#payment application security training

[eazypaytech]

EMV, EMV Certification, EMV L2 Certification, EMV L2 Certification

[justinspoliticalcorner]

Paul Blumenthal at HuffPost:

Before Vice President JD Vance was elected to the Senate from Ohio in 2022, he expressed a radical sentiment now coming to fruition under President Donald Trump. “We need a de-Ba’athification program in the U.S.,” Vance said as he called for the firing of every midlevel federal government employee and their replacement with Trump allies. In likening the U.S. government to the purges of Saddam Hussein’s Ba’ath Party in post-war Iraq, Vance provides a metaphor to explain what the Trump administration is doing now. The MAGA coalition, led by Trump, Vance and billionaire Elon Musk are an occupying force — a provisional authority — operating in wartime conditions to dismantle the U.S. government. As in post-war Iraq, the previously existing legal order is no more. For Americans, that means the Constitution has been effectively suspended. The ongoing destruction of the U.S. government by Trump and Musk is already a full-blown constitutional crisis. The executive branch has seized power it does not have from Congress and the American people to eliminate agencies created by Congress, suspend payments authorized by law, break contracts entered into under law, rewrite the Constitution and, potentially, ignore the judiciary when push comes to shove. All of these actions, tied together, represent not just an unprecedented seizure of executive power by the president, but an intentional subversion of the constitutional order. Or, as Trump’s nominee to lead the Office of Management and Budget Russell Vought wrote in 2022, “We are living in a post-Constitutional time.”

The actions Trump and Musk are taking not only threaten the country’s constitutional structure, but also the material livelihood of all Americans. In targeting government services people need to live their lives, they risk forcing people to stop working to perform childcare, throw at-risk people into homelessness, deny disabled people the right to a free life and cut off the elderly and sick from necessary health care. In seeking to end birthright citizenship, Trump threatens the very right of people born here to obtain the benefits granted to them by the Constitution. Potentially more catastrophic, Musk’s seizure of the Department of Treasury’s payment system and the possible tinkering his college-age minions are doing to it could crash a decadesold system that doles out the annual $6 trillion budget to Social Security recipients, government employees, grantees, loan recipients and more.

Musk is deploying the model he used to gut Twitter after he bought it in 2022. It’s an expression of the “move fast and break things” ethos of Silicon Valley. The tech elite believe that laws and regulations should be ignored if it gets in their way of innovation and profit-seeking. Think about Uber’s deployment of subsidized taxis to undercut incumbent competition, scooter companies dumping their product on city streets with no authorization, the mass Hoovering of data by social media companies or AI companies relying on copyrighted material to train their models. They are also happy to break products as they beta test new applications, just as Musk’s X frequently went down after he fired huge numbers of engineers following his takeover. A disruption in the operation of a social media site, however, does not have any meaningful real world consequences. But if Musk decides to “fail whale” the government, the consequences would be catastrophic for hundreds of millions of Americans, not to mention the stability of the global economy.

[...]

Congress, under the sniveling leadership of Republican Speaker Mike Johnson (La.) and Senate Majority Leader John Thune (S.D.), has surrendered its power at Trump’s feet. The Constitution gives Congress the power of the purse to fund the government and enact laws creating and authorizing executive branch agencies. The president is then supposed to “take Care that the Laws be faithfully executed.” Trump has inverted this constitutional design with the help of a supplicant Republican-controlled Congress. [...] The Constitution requires Congress to pass laws and make appropriations and for the president to execute those laws and appropriations. If Trump’s actions stand, the Constitution will have been turned inside out. Congress will be swept aside. So will the American people, who elected Congress as a co-equal power to the president. And if Trump and Musk have their way, the judiciary will also be eliminated. When Vance called for the “De-Ba’athification” of the U.S. government, he also opined on what would happen if the courts intervened. [...] What this amounts to is one-man rule. The MAGA royalists have tossed the Constitution aside — at least provisionally — in favor of a king. Will anyone stop them?

HuffPost’s Paul Blumenthal provides cogent analysis on how the Axis of Evil triumvirate between Elon Musk, JD Vance, and Donald Trump, are operating to destroy our cherished Constitutional governance and livelihoods of many Americans.

[cortosis-ct]

The Bad Batch and their jobs (Modern AU)

In my headcanon they all started out as soldiers. After getting out and accidentally acquisiting Omega, they desperately need money and take any jobs they can get. Eventually, everyone finds something they actually like.

Hunter:

Retail sales associate aka Walmart slave and getting yelled at by Karens all day. He's also doing freelance cleaning jobs, the grosser the better the payment. Think hoarder apartments with fifty cats or scat orgy hotel room cleanup.

He works hard on getting his record cleaned up and eventually secures a job at the fire station. He becomes a firefighter and will eventually be a lieutenant and later captain.

Tech:

Fast food worker which means lots of being yelled at by hangry people who are unhappy with the way their BigMac was stacked. He takes any extra shift he can get.

After several failed rounds of applications, he hacks into a big company's system and puts his name on top of the candidate list. He ends up supervisor for some bank insurance IT stuff with lots of numbers.

Wrecker: Miner. It's hard work and long hours in the dark. He actually earns the most of all of them but that's because it's fucking dangerous and depressing.

The leading instructor for the demolition expert trainees blows up. Wrecker, having had professional training in the military and lots of experience at not getting blown up (again), is their best take so he becomes their new instructor for the new hires.

Crosshair: Nobody is really willing to hire him so he's an unlicensed taxi driver most nights. (He hates everything about it.) He also signed up as a freelance roadkill collector job in Hunter's name and takes the calls when he doesn't have passengers.

He meets railroaders when cleaning up railkill one night. When smoking he mentions how much he hates being a taxi driver and the railroaders recruit him for their company. He becomes a traindriver and finally doesn't have to interact with his passengers.

Echo: They call it online sales associate marketer and customer service advisor. He calls it tele-scam-marketer. Many people yelling at him but at least he can work from home.

