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How can one be a successful luxury real estate agent?
Ah yes.The lifestyle of the rich and famous. Fast cars. Fancy outfits.Little stone statues at the front of the entryway. The allure is undeniable.And for real estate agents, the chance to eat a slice of the luxury pie is an alluring prospect indeed. ...Especially if that slice comes in the form of a 3% commission off of a multi-million dollar listing. But how does a realtor establish themselves as a luxury agent in the first place?Well, it’s not easy. You can obtain a GREL Certification, for starters.This will walk you down the path of becoming a legitimate, certified luxury real estate agent. But regardless, one thing is certain,To deal with luxury real estate, an agent needs to buckle down.Here are a five powerful tips that could fast track your goals to becoming a Luxury real estate agent.#1 YOU NEED TO KNOW WHAT YOU ARE DOINGBefore you even think of moving forward, ask yourself… do I know what I’m doing? There are many newbie real estate agents that jump from taking the test to becoming a luxury real estate agent.Unless you already have the background and experience in real estate, I strongly suggest you get some experience under your belt. That experience could help you avoid lawsuits and save you money.Simply taking 6 months to learn the ropes at a local real estate brokerage, while shadowing another successful luxury real estate agent, could be the difference in your failure or success. That extra experience will help you feel more confident when taking on a luxury listing and the mentor will help you develop the skills needed to be the greatest in your field.#2 YOU NEED TO LOOK THE PARTNormally we encourage real estate agents to relax and be themselves. Your clients will love you and appreciate your authenticity.Are you the laid back but trusted Realtor who wears jeans and flip flops every day? Show that in your marketing. Are you the young and modern Realtor with a focus on minimalism and technology? Show that in your marketing. I encourage agents to use their personality to market their businesses.However, when you are transitioning to luxury real estate, you need to figure out a way to make sure that your marketing and your style represents the luxury industry. Luxury real estate is a visual niche. The house, the car, the owners, the buyers and the agent all look the part.How to look like a luxury real estate agent? Here are some tipsPay for luxury branding – Make sure everything, from your website and business cards to your signs and advertising, is designed and printed to represent your luxury clientele.Dress to impress – Make sure your clothing is clean, pressed and tailored. First impressions go a long way when trying to win a listing. Just starting out? Purchase one or two neutral suits and multiple dress shirts/blouses. Keep them dry cleaned and wear those when meeting new clients or networking. The suits will be so neutral many won’t recognize you’ve worn it before. Switch up the blouses and/or dress shirts and you’ll always look professional and put together.Drive a nice car – It may sound vain, but in the luxury industry it is a necessity to make sure your car is nice, especially if you are driving luxury buyers around to look at homes. Your car should not only look nice but it should be clean and smell good as well. If you can't afford a luxury car, try Uber, a peer to peer taxi service, allows you to taxi luxury cars. Using Uber, you can sit in the back with your clients and they will get that luxury experience while going on walkthroughs.The only thing to look out for when using any taxi service is timing. This is why I don’t suggest using a taxi service when meeting with a seller unless you are paying them to wait for you outside. After presenting an amazing listing presentation you don’t want to be chilling around at a client’s house waiting for your ride.#3 YOU NEED TO UTILIZE THE LATEST IN REAL ESTATE TECHNOLOGYIf you want a luxury buyer to hire you as their agent or if you want to win a luxury listing, you need to show clients that you can provide them with the latest in real estate marketing and technology. Make sure you understand how to utilize the latest technology to find and market homes and that you can effectively combine that knowledge with traditional techniques.Remember, just having flashy tools isn’t enough. You need to know how to use them effectively to increase the client’s ROI.Technology Used by Luxury Real Estate AgentsElectronic signature softwareShowing feedback softwareInteractive yard signsBeautifully designed websites with powerful home search enginesActive social media and blogsCloud document storageVirtual phone numbersThe latest gadgets (Touch screen laptops, tablets, smartphones, etc.)#4 YOU NEED A LISTING PRESENTATION THAT WOWSTo win a luxury listing, you need to do more than click through a generic PowerPoint and pass out faded flyers and postcard examples. Instead – tweak your presentation to the property. Imagine the impression you’ll make when the seller sees a postcard with their house on it? And marketing that caters to their neighborhood and their current needs?Making those extra steps to personalize your listing presentation is worth the investment.Here are some key points to help you out.Pay for luxury branding – Make sure your listing presentation, listing package and examples are all professionally designed and printed to represent your luxury brand.Memorize your presentation – Although no two listing presentations will ever be the same, knowing the foundation of your presentation will be valuable. It will allow you to quickly and easily skip sections, answer questions without getting off-track and help you sound professional and knowledgeable about marketing real estate.Encourage participation – Get the sellers involved by allowing them to pretend to be buyers. Show them what happens when they text the number on the yard sign. Take them on a walk-through of their listings from your point of view. Luxury sellers are constantly being “sold” to. To get an edge, show them exactly why they should hire you. Actions speak louder than words.