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loadingfriends899 · 2 years

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Barcode Generator Download Mac

Universal Product Code (UPC) is a barcode used extensively for retail packaging in the United States. This implies that each item has its UPC, and to make it available for electrical scanning for simplification of work, you can go for the use of barcodes. Following is the list of few of the best picked UPC generator software.

Download; Products; Experience the World Better Barcode & CD Label Software! Mac CD Label Maker The world's #1 CD/DVD Labeling Software for Mac, It lets you make great-looking CD and DVD labels, covers, jewel cases, case inserts with ease. Seamless integration with iPhoto and iTunes, as well as a large collection of backgrounds and label. Download ID Card Generator Software for Mac design multiple ID cards on Mac with option to print and send designed ID cards to the specified E-mail ID. Software is having various pre-defined templates to quickly design employee ID cards, student ID cards, visitor's ID cards and other different types of ID cards.

Barcode Generator Download Mac Free

Barcode Generator

Barcode Generator Softwareis an online software which converts the text or number you desire to a barcode. With this software, you get the flexibility to generate barcode in QR code, code bar, code 11, code 93, interleaved 2 of 5, standard 2 of 5 and many more supported barcode formats. You also get the flexibility to change the input parameter as text, hyperlink, phone number, email address, and vCard. You can also select the color combination, scale, and damage proof of the generated code.

Online Barcode Generator

Online barcode generator from Tec-IT is the online barcode generator with a very simple UI. The software demonstrates a utility called TBarCode SDK, which you can implement in your code to create the barcode. The software is capable of generating barcodes in the formats UPC, EAN, GS1 Databar, code-128, and QR code. You can integrate this software on your website with the only condition of displaying the software is from Tec-IT.

Free Barcode Generator

Free barcode generator from barcoding is free service to provide you barcodes. The freely developed code is not guaranteed by the developer and suggests you to make a small purchase if you are getting the barcodes for your business. The software supports almost all the barcode formats including code 128, data matrix, QR code, code 93 and EAN13 and EAN8. You can also select the output of the bar code, including PNG and JPG. Content

Zint Barcode Generator for Windows

Zint Barcode Scanner is the UPC generator software basically designed for Windows platform users. The software supports over 50 symbols including code 128, data matrix, USPS, OneCode, EAN 128, UPC, ITF, and QR code. The software is licensed under GNU public license. The software is developed on C and QT making it easier to integrate with your program. You can view or save the output in GIF, BMP, and PCX files.

Barcode Generator for Android

Barcode Generator is the software for generating UPC specifically designed for Android platform users. The software is free and contains no ads, for generating QR codes. With this software, you can create many different codes including QR code, data matrix Aztec code, code 39, code 128, EAN8 and EAN13. The software also has a support for code bar generation and pdf 417 generation.

iBarcoder for Mac

iBarcoder is the UPC generator software specifically designed for Mac platform users. The software allows you to create any number of barcodes and prints them as colorful barcode labels in your own style, of any size or shape. The software contains more than 25 2D and 1 D barcode symbols, DataMatrix and QR codes. The software is capable of exporting the result code in a very high resolution of up to 4800 dpi in PDF, EPS, BMP, JPEG and PNG formats.

Barcode Maker – Most Popular Software

Free Barcode Generator Download

Barcode Makerfrom iwinsoft is the most popular UPC generator software. The software is capable of producing up to 20 types of barcodes. The software has got a built-in label database with more than 800 labels, cards, and other media type templates. You can export any object to other application for use. The software supports many types of barcode symbolizes including DataMatrix, EAN 13, ISBN, ISSN, UPC, code 39 and code 128.

How to Install UPC Generator Software?

Many of the UPC generator software listed above offer a setup file, allowing an easy installation of the software. Few of the software in this category are web-based, giving you access from anywhere with just one requirement of internet connectivity. UPC generator software is basically designed for generating readable codes for your stocks, to allow stock checking digitally.

Barcode Pro Mac Free Download

While some software in this category offers free service for the basic need of generating barcodes, the number of codes and other features with the guarantee of code gets limited for the free version. If you are looking for fully featured software with a guaranteed code generator, the paid ones are for you. Each software offering some unique feature over others, it’s the question of personal preferences for selecting one of the best software listed here.

Barcode Producer For Mac

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premiumebooks · 2 years

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How to Start A Business From Scratch: 8 Steps 2022 Guide

We accomplish amazing things every day but in small steps. Our lives, families, careers, and worldviews are built-in bite-sized chunks that are manageable now but profound later on. It is the feeling that starting a business is too hard that many entrepreneurs see as their primary obstacle to financial independence. Building a business is essentially a process similar to starting your coffee maker or driving to work in the morning.

A small business is more like a series of steps than a never-ending staircase. Here are the eight steps how to start a small business at home.

1. Plan your business strategy

Your company's business plan is its living structure. There is an outline of strategies for generating revenue, marketing, hiring, profit margins, and competitive advantage. Your plan also allows you to communicate your vision to potential investors, financial advisers, and even new company managers.

2. Create a company

You can either employ professionals to form your business or handle each step individually. Companies that offer such services can also perform many of the following tasks. If you do not plan to work as a sole proprietor, who has different rules and is manageable more like freelancing, you should form a limited liability company. You can learn more about creating a business structure on the SBA website.

