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FAQs
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How do I manage safe and convertible noteholders when raising my series A?
How do I manage SAFE and Convertible Noteholders when raising my Series A? The proliferation of SAFEs and Convertible Notes the past few years has given rise to a new problem when raising your Series A financing – “party rounds” with a lot of stakeholders who prove difficult to manage.More and more, we are seeing Series A companies with a signNow number of outstanding converting securities. The range for Series A financings we have worked on in 2017 and 2018 has been anywhere from twenty to sixty converting securities, with the majority being SAFEs. Total Seed financing has increased such that the range we are now seeing is a couple of million dollars up to ar...
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What are some great free online tools for entrepreneurs?
There’s quite a lot out there, depending on what you’re looking for :)Some free online tools (in no particular order):Dropbox. Save and share everything.Evernote. Best note app ever.FreePik. Find thousands of free images.SurveyMonkey. Create surveys to gauge customer feedback.Rapportive. Useful tool for Gmail that allows you to see other people’s social media profiles.Trello. Project management made simple.Slack. Work communication simplified.AdCat. Allows you to use a single picture to get perfect-sized, up-to-date ad images for Facebook, Instagram, and Twitter. Free.Easel.ly. Great infographic generator for creating attractive content. Engaging content is vital for attracting audiences.Google Analytics. See who’s coming to your site and from where, among many many other awesome functions.Sidekick. Awesome email tool that tracks when emails are opened — super useful for proper follow-ups.Hotjar. Recordings of users on your website. Amazing to understand user behavior, which drives marketing strategies.Hootsuite. For social media management in one easy to use dashboard.Leadin by Hubspot. For lead management.Ahrefs. Powerful SEO tool.Later. Instagram consistently shows amazing engagement with users. This tool manages scheduling for you.Crowdfire. Great tool to figure out who to follow on social media for optimal engagement.BuzzSumo. Analyze what content performs best.Social Rank. Allows you to see which are your most valuable followers.UberSuggest. Free keyword suggesting tool.LinkMiner. Free tool for the link building strategy.JustsignNowOut. Finds journalists interested in covering you.Keyword.io. Free keyword research tool for SEO.MailChimp. To run automated email campaigns.Optimizely. A/B testing to optimize your website.Google Trends. Shows how often a particular search-term is entered.TweetDeck. Owned by Twitter, it makes discovering content easily digestible and allows you to find the topics and people you want.Title Maker. Content idea generator.Explore. Get to know what’s trending.Engage Master. Convert visitors to customers.Startup Bootstrap. Website building templates.Submit.co. Get press for your startup.SumoMe. Tool set to grow your website traffic.Quip. View documents on any device.Atomic Squirrel. Startup checklist.There’s tons more out there depending on what you are looking for specifically. I’m happy to update and reorganize if you need more :)Disclosure: I’m working on AdCat.
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What are the regulations for online beer sales in the UK?
Selling online: an overview of the rulesThis is an edited version of a guide for businesses.E-commerce TMT & Sourcing TMT Retail Education UKThere has been a steady growth in the variety and volume of goods and services which are available on-line to both businesses and consumers, and on-line selling is increasingly seen as a major way for all businesses to save costs. Almost inevitably, as the practice of on-line selling proliferates so does the amount of legislation governing it. This article provides an overview of the law governing on-line sales in the UK and an analysis of the issues that a business should consider before setting up an on-line sales process.The law governing online salesThere are two distinct types of legislation that affect on-line retailers. Firstly, traditional consumer protection regulations apply to all consumer sales made on-line. These regulations are well established, but it is important to remember that they apply to on-line retailers as much as they do to traditional ones. Secondly, there are regulations designed specifically to deal with problems and issues facing retailers on-line.Traditional consumer protection regulationsThese protect purchasers and consumers whether they are buying the goods over the counter of a shop or over the internet. For instance the Sale of Goods Act gives certain rights to purchasers about the quality of the goods they receive, and their rights if the goods fail to live up to these standards. The Consumer Credit Act protects consumers' rights when they enter into an agreement for someone to provide them with loans or credit facilities including circumstances where they buy goods or services using a credit card. The Unfair Terms in Consumer Contract Regulations protect consumers' rights where they enter into agreements with retailers who try to impose unfair terms in the agreement. There are also numerous other pieces of legislation, many of which will apply to different contract and product types.Online regulationsThese regulations are new, and were brought into force largely to protect consumers' rights when they buy products either over the internet or by telephone. They largely derive from EU Directives, and include the E-commerce Regulations , the Distance Selling Regulations and the Electronic Signatures Regulations . These are the regulations that control the actual on-line sales process and they provide the starting block from which we can consider the practical business requirements of on-line retailers.Although the traditional consumer regulations are important for all sales processes, this article focuses on the on-line regulations and how they affect the various stages of the on-line sales process. The next five sections take you through what the regulations require including information that must be provided to a purchaser, the use of electronic signatures, contract formation issues and ensuring your contract is legal.Information that must be suppliedThe various regulations share a central theme: companies should not hide themselves from purchasers, and should provide as much information to purchasers as possible.Company information that must be supplied under the E-Commerce RegulationsThe E-Commerce Regulations require that all commercial web sites make the following information directly and permanently available to consumers via the website:the company's name, postal address (and registered office address if this is different) and email address;the company's registration number;any Trade or Professional Association memberships;the company's VAT number.All of this applies regardlessof whether the site sells on-line. In addition, any commercial communication – that is any email or even SMS text message – used in providing an "Information Society Service" must display this information.The E-Commerce Regulations also require that all prices must be clear and unambiguous, and web sites must state whether the prices are inclusive of taxes and delivery costs.Contractual information that must be supplied under the E-Commerce RegulationsWhen it comes to actually going through the contractual process the requirements for information increase once again and the consumers must be told:the steps involved in completing the contract on-line;whether the contract will be stored by the retailer and/or permanently accessible;the technical means the site uses to allow consumers to spot and correct errors made while inputting their details prior to the order being placed;the languages offered to conclude the contract;The website must also