There are many different and varied ways of earning money whilst online, and if all used suitably and correctly you could easily make a living just working at home using the Internet. With some of the online jobs, perseverance will be the key: don’t just give up after a few days of answering paid surveys when you get frustrated seeing your account balance still sitting empty. Simply put, these methods of earning money online are guaranteed to work, but you must be a patient person. Don’t expect instant results, and don’t simply expect to sit back and watch the money roll in; nothing in life is this simple, you have to put a lot of work into things before you start to see any positive developments.One of the first things you should do is to join a free paid survey website. There are several well known paid survey sites that are completely free to join and use, and upon entering some simple questions on their website you should start getting emailed surveys, usually around 3 or 4 times a week. Complete these surveys and eventually your account balance will get updated (this isn’t instant, so don’t panic when you appear to have earned no money as usually it takes a week or so to be included in your earnings). A paid survey completed will earn you around £4 from about 30 minutes work. If you complete around 4 in a week, then this is £16 a week from paid surveys. Obviously not a large amount, but if you were to join a second, or a third paid survey site, then you could be doubling or tripling your earnings. Potentially you could be earning £48 a week from about 4 or 5 hours work. This is a payout rate of about £9 an hour which isn’t too bad. Any of the surveys completed are usually multiple choice, and are very simple to complete. Sometimes they are even enjoyable, involving watching clips from the latest movie trailers and giving relevant feedback.Another simple but effective little earner is writing product reviews online. There are a few sites that pay people to write online product reviews, and I really recommend that you join each of these paid to review sites. They are completely free to join and use and you can usually earn around 3 or £4 per review written. If the review is of a very good quality you might also receive part of a prize fund at the end of the month, which is usually around £10 extra per review written.After joining a free paid review website, you should decide on a product to review. There are thousands of products listed on the website, including various items such as foodstuffs, toiletries, computer games, DVD players, websites, restaurants, etc. When you have decided and located a product to review, write the review and post it on the website. You earn money every time another user reads and then rates one of your reviews – so make sure you read and rate lots of other members’ reviews in the hope that they return the favour. I’ve estimated that you can earn around £4 per hour on a paid to review website, you could spend around 30-40minutes writing a top review and then 25 minutes or so reading and rating other members’ reviews. The best thing about the paid review websites are that they are very similar, and they allow reviews posted on one website to be posted on the next. So if you write a review on one site, you can copy and paste it on to the next, doubling your earnings. Therefore I think you could probably earn on average around £6 per hour at a paid review website.Another of the ways to earn money online is by using a cashback website. Usually with a cashback website the only way to earn money is by spending money: you get cash back every time you make a transaction online. However you can earn money just joining free websites, all you have to do is complete some forms online to sign up to the free sites. I recommend creating a new free email account, as you will receive quite a lot of junk emails from joining these sites. There is around £30 to earn from free to join websites, and although this wont take you long to get through there are easily another 5 or 6 cashback websites you can use, and can do exactly the same thing with. This could earn you around £15 per hour, although it won’t last forever.Cashback websites also have another section, usually called the “recurring points” part of the site. This is where you can click links and advertisements to other websites and earn money for doing so. You usually earn around 8pence per link clicked, and in a few minutes you can click all the links (usually around 10 links). Some links can be clicked more than once per day, so usually you can earn around £1.50 at each cashback website in about 5 minutes. Say you join 5 cashback websites; this could earn you £7.50 in half an hour, every day. Not bad for simply clicking a few website links every day.Paid forum posting is another way of earning money online. Some website owners are willing to pay people to post messages in specific online forums; this is because it allows them to advertise their own personal website in the signature part of your username. Every time you make a post on a forum (if allowed) your signature usually follows you. This is a free piece of space that you can use to write something or advertise a website link. It is a very valuable piece of space that can be used for free advertising, and so the more posts that you can submit then the more free advertising is available. It can also help the website owner when it comes to the search engine rankings, giving that website hundreds more backlinks. Paid forum posting usually pays around 10pence per post submitted, and so with 100 posts you can earn £10. This can easily be achieved in 1 or 2 hours, thus earning a rate of £5 per hour spent doing paid forum posting.Working online doing data entry jobs is another way to earn money online, though it is often very hard finding legitimate data input jobs on the Internet. Most of them are scams, and will try and charge you just for joining, or the information about joining. Never pay for any kind of job seen online. Usually you can find simple data entry jobs at webmaster forums, as some people don’t have the time or can’t be bothered to do simple but boring data entry. You should expect to earn around £6 per hour spent entering data, but this really depends on the job that you find as it really depends on the employer.Usually most of the data entry jobs found on web forums will only last an hour or two, so they aren’t the most reliable form of income though you can normally find several data input jobs advertised on website-owner forums.Mystery shopping isn’t strictly a job which you can do directly from your computer, though you will need to find and apply for a mystery shopping position using the Internet. Mystery shopping will involve going to a shop or premise with a view of purchasing an item or service, and then going away and reviewing the whole experience. You need to report back to your employer with your findings, and on doing so you can expect to earn around £15 for your troubles. This works