3. Obtain a Tax ID number

IRS uses TINs, which are required by small-business owners, to administer tax laws. Get it from the Social Security Administration (SSA) or Internal Revenue Service (IRS). As per IRS.gov, sole proprietorships and limited liability companies without employees don't need tax IDs. Employers require EINs. A business in the United States or the US territories can obtain an EIN online, but you will need to possess a TIN first.

4. Obtain a business license

Depending on where you operate your business, you may need a different license. Many states allow sole proprietors to conduct business without obtaining a business license. These are the types of services that a business-formation company can assist you with or even handle on your behalf.

5. Build a brand

Your brand is more than just a logo and some colors on your business cards. In addition to those things, the tone of the words you use in your marketing, images, graphics, and products also affect how customers or clients perceive you. Base all branding decisions on the emotional resonance of your business. Do not stray from the design you choose. Keep your messaging consistent.

6. Create a website

Business websites require more than due diligence in 2021. Essentially, it's integral to the business creation process, and it's nearly impossible to run an enterprise without it, much less achieve your growth and sales goals. You can create an effective landing page yourself or hire a freelancer to create a site before launching.

7. Establish a business bank account

You may think choosing a bank that does extra for small businesses is a bit strange when you're busy planning your small business ideas, but it's essential. Look for business checking accounts with low or no fees, small initial deposits, nearby ATMs, interest-earning accounts, and tools to help small businesses run more smoothly.

8. Developing a digital marketing strategy

Digital is the name of the game in this age of trends and everything new. A key component of digital marketing is collaborating with an influencer or creating a voice for social media. We recommend hiring social media marketers who are flexible and able to keep up with social trends. You can probably use it to handle all your digital marketing needs and even suggest ways for you to increase your customer base.

Here we discussed how to start a small business. The owners of small businesses dedicate their time and energy to growing. Getting into entrepreneurship is not necessary.

Source:- https://www.premiumebooks.xyz/2022/02/how-to-start-business-from-scratch-8.html

#how to start a small business #small business ideas

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fakedocshop · 2 years

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Fake PSD Templates

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englishblog444 · 3 years

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Blueprint Maker Free For Mac

This is the best free graphic design software for animators, illustrators and designers. It can be used for 3D animation, figure posing and rendering. The software represents a combination of various graphic design platforms, solutions and additions, such as Hexagon, Genesis 8 and Daz Studio. Try A Simple FloorPlan Maker For Free. Planner5D is a unique program for online 2D and 3D visual designs. To start with your plan, go to the website, click on the 'Create new project' tab and begin! The floor plan creator suggests choosing one of two ways to work.

The CM-10-100 crew makerExcel spreadsheet allows you to assign 10 employees to 100 daily jobs and is ideal for businesses that need to create job-specific work crews that may vary in composition from day-to-day.

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Related:Blueprint Maker Excel - House Blueprint Maker - Blueprint Maker Free - Blueprint Maker Microsoft - Chrome Blueprint Maker

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shirlleycoyle · 4 years

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The Vigilante Hunting Down Cheaters in Video Games

In May, some players in the popular competitive shooter Valorant seemed to have super powers. Every time they fired their guns, they hit their opponents right in the head, killing them quickly. They practically couldn't miss.

In some way, these players did have superpowers: they were using one of the most advanced cheats for Valorant, the five-on-five tactical first-person shooter made by Riot Games. The cheat was essentially a program that hacked the video game and subverted its rules by exploiting flaws in the game’s code. While Riot continues to fight cheaters across its games, that particular cheat is no longer available thanks to a vigilante who works around the clock to catch cheaters and their tools, reporting them to companies like Riot or Blizzard, the makers of Overwatch, another popular online shooter. He's not employed by any game developer, nor does he get paid for his work, but he does devote a great deal of his time and energy to stopping cheaters, and when he finds something, game developers listen.

His name is Mohamed Al-Sharifi but he’s best known as GamerDoc. This 24-year-old from London is becoming an important player in the seemingly never-ending and ever-escalating cat-and-mouse game between gaming companies against hackers and cheat developers. All online games today employ advanced anti-cheat systems that monitor gamers’ computers to see if they’re running any cheats. For Valorant, Riot Games developed the Vanguard system, which runs at the kernel level. This is an integral part of the operating system that manages almost every single thing a system does. It should be one of the most highly secure parts of any computer system, and which could completely compromise a user if accessed by a hacker. Riot has drawn criticism for Vanguard for this reason, with security experts saying it's too intrusive. But even a game with an advanced system like Vanguard has cheaters. The company banned more than 8,000 of them when the game was still in beta.

“No game is unhackable. No cheat is undetectable,” GamerDoc said in a phone interview. “It's just a matter of how and where.”

How and where depends on circumstances, but GamerDoc is often involved.

“I just hate cheaters in general. I think it's selfish to have all the fun for yourself.”

“We're always happy to receive information from people, especially if they have insight into cheating communities,” Paul Chamberlain, the anti-cheat lead for Riot’s Valorant, said in an emailed statement. “The information people like GamerDoc provides helps us accelerate our anti-cheat development and ultimately gets cheaters out of the game faster.”

Three sources at a gaming company who are involved in anti-cheat efforts, and who asked to remain anonymous because they were not authorized to speak to the press, said that GamerDoc has been very effective at hunting cheats and cheaters, leading to the cheats getting patched and the cheaters banned.

“His tips have helped us react faster to some cheats, which can easily send [the cheat developers] out of business,” said one of the employees.

Another one said GamerDoc has been “super helpful in finding cheats and reporting them to us.”

Blizzard did not respond to a request for comment.

