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Payoff.com is a social finance platform enabling communities to fulfill their individual and collective dreams. We launched public beta in January 2011 and have collected 1,000+ dreams, of which over 90% are related to money. Payoff helps people fund their dreams and signNow their goals, like saving for a house or vacation, adopting a child, paying off credit cards, and starting a business, in addition to connecting them with other people working towards the same things. The current product enables users to share their dreams, set up goals, link and track financial accounts, earn badges, and receive cash Sur-Prizes for progress. We provide tools from top-quality partners, as well as educational content to help move users to action and success. Ultimately, we provide a more intuitive way for users to understand how they are spending their life -- it’s not about the dollars, but it’s about the positive use of money, time, talent, and charity. We aim to own dreams and achievement on the web.  Payoff will create meaningful social connections and dialogue through dreams, goals, implicit communities based on personal transactions (the “real-life check-in”), and our partners.  In addition, our relevance and recommendation engine is guided by a Science Advisory Board, with leaders from Cal-Tech, USC, and Northwestern. We recognize that achievement and financial behavior, like most decisions, is driven by emotions, not budgets and lists, and we are signNowing people in this emotional space. One user told us, “I feel more encouragement from these badges than I think you will ever know.  I'm not the most emotional person but I have been so poor for most of my adult life trying to get through school that the day  [the] "STASH" badge was awarded to me I cried!” Payoff is founded by Scott Saunders (Walz Group, Inc 500) and Eden Warner (pre-revenue to profitability CFO at Fandango), along with folks from Yahoo! and SpotRunner. You can view a video about us at and contact us at scott@payoff.com. Also, check out what folks are saying: AOL WalletPop: http://www.walletpop.com/2011/01...Business Insider: http://www.businessinsider.com/p...U.S. News Money: http://money.usnews.com/money/bl...

It is most profitable business in current situation. Normal people will think Cyber cafe has only PC, Internet and print out. If you provide following services then you can earn more than 1.5 lakhs only in direct profit.(personal experience from Chennai).Fund transfer and micro atms. People need immediate transfer and if your cafe is open from 9 am to 10 pm you can cross 800 to 1500rs per day. Bank Holidays higher profits.Train ticket agent. Avoid personal login booking. Non bailable offense.Seat seller Agent(red bus).Flight ticket, Tour planner and hotel booking.Visa Services and passport.Pan card and DSC.IT returns and GST filings. Tie up with local Tax people or learn yourself. IT return filing for Salaried people is much easier.EB payment, postpaid, rechargesCredit card payment.Movie ticketsCollege and school fees paymentsExam fees(state and Central)Online form filling for exams from Neet to UPSC.Certificates from caste, Employment, Life, birth and death.Corrections in Aadhar, PAN any online documents.Life insurance renewals and royalty if you are LIC agent.bike and car insurance, road tax etcCurrency exchangeXerox , Plastic card , Color print out & Lamination For cropping, resizing additional cost.PF update and withdrawal.International and local Courier if you have space.Ola collections, Paytm KYC etcTTD, Sabarimala, Shirdi darshans.Typing in local languages & EnglishLand EC checking, Online tax paying like water, property etcIn some states there are different online schemes to get enrolled, renewals and withdrawals.CIBIL Score certificateCredit card swiping(2 to 3% commission)Moreover with digital India, people are looking for local knowledge nearby.All payments are becoming digital and cyber cafes with good reputation will give you best returns. Make sure your cafe never closes on any day even for lunch break. Trust, reliability, friendliness will yield positive feedback from customers.No matter how many Smartphones, Paytm, TEZ services comes, People looks for specific Knowledge locally. You can be creative and make changes as per consumer needs and requirements in future.Your cafe should be one stop solution for all. Use credit cards to make online payments which gives you back rewards points in most cases.Reward points alone provides more than 1 Lakh if you use continuously(indirect profit) and specific bank cards only provides 4x to 10x benefits while using online.Make sure you use Credit card after statement date so that the money will be in rotation for 50 days. My Statement generates on 10th January and due date is 30th January. I will start using from 11th January and Next due date is on February End or March 1st week. That gives me 45 to 49 days.Have 3 to 5 or more credit cards and be calculative on when, where and how to use. Minimum use if emergency arise.CAFE should be at center point or near to bank area for visibility. Even top geek will have to set foot once to avail one of the services above. Trust is one thing that make business popular. It takes more months to avail.Google, Digital God.