#5 YOU NEED TO SUPERCHARGE YOUR FOLLOW UPPotential clients searching for or selling traditional homes need basic follow-up strategies to convert them into clients. Those strategies include using the information collected in your CRM to send them email marketing, postcards and the occasional phone call.In retrospect, potential clients searching for or selling luxury homes need traditional follow-up combined with action to convert them into clients. Just sending a card that says happy birthday isn’t enough. For wealthy clients, sending gifts on birthdays and invitations to exclusive events in the area are key to establishing a healthy lead flow. Here are few tipsRemember the details – When you run into a potential luxury client, whether by chance or by a scheduled meeting, take notes and/or memorize the small details of their life. These small details include spouses, children, hobbies, vacation spots, etc. Make sure you put these things into your CRM and use these details to come up with innovative follow-up techniques.Use partner resources – Developing a lead funnel for luxury clients can be costly. This is why it is imperative to have partners that can provide discounts and resources to luxury amenities.The decision to buy and/or sell a luxury home isn’t an easy one. The real estate sales and lead cycle is already a long one – add in the luxury component and the lead cycle can be even longer. Don’t be discouraged if a potential client hasn’t responded after following up with them for longer than 3 months. Many times, they are busy, on vacation, or dealing with business. Unless they say “remove me from your list” keep marketing. You’ll be in the front of their minds when they are ready to hire a real estate professional.
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What is the best free PDF reader for large documents?
[1] PDF format is popularly known as print document format. This creates a virtual printer within operating system to print the document. For offline scanning of document, the PDF format is popular. The importance attached with these program is that you need to have PDFsoftware installed to run these files. If someone sends you PDF file and your computer do not have such software installed then that file is not to be read from there.There are so many PDF softwires available and this article aims to find out the mostly free software or freeware to help readers to choose from variety of options. More and more operating systems are providing built-in facilities for such products. Now-a-days everything comes with PDF formats beginning from circulars, bank statement, insurance statement, tax statement and e-books.That is why there immense important to have the free PDF software installed on computer but the thousand question is which one is to choose from the variety of resources available.Sumatra PDF:Sumatra PDF is available for download to Windows since the times of Windows XP. This program has very low foot print, light on system resources and fast. It is going to perform simple task as well as it is going to perform complex task depending upon you choose from PDFfiles. It is available with installed version as well as standalone portable version in which it does not write to registry.It is available in 64 bit version on Windows. It is available for Windows XP, Vista, 7, 8, 8.1 and 10. It is available for Windows operating system only.signNow Reader DC:It is from signNow and signNow is available for free for users. While installing this software do check for installation of MCAfee security and safe connect.it is a big download of nearing to 120 MB. Yours antivirus software might stop this installation so allow to install it. This software for high=end computing processes.Many features are included with it and for some features you might need it and if you want to have these features then it is better to choose this software. It has mobile version of android and apple operating system. With it you are going to synchronize documents with clouds and yours signature too and everything is going to stay with cloud to access from each and every device.When you first download signNow on Windows, a download manager first downloads and it is small in size and then by opening that download manager signNow software is installed and this is nearer to 120 MB.PDF-Xchange Editor:PDF-Xchange Editor is a smart PDF tools and most functions are free except some complex ones. It is a PDF reader, pdf editor and pdf tools. It can print PDFs, fill the forms created with signNow and can extract images from PDF files. There are some advanced features included in this free version but most of these are not free one is that watermarking of PDFsoftware which is not free.Foxit Reader:Foxit Reader is fast, simple and is there for years. It is available for Windows, Apple and android versions. It can fill forms and save data. Can include and validate electronic signatures. During installation user need to be cautioned not to install so many verities of other software. In order to keep the size of download minimal, the user manual is available for separate download.It is faster than PDF-Xchange Editor. If you are not interested in OCR facilities then Foxit reader is best suited for yours work. Multiple PDF documents when opened all these are opened in tab format and shifting from one tab to the other is easier. From