“For the anti-cheat developers he's their volunteer scouter,” said a cheat developer who goes by the moniker sadko2. “He's built a community and added an extra layer of reporting. Players manually reporting somebody with proof of concept is kinda spoon-feeding the anti-cheat developers and real reverse engineers. So to conclude, he can do nothing by himself, all alone, but his strong community and manual reporting feature is definitely a big threat to cheat developers.”

GamerDoc admitted that he’s “made many enemies doing this.” At one point, GamerDoc said a group of them launched a now-deleted GoFundMe to raise money to hire an assassin to take him out. Another time, someone tried to get his old boss to reveal his home address. He said he also regularly receives death threats. And while he admitted that this kind of stuff affects him mentally, it won’t stop him from doing what he’s passionate about.

The logo of GamerDoc’s volunteer collective of cheater hunters. (Image: Mohamed “GamerDoc” Al-Sharifi)

GamerDoc started hunting cheat developers and users in 2018, when he created a Discord server called The O.W. Police Department to expose players in Overwatch who were "win trading." In this scheme, groups of players allow each other to win matches in order to artificially increase their ranking. The attention he got for this led to more players reporting cheaters.

“I started to look into these things, I started to ask for proof, I started to ask for video clips, and it just kept piling up,” GamerDoc said. “[I thought] this is like a huge disaster, there's too many people cheating in this game.”

His success there motivated him to do this regularly and go after not just individual cheaters, but the whole ecosystem. Cheating in games is a huge business that moves millions of dollars, as an investigation in PC Gamer revealed in 2014. Players who use cheats often get them from resellers who promote them on customer-facing websites. These sellers have direct relationships with cheat developers who reverse engineer game engines and develop what essentially are exploits which are worth thousands of dollars. This is the goliath GamerDoc is going up against.

“I’ve just been trying to find ways to break cheats and destroy cheating businesses and get justice for players,” GamerDoc said.

His motivations are simple: he thinks games are being “ruined” by cheaters, by “copy paste hackers who just try to earn a few quick bucks.”

“I just hate cheaters in general. I think it's selfish to have all the fun for yourself. People have a job they come home to enjoy a nice day of gaming, and for that to be ruined because of some kid who used his moms credit card to buy cheats just sucks,” GamerDoc said. “Not only that, there are people who even try to compete at a pro level with cheats ruining the competitive integrity for many who practice countless hours to be the best.”

Do you reverse engineer and develop cheats for games? Or do you work on anti-cheat engines? We’d love to hear from you. Using a non-work phone or computer, you can contact Lorenzo Franceschi-Bicchierai securely on Signal at +1 917 257 1382, lorenzofb on Wickr, OTR chat at [email protected], or email [email protected].

GamerDoc now runs two Discord servers, The O.W. Police Department and The Valorant Police Department, which have almost 3,000 and over 2,000 members respectively. In these channels, volunteer vigilantes post reports of alleged cheaters, sharing their in-game IDs, the date and time they were seen cheating, the region where they play in, and any evidence to support the claim, such as videos of the cheater. GamerDoc and other admins on the servers comb through the reports, review them, and send the ones that they deem accurate to Riot Games and Blizzard.

Especially since he was laid off at his day job due to the economic crisis triggered by COVID-19, GamerDoc said hunting cheaters has practically become a full time job for him. GameDoc declined to say whether he makes any money via bug bounty programs.

“I have somewhat of a reputation to maintain that I'm not sending false reports over, because it would suck for the player, and it would suck for everyone else, and I would lose credibility from the company.” GamerDoc said. “I don't want to waste their time.”

GamerDoc’s super power seems to be, put bluntly, that he gives a shit about stopping cheaters.

In order to find cheats and cheaters, GamerDoc also lurks on cheaters' forums and Discord channels, “gathering intelligence,” as he put it. Sometimes, that means socially engineering the cheat developers or sellers into providing him the cheat so he can pass the cheating app on to the anti-cheat teams at Riot Games, Blizzard, and other game studios. Other times, GamerDoc said that cheat developers get in touch with him to expose other cheats made by competitors in what is a big business where the best cheats can go for hundreds or even thousands of dollars.

“Cheating is pretty much like drugs. And there's like a whole hierarchy as well with these cheating businesses where you have the developer, you have the assistant developer, you have the sales manager, then you have the under sales manager, and then you have the resellers,” GamerDoc said. “Everyone does their part and makes money.”

GamerDoc doesn’t just disrupt cheaters by ratting them out to video game companies, he also names and shames them publicly on his Anti-Cheat Police Department Twitter account. Sometimes, GamerDoc publishes their names or gamer IDs so that other gamers can report them or stay away from them.

Since he started in 2018, he estimates that he has gotten between 50,000 and 70,000 cheaters banned across Overwatch and Valorant, counting both reports sent to his Discord channels, as well as ban waves triggered by him reporting popular cheats to the companies. Two sources who work at a gaming company said those numbers are feasible. But it’s also important to remember that after GamerDoc alerts the companies, the developers do their part of the job and look into the reports and determine whether they are accurate, which is crucial work.

“It's not always easy as a single person to fight versus what looks like a goliath but GamerDoc has people on his side, believing in his cause, and maybe one day big corporations will see that as well and put a better anti-cheat in their software,” said one of GamerDoc’s collaborators, who goes by the name of Hina.

For the future, GamerDoc said he is planning to launch a public website where gamers can send in reports for moderators to review them, send them to the gaming companies, and then publish a list of known cheaters.