At a parent-teacher conference of Omega's school he helps another parent with a technology problem. He's like: "I tried to get rid of that problem for hours and you did it within five minutes. You gotta be a master software engineer." and Echo's like "I get payed to get yelled at as a telemarketer". Turns out the guy is an HR associate at an IT company and gets Echo a proper job.

[digitalmarketing1225]

Object-Oriented Programming (OOP) Explaine

Object-Oriented Programming (OOP) is a programming paradigm based on the concept of "objects," which represent real-world entities. Objects combine data (attributes) and functions (methods) into a single unit. OOP promotes code reusability, modularity, and scalability, making it a popular approach in modern software development.

Core Concepts of Object-Oriented Programming

Classes and Objects

Class: A blueprint or template for creating objects. It defines properties (attributes) and behaviors (methods).

Object: An instance of a class. Each object has unique data but follows the structure defined by its

Encapsulations

Encapsulation means bundling data (attributes) and methods that operate on that data within a class. It protects object properties by restricting direct access.

Access to attributes is controlled through getter and setter methods.Example: pythonCopyEditclass Person: def __init__(self, name): self.__name = name # Private attribute def get_name(self): return self.__name person = Person("Alice") print(person.get_name()) # Output: Alice

Inheritance

Inheritance allows a class (child) to inherit properties and methods from another class (parent). It promotes code reuse and hierarchical relationships.Example: pythonCopyEditclass Animal: def speak(self): print("Animal speaks") class Dog(Animal): def speak(self): print("Dog barks") dog = Dog() dog.speak() # Output: Dog barks

Polymorphism

Polymorphism allows methods to have multiple forms. It enables the same function to work with different object types.

Two common types:

Method Overriding (child class redefines parent method).

Method Overloading (same method name, different parameters – not natively supported in Python).Example: pythonCopyEditclass Bird: def sound(self): print("Bird chirps") class Cat: def sound(self): print("Cat meows") def make_sound(animal): animal.sound() make_sound(Bird()) # Output: Bird chirps make_sound(Cat()) # Output: Cat meows

Abstraction

Abstraction hides complex implementation details and shows only the essential features.

In Python, this is achieved using abstract classes and methods (via the abc module).Example: pythonCopyEditfrom abc import ABC, abstractmethod class Shape(ABC): @abstractmethod def area(self): pass class Circle(Shape): def __init__(self, radius): self.radius = radius def area(self): return 3.14 * self.radius * self.radius circle = Circle(5) print(circle.area()) # Output: 78.5

Advantages of Object-Oriented Programming

Code Reusability: Use inheritance to reduce code duplication.

Modularity: Organize code into separate classes, improving readability and maintenance.

Scalability: Easily extend and modify programs as they grow.

Data Security: Protect sensitive data using encapsulation.

Flexibility: Use polymorphism for adaptable and reusable methods.

Real-World Applications of OOP

Software Development: Used in large-scale applications like operating systems, web frameworks, and databases.

Game Development: Objects represent game entities like characters and environments.

Banking Systems: Manage customer accounts, transactions, and security.

E-commerce Platforms: Handle products, users, and payment processing.

Machine Learning: Implement models as objects for efficient training and prediction.

Conclusion

Object-Oriented Programming is a powerful paradigm that enhances software design by using objects, encapsulation, inheritance, polymorphism, and abstraction. It is widely used in various industries to build scalable, maintainable, and efficient applications. Understanding and applying OOP principles is essential for modern software development.

: pythonCopyEdit

class Car: def __init__(self, brand, model): self.brand = brand self.model = model def display_info(self): print(f"Car: {self.brand} {self.model}") my_car = Car("Toyota", "Camry") my_car.display_info() # Output: Car: Toyota Camry

Encapsulation

[dandelionsresilience]

Good News - April 8-14

(Actually 8-12 due to irl obligations)

Like these weekly compilations? Support me on Ko-fi! Also, if you tip me on here or Ko-fi, at the end of the month I'll send you a link to all of the articles I found but didn't use each week - almost double the content! (I'm new to taking tips on here; if it doesn't show me your username or if you have DM's turned off, please send me a screenshot of your payment)

1. Interior Department Finalizes Action to Strengthen Endangered Species Act

“These revisions, which will increase efficiency by reducing the time and cost to develop and negotiate permit applications, will encourage more individuals and companies to engage in conservation benefit agreements and habitat conservation plans, generating greater conservation results overall.”

2. Young Puerto Ricans Restore Habitat Damaged by Hurricane While Launching Conservation Careers

“Corps members help restore the island’s environmental and cultural assets and volunteer in hard-hit local communities. They also gain valuable paid work experience and connections to possible future employers, something many young Puerto Ricans struggle to find.”

3. Australian-born cheetah released in Africa for the first time ever. Watch the heart-warming moment Edie is set free

““The Metapopulation Initiative will bring in appropriate males, probably two initially, to breed with Edie,” King says. “It’s those future cubs, and their cubs, that will ensure the legacy of spreading Edie’s genetics across the southern African metapopulation. And we will have also provided Edie – a wild animal, let’s not forget – with a chance of a life in the wild.””

4. Baby Bald Eagles Confirmed in 2 of 4 Nests in Will County Forest Preserves

“A pair of fuzzy eaglet heads were spotted popping up out of one of the nests this week, officials said. Two weeks ago, monitors noticed adult eagles feeding an unseen hatchling (or hatchlings) in a different nest.”

5. New Hope for Love for Japanese Children Needing Families

“The new system, established by a 2022 law, offers private childcare institutions financing to transform their business model into “Foster Care Support Centers” that recruit, train, select, and support foster parents, and assist the independence of children living in foster families. If a childcare institution becomes a Foster Care Support Center, the government will fund full-time staff members based on the number of foster households they cater to.”

6. Nexamp nabs $520M to build community solar across the US

“Nexamp, a community solar developer and project owner, has secured a whopping $520million to install solar arrays around the nation in one of the largest capital raises to date for this growing sector. Community solar gives renters, small businesses and organizations the chance to benefit from local solar power even if they can’t put panels on their own roofs.”