provide links to any relevant Codes of Conduct to which the retailer subscribes and set out the retailer's Terms and Conditions, in a way which allows users to save and print them.All of this information must be provided before the purchaser selects the product and starts the contractual process and it is possible to convey it early on in the sale, without deterring users with an unwieldy sales process. The most common route is to bundle as many of these details into the terms and conditions as possible, and ensure that consumers are appropriately directed to read them.Information that must be supplied under the Distance Selling RegulationsThese Regulations set out the information which must be provided to a consumer prior to the conclusion of the contract.The information must be provided in a clear and comprehensible manner which is appropriate to the means of distance communication used. This means that the information can be set out on a web page, provided that the information is brought to the attention of the consumers before the contract is entered into. The information to be provided includes all of the information which a supplier should, in any event, wish to provide in relation to:the identity of the supplier;the main characteristics of the goods or services;their price;arrangements for payment and delivery; andthe existence of the right of cancellation created under the Distance Selling Regulations.Information that should be set out in the terms and conditionsThe terms and conditions should:make it clear who is selling the product, together with the geographical and email address;describe clearly what the customer is getting and what it will cost, including all taxes and delivery costs; andidentify the arrangements for delivery of the product.The terms and conditions of the site are very important, and will vary for every retailer. It is important that the terms and conditions are properly drafted, as poorly drafted terms and conditions will expose the retailer to unnecessary risk.Electronic signaturesThe Electronic Signature Regulations apply to any contract and not just those entered into with consumers. In order for there to be a binding contract the following essential elements of a contract must be present:an unconditional offer;an unconditional acceptance of that offer;consideration passing from both parties other than in Scotland where consideration is not a requirement; andan intention to create legal relations, i.e. the parties must intend to enter into a legally binding contract.There must also be certainty as to the terms, parties and subject matter of the contract. For the majority of contracts there is no legal requirement for a signature.Whenever a person buys or sells something he or she is entering into a contract, no matter how small the purchase. In the newsagents, when a person buys a newspaper he or she contracts with the newsagent for the purchase. The newsagent makes an 'Invitation to Treat' by placing the publication on sale. The person offers to purchase it from the newsagent, proffering money, and the offer is accepted (concluding the contract) by taking the money. This is still a contract, although not a word needs to be said, and nothing is written down. However, the essentials of a contract have been formed: an offer (to buy, or sell), an acceptance of that offer, and (everywhere except Scotland) consideration (whether money being paid, or some other form of consideration) for the sale. The various stages of the contractual process will be discussed in more detail later, as it is important to distinguish between who is making the offer and who is accepting it.Signatures are not actually necessary for the conclusion of every contract (your visit to the paper shop could become a chore), but they can have three essential functions when we consider on-line contracts:To identify the person who has bought the product;To indicate a personal involvement, or trustworthiness; andTo indicate an intention to be bound to the contract.The principal, and simple effect of the Electronic Signature Regulations is to make electronic signatures legally valid. Most of the discussion, and further interpretation of electronic signatures actually comes from a report published in December 2001 by the Law Commission entitled "Electronic Commerce: Formal requirements in Commercial Transactions", and in subsequent guidance from the DTI.Depending on exactly what is being sold the method of collecting the electronic signature will vary. In most cases, the function required of the electronic signature is the third one listed above – indicating that the purchaser is making an offer to contract. However, for more complex products being sold on-line, for instance financial services products, the role of the signature may become more important for one or both of the first two reasons.Depending on the value and/or importance of the transaction the parties may want a greater degree of certainty as to reliability of the signature. This may involve the use of public key infrastructure, for example.Contract formation issuesThe main issues considered in this section are how, when and where the contract is formed. This involves an analysis of the contract formation procedure based on the principle of offer and acceptance and the significance of the "country of origin" principle.The offer and acceptance procedure onlineStep 1: Establishing the offer and acceptance procedureThis is where the E-commerce Regulations can be used to the seller's advantage. It is possible to sell on-line and take payment by credit card without concluding the contract on-line. The solution is to provide that the customer is making an offer on the site and that the contract will be formed only if the customer's order is accepted – and that taking payment from the customer's credit card does not indicate cceptance.On-line merchant accounts provide for making refunds to a customer's credit card. Therefore, the terms should explain that, while the customer's card may be debited before the contract is formed, if the customer's order is ultimately rejected, a refund will be made immediately.Step 2: Completing the order formThe customer is taken to the order form where he completes the quantity of goods and his delivery details. It would be good practice to offer three buttons: submit, clear and cancel. The "clear" button is needed because the E-Commerce Regulations require a means for the customer to correct any errors.Step 3: Incorporating the terms and conditionsAt the bottom of the terms and conditions page the purchaser should, ideally, be required to check a box to indicate that he or she has read, understood and accepted the terms and conditions, before clicking the "Accept" button. The "Accept" button should not work until the box has been checked. Equally the page should be designed in such a way that the consumer cannot check the box and click "Accept" until the page has fully loaded onto the screen. By doing this, you improve your position in the event that a purchaser claims there was no opportunity to read your terms.While there is no responsibility on the retailer to ensure that the consumer has in fact read them, following this procedure will demonstrate that reasonable efforts have been made to bring them to purchasers' attention. The terms and conditions should be in a format that can be printed or saved – therefore avoid pop-up windows and ensure that they fit within the width of the page and are presented in a way that they will print properly.It is wise to also include a term like the following:"By clicking the 'Accept' button you agree to these terms and conditions. By completing and submitting the following electronic order form you are making an offer to purchase goods which, if accepted by us, will result in a binding contract."The words, "if accepted by us," are very important.This approach is the suggested 'best practice' approach for relaying the terms and conditions, and ensuring that the consumer has read them. However, it is not the most consumer