out at around £7 an hour, although with Mystery Shopping it is hard to do it constantly and regularly. Don’t expect regular mystery shopping opportunities, you might be lucky enough to be invited once a week or less.Online betting is another method of earning money online, but this way doesn’t involve any risks or gambles. Arbitrage is a way of betting so that you back all possible outcomes of an event, and will always end up with a profit from doing so. It involves scanning through odds at online bookmakers, and when you find odds that are higher at the bookmaker than at an exchange, then you have found yourself an arb. This is the most time consuming part of the job, and thankfully there are free forums that can be used where by people will post arbs for others to use. Arbing also involves betting large amount of money; the more you can afford to bet, the more profit you can expect. To earn any kind of decent money from arbing then you need a few thousand pounds spare which you are free to invest for the period that you are arbing. An example of an arb could be odds on Man Utd to win at 2.5 at Ladbrokes, and odds to lay Man Utd to win at 2.3 at Betfair (an exchange). If you place £1000 on Man Utd to win at Ladbrokes and you lay this at Betfair with £1000, if Man Utd win you have £1500 profit at Ladbrokes and a loss of £1300 at Betfair. This is an overall profit of £200 just from one arb found, which is very good going from just a few minutes work. Unfortunately arbs like this don’t come along very often, and when they do they don’t last long. You can expect to earn around £5 per hour spent arbing, but this depends on the amount of arbs you are able to discover.The final method of earning money online that we will discuss here is by advertising on free webspace. Anyone can join the Blogger website for free, and can post information on to their own blog. Then they can apply for the Google AdSense program directly on the website, and so they can start earning money just from adverts placed on their free blog site. If you are able to upload interesting, unique web content and manage to get regular traffic to your website then you can expect to earn around £5 or £10 a day from your free website, which isn’t bad going for minimal effort. Obviously the hardest part of this is managing to get people to come to your website, and tempting them into clicking the Google adverts. However if you do manage all of this, you can expect to be earning at least £5 a day from adverts placed on your website.Overall there is a lot of free money available to earn using the Internet. Even from the paid review website you could be earning around £5 an hour and this is just one way to earn money online. You can also be earning around £50 a week from paid survey sites, and then around £40 a week from cashback websites recurring clicks. Then you could be earning about £50 a week from paid forum posting, and then about £30 a week from online data entry jobs. Then there’s the online arbing, which can earn you an endless amount of money. Anyone can easily be earning £150 a week from arbing. Then on top of this you can be earning money from your free webspace, which could be around £70 a week. This is a grand total of around £400 a week, which is an excellent amount of money considering the little effort required working online from home.
100 Financing Investment Property
100 financing of investment properties refers to 100% financing from outside for your investment in real estate. Funds that are brought from one’s own savings, on loan from friends or relatives are in a way not much different from capital whereas real debt or Investment property financing comes from financial institutions. These entities – banks, mortgage firms and lending organizations like credit unions — lend funds to the applicant on the trust of a collateral security or based on the income, credit-worthiness and repayment capacity of the individual. Even if these criteria are satisfactory, an investment property financing institution may ask to be shown the business plan of how the applicant means to generate income using the pieces of property he or she means to buy and consequently pay off the loan or conclude the mortgage. The lender has the right to know how the business is going to be conducted because the revenues of this business determine how fast the loan is going to be repaid. With the turn in the economy, 100% financing investment property has almost been done away with.100 financing investment propertyIn the United States, there are three credit bureaus, Equifax, Experian and Transunion, that maintain records of the lines of credit extended to each individual and how they are being handled. The credit reports formulated by these bureaus reflect how many credit card accounts a person has, how many times he or she has defaulted in payment or gone over the credit limit; other forms of financing availed by the individual such as home mortgage, auto finance or student loans, are also listed. Lenders and creditors have access to these credit reports and use them to check if an applicant is worth the risk of being given a loan. The exact features that point to an applicant as being risky can be found out after a professional analysis of one’s credit report. A high Debt to Income ratio and loan to value ratio are some of the red-flags. These areas have to be improved so as not be saddled with an exorbitant rate of interest and terms that are not favorable to the borrower. Some unfavorable terms are floating interest rates that send the finance charges through the roof upon a single defaulted payment. To prevent this eventuality, it is better to choose a deal with a fixed (flat) interest rate or a low ceiling rate on the interest rate slab.Lending fees, high interest rates, discount points (another form of lending fees paid upfront to prevent the interest from racing up) can actually break the bank. In fact, there are many cases in which discount points have been deceptive and one ends up paying more for them, than the actual interest (finance charges) that would have been paid if the interest rates did go up. To prevent such goof ups, it is a good idea to take estimates from two or three lending organizations, compare their offerings and then choose the one that appeals most to one.The worst pitfall to guard against is when some lender tells you that you are eligible for 100% financing of investment property. Those idyllic days are over. In fact, they are past their sell by date because there were not so idyllic. There may be such plans available on subsidy from the government for the exclusive use of first time homeowners who belong to the low income group. But this does not include investment property dealers. Traditional methods of 100% financing are now called owner financing and are still available but they are not an attractive option. It is not surprising that requests for owner financing are viewed with suspicion of default by lenders and therefore, that avenue is best avoided.