7. A natural touch for coastal defense: Hybrid solutions which combine nature with common “hard” coastal protection measures may offer more benefits in lower-risk areas

“Common “hard” coastal defenses, like concrete sea walls, might struggle to keep up with increasing climate risks. A new study shows that combining them with nature-based solutions could, in some contexts, create defenses which are better able to adapt.”

8. Rewilding program ships eggs around the world to restore Raja Ampat zebra sharks

“A survey estimated the zebra shark had a population of 20 spread throughout the Raja Ampat archipelago, making the animal functionally extinct in the region. […] Researchers hope to release 500 zebra sharks into the wild within 10 years in an effort to support a large, genetically diverse breeding population.”

9. Forest Loss Plummets in Brazil and Colombia

“New data reveals a decline in primary forest loss in Brazil and Colombia, highlighting the significant impact of environmental reforms in curbing deforestation. According to 2022-2023 data from the University of Maryland’s GLAD Lab and World Resource’s Institute (WRI), primary forests in Brazil experienced a 36 per cent decrease in deforestation under President Inácio Lula da Silva’s leadership, reaching its lowest level since 2015. Colombia nearly halved (by 49 per cent) its forest loss under the administration of President Gustavo Petro Urrego, who has prioritised rural and environmental reform.”

10. New Agreement Paves the Way for Ocelot Reintroduction on Private Lands

“With the safe harbor agreement in place, partners plan to begin developing a source stock of ocelots for reintroduction. Over the next year, they plan to construct an ocelot conservation facility in Kingsville to breed and raise ocelots. Producing the first offspring is expected to take a few years.”

April 1-7 news here | (all credit for images and written material can be found at the source linked; I don’t claim credit for anything but curating.)

[rideboomindia]

RideBoom with a blow torch in the on demand ride share industry.

RideBoom, a leading innovator in the ride-hailing industry, is proud to announce a series of significant achievements and advancements that are reshaping the way people experience transportation services. With a commitment to providing exceptional customer experiences and revolutionizing the ride-hailing landscape, RideBoom continues to solidify its position as a prominent player in the market.

Since its inception, RideBoom has been dedicated to offering reliable, convenient, and safe transportation solutions to riders across chandigarh , delhi , pune, Kolkata , agra. The company's ongoing achievements include:

1. Unparalleled Service Quality: RideBoom has garnered a reputation for its unwavering commitment to service excellence. By prioritizing customer satisfaction, RideBoom consistently goes above and beyond to ensure a seamless and enjoyable ride experience.

2. Advanced Technological Solutions: Riding the wave of technological innovation, RideBoom has embraced cutting-edge solutions to enhance its platform. With a user-friendly mobile application and robust backend systems, RideBoom offers a seamless booking process, real-time tracking, and secure payment options.

3. Driver Empowerment: RideBoom recognizes the importance of its driver community and strives to create a supportive and rewarding environment. By implementing driver-friendly policies, attractive earnings opportunities, and comprehensive training programs, RideBoom empowers its drivers to deliver exceptional service to riders.

4. Safety as a Top Priority: Safety remains at the forefront of RideBoom's operations. The company has implemented stringent safety measures, including driver background checks, vehicle inspections, and real-time monitoring, to ensure the well-being of both riders and drivers.

5. Expansion and Market Reach: RideBoom has experienced remarkable growth and expansion, extending its services to new cities and regions. By broadening its market reach, RideBoom aims to connect more riders with reliable transportation options while creating new income opportunities for drivers.

"We are thrilled to celebrate these ongoing achievements and the positive impact we are making in the ride-hailing industry," said Harminder Malhi know as Harry Malhi , founder at RideBoom. "Our dedicated team, combined with our commitment to innovation and customer satisfaction, has propelled us to new heights. We are excited to continue revolutionizing the way people travel and providing a truly exceptional ride-hailing experience."

RideBoom invites riders, drivers, and partners to experience the future of ride-hailing by visiting the website or downloading the RideBoom mobile app, available on iOS/Android.

About RideBoom

RideBoom is a leading ride-hailing company dedicated to transforming the transportation industry. With a focus on exceptional customer service, advanced technology, driver empowerment, and safety, RideBoom aims to provide a superior ride-hailing experience for both riders and drivers. RideBoom operates in multiple cities and regions, connecting people with reliable transportation options.

[xettle-technologies]

What Are the Costs Associated with Fintech Software Development?

The fintech industry is experiencing exponential growth, driven by advancements in technology and increasing demand for innovative financial solutions. As organizations look to capitalize on this trend, understanding the costs associated with fintech software development becomes crucial. Developing robust and secure applications, especially for fintech payment solutions, requires significant investment in technology, expertise, and compliance measures. This article breaks down the key cost factors involved in fintech software development and how businesses can navigate these expenses effectively.

1. Development Team and Expertise

The development team is one of the most significant cost drivers in fintech software development. Hiring skilled professionals, such as software engineers, UI/UX designers, quality assurance specialists, and project managers, requires a substantial budget. The costs can vary depending on the team’s location, expertise, and experience level. For example:

In-house teams: Employing full-time staff provides better control but comes with recurring costs such as salaries, benefits, and training.

Outsourcing: Hiring external agencies or freelancers can reduce costs, especially if the development team is located in regions with lower labor costs.

2. Technology Stack

The choice of technology stack plays a significant role in the overall development cost. Building secure and scalable fintech payment solutions requires advanced tools, frameworks, and programming languages. Costs include:

Licenses and subscriptions: Some technologies require paid licenses or annual subscriptions.

Infrastructure: Cloud services, databases, and servers are essential for hosting and managing fintech applications.

Integration tools: APIs for payment processing, identity verification, and other functionalities often come with usage fees.

