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Install Electronic signature Word Later. Investigate the most user-warm and friendly knowledge of airSlate SignNow. Deal with all of your document processing and expressing program digitally. Range from handheld, papers-structured and erroneous workflows to programmed, electronic digital and perfect. It is simple to produce, supply and sign any paperwork on any gadget anywhere. Be sure that your airSlate SignNow company cases don't move overboard.
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FAQs
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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 is it like for a foreigner living in Tallinn?
(I started to answer a very short answer and ended up with a long entry. I hope you find it useful.)As Richard Tuisk said, it depends a lot on where you are from. However, let me tell you what my experience has been so far in Estonia, what I think it is good and what I would see as a downside of living here. Of course, I need to qualify my answer by saying that I am Latin American, but also have lived in four other countries (including the US where I went to college).A quick introduction: Estonia is a small country located in the Baltic Sea next to Russia and Latvia and very close to Finland. It is part of the European Union. The area of the country is roughly the same as Switzerland or as Maryland and Massachussets combined. There is about 1.3 million people living here which means it is not densely populated. The country is essentially flat, except in the south where you find the highest point at 318 meters (1043 ft). The main city and where I live in is Tallinn. The population is about 400,000 people. Tartu is the second city with about 100,000 people and all the rest of towns are smaller than that.Immigration systemIf you are European, moving here is no problem as you enjoy all the benefits of any country within the European Union. If you are not European, the main reasons people immigrate here is to work which would guarantee a working visa or if you are married to an Estonian citizen which allows you to apply for a visa as long as you have enough funds to live here.Overall, the process to get a short-term visa is straight forward. Obtaining a long-term visa is more complicated as you have to speak the language at a relatively high level. Obtaining a citizenship requires that you give up your own citizenship.JobsAlthough Estonia suffered also during the 2008 crisis, there is enough jobs in areas of business and technology for people to move here. One of the problems Estonia faces is that it does not have enough people to fill all jobs in IT areas as I hear.There is a few big companies who recruit people from abroad, but if you don't speak the local language, your opportunities are reduced to the IT area (I work for Skype which originated here in Estonia which was acquired by Microsoft in 2011). You can see a list of notable companies here: List of companies of EstoniaSocial interactionEstonians tend to be reserved in comparison to other Europeans. I suggest to foreigners who come here to be aware of differences so they are not taken by surprise. Some examples of faux pas I have encountered:Using smalltalk in a conversation.Saying good morning when coming to office or good bye when leaving.Smiling with no reason (I have to accept that this could be awkward in Northern Europe and some parts of the US, but it is totally normal in Mediterranean or Latin American environments).Being noisy. People love their quiet here.However, it is totally Ok to try to make a conversation in English especially with young people. I am learning Estonian and try to use the language when I can, but in some occasions (say, at the pharmacy), I need to switch to English and have never found anyone being annoyed by that.The exception to all of this is if you meet young people. They tend to be more open and curious (especially women). I am speaking about more casual environments such as a cafe or a restaurant, but a bit less at work. Another obvious exception is if you are in a touristy area (such as the Old Town in Tallinn), but this should go without saying.It is totally Ok to be in a group of people and be totally silent. For example, you can have lunch or share a cab with Estonians when no one is speaking, but there is no awkwardness on it. Another thing is that people do not demonstrate much through their expressions which is one of the difficult things to deal with for me. Remember, I come from a country where you smile or frown or show your teeth if you want someone to understand you clearly.When having a conversation with an Estonian, you should say what you mean and mean what you say (remember what I said about smalltalk?). For example, if you ask "how are you?" to an Estonian, do it only if (a) you really want to know how the other person is, and (b) don't ask it if you don't know the person well. I value that Estonians take your word at face value and you should do the same with them.One word of advice is that Estonians can be very critical of others, but they are mainly critical of themselves. Someone told me once that complaining is a national sport, and I have to agree with that. In other words, when they tell you that something is truly bad here in this country, you have to take it with a grain of salt.Because of this, you should also expect that people are straight forward with you. In some cases, this borders on rudeness if I measure by my home country's standards, but here is totally Ok. I have seen a few foreigners getting shocked by that, but you get used to it. In other words, they are not politically correct (this I like very much).Also, because people are economical with the language, you shouldn't expect what I would call, a "warm" communication most of the time. As a latin person, I need to say and hear things on a beautiful way, but this doesn't happen here much. It is different when you start to get to know locals.Which brings me to the last point. It takes a while before you break the ice with an Estonian, but it is worth waiting. I have had the chance to establish a closer link with some locals outside my wife's family and I find an honesty and sincerity that I haven't seen in other places. If you get to that point, congratulations, as you have made it through this journey. By this time, you should also be an expert on sharing saunas with people you don't know (and yes, naked) and have had your share of vodka.Quality of life, services, infrastructureWhen compared to other places where I have lived, I have to say that Estonia still doesn't signNow the level of living in Germany or the US, but it is getting closer by the day. However, I would say that Estonia is already at the level that I would call it first-world country in most aspects.Infrastructure and services need some improvement, but they provide the minimum level of service. For example, if you don't have a car, you can use public transportation everywhere even if buses, trains or trams are sometimes old. Roads in Tallinn are Ok, even if you find potholes in some places. Services such as schools and hospitals are public which means that there is always a waiting list. If you need to visit a specialist doctor, you have to wait. On the other hand, the wait is not as bad as in third-world countries (like where I come from). Also, those services are basically free. The downside is that there is almost no private service, and even the ones there are rely partially on the public health system for some aspects.I have had two children born here and had no complaints about the process. In fact, I felt that everything was very professional and that they always try to do their best. However, when I spoke with Estonians, some of them were very surprised that I spoke highly of the hospital system. I guess it's up to my personal point of view in this case.Taxes are low. Personal income tax is 21% flat for everyone. If you live here and your visa allows it, you can create your own start-up in no time which is prevalent among young people in IT.By the way, unemployment was at 8% at the end of Q3 in 2013. I am no economist, but I understand that this is still considered high. However, it came down from 10.2% at the end of 2012.Food, shoppingEstonia has the typical supermarkets like any other European country. There is also local markets, but you probably need to speak Estonian or Russian. Typical food you find are potatoes, wheat-like grains, oats and so on. Pork meat and fish are eaten often here, but beef is not yet too common. Vegetables and fruits tend to be expensive. I miss having international food though. There is one supermarket in town (Stockmann) that carries some international products, but it is very expensive. I was used to visiting Oriental-type shops in Ireland and Germany, but there is none here that I know of.There is a few shopping centres, but the variety is not wide. I am in favor of buying local to support businesses here, but in many cases, we end up buying from abroad because of the lack of options or because we would have to wait for too long. For example, my wife and I love movies (yeah, still buying old-fashioned DVDs), but there is no shop that fills our expectations. Because of that, we buy everything from Amazon.ActivitiesIf you love nature, you are in luck. There is a lot of natural areas in the country and they are a short drive away. There is plenty of sea shores, forests, rivers and lakes. In the Summer you can do hiking, camping, canoeing and you can add cross country skiing in the Winter. Estonians love nature in general.If you are a city person (like myself), then that's another story. There is a few theatres, cinemas, galleries and so on, but everything is limited. Tallinn itself has the most interesting activities in the center. There is plenty of good restaurants though.Cinemas show the popular movies like everywhere else and you can find some artsy type of cinemas for alternative movies. No movie is dubbed here, but they usually carry subtitles in both Estonian and Russian.What is impressive about this countryThere is a few good things that I haven't seen outside Estonia. The first one is the electronic system prevalent in this country. When you are a foreigner and get your Estonian ID, you are also getting your electronic identity. With that, you can file taxes online, access information about property, bank accounts, mobiles, whatever services you need. When you get your local ID number, you automatically get a local e-mail address at the eesti.ee domain that you can redirect to your personal account. With that, you never miss an official communication (such as whenever is time to file your taxes).That ID has also legal validity and you can sign documents electronically anywhere in the world. For example, if you apply to get a car leasing, you don't have to show up at the bank necessarily. They send you some forms, you put your ID card in your computer reader, sign the document electronically, and send it back and that's it. It is the equivalent of putting your signature on paper in front of the bank official or lawyer. Estonian citizens and permanent residents are even allowed to vote online with their ID.A second impressive area is bureaucracy: it is a well-oiled machine. One recurrent example is taxes. You get the notification that your taxes are ready to file, you login to the tax office site, sign in, check that they have the correct information that they have collected from your company, employer and so on, sign with your ID card, and that's it. It might take as little as five minutes. My wife and I file jointly, so it takes us much longer: twenty minutes (and that's because we always forget to do one crucial step so we are delayed).The government doesn't even use paper for their minister meetings. They file everything electronically which is made available so you can follow up agendas, minutes and whatever happens there.You want to open your own company? It might take literally twenty minutes to do that too. All of this thanks to the frictionless bureaucratic system they have here. You want to park? Send a text to the number 1902 with your plate number and where you are parking and it will be charged to your mobile.One more impressive part: internet. Besides having decent speeds, there is practically free access points everywhere through the country. I personally have witnessed free available working access points in national parks and public beaches. You can read this article that talks about this (read the date: 2005!): Estonia sets shining Wi-Fi exampleIn my case, I don't use access points much because I have a decent LTE connection with my mobile. Mobile companies have good coverage and relatively good service. I remember that when we got our internet when we moved here, it took only one day to install it. When I measured the effective speed a few months later out of curiosity, it was 50 Mbps. Not bad.The downsidesAs anywhere else, there is a few things that you need to be aware of that could be difficult to adapt to.The first part for me is the social interaction which tends to be dry and quiet. I mentioned that above, so not much more to say here.Another one is the weather. In Winter, the sun might rise at 9:30 in the morning and set at 3 in the afternoon. That's just about six hours of sunlight. If you add that it is cloudy most of the time during the Winter, then you realise how dark it might be. As counterposition, Summers are amazing (up to 20 hours of sunlight and clear skies easily).Winters are relatively long. It gets cold around the end of October and stays that way until around April. It varies from year to year, but sometimes the temperature drops to -30 degrees Celsius (-22 F). Life rarely stops here because of the cold or snow though. I have taken the bus at -30 degrees Celsius. It makes for an interesting ride.One more problem for a foreigner to live here is that you feel a bit isolated from the world. Flights are available mainly to neighbouring countries plus Germany, UK and the Netherlands. If you are from another country, you always need to make connections which makes it longer and more expensive to go back home.Last, if you are from a big city, you might find even Tallinn a bit provincial. It is changing as of late though. On the other hand, there is some positive things out of this too: less crime and virtually no traffic jam as I know it (I live 20 km. from work and make it in 30 minutes on a good day and 45 on a bad one).If you are thinking to move here, I definitely recommend this place.
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How do I make a PVT Ltd company in India?
