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Here’s a breakdown of some awesome Features Office 3651. Work Smarter, EverywhereAfter buying Office 365, you also gain access to its accompanying mobile apps and browser apps. This allows you to access their cloud service from any up to date web browser on your desktop or mobile device. Even better yet, you don’t have to install Office software on your computer to do this.The mobile app allows you to access all of your Office 365 subscriptions and Office products right from your smartphone or tablet; this includes Word, Excel, Powerpoint, Onenote, and more. Cut the cord and stop working on your PC only — download the Microsoft Office 365 mobile app to stay productive, even while on the go.2. Enjoy 50 GB of StorageEach Office 365 user receives a whopping 50 GB of storage with Exchange Online; this can be used to save emails, calendar events, task lists, meeting notes, contact information, and email attachments.You can save some more space in your mailbox by utilizing the OneDrive cloud storage feature to share attachments.Your OneDrive storage is also synced to your device, enabling you to work offline on files. As soon as you reconnect to the web, the newest versions of your documents will be automatically uploaded to your cloud storage. The new versions of your documents will also be sent to any other connected device, including your phone or tablet — nifty!3. Edit Documents with Real-Time Co-AuthoringCollaborate online and see changes your team makes to shared documents within your Office apps as they happen with the real-time co-authoring feature in Word. Save your file to OneDrive cloud storage or SharePoint so your team can access the document and make any necessary edits or updates. You can also share it directly from Word by utilizing a handily integrated sidebar. As the publisher and access-giver, you can edit accessibility settings at any time.With the improved version control that was rolled out with Office 2016 co-authoring, you can see which changes to the document were made by which contributor and when the update was made. You can also easily revert back to a previous version of the file whenever you need to.4. Connect with Co-WorkersYou may not have known this, but Office apps include a Skype in-app integration. You can use this feature to instant message your teammates, share your screen during meetings and have audio or visual conversations — without even exiting the Office apps you’re working in. You can continue Skype conversations even after you close your office apps via your desktop or mobile version of Skype. The best part? Your team will receive unlimited Skype minutes.Source: Microsoft5. Send Links, Not FilesIt’s time to move away from email attachments. It’s never been easier to share documents for co-authoring!Simply upload your file to Office 365’s cloud storage. Then, write your email via Outlook or the Outlook web app. Rather than attaching your document to the email, you can insert a link to the file on your cloud. Outlook will automatically allow email recipients to edit the document you wish to share. You can always change permissions on any document at your convenience.6. Convert OneNote Items into Outlook Calendar EventsEasily configure OneNote items to tasks within your Outlook calendar. You can also assign tasks to colleagues, complete with follow-up reminders and concise due dates. You can also transfer meeting notes taken in OneNote via email to your teammates, and add important details (date, location, and attendees) to their respective meeting.7. Use Your Mouse as a Laser Pointer during PowerPoint PresentationsWith only a simple keyboard shortcut (Ctrl + P), your mouse can be used as a laser pointer during your PowerPoint presentations. You can also use the “presenter mode” commands while using this feature.The laser pointer tool has been a nifty trick within older versions of the office apps for years; however, it was only recently integrated for touch-screen devices. All you have to do is hold down on your device’s screen, and the laser pointer will appear.8. Create a Power Map Using ExcelTurn data into a 3-D interactive map with Power Map, one of the many Power BI-enhanced data visualization features that Excel has to offer. It comes with three different filters: List, Range, or Advanced. The Power Map will help you not only convey your data more effectively, but also support your claims by creating a tangible story from the numbers.

This is not an “answer” but an analysis of the range of answers given. “Hate” is an exaggeration as the factors forwarded are merely annoyances or unexpected differences; readers from less developed nations would label the laments as “Rich Country Concerns” (i.e. petty for most people). My answer is based on decades of life and travel in Western Europe - not Eastern Europe.The major gripes are that things are not as “convenient”, dimensions are small, people are “unfriendly” and the customer is not “always right” in Europe. Let’s see if those “complaints” are worth writing home about or if ...