SR&ED Tax Credit Financing – The Only Two Things You Need to Know About SR&ED Finance
SR&ED Tax Credit Financing is somewhat misunderstood, or in fact not really considered by many Canadian business owners and financial managers in Canada. We use the word ‘considered ‘simply because many SRED claimants are not aware that their SR&ED claims can be financing as soon as they are filed – in some cases prior to filing!So let’s return to our topic – what are the two things you need to know about financing your SRED tax credit. We’ll keep it simple -1. You have to have a SR&ED claim to obtain financing for the claim!2. A SRED financing claim is in fact similar to any business financing application – frankly it’s quite simpler and more focused!Is that it? Yes, it’s as simple as that. SR&ED tax credit financing is one of the most unique ways to bring valuable cash flow and working capital back into your firm. Just the very nature of SRED itself suggests that your firm relies heavily on the credit to recover the capital you have spent under the government’s quite generous non repayable grant.So let’s return to our point # 1 – to finance a claim, you need a claim. The SRED program in Canada is the governments rebate; in effect it’s a grant, back to Canadian business for any investment you make in research and development. More and more information is coming out everyday from government and private sources which suggest that many firms who are eligible for the program either aren’t aware of it, or even more disappointing, don’t know how to go about preparing and filing a claim. We are often amazed when some clients infer that it’s ‘too much trouble ‘to prepare a SRED claim.A couple of points can be made on this subject. We have met a small handful, and we repeat small handful! Of clients over the years who prepare their own filings. This of course is possible, legal, and in some business owners minds ‘cost effective. The hard reality is that most firms don’t have the technical and financial know how to complete a claim on their own. (Apologies to the firms which successfully prepare a file their own claims – you know who you are!)The majority of claims in the SRED area are prepared by what is known as SRED consultants. We tell clients that these consultants are high specialized, are up to date on current government SRED and accounting matters, and in most cases work on contingency – meaning that they prepare the claim at their own risk and time, and charge a fee which is totally based on success of the final claim approval. If Canadian business owners and financial managers don’t choose to pay a contingency fee then they can play a flat rate based on the SRED consultant’s time on the claim and filing. Naturally more often than not the SRED fee has to be paid as soon as the claim is completed, even if you still have to wait several months to a year to get your funds.More importantly, as it relates to the financing of the SRED claim, a claim tends to be more financeable when it is prepared by a reputable consultant in this area. And in fact when you claim is financed, either at time of filing or prior, the SRED consultant can also be paid in full or in part out of the financing.So the bottom line on our point # 1 is simply – make yourself aware of the program if you are not, prepare a solid claim with the use of a reputable consultant, and be knowledgeable that the claim can be financed during preparation or at time of filing.Let’s move on to point # 2- Clients ask, is it really that simple to finance a SR&ED tax credit. There is only one answer, which is of course yes. You should treat your SRED tax credit financing just as any other basic financing. Because this area of Canadian business financing is somewhat of a boutique are you should ensure you are working with a credible, trusted, and experienced advisor in this area.Let’s cover some of the very simple key basics around the financing of your claim. Most firms are eligible, under the program itself, to receive anywhere from 20-50% of your expenses in the R&D area. Your SRED claim will ultimately have a final value, which is made up of the federal and provincial portions combined. Let’s assume its 200,000.00 as an example. You and your accountant have filed your year end financials, and included a SRED claim of 200k. What happens now if you want to finance that claim. The reality is that you simply have to fill out a standard business financing application – just as if you were borrowing for any other matter. In our case the ‘collateral ‘, if we can call it that, it’s the SRED claim.Important to note hear that you are not incurring debt or creating a ‘ loan ‘ on the SRED – Your balance sheet stays intact, you are simply ‘ monetizing ‘ the SRED claim in order to generate working capital and cash flow now. Generally you receive approximately 70% of the claim as an advance, with the 30% held back and payable to yourself in full when you final claim is audited, approved, and that cheque from the government is ‘in the mail ‘! The financing feels itself, associated with the tax credit financing are deducted from that final 30% holdback. You can generally create a SRED loan for a period of a minimum of 60 days, but most SRED financing generally last from 3-12 months, depending on the size of your claim, its eligibility with CRA, and whether you are a first time filer.So whats our bottom line – it couldn’t be simpler:- Make yourself aware of this great program – prepare a proper claim with someone who is experienced
- If you are focused on cash flow and working capital needs consider financing your claim and directly monetizing this great program
There is an excessive amount of traffic coming from your Region.
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Top Online Casino Payout Rates
Most all top online casinos voluntarily subject themselves to regular audits (usually monthly) by a qualified and reputable third party firm, such as Pricewaterhouse Coopers (PwC). These audits generally focus on two aspects of the online casino’s operations: their random number generator and their payout rates. The latter — payout rates — is the subject of this article.An online casino’s payout rates are displayed as a percentage — that being the percentage of incoming wagers that are paid out in winnings. As you can imagine, the higher the payout rates, the better. The top online casinos are often considered so, in part, precisely because they offer the highest payout rates.A top online casino with the highest payout rate in video poker may not have the best payout rate for slots. Payout rates vary within top online casinos for each individual game. If you’re planning on joining a top online casino for a specific game — be it poker, craps, baccarat, video poker, roulette, blackjack, slots, keno, or any other top online casino game — check the top online casino’s payout percentages for that specific game.Top Online Casino Payout Rates Overall: Grand Online Casino (98.42%), Golden Palace Online Casino (98.15%), Sands of the Caribbean (98.11%), USA Casino (98.09%), 32Red Casino (97.97%), Ladbrokes Casino (97.68%), Casino-on-Net (97.63%), InterCasino (97.13%).Top Online Casino Payouts for Slots: Slotland (98.00%), Casino Las Vegas (97.50%), Golden Palace Online Casino (97.18%), Royal Vegas Online Casino (96.59%), Aztec Riches Casino (96.51%), Yukon Gold Casino (96.31%), Shark Casino (96.49%), Casino Kingdom (96.15%), Ladbrokes Casino (96.03%).Top Online Casino Payouts for Video Poker: Jackpots in a Flash Casino (99.53%), Lucky Nugget Online Casino (99.11%), Crazy Vegas Casino (99.07%), Lucky Emperor Casino (99.03%), 7 Sultan Casino (99.00%), Royal Vegas Online Casino (98.77%), Swiss Casino (98.70%), Spin Palace (98.60%), RiverBelle Casino (98.59%), Roxy Palace Online Casino (98.58%).Top Online Casino Payout at Table Games: Casino Kingdom (99.62%), Mummys Gold Casino (99.52%), Aztec Riches Casino (99.22%), 3 Diamond Casino (99.19%), 49er Casino (99.10%), Casino Domain (99.01%), Challenge Casino (98.98%), Crazy Vegas Casino (98.91%), Cherry Casino (98.69%), Captain Cooks (98.57%).Top online casinos that get their payout rates audited will almost always publish the results of each audit on their website for anyone — member or non-member — to view. They’ll even keep archives of all their past audits, also open to public viewing.******
Intellectual Property & Cyber Crimes
Intellectual property rights are the legal rights that cover the privileges given to individuals who are the owners & inventors of a work, & have created something with their intellectual creativity. Online content always needs to be protected so we can’t separate Intellectual Property & Cyber Crimes. In cyberspace, sometimes one person makes a profit by using another person’s creative work without his or her consent. This a violation of privacy, & it is protected by IPR. In today’s world besides cyberbullying, & fraud, cybercrimes also includes infringement of copyrights & trademarks of various businesses & other organizations.