How to register a company (Pvt. Ltd.)Pre-requisites1. Have paid-up capital of INR 1,00,0002. Have minimum of 2 directors/board members and two shareholders3. Have maximum of 50 members only4.Cannot publicly sell shares. Can only invite people to buy shares by issuing aprospectusStep1: Acquire DIN (Director Identification Number)DIN is a unique identification number for an existing director or a person intending tobecome a director of a company. As per a recent amendment to the Companies Act 1956, DIN has become mandatory for all the directors. DIN is unique and specific to an individual, therefore only one DIN is allotted per individual even if the individual serves as director at multiple companies. No fee is charged for issuing DIN. This process takes approximately 3 to 5 working days.Supporting documents required (soft-copies):1.Photograph2.Proof of identity3.Proof of residenceRegister on MCA website for login ID and password(create an account)I.File eForm DIN-11.Download eForm DIN-12.Fill the form3.Attach necessary documents4.Sign using digital signature5.“Check Form”6.Upload eForm7.Pay fees by credit card, debitcard, internet banking or cash/cheque at designated banks (State Bank of India, Punjab National Bank, Indian Bank, ICICI Bank, HDFC Bank) using the pre-filed challan that will be generated8.Note the Service Request Number (SRN) for later enquiries9.Check acknowledgement by email or through MCA portalII.Intimate approved DIN To your Company (within 30 days from date of approval)a.Download Form DIN-2 and printStep 2: Acquire Digital Signature Certificate(DSC):At least one of the directors should have a valid Digital Signature Certificate issued by the signNowing Authorities (CA) and approved by the Ministry of Corporate Affairs. The Information Technology Act,2000 provides for use of Digital Signatures on the documents submitted in electronic forms, in order to ensure the security and authenticity of the documents filed electronically. Every document prescribed under the Companies Act, 1956, is required to be filed with the digital signature of the managing director or director or manager or secretary of the company. Therefore at least one of directors must have a digital signature. Any person may make an application to the signNowing Authority for the issue ofa Digital Signature in such form as may be prescribed by the Central Government. Digital Signatures are typically issued with one year validity and two year validity. The issuance cost varies depending on the CA. Digital Signatures can be obtained within an hour.One can acquire his/her Digital Signature certificates from these government listed agencies like TCS, IDBRT, MTNL, SAFESCRYPT, NIC, nCODE Solutions etc.Step 3: Apply for the company to be registeredThis is the final major step in a registration of your company which includes incorporating company name, Registering the office address or notice of situation of office and notice for appointment of company directors, manager and secretary. And also regarding the take and pay for their qualification shares.Prerequisite for Virtual eFiling1.Install the following prerequisite software:Windows 2000 / Windows XP / Windows Vista / Windows 7 –Operating SystemInternet Explorere v6.0 and above, Google Chrome, Mozilla FirefoxsignNow from version 7.5 to version 10.1.4Java Runtime Environment (JRE –latest version freely downloadable fromwww.sun.com)2.Get yourself registered at the portal (www.mca.gov.in)3.Obtains a Director Identification Number (DIN).4.Obtain a Digital Signature Certificate (DSC).5.Broadband Internet connectivity or higher.6.A scanner (above 200 DPI) for converting the attachments in the PDF format.Steps:I.Fill Form-1A for obtaining the name for the company-onlineFor obtaining name for your new company, An application in Form-1A needs to be filed with the Registrar of Companies (ROC) of the state in which the Registered Office of the proposed Company is to be situated to ascertain the availability of a name along with an official service fee of Rs.500. You also have to provide the following information in the form.• Name of the proposed company (Minimum 4 alternative names, maximum 6).Indicate the order of preference. Ensure that the company name is in accordance to the guidelines of the MCA, and also ensure the name is unique and does not resemble the name of any existing company in India. The company name must end with the words ‘Private Limited’ or ‘PVT Ltd’. In order to have specific key words in the name such as corporation, International, Hindustan, Industries, India etc., the proposed company should satisfy a minimum authorized capital criteria.• Location of registered office of the proposed company• Main Objectives of the business of the company• Names and addresses of the directors• Proposed Authorized Share Capital of the Company• DIN & DSCSubmit duly filled form to the Registrar along with fee of Rs. 500.The Registrar shall intimate, within two to three days, whether the proposed name is available or not. If the preferred name is not available apply for a fresh name on the same application. The name made available by the Registrar shall be valid for a period of six months. In case, if the company is not incorporated within this validity period, an application may be made for renewal of name by paying additional fees. Otherwise the name approval process has to be repeated by submitting new application after payment of requisite fees.In about 10 days, the ROC will inform you about approval or objections. If there are any objections then ROC will suggest you with some available names and let you choose among them. If your company name is approved then you will receive a formal letter regarding the confirmation of the same. Keep the same which will be required during registration process of the proposed company.II.Prepare documentsAfter obtaining name approval from the ROC the following documents must beprepared to incorporate the company• Memorandum of Association (MOA) The Memorandum of Association is a document that sets out the constitution of the company. It contains, among-st others, the objectives and the scope of activity of the company and also describes the relationship of the company with the outside world.• Articles of Association (AOA) The Articles of Association contains the rules and regulations of the company for the management of its internal affairs. While the Memorandum specifies the objectives and purposes for which the Company has been formed, the Articles lay down the rules and regulations for achieving those objectives and purposes. It also states the authorized share capital of the proposed company and the names of its first / permanent directors. Professional help is to be sought in the drafting of the MOA and AOA, as it contains the governing policies, rules and by-laws of the proposed venture. The draft must be carefully vetted by the promoters before printing and stamping.The MOA and AOA must be signed by at least two subscribers in his own hand, along with father’s name, occupation, address and the number of shares subscribed for and witnessed by at least one person. Then the MOA and AOA are required to be stamped & filed with the ROC. A stamp duty is required to be paid on the MOA and on the AOA. The stamp duty depends on the authorized share capital and varies between states. Details of applicable stamp duty can be obtained from here. eStamping facility is now available via MCA’s portal. The document preparation process may take five to seven days.• Form 1 –providing details of promoters of the company• Form 18 –providing details of address of the registered office of the company• Form 32 –providing details of Directors, managers and secretaries of the companyIII.Submission of DocumentsSubmit the following documents to the ROC with the filing fee and the registration fee:• The stamped and signed Memorandum and Articles of Association (3 copies).• Form-1, 18 & 32 in duplicate.• Any agreement referred to in the Memorandum & Articles.• Any agreement proposed to be entered into withany individual for appointment as Managing or whole time Director.• Declaration of Compliance by an advocate or company secretary or chartered accountant or director, manager or secretary of the company• Name availability letter issued by the ROC.• Power of Attorney authorizing a person, on behalf of subscribers, any documents and papers filed for registration. The power of attorney should be given on Non-Judicial stamp paper of appropriate value and shall be submitted to the Registrar.After submitting these forms, once the application has been approved by MCA, you will receive a confirmation email regarding the application for incorporation of a new company, and the status of the form will get changed to Approved.IV.Payment of Registration FeesThe fees payable to the Registrar at the time of registration of a new company varies according to the authorized capital of a company proposed to be registered. Payment for the Registration and Filing Fee must be made by Demand Draft/Banker’s Cheque if it exceeds Rs.1000/.V.Obtaining Certificate of IncorporationThe ROC will issue a Certificate of Incorporation after careful review of documents submitted. Section 34(1) cast an obligation on the Registrar to issue a Certificate of Incorporation, normally within 7 days of the receipt of documents.A Private Limited Company can start its business immediately on receiving the Certificate of Incorporation.Check these documents before submission of a company:1.DIN of all those directors of a proposed company.2.DSC –Digital Signature Certificate3.Original copy of the formal letter issued by ROC regarding availability of Company name.4.Form-1 for incorporation of a company.5.Form-18 for situation or address of the proposed company.6.Form-32 for particulars of proposed directors, managers and secretary.Formalities to be followed while incorporation of a company:1.Obtain a TAN card2.Obtain a Permanent account number (PAN) from income tax dept. India3.If required: Documents obeying shop and establishment acts.4.If required: For foreign trade, Registration documents of import export code from Director General of foreign trade.5.If required: Registration documents of Software technologies Parks of India (STPI).6.If required: RBI approval for foreign companies investing in India and FIPB approval.7.Both Indian and foreign directors need to have valid Digital Signature Certificates from authorized agencies.For any further clarifications, please visithttp://www.mca.gov.in/MCA21/Regi...Thanks & Regards,Stay4u.