As gamers who play popular online games like Call of Duty: Warzone complain about pervasive cheating, game studios are ramping up their efforts, designing better, more sophisticated anti-cheat systems. But they also employ some of the same techniques GamerDoc uses, monitoring and cultivating informants within the cheating community, according to two sources who work at a gaming company.

A meme made by GamerDoc to taunt cheaters. (Image: Mohamed “GamerDoc” Al-Sharifi)

In the case of the Valorant cheat, GamerDoc obtained the cheat and passed it on to Riot, which patched it and rendered the cheat useless. That particular cheat was made by a developer who calls himself Bukky. Bukky said he used to sell a subscription to the cheat—providing continuous support—for 15 euros a day, 70 euros a week, 150 euros a month, or 500 for life (around $17, $82, $177, and $590 respectively). Bukky said he had almost 10,000 users who purchased the subscription through his website Applecheats.cc.

Just like his cheat, Bukky’s website is now down. But Bukky denied ever getting caught by GamerDoc, and dismissed his work.

“He’s just an asshole that sends cheats loaders to Riot,” Bukky said in an online chat. “He’s nothing special.”

Sources involved in anti-cheat efforts, however, confirmed GamerDoc’s account of the story, suggesting Bukky is just trying to diminish GamerDoc’s accomplishments.

“Acquiring a key for the cheat, or a copy of the cheat or a memory dump of the game while the cheat is running are all things that GamerDoc has provided that have helped us detect a new cheat faster,” said an employee of a gaming company.

“I'm always happy when I'm banning a cheater or getting their stuff detected,” GamerDoc said.

Subscribe to our cybersecurity podcast, CYBER.

The Vigilante Hunting Down Cheaters in Video Games syndicated from https://triviaqaweb.wordpress.com/feed/

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saastrac · 4 years

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Niche Scraper Review 2020 – Best Product Scraping Tool

E-commerce sites have become a part of our society so much so in fact, that we can’t live without them. From a young human being to the adults, we all have become largely addicted to these sites, and this popularity has given birth to billions of e-commerce sites.

Yeah, you heard me right billions!

All these websites have the same key factor; I.e. to provide its users with goods, but unfortunately, not every one of them works. The reason is very simple engagement, the same reason for which you are reading this review.

Engagement is something that is longed by every person nowadays, regardless of what he/she is posting and where. It is the same with e-commerce websites. You have to provide your customers with something by which they get attracted to your website. Now, for an e-commerce website, what can you present that will bring you enough engagement?

Think! Come on. No? Fine, I’ll tell you. It is having the right product on your website.

People will visit your website if they find the right things or trending things in it. But how to find the right product or the trendiest product? Or How one should know about the trending products?

That’s where the product scraping tool comes in. A scraper tool is a tool, which searches all the other e-commerce websites available in the market for the products that are trending. Using it, a person can find the top-selling products or trending products in the world. Thus, they don’t have to worry about the products failing or not getting shipped.

It is a recipe that every winning e-commerce website uses, as they don’t want to take the risk of wasting their time on the products; that isn’t going to sell. I also support this and to be frank I think everybody should use it because in this world as someone wise once said – You should work smart, not hard.

If you ask me which software is the best I would go for, Niche Scraper. Why? Because it is more than just a scraping tool. You can do many things with it; for example, you can do store analysis, make ad videos, and much more.

Still not convinced?? Well, don’t worry, that’s why we are here. In this Niche Scraper review, I’ll tell you everything you need to know about it. So, you can choose the best software yourself.

What is Niche Scraper?

Niche Scraper is a product research and product scraper bot.

We know that e-commerce websites need winning products to be successful and, to do that you need, a product scraping tool. This tool is perfect for it and does the job well.

It searches 4 sites (Shopify, WooCommerce, Amazon, and eBay) for the most trending/winning products. It analyzes thousands of products each day to bring you the best of the best winning products.

Features –

Handpicked Winning Products –

This feature lets you spy on an e-commerce website of your choice. Suppose you want to find the winning products of your competitors or you have found a product online that you think might be good for your website, then you can use this feature of Niche Scraper and find out if it is a winning product or not.

Store Analysis –

Product Scraper –

No one doesn’t matter, an employee or a businessperson can search the whole Internet, and find the most winning products. You have to take the help of a tool to automate that process.

That’s where product scraper comes in. It scans the whole internet and finds the best winning products for you with additional data ( sales trend, growth, competition, etc.) attached to it. Plus, it also has filters, so that you can sort products, by date, niche, price, orders, etc.

Video Maker –

With this feature, you can create a video for your ad in just a few minutes. You don’t have time or lagging behind the schedule and can’t make ad videos for your products.

Then, this is for you. Just paste the link of your product on the bar, and that’s it. Using this, you can easily make videos, and it is also perfect for testing your ads. As you can make some sample ads, and see how they turn out and based on that act further.

However, a video created this way will be basic. And if you want to make it more interesting, you can use editing options available on the left side. You can customize your videos, add more effects, add music, text, and other things too.

Also Read –

Ecomhunt Review 2019: The Best Platform To Find Winning Products Everyday

How Does It Work?

To get started, you have to register on its website. And to do that, you have to click on the ‘Register’ button, which you can see in the top left corner of the window. After clicking on it, you will be directed to a page where they will ask you for your email, and password to create your free account.