Getting my medical license.The process is so painful that sometimes I feel like stabbing myself in the heart and gouging my eye out, and jumping off a bridge at the same time. And the most frustrating part of it is that there’s not a single thing I can do to speed things up.The website isn’t very user friendly.They request way too many documents. Like, you need to submit 6 different things to prove your citizenship. Can’t it be assumed that if the Federal Government gave me a passport, they know that it’s because I’m a citizen? Can’t it also safely be assumed that if I graduated from a residency program, I must have graduated from a medical school at some point?The website doesn’t tell you everything you need to send. After you’ve filled out the application online, there is a PDF you’re supposed to find somewhere. The PDF was the old application form. You’d fill it out by hand or by editing the PDF. If you did that, you’d see an number of appendices that told you what other documentation you were supposed to supply. But if you apply online, there’s nothing to let you know what you’re missing. So, you have to call them. When you do, they tell you that you need a bunch of stuff you’d never have guessed: a background check, forms you’re supposed to submit to your residency programs, etc. Why not put that in the online application?Then, after you do all that, you might wonder if your file is complete. So, you call. They’ll tell you that your application hasn’t been processed yet. How long till it gets processed? 3 to 4 weeks! So, they won’t even look at your file for 3 to 4 weeks. And, 3 to 4, of course, means 4. Then, when they look at your file, it might even be week 5 by the time they respond to you. At that point, they’ll tell your that your file is missing some stuff.You ask for clarification about the missing stuff, because you’re pretty sure you’ve already sent it. You hear nothing back for a week. You call them, only to hear that they thought they’d emailed you what you were supposed to fill out… You submit what they’re asking for, having wasted another week waiting. Then, they tell you that your file has been submitted for final approval. YAY!Then you’re told that, since you used to be a nurse, you should also submit a nursing license verification. Okay, no biggie, you think. You did a similar thing for Iowa a few years back. You’ll just go online and have the state of Michigan send the state of Tennessee some information about the nursing license that expired 6 years ago.You get on the Michigan website, and things are so disorganized that you can’t for the life of you figure out how to submit the verification request. Oh, and the process has changed. In 2015, you could use the Nursys verification site. But Michigan has pulled out of this process, because… just because. Now, you have to call during business hours, realize that you’re supposed to download and fill out a form, attach a money order (you can’t pay online anymore), and mail it to a P.O. Box.You do that, sending it by express mail. You call the next day to see if it’s been received. Now you’re told that if you want to send things by express mail, there’s another address you should have sent it to, an address that was never communicated to you when you talked to the Michigan people on the phone. You learn that sending mail to the P.O. Box means that it will sit there for a week, after which it will be processed by the Cashier’s office/Finance office/Treasury office, then slowly make its way to the Bureau of Licensing… this process might take 2 weeks. At this point, you’ve sent your initial application 8 weeks before. You wonder why it is that the process couldn’t be more streamlined. Why couldn’t they be a uniform process for all states? Why couldn’t they at least be a central database where healthcare providers could send their documentation, so that whenever they apply for licensing in a new state, that state can immediately receive all the relevant documentation. You’re powerless. You try to think of other things you might do.You remember that Iowa must have a copy of your nursing verification license. You wonder if you could talk to them and see if they’d share it with you. You’re told that they will emphatically not release the document to you. Why? Who knows. Anyway, they might consider releasing it to the Tennessee people if they are contacted directly by their Medical Board. You sheepishly ask the people in Tennessee if they’d be willing to contact Iowa, giving them a phone number, email, and fax number, knowing full well that it will be to no avail.You decide that maybe, if you were to track down the cashier’s office in Michigan, you could fly there and make the payment in person, in a bid to speed up the processing of your license verification request. It’s after hours now, so you can’t be sure. There’s a plane early in the morning. You could fly to Detroit, rent a car, drive to Lansing, and give it a shot. But… what if it doesn’t work? You decide to wait until the morning and call the office to see if getting there in person would make a difference. You are told that it is impossible to make a payment in person, because… rules. There’s literally not a damn thing you can do.And that, my friends, is the story of my life right now. The most frustrating part of this saga is that not only can I not work, but I’m sort of homeless right now. Let me explain. A while back, I bid on a house. I used what is called a physician loan. What my lender did not tell me is that you need an active medical license. So, we were a week from the closing date before I learned this. At this point, I had three options:Walk away from the home purchase and rent. This wouldn’t have been a terrible idea.Prolong my temporary lease at the place I was renting. I would not do this because I hated, hated, hated them with their nickle-and-diming tactics.Wait for my license.I opted for number 3, because I thought it couldn’t take much longer until I’d get my license. My belongings are currently in storage. I’m staying with my sister in Florida. It’s not the worst thing that’s ever happened to anyone in human life, but it’s still really frustrating. The only bright spot is that I get to spend time with my family. I have a nephew and two nieces here that I hadn’t seen in 9 months. They’re growing so very fast. I am constantly peppering them with mental math questions, but they seem to love me for some reason. So, all in all, things could be worse.