3. Security and Compliance

The fintech industry is heavily regulated, requiring adherence to strict security standards and legal compliance. Implementing these measures adds to the development cost but is essential to avoid potential fines and reputational damage. Key considerations include:

Data encryption: Robust encryption protocols like AES-256 to protect sensitive data.

Compliance certifications: Obtaining certifications such as PCI DSS, GDPR, and ISO/IEC 27001 can be costly but are mandatory for operating in many regions.

Security audits: Regular penetration testing and vulnerability assessments are necessary to ensure application security.

4. Customization and Features

The complexity of the application directly impacts the cost. Basic fintech solutions may have limited functionality, while advanced applications require more extensive development efforts. Common features that add to the cost include:

User authentication: Multi-factor authentication (MFA) and biometric verification.

Real-time processing: Handling high volumes of transactions with minimal latency.

Analytics and reporting: Providing users with detailed financial insights and dashboards.

Blockchain integration: Leveraging blockchain for enhanced security and transparency.

5. User Experience (UX) and Design

A seamless and intuitive user interface is critical for customer retention in the fintech industry. Investing in high-quality UI/UX design ensures that users can navigate the platform effortlessly. Costs in this category include:

Prototyping and wireframing.

Usability testing.

Responsive design for compatibility across devices.

6. Maintenance and Updates

Fintech applications require ongoing maintenance to remain secure and functional. Post-launch costs include:

Bug fixes and updates: Addressing issues and releasing new features.

Server costs: Maintaining and scaling infrastructure to accommodate user growth.

Monitoring tools: Real-time monitoring systems to track performance and security.

7. Marketing and Customer Acquisition

Once the fintech solution is developed, promoting it to the target audience incurs additional costs. Marketing strategies such as digital advertising, influencer partnerships, and content marketing require significant investment. Moreover, onboarding users and providing customer support also contribute to the total cost.

8. Geographic Factors

The cost of fintech software development varies significantly based on geographic factors. Development in North America and Western Europe tends to be more expensive compared to regions like Eastern Europe, South Asia, or Latin America. Businesses must weigh the trade-offs between cost savings and access to high-quality talent.

9. Partnering with Technology Providers

Collaborating with established technology providers can reduce development costs while ensuring top-notch quality. For instance, Xettle Technologies offers comprehensive fintech solutions, including secure APIs and compliance-ready tools, enabling businesses to streamline development processes and minimize risks. Partnering with such providers can save time and resources while enhancing the application's reliability.

Cost Estimates

While costs vary depending on the project's complexity, here are rough estimates:

Basic applications: $50,000 to $100,000.

Moderately complex solutions: $100,000 to $250,000.

Highly advanced platforms: $250,000 and above.

These figures include development, security measures, and initial marketing efforts but may rise with added features or broader scope.

Conclusion

Understanding the costs associated with fintech software development is vital for effective budgeting and project planning. From assembling a skilled team to ensuring compliance and security, each component contributes to the total investment. By leveraging advanced tools and partnering with experienced providers like Xettle Technologies, businesses can optimize costs while delivering high-quality fintech payment solutions. The investment, though significant, lays the foundation for long-term success in the competitive fintech industry.

[cashcountingmachinebybankomat]

Billing machines have become an essential tool for businesses across various sectors, streamlining the invoicing process and enhancing operational efficiency. This article explores the features, benefits, and types of billing machines, as well as their significance in modern commerce.

What is a Billing Machine?

A billing machine is a device specifically designed to generate invoices and manage transactions efficiently. It automates the billing process, allowing businesses to issue receipts quickly and accurately. Available in various forms such as portable, handheld, and point-of-sale (POS) systems, these machines cater to the needs of small businesses and large enterprises alike.

Key Features of Billing Machines

User-Friendly Interface: Many modern billing machines come with intuitive touchscreen interfaces that simplify the transaction process, making it easy for staff to operate without extensive training.

Fast and Accurate Billing: These machines are designed to process transactions rapidly, significantly reducing customer wait times and enhancing service efficiency.

Customizable Invoices: Users can personalize invoice templates to reflect their branding, including logos and business details, which adds a professional touch to customer interactions.

Comprehensive Reporting: Billing machines often provide detailed sales reports, inventory tracking, and financial records, enabling businesses to monitor performance and make informed decisions.

Tax Compliance: Many billing machines are equipped with features that ensure compliance with tax regulations, making it easier to calculate applicable taxes like GST or VAT.

Multiple Payment Options: They support various payment methods, including cash, credit/debit cards, and digital wallets, providing convenience to customers.

Benefits of Using Billing Machines

Increased Efficiency: Automating the billing process reduces manual errors and speeds up transactions, leading to improved cash flow and customer satisfaction.

Enhanced Security: Billing machines help in maintaining secure records of transactions, reducing the risk of loss or theft associated with cash handling.

Improved Inventory Management: Many billing machines come with inventory management features that allow businesses to track stock levels and set up alerts for low inventory, ensuring timely restocking.

Cost-Effectiveness: While the initial investment in a billing machine may be higher, the long-term savings in time and labor can be substantial, making them a cost-effective solution for businesses.

Types of Billing Machines

POS Systems: These are comprehensive solutions that combine billing, inventory management, and sales tracking, ideal for retail environments and restaurants.

Portable Billing Machines: These compact devices are perfect for businesses that require mobility, such as food trucks or market vendors.

Handheld Billing Machines: Designed for ease of use, these machines are often used in smaller retail settings or for on-the-go transactions.

Touchscreen Billing Machines: Featuring advanced technology, these machines offer a modern interface and are designed for high-volume transaction environments.

Conclusion

Billing machines are vital for modern businesses, providing a range of features that enhance efficiency, accuracy, and customer satisfaction. By automating the billing process, these machines not only save time but also contribute to better financial management and operational transparency. As technology continues to evolve, the capabilities of billing machines will likely expand, further transforming the way businesses handle transactions. Whether for a small shop or a large retail chain, investing in a reliable billing machine can significantly improve business operations.