Once you have created your free account, the page will refresh, and there will be an orange colour button in the middle saying ‘Start Product Research!’. Click on it, and you will get redirected to your dashboard.

Here you’ll see a search bar where you can search the products you have in mind. There are also filters available on top of the search bar for customizing your search result. And on the right side, you have your different features that this tool has to offer.

On the top left corner, you have your Upgrade, Tutorials, Account settings, Contact, and Affiliates button.

Upgrade –

Clicking on this button will show you the membership plan of the Niche Scraper tool. It has two plans one is called Pro Membership, which will set you back $39 per month, and another one is called Annual Pro Membership, which will cost you $199 per year.

Both the membership plans are the same and don’t have much difference. Except one thing, by opting for the annual plan, you can SAVE 60% on the final bill. You can also use our coupon code TRENDING18 to get 50% discount on both annual and monthly plan.

Hurry! Get The Annual Membership For $99 Only.

Tutorials –

This button will show you different tutorials that are available on this site, like how to use the tool, how to find winning products, etc. You can use these tutorials and learn about how to get started with the tool. Each tutorial video guides you on how to use this tool’s various features and the tool itself. You will learn many great things using this tutorial.

Account Settings –

Account settings have your general settings associated with your account. You can use it to change password, upgrade your membership (in case you haven’t or you want to change/cancel your plan), and logout. These are pretty standard stuff you find under all the sites.

Contact –

Clicking on this button will get you redirected to a page that has a contact form. Using this, you can contact the team behind Niche Scarper and resolved your issues or get your facts cleared. To contact them, you have to enter your name, email, subject, message, and then hit send.

Affiliates –

By clicking on this button, you get redirected to the affiliates page of this tool. There you will be asked whether you want to enroll in the Niche Scarper’s Affiliates programs or not. And you’ll be told how it works and what you’ll get.

When you click on the affiliates dashboard, you will arrive on a page where you can see all the things related to your affiliates program. It includes a summary, your affiliates URL ID, PayPal email, the amount of money you have earned, and much more.

It is a fairly well-organized dashboard and in my opinion, does a great job of summarizing all your affiliates’ activity.

Now on to the Affiliates Program;

Affiliates program is a type of performance-based marketing in which a person earns money when the links shared by them get clicked on. To put it in the toddler’s perspective, suppose a person has a link, and he/she shares the link on social media or anywhere on the internet, and let’s say I saw it and clicked on it to find out what it is. Then the money that person gets from me clicking on the provided link, that is called an affiliate program.

Affiliate is a huge business, and all the major companies use it to promote themselves or their products on the Internet. And it is highly rewarding too.

Pros and Cons Of Niche Scraper

Pros –

Provide huge data on winning products.

Can create a Facebook Ad Video.

Pricing is fairly reasonable.

Provide information about products that are trending on other platforms too.

User-friendly website.

Helpful tutorials.

Affiliates Program.

Cons –

No debit card payment option is available.

Number of product searches is limited in the Free account.

Only 2 membership options.

The Takeaway

Like any other thing in this universe, this tool also has it’s pros and cons. Everything eventually boils down to what you want in a product scraping tool. If you want to win in this field, you have to use tools, which works to your benefit.

In my opinion Niche Scraper is a great product and when you consider the price it is much better than some. I think you should give this tool a try.

If you want to share any other platform, please share it with us below in the comments section.

Originally Published on: SaaS Trac

About the Author :

SaasTrac is one of the trusted places where users can find reviews on different Saas Products, Software, and Platforms. Our major goal is to let users know the detailed and the most helpful information possible about every product — the good, the bad, and the ugly in the SaaS space.

#E-commerce Solution #E-commerce sites #Niche Scraper review #Niche Scraper tool #Niche Scraper #product scraping tool

0 notes

onlinemarketinghelp · 5 years

Photo

Best College Student Checking Accounts In 2019 https://ift.tt/2tTw8ec

Being a student doesn’t mean you have to go without the conveniences of a checking account because you believe fees will eat up all of your money. Banks are well aware that students often don’t have a lot of income or savings. They create checking accounts tailor-made for small balances and features students want. Banks are playing the long-game when it comes to students. While small student checking accounts aren’t money-makers, banks are betting that you’ll stay with them after graduation, when your income is much higher. In fact, research by Third Way found that college graduates will earn approximately $900,000 more than high school graduates. Students will find a lot of benefits to using a student-oriented checking account. These include no fees, easy access to ATMs, debit card, in some cases free checks, and a mobile app. Let’s look at a few top banks that are great for student checking accounts.

Featured Bank: Chase College Checking℠. These accounts are free and come with a debit card, and mobile access. Sign up here.

10 Best College Student Checking Accounts

1. Chase College Checking℠

2. BBVA ClearConnect Checking

3. Chime Free Checking

4. HSBC Choice Checking

5. Aspiration Summit Checking

6. Ally Bank Checking

7. Capital One 360 Checking

8. US Bank Student Checking

9. USAA Classic Checking

10. nbkc Bank Checking

The Best Free Checking Account Options

Based on that criteria above, here are our choices for the best free checking accounts available.

1. Chase College Checking℠

The Chase College Checking℠ account is one of the best checking accounts designed for students. Students between the ages of 17-24 don’t have to worry about maintenance fees. You can have the fee waived for up to fives years as a student. This account comes with a debit card, and you’ll have mobile access.

And right now, you can get up to a $100 bonus when you open a new account, enroll in paperless statements, and complete 10 qualifying transactions within 60 days! That's awesome!