time to time it introduces some new features in order to provide dynamic software development.It allows adding up of multimedia files easier. Collaboration with social media accounts becomes easier with Fixit Reader because of the ease to synchronize with Twitter, Facebook, Evernote and SharePoint. One caution is that Foxit Reader comes bundled with so many other software and toolbar and it is important to not to allow installations of such software during its installation.MuPDF Reader:It is very lightweight PDF Reader. On its first launch it will ask you about to choose from files instead of showing its interface and when the PDF is opened then it shows the exact documents and no toolbar and other interfaces are present. In order to see the interface of MuPDF reader you are going to click on the top left of the visible windows to find it. It provides a cleaner interface and superior look for PDF files.Google Chrome PDF viewer:While browsing for internet whenever you see any PDF and click on it and it will slowly open in another tab of Chrome and you can read it from there or download by clicking the downloadsymbol available there. This setting can be turned and changed out there easily, go to settings of chrome and then advanced and then content settings and then pdf documents, Scroll down and click on PDF documents and from there switch on ‘Download PDF files instead of opening automatically opening them in Chrome’ and this will download PDF files from net to computer.If you want to read PDF files that are stored inside computer, then right click on that files and then open with chrome and your chrome reader will automatically, open pdf files and for this you will not have to install pdf viewers. Similarly, with android if you install Google Drive then you will not need any other third-party PDF apps as Google Drive act as PDF viewer and make it default while opening the first PDF and that is going to make it default.TinyPDF:TinyPDF as the name suggests has very small foot print of PDF reader and it has no string attached. It is only 586k as it is less than one MB. It does not contain no malware, adware, watermarks and no pop Global Home: UPS is completely free. JPEG compression is supported. No ghost script and third-party software included with the installer version. The downside is that it is partially supported on 64-bit computer. Automatic font management is there.There are so many alternatives to use for PDF viewer and if your computer is 64 bit then you can download the 64 bit version of Sumatra PDF and if you want to insert electronic signature then opt for Foxit PDF reader and if you want to have the old and classic PDF reader which is heavier in file composition and not for low end computing purposes then go for signNow and lastly if you do not want to install PDF readers at all then it is better to open it with Google Chrome built in PDF viewer.So, there are many large numbers of option to choose from and if you want to have some complex PDF functions besides the presence of PDF reader you need pdf tools and others then it is best to have PDF-Xchange viewer and so many other option listed here you can choose it from. There are some other alternatives are available which are there to search ad find in internet.This entry was posted in Android Apps on Google Play, Apple Inc., Computer Information Technology, Google, Google Chrome, Information Technology, Internet, Windows 10, Windows 8, Windows XP and tagged signNow, Apple, doPDF, FOXIT READER, free PDF converter, google chrome, image to pdf converter, PDF Password Remover, pdf printer, pdf-xchange, Sumatra PDF A PDF Viewer for Windows, WINDOWS, Windows 8, WINDOWS VISTA, WINDOWS XP, Windows XP SP3 onFootnotes[1] Best Free PDF Writer and Reader
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What did your boss do or say to you that made you quit your job?
“Yeah, this little shit needs to stop making us clean up after him…”I was working an awesome job that I really liked. I was a cashier at a local health food grocery store. Since I was vegetarian, I loved chatting with most of the customers who visited; most of them were hippies, health nuts, or they just had a good amount of money and wanted the best food.When I have a job, I’m extremely committed to it. It was more important to me than school, so I told them I would come in on Monday mornings every week during the school year just because that’s when they needed me. I was working there for...
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What is a good annotation of the Bitcoin white paper?
[BAD EARLY DRAFT - This is being continually revised and updated, with important edits from - I hope - you. If I use your suggestion, I will credit you (unless you prefer otherwise). I especially welcome help from developers, cyrptographers, cypherpunks and other writers. I have not coded since high school.]With your help, the best annotation of the Bitcoin white paper will be below - co-built by you, me and other Quorans working together.Our annotation will be the most informative, most plain English and most entertaining annotation of the Bitcoin white paper.Here we go.Bitcoin: A Peer-to-Peer Electronic Cash SystemPeer-to-peer means you and me and indirectly hints at no centralized entity.Electronic cash system means a way to move money (cash) over the internet. Think PayPal instead of paper dollar bills.Bitcoin is 9 years old and is barely used as electronic cash right now.People HODL (stick their Bitcoin under a virtual mattress), use Bitcoin as a capital flight conduit (from e.g. Venezuelan Bolivar to BTC to USD, Swiss Francs, gold, etc.)As inception, Bitcoin was not intended to be digital gold but maybe it’s destined to be that.This is changing as big exchanges like Coinbase (investor) add SegWit and Lightning.Satoshi Nakamoto satoshin@gmx.com http://www.bitcoin.orgSatoshi Nakamoto is a pseudonym. We still don’t know who wrote the paper. Though the NSA might. How the NSA identified Satoshi Nakamoto – CryptoMuse – MediumAbstract. A purely peer-to-peer version of electronic cash would allow online payments to be sent directly from one party to another without going through a financial institution.The phrases “purely peer-to-peer”, “sent directly” and “without going through a financial institution” strongly suggests the author’s anti-centralization DNA.Digital signatures provide part of the solution, but the main benefits are lost if a trusted third party is still required to prevent double-spending.Now we get at one of the foundational things the paper and the Bitcoin code solves. Bitcoin is a digital asset that I can give you, but if I do that, I can’t give it to someone else because the Bitcoin blockchain code does not permit it.We propose a solution to the double-spending problem using a peer-to-peer network.Bitcoin removes central points of failure.The network timestamps transactions by hashing them into an ongoing chain of hash-based proof-of-work, forming a record that cannot be changed without redoing the proof-of-work.Immutable. No one can change the Bitcoin transaction that happened. At all.The longest chain not only serves as proof of the sequence of events witnessed, but proof that it came from the largest pool of CPU power.Satoshi didn’t foresee the mining pool oligopoly that permeates Bitcoin and most Proof of Work cryptocurrencies today.As long as a majority of CPU power is controlled by nodes that are not cooperating to attack the network, they'll generate the longest chain and outpace attackers.What does controlled by nodes mean? Many people run nodes but only a few mining pools mine almost all the Bitcoin.This is also known as the 51% attack. But you just need one more node than 50% (e.g., 50% + 1) so it is more accurately a majority attack.The network itself requires minimal structure.Because?Messages are broadcast on a best effort basis, and nodes can leave and rejoin the network at will, accepting the longest proof-of-work chain as proof of what happened while they were gone.As Alex Seewald notes in the comments below, Satoshi is probably referring to best effort delivery. Best-effort delivery - WikipediaWho is doing the broadcasting?Like everything else in Bitcoin, you as a runner of full nodes are free to come and go as you please. That’s why many Bitcoin maximalists argue Bitcoin Core is not centralized.However, others disagree.Quantifying Decentralization – news.earn.com1. IntroductionCommerce on the Internet has come to rely almost exclusively on financial institutions serving as trusted third parties to process electronic payments.I think Satoshi is anti-bank, anti-PayPal and anti-Western Union. This is one reason why.While the system works well enough for most transactions, it still suffers from the inherent weaknesses of the trust based model.A key facet of Bitcoin is that it is trustless. You don’t have to trust JP Morgan.Completely non-reversible transactions are not really possible, since financial institutions cannot avoid mediating disputes.Unlike Bitcoin.The cost of mediation increases transaction costs, limiting the minimum practical transaction size and cutting off the possibility for small casual transactions, and there is a broader cost in the loss of ability to make non-reversible payments for non- reversible services.Debit cards payments are hard to reverse. Cash payments are even harder to reverse. Especially when either is combined with an “All Sales Final” condition.With the possibility of reversal, the need for trust spreads.Yes and many Americans prefer trusting American Express’ customer service over some random merchant on the internet that might rip you off.Merchants must be wary of their customers, hassling them for more information than they would otherwise need.BItcoin is just reallocating the risk from merchants back to consumers. It’s kind of anti-consumer tbh.A certain percentage of fraud is accepted as unavoidable.Yes, just like how so many of my friends have lost some crypto stolen or lost. Seems unavoidable!These costs and payment uncertainties can be avoided in person by using physical currency, but no mechanism exists to make payments over a communications channel without a trusted party.He should have said much earlier, “Unlike physical currency…”What is needed is an electronic payment system based on cryptographic proof instead of trust, allowing any two willing parties to transact directly with each other without the need for a trusted third party.Proof of work.Transactions that are computationally impractical to reverse would protect sellers from fraud, and routine escrow mechanisms could easily be implemented to protect buyers.Decentralized escrow? Are buyers to trust a third party centralized escrow service over American Express? As a buyer, I’m not doing that.In this paper, we propose a solution to the double-spending problem using a peer-to-peer distributed timestamp server to generate computational proof of the chronological order of transactions.Making it easier to follow the money i mean Bitcoin.The system is secure as long as honest nodes collectively control more CPU power than any cooperating group of attacker nodes.Bitcoin relies (trust?) the majority of full node runners to be honest. Here’s hoping mob rule, centralized mining or mass hysteria never takes over.2. TransactionsWe define an electronic coin as a chain of digital signatures.Very unexpected IMO. How is this anything like a normal coin? It is a ledger ledger of all the transactions relating to one asset, which isn’t even totally fungible with