There is never one perfect software. It depends on your needs and requirements. I can suggest you SimScale. It is a cloud-based simulation platform that allows FEM, CFD and thermodynamics simulations. They offer a free version with 3000 computing hours per year but the projects created using this are available publicly. Alternatively, one can also create a professional version to keep the project closed. The professional version comes with a two-week trial!You can check their public projects database. I can point you to two interesting simulations for modeling HVAC in car parkingAir conditioning and ventilation of car parkingSmoke propagation in parking garageAlso this blog post is very relevant to your question for “Ventilation of a car parking: Smoke and Heat Exhaust Ventilation System in Garage: CFD Analysis"Hope you will find these links useful & interesting!

This depends a lot on the country, and I don't know other European countries too well, so I will answer for mine.In no particular order, off the top of my head:Faster, more reliable, and cheaper broadband.Better, cheaper mobile data, and mobile use in general.Technical infrastructure is mostly subterranean. You never see a jumbled mess of wires hanging from poles or building walls.Less bureaucracy. The US is riddled with paper forms that are manually processed. "Doing your taxes" in the US seems like a nightmare. Here, we either do nothing at all, trusting that the automatically filled out numbers are correct, or we log on to a website to make changes where necessary. Usually though, there aren't many posts that need to be edited or are even relevant to most people.Less manual labor for easily automated jobs. In the US, for instance in airports, there are people whose only job is to point people in the right direction, a job that elsewhere in the world is done by a sign. And what's the deal with toll booth operators? Why isn't tolling a fully automated process?Less pointless jobs in general. What do you need a parking lot attendant for in a tiny parking lot? Greeters in stores? Just to name a couple of common ones.Universal healthcare. We spend much, much less, and everyone gets the treatment they need. Those who can afford it may still pay to get ahead, but even then we're not talking the astronomical total sum that the US spends per capita.Practically free higher education.Better public transport, even in sparsely populated areas. Most of the US is practically inaccessible if you don't drive a car. Some areas are covered by Greyhound buses or smaller, local bus operators, the occasional passenger rail lines, shuttle services etc, but movement is still very limited compared to most of Europe. Even many of the big cities there are difficult to get around in.Almost no one pays in cash, except old people and criminals. Whenever I'm in the US, I typically spend all small change on tips as soon as I can. They're annoying to carry around, and they have really low value.No one writes checks. It’s either debit/credit cards, cash, or various types of digital payments.My debit card is also valid legal ID.More focus on universal design, whether it's building codes, products, websites etc.The US lacks things like unified building codes on a federal level. Just as an example, one result of this is that many states/counties/cities do not require water proofing of bathrooms, which is completely ridiculous. I like the idea of states having some autonomy, but for commonsensical things like this, it makes no sense.Despite efforts by the right, we still have decent worker's rights. We definitely do not have so-called "right-to-work" laws, which can be found in many US states, which is, of course, the exact opposite of what it sounds like, a right for an employer to fire anyone at will, whenever they feel like it, no reasons given.Workplaces are generally not highly hierarchical. There's definitely some signNow pay gaps (though not nearly like in the US), but it is not reflected in how people deal with each other in the workplace. There's generally a sense of mutual respect, and you talk to your CEO more or less like any other colleague. The exception may be some of the really big companies.While it varies between lines of work, most of us are defined by the value we provide, not how many hours we put in. Overtime is generally not encouraged, and there is an understanding that we all have private lives, families etc. Sometimes you need to leave early, or will be late, and that's totally okay.Practically all electrical power generated and used in this country is renewable. We do "import" a lot of fossil-based electricity, due to the very odd way the European power market is set up. They are, however, rapidly closing coal plants on the continent. The US, despite amazing efforts in many states, still lags far behind.While our democracy isn't rock solid either, it's not quite as easily manipulated as in the US, with its gerrymandering, filibustering, the legalized corruption that is lobbying, ultra-expensive donation-driven political campaigns, political campaign ads on TV, political campaigns masquerading as news etc.Less over-use of pointless prescription medication. We do not have an opioid epidemic. Enough said.Lower use of antibiotics. In the US you can buy certain types of antibiotics without a prescription, which is absolutely insane.Poor people are not completely destitute, and no one is homeless (unless they actively refuse all options they are provided with). Rich people, on the other hand, do not live in gated communities, trying to shield themselves from the rest of society.The whole legal system is geared towards rehabilitation of criminals, not punishment or revenge. As a result, we have lower crime rates and much, much lower recidivism rates. This was not true before the prisons were completely re-worked some decades ago, so we know there's a direct correlation.Convicted criminals have the right to vote. How can you expect someone to be rehabilitated if all their basic rights as citizens are taken away from them, even for minor offenses? Also, on the same tangent, we do not have laws that require sex offenders to go door-to-door and identify themselves to new neighbors, or dictate where they can and can’t live. You take your punishment, and you’re allowed to rejoin society, and not live with additional punishment for the rest of your life.Less urban sprawl. Cities are more condensed, and again, even where they aren't, there's decent public transport. Downtown areas are typically fairly vibrant areas with stores, restaurants, cafés, and stuff to do in general, not the almost completely deserted, office building dominated downtown areas found in many US cities.