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What evidence is there that Russian hackers tried to influence the US presidential election?
Before discussing evidence, it’s important to be clear that the assessment of the U.S. intelligence community is unanimous: Russia interfered with the election. It happened.The FBI, CIA, NSA, and ODNI all said so when they were run by Obama appointees, and they continue to say so now that they’re run by Trump appointees. DHS says so, too.Presidents, too. Obama said it. Bush said it. Trump said it. He tries to downplay it, but he said it. And his CIA Director and Secretary of State say they aren’t going to stop.And Congress, as well. Members of the House and Senate Intelligence Committees from both parties have said it.That’s two branches of government, two political parties, partisans and civil servants; Republicans, Democrats, and dedicated professionals living and breathing national security every day.Outside the U.S. government, private sector companies specializing in computer forensics have said it, even those that compete with each other and have strong incentive to prove the others wrong. More on that shortly.To be as clear as possible before moving on, the FBI, CIA, and NSA, through the Office of the Director of National Intelligence, published the following assessment:President Vladimir Putin ordered an influence campaign in 2016 aimed at the US presidential election. Russia's goals were to undermine public faith in the US democratic process, denigrate Secretary Clinton, and harm her electability and potential presidency. We further assess Putin and the Russian Government developed a clear preference for President-elect Trump. We have high confidence in these judgments.So, we’re confident the Russians attempted “an influence campaign” to interfere with the 2016 U.S. election, but what form did this take?The effort was multi-pronged:Establishing contact with the Trump campaign and those receptive to Russian overtures.Hacking into Democratic servers and leaking stolen information.Organized trolling using Russian agents and bots to maximize the propaganda value of the leaked emails, spread disinformation, disrupt political discourse, foment anger and vitriol, support Trump messaging, etc.BsignNowing U.S. election systems, either for 2016 or to set up actions for future elections.Item #1 relates to the ongoing collusion investigation of contacts between Russia and the Trump team. That would be a whole answer on its own, and it’s not even necessary to show evidence of the Russian interference, so I’ll just offer this quick summary:At least 12 Trump associates had contacts with Russians during the campaign or transitionThere were at least 19 face-to-face interactions with Russians or Kremlin-linked figuresThere were at least 51 communications -- meetings, phone calls, email exchanges and more.This flies in the face of at least nine blanket denials from Trump world of any contacts with RussiaIf you want to read the details behind that, go ahead: By the numbers: The Trump orbit's contacts with Russians is a good start, or for a more in depth timeline: All the known times the Trump campaign met with RussiansThe majority of this answer will focus on #s 2, 3, and 4.Now that we’ve established what we know, we can move on to how we know it. That part gets a bit more complicated.Although all those U.S. government entities say so with high confidence, they can’t exactly “show their work” to the general public without telling the Russians all the ways they used to catch them. If they did, they would not only be telling them how to avoid detection in the future, but endangering the lives of human intelligence sources (our spies and assets) and the continued viability of any electronic or cyber intelligence sources, such as any vulnerabilities we’ve exploited in their systems.Usually, it’s not just the sources and methods that are kept secret but everything. Generally, the public doesn’t get told anything U.S. intelligence knows, except in serious situations, like when they discovered Russia’s previous management, the Soviet Union, was secretly installing nuclear missile sites 90 miles off the coast of Florida, a scary incident known as the Cuban Missile Crisis.In this case, when they decided to go public, they made two reports, but we only got to see the unclassified one, which leaves out the sensitive details about how we know what we know. Here’s how it’s explained in the report:“Assessing Russian Activities and Intentions in Recent US Elections” is a declassified version of a highly classified assessment that has been provided to the President and to recipients approved by the President.The Intelligence Community rarely can publicly reveal the full extent of its knowledge or the precise bases for its assessments, as the release of such information would reveal sensitive sources or methods and imperil the ability to collect critical foreign intelligence in the future.Thus, while the conclusions in the report are all reflected in the classified assessment, the declassified report does not and cannot include the full supporting information, including specific intelligence and sources and methods.Since they can’t tell us their evidence, any answer to this question on Quora will be missing the majority of the evidence.However, even without them spilling all their secrets, there’s quite a bit that’s publicly known. And the preceding two sentences taken together should underscore just how overwhelming the evidence must be.One last thing before diving in, a quick note of caution: Do not be confused by talk about “the dossier” or “the Nunes memo” as they have little to do with this.Ok, so here’s some of the evidence that’s publicly known:Democratic servers were hacked by Russians. Although the government isn’t willing to expose all their evidence for this, we have plenty.Let’s start with the strong forensic information from multiple private sector firms.The Democratic National Committee suspected something happened but wasn’t sure what, so they “called in CrowdStrike, a security firm that specializes in countering advanced network threats.”While the infiltration was very advanced, within just two hours CrowdStrike discovered reams of evidence that left little doubt that not only did the Russians hack them, but two different Russian agencies had.Knowing that this was a big claim, they published their evidence. Their report is pretty specific. It’s not that long but includes all sorts of technical details, including excerpts from the actual code, among other things. Feel free to read it if you want to get deeper into the weeds.It’s not just the company the Democrats hired saying so: “Two competing cybersecurity companies, Mandiant (part of FireEye) and Fidelis, confirmed CrowdStrike's initial findings that Russian intelligence indeed hacked the DNC.” Now, we’re up to three saying so.Then a fourth cyber security firm “examined the forensic data from the DNC hack themselves, and endorsed Crowdstrike’s conclusions.” This company you might’ve even heard of: Symantec.The U.S. government confirmed the findings as well. A separate report we’ll get into later reiterated many of the points raised by CrowdStrike, including when each of the Russian intelligence agencies they identified infiltrated the DNC (the hacks were done at different times).Part of the evidence is that CrowdStrike had seen these digital fingerprints before. They investigate 15,000 hacks every year, so when their software analyzes systems, it recognizes that certain sequences of actions taken form patterns that become a unique signature. Wired explains, “Every action at a system level on the DNC's computers was recorded and checked against CrowdStrike's bank of prior intelligence (the company processes 28 billion computer events a day).” There are “a handful of small but signNow tells: data exfiltrated to an IP address associated with the hackers; a misspelled URL; and time zones related to Moscow.”In other words, the companies are familiar with these hackers and know what to look for. Here’s a little blurb about how familiar they are with their modus operandi:“Security companies can tell you much more about these groups, their code, their infrastructures, and their methods. (The Finnish security firm F-Secure has an excellent 34-page write-up of [one of the Russian intelligence agency hacker groups], and FireEye has a deep dive into [the other Russian hacker group], among many other reports by different companies.) (PDF) From analysis of the dozens of malware packages used exclusively by these hackers, researchers can tell you that…“They’re usually compiled on machines with the language set to Russian.”“Both groups operate during working hours in Russia, and take Russian holidays off.”“Their targets are radically different from those of for-profit criminals hackers in Eastern Europe or anywhere else—no banks, no retailers with credit card numbers to steal—always governments, companies, journalists, NGOs, and other targets that the Russian government would be interested in.”One part of the hack involved tricking DNC employees with phony links that were used in previous hacks tied to Russia.As good as the Russians were at hacking, they made mistakes, during and after the hack. For example, they inadvertently left Russian-language metadata in the leaked files.Oops.There’s even Russian language error messages accidentally embedded due to the way they exported the docs. Crowdsourcing spotted that, not just the cyber firm. A Twitter user who used to work for British intelligence did some great analysis."error! invalid hyperlinks" in Russian... pic.twitter.com/T9jmLnNiKF— davi (((
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How do I establish a private limited company?