friendly approach to present the purchaser with a screen of 'small print' in the middle of what, to the consumer, was an otherwise normal shopping experience. Therefore a number of on-line retailers adopt a second-best approach, which is to include a link to the terms and conditions, and make the consumer tick a box to confirm that they have read and accepted the terms and conditions, before they click the main button to buy the product. This approach, while not as legally secure, is probably acceptable in a number of purchasing models.Step 4: Taking the consumer's credit card details on-lineAt this stage, the user should be taken to the page on a secure server where his credit card details are taken. This page should state: "Your card will be debited with the sum of £X when you click the Submit button. This will be refunded if your offer is refused." Repeat the choice of submit, clear and cancel.Step 5: Acknowledging receipt of the orderWhen the card details are validated, the E-Commerce Regulations require that you give the customer an acknowledgement page and send an acknowledgement email. This should not confirm a contract; it should instead confirm that the order has been received and that the order is being "processed". It is helpful to give the customer an order number at this stage so that he or she can chase-up any problems. It is good practice, though not legally required, to ask the user to click a button on a confirmation page to indicate that he has read the confirmation – e.g. a "Continue" button, linking to the homepage of the site.Step 6: Providing confirmation of the information provided and the right to cancelThe Distance Selling Regulations now require the supplier to provide the consumer in writing or in another durable medium confirmation of the information provided prior to the conclusion of the contract and details of the right of cancellation. Generally a consumer has a period of seven working days within which to cancel the contract and return the goods to the supplier. The only cost to a consumer will be the cost of returning any goods received by it to the supplier.A consumer will not be entitled to cancel a contract after it has been entered into, where the supplier has commenced the provision of services with the consumer's agreement prior to the end of the cancellation period then the consumer will not have the right to cancel the contract for the provisional services. However, in order to benefit from this exception, the supplier must have advised the consumer that the consumer will not be able to cancel the contract once the performance of the services has begun with the consumer's agreement.It is not possible to contract out of the Distance Selling Regulations. Any term which attempts to do this will be void to the extent that it is inconsistent with the provisions of the distance Selling Regulations.Step 7: DeliveryFinally, dispatch the goods. If a typo mislabelled an item costing £200 at £2 and someone ordered 500 of them, the site could politely – and legally – refuse the order. This is because by following the procedure set out above the dispatch of goods is in effect the acceptance of the offer made by the consumer at the start of the process. Until this point there has been no acceptance and only an acknowledgement.The "country of origin" principleThe E-commerce Regulations apply a "country of origin" principle. In its simplest form, this means that as long as a UK business complies with UK laws, it can "ignore" the laws of other Member States. In general terms this is a definite bonus for on-line retailers. However, recognising that such an approach would be bad news for consumers, this basic rule is qualified.The E-Commerce Regulations do not apply the country of origin principle to the terms of consumer contracts. In practical terms, this means that a UK-based e-commerce site's terms and conditions should meet the laws of every Member State in which consumers can buy its products, not just UK laws.As a result of the consumer contract exception, any site selling to French consumers must provide its terms and conditions in French – otherwise they may be considered invalid. If selling into Denmark, consumers must be given a 14 working day cooling-off period during which the consumer can change his or her mind about the purchase and return the goods for a refund. In the UK, the cooling-off period is only seven working days. These are only examples, of course there are many other differences.Despite this signNow qualification, there are still advantages in the Regulations' country of origin principle that can benefit a UK-based business. For example, the UK's retail laws are among the most relaxed in Europe. This can give UK businesses advantages over, say, German competitors. A German e-tailer must comply with any German restrictions on promotional offers; its UK rival escapes such restrictions, even when selling to German consumers.Ensuring your contract is legalIt is important for e-commerce retailers to ensure that the contract which is formed with the consumer under the process described above is both legally correct and also affords the retailer the maximum protection. There are various ways in which the contracting process can be structured to be legally correct, and it is important to balance absolute best practice, and a more commercial approach which is still legally correct. Equally, it is surprisingly easy to structure the process in a way which is legally incorrect, and which exposes the company to more risk than is necessary.
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How was Balaji Viswanathan's overall experience attending the Global Entrepreneurship Summit 2017 held in Hyderabad, Where his I
Honestly, it was overwhelming. Things went truly viral and we were completely unprepared. We were so unprepared that we left the arena while there were important dignitaries trying to talk to us. Thanks to all of you for making this magical and thanks for your wonderful compliments.I was just a few feet from Mr.Modi as we entered the place and it was an amazing feeling. Someday I will get to talk with him. And Ivanka was probably the most beautiful woman I have met. We just joke that even our robot went giddy infront of these amazing personalities. Top entrepreneurs like Ritesh Aggarwal [founder of Oyo] walked up to us to congratulate and it was a magical feeling.The highlight of the whole thing was Amul making its signature billboard with our robot. I feel humbled by these billboards.We were truly excited by Shri Modi’s and Ms. Ivanka’s expression and the thousands of snaps that were taken along with hundreds of media coverage we got. The PM tweeted about it and his office featured the bot in their homepage.Yesterday in Finland at the Slush event a founder of a European company building robots walked up to me after recognizing the Mitra and talked about partnership in taking our robots to the European market. That felt elating [inspite of the fact that the product was not in the perfect shape especially after disassembling for the flight]. Many Finnish people took selfies with the robot to put it on their timeline and that was great.We also had a delegation from Japan’s Olympics committee visit our office to explore robots for the upcoming Tokyo Olympics. These sales might or might not happen in reality, but it felt amazing to imagine that Europe and Japan could buy products from India not for cost, but for uniqueness.To our well wishers:I’m humbled by your comments and it comes as a great boost for my team that has been tired and dazzled from months of hard work. Everyone in my team come from humble backgrounds and are out to prove something big and this comes as a shot in their arm.They worked day in and night to get the models going. We faced a number of setbacks. A model made in China never came home as it is stuck in Chennai customs for 2 months. A clay model we made had several inaccuracies and could never be completed. An android device we planned didn’t support our code base and we had