You can rewire your brain!This is possible due to Neuroplasticity.Neuroplasticity refers to changes in neural pathways and synapses which are due to changes in behavior, environment and neural processes, as well as changes resulting from bodily injury To be honest, the brain is a dynamic entity undergoing changes all the time. As you read this innocent sentence, some neurons in your brain have fired and some synapses have become stronger. Voila! Your brain has been rewired a bit. But I am not talking about these sort of 'boring' changes which occur all the time.What if I told you, your actions can physically alter your brain? Some parts become larger than usual while some parts begin performing tasks they normally don't?László Polgár is the father of the famous "Polgár sisters": Judit, Susan and Sofia. He is an expert in chess and believed that "geniuses are made, not born". Before he had any children, he wrote a book entitled Bring Up Genius!, and sought a wife to help him carry out his experiment. He found one in Klara, a schoolteacher. He home-schooled their three daughters, primarily in chess, and all three went on to become strong players. Susan Polgar became the first female to earn the Grandmaster title.Because of her intense training, her brain had encoded chess board configurations and she was able to not only recognize these configurations but also what moves she had to do from there to win. Show her a random chess board setup that is infrequent her brain is just as slow as normal chess players. So what was happening? A scan of her brain activity showed she was using the part of the brain that recognizes faces to identify chess board configurations. This part of the brain is really developed in humans and face recognition is something humans are really good at. The hours of practice she had put in playing and studying chess had radically changed ho she used her brain to play it.Some of you might be thinking that it was because she got her training from childhood that she was able to become an expert and this fact is useless to someone older.Not really. Recent studies have shown although neuroplasticity declines it still can be made use of in older ages.The Sea Gypsies are a seafaring people who spend a great deal of their time in boats off the coast of Myanmar and Thailand, have unusual underwater vision -- twice as good as Europeans. This has enabled Mokens to gather shellfish at great depths without the aid of scuba gear. How do the Moken do this? They constrict their pupils by 22 percent. The brain orders the body to adapt to suite its needs. Another example of neuroplasticity has been found in London taxi drivers. A cab driver's hippocampus -- the part of the brain that holds spatial representation capacity -- is measurably larger than that of a bus driver. [from Neuroplasticity: You Can Teach An Old Brain New Tricks ]As children we have lots of free time and our brain is really quick to grasp new skills and ideas. To make signNow changes to the brain as grown ups one needs to exercise it regularly and focus on really specific tasks like learning to play the guitar or solve spatial puzzles. Because of the constraints of being social and other reasons, people miss out on this. It has been observed that spiritual leaders and