“Rail travel at high speeds is not possible because passengers, unable to breathe, would die of asphyxia.”-Dionysius Lardner, Professor of Natural Philosophy and Astronomy at University College, London, 1830It hurts my heart to see an esteemed university publish such a regrettable article.  It is also shocking that there was no empirical based insight published, just agenda ladened conjecture.  In some ways I am not surprised.  Academia has misunderstood the payments industry for over 50 years and I have tried and have been successful to help quite a number of well known professors understand the details.  However, if one were to go by the postulations some Professors have presented over the years, the payments industry should not exist.   There is much to learn from these insights and surprisingly many of them were adopted by some payment startups, advisors, board members and VCs.   I will address the idle conjecture from this article, section by section:Apple Pay’s Technology Adoption ProblemApple wants to convert your iPhone into a digital wallet with Apple Pay. Professors Benjamin Edelman and Willy Shih assess its chances for success and wonder if consumers have a compelling reason to make the switch.This is a mostly correct insight.  It may turn out to be ironic wording on the part of the author.    To be clear, no one needs to “switch”.On the eve of debuting its digital payment system, Apple Pay, two Harvard Business School professors think the Cupertino company will have trouble coming up with an equally compelling message to drive sales of a service that allows you to pay at the retail counter with a swipe of an iPhone.No iPhones are “swiped” during a transaction, they are held at short distance for a few seconds in front of a customer facing terminal. "What does it do for me as a consumer?" asks Associate Professor Benjamin Edelman. “Why would I want to trade for something that already works [e.g. credit and debit cards], something that doesn't complain when it gets wet in the rain, something that doesn't complain when I launder my pants?"Why would I want to trade in an iPod, for something that already works, the Sony Walkman and use the cassette tapes that already work.  This is a comment that shows a professor that truly does not understand the history of technology. Especially, he adds, when those cards give users and additional 1 or 2 percent off the purchase price. “I think Apple has its work ahead in convincing thoughtful and potentially skeptical customers," says Edelman.There is little that one can draw from this passage.  There is no loss of 1 or 2 percent if the cards offered them before, they will be offered in the exact same manner via Apple Pay. ON WITH THE SHOWReports say Apple will roll out the digital payment service later this week, with perhaps more details coming at a press conference Thursday. But will it catch on, especially when several other similar services with big name sponsors such as Google have failed to gain much traction?The element that was overlooked by this professor is the fact that very little is similar to the business processes and business relationships Apple used in relationship to Google.   Apple choose wisely to work with every element of the existing payments ecosystem.  History will show, and likely this university will teach, that this was the primary premise that made Apple Pay the largest change since the invention of the magnetic stripe. Apple has a chicken-and-egg game to solve. Consumers won't use the service unless they are in use at a compelling number of stores. But merchants won’t install the expensive near field communications readers used by Apple Pay unless consumer demand is high.First off, Apple must convince merchants to adopt its service, says Willy Shih, the Robert and Jane Cizik Professor of Management Practice.“I THINK APPLE HAS ITS WORK AHEAD IN CONVINCING THOUGHTFUL AND POTENTIALLY SKEPTICAL CUSTOMERS”Only about 10 percent of retailers use NFC readers, and at least one retailer—Best Buy—stopped using them because they were too expensive. Officials with both Best Buy and Walmart have said the retailers have no plans, at least right now, of accepting the new payments technology in their stores.There will always be a “Chicken / Egg” issue with any system that would require equipment upgrades.   However this article assumes over 200,000 of the most popular businesses in the US is not “a compelling number of stores”.  It took 30 years for Visa and MasterCard to have over 200,000 businesses.   It took over 5 years for Discover to have over 200,000 business locations.   The professors did not even do a single empirical study to gain insights about the number of actual businesses and the demand to upgrade.   I am performing these studies and can say that early results point of almost 300,000 locations and a demand that has shot up by over 3,000% and growing among small to large businesses.Thus Apple will not have “work” to convince merchants, the huge drive is coming from merchants and banks wanting to implement the service.Best Buy stopped using NFC for only one reason, they were not paying PIN based debit rates for these transactions and Apple is on the way to get these types of cards to be confirmed using biometric PINs.  