[moneyverss]

How to get a low-interest personal loan

Everyone is afraid of taking a personal loan and feels shy about taking a personal loan, but personal loan fulfills the needs of every person, whatever the need may be, such as medical emergency, education loan, home, new house or building loan, etc.

What is a personal loan, types of personal loans, why is a personal loan taken, what are the advantages and disadvantages of personal loan?

Any person can take a personal loan to complete his work. Personal loan is given by different banks and companies and that too at a low interest rate.

While taking a personal loan, you do not have to keep any property as security.

Uses of Personal Loan:-

We use personal loans for various purposes like education, marriage, travel, home construction, medical expenses or buying a gadget.

Education:- We can take personal loans for various purposes like tuition, buying books, paying school fees etc.

Weddings: For wedding expenses like venue rent, catering etc.

Travel: Funding a vacation for which you can pay in advance

Business Expenses: To meet the needs of a startup, purchase equipment or cover operational expenses for a small business etc.

Personal Investments: Investing in stocks, bonds or other instruments

Personal Loan for Women:-

Personal loans for women have the lowest interest rates and the most options to repay the loan. Women can use this money to manage their business and other expenses.

Banks offer different types of personal loans for women that come with low-interest rates and longer repayment periods. Women can use the money to expand their business and meet other expenses.

Fulfill family needs, such as child education expenses, assist in leisure expenses.

Career development: Some personal loans for women may be earmarked for career advancement, such as funding additional education, certification or training programs that can help women advance in their careers.

Here are the pros and cons of Personal loans:-

Pros

A personal loan is the best to fulfill your needs

You can easily get a personal loan from any bank

In a personal loan, you do not have to keep any property as security

A personal loan is the best to fulfill your needs

 Lower interest rates.

Extended loan terms.

 Easier to manage.

Cons

eligibility requirements.

Fees can be high.

Additional monthly payment.

Increased debt load.

Higher monthly payments than credit cards.

Interest rInterest rates can be higher 

 More ates are higher in personal laws.

  Personal loans are not for long term

Why it is important to have a good credit score?

A good credit score can mean access to better lending terms and lower interest rates, but it can also lead to access to other things like lower insurance rates, better credit cards, and more help in renting homes or apartments.

What is considered a good credit score? According to the FICO credit scoring model, credit scores fall into five different categories:

Bad Credit: 300-579

Reasonable Credit: 580-669

Good Credit: 670-739

Very Good Credit: 740-799

Excellent Credit: 800-850

Eligibility Criteria for a Personal Loan:-

The eligibility criteria for a personal loan may vary depending on the lender and the specific terms of the loan. However, there are some general criteria that most lenders keep in mind while evaluating applicants for personal loans

Personal loans come in different types depending on the terms and conditions that most lenders take into account when evaluating applicants for a personal loan.

Age: You must be at least 18 years of age to apply for a personal loan.

Employment status: Those who have a steady source of income, such as regular employment or self-employment.

Credit history: Your credit history and credit score are important factors in determining your eligibility for a personal loan. This can determine whether you will be granted a loan or not and can make you eligible for better terms.

I also took a loan, that too at low interest rates.

Let me explain to you the whole process moneyverss is one of the largest public sector companies in India and offers personal loans at competitive interest rates. Here are some general details and steps you might want to consider regarding your money versus personal loan:-

 Understanding Your Moneyverss Personal Loan:

 Interest Rates: Moneyverss typically offers personal loans at competitive interest rates, which can vary based on factors such as your credit score, income level, loan amount, and repayment tenure.

Loan Amount: Moneyverss offers personal loans ranging from a few thousand rupees to several lakhs, depending on your eligibility criteria and financial profile.

Repayment Tenure: You can choose a repayment tenure that suits your financial situation, typically ranging from 1 year to 5 years for personal loans. Longer tenures may result in lower monthly payments but higher overall interest costs.

Eligibility Criteria: Moneyvers's eligibility criteria for personal loans usually include factors such as age, income, employment status, credit score, and repayment capacity. Meeting these criteria increases your chances of approval and may qualify you for lower interest rates.

Eligibility Criteria: Moneyvers's eligibility criteria for personal loans usually include factors such as age, income, employment status, credit score, and repayment capacity. Meeting these criteria increases your chances of approval and may qualify you for lower interest rates.

Documentation: You would have had to submit various documents to support your loan application, such as identification proof, address proof, income proof (like salary slips or income tax returns), and bank statements.

Steps You Might Have Followed: Application: You would have applied for the personal loan through Moneyvers's online portal, mobile app, or by visiting a branch. The application process typically involves filling out forms, submitting documents, and providing details about your financial situation.

[hostpyters]

Bloom Institute of Technology, commonly referred to as BloomTech (formerly Lambda School), is an educational institution offering online bootcamps and training programs focused on preparing students for careers in tech. Below is a detailed review of BloomTech's features and functionalities:

Key Features

Curriculum and Programs:

Comprehensive Courses: BloomTech offers intensive, full-time and part-time programs in software engineering, data science, and other technology fields. The curriculum is designed to cover a wide range of essential skills and knowledge required in the tech industry. Project-Based Learning: The programs emphasize hands-on, project-based learning, allowing students to build real-world applications and develop a robust portfolio. Up-to-Date Content: The curriculum is regularly updated to reflect the latest industry trends and technologies, ensuring that students learn relevant and in-demand skills.

Instruction and Support:

Experienced Instructors: Courses are taught by experienced industry professionals who provide practical insights and mentorship. Student Support: BloomTech offers comprehensive student support, including live assistance, office hours, and peer collaboration to help students succeed. Career Services: The institution provides career support services, including resume reviews, interview preparation, job search assistance, and networking opportunities to help graduates secure employment.

Flexible Payment Options:

Income Share Agreement (ISA): BloomTech popularized the ISA model, where students pay a percentage of their income after securing a job that meets certain criteria. This model reduces the financial burden upfront and aligns the institution’s success with the student’s success. Upfront Payment: Students can also choose to pay tuition upfront, which may be more economical for those who can afford it.

