks of suppliers, component manufacturers, distributors, government agencies and customers who are all involved in the process of production through competition and cooperation. The ecosystem of doing business in China has evolved quite a lot in the last thirty years. Here are the additional factors, including labor, that affect the overall cost of manufacturing and thus make Chinese exports cheaper:A. Commendable supply chain: Supply chain activities transform natural resources, raw materials, and components into a finished product that is delivered to the end customer. No country, at present, has a supply chain more sophisticated yet flexible than China. China’s biggest advantage is their domestic availability of most of the raw materials required to manufacture a given product [2]. Not only are private entities involved in the process of outputting raw material for manufacturing. Rather, many Chinese State Owned Enterprises (SoEs) actively control and output raw materials for small factories to transform into ready-made goods. If the government is involved in such activities, it is safe to assume that this is an active industry that requires not only oversight and monitoring, but active involvement. Access to affordable raw materials helps bring down manufacturing costs to a considerable extent. As a result, having suppliers who are local to the manufacturer has gained importance as a way to cut costs[6].B. Rebate upon Export: The export tax rebate policy was initiated in 1985 by China as a way to boost the competitiveness of its exports by abolishing double taxation on exported goods[7]. China is one of over 150 countries that utilize a Value Added Tax (VAT) system. It is a tax only on the "value added" to a product, material, or service at every state of its manufacture or distribution. The VAT rate is generally 17%, or 13% for some goods. Chinese companies receive a VAT refund from the government for materials of products produced for export. Basically, factories that export do not pay any VAT on goods or raw materials used made for export – further subsidizing raw material costs. American imports to China are charged a VAT, but the U. S. doesn't have a VAT to charge Chinese imports. Moreover, Chinese manufacturers work with far lower profit margins than those in the U.S.C. Efficient Infrastructure and Logistical Access: In its fast-paced effort towards industrialization, China has built many ports (big and small), roads and railroad access. Such a system is not secluded to the big cities (Tier 1 or Tier 2 cities), it connects all of them, including Tier 4 cities or small towns used as industrial manufacturing zones. Having an efficient logistical system allows for cheaper travel costs –the cost of units (kilometers or miles) per currency (dollar or RMB) decreases. Also, an efficient infrastructure reduces overall downtime. Such is the case of India, as pointed out by Vaibhav Mandhana [3]: “Given the poor roads, a shipment from India's north can take a week or more to signNow India's south. Sometimes it is quicker and cheaper to actually get a shipment from Shenzhen than Kolkata. Time is money and all those delays add to your cost. If I could get something in two days, I could sell it immediately rather than wait two months to sell it [add up the interest costs]”"The road freight from LA to Nevada will cost you a lot more than the sea freight from China to LA."[5]D. Subsidized Utilities and Availability: Within China’s industrial areas many fixed and variable production costs are heavily subsidized. For example: electricity and water are subsidized up to 30% compared to normal household or commercial zones. Moreover, the local government gives support with land access at competitive rates, creating jobs in the area. This further helps to diminish the cost of the end product – after all you have access to cheaper land, water and light (What manufacturing does not require these? - Hell, even mining bitcoin does!). In non-industrialized or not fully industrialized countries (Indonesia, Vietnam, India), access to water and electricity remains a critical issue, until today. “In Coimbatore and other industrial places, you get power for like eight hours a day. That means the machinery lies idle for sixteen hours and that wasted capacity adds to the cost.”Do we see a trend of several factors, other than labor, which affect the overall cost of the product? Hold on, there are more!E. Bureaucracy: Barriers for entry in China, in this context, are extremely low. Although you need to fill out a huge number of papers (Customs Declaration Form, Land Annexation, Tax Filing, Compliance Related Documentation, Drawback/Rebate Forms, Annual Returns and etc.), the process is not complex. Relevant departments and accountability are there; you do not need to grease palms to get what you need; streamlined government policies are in place. Again, non-industrialized countries do not have many of these processes in place – they are in the early stages, whereas China has been through all this. I am not saying China is pure and not corrupt, there might be corruption in some cases, but the overall industrial process is so deeply rooted, that people just follow established guidelines. Greasing palms and running around places to get a stamp or a signature causes further delays (time is money) and increases overall costs. This is considered more as “Political Will” than bureaucracy; meaning the government’s will to allow you to do business is prominent thus reducing barriers for you to do business or manufacture or engage in services.F. Technology and Automation/ Skilled Labor: It would be unreasonable to discard China’s interconnectivity between technological advancement