A private limited company is the most common form of business entity in India. It is easy to maintain and raise funds, offers limited liability to its members, offer flexibility, easy bank loan accessibility.Read Advantages of Private Limited Company. Following are the steps involved in the registration of private limited company Basic requirementThere must be at least 2 members in the companyThe company shall be made for legal business and must not harm the society. The company object should not be illegal.In case, if the registrar issue the certificate of incorporation to such business entity , then certificate will be void and registration will be itself cancelled by the Central Government and appropriate proceeding will take place against the entity and the Registrar.Read in detail Pre-Requisites for Registration of Private Limited Company Step 1: Obtaining Director Identification Number (DIN) & Digital SignatureThe First step isObtaining Director Identification Number (DIN) for the proposed Directors in the CompanyObtaining Digital Signature for one of the Directors of Company.After this, application for name of Private Limited Company must be applied. Step 2: Applying for the nameThe promoters should propose one or more suitable name for the name of company as it offers the flexibility and choice to registrar to select the name in case some names are identical or similar to registered business entities or trademarkThe name should not be similar or identical to any registered company or trademark.The name should not be one prohibited under the ‘Emblems and names Act, 1950’.The name of company must have suffix “Private limited Company “.After submission of name, registrar will review and approve one of the name .It usually takes 3 to 5 working days to approve the name for company .Read tips for Choosing the right name for your company registration for easy approval of name by ROC.Step 3: Filing for Incorporation/Establishing of Private Limited CompanyAfter the name approval, promoters should submit the application, prescribed fees and below said following documents to the registrar.Articles of Association, if anyMemorandum of AssociationDeclaration from DirectorsAffidavits of the DirectorsA declaration stating that the requirements of the Act and the rules framed there under have been compiled with. This declaration is required to be signed by an advocate of the or Supreme Court or an attorney or a pleader having the right to appear before or a High Court or a Chartered Accountant in whole time practice in India who is engaged in the formation of a company, or by a person named in the Articles as a Director, Manager or Secretary of the Company.Besides the aforementioned documents, the company must provide relevant information regarding of its registered office within 15 days of registration or during filing of incorporation documents.Step 4: Subscribing to the Private Limited CompanyAs per the Companies Act 2013, a subscriber must sign their names and must be subscribed to the shares of the company incorporated. It means each subscriber must have at least one share of the company. Each subscriber should sign the memorandum in presence of at least one witness and must clearly state the following:AddressPersonal DescriptionOccupationNo of shares subscribedNature of shares etc.Likewise both (Article and Memorandum of association) must be duly signed and stamped.Step 5: Certificate of IncorporationAfter filing the above-mentioned documents and payment of necessary fees, the certificate for incorporation would be issued by the Registrar of Companies. Upon Incorporation, the company becomes a legal person separate from its members.The process to register a private limited is complex and time-consuming. Our team at LegalRaasta can help startups and Entrepreneurs Register Private Limited Company in 14-15 days @ 13,999/- only (inclusive of government fee) saving 40% compared to typical CA/CS
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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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How secure is WhatsApp's new end-to-end encryption?