to go for a quick fix with another tablet. Logistics went crazy and so did a million things.There were many hands that went in. Our CTO Bharath built the overall mechanics and everything to get it moving. He was helped by our production engineer Ram and Salman who helped in the structure. Our BDM Kaundinya pulled off this event and got our robot in after our COO Mahalakshmi was invited as a delegate for the event. Mahalakshmi and her brother Sudarshan did the whole supply chain and logistics for getting all the components. Her father helped us secure funding resources to sustain the R&D.Our electronics engineers Murali, Raushan and our new hire Spandana helped in building the circuit boards and making the electronics work. Our software engineers Ashwin, Anand and Sreejit made the entire stack. Our project manager Amit made sure the things went on schedule. and Our clay modeller Mr. Angappan helped us prepare the final fibreglass body. Our designers Vinay Rao and others at Bang Design helped us design the body. And journalists like Ranjani Ayyar and Nilesh Christopher spent time understanding the product to build an accurate story.And a special thanks to Kishlay Raj and his team at Sumeru. Their CEO and CTO gave their team’s personal time to finetune the underlying product. While we couldn’t showcase Hindi language NLP in the limited time it is a part of the product that we would sell.It took the whole village to put up this show.To the general public:Just to clarify, it was not any approval from the Indian government for being best startup or anything. And it didn’t involve me using any connections or favours. The event organisers were looking at something unique for the event. They were set on a large, humanoid robot to move around and greet the dignitaries and ours was the only one in the market - not just Indian - that could do so. We have done many events across India with our robots and we had worked with the event organisers before.A few days before the event, our robot was even cancelled for the event due to security reasons etc. Then we got back in the game once the senior leadership Wizcraft [the organisers] realised this was Made in India and they wanted to encourage such a product. And being a poor bootstrapped startup, they recognized the need to encourage entrepreneurship of all kinds. We got to this place without any angel/VC money.We have had many successes so far this year. Nasscom put us in a number of top events - including letting us pitch to the Japanese delegation at the Ministry of IT earlier this month. We were among the top 50 startups chosen by them and were in almost every top Nasscom event this year. We were also invited as a part of the Indian delegation to China and close to closing a big order there.We have also worked with Thub and had the honour of presenting a PoC to the global leadership of Novartis who came to Hyderabad earlier this year.To our critics:A few people on the Internet trolled us saying this looks like 70s toys, 90s toys, children’s project etc. I’m used to getting trolled and don’t mind criticism on me. But, since you guys were abusing the work of a group, I’m forced to respond in kind.I just ask them if it were that easy to make our product, why was there never a robot in a major Indian event so far? Why didn’t they make it and take all the honours? Why are you reading about an Indian robot doing such a thing for the first time? And why are there no global product companies from India, if making hardware is a child’s game? Think about it.People who never make things are usually the ones who underestimate the complexity that goes into a product. If you have never made things, you won’t know the pain of making.People said I pulled my connections. The event organizers don’t know anything about me and neither does anyone at BJP’s top brass or the US government that sponsored the event. Our event participation was pulled off by our excellent BDM and I had little to do with it. The event organizers would draw a blank if you ask them who Balaji is.Some people said I should learn from Elon Musk and Steve Jobs in how not to make shitty product. With due respect, I studied business history more than most of my critics. Jobs and Musk are geniuses. But even the geniuses start with more achievable targets. Elon Musk started with a product like this: Yellow Pages. Steve Jobs started with a product like this: Apple I. Honda’s Asimo started this way: Honda E1. Benz started this way: karl benz. Our own amazing ISRO guys started like this: The Story of How ISRO Defied All Odds To Put SatellitesGreat looking products don’t sprout in thin air. They are a result of years of work, starting with more modest looking creations. You cannot become an adult without starting as a fetus.We are trying to prove that there is a mass market for humanoids. It would be suicidal for a company of our stage to worry about a perfect product. Ours is more like a fetus and we are trying to keep it nourished and nurtured for a grand future.A few more critics said we should have been embarrassed to put such a product. Predictably none of those are entrepreneurs or someone who have created something. Because, real creators and entrepreneurs don’t worry about breaking things. Taking risk is what we do. Rather than an embarrassment, I would feel elated for my team even if it had not even started moving.The challenges:Try moving a 50kg, 5 feet tall object through varying terrain in a noiseless, smooth way without tripping and you will understand the physics behind the design. And with a battery life to last hours of rehearsals. It is a non-trivial piece of engineering with suspension systems that my team created. From the fiberglass body to the internal structure, everything was made here.We built the hardware, software and electronics for this. We built 9 prototypes this year. We are bootstrapped and have done all this hardware investment without any external funding. And while we didn’t show its real capabilities in the GES event [too risky to try] our robots can move autonomously and that what the funky head antenna is for. We integrated NLP tools and face recognition APIs and those are non-trivial things. And over the years we iterated a million times to get things better and better.Of course, there are plenty of inaccuracies and faults. This was handmade and in a very short span of time. But, the team has gone through enormous things to get this far, from where we started earlier this year.Developing product in India is hard. Making everything in India is hard. Making such a large object is hard as the mould costs multiply and the complexity goes as a square of that. Talk is easy, getting the stuff work on the floor is hard and why these don’t happen often.I’m not saying that our product is perfect. I’m saying the product is perfected and we will get there someday. If we keep worrying about breaking things, we are not a startup.In conclusion:I’m not saying we are India’s best product or even India’s best robotics company. The GES event was not about that. They wanted to showcase entrepreneurship at an early stage and a product that fit their needs. Large finished products come from large companies, startups backed by billionaires or at least startups with large venture funding. GES thought having a product from a company that didn’t fit any of these categories above and supported by no one was worth doing.Hardware in India will sprout only when difficulties of building hardware is understood and its complexities appreciated. Everyone says they or their grandmother or their child could have our product. But, they didn’t. Only our team did. And it is much easy imagining doing a product than doing it.Is the product overhyped? Maybe. Was there luck involved. Yes. But hey for a bootstrapped startup that has been teetering on brink of bankruptcy and has had more than its share of misfortune this year, I would not mind a little luck. Would you? Peace!
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What is it like to meet APJ Abdul Kalam?