Accessibility and Flexibility:

Online Learning: All courses are offered online, providing flexibility for students to learn from anywhere. The full-time and part-time options allow students to choose a schedule that fits their lifestyle. Self-Paced Options: While the main programs are cohort-based with set schedules, BloomTech also offers some self-paced learning options for students who need more flexibility. Community and Networking:

Collaborative Environment: Students are encouraged to collaborate with peers, fostering a strong sense of community and support. Alumni Network: Graduates become part of a growing alumni network, which can be a valuable resource for job placement and professional networking. Outcome Focused:

Job Placement Rates: BloomTech emphasizes job placement and career outcomes, with many programs designed to ensure that students are job-ready upon graduation. Industry Connections: The institution has connections with various tech companies and startups, facilitating potential job opportunities for graduates.

Pros Flexible Financing: The ISA model provides a low-risk financial option, reducing barriers to entry for students who might not afford traditional tuition fees. Comprehensive Support: Extensive student and career support services help maximize student success and job placement. Real-World Skills: Project-based learning and up-to-date curriculum ensure students gain practical, industry-relevant skills. Online Flexibility: The online format offers flexibility for students to learn from anywhere and at their own pace.

Cons Intensive Commitment: The bootcamp format can be very intensive, requiring significant time and effort, which may be challenging for some students. Variable Job Outcomes: While BloomTech focuses on job placement, outcomes can vary based on individual effort, market conditions, and geographic location. Cost: Despite flexible payment options, the overall cost can be high, particularly if the student does not secure a high-paying job immediately after graduation. ISA Model Risks: The ISA model, while beneficial in reducing upfront costs, can result in higher total payments over time if graduates secure high-paying jobs.

Bloom Institute of Technology (BloomTech) provides a robust and flexible educational pathway for individuals seeking careers in technology. With its comprehensive, up-to-date curriculum, project-based learning approach, and extensive support services, BloomTech equips students with the skills needed to succeed in the tech industry. The innovative financing options, particularly the ISA model, make the programs accessible to a broader range of students. However, the intensive nature of the programs and the variable job outcomes are important considerations. Overall, BloomTech is a strong option for motivated individuals looking to break into tech careers, particularly those who value flexible financing and a supportive learning environment.

[kaycatkit]

Fanfiction Writing Commissions (Open)

Hello, my name is Keith! I wanted to start saving up money for Christmas and a few personal things I need. Below, I have listed my AO3 account for examples, please let me know if you need something more specific and I can see what I have.

AO3 Account

0/5 Spots Filled

Before you continue on, read the rules!

Rules/Information:

- No NSFW for Warrior Cats. I won't do it, that's disgusting. If you thought about it then leave. This goes for any fandom that includes animals of some sort.

- I can write smut as long as it isn’t over the top. Smut writing is a bit new to me, so I can only write mild kinks for now.

- Certain ships aren’t allowed obviously. (Minor/Adult, Incest, Pseudo-Incest, etc)

- In the past, I’ve gotten bizarre requests, so I’m just going to state it here. I can do angst, whump, whatever, but I am not going to blatantly torture the characters in weird/strange ways. I’ve gotten insane shit, so no torture. Physically or mentally.

- Payment. You pay partial up front, half depending on the price, and the rest once I’ve finished and sent it to you. I take Cashapp only. That's all I have.

- I can and will drop your commission if I want/need to. I'm learning that I don't owe people anything, so... yeah. As long as you follow the rules and aren’t a dick then I won’t drop your commission.

- If I am unable to finish your commission for any reason, you will get a full refund for your upfront payment.

- I can do the fandoms I will list and your OCs. I just need information on them and their personalities.

Fandoms:

Banana Fish (Anime Only)

Blue Exorcist (Anime Only)

BNHA (Anime and Manga)

Buddy Daddies

Demon Slayer (I’ve only watched Season 1)

Encanto

FNAF Security Breach and Ruin

How To Train Your Dragon

Nimona

The Lion King (movies and series)

Voltron: Legendary Defender

Warrior Cats

Prices:

0 - 500 words - $5.00

501 - 1,000 words - $9.00

1,001 - 3,000 words - $11.00

3,001 - 5,000 words - $13.00

5,001 - 7,000 words - $15.00

7,001 - 9,000 words - $18.00

Commission application form:

https://docs.google.com/forms/d/e/1FAIpQLSe96m-xtzAjYnsyjesDBARKLAIdpaogLr005aQy1KN4EMNifA/viewform

[digitalworldvision]

Cyber Security Threat For Local Businesses

In this article learn the cyber security risks for Australian small businesses and how to protect your business future.

Australian local businesses face an ever-growing threat from cybercriminals. While many small business owners believe they're too insignificant to attract hackers, the reality is quite different. Cybercriminals often target smaller enterprises precisely because they tend to have weaker security measures in place. This blog post will explore the cyber dangers that small businesses in Australia may face and offer some practical advice on how to protect your livelihood.

The Growing Menace of Cyber Attacks

Why Small Businesses Are Targets

You might think your local shop or service isn't worth a hacker's time, but you'd be wrong. Cybercriminals often view small businesses as low-hanging fruit. Here's why:

1. Limited resources for cybersecurity

2. Less sophisticated defence systems

3. Valuable customer data

4. Potential gateway to larger partner companies

Common Cyber Threats to Watch Out For

Ransomware Blackcat Ransomware Gang.

Ransomware attacks have skyrocketed in recent years. These nasty pieces of software encrypt your data and demand payment for its release. For a small business, this can be devastating. Imagine losing access to your customer database or financial records overnight!

Phishing Scams

Phishing remains one of the most common ways cybercriminals gain access to your systems. They send seemingly legitimate emails that trick you or your staff into revealing sensitive information or downloading malware.

Data Breaches

Small businesses often store valuable customer data, making them prime targets for data breaches. A breach can result in hefty fines under Australian privacy laws and irreparable damage to your reputation.