Chase College Checking℠ has no monthly service fee for up to five years if you're a student between 17 and 24.

Why I Like It: A great account opening bonus for a student checking account, with one of the largest, most well known banks in the United States.

Learn more about Chase College Checking℠ here.

Chase Total Checking℠

Min Opening Deposit

$25

Min Balance Requirement

Monthly Fee

$6* (waived when requirements met)

Earns Interest

ATM Access

16,000 ATMs nationwide

Availability

AL, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, NC, NE, NH, NJ, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WV

Promotions

Up to a $100 bonus

Learn More

Get up to a $100 bonus!

2. BBVA ClearConnect Checking

BBVA ClearConnect Checking is a lesser known bank nationwide, but they do offer nationwide free checking! However, where BBVA really shines is in it's access to ATMs.

Furthermore, there is no real requirements to maintain free checking at BBVA. They do charge for paper statements (and it's opt-out), but once you opt-out, you don't have to worry about making enough direct deposits or having a minimum balance.

This isn't directly a college student checking account, but it's simply a great checking account option.

Why I Like It: Easy online banking without worrying about minimums.

Learn more about BBVA ClearConnect Checking here.

BBVA ClearConnect Checking

Min Opening Deposit

$25

Min Balance Requirement

Monthly Fee

Earns Interest

ATM Access

55,000 ATMs nationwide

Availability

Nationwide

Promotions

None

Learn More

3. Chime Free Checking

Chime was one of the original free mobile banking apps that revolutionized mobile banking. They started with a mobile-first mindset, and also wanted to keep fees as low as possible.

Chime really started it's focus on college students when it launched - being mobile first across the board.

As such, they have a top notching free checking account if you're okay with a mobile only platform. Chime has no physical locations, and all of their banking is done online - in the app.

Why I Like It: Free mobile banking.

Learn more about Chime Free Checking here. Check out our Chime Bank Review here.

Chime Free Checking

Min Opening Deposit

Min Balance Requirement

Monthly Fee

Earns Interest

0.01% APY

ATM Access

30,000 ATMs nationwide

Availability

Nationwide

Promotions

None

Learn More

4. HSBC Choice Checking

HSBC is another national bank that doesn't directly have a college checking product, but does have a great checking account that can make sense for college students.

They are very mobile friendly, and have a large network of ATMs.

As long as you maintain a minimum balance of $1,500 or have one direct deposit per month, you'll pay no monthly maintenance fees

Why I Like It: Nationwide, with easy ways to avoid monthly fees.

Learn more about HSBC Choice Checking here.

HSBC Choice Checking

Min Opening Deposit

Min Balance Requirement

Monthly Fee

$15* (waived when requirements met)

Earns Interest

N/A

ATM Access

Worldwide ATM network

Availability

Nationwide

Promotions

None

Learn More

5. Aspiration Summit Checking

Aspiration is an online bank that has been making headlines for not only paying a good interest rate on your money, but also by offering free ATM withdrawals as well.

This is another bank that isn't targeted towards college students directly, but offers a great product!

The Aspiration Summit Checking Account has no fees, and not ATM fees (even overseas). They also pay a solid interest on your money.

Why I Like It: Interest bearing and no ATM fees.

Learn more about Aspiration Summit Checking here.

Aspiration Summit Checking

Min Opening Deposit

Min Balance Requirement

Monthly Fee

Earns Interest

Up to 2.00% APY as of March 1, 2019

ATM Access

Unlimited via ATM fee reimbursement

Availability

Nationwide

Promotions

None

Learn More

6. Ally Bank Checking

Ally Bank is one of the most well-known internet only banks around, and they have a great free checking account that matches their brand. This isn't directly a student checking account, but it continues to show that you don't need a student branded account to have a great product.

They are known for solid customer service and great banking products. They have no monthly fee free checking, and a great mobile app that allows mobile check deposit.

Why I Like It: Well known free checking brand.

Learn more about Ally Bank Checking here.

Ally Bank Checking

Min Opening Deposit

Min Balance Requirement

Monthly Fee

Earns Interest

Up to 0.60% APY as of March 1, 2019

ATM Access

43,000 Free ATMs, Up To $10 In Reimbursement/Mo

Availability

Nationwide

Promotions

None

Learn More

7. Capital One 360 Checking

Capital One 360 Checking is another online banking giant that has been around for a long time. This is another long time free checking account that has a lot of popularity.

Capital One 360 Checking has several innovative features that you don't see at other banks. First, they have no foreign transaction fees if you use your ATM card overseas. Second, they have an overdraft option where you can basically opt for a personal loan instead.

Why I Like It: Solid online bank with innovative features.

Learn more about Capital One 360 Checking here.

Capital One 360 Checking

Min Opening Deposit

Min Balance Requirement

Monthly Fee

Earns Interest

Up to 1.00% APY as of March 1, 2019

ATM Access

39,000 Free ATMs

Availability

Nationwide

Promotions

None

Learn More

8. US Bank Student Checking

US Bank Student Checking offers the features you are probably getting familiar with by now.

The minimum deposit to open an account is $25. You’ll receive a Visa debit card to use for shopping and ATMs. If there is no U.S. Bank ATMs near you, the first four non-U.S. Bank ATMs are free per statement cycle.

You’ll also receive your first set of checks for free. A mobile app is included as well. There is a $2 monthly maintenance fee that can be waived by signing up for paperless statements.

Why I Like It: Free checking, nationwide availability.