Shih believes merchants who consider adopting Apple Pay will naturally wonder: What do we get out of this? And they will specifically want to know if they will be asked to pay higher fees than credit card companies are charging?The data that Professor Shih has is invalid.  The merchant is paying the exact same rate as with any other credit card.   What they get out of it is manifold but no one can argue that the increase in speed is one foundational benefit. "Consumers might be motivated to do it, but if I don't have the merchant side in place, it doesn't matter," Shih says. "The merchants certainly aren't going to be motivated if the economic model is less favorable than today. It’s a complicated puzzle."The data that Professor Shih has is invalid.   The economic model is not a “complicated puzzle to anyone other then Professor Shih.Apple has touted that Apple Pay will be supported by several leading retailers, including Bloomingdale's, McDonald's, and Macy's—and that it will work at about 220,000 merchant locations across the United States that have enabled contactless payments. But some analysts believe that's a small number compared with the nine million US merchants that currently accept credit cards. In short, Apple has a long way to go to knock off the established credit card system, Shih says.There is some valid information here.  However 80% of the dollar volume in retail payment card sales come from 20% of merchants.  Apple will have coverage of about 70% of these merchants by year end.  My research suggests that a tremendous number of smaller merchants will fill in these numbers as 2015 winds out. "Ecosystems are very delicately balanced, and the current payment system represents a balance that has resulted from 40 years of evolution. There's a lot of inertia around that," Shih says. "You can have great technology, but you really have to line up the complementary assets so all the pieces play with you and they are motivated to make it work. At the end of the day, Apple is going to have to make the economics work for everybody. That is a hard job.”Professor Shih is still functioning on invalid data about the “economics”.  The economics are exactly the same.DO CUSTOMERS CARE?Which brings us to the customer side of the chicken-and-egg conundrum. Millions of shoppers have used cards for years, with little hassle. Edelman points out that people will continue to carry cards even if digital payments gain some traction, so the barrier to overcome for mass acceptance is even higher.Millions of people used payment cards every day at Starbucks.  But somehow  6 million weekly transactions in the U.S a full 15% of transactions made at the U.S. Starbucks-operated stores are made on the Starbucks wallet.  The barriers these users overcome are huge, they have to buy credits using a payment card to even operate the wallet, yet this barrier is overcome 6 million times per week.Edelman has studied Bitcoin, a software-based online payment system, and he sees similarities between technology adoption roadblocks Bitcoin has encountered and issues Apple Pay is likely to face."Apple Pay has the same problems as Bitcoin: There's no reason for the regular consumer to use it," he says. “Why would a consumer want to make a $100 purchase with Bitcoin when the consumer can pay with a credit card and get 2 percent cash back?"There is absolutely no comparison to Apple Pay and Bitcoin.  Professor Edelman is also operating on invalid data.  The payment card that pays 2% back will continue to pay 2% back with Apple Pay.In addition to the limited number of merchants, Apple Pay appears to be limited to users of the latest iPhone 6, iPhone 6 Plus, and Apple Watch—which leaves out many consumers with older iPhones or Android models.“Apple might be hamstrung by an incompatibility issue that the company intentionally introduced," Edelman says.The system works on iPhone 6 series phones.  There is no doubt that there will be similar Android initiatives.  The picture is very clear, if you have an iPhone 6 series phone, it works.  This is not an incompatibility issue. Shih agrees that selling technology is tricky in a market full of incompatible products.Yes, yes it is."We're in a period now where you see this design competition with competing offerings, and on top of that, you have a platform competition where everyone has their network effects," he said. "It's like PlayStation versus Xbox. The technology convergence has brought us to a place where people are scrambling to come up with a new platform and trying to become the new dominant design.”Great insight about video game platforms.  However they have no analogy with the subject of Apple Pay.Other companies that have attempted mobile payments have run into similar problems. Google Wallet was limited by its compatibility with different types of phones and cellular networks. And Softcard, which was backed by major wireless carriers, has seen little traction with its mobile wallet for similar reasons.This is correct.  