Keywords : Intellectual Property, Cyber Crime, Cyber Squatting, Hacking, Phishing, Vishing
Intellectual Property
Intellectual property means the ownership of property except real estate or personal property, as these are the outputs of human mind or spirit. Intellectual property rights are the legal rights of intellectual activity in the field of industry, science, literature & arts. These rights have a limitation by time.
The Intellectual Property Rights (IPR) laws in India are divided inti five main categories: trademarks, copyrights, patents, industrial designs & geographical indications.
India provides protection for intellectual property rights as per with its obligations under the TRIPS (Trade Related Aspects of Intellectual Property Rights) agreement of WTO.
Other than the civil solutions & damages, the police & other such authorities have the rights to take action against breaking the terms of law in case of intellectual property. The petitions for violations of IPR will be filed & tried in courts just like any other suits. Appeals are filed in the courts against management & administrative decisions relating to IPR.
Intellectual Property Law in India broadly covers the following areas:
Patents, Plant Variety Protection, Geographic Information, Traditional Knowledge, Copyright, Trade Marks, Trade Secrets & Industrial Designs.
Intellectual property rights have become the highlighted subject because of India’s entry in the WTO & signing the “TRIPS” agreement. Long before this agreement was signed in 1995, there were several treaties dealing with IPRs, such as copyrights, trademarks, patents, & other rights. The most well-known of them are:
• The Paris Convention for the Protection of Industrial Property of March 20, 1883
• Berne Convention for the Protection of Literary & Artistic Works of September 9,1886
• International Convention for the Protection of Performers, Producers of Phonograms & Broadcasting Organizations done at Rome on October 26, 1961.
• Madrid Agreement Concerning the International Registration of Marks of April 14, 1891,
These all treaties have been periodically revised. But it was found that these treaties lacked an effective enforcement system by which parties to any of these treaties could ensure compliance with the terms of the treaties by other parties. Also the change in the pattern & pace of international trade highlighted the need for greater cohesion in the matter of mutual obligations & more precision in the description of the scope of the rights. TRIPS provided to its members an opportunity to redefine the content & scope of the rights.
TRIPS required first its signatory members, including India, updated their domestic legislation regarding the protection of those rights to the standards stipulated by TRIPS, which was the minimum standard of protection. That updating is a continuous process & while India has brought about several legislative changes into conformity with the requirements of TRIPS, some work still remains to be done.
Proponents of unrestricted file sharing point out how file sharing has given people broader & quicker access to media, has increased exposure to new & upcoming artists, & has considerably reduced the costs of transferring media (including less environmental damage). Supporters of restrictions on file sharing argue that we must protect the income of our artists & other people who work to create our media.
There is also a similar debate over intellectual property rights in case of software ownership. The two exactly opposite views are for closed source software distributed under restrictive licenses or for free & open – source software. The argument can be made that restrictions are required because companies would not invest weeks & months in development if there is no incentive for revenue generated from sales & licensing fees. A counter argument to this is that standing on shoulders of giants is far cheaper than when the giants don’t hold IP rights. Some advocated for open source are of belief that all programs should be available to anyone who wants to study them.
One reason for IP laws is to allow IP creators to benefit from their work/profession. If artists create sketch after months of hard work & labor, then they deserve credit & income from selling or exhibiting them. If a business comes up with an attractive marketing logo, then no other businesses should be allowed to use that logo for product promotion purposes without permission.
People also view protecting IP as a method of promoting creativity. If no one is allowed to copy another person’s work without permission, then we are encouraging creativity for everybody.
Cyber Crimes
Cybercrimes are unlawful acts where the computer is used either as a tool or a target or both. It is any illegal behavior directed by means of electronic operations that targets the security of computer systems & the data processed by them, or any illegal behavior committed by means of, or in relation to, a computer system or network, including such crimes as illegal possession & offering or distributing information by means of a computer system or network.
In recent surveys, it has been found that people are very cautious when it comes to documents that contain personal information on them by completely destroying them or assuring that they are safely stored.
The various types of cybercrimes can be classified as :
Cyber Stalking: It is a crime in which the attacker harasses a victim using electronic communication, such as e-mail or instant messaging, or messages posted to a website or a discussion group. A cyber stalker relies upon the anonymity afforded by the internet to allow them to stalk their victim without being detected.
Cyber stalking can be terribly frightening. It can destroy careers, credit, self-esteem, self-image, & friendships. It can even lead the victim into far greater physical danger when combined with real-world stalking. Victims of domestic violence are most of the time cyber stalking victims. One needs to be aware that technology can make cyber stalking easy. Spyware software can be used to monitor each & everything happening on your computer or mobile, giving tremendous amount of power & information to cyber stalkers.
Hacking: It means gaining an unauthorized access to data in a computer. It describes the fast development of new programs or the reverse engineering of already existing software to make the code better & more efficient. It also refers to expand the capabilities of any electronic device; to use them beyond the original intentions of the manufacturer.
Various terms like cracker, hacker & ethical hacker are used. Hacker are persons who enjoy learning the details of computer systems & expand their capabilities whereas, cracker is a person who uses his hacking skills for offensive purposes. Ethical hackers are usually security professionals who apply their hacking skills for defensive purposes.