15 minutes of one to one conversation with Dr. Abdul kalam!!!!!!Childhood dream come true!!!! After 13yrs worth struggle.Words cannot describe the feeling, it's like you are high or the body is pumped with endorphins. It always remind me of the climax scene of the film, Pursuit of Happiness.Long story ahead.BackgroundI was not a bright student nor did I had any great accomplishments. I was one of the most average student of any school. I was a 6th standard student when Dr. Kalam became the President of India and I was supposed to give a speech on “The leader I admire most” and that speech about him blew my mind. I became a fan and I followed his teachings. At the age of 10 years I decided, I want to meet him.I was living in a small village of Kerala. My father was a government servant and mother a school teacher. I had no idea, how to achieve that dream. 2 years later Dr. Suresh Karun, who was a part of Vision 2020, visited our school. He said he will help me chat with Dr. Kalam next time he comes to my school, through the school computer. Sadly he died before his next visit and with him my hope.I studied in Amrita Vidyalam. So in a function in Kochi I volunteered from my school to stay because Kalam was supposed to come. I was 13 years old at that time. For 10 days I shared a room with 20 around people and slept on the floor and ate simple food that was served. And that was the first time I met him. I still remember him coming to the stage giving the speech. I was among the 50,000 people in the stadium. I saw him from far and was inspired and thrilled. Yet I had the wish to meet him in person. Then one such event happened again after an year and I got a nearer seat. And I concluded that this is as far as I could go, as Dr. Kalam meets only exceptionally great students. I gave up on the hope.After some years, I started writing poems in my 12th and wrote a poem about what is optics and it's application in human life. I wanted to gift that to Dr. Kalam Sir. So again the dream was awakened. But by that time he was no longer the President and I had no means to contact him.After I joined college, this dream of meeting him keeps coming and going in my mind. So I searched on net and got his email and sent him a mail. There was no response. I then found out his address and sent him a letter, again no response. So I lost hope all togetherTurning pointI visited Delhi with my family in 2015 for 5 days. While staying there my mom asked me to try again. We met with a Kerala M.P. there and I asked him to help, he tried but couldn't get an appointment. So as I was about to give up on the dream I searched the net again for something and I got the phone number of Dr. Kalam P.A. on his website. I called him up and said that I want to meet Dr. Kalam.He said you have one minute , tell me why you want to meet Dr. Kalam. I don't remember what I said exactly. It was the struggle of 13 years I said in that one minute.And he replied: congratulations !! You can meet him. There is a cancellation of the 8:30 pm appointment for today. Come with your family and don't forget to bring a camera.I was too shocked to say anything. I remember jumping up and down on the corridors of Kerala house in Delhi for 5 minutes.Meeting with the MahatmaAnd I went to his house on Rajaji marg half hour early. They asked my name and let us in. We were waiting in the waiting room and I could see delegates of various fields with bouquet waiting for him. The walls were decorated with painting of small children.As they called me in we went in and there he was sitting across the table. He got up from his chair and welcomed us in and asked us sit on the couch.I told him, how I was the biggest fan of him. He talked about Kerala, Northeast, about doctors and about great scientist and inspired me to go into research. I gifted him my poem and he loved it. 4 lines were his favorite and as he praised me, my happiness had no bounds!!!! He asked me for my email and said he will mail me when he could (that didn't happen sadly and he left us soon) I took his blessings and he gave me his autograph. And I took his blessings.That day I realised you don't need to be the smartest or greatest to have big dreams and to achieve them. All you need is perseverance and determination2. Do not give up. If you fail, take a break, but never give up.3. If there is a will,bthere is a way4. Ignited minds could do wonders.5. Never underestimate yourself(Dear gouri. Greetings. APJ Abdul kalam. Knowledge makes you great. He read it out as he was writing and asked me to read it twice in front of him)EDIT- Poem that I wrote (as per request). I was in 12th standard and had minimal exposure to physics. (It started out as everybody was complaining why we should study optics for the upcoming class test), sorry it's kind of lengthy.AN INTEROCEPTIONToday a new world unfolded in front of meOptics welcomed me inI pursued enthralledAnd I deciphered thatScience is the essence of humanityThe mirage man chase his entire lifeOnly to realize the gospel truth of it beingAn illusion at the endGood advices are refractedAnd random act of kindness reflectedHere is where the law comes into playThe angle of incidence and reflection are the sameBright and dark fringes are part lifeObstrucles are what we encounter in life’s journeyYeah,they are the interferencesCurse and see the negative side to get a destructive interferenceAnd lose what you already have gotCelebrate them and embrace a constructive interferenceAnd add up experiencesIf the hindrance is too sharp edged …….A little bit deflection would do the work(Dr. Kalam’s favourite line :last 4)The world around is mixed so good and badChoose the polarsing plane you wishHope and faith are the rainbows of lifekindness and forgiveness are total internally reflected.Our life is blessed with colorsThe colors of your life is determined by youYour wavelengthMicroscoping the sin of othersUsing binoculars lets look into the soul of othersThus let’s increase the resolving power of our heartWherever I look, I seeOptics beaming. At meIt was all around meOnly now did I realize its divine touchThanks to my teachersAnd those master brainsWho gave us the opportunityTo know the charm of optics-GOURI PRASAD
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What are the latest topics for research papers on cryptography?
what are the latest topics for research papers on cryptography ? You can use any of the research paper as reference for latest topics in Cryptography: Source: Security, Cryptography, and Privacy200 PublicationsAd Injection at Scale: Assessing Deceptive Advertisement ModificationsKurt Thomas, Elie Bursztein, Chris Grier, Grant Ho, Nav Jagpal, Alexandros Kapravelos, Damon McCoy, Antonio Nappa, Vern Paxson, Paul Pearce, Niels Provos, Moheeb Abu RajabProceedings of the IEEE Symposium on Security and Privacy (2015)Adding Third-Party Authentication to Open edX: A Case StudyJohn Cox, Pavel SimakovProceedings of the Second (2015) ACM Conference on Learn...