and manufacturing capacity. They work hand-in-hand. Availability of the latest technology to manufacture products of a high quality on a large scale. And let's be honest, scalability can be a very important factor in deciding price of a product. Apart from technology, China has a large population, thus having a bigger access to a wide talent pool. Availability to a greater talent pool decreases the overall demand as there is an oversupply – again, denting the costs of the product. If you recall, Tim Cook's main reason for manufacturing in China is: the depth of highly skilled labor in the manufacturing space. To rephrase what Cook said: "No other country in the world besides China has the combination of an electronic component supply chain and large pools of skilled labor needed to make iPhones on the scale which Apple needs."G. Labor: It is comparatively cheaper to many so-called “developed countries”. You can have someone do the same labor task for a comparatively lower price than say Europe or the USA for that matter. This further brings down costs. As noted before, it is not the cheapest – but it is not the most expensive either. What is important to remember here is that labor in China, is skilled – although most laborers are not trained, but have learned by doing. When you outsource to China, you’re working with time-tested factories that have been producing quality products in similar industries as yours for years on end, and in massive supply.Where a labor task might cost you $8-9 USD/hour in developed countries, it will cost you $450-500 USD for an entire month in China (8 hours a day, 28 days a month). If you do the math, that’s about $2.19 USD/hour. Countries like Indonesia a semi-skilled laborer will do it for half, $1.05 USD/hour – but the manufacturing process will be influenced by factors all the factors mentioned.H. Local Government: Local government officials are appointed, not elected. Part of their job is to help the industries and they are measured by results. Furthermore, locals compete with each other. That means Suzhou is competing with Chengdu to attract industries, and so on. Hence officials are always using their local advantages to help, attract, and grow industries, such as providing low cast land, building industrial parks, and making sure that the support infrastructure (roads, electricity, water, etc.) even local housing and schools are there. Since these officials are not elected locally, their actions are much more efficient rather than dealing a motion to go through town hall meetings or waiting for a ballot to pass for months. The downside of such efficiency could be that some environmental studies were not complete or many local concerns are not addressed fully (All credit for how to local governments operate within China go to Mr. James Yeh ).Here are few controversial factors, claimed by several sources:I. Currency: There is the ever-present theory of currency manipulation among economists, where China undervalues their currency by an estimated 30%-40%, which simply makes every product that China ships out 30-40% cheaper than those of a potential American competitor. The Yuan is manipulated and pegged undervalued to the US dollar [2]. So the price quoted in US dollars( more exports are quoted in dollars), will be cheaper than normal; (This manipulation has affected the domestic price of the product and labor wages as it has been kept much lower than it should have been. The Chinese yuan has, however, been steadily increasing in value against the dollar over the past few years.J. Compliance: The Chinese government does not bind itself with Intellectual Property issues. They allow the industry to investigate the products developed successfully elsewhere in the world. They then produce them in large quantities. Personally, there is nothing wrong in this benchmarking. Most industries do benchmark; especially in the automotive world. This saved the industry from expensive investments in R&D [4]. Although China has its own environmental protection agency, the environmental protection laws are generally lax and not enforced fully, especially at the local level. In previous years, Chinese factories cut down on waste management costs -further bringing down overall product costs. Things have been different lately, thanks to the strong efforts from the national government. Laws on IP and environmental protection are being enforced, especially after the Hangzhou G20 summit. There is still some belief that more needs to be done.If cheap labor was in itself the key driving factor, a large percentage of the labor-intensive factories would have already shifted to cheaper labor countries and lower labor-intensive jobs would have returned to the countries such as the USA - because China is not the synonym for cheap labor anymore. But that's not what we are experiencing; only certain jobs within the manufacturing field are moving to South East Asia. A huge chunk is there and is still able to reap the benefits of various factors. It will take more than a cutthroat desire for emerging economies to set up a business ecosystem that can compete with China's.Wow now over 1,000 Thanks for your upvotes! If you would be kind enough to give a like for this same article on my LinkedIn profile: https://www.linkedin.com/pulse/w...Footnotes:1. https://www.industryweek.com/env...2. https://qr.ae/TUtz1K3. https://qr.ae/TUtzTO4. https://labs.ebanx.com/en/market...5. Walter Hay's answer to How expensive is it to import to Nevada from China?6. 5 Reasons Why You Should Manufacture In China With ITI[7] China Will Continue To Dominate World Production
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What are disadvantages of cheque truncation?