Phishing: Phishing is a technique of fraudulently obtaining private information. In this the phisher sends an e-mail that appears to come from a legitimate business – a bank or credit card company requesting verification of information & warning of some dire consequence if it is not provided. The e-mail usually contains a link to a fraudulent web page that seems legitimate with company logos & content & has a form requesting everything from a home address to an ATM card’s PIN. Phishing involves false emails, chats, or websites designed to impersonate real systems with the goal of capturing sensitive data.
Vishing: It is also known as Phone Phishing. It uses an interactive voice response (IVR) system to recreate a legitimate sounding copy of a bank or other institution’s system. The victim is prompted (via a phishing e-mail) to call in to the bank via a number provided in order to verify information. A typical system will reject log-ins continually, ensuring the victim enters PINs or passwords multiple times, often disclosing several different passwords. More advanced systems transfer the victim to the attacker posing as a customer service agent for further questioning.
Baiting: It is like real-world Trojan Horse that uses physical media & relies on the curiosity or greed of the victim. It involves dangling something you want to entice you to take an action the criminal desires. It can be in the form of a music or movie download on a peer-to-peer site. Then, once the device is used or downloaded, the person or company’s computer gets infected with malicious software allowing the criminal to advance into your system.
Social Engineering: It is the act of obtaining or attempting to obtain secure data by conning an individual into revealing secure information. It is successful because its victims innately want to trust other people & are naturally helpful. The victims of social engineering are trickled into releasing information that they do not realize, will be used to attack a computer network. Criminals use social engineering tactics because it is usually easier to exploit natural inclination to trust than it is to discover ways to hack your software. As the saying goes, it is much easier to fool someone into giving you their password than it is for you to try hacking their password.
Reverse Social Engineering: It is a person-to-person attack in which an attacker convinces the target that he or she has a problem or might have a certain problem in the future & that he, the attacker, is ready to help you to solve the problem. Next, he gains the trust of the target & obtains access to sensitive information.
Cross-site scripting: It is a code injection security attack targeting web applications that delivers malicious, client-side scripts to a user’s web browser for execution. XSS attacks enable attackers to inject client-side scripts into web pages viewed by other users. A cross-site scripting vulnerability can be used by attackers to bypass access controls like same-origin policy.
Bot Nets: It is a group of computers controlled without their owner’s knowledge & used to send spam or make denial of service attacks. Malware is used to hijack the individual computers, also known as “zombies” & send directions through them. They are best known in terms of large spam networks, frequently based in the former Soviet Union.
A zombie or bot is often created through an Internet port that has been left open & through which a small Trojan horse program can be left for future activation. At a certain time, the zombie army “controller” can unleash the effects of the army by sending a single command, from an Internet Relay Channel (IRC) site. The computers that form a botnet can be programmed to redirect transmissions to a specific computer, such as a website that can be closed down by having to handle too much traffic – a distributed denial-of-service (DDoS) attack or, in the case of spam distribution, to many computers.
Cybersquatting: It means unauthorized registration & use of internet domain names that are similar to any business’s trademarks, service marks or company names.
Attack Vector: It is a path or means by which a hacker can gain access to a computer network server in order to deliver a payload or malicious outcome. It includes viruses, e-mail attachments, web pages, pop-up windows, instant messages, chat rooms, & deception.
Identity Theft: It is the deliberate use of someone else’s identity, to gain a financial advantage or obtain credit & other benefits in the other person’s name, & to the other person’s disadvantage or loss.
Integration of Intellectual Property in Cyber Universe
Intellectual property & cyber security are interlinked because of their common goal to protect the interests of the global community. The safety of one guide the security of the other. But, protecting just one is still not enough as there are specialized threats exclusively targeting intellectual properties. Besides the cost related to the mitigation of cyberattacks, a large portion of losses come from compromised intellectual assets. Because of this, understanding the importance of protecting both cyber security & intellectual property is a necessary step to avoid potential damages.
Malicious programs like computer viruses or cyber threats, pose serious threats to the integrity of the data contained within digital platforms. In this digital age, intellectual property like patent details, technological prototypes, & trade secrets are mostly stored in the digital network. Exposing these files to competitors creates a considerable risk of losing competitive advantage.
Despite improvements in combating cybercrime & threats, IT security professionals are still struggling to fully secure their organization & protect against breaches with 61 percent claiming to have experienced one to six data breaches & three-fourth of breaches require disclosure, putting reputation at risk.
Data breaches are becoming more serious as cybercriminals continue to target intellectual property putting the reputation of company brand or individuals at risk & increasing financial liability.
Conclusion
With the technological advancement & vast amount of growth in cyber world, copyright & trademarks are not limited to the traditional intellectual property but have spread to intellectual property rights over the internet. Cyberspace is becoming a place for intellectual property rights violation. That’s why it has become important that people should be aware of the illegal usage of their websites & webpages.
Hi, This is Dr. Aniket Saxena from Bareilly (India). I am an IIM – B, IMF (US), NISM & EQUALIFI Certified Financial Analyst, AML Pro, & Business Management Expert with PDM, MTech Laws, M. Int’l Laws, GMBA, EMBA (IT), EMBA (BI), & MCA, having around 14 years of experience in successfully implementing investment & financial strategies to achieve individual & business success.
Waste Removal Companies and How to Choose and Use Them
There are many waste removal companies in any large town or city. You can simply look one up and call them when you need to get rid of waste, but for good or great service it’s important to do some research first and to choose the best company for you.
Here are some home improvement tips to help you choose the right waste removal company:
Look at the company’s reputation. Look for companies with good reputations. This will help you feel confident that the company will take care of the waste removal process.