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What are the laws - Data Protection, Data Transmission and Export and Data Encryption in India to operate a technology platform
The Information Technology Act, 2000 came into force on 17.10.2000 vide G.S.R No. 788(E) dated 17.10.2000 and for the first time, a legal definition of “Computer”, “Data”, “electronic record”, “Information” et al were provided. The said Act gave a legal recognition to the electronic records and digital signatures and in Chapter IX thereof provided for penalty and adjudication. Section 43 of the Act interalia provided that in case of unauthorised access, download or copying or damage to data etc, the person responsible shall be liable to pay damages by way of compensation not exceeding one crore rupees to the person affected.Apart from civil liability provided under Section 43, Chapter XI (Sections 63 to 78) of the Act of 2000 provided for criminal liability in cases of Tampering, Hacking, publishing or transmitting obscene material, misrepresentation etc. Apart from the same, Section 72 of the Act provided for penalty in case of bsignNow of confidentiality and privacy and laid that in case any person who has secured access to any electronic record, Data or information, discloses the same to any other person without obtaining the consent of the person concerned, he shall be punished with imprisonment upto two years or with fine upto Rupees one lakh or with both.However, the provisions of the Information Technology Act, 2000 were not adequate and the need for more stringent data protection measures were felt, the Information Technology (Amendment) Act, 2008 was enacted which came into force on 27.10.2009. The said Amendment Act brought in the concepts like cyber security in the statute book and widened the scope of digital signatures by replacing the words “electronic signature”. The amendment act also provided for secure electronic signatures and enjoined the central government to prescribe security procedures and practices for securing electronic records and signatures (Sections 15-16) The amendment Act also removed the cap of Rupees One Crore as earlier provided under Section 43 for damage to computer and computer systems and for unauthorised downloading/ copying of data. The said Amendment Act also introduced Section 43A which provides for compensation to be paid in case a body corporate fails to protect the data. Section 46 of the Act prescribes that the person affected has to approach the adjudicating officer appointed under Section 46 of the Act in case the claim for injury or damage does not exceed Rupees Five crores and the civil court in case, the claim exceeds Rupees Five crores. The amendment act also brought/ introduced several new provisions which provide for offenses such as identity theft, receiving stolen computer resource/ device, cheating, violation of privacy, cyber terrorism, pornography (Section 66A-F & 67A-C). The amendment act also brought in provisions directing intermediaries to protect the data/information and penalty has been prescribed for disclosure of information of information in bsignNow of lawful contract (Section 72A)With the enactment of the Amendment Act of 2008, India for the first time got statutory provisions dealing with data protection. However, as the ingredients of “sensitive personal data and information” as well as the “reasonable security practices and procedures” were yet to be prescribed by the Central Government, the Ministry of Communications and Information Technology vide Notification No. GSR 313 (E) dated 11th April 2011 made the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information ) Rules, 2011 (the said rules). Rule 3 of the said rules defines personal sensitive data or information and provides that the same may include information relating to password, financial information such as bank account or credit card details, health condition, medical records etc. Rule 4 enjoins every body corporate which receives or deals with information to provide a privacy policy. Rule 5 prescribes that every body corporate shall obtain consent in writing from the provider of the sensitive information regarding purpose of usage before collection of such information and such body corporate will not collect such information unless it is collected for a lawful purpose connected with the function or activity of such body corporate and collection of such information or data is necessary and once such data is collected, it shall not be retained for a period longer than what is required. Rule 6 provides that disclosure of the information to any third party shall require prior permission from the provider unless such disclosure has been agreed to in the contract between the body corporate and the provider or where the disclosure is necessary for compliance of a legal obligation. The Body corporate has been barred to publish sensitive information and the third parties receiving such information have been barred to disclose it further. Rule 7 lays down that the body corporate may transfer such information to any other body corporate or person in India or outside, that ensure the same level of data protection and such transfer will be allowed only if it is necessary for performance of lawful contract between the body corporate and provider of information or where the provider has consented for data transfer. Rule 8 of the said rules further provide reasonable security practises and procedures and lays down that international standard IS/ISO/IEC 27001 on “Information Technology- Security Techniques- Information Security Management System- requirements “ would be one such standard.The Ministry of Communication and Information Technology further issued a press note dated 24th August 2011 and clarified that the said rules are applicable to the body corporate or any person located within India. The press note further provides that any body corporate providing services relating to collection or handling of sensitive personal data or information under contractual obligation with any other legal entity located within India or outside is not subject to requirements of Rules 5 &6 as mentioned hereinabove. A body corporate providing services to the provider of information under a contractual obligation directly with them however has to comply with Rules 5 &6. The said press note also clarifies that privacy policy mentioned in Rule 4 relates to the body corporate and is not with respect to any particular obligation under the contract. The press note at the end provides that the consent mentioned in Rule 5 includes consent given by any mode of electronic communication.Data Protection relates to issues relating to the collection, storage, accuracy and use of data provided by net users in the use of the World Wide Web. Visitors to any website want their privacy rights to be respected when they engage in e-Commerce. It is part of the confidence-creating role that successful e-Commerce businesses have to convey to the consumer. If industry doesn't make sure it's guarding the privacy of the data it collects, it will be the responsibility of the government and it's their obligation to enact legislation.Any transaction between two or more parties involves an exchange of essential information between the parties. Technological developments have enabled transactions by electronic means. Any such information/data collected by the parties should be used only for the specific purposes for which they were collected. The need arose, to create rights for those who have their data stored and create responsibilities for those who collect, store and process such data. The law relating to the creation of such rights and responsibilities may be referred to as ‘data protection’ law.The world’s first computer specific statute was enacted in the form of a Data Protection Act, in the German state of Hesse, in 1970.The misuse of records under the Nazi regime had raised concerns among the public about the use of computers to store and process large amounts of personal data.The Data Protection Act sought to heal such memories of misuse of information. A different rationale for the introduction of data protection legislation can be seen in the case of Sweden which introduced the first national statute in 1973.Here, data protection was seen as fitting naturally into a two hundred year old system of freedom of information with the concept of subject access (such a right allows an individual to find out what information is held about him) being identified as one of the most important aspects of the legislation.In 1995, the European Union adopted its Directive (95/46/EC) of the European Parliament and of the Council of 24 October 1995 on the protection of individuals with regard to the processing of personal data and on the free movement of such data (hereinafter, the Directive), establishing a detailed privacy regulatory structure. The Directive is specific on the requirements for the transfer of data. It sets down the principles regarding the transfer of data to third countries and states that personal data of EU nationals cannot be sent to countries that do not meet the EU “adequacy” standards with respect to privacy.In order to meet the EU “adequacy” standards, US developed a ‘Safe Harbour’ framework, according to which the US Department of Commerce would maintain a list of