Warning long answer!Since 1990, I’ve been studying the confidentiality of the messaging systems on computers and mobile devices.It was obvious that the electronic forums, emails and SMS messages could easily be intercepted by 3rd parties. Expecting the service providing companies to develop and implement confidentiality protocols were unrealistic. There were never a general consensus about the need for confidentiality or inter-service protocol development.With the discouragement of the governments many computer scientists shied away from creating software to keep communication confidential between parties.Many spy movies showed advanced technologies to keep the communication between spies and their organizations. The most famous being the Enigma machine used by the Germans during the World War 2. British scientist Alan Turing was the one to develop an early version of today’s computers to solve the mystery of the Enigma machine. Like every visionary he had serious problems with the establishment. After the government discovering that he was gay, he was given 2 options. First option was jail time until he turned heterosexual, or chemical castration. Poor Turing chose the second option and after a while he committed suicide. Every cryptologist today remembers to what happened to the first representative of this science.Without getting into the technological terms (they are all available on Wikipedia) the best way to keep conversation confidential is to use a code book between 2 (or more, but more on that later) parties. A code book is a simple definition and a list of codes that is shared between the parties and each code is used only once. Unless the code book is compromised this method of communication privacy is bullet proof. There is no computer in the world, and there won’t be any in the future that can figure out what the communication is. The only method would be the old school spying on the parties who are communicating between each other.If I need to give an example for the method above, it would be like, let’s choose a newspaper that is accessible to both parties. That will be our message base.Let’s define a codebook now:First code in the book is3–4,6–7,1–2 and repeats itselfsecond code is5–7,3–1,8–5,4–2 and repeats itselfSo let’s say I send you a message today like20,42,15,5,8,67,23,56,12,43,13,11,10Since it is our first message exchange you will use the first code in the book. Also our message base is only known to us which also makes it even more difficult for others to understand the secret message I just sent you.To understand the message, here is what you do: you pick up today’s New York Times which is the newspaper we agreed to use.Take the first number in the secret message which is 20, then look in the codebook for the first code which is 3–4. You go to the 3rd page find the 4th paragraph and get the 20th character and repeat this process for each number in the secret message I sent.Let’s say MI6 is trying to intercept the message, which they do because I sent the message by email or SMS or event with both to you.All they have is 20,42,15,5,8,67,23,56,12,43,13,11,10 and they have no idea what it means. They don’t know which text source we used, which was New York Times and they don’t know the code we used for that message which was 3–4,6–7,1–2. We can even make this more difficult, for each day of the week we use a different newspaper that we agree upon.And let’s say MI6 figures out which newspaper we use for each day, let’s say they even figure out our code mechanism which is the page, paragraph and character to decode the secret message.As long as we use each line of code only once and never repeat used codes, there is virtually no way that MI6 to figure out our conversation. Except of course sending their double o agent to one of us and beating us in the head with an iron bar which would make us sing like a bird and spill all the secrets.As you can see in the example an iron bar, strategically placed on your head with a moderate blow would break all the code we established.That reality aside, if I whisper to your ear the newspaper names and hand you a piece of paper with a list of codes which I also have the same copy, until ve run out of codes there is no way our communication can be interpreted when intercepted.The difficulty in this type of message confidentiality is sharing and keeping a piece of paper with a list of codes and do the code exchange again when the list of codes are depleted and never use a code again.When this is not possible for practical reasons like distance between parties or the number of messages exchanged being too high and frequent the methodology used is computer based encryption (ensuring the confidentiality of communication between parties) of messages.This is also not so unlike what we did in the first example. To create our never ending codes is that for each message we exchange we use 3 constants. You have a master key, a public key and we agree on a mathematical formula which is very very difficult for the computer to solve. The difficulty here ensures that the time to try every combination of variables (without the master key) for the formula is so long, it practically makes it impossible for others to guess our code list.In this method I also have a master key and a public key. To solve the issue of keeping a list of established codes and communicating that between parties we freely exchange our public keys with everyone and when I’m sending you a message, I use your public key (any of my keys except generating a special signature with my private key so that you can validate with my public key that ensures the message has originated really from me) to create a confidential message. When you receive it by email, SMS or regular post mail, you use your private key which can only find out the contents of the confidential message. And since we are talking about computer systems, we protect our private keys with passwords.I don’t like using names given by computer engineers or any other technical person but for the sake of clarification this master/public key and an established algorithm to use is called public private key cryptology.Another term I don’t like is ‘end to end encryption’. This is to confirm that the cryptology method used can not be intercepted by other parties and only the recipient can understand the contents of the message.One company who has developed an implementation of end to end encryption is Open Whisper Systems. They named their product ‘Signal’ which is a platform and also the name of their app on iOS and Android. Their product uses this public private key cryptology to ensure the text and voice communications between parties to stay confidential. Supposedly the infamous NSA whistle blower Edward Snowden uses their app and he considers it quite good.Now let’s circle back to the WhatsApp security issue. WhatsApp is using the protocol established by the Open Whisper Systems for their public private key protected communications (audio, video and text messages).The problem is the user friendliness of the Signal app is not good. There are certain times that these public and private keys have to be changed. 2 example of those times is if you change your phone or uninstall / reinstall your app (whichever app you are using, Signal or WhatsApp)To test the user friendliness of Signal App’s handling the change of the key pairs (public private key combinations) I used my regular human guinea pig Riz. It was very difficult for me to explain what he has to do and also to find the location of the menu items were horribly difficult. After cursing at me and the app designers many times Riz completed the approval of the new key exchange between us so we could communicate again.Let’s have a look into how WhatsApp has implemented this renewal of key pairs between users. Since authenticity of a user can only identified by trusting their private key signed signature and for the likely case of the user have a new phone or has reinstalled the WhatsApp App, WhatsApp servers keep a copy of the secret message until the recipient downloads it. Now let’s say that you sent me a message while I was offline and I changed phones meanwhile. When I get that message from you what the Signal app does is, it warns me and it won’t let you communicate with you until I approve your new public key (in the style of a combined public keys of both parties because there is only one code that needs to be verified on both ends). Instead of asking user to do the verification what WhatsApp does it re-encrypts your message with my new key again (in their explanation by asking your WhatsApp to keep that message in memory in encrypted form and first decrypt then re-encrypt the same message with my new public key) without asking neither of us to re-confirm the identity of both parties.This technically opens up a backdoor for intelligence agencies to decrypt the messages between parties.How does that happen? WhatsApp confirms App installation by SMS confirmation. Let’s say I want to intercept your WhatsApp messages. I send a team in a delivery van which looks like a repair van but which has a mobile communication signal jammer to your home address. The jamming is smart enough to make your phone think it is still in network coverage so you don’t suspect a thing unless you try to make a call which will look like mobile network is crowded and unavailable. While I knock your phone off the network I can do 2 things, I can either intercept any SMS messages which comes your way in my service van, or give a court order to the mobile phone company to give me a copy of your SMS messages in real time.Then I install WhatsApp on a new phone, enter your phone number as my number and receive a copy of the SMS confirmation with the verification number and enter it in WhatsApp. From that moment on I will receive any waiting (since I knocked you off mobile network) and any news messages WhatsApp users send to you.Intentional or unintentional this is a secret door that can be easily used by government agencies.If I used the above technique to intercept messages between Signal users, what would happen were to be, first I couldn’t receive any messages waiting in the cloud because Signal does not keep messages in the cloud, when you are offline, the message waits in the sender’s Signal App. When the sender tries to send a new or resend the unsent message to you, my new installation of Signal app on my government agency phone will inform your friend, the sender that I’ve changed our shared agreed secret code and asks your friend if s/he wants to approve this new installation on the other end by confirming the new shared secret code with you. When s/he calls you on your landline, you say you haven’t installed a new WhatsApp on your phone or changed phones, you both understand that there is another party in between trying to intercept your messages.Now, WhatsApp says that there is an option in their App, under Settings / Account / Security / Show Security Notifications which is by default off. If you turn this ON then their claim is you will receive notifications when a contact’s security code has changed. They don’t say if the messages will still be delivered in spite of a security notification or not. They add that ‘The messages you send your calls are encrypted regardless of this setting, WHEN POSSIBLE’. I capitalized the last 2 words, what the heck ‘WHEN POSSIBLE’ mean? They also do not say anything about the messages you are going to receive. Even though you enable this warning setting on, if your friend’s setting is not on, they will not be notified if the messages they are sending to you are intercepted.This unintentional secret door is called a ‘user friendly design choice’ by WhatsApp. It is such a user friendly design choice it is government agents friendly as well. I can’t imagine how many diplomats already delivered confidential messages to enemy agencies using WhatsApp. Diplomats in Brussels wake up and smell the coffee…
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How is Harvard Business School so out of touch with Apple Pay?