Protecting Your Business from Cyber Threats

Essential Security Measures

1. **Use strong, unique passwords**: Implement a password policy that requires complex passwords and regular changes.

2. **Keep software updated**: Regularly update your operating systems, applications, and security software to patch vulnerabilities.

3. **Educate your staff**: Your employees are your first line of defence. Train them to recognise and report suspicious emails or activities.

Invest in Cybersecurity

While it might seem costly, investing in cybersecurity is far cheaper than dealing with the aftermath of an attack. Consider these steps:

1. **Install and maintain firewalls**: These act as a barrier between your internal network and external threats.

2. **Use encryption**: Encrypt sensitive data, especially if you store customer information.

3. **Implement multi-factor authentication**: This adds an extra layer of security beyond just passwords.

Create a Cybersecurity Plan

Don't wait for an attack to happen before you start thinking about cybersecurity. Develop a plan that includes:

1. Regular risk assessments

2. Incident response procedures

3. Data backup and recovery strategies

The Cost of Ignoring Cybersecurity

Failing to address cybersecurity can have dire consequences for your business:

1. Financial losses from theft or ransom payments

2. Damage to your reputation and loss of customer trust

3. Legal consequences for failing to protect customer data

4. Potential business closure due to inability to recover from an attack

Don't become another statistic in the growing list of small businesses crippled by cyber attacks. Take action today to protect your business, your customers, and your future.

Remember, in the digital age, cybersecurity isn't just an IT issue—it's a critical business concern that demands your attention and investment.

Kelly Hector creator of YouTube channel focused on cyber security risks and local marketing

[rideboomindia]

RideBoom: Celebrating Ongoing Achievements and Transforming the Ride-Hailing Industry

RideBoom with a blow torch in the on demand ride share industry.

RideBoom, a leading innovator in the ride-hailing industry, is proud to announce a series of significant achievements and advancements that are reshaping the way people experience transportation services. With a commitment to providing exceptional customer experiences and revolutionizing the ride-hailing landscape, RideBoom continues to solidify its position as a prominent player in the market.

Since its inception, RideBoom has been dedicated to offering reliable, convenient, and safe transportation solutions to riders across chandigarh , delhi , pune, Kolkata , agra. The company's ongoing achievements include:

1. Unparalleled Service Quality: RideBoom has garnered a reputation for its unwavering commitment to service excellence. By prioritizing customer satisfaction, RideBoom consistently goes above and beyond to ensure a seamless and enjoyable ride experience.

2. Advanced Technological Solutions: Riding the wave of technological innovation, RideBoom has embraced cutting-edge solutions to enhance its platform. With a user-friendly mobile application and robust backend systems, RideBoom offers a seamless booking process, real-time tracking, and secure payment options.

3. Driver Empowerment: RideBoom recognizes the importance of its driver community and strives to create a supportive and rewarding environment. By implementing driver-friendly policies, attractive earnings opportunities, and comprehensive training programs, RideBoom empowers its drivers to deliver exceptional service to riders.

4. Safety as a Top Priority: Safety remains at the forefront of RideBoom's operations. The company has implemented stringent safety measures, including driver background checks, vehicle inspections, and real-time monitoring, to ensure the well-being of both riders and drivers.

5. Expansion and Market Reach: RideBoom has experienced remarkable growth and expansion, extending its services to new cities and regions. By broadening its market reach, RideBoom aims to connect more riders with reliable transportation options while creating new income opportunities for drivers.

"We are thrilled to celebrate these ongoing achievements and the positive impact we are making in the ride-hailing industry," said Harminder Malhi know as Harry Malhi , founder at RideBoom. "Our dedicated team, combined with our commitment to innovation and customer satisfaction, has propelled us to new heights. We are excited to continue revolutionizing the way people travel and providing a truly exceptional ride-hailing experience."

RideBoom invites riders, drivers, and partners to experience the future of ride-hailing by visiting the website or downloading the RideBoom mobile app, available on iOS/Android.

About RideBoom

RideBoom is a leading ride-hailing company dedicated to transforming the transportation industry. With a focus on exceptional customer service, advanced technology, driver empowerment, and safety, RideBoom aims to provide a superior ride-hailing experience for both riders and drivers. RideBoom operates in multiple cities and regions, connecting people with reliable transportation options.

[xettle-technologies]

A Step-by-Step Guide to Setting Up a Micro ATM in Your Community

Micro ATMs are instrumental in enhancing financial inclusion by providing basic banking services in underserved areas. Setting up a Micro ATM in your community can significantly improve access to financial services and empower local businesses. Here’s a comprehensive guide on how to establish a Micro ATM:

1. Research and Planning

Before setting up a Micro ATM, conduct thorough research to understand the regulatory requirements, market demand, and infrastructure needs in your community. Identify potential locations where the demand for banking services is high but access to traditional banks is limited.

Key Considerations:

Regulatory Compliance: Ensure compliance with local regulations and licensing requirements for operating a Micro ATM.

Market Demand: Assess the demand for banking services and potential customer base in your community.

Infrastructure: Evaluate the availability of electricity, internet connectivity, and mobile network coverage in the chosen location.

2. Selecting a Micro ATM Provider

Choose a reputable Micro ATM provider that offers reliable devices, secure transaction processing, and technical support. Consider factors such as cost-effectiveness, ease of integration with existing banking networks, and customer service quality.

Criteria for Selecting a Provider:

Device Reliability: Ensure the Micro ATM device is robust, durable, and equipped with necessary security features (biometric authentication, PIN protection).

Transaction Fees: Compare transaction fees and operational costs associated with different providers to choose the most cost-effective option.

Technical Support: Opt for a provider that offers responsive technical support and maintenance services to minimize downtime.

3. Acquiring Necessary Permissions and Licenses

Obtain the required permissions and licenses from regulatory authorities to operate a Micro ATM in your community. This may include approvals from banking regulators, local authorities, and relevant government agencies.