US companies that have self-certified to the safe harbor framework. An EU organization can ensure that it is sending information to a U.S. organization participating in the safe harbor by viewing the public list of safe harbor organizations posted on the official website.Data protection has emerged as an important reaction to the development of information technology. In India data protection is covered under the Information Technology Act, 2000 (hereinafter, the Act). The Act defines ‘data’ as, “‘data’ means a representation of information, knowledge, facts, concepts or instructions which are being prepared or have been prepared in a formalized manner, and is intended to be processed, is being processed or has been processed in a computer system or computer network, and may be in any form (including computer printouts magnetic or optical storage media, punched cards, punched tapes) or stored internally in the memory of the computer”. Protection of such data and privacy are covered under specific provisions in the Act. In the recent past, the need for data protection laws has been felt to cater to various needs. The following analyses the position of data protection law with respect to some of the needs.Data Protection Law In Respect of Information Technology Enabled Services (ITES)India started liberalizing its economy in the 1990’s and since then a huge upsurge in the IT business process outsourcing may be witnessed. Financial, educational, legal, marketing, healthcare, telecommunication, banking etc are only some of the services being outsourced into India. This upsurge of outsourcing of ITES into India in the recent past may be attributed to the large English-speaking unemployed populace, cheap labour, enterprising and hardworking nature of the people etc. Statistics have shown that the outsourcing industry is one of the biggest sources of employment. In a span of four years, the number of people working in call centers in the country supporting international industries has risen from 42,000 to 3,50,000. Exports were worth $5.2 billion in 2004-2005 and are expected to grow over 40% this fiscal year. US is currently the biggest investor in Indian ITES, taking advantage of cheap labour costs. Statistics indicate that software engineers with two-years experience in India are being paid about 1/5th of an equivalent US employee.Concerns about adequacy of lawBPO FraudsWith globalization and increasing BPO industry in India, protection of data warrants legislation. There are reasons for this. Every individual consumer of the BPO Industry would expect different levels of privacy from the employees who handle personal data. But there have been situations in the recent past where employees or systems have given away the personal information of customers to third parties without prior consent. So other countries providing BPO business to India expect the Indian government and BPO organizations to take measures for data protection. Countries with data protection law have guidelines that call for data protection law in the country with whom they are transacting.For instance, in, the European Union countries according to the latest guidelines, they will cease to part with data, which are considered the subject matter of protection to any third country unless such other country has a similar law on data protection. One of the essential features of any data protection law would be to prevent the flow of data to non-complying countries and such a provision when implemented may result in a loss of "Data Processing" business to some of the Indian companies.In the recent past, concerns have been raised both within the country as well as by customers abroad regarding the adequacy of data protection and privacy laws in the country. A few incidents have questioned the Indian data protection and privacy standards and have left the outsourcing industry embarrassed. In June 2005, ‘The Sun’ newspaper claimed that one of its journalists bought personal details including passwords, addresses and passport data from a Delhi IT worker for £4.25 each. Earlier BPO frauds in India include New York-based Citibank accounts being looted from a BPO in Pune and a call-center employee in Bangalore peddling credit card information to fraudsters who stole US$398,000 from British bank accounts.UK's Channel 4 TV station ran broadcast footage of a sting operation exposing middlemen hawking the financial data of 200,000 UK citizens. The documentary has prompted Britain's Information Commissioner's Office to examine the security of personal financial data at Indian call centers.In the absence of data protection laws, the kind of work that would be outsourced to India in the future would be limited. The effect of this can be very well seen in the health-care BPO business, which is estimated to be worth close to $45 billion. Lack of data protection laws have left Indian BPO outfits still stagnating in the lower end of the value chain, doing work like billing, insurance claims processing and of course transcription. Besides healthcare, players in the retail financial sector are also affected. Financial offshoring from banks is limited because of statutory compliance requirements and data privacy laws protecting sensitive financial information in accounts. In the Human Resource (HR) domain, there are many restrictions on sharing of personal information. In the medical domain, patient history needs to be protected. In credit card transactions, identity theft could be an issue and needs to be protected. Companies in the banking, financial services and insurance (BFSI) sector and healthcare have excluded applications/processes which use sensitive information from their portfolio for offshoring till they are comfortable about the data protection laws prevalent in the supplier country.Since there is lack of data protection laws in India, Indian BPO outfits are trying to deal with the issue by attempting to adhere to major US and European regulations. MNCs have to comply with foreign Regulations so that they don’t lose on their international partners. There are problems involved in this. Efforts by individual companies may not count for much if companies rule out India as a BPO destination in the first place in the absence of data protection law.Today, the largest portion of BPO work coming to India is low-end call centre and data processing work. If India has to exploit the full potential of the outsourcing opportunity, then we have to move up the value chain. Outsourced work in Intellectual Property Rights (IPR)-intensive areas such as clinical research, engineering design and legal research is the way ahead for Indian BPO companies. The move up the value chain cannot happen without stringent laws. Further, weak laws would act as deterrents for FDI, global business and the establishment of research and development parks in the pharmaceutical industry.Looking to the above scenario, we can say that for India to achieve heights in BPO industry stringent laws for data protection and intellectual property rights have to be made. . Thus, a law on data protection on India must address the following Constitutional issues on a "priority basis" before any statutory enactment procedure is set into motion:(1) Privacy rights of interested persons in real space and cyber space.(2) Mandates of freedom of information U/A 19 (1) (a).(3) Mandates of right to know of people at large U/A 21.Once the data protection rules are enforced in India, companies outsourcing to India are unlikely to dismantle the systems they have in place straightaway, and move data more freely to India. Hence ,the need for data protection laws would win over the confidence of international business partners; protect abuse of information; protection of privacy and personal rights of individuals would be ensured; there would be more FDI inflows, global business and the establishment of research and development parks in the pharmaceutical industry & impetus to the sector of e-Commerce at national and international levels would be provided.Data protection law in India (Present status):-Data Protection law in India is included in the Act under specific provisions. Both civil and criminal liabilities are imposed for violation of data protection.(1) Section 43 deals with penalties for damage to computer, computer system etc.(2) Section 65 deals with tampering with computer source documents.(3) Section 66 deals with hacking with computer system.(4) Section 72 deals with penalty for bsignNow of confidentiality and privacy. Call centers can be included in the definition of ‘intermediary’and a ‘network service provider’ and can be penalized under this section.These developments have put the Indian government under pressure to enact more stringent data protection laws in the country in order to protect the lucrative Indian outsourcing industry. In order to use IT as a tool for socio-economic development, employment generation and to consolidate India’s position as a major player in the IT sector,amendments to the IT Act, 2000 have been approved by the cabinet and are due to be tabled in the winter session of the Parliament.Proposed amendments:-The amendments relate to the following[22]:(i) Proposal at Sec. 43 (2) related to handling of sensitive personal data or information with reasonable security practices and procedures.