“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.
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Which are the frequently asked interview questions for Java Engineers ?
Some of the frequently asked Interview questions for java developers are:1 What is an object ? 2 What is method overriding in java ? 3 What is super keyword in java ? 4 What is method overloading in java ? 5 What is difference between c++ and Java ? 6 What is JIT compiler ? 7 What is bytecode in java ? 8 Difference between method overloading and method overriding in java ? 9 Difference between abstract class and interface ? 10 Why java is platform independent? 11 Difference between this( and super( in java ?12 How to call one constructor from the other constructor ? 13 what are static blocks and static initalizers in Java ? 14 What is method in java ? 15 What is constructor in java ? 17 Difference between Character Constant and String Constant in java ?18 Why main( method is public, static and void in java ? 19 Explain about main( method in java ? 20 What is difference between length and length( method in java ? 21 What is ASCII Code? 22 What is Unicode ? 23 What are constants and how to create constants in java? OOPS24 Explain about object oriented programming and its features? 25 What is Abstraction? 26 What is Encapsulation? 27 What is the difference between abstraction and encapsulation? 28 List out benefits of object oriented programming language? 29 Differences between traditional programming language and object oriented programming language? 30 What is Inheritance? 31 What is Polymorphism? 32 How does Java implement polymorphism? 33 Explain the different forms of Polymorphism 34 What is runtime polymorphism or dynamic method dispatch? 35 What is Dynamic Binding? 36 What is method overloading? 37 What is method overriding? 38 What are the differences between method overloading and method overriding? 39 Can overloaded methods be override too? 40 Is it possible to override the main method? 41 How to invoke a superclass version of an Overridden method? 42 What is super? 43 How do you prevent a method from being overridden? 44 What is an Interface? 45 Can we instantiate an interface? 46 Can we create an object for an interface? 47 Do interfaces have member variables? 48 What modifiers are allowed for methods in an Interface? 49 What is a marker interface? 50 What is an abstract class? 51 Can we instantiate an abstract class? 52 What are the differences between Interface and Abstract class? 53 When should I use abstract classes and when should I use interfaces? 54 When you declare a method as abstract, can other nonabstract methods access it? 55 Can there be an abstract class with no abstract methods in it? 56 What is IS-A relationship in java?57 What is HAS A relationship in java?58 Difference between IS-A and HAS-A relationship in java?59 Explain about instanceof operator in java?60 What does null mean in java?61 Can we have multiple classes in single file ?62 What all access modifiers are allowed for top class ?63 What are packages in java?64 Can we have more than one package statement in source file ?65 Can we define package statement after import statement in java?66 What are identifiers in java?67 What are access modifiers in java?68 What is the difference between access specifiers and access modifiers in java?69 What access modifiers can be used for class ?70 Explain what access modifiers can be used for methods?71 Explain what access modifiers can be used for variables?72 What is final access modifier in java?73 Explain about abstract classes in java?74 Can we create constructor in abstract class ?75 What are abstract methods in java?Type Casting 76 What is TypeConversion? 77 Explain Implicit Conversion/ Widening/Automatic Type Conversion? 78 What is Explicit Conversion/Narrowing/Casting? 79 Can a double value be cast to byte? How to cast double value to byte with help of the example? 80 Can a Boolean primitive value to be converted to any other primitive in java? 81 What is autoboxing and autounboxing? 82 What are advantages of autoboxing and autounboxing? 83 How to cast objects or what is object casting? 84 What is upcasting or downcasting? Exception Handling85 State some situations where exceptions may arise in java?86 What is Exception handling in java?87 What is an eror in Java?88 What are advantages of Exception handling in java?89 In how many ways we can do exception handling in java?90 List out five keywords related to Exception handling ?91 Explain try and catch keywords in java?92 Can we have try block without catch block?93 Can we have multiple catch block for a try block?94 Explain importance of finally block in java?95 Can we have any code between try and catch blocks?96 Can we have any code between try and finally blocks?97 Can we catch more than one exception in single catch block?98 What are checked Exceptions?99 What are unchecked exceptions in java?100 Explain differences between checked and Unchecked exceptions in java?101 What is default Exception handling in java?102 Explain throw keyword in java?103 Can we write any code after throw statement?104 Explain importance of throws keyword in java?105 Explain the importance of finally over return statement?106 Explain a situation where finally block will not be executed?107 Can we use catch statement for checked exceptions?108 What are user defined exceptions?109 Can we rethrow the same exception from catch handler?110 Can we nested try statements in java?111 Explain the importance of throwable class and its methods?112 Explain when ClassNotFoundException will be raised ?113 Explain when NoClassDefFoundError will be raised ?Nested Class & Inner Class114 What are inner classes or non static nested classes in java? 115 Why to use nested classes in java? 116 Explain about static nested classes in java? 117 How to instantiate static nested classes in java? 118 Explain about method local inner classes or local inner classes in java? 119 Explain about features of local inner class? 120 Explain about anonymous inner classes in java? 121 Explain restrictions for using anonymous inner classes? 122 Is this valid in java ? can we instantiate interface in java? 123 Explain about member inner classes? 124 How to instantiate member inner class? 125 How to do encapsulation in java? 126 What are reference variables in java ? 127 Will the compiler creates a default constructor if I have a parameterized constructor in the class? 128 Can we have a method name same as class name in java? 129 Can we override constructors in java? 130 Can Static methods access instance variables in java? 131 How do we access static members in java? 132 Can we override static methods in java? 133 Difference between object and reference? 134 Objects or references which of them gets garbage collected? 135 How many times finalize method will be invoked ? who invokes finalize( method in java?136 Can we able to pass objects as an arguments in java? 137 Explain wrapper classes in java? 138 Explain different types of wrapper classes in java? 139 Explain about transient variables in java? 140 Can we serialize static variables in java? 141 What is type conversion in java? 142 Explain about Automatic type conversion in java? 143 Explain about narrowing conversion in java? 144 Explain the importance of import keyword in java? 145 Explain naming conventions for packages ? 146 What is classpath ? 147 What is jar ? 