others. It seems we can literally give you the coin from Satoshi’s genesis block or another coin that we all know was mined today by F2Pool or whatever.Each owner transfers the coin to the next by digitally signing a hash of the previous transaction and the public key of the next owner and adding these to the end of the coin.Moving the digital signatures off the main chain is a bit scary to some folks - that’s why some dislike SegWit - which does that.A payee can verify the signatures to verify the chain of ownership.Who the heck wants to do an electronic title search every time they spend $100 of Bitcoin? This makes sense for big purchases like real estate and collectibles but not for small or even medium sized purchases.I’m not sure how pragmatic Satoshi was. He built great tech. He was not as great at guessing use cases and what unmet, urgent need Bitocin actually meets.Transaction[Would love it if someone can please help me and copy paste in the diagrams.]Owner 0's SignatureOwner 1's Private KeyTransactionOwner 1's SignatureOwner 2's Private KeyTransactionOwner 2's SignatureOwner 1's Public KeyOwner 2's Public KeyOwner 3's Public KeyHashHashHashThe problem of course is the payee can't verify that one of the owners did not double-spend the coin.Satoshi focuses a lot on double spending.A common solution is to introduce a trusted central authority, or mint, that checks every transaction for double spending.Mints and the entity that checks for double spending can be two different entities, no? In the analog world, the US government prints money. Maybe a private third party company like a PayPal checks for double spending among its users and customers.After each transaction, the coin must be returned to the mint to issue a new coin, and only coins issued directly from the mint are trusted not to be double-spent.This is bad if you believe, like Ray Dalio, government should increase the money supply (issue new coins) when no one’s spending, everyone’s HODLing and the token economy is shrinking. And you should decrease money suply (burn coins) if there is high or hyperinflation.The problem with this solution is that the fate of the entire money system depends on the company running the mint, with every transaction having to go through them, just like a bank.Broadly speaking, we have not really gotten away from that in Bitcoin. We just replaced banks with centralized mining chip makers, mining pools, developers, maintainers, client implementations, exchanges, wallets, owners, etc.We need a way for the payee to know that the previous owners did not sign any earlier transactions.This seems like a total pain. No wonder Hashcash didn’t work.For our purposes, the earliest transaction is the one that counts, so we don't care about later attempts to double-spend.What are the implications of this, if any?The only way to confirm the absence of a transaction is to be aware of all transactions.Awful.In the mint based model, the mint was aware of all transactions and decided which arrived first.To accomplish this without a trusted party, transactions must be publicly announced [1], and we need a system for participants to agree on a single history of the order in which they were received.The payee needs proof that at the time of each transaction, the majority of nodes agreed it was the first received.3. Timestamp ServerThe solution we propose begins with a timestamp server.A timestamp server works by taking a hash of a block of items to be timestamped and widely publishing the hash, such as in a newspaper or Usenet post [2-5].Hmmm…The timestamp proves that the data must have existed at the time, obviously, in order to get into the hash.Each timestamp includes the previous timestamp in its hash, forming a chain, with each additional timestamp reinforcing the ones before it.Owner 3's Private KeyHashHashBlock2BlockItemItem...ItemItem...VerifyVerifySignSign4. Proof-of-WorkTo implement a distributed timestamp server on a peer-to-peer basis, we will need to use a proof- of-work system similar to Adam Back's Hashcash [6], rather than newspaper or Usenet posts.Adam is the relatively (compared to unctuous CTO Greg Maxwell) cypherpunk and CEO of the controversial Blockstream, funded in part by Tencent in China.The proof-of-work involves scanning for a value that when hashed, such as with SHA-256, the hash begins with a number of zero bits.The average work required is exponential in the number of zero bits required and can be verified by executing a single hash.For our timestamp network, we implement the proof-of-work by incrementing a nonce in the block until a value is found that gives the block's hash the required zero bits.[Can someone help translate all this into plain English?]Once the CPU effort has been expended to make it satisfy the proof-of-work, the block cannot be changed without redoing the work.Immutable.As later blocks are chained after it, the work to change the block would include redoing all the blocks after it.The proof-of-work also solves the problem of determining representation in majority decision making.If the majority were based on one-IP-address-one-vote, it could be subverted by anyone able to allocate many IPs.Wonder what Satoshi thought of Proof of Stake at the time he wrote the white paper in 2008.Proof-of-work is essentially one-CPU-one-vote.Does hash rate matter more than full nodes?The majority decision is represented by the longest chain, which has the greatest proof-of-work effort invested in it.Some developers like Gavin Andressen IIRC tweeted that the real Bitcoin is the one with the longest chain, and that might be Bitcoin Cash.If a majority of CPU power is controlled by honest nodes, the honest chain will grow the fastest and outpace any competing chains.This is why small blockers want to ensure