The Reserve Bank of India introduced the Cheque Truncation System (CTS) throughout the country, after it was introduced in NCR on a pilot basis, from August 1, 2013.An Electronic Cheque is a Cheque which contains the exact mirror image of a paper cheque and is generated, written and signed in a secured system, ensuring maximum safety with the use of digital signature with or without bio-metrics.The Section 6 of the NI Act was, therefore, amended in December 2002, to include a cheque in electronic form and truncate a cheque transacted during the clearing process.WHAT IS CHEQUE TRUNCATION?Truncation is a process of stopping the flow of physical cheques issued by a drawer to the drawee branch. In this process, a physical cheque is truncated at some point en-route to the drawee branch and an electronic image of the cheque would be sent to the drawee branch along with the relevant information like MICR fields, date of presentation, presenting banks, etc., In other words, the images of the cheques captured at the presenting bank level would be transmitted to the Clearing House and then they are sent to the drawee branches with digital signatures of the presenting bank.Advantages of CTS:The CTS is a safe, secured, faster and effective system for clearing of the cheques.2. It would also reduce the time required for payment of cheques. In otherwords, it is faster.3. It also helps reduce the cost associated with the transit of cheques.4. The CTS helps in reducing the delay in processing the cheques in the clearing cycle.5. The CTS will also help to reduce the frauds associated with the movement of cheques from one bank to another.DISADVANTAGES:Costly to Implement: A successful implementation of Cheque Truncation system in a country involves the participation of all banks. That means, the cost of implementing such a system becomes costly.Declining Clearing House Payment Mechanism: Cheque volumes are said to be decreasing at a slow but steady rate, thanks to innovations in technology. Banks are therefore skeptical to invest too much of money in this regard.New Hardware, Software, Systems, and Processes all add to the complexity of the new system, making it that more difficult to justify cost against other payment technologies. Dr. M J SUBRAMANYAM
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Is an agreement between an individual lender and an individual borrower legally effective?
Yes, it is legally valid. Sidebar: did you also know that it is legally valid to "write a check" by writing down all the information that would normally be on a check, minus the special rectangular paper? That fact blew my mind recently. Although your document is valid, you will want to consider ways of beefing up that document's authenticity, in case things go sour and the other person fights the document's validity in court. For example, what if he makes a similar document for a different loan amount, and copies your signature onto the forgery? Ideally you would get any such contracts you make signNowd at a cost of $5-$10. That means a notary watched both of you sign the document, and their word is taken as truth in the eyes of the court. That's nice, but it is not essential to making your legally binding piece of paper safe from validity objections.First, I would definitely create at least two copies of the agreement - so both parties have a "receipt" of the transaction should any issues arise. Both copies must be signed by both parties. It can be a photocopy, or the handwritten contract written down twice and signed by both parties.Also, creating an email trail of a photograph or scan of the document, emailed to the second person, is a smart idea. It establishes that the document wasn't manufactured after the fact. It shows that they received the contract. Having them email back a "Yes, I signed the document and agreed to the terms" adds an additional level of proof that protects you if the loan repayment goes sour.Emailing a copy also means you will have a digital copy on file, and any issues of forging or invalidity go out of the way because you can show that the agreement was seen by the second person and they confirmed their agreement electronically in an email response, as well as through their signature on paper. The time and date of the transmission is also recorded.If you are short on time and email, here's another fun option: a voice recording of the document read, and then both persons agreeing to it. That is also a good standby for authenticating it. Make sure both people know that the recording is taking place, otherwise it may be illegal in some states. This method of contracts is used by cellphone companies all the time.But hey, live life wild and sign a single sheet of paper. It's legally valid; just don't lose it!