148 What is the scope or life time of instance variables ? 149 Explain the scope or life time of class variables or static variables? 150 Explain scope or life time of local variables in java? 151 Explain about static imports in java? 152 Can we define static methods inside interface? 153 Define interface in java? 154 What is the purpose of interface? 155 Explain features of interfaces in java? 156 Explain enumeration in java? 157 Explain restrictions on using enum? 158 Explain about field hiding in java? 159 Explain about Varargs in java? 160 Explain where variables are created in memory? 161 Can we use Switch statement with Strings? 162 In java how do we copy objects? Theads163 What is thread in java? 164 Difference between process and thread? 165 What is multitasking ? 166 What are different types of multitasking? 167 What are the benefits of multithreaded programming? 168 Explain thread in java? 169 List Java API that supports threads? 170 Explain about main thread in java? 171 In how many ways we can create threads in java? 172 Explain creating threads by implementing Runnable class? 173 Explain creating threads by extending Thread class ? 174 Which is the best approach for creating thread ? 175 Explain the importance of thread scheduler in java? 176 Explain the life cycle of thread? 177 Can we restart a dead thread in java? 178 Can one thread block the other thread? 179 Can we restart a thread already started in java? 180 What happens if we don’t override run method ? 181 Can we overload run( method in java? 182 What is a lock or purpose of locks in java? 183 In how many ways we can do synchronization in java? 184 What are synchronized methods ? 185 When do we use synchronized methods in java? 186 When a thread is executing synchronized methods , then is it possible to execute other synchronized methods simultaneously by other threads? 187 When a thread is executing a synchronized method , then is it possible for the same thread to access other synchronized methods of an object ? 188 What are synchronized blocks in java? 189 When do we use synchronized blocks and advantages of using synchronized blocks? 190 What is class level lock ? 191 Can we synchronize static methods in java? 192 Can we use synchronized block for primitives? 193 What are thread priorities and importance of thread priorities in java? 194 Explain different types of thread priorities ? 195 How to change the priority of thread or how to set priority of thread? 196 If two threads have same priority which thread will be executed first ? 197 What all methods are used to prevent thread execution ? 198 Explain yield( method in thread class ? 199 Is it possible for yielded thread to get chance for its execution again ? 200 Explain the importance of join( method in thread class? 201 Explain purpose of sleep( method in java? 202 Assume a thread has lock on it, calling sleep( method on that thread will release the lock? 203 Can sleep() method causes another thread to sleep? 204 Explain about interrupt() method of thread class ? 205 Explain about interthread communication and how it takes place in java? 206 Explain wait() , notify() and notifyAll() methods of object class ? 207 Explain why wait(), notify() and notifyAll() methods are in Object class rather than in thread class? 208 Explain IllegalMonitorStateException and when it will be thrown? 209 when wait(), notify(),notifyAll() methods are called does it releases the lock or holds the acquired lock? 210 Explain which of the following methods releases the lock when yield(), join(),sleep(),wait(),notify(), notifyAll()methods are executed?211 What are thread groups? 212 What are thread local variables ? 213 What are daemon threads in java? 214 How to make a non daemon thread as daemon? 215 Can we make main() thread as daemon?Collection Framework216 What is collection ?217 Difference between collection, Collection and Collections in java?218 Explain about Collection interface in java ?219 List the interfaces which extends collection interface ?220 Explain List interface ?221 Explain methods specific to List interface ?222 List implementations of List Interface ?223 Explain about ArrayList ?224 Difference between Array and ArrayList ?225 What is vector?226 Difference between arraylist and vector ?227 Define Linked List and its features with signature ?228 Define Iterator and methods in Iterator?229 In which order the Iterator iterates over collection?230 Explain ListIterator and methods in ListIterator?231 Explain about Sets ?232 Implementations of Set interface ?233 Explain HashSet and its features ?234 Explain Tree Set and its features?235 When do we use HashSet over TreeSet?236 What is Linked HashSet and its features?237 Explain about Map interface in java?238 What is linked hashmap and its features?239 What is SortedMap interface?240 What is Hashtable and explain features of Hashtable?241 Difference between HashMap and Hashtable?242 Difference between arraylist and linkedlist?243 Difference between Comparator and Comparable in java?244 What is concurrent hashmap and its features ?245 Difference between Concurrent HashMap and Hashtable and collections.synchronizedHashMap?246 Explain copyOnWriteArrayList and when do we use copyOnWriteArrayList?247 Explain about fail fast iterators in java?248 Explain about fail safe iterators in java?Serialization249 What is serialization in java? 250 What is the main purpose of serialization in java? 251 What are alternatives to java serialization? 252 Explain about serializable interface in java? 253 How to make object serializable in java? 254 What is serial version UID and its importance in java? 255 What happens if we don’t define serial version UID ? 256 Can we serialize static variables in java? 257 When we serialize an object does the serialization mechanism saves its references too? 258 If we don’t want some of the fields not to serialize How to do that? 259 Explain importance of object class in java? 260 Explain purpose of object class or why object class is super class for all java classes? 261 Explain Object class methods? 262 List methods which can be overrided from Object class? 263 Explain purpose of toString( method in java?Strings 264 Explain Strings in java?265 Difference between Strings and Character Arrays in java?266 Explain importance of String class in java?267 In how many ways we can create Strings in java?268 Explain how to create Strings using String literal and advantages of creating Strings using String literal?Class Loaders 269 What are classloaders and different types of class loaders in java?270 What is BootStrap class loader and how does it works?271 What is Extensions class loader and how does it works?272 What is application class loader and how does it works?273 When an object becomes eligible for garbage collection?274 Who performs garbage collection?275 When does garbage collector run?276 Which algorithm garbage collector uses to perform garbage collection?277 List out different garbage collection algorithms?278 Can we force JVM for garbage collection?279 How to request jvm to perform garbage collection operation?280 Explain the purpose of finalize method in relation to Garbage collection?281 How many times finalize method is called on an Object?282 Once an object is garbage collected can it become signNowable again?283 How to write a code that makes an object eligible for garbage collection?
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