Steps Involved:

Banking Partner: Establish a partnership with a licensed bank or financial institution that can provide backend support for transaction processing and settlement.

Local Authorities: Obtain permits or clearances from local authorities for installing and operating the Micro ATM at the chosen location.

4. Installation and Setup

Once you have selected a provider and secured necessary permissions, proceed with the installation and setup of the Micro ATM. Ensure proper installation to optimize functionality and security.

Installation Steps:

Location Selection: Choose a secure and accessible location with adequate foot traffic, such as near markets, community centers, or local shops.

Power Supply: Ensure continuous power supply for the Micro ATM through mains electricity or alternative power sources (e.g., solar panels in remote areas).

Connectivity: Establish reliable internet connectivity or mobile network coverage for seamless transaction processing.

5. Testing and Calibration

After installation, conduct thorough testing and calibration of the Micro ATM to ensure all functions are working correctly. Test transaction processing, biometric authentication (if applicable), receipt printing, and connectivity.

Testing Procedures:

Transaction Tests: Perform test transactions using different payment methods (cash withdrawal, deposit, fund transfer) to verify system reliability.

Security Checks: Test security features such as PIN protection, biometric verification, and data encryption to safeguard customer transactions.

User Interface: Evaluate the user interface for ease of use and clarity of instructions for customers conducting transactions.

6. Training and Awareness

Train local operators and users on how to use the Micro ATM effectively and securely. Conduct awareness campaigns to educate the community about the benefits of using the Micro ATM for banking transactions.

Training Components:

Operational Training: Train operators on operating procedures, troubleshooting common issues, and maintaining the Micro ATM.

Customer Education: Educate customers on how to use the Micro ATM for various transactions, security best practices, and the importance of banking formalization.

7. Launching and Promoting the Micro ATM

Officially launch the Micro ATM and promote its availability to the community. Use local channels such as community meetings, posters, and word-of-mouth to inform residents about the new banking service.

Promotional Strategies:

Community Outreach: Engage with local community leaders, businesses, and organizations to promote the benefits of using the Micro ATM.

Demonstrations: Conduct live demonstrations of the Micro ATM’s features and functionality to attract potential users and build trust.

Incentives: Offer promotional incentives such as reduced transaction fees or rewards for early adopters to encourage initial usage.

8. Monitoring and Maintenance

Regularly monitor the performance of the Micro ATM and address any technical or operational issues promptly. Implement routine maintenance and security updates to ensure optimal performance and reliability.

Monitoring Activities:

Transaction Monitoring: Track transaction volumes, types, and frequency to gauge usage patterns and customer preferences.

Maintenance Schedule: Schedule regular maintenance checks and software updates to keep the Micro ATM operating smoothly and securely.

Customer Feedback: Gather feedback from users to identify areas for improvement and enhance customer satisfaction.

Conclusion

Setting up a Micro ATM in your community can significantly enhance financial inclusion by providing accessible and affordable banking services to underserved populations. By following this step-by-step guide—from initial research and planning to installation, testing, training, and promotion—you can contribute to empowering local businesses and individuals through improved access to financial services. As Micro ATMs continue to evolve, their role in fostering economic development and financial empowerment in developing countries becomes increasingly pivotal.

[best-sap-mm-courses-in-hyderabad]

Home - Training - MM

Material Management(MM)

MM or Material management is one of the most important module. MM is widely used in almost all industries and the demand for skilled professionals is pretty good. MM application supports the inventory and procurement functions taking place in day to day business operations. It contains several important aspects like purchasing, goods receiving, inventory, material storage, planning and a lot more. The MM module at Avina Technologies is designed to provide in depth knowledge about the operations and tools used in the industry to make them relevant. Our module has made us one of the best MM training institutes in Hyderabad.

Why Choose Avina Technologies?

Avina Technologies is one of the leading MM training institutes in Hyderabad with a real time and placement focused course. It provides the students with the basic as well as the advanced level of MM and makes them industry relevant. The faculty is extremely knowledgeable and skilled and provide all the key skills required to procure a good job.

Training at Avina Technologies

Our faculty Mr. Raghu Sir has several years of experience in the MM training industry. Students learn extensively over a period of four months with regular classes. The content is planned to benefit the students from a job perspective and gives them all the necessary knowledge and skills. We provide soft copy of study materials, classroom notes and real time specifications to give the students a practical idea.

Placements at Avina Technologies

We provide a placement focused course to our students. With our training and guidance the students become ready for the industry. There is great demand across several industries for skilled MM professionals and our students have got placed in several companies and MNC's over the years. This is why we are considered to be one of the best MM training institutes in Hyderabad.

Benefits to the students

 Highly experienced and skilled faculty

 Flexible class timings

 Great guidance under experts and doubt solving

 Placement assistance

 Real life scenarios and projects to give the students hands in experience and knowledge.

Highlights

The MM module at Avina Technologies is great for Btech or BCA graduates with a good knowledge of programming and problem solving skills. The course can be chosen by anyone else as well. Over the years a lot of students have secured great jobs after completing training with us. We believe in quality teaching which makes us stand out from other institutes.

MM Material

CLICK HERE TO COURSE CONTENT 

FAQ'S

Q. What is MM and how is your course different from other institutes?

A. MM is the material management module in ERP. Our course is taught by a very experienced faculty with several years of industry experience. Great guidance and real-time training which is industry-oriented make us different from others in terms of quality. Our materials, notes and real-time specifications are the best you can get.

Q. How is the infrastructure?

A. Students get to learn on all the latest infrastructure and versions of MM to keep them up to date with what's being used in the industry.

Q. When can I access the course?

A. You can access the course according to your own will as it is available 24/7 for the students to use and learn.

Q. What is the benefit of doing this course?

A. The market has a great demand for skilled MM professionals across various industries. Learning from us, students become ready for the industry and can get hold of good jobs with proper knowledge and practical idea.

Q. What modes of payment are available?

A. All modes of payment viz. cash, cards, cheques, account transfer, etc are available to provide maximum ease to the students.