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What are some must have Android apps?
Edit: I wrote this answer for “must have Android apps” but these are same apps which have changed the way I used to live my life. Each and every App has helped me in one or the other way. I hope you will also find them helpful and a bit life changing. So here is the list: 10. Psiphon For those who use WiFi with proxy settings. So Psiphon bypasses and tunnel the websites or app through a different IP Address. 9. Mirror It's a simple app to record your mobile screen. Based on the concept of CamStudio in PC where you can record your screen, Mirror offers recording of your Mobile screen. 8. NTES- National Train Enquiry System If you are from India and you want to know the running status, cancelled train (partial or fully), Live Station and other features, this App is a must have. 7. VOLT Simple but effective for those who want to learn new vocabulary. That's too obvious, then why not others? Coz here you get the “memory key” which helps you relate the words and easier to remember them. 6. Parchi It a note making app. But here’s a catch. You can view, review, edit and add right from your lockscreen without need to open the app. Isn't that amazing! I personally find this app very useful. 5. edX If you are student or a learner who wants learn something new everyday, and cannot afford to go in the prestigious institutions like MIT, Harvard University, Cambridge, IITM, etc ten it is a must have app. Enroll yourself in any course and Bazinga!! You are ready to learn from the most amazing professors. Similar to edX, we have Coursera. 4. Walnut Manage your expenses on your finger tips. Its easier then that. It shows you your monthly expenditure, ATM locations, bill remainders and many more features. Its a must have app. 3. CamScanner Everyone doesn’t own a scanner but most of us have camera. So click the pic, upload to CamScanner and voila you are done. You have the scanned copy of your documents, notes, Marksheet and upload them on your DigiLocker. 2. inshorts Till now you all must be knowing this app. The tagline is also simple “News in 60 words” and trust me it is worth having. In this “I don't have time” world, you need news to be fast and accurate so here it is. 1. DigiLocker If you have this app then you don’t need to carry your personal documents like driving license, Adhar card, voter ID card, or even your Marksheets. Keep them safe in actual locker and leave the rest to your DigiLocker. And the best part is that it is acceptable as the original ones at every governmental or non governmental institution because it is developed under Digital India initiative. That's it for the day. Thank you and Enjoy !!! Update 1: Today I came across two new apps which I found useful. Hope it would help you all. 1.Forest : Stay focused Features • A self-motivated and interesting way to help you beat phone addiction • Stay focused and get more things done • Share your forest and compete with friends • Track your history in a simple and pleasant way • Earn reward and unlock more tree species • Customize your whitelist : Leaving Forest and using apps in whitelist won’t kill your tree. 2. Swachh Bharat Toilet Locator Swachh Bharat Toilet Locator is specifically useful for Indians who're committed for Swachh Bharat. Update 2: So I am back with yet another interesting app for you all. And trust me it is worth hanving. You are bored just go through it and kaboooom !!! You are into a black hole. Enjoy the ride. 3. Curiosity It is the latest app I installed but got addicted to it. It’s exactly works like its name, generates a curiosity which inturn increases your knowledge. It covers a large field of scope from Humanity to science to faith and many more. This app deserves more snapshots but why to increase the length of my answer. Comment below if you think the list should be updated? Thank you.
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