Ask about the price. Make sure the price is reasonable. You don’t want to overpay for the service.
Ask about the service. Make sure the company offers a good waste removal service. This will ensure that the process is done properly and that the waste is removed properly.
Ask about the schedule. Make sure the company has a schedule that fits your needs. You don’t want to have to wait until the last minute to have the waste removed.
Ask about the availability.
Make sure the company is responsible for the waste they collect and will only tip it at properly licensed waste disposal facilities.
There are a number of different types of local domestic and commercial waste removal companies that offer services these days. Some of the most common are described below:
Local Waste Disposal
Local waste disposal is the process of removing waste from an area. Waste disposal can be done by the local government, a private company, or a group of people. The three main methods of waste disposal are landfills, incinerators, and recycling.
Local waste disposal can be done in several ways. The local government might use landfills to dispose of solid waste. A private company might use incinerators to dispose of solid waste. A group of people might compost the solid waste and then use the compost to fertilize the land.
House Clearance Services
House clearance services are offered by companies that can help you declutter and tidy up your home in a snap. This can be a great way to make your living space feel more organized and stress-free.
Clean up your living space and declutter it, making it easier to live in and more organized and most people report that you will also feel happier.
Garden Clearance Services
Garden Clearance Services can help you clear a backlog of growth and discarded rubbish from any garden quickly. Most will always do their best to reuse, upcycle and down-cycle and recycle all the waste they collect.
In fact, most times now they will save money this way on the alternative of very high waste disposal costs for landfill and incineration.
If you have too much garden furniture, plants, or flowers, or if your garden is too small, you may need to hire a garden clearance service to help you declutter and organize your garden. This service can help you find items that you can donate to charity, sell online, or give to friends and family.
Pet Waste Removal
If you have a pet and find yourself struggling to cope with the amount of pet waste your pet produces, you may want to consider hiring a pet waste removal service. These companies are specially trained to take care of scooping up pet waste and disposing of it safely.
If you have a pet, you know that one of the things you have to take care of is getting rid of their waste.
Unfortunately, pet waste can be really messy and can stain furniture, floors, and other surfaces. That’s why it’s important to have a pet waste removal service that can take care of it for you.
They’ll come to your house and remove all the waste, leaving your house clean and tidy.
Man & Van Rubbish Clearance
Man and Van Rubbish Clearance is the perfect service for those who have a lot of rubbish to clear from a home or business location. A team of experts can help you get rid of all the rubbish in an area or property quickly and easily. They’ll take care of the entire process from start to finish, so you can focus on what’s important.
We cannot stress too highly that it is important to hire a company that has the necessary experience and is reliable.
Any waste management company should be licensed, bonded, and insured. It is also important to find out what type of waste they handle. If they are illegally handling waste, they may have to face financial penalties.
And you might also become implicated in the eyes of the police if your waste is found to have been illegally dumped.
Why Use a Local Waste Removal Company?
Using Waste Removal Companies can help businesses eliminate waste from their property and reduce their environmental footprint. Many professional waste management companies are dedicated to environmental protection. These companies collect, sort, and send waste to recycling facilities.
They use advanced equipment and technologies and strive to reduce the environmental impact of their services. Professional waste management companies can also help businesses reduce their costs by removing waste as cheaply as possible.
Fortunately, you may be in luck because waste removal companies are evolving to meet the increasing demand and getting much better at recycling according to the efficiency guide which is known as the waste hierarchy. The waste hierarchy has been devised to help people take the most sustainable option whenever waste is disposed of.
Clean Harbors is an example of a waste removal company that has expanded to more than 400 locations worldwide. It started with a trash truck and has grown into a multibillion-dollar corporation. They are also the largest organic compost facility operator in the United States.
Despite their huge size, this company has a long and turbulent history. Its owners fought for public health and the environment and have made this huge business out of a start-up using just one trash truck.
Waste-to-energy Facilities
Waste management businesses are more and more often announcing ventures to develop waste-to-energy facilities (WtE).
This technology can transform organic waste into transportation fuels. Including providing fuel for cars in the form of compressed biomethane (rCNG) in cylinders. It can also help power homes and businesses.
By turning trash into fuel, these companies can help save the planet and reduce our carbon footprint.
Trash Removal Rates and Services
If you choose a private waste removal company, you should ask about their rates and services. Some charge for monthly or yearly contracts. Some also charge per individual pickup. Make sure the prices you are quoted fit into your budget. Lastly, check if they offer any other services besides waste removal. It’s also important to find out whether the company offers any type of recycling.
The costs for garbage removal depend on the type of waste you have. Some items are recyclable while others require special equipment. Some of the more common items that are considered hazardous are batteries, fluorescent light bulbs, food waste, and yard waste. Depending on where you live, some types of waste may not be legally tipped on any particular landfill. Each landfill varies in the types of waste they can legally accept.
Your local government will enforce laws regarding hazardous waste, and there can be fines for illegal disposal.
The fees associated with waste removal may include dump fees, transfer station fees, pumping fees, and discharge fees. These fees are part of the cost of doing business for the company. These fees may be passed on to customers.
Find Out The Top 11 Things to Consider Before Getting into eCommerce
The rise of eCommerce is staggering. There are 12-24 million websites selling products and services online With more added every day. This is a constantly evolving area that is constantly evolving, with emerging fashions continuously bringing customers with their online purchasing experience. Like brick and mortar stores the process of launching an eCommerce store requires a lot of careful planning and preparation in the pre-launch, launch and post-launch phases. The online store owner must take into consideration a range of elements and address a variety of questions prior to starting to go live with eCommerce.