(ii) Gradation of severity of computer related offences under Section 66, committed dishonestly or fraudulently and punishment thereof.(iii) Proposed additional Section 72 (2) for bsignNow of confidentiality with intent to cause injury to a subscriber.It is hoped that these amendments will strengthen the law to suffice the need.Data Protection Laws In Order To Invite ‘Data Controllers’.There has been a strong opinion that if India strengthens its data protection law, it can attract multi-national corporations to India. India can be home to such corporations than a mere supplier of services.In fact, there is an argument that the EU’s data protection law is sufficient to protect the privacy of its people and thus lack of strong protection under Indian law is not a hindrance to the outsourcing industry. To enumerate, consider a company established in EU (called the ‘data controller’) and the supplier of call center services (‘data processor’) in India. If the data processor makes any mistake in the processing of personal data or there are instances of data theft, then the data controller in the EU can be made liable for the consequences. The Indian data processor is not in control of personal data and can only process data under the instructions of the data controller. Thus if a person in EU wants to exercise rights of access and retrieve personal data, the data controller has to retrieve it from the data processor, irrespective of where the data processor is located. Thus a strong data protection law is needed not only to reinforce the image of the Indian outsourcing industry but also to invite multi-national corporations to establish their corporate offices here.Data Protection And TelemarketingIndia is faced with a new phenomenon-telemarketing. This is facilitated, to a large extent, by the widespread use of mobile telephones. Telemarketing executives, now said to be available for as low as US $70 per month, process information about individuals for direct marketing. This interrupts the peace of an individual and conduct of work. There is a violation of privacy caused by such calls who, on behalf of banks, mobile phone companies, financial institutions etc. offer various schemes. The right to privacy has been read into Article 21, Constitution of India, but this has not afforded enough protection. A PIL against several banks and mobile phone service providers is pending before the Supreme Court alleging inter alia that the right to privacy has been infringed.The EC Directive confers certain rights on the people and this includes the right to prevent processing for direct marketing. Thus, a data controller is required not to process information about individuals for direct marketing if an individual asks them not to. So individuals have the right to stop unwanted marketing offers. It would be highly beneficial that data protection law in India also includes such a right to prevent unsolicited marketing offers and protect the privacy of the people.Data Protection With Regard To Governance And PeopleThe Preamble to the Act specifies that, the IT Act 2000, inter alia, will facilitate electronic filing of documents with the Government agencies. It seeks to promote efficient delivery of Government services by means of reliable electronic records. Stringent data protection laws will thus help the Government to protect the interests of its people.Data protection law is necessary to provide protection to the privacy rights of people and to hold cyber criminals responsible for their wrongful acts. Data protection law is not about keeping personal information secret. It is about creating a trusted framework for collection, exchange and use of personal data in commercial and governmental contexts. It is to permit and facilitate the commercial and governmental use of personal data.The Data Security Council of India (DSCI) and Department of Information Technology(DIT) must also rejuvenate its efforts in this regard on the similar lines. However, the best solution can come from good legislative provisions along with suitable public and employee awareness. It is high time that we must pay attention to Data Security in India. Cyber Security in India is missing and the same requires rejuvenation. When even PMO's cyber security is compromised for many months we must at least now wake up. Data bsignNowes and cyber crimes in India cannot be reduced until we make strong cyber laws. We cannot do so by mere declaring a cat as a tiger. Cyber law of India must also be supported by sound cyber security and effective cyber forensics.Indian companies in the IT and BPO sectors handle and have access to all kinds of sensitive and personal data of individuals across the world, including their credit card details, financial information and even their medical history. These Companies store confidential data and information in electronic form and this could be vulnerable in the hands of their employees. It is often misused by unsurplous elements among them. There have been instances of security bsignNowes and data leakages in high profile Indian companies. The recent incidents of data thefts in the BPO industry have raised concerns about data privacy.There is no express legislation in India dealing with data protection. Although the Personal Data Protection Bill was introduced in Parliament in 2006, it is yet to see the light of day. The bill seems to proceed on the general framework of the European Union Data Privacy Directive, 1996. It follows a comprehensive model with the bill aiming to govern the collection, processing and distribution of personal data. It is important to note that the applicability of the bill is limited to ‘personal data’ as defined in Clause 2 of the bill.The bill applies both to government as well as private enterprises engaged in data functions. There is a provision for the appointment of, “Data Controllers”, who have general superintendence and adjudicatory jurisdiction over subjects covered by the bill. It also provides that penal sanctions may be imposed on offenders in addition to compensation for damages to victims.The stringency of data protection law, whether the prevailing law will suffice such needs, whether the proposed amendments are a welcome measure, whether India needs a separate legislation for data protection etc are questions which require an in-depth analysis of the prevailing circumstances and a comparative study with laws of other countries. There is no consensus among the experts regarding these issues. These issues are not in the purview of this write-up. But there can be no doubt about the importance of data protection law in the contemporary IT scenario and are not disputable.
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What does a $5,000,000 house look like where you live?
I live in Spain, and we use Euros, not Dollars, so I will convert $5 million into Euros first:$5,000,000 = €4,316,850Let’s just say that it’s €4.3 million. As I’ve stated before, I live in Spain. To be more precise, I live in the town of Jávea (Xàbia in Valencian), in the Comarca of Marina Alta, in the Province of Alicante (Alacant in Valencian), in the Comunidad Valenciana/Comunitat Valenciana/Valencian Community. To put it simply, it’s on the Costa Blanca in Southeastern Spain, which is very popular with Northern Europeans, especially Brits, Dutchmen, and Russians.Due to the region’s popularity, ther are plenty of both cheap and expensive houses, ranging from as little as €150,000 to €9,000,000.So, here is a €4,300,000 house in Jávea:The house itself is 800 m^s, while the plot is about 5600 m^s (that’s a lot for this area, because most houses are on rocky cliffs and there is little space for a genuine garden). It has 6 bedrooms and 4 bathrooms, plus a kitchen, a sauna, a dining room, a living room, a bar, a terrace, a garden with an artificial waterfall, a fitness room, and a jacuzzi.Part of the terrace with its magnificent view.Part of the pool, with its sea view.Part of the dining room with its sea views.A bathroom with a door onto one of the private terraces.The outdoor jacuzzi with its sea view.This is what a $5 million/€4.3 million house looks like in Jávea, Spain, where I live. In fact, this particular house is located not exactly in Jávea but in Balcón al Mar part of the municipality, where the most expensive houses are to be found. It might look a little small or not really worthy of $5 million (especially compared with some of the other answers I’ve seen here), but it’s the views that really push the prices up. These are the views that people pay that kind of money for:Also, you have a large swimming pool, a great climate, and the beach is very close. Besides that, you don’t even have to speak Spanish to live here - English is often enough. Jávea is also quite a quaint and pleasant little town, where you can find practically everything you need (except fast internet, though):People choose Jávea because there is this great balance here - there is a great cultural mix and a vibrant, interesting daily life and yet there is tranquility when you want it, with a touch of an authentic old fishing town atmosphere. That’s why people will pay these great sums to enjoy their lives here.And just in case you are tired of the exceptional climate here, we do have snow one day a year:The Arenal Beach covered in snow in January 2017.
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