This is one of the most accurate insights from these professors.   The destiny of Google Wallet was never in the hands of Google and thus it contributed to the failure of the system.  This is not the case with Apple Pay.  PITCHING SECURITYOne marketing pitch Apple is sure to try out with potential users is security, especially after notable bsignNowes at Home Depot and Target. When a customer pays with an iPhone, cashiers won't see the consumer's name, credit card number or security code because Apple uses a fingerprint reader on its recent iPhones to confirm identities. And when consumers add a credit or debit card with Apple Pay, the card number is not stored by Apple—instead, Apple provides a unique device account number for each transaction. In addition, the company says it won’t collect consumers' purchase history.Very accurate assertion.Edelman questions whether addressing security and privacy will be enough of a carrot to wean consumers off of their beloved plastic. Hesays other companies have tried to market the security angle, including the RevolutionCard, a PIN-based credit card that had no name, signature, or account number on it so that if it got lost or stolen, it couldn't be used unless the PIN was known. "It was stillborn," Edelman says. "It didn't work as a feature set. No one cared.”Professor Edelman is partly correct about the failure of  Steve Case’s Gratis Card and The Revolution Money Card.   However the professor is operating on invalid data.  Apple Pay is not a card replacement.  Apple Pay is a security wrapped around the existing payment card issuer relationship.“APPLE PAY HAS THE SAME PROBLEMS AS BITCOIN. THERE’S NO REASON FOR THE REGULAR CONSUMER TO USE IT”Even recent high-profile data bsignNowes have not led consumers to abandon credit cards in signNow numbers. "Security doesn't work for the thoughtful consumer," Edelman says. "(Data bsignNowes) mostly mean inconvenience for the consumer because the losses are really borne by banks, merchants, and credit cards, not by consumers."Besides, Shih wonders whether data will be any safer with the Apple Pay system.I think Professor Shih may need to conduct a study on how the Target bsignNow impacted consumers.  I have not conducted a deep study but can state clearly that some consumers had their bank account zeroed out in the early days of the bsignNow and the banks were not crediting back the transaction that appeared “valid” from debit card bsignNowes.  I know of a case where a single mom had missed rent and food because of the missing funds in her checking account for days.  Although this is anecdotal, there are many examples vetted by the media. I would also ask Professor Shih  to speak with any merchant that has been a victim of a major bsignNow about how systems like Apple Pay would have saved them millions of dollars in fines and replacement costs to card holders. "The fingerprint reader generating a unique code is pretty smart," he acknowledges. "But it electronically seems to do the same thing as a PIN code. And to the extent that the code goes into the existing payment network that's still not secure, have we really accomplished anything?"TouchID is far and away more secure then a 4 digit PIN code.   The math is quite simple.   But just the logic, it take very little time to guess a PIN number.  It takes a great deal of time to try to fake a finger print that is acceptable to TouchID.  In many cases it is impossible to fake a fingerprint unless you have intimate access to the target.  Thus a faster way to steal money is a PIN number and not a finger print. CAN YOU PAY ME NOW?Other technical questions remain. Edelman wants to know whether Apple Pay will work if the phone isn’t charged, or in areas with poor cell reception?This would be better addressed by studying the technology and not using a  a guessing game.   Apple Pay will work with zero cell or WiFi reception.  Apple Pay will work with a low battery.  Apple Pay will stop working if there is no way to power on the iPhone.  Apple may release more details tomorrow, so time will tell whether the company will address some of the system's potential shortcomings—and perhaps more important, whether regardless of any shortcomings, merchants and consumers will embrace this new mode of payment. Either way, even if Apple stumbles with its mobile wallet, the company will likely survive the reputation hit.Yes, they addressed the shortcomings.  Apple announced that instead of 7 banks supporting Apple Pay payment cards, there are now over 500."Any failure Apple experiences here will be more than offset by the legions of fans that like their other stuff," Edelman said. “I'm not losing any sleep for Apple."I think Professor Edelman can sleep soundly.    He has articulated how some academics, even notable academics are all too human.  We are fallible.   I hope that history is kind with these Professors.