that blocksizes per second remain small - or become even smaller - so that many people - not just miners - can run full nodes and keep miners honest and reduce the risk of miners colluding and engaging a majority attack.To modify a past block, an attacker would have to redo the proof-of-work of the block and all blocks after it and then catch up with and surpass the work of the honest nodes.It would appear that Bitcoin is only immutable to the extent that most of the CPU power is controlled by honest nodes.We will show later that the probability of a slower attacker catching up diminishes exponentially as subsequent blocks are added.Arguably Bitcoin becomes harder to attack as blocks grow.To compensate for increasing hardware speed and varying interest in running nodes over time, the proof-of-work difficulty is determined by a moving average targeting an average number of blocks per hour. If they're generated too fast, the difficulty increases.5. NetworkThe steps to run the network are as follows:1) New transactions are broadcast to all nodes.2) Each node collects new transactions into a block.3) Each node works on finding a difficult proof-of-work for its block.4) When a node finds a proof-of-work, it broadcasts the block to all nodes.5) Nodes accept the block only if all transactions in it are valid and not already spent.6) Nodes express their acceptance of the block by working on creating the next block in the chain, using the hash of the accepted block as the previous hash.Nodes always consider the longest chain to be the correct one and will keep working on extending it. If two nodes broadcast different versions of the next block simultaneously, some nodes may receive one or the other first. In that case, they work on the first one they received, but save the other branch in case it becomes longer. The tie will be broken when the next proof- of-work is found and one branch becomes longer; the nodes that were working on the other branch will then switch to the longer one.3BlockBlockPrev HashNoncePrev HashNonceTxTx...TxTx...New transaction broadcasts do not necessarily need to signNow all nodes. As long as they signNow many nodes, they will get into a block before long. Block broadcasts are also tolerant of dropped messages. If a node does not receive a block, it will request it when it receives the next block and realizes it missed one.6. IncentiveBy convention, the first transaction in a block is a special transaction that starts a new coin owned by the creator of the block. This adds an incentive for nodes to support the network, and provides a way to initially distribute coins into circulation, since there is no central authority to issue them. The steady addition of a constant of amount of new coins is analogous to gold miners expending resources to add gold to circulation. In our case, it is CPU time and electricity that is expended.The incentive can also be funded with transaction fees. If the output value of a transaction is less than its input value, the difference is a transaction fee that is added to the incentive value of the block containing the transaction. Once a predetermined number of coins have entered circulation, the incentive can transition entirely to transaction fees and be completely inflation free.The incentive may help encourage nodes to stay honest. If a greedy attacker is able to assemble more CPU power than all the honest nodes, he would have to choose between using it to defraud people by stealing back his payments, or using it to generate new coins. He ought to find it more profitable to play by the rules, such rules that favour him with more new coins than everyone else combined, than to undermine the system and the validity of his own wealth.7. Reclaiming Disk SpaceOnce the latest transaction in a coin is buried under enough blocks, the spent transactions before it can be discarded to save disk space. To facilitate this without breaking the block's hash, transactions are hashed in a Merkle Tree [7][2][5], with only the root included in the block's hash. Old blocks can then be compacted by stubbing off branches of the tree. The interior hashes do not need to be stored.BlockBlock Header (Block Hash)Prev HashNonceRoot HashHash01Hash23Hash0Hash1Hash2Hash3Tx0Tx1Tx2Tx3BlockBlock Header (Block Hash)Prev HashNonceRoot HashHash01Hash23Hash2Hash3Tx3Transactions Hashed in a Merkle Tree After Pruning Tx0-2 from the BlockA block header with no transactions would be about 80 bytes. If we suppose blocks are generated every 10 minutes, 80 bytes * 6 * 24 * 365 = 4.2MB per year. With computer systems typically selling with 2GB of RAM as of 2008, and Moore's Law predicting current growth of 1.2GB per year, storage should not be a problem even if the block headers must be kept in memory.48. Simplified Payment VerificationIt is possible to verify payments without running a full network node. A user only needs to keep a copy of the block headers of the longest proof-of-work chain, which he can get by querying network nodes until he's convinced he has the longest chain, and obtain the Merkle branch linking the transaction to the block it's timestamped in. He can't check the transaction for himself, but by linking it to a place in the chain, he can see that a network node has accepted it, and blocks added after it further confirm the network has accepted it.Longest Proof-of-Work ChainBlock HeaderBlock HeaderBlock HeaderPrev HashNoncePrev HashNoncePrev HashNonceMerkle RootMerkle RootMerkle RootHash01 Hash23Merkle Branch for Tx3Hash2 Hash3Tx3As such, the verification is reliable as long as honest nodes control the network, but is more vulnerable if the network is overpowered by an attacker. While network nodes can verify transactions for themselves, the simplified method can be fooled by an