Consider these factors Before Starting an eCommerce Store
Here are a few things you need to think about before you venture into the world of eCommerce. Be aware that in addition to these elements, you’ll also require a good brand name so that people will recall your name. Furthermore, the eCommerce software that you create must appear and feel premium to be able to stand out from the competition.
Deciding on Products & Services
There is a tendency to see businesses that are new to eCommerce start by resembling the success of other eCommerce models and services. This isn’t a good idea, as you’re unlikely to be able to conduct the same studies they do on their targeted populations and geographical areas. It’s crucial to start by finding a niche. For instance, Amazon is the most sought-after eCommerce brand that began selling books before expanding into other goods.
Start with a few and type in the types of items and services which you think you are able to provide your customers with the best. This will enable you to comprehend the working processes and conduct an initial test of your market. It is essential to make your product distinct since you’re not likely to have the resources to offer discounts or other promotions similar to chains.
Researching Audiences & Competitors
After you’ve decided on the product you want to market it is important to determine the exact audience the product is being sold to. Recognizing the target market requires studying their buying, browsing as well as other behavior. It is important to determine the demographics you’re targeting, the kind of gadgets are they using for browsing, their purchasing preferences, where they live, what their geopolitics and cultural preferences are, and so on. Only when you’ve identified these factors you can set your business as well as marketing strategies.
The surveys of competitors are crucial to understanding the reality of the marketplace. You need to determine whether competitors provide similar or similar services similar to yours and then decide on strategies. Your business plan, financial planning, production and selling strategies will all be contingent on the competition that you encounter.
Inventory Management & Stock Tracking
If the items that you’re offering are digital and then you’re completely free of these concerns. In the event that you are not, you need to begin thinking about warehouse costs as well as inventory management and storage and tracking the inventory you have. The most popular eCommerce platforms provide built-in tools to help you manage your inventory management effectively. Third-party software applications are also available however, they require you to incorporate them into your app. It is also crucial to display your stock on the product page in real-time. This will help shoppers avoid the stress of not knowing if the product they’re looking for is in stock or not prior to the purchase process.
Shipping Management
eCommerce businesses typically tie up with a variety of shipping services which aid in bringing their products to their clients both locally and internationally. Naturally, the form of shipping service you use will depend on the specific target market you’ve selected. It is crucial to incorporate shipping calculators in your application in order to determine the total invoice amount. This informs customers of exactly what they will have to pay to allow an item to be delivered to their doorstep.
Third-party shipping services usually provide an API you must integrate, and will be a calculator for shipping. If you own your own shipping system, you’ll need to ask the developers to integrate their rates with the app. If this is the case it’s also wise to look into distributed warehouses as your business expands. This will help you and your customer’s shipping costs.
Managing Returns
The main drawback to eCommerce purchasing is the fact that buyers aren’t able to physically touch the product prior to buying it. This means that there’s no way to know if the product is unsuitable or defective before it is delivered. That’s why well-known eCommerce companies always provide options of refunds, returns and replacements, but with some flexibility and security.
Be sure to have the right procedures figured out to handle the request for a refund or replacement. It is essential to have defective items taken care of and then the money returned within a short time in order to keep confidence among your customers.
Figuring out Monetization
The next step is to choose an appropriate price for items and services. It will be based on the amount you invest, your regular expenses, employee costs in the development of your application, maintenance costs, as well as the minimum profits you will need to expand your business. It is important to take your time and conduct a study of the market before you decide on the price you will charge. If you constantly alter the price of your products or keep the same price as your competitors, you’ll not seem like a credible company. You must develop your own pricing policy which will allow you to make a mark.
Choosing the Right Development Team
After you’ve got the basic concepts and the eCommerce methods figured out you’ll require plenty of time to develop an application where customers can shop. There’s an abundance of high-quality eCommerce design services all over the world which can make the process easier for you. Select a firm with the necessary expertise in the development of eCommerce applications Make sure to take note of what their clients have to say about them.
Website or App
It is up to you to decide if would like to develop a web application, mobile application or both. This will impact the remainder of the development as well as other costs that you’ll have to pay. Based on current browsing habits and the accessibility of mobile phones applications for mobile devices are possibly the most effective way for people to buy with your store. If you have a limited budget web-based sites are an alternative
Development & Technologies
After that, you need to select the eCommerce platform that you want your app to be based upon. If you’ve decided to go with mobile apps then you must decide whether you’d like it to be either native or hybrid. Each has its own advantages and the development team can help you with which choice to make.
If you have a website, Shopify, BigCommerce, Magento and WordPress are excellent choices. Speak with your preferred web development company and learn about the advantages and disadvantages of each of the options available to you. Know about the costs for development and additional maintenance costs associated with these platforms, as well as the types of security and additional options they provide. This will help you determine whether you should spend money on additional plugins and extensions to help with shipping, tracking orders taxes, searching or anything else.
When you’ve decided on the best platform, you’ll need to select a suitable hosting service. The type the hosting service you select will depend on the number of services you’ve got and the volume of traffic you’re expecting. In addition to development costs, there will be recurring expenses such as hosting charges, subscription-model plugins, maintenance and much more. Be sure to be aware of the type of expenses you’ll have to pay prior to choosing the technology you will invest in.
Marketing
If you’ve built a solid eStore and you have it filled with great items, you must promote it to your targeted market. It’s only when you broaden your audience and build brand visibility that your website will get more traffic and consequently more conversions. This means you need to think about not only development but marketing too and set an appropriate budget. It’s best to work with an expert digital marketing agency to handle this aspect, as successful marketing is a lengthy and complicated process.
Only by having a solid marketing strategy will you be able to stand out from your competition and make yourself noticeable to your customers. Discuss your preferred marketing partners and develop an effective plan. Utilize all channels that are available for advertising within your budget, and utilize social media whenever you can. Create profiles for your business on all channels that are appropriate and regularly market to a targeted group to ensure that they are able to access your website.