prisoners of war have been able to develop extra-cognitive skills simply because of the immense amount of time they put in meditation, mental exercises and thought experiments. Plas­tic­ity can also be observed in the brains of bilin­guals (Mechelli et al., 2004). It looks like learn­ing a sec­ond lan­guage is asso­ci­ated with struc­tural changes in the brain: the left infe­rior pari­etal cor­tex is larger in bilin­gual brains than in mono­lin­gual brains.I'll end with some interesting bits from The Brain that Changes ItselfLearning and brain exercises slow age-related mental declines. For example, education necessitates extra branches among neurons to accommodate the new information; new branching increases the volume and thickness of the brain that would otherwise decline with age.Physical exercise promotes the creation of new neurons in the brain. Yet another reason to start that walking program.Specifically designed brain exercises have been shown to improve brain function in children and adults with learning disabilities.The brain undergoes measurable, physical changes as we think. Computer technology can now use these measurements and changes to allow paralyzed people to moves objects with their thoughts.Researchers at UCSD have used imagination and illusion to restructure brain maps and ‘trick” the brain into managing phantom pain and some forms of chronic pain.Performance can be improved through visualization because action and imagination can activate the same parts of the brain. People have learned to play the piano or achieve greater results in athletic endeavors through mental practice. Is it time to visualize eating a nice salad?[from Neuroplasticity Research Shows “Old Dogs” Can Learn New Tricks!]

You need to be careful while filling up the Passport form online. If is better if you download the Passport form and fill it up offline. You can upload the form again after you completely fill it up. You can check the complete procedure to know : How to Apply for Indian Passport Online ?

The average credit score needed to buy a car Those who borrowed funds for used cars had an average score of 655. Experian uses a credit score model of 300 to 850, with super prime borrowers at the top and deep subprime borrowers at the bottom. If your credit score is inferior, you might still qualify for a loan.

Check Your Credit. Know Your Budget. Determine How Much You Can Afford. Get Preapproved. Go Shopping.

The good news is that you have options: You can get your car loan from a bank or credit union, or you could go through the dEvaler. While both have their benefits and considerations, you're always better off being informed about your financing options before you ask for the keys.

A preapproval, on the other hand, is a firm offer by a lender. Once you decide which car you want, the final loan offer should generally stay the same. To apply for a preapproval, you can either go online directly to the lender's website or go in person at a bank or credit union.

Step 1: Choose your car. Visit a reputable dEvaler with a good track record of selling pre-owned cars. ... Step 2: Apply for the loan. Go online or contact the bank offline to apply for the loan. ... Step 3: Finalize the loan. ... Step 4: Submit documents. ... Step 5: Drive away!