Learn more about US Bank Student Checking here.

US Bank Student Checking

Min Opening Deposit

$25

Min Balance Requirement

Monthly Fee

$2* (waived when requirements met)

Earns Interest

N/A

ATM Access

Large network of nationwide ATMs

Availability

Nationwide

Promotions

None

Learn More

9. USAA Classic Checking

USAA Classic Checking is a great choice for free checking if you qualify to have a USAA Account. USAA limits membership to servicemembers and DOD employees and their families, so that could be a bar to entry for some.

USAA used to brand their checking as a student checking account, but now it's just it's same USAA Classic Checking with some special pages for college students.

If you do qualify for USAA, then their USAA Classic Checking is a great product, with no fee checking, free checks, online BillPay, and ATM free reimbursements.

Why I Like It: Free checking, free checks, great mobile app for those that qualify for USAA.

Learn more about USAA Classic Checking here.

USAA Classic Checking

Min Opening Deposit

$25

Min Balance Requirement

Monthly Fee

Earns Interest

Up to 0.01% APY as of December 18, 2018

ATM Access

Up To 10 Free ATM Withdrawals

Availability

Nationwide for USAA Members

Promotions

None

Learn More

10. nbkc Bank Checking

nbkc Bank Checking is a great free checking account if you're looking for a checking account that earns interest, has no minimum, and an easy to use mobile app.

This isn't a direct college student account, but it does have great options that make it on the list!

They offer truly free checking, and even offer free checks and a network of free ATMs. They also have mobile check deposit, which they offer for free.

Why I Like It: Free checking, free checks, and free mobile check deposit.

Learn more about nbkc Bank Checking here.

nbkc Bank Checking

Min Opening Deposit

Min Balance Requirement

Monthly Fee

Earns Interest

Up to 1.01% APY as of March 1, 2019

ATM Access

Network of 32,000 ATMs and up to $12/mo in reimbursements

Availability

Nationwide Online

Promotions

None

Learn More

What Students Need In A Checking Account

Students are typically new to the banking system. They might not have much income. They also might not have a job yet (for direct deposit), or have other accounts at the bank.

As such, they have unique requirements that we wanted to share, so that you can see how we based our criteria for the best student checking accounts.

In order to be one of the best student checking accounts, we put the following criteria in place:

No Monthly Maintenance Fees: This is a big one. All of the accounts we consider must not charge a monthly maintenance fee. Note, some of these accounts may convert after school, but this ranking is specific to college student checking accounts.

No Or Low Monthly Balance Required: You shouldn't have to have huge amounts of money to waive fees or qualify for a free checking account. We only look for banks that don't have a monthly minimum balance requirement or if they do, it's incredibly low.

No Direct Deposit Requirement: Many students don't have jobs yet, so it can be hard or impossible to get direct deposit. As such, we don't want banks to require direct deposit for free checking.

Awesome Online Access: The best free checking accounts will also have awesome online access, a great app or mobile site, and be accessible anywhere.

No ATM Fees: College students are on the move. They should be able to access their money for free, where ever they are.

Final Thoughts

These are the best free college student checking accounts right now.

You might also want to look at these key resources:

Best Free Checking Accounts

Best Online Banks

And remember, these accounts are usually only free while you're in college. At that point in time, some of these accounts will convert into other products, which may or may not charge fees. Plan accordingly!

The post Best College Student Checking Accounts In 2019 appeared first on The College Investor.

from The College Investor

Featured Bank: Chase College Checking℠. These accounts are free and come with a debit card, and mobile access. Sign up here.

10 Best College Student Checking Accounts

1. Chase College Checking℠

2. BBVA ClearConnect Checking

3. Chime Free Checking

4. HSBC Choice Checking

5. Aspiration Summit Checking

6. Ally Bank Checking

7. Capital One 360 Checking

8. US Bank Student Checking

9. USAA Classic Checking

10. nbkc Bank Checking

The Best Free Checking Account Options

Based on that criteria above, here are our choices for the best free checking accounts available.

1. Chase College Checking℠

And right now, you can get up to a $100 bonus when you open a new account, enroll in paperless statements, and complete 10 qualifying transactions within 60 days! That's awesome!

Chase College Checking℠ has no monthly service fee for up to five years if you're a student between 17 and 24.

Why I Like It: A great account opening bonus for a student checking account, with one of the largest, most well known banks in the United States.

Learn more about Chase College Checking℠ here.

Chase Total Checking℠

Min Opening Deposit

$25

Min Balance Requirement

Monthly Fee

$6* (waived when requirements met)

Earns Interest

ATM Access

16,000 ATMs nationwide

Availability

AL, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, NC, NE, NH, NJ, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WV

Promotions

Up to a $100 bonus

Learn More

Get up to a $100 bonus!

2. BBVA ClearConnect Checking

BBVA ClearConnect Checking is a lesser known bank nationwide, but they do offer nationwide free checking! However, where BBVA really shines is in it's access to ATMs.

This isn't directly a college student checking account, but it's simply a great checking account option.

Why I Like It: Easy online banking without worrying about minimums.

Learn more about BBVA ClearConnect Checking here.

BBVA ClearConnect Checking

Min Opening Deposit

$25

Min Balance Requirement

Monthly Fee

Earns Interest

ATM Access

55,000 ATMs nationwide

Availability

Nationwide

Promotions

None

Learn More

3. Chime Free Checking

Chime was one of the original free mobile banking apps that revolutionized mobile banking. They started with a mobile-first mindset, and also wanted to keep fees as low as possible.