Investing in Security
The majority of 32.4 percentage of all successful online hacking attempts are targeted at the eCommerce sector. Hackers typically view small and newly launched eCommerce companies as easy targets due to their inadequate security systems. Online customers are putting their trust in them with their financial and personal information and expect that data to be secured. Attacks on your website do not just destroy your credibility but be a risk to those whose information is stolen.
Be sure to stay in front of these nefarious elements by investing in the right security measures. Continuously updating your administrator passwords and keeping all of your main databases and files updated as well as regularly backing up All of these will go a long way in ensuring your data is secure. Conduct regular vulnerability tests and utilize high-quality security software or other firewall services. Discuss additional measures that you could implement with your development team and request them to implement similar measures. You may also consider employing regularly scheduled support services for your site to ensure that everything is running smooth.
Conclusion
Your customers must be the primary focus of your eCommerce strategies. You can ensure a pleasant shopping experience by ensuring that your inventory, stocking and shipping, as well delivery, are all done smoothly. Naturally, a professional eCommerce development service will improve the performance of your eCommerce company significantly by using the most efficient, user-friendly and accessible application that is well-optimized. But it’s only with an enlightened long-term plan that you can achieve success in the field of eCommerce.
Start a Business – Welcome to the Numbers Game
Set Up Company Bank Accounts
Once you have officially formed your company and obtained an Employer Identification Number (EIN) from the IRS, you are now ready to open one or more bank accounts. Take your EIN and a copy of your articles of organization/incorporation with you to the bank. These are usually needed to open the bank account.
Obtain Additional Funding
Funding a new business can be one of the biggest challenges for business owners. It can be difficult to obtain a loan for a new business because that business has no history.
Be prepared as the business owner to have to personally guarantee any loan in the beginning. This means that your personal credit score and income history is critical. Even if you are applying for credit in the name of the business, it is really you personally that they are judging the loan upon. After all, your business is new, so what else does the bank have to go on for making a decision.
There are three credit bureaus for obtaining a credit report: Equifax, Experian, and Trans Union. You can also purchase your FICO score from MyFICO and some credit bureaus. The FICO store is a number that ranks your credit-worthiness.
You should strongly consider taking out initial lines of credit before quitting your existing job. The reason is because even if you have great credit, if you have no current income, it will be difficult to get a loan for your new business. Here are some suggestions for how you can obtain funds for your business.
The US Small Business Administration (SBA) has small business loan programs available. Be prepared to personally guarantee the loan and to spend a lot of time on documentation and paperwork.
personal loans that you then make to the business from your own lines of credit.
funding from family and friends
credit cards
home equity lines of credit
Obtain Business Credit Cards
Another funding step to consider is obtaining a credit card in the name of the business. Even if you have to personally guarantee the credit card, the benefit is that you start establishing a credit history for the business. Another reason this is valuable is because it helps you keep your personal expenses separated from your business expenses without having to do a lot of expense reports to reimburse yourself.
Accept Credit Cards
The easiest way to accept credit cards payments from your customers online is using Paypal, because you do not need a merchant account or good credit. Another great tool for accepting credit cards on your web site is 1ShoppingCart. If you need a physical machine to process credit cards in person, you will need to apply for an actual merchant account, which is based on your credit-worthiness.
Accounting Software
QuickBooks is a business accounting software program that is offered by Intuit. There are various other accounting programs on the market, but this is just one example for you to consider. You should pick the one that you are most comfortable with and that you will be most likely to use.
Set Up Physical Files
Although you will be using an accounting system, you still need to keep your paper files organized. The IRS requires you to maintain your receipts to prove your income and expenses.
Here are some example folders that you should consider creating for storing your files once you (or your bookkeeper) have entered them into an accounting software program:
Income
Utility Bills
Insurance
Bank Statements
Bank Loans
Credit Card Statements
Expense Reports
Office Supplies
You can also further subdivide these depending on how many different accounts you have, so any one file does not get too large.
Keep Business Records Separate From Personal Records
It might be tempting to pay some of your personal bills from your business checking account, but this is an absolute “No-No”. It is really important that you maintain your personal records separately from your business records.
One reason is because you can lose the protection that you are given by any separate legal entity you formed if you co-mingle your personal assets and your business assets together. In other words, someone could “pierce the corporate veil” and get to your personal assets because you were really just one and the same anyway (at least you acted like it).
Another reason it is important that you maintain your personal records separately from your business records is because it makes it much easier to identify the health of the business. If your house payment is mixed in with your business expenses, it makes it really difficult to see how well the business is actually performing.
Maintain The Records For the Business
Over time, you will need to continue to maintain the business records. This includes the income and expense records, but also includes your official corporate or company minute book, as described in Chapter 2.
If you are ever sued and you have a legal entity that provides any level of personal asset protection, this record book will be one of the first things that gets subpoenaed by the person suing you. They can try to show that you have not really maintained a legitimate entity separate from your personal life, and that you should thus be personally liable for the judgment too (because of the “piercing the corporate veil” idea mentioned above.
Meet Continued Filing Requirements
Over time, you will have various filing requirements that you must meet to keep your business out of trouble with various government agencies. Every business has different requirements depending on the nature of the business and how it operates, but here are some examples of the filing requirements you may have to meet:
Estimated quarterly income taxes – This is where you pay the IRS and your state revenue department a portion of the income taxes you owe throughout the year. See the end of Chapter 2 for links.
Payroll tax reports – If you have employees, you must file these (or have your payroll company do so, which is recommended).
Annual or bi-annual reports with your Secretary of State to maintain your entity in good standing.
Your annual corporate/entity tax return (in addition to your personal tax return, but with different filing deadlines.)
Sales tax returns
And more
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