attacker's fabricated transactions for as long as the attacker can continue to overpower the network. One strategy to protect against this would be to accept alerts from network nodes when they detect an invalid block, prompting the user's software to download the full block and alerted transactions to confirm the inconsistency. Businesses that receive frequent payments will probably still want to run their own nodes for more independent security and quicker verification.9. Combining and Splitting ValueAlthough it would be possible to handle coins individually, it would be unwieldy to make a separate transaction for every cent in a transfer. To allow value to be split and combined, transactions contain multiple inputs and outputs. Normally there will be either a single input from a larger previous transaction or multiple inputs combining smaller amounts, and at most two outputs: one for the payment, and one returning the change, if any, back to the sender.It should be noted that fan-out, where a transaction depends on several transactions, and those transactions depend on many more, is not a problem here. There is never the need to extract a complete standalone copy of a transaction's history.5TransactionInOutIn......10. PrivacyThe traditional banking model achieves a level of privacy by limiting access to information to the parties involved and the trusted third party. The necessity to announce all transactions publicly precludes this method, but privacy can still be maintained by breaking the flow of information in another place: by keeping public keys anonymous. The public can see that someone is sending an amount to someone else, but without information linking the transaction to anyone. This is similar to the level of information released by stock exchanges, where the time and size of individual trades, the "tape", is made public, but without telling who the parties were.Traditional Privacy ModelTransactionsNew Privacy ModelIdentities TransactionsAs an additional firewall, a new key pair should be used for each transaction to keep them from being linked to a common owner. Some linking is still unavoidable with multi-input transactions, which necessarily reveal that their inputs were owned by the same owner. The risk is that if the owner of a key is revealed, linking could reveal other transactions that belonged to the same owner.11. CalculationsWe consider the scenario of an attacker trying to generate an alternate chain faster than the honest chain. Even if this is accomplished, it does not throw the system open to arbitrary changes, such as creating value out of thin air or taking money that never belonged to the attacker. Nodes are not going to accept an invalid transaction as payment, and honest nodes will never accept a block containing them. An attacker can only try to change one of his own transactions to take back money he recently spent.The race between the honest chain and an attacker chain can be characterized as a Binomial Random Walk. The success event is the honest chain being extended by one block, increasing its lead by +1, and the failure event is the attacker's chain being extended by one block, reducing the gap by -1.The probability of an attacker catching up from a given deficit is analogous to a Gambler's Ruin problem. Suppose a gambler with unlimited credit starts at a deficit and plays potentially an infinite number of trials to try to signNow breakeven. We can calculate the probability he ever signNowes breakeven, or that an attacker ever catches up with the honest chain, as follows [8]:p = probability an honest node finds the next block q = probability the attacker finds the next block qz = probability the attacker will ever catch up from z blocks behindIdentitiesTrusted Third PartyPublicq ={ 1 if p≤q} z q/pz if pq6CounterpartyPublicGiven our assumption that p > q, the probability drops exponentially as the number of blocks the attacker has to catch up with increases. With the odds against him, if he doesn't make a lucky lunge forward early on, his chances become vanishingly small as he falls further behind.We now consider how long the recipient of a new transaction needs to wait before being sufficiently certain the sender can't change the transaction. We assume the sender is an attacker who wants to make the recipient believe he paid him for a while, then switch it to pay back to himself after some time has passed. The receiver will be alerted when that happens, but the sender hopes it will be too late.The receiver generates a new key pair and gives the public key to the sender shortly before signing. This prevents the sender from preparing a chain of blocks ahead of time by working on it continuously until he is lucky enough to get far enough ahead, then executing the transaction at that moment. Once the transaction is sent, the dishonest sender starts working in secret on a parallel chain containing an alternate version of his transaction.The recipient waits until the transaction has been added to a block and z blocks have been linked after it. He doesn't know the exact amount of progress the attacker has made, but assuming the honest blocks took the average expected time per block, the attacker's potential progress will be a Poisson distribution with expected value:=z q pTo get the probability the attacker could still catch up now, we multiply the Poisson density for each amount of progress he could have made by the probability he could catch up from that point:∞ ke−{q/pz−k ifk≤z} ∑k=0 k!⋅ 1 ifkzRearranging to avoid summing the infinite tail of the distribution...z ke− z−k 1−∑k=0 k! 1−q/p Converting to C code... #include
double AttackerSuccessProbability(double q, int z) { double p = 1.0 - q; double lambda = z * (q / p); double sum = 1.0; int i, k; for (k = 0; k <= z; k++) { double poisson = exp(-lambda); for (i = 1; i <= k; i++) poisson *= lambda / i; sum -= poisson * (1 - pow(q / p, z - k)); }return sum; }7Running some results, we can see the probability drop off exponentially with z. q=0.1 z=0 P=1.0000000 z=1 P=0.2045873 z=2 P=0.0509779 z=3 P=0.0131722 z=4 P=0.0034552 z=5 P=0.0009137 z=6 P=0.0002428 z=7 P=0.0000647 z=8 P=0.0000173 z=9 P=0.0000046 z=10 P=0.0000012 q=0.3 z=0 P=1.0000000 z=5 P=0.1773523 z=10 P=0.0416605 z=15 P=0.0101008 z=20 P=0.0024804 z=25 P=0.0006132 z=30 P=0.0001522 z=35 P=0.0000379 z=40 P=0.0000095 z=45 P=0.0000024 z=50 P=0.0000006 Solving for P less than 0.1%... P < 0.001 q=0.10 z=5 q=0.15 z=8 q=0.20 z=11 q=0.25 z=15 q=0.30 z=24 q=0.35 z=41 q=0.40 z=89 q=0.45 z=340 12. ConclusionWe have proposed a system for electronic transactions without relying on trust. We started with the usual framework of coins made from digital signatures, which provides strong control of ownership, but is incomplete without a way to prevent double-spending. To solve this, we proposed a peer-to-peer network using proof-of-work to record a public history of transactions that quickly becomes computationally impractical for an attacker to change if honest nodes control a majority of CPU power.Do coins have a majority of CPU power?The network is robust in its unstructured simplicity. Nodes work all at once with little coordination. They do not need to be identified, since messages are not routed to any particular place and only need to be delivered on a best effort basis. Nodes can leave and rejoin the network at will, accepting the proof-of-work chain as proof of what happened while they were gone. They vote with their CPU power, expressing their acceptance of valid blocks by working on extending them and rejecting invalid blocks by refusing to work on them.Any needed rules and incentives can be enforced with this consensus mechanism.The controversial UASF (User Activated Soft Fork) push for SegWit was arguably an example of consensus and honest folk running full nodes forcing the Bitcoin community (miners) to make SegWit an option for users, merchants, exchanges, etc. and pave the way for SegWit adoption.8References[1] W. Dai, "b-money," http://www.weidai.com/bmoney.txt, 1998.[2] H. Massias, X.S. Avila, and J.-J. Quisquater, "Design of a secure timestamping service with minimal trust requirements," In 20th Symposium on Information Theory in the Benelux, May 1999.[3] S. Haber, W.S. Stornetta, "How to time-stamp a digital document," In Journal of Cryptology, vol 3, no 2, pages 99-111, 1991.[4] D. Bayer, S. Haber, W.S. Stornetta, "Improving the efficiency and reliability of digital time-stamping," In Sequences II: Methods in Communication, Security and Computer Science, pages 329-334, 1993.[5] S. Haber, W.S. Stornetta, "Secure names for bit-strings," In Proceedings of the 4th ACM Conference on Computer and Communications Security, pages 28-35, April 1997.[6] A. Back, "Hashcash - a denial of service counter-measure," http://www.hashcash.org/papers/h..., 2002.[7] R.C. Merkle, "Protocols for public key cryptosystems," In Proc. 1980 Symposium on Security and Privacy, IEEE Computer Society, pages 122-133, April 1980.[8] W. Feller, "An introduction to probability theory and its applications," 1957.9 -
What is the best document management system?
I personally really like Document 365 Business by Kdan Mobile - it’s great for project management/overseeing, collaboration on documents, secure file sharing with password protected links, working with PDFs, data exporting and transferring, cloud syncing for easy access and improved productivity.If you work with PDFs a lot, there’s PDF Reader mobile app (part of the Document 365) that lets you scan any paper document and turn it into either PDF or an editable text file with OCR. If you are a licensed member, you can create a team-managed account for easy file sharing, turning in documents for approval/signatures and stamps, and you get 1 TB of storage on Kdan Cloud. Document 365 also allows for external integrations, letting you customize the software a bit further.So, here’s what Document 365 is best suited for: project management/collaboration, working with PDFs (editing, annotating/highlighting, signing), safe data management (with password protected links, watermarks and access management) - therefore a high level of security, good for multi-user experience, lots of cloud storage for archiving, intuitive interface and overall ease of use. I personally like using Document 365 for document management and archiving, and the PDF Reader for most of my work with PDFs.Disclaimer: I am part of Kdan’s team and my answers might be a bit biased.
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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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What is ITR Form 2?
The income tax department has segregated the taxpayer based on their status, source of income , basis of income and other factors. Taxpayer having taxable income are required to file income tax return based on their incomes.ITR 2 is to be filed by individual or HUF (not having income from PGBP ) and not eligible to file ITR 1ITR 1 is to be filed by individual or HUF having total income upto Rs 50L from salary, 1 HP and other sources. Agriculture income should not exceed Rs 5000.ITR 2 can be downloaded and submitted on the income tax website . After successful filing an acknowledgement will be sent to your registered email id which can also be downloaded manually.There are certain category of people who can also submit the return offline.For AY 18–19 , the last day of filing ITR 2 is 31st July 2018 . If it is filed after the due date penalty under Section 234F will be levied.
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