Chime really started it's focus on college students when it launched - being mobile first across the board.

As such, they have a top notching free checking account if you're okay with a mobile only platform. Chime has no physical locations, and all of their banking is done online - in the app.

Why I Like It: Free mobile banking.

Learn more about Chime Free Checking here. Check out our Chime Bank Review here.

Chime Free Checking

Min Opening Deposit

Min Balance Requirement

Monthly Fee

Earns Interest

0.01% APY

ATM Access

30,000 ATMs nationwide

Availability

Nationwide

Promotions

None

Learn More

4. HSBC Choice Checking

HSBC is another national bank that doesn't directly have a college checking product, but does have a great checking account that can make sense for college students.

They are very mobile friendly, and have a large network of ATMs.

As long as you maintain a minimum balance of $1,500 or have one direct deposit per month, you'll pay no monthly maintenance fees

Why I Like It: Nationwide, with easy ways to avoid monthly fees.

Learn more about HSBC Choice Checking here.

HSBC Choice Checking

Min Opening Deposit

Min Balance Requirement

Monthly Fee

$15* (waived when requirements met)

Earns Interest

N/A

ATM Access

Worldwide ATM network

Availability

Nationwide

Promotions

None

Learn More

5. Aspiration Summit Checking

Aspiration is an online bank that has been making headlines for not only paying a good interest rate on your money, but also by offering free ATM withdrawals as well.

This is another bank that isn't targeted towards college students directly, but offers a great product!

The Aspiration Summit Checking Account has no fees, and not ATM fees (even overseas). They also pay a solid interest on your money.

Why I Like It: Interest bearing and no ATM fees.

Learn more about Aspiration Summit Checking here.

Aspiration Summit Checking

Min Opening Deposit

Min Balance Requirement

Monthly Fee

Earns Interest

Up to 2.00% APY as of March 1, 2019

ATM Access

Unlimited via ATM fee reimbursement

Availability

Nationwide

Promotions

None

Learn More

6. Ally Bank Checking

They are known for solid customer service and great banking products. They have no monthly fee free checking, and a great mobile app that allows mobile check deposit.

Why I Like It: Well known free checking brand.

Learn more about Ally Bank Checking here.

Ally Bank Checking

Min Opening Deposit

Min Balance Requirement

Monthly Fee

Earns Interest

Up to 0.60% APY as of March 1, 2019

ATM Access

43,000 Free ATMs, Up To $10 In Reimbursement/Mo

Availability

Nationwide

Promotions

None

Learn More

7. Capital One 360 Checking

Capital One 360 Checking is another online banking giant that has been around for a long time. This is another long time free checking account that has a lot of popularity.

Why I Like It: Solid online bank with innovative features.

Learn more about Capital One 360 Checking here.

Capital One 360 Checking

Min Opening Deposit

Min Balance Requirement

Monthly Fee

Earns Interest

Up to 1.00% APY as of March 1, 2019

ATM Access

39,000 Free ATMs

Availability

Nationwide

Promotions

None

Learn More

8. US Bank Student Checking

US Bank Student Checking offers the features you are probably getting familiar with by now.

You’ll also receive your first set of checks for free. A mobile app is included as well. There is a $2 monthly maintenance fee that can be waived by signing up for paperless statements.

Why I Like It: Free checking, nationwide availability.

Learn more about US Bank Student Checking here.

US Bank Student Checking

Min Opening Deposit

$25

Min Balance Requirement

Monthly Fee

$2* (waived when requirements met)

Earns Interest

N/A

ATM Access

Large network of nationwide ATMs

Availability

Nationwide

Promotions

None

Learn More

9. USAA Classic Checking

USAA used to brand their checking as a student checking account, but now it's just it's same USAA Classic Checking with some special pages for college students.

If you do qualify for USAA, then their USAA Classic Checking is a great product, with no fee checking, free checks, online BillPay, and ATM free reimbursements.

Why I Like It: Free checking, free checks, great mobile app for those that qualify for USAA.

Learn more about USAA Classic Checking here.

USAA Classic Checking

Min Opening Deposit

$25

Min Balance Requirement

Monthly Fee

Earns Interest

Up to 0.01% APY as of December 18, 2018

ATM Access

Up To 10 Free ATM Withdrawals

Availability

Nationwide for USAA Members

Promotions

None

Learn More

10. nbkc Bank Checking

nbkc Bank Checking is a great free checking account if you're looking for a checking account that earns interest, has no minimum, and an easy to use mobile app.

This isn't a direct college student account, but it does have great options that make it on the list!

They offer truly free checking, and even offer free checks and a network of free ATMs. They also have mobile check deposit, which they offer for free.

Why I Like It: Free checking, free checks, and free mobile check deposit.

Learn more about nbkc Bank Checking here.

nbkc Bank Checking

Min Opening Deposit

Min Balance Requirement

Monthly Fee

Earns Interest

Up to 1.01% APY as of March 1, 2019

ATM Access

Network of 32,000 ATMs and up to $12/mo in reimbursements

Availability

Nationwide Online

Promotions

None

Learn More

What Students Need In A Checking Account

Students are typically new to the banking system. They might not have much income. They also might not have a job yet (for direct deposit), or have other accounts at the bank.

As such, they have unique requirements that we wanted to share, so that you can see how we based our criteria for the best student checking accounts.

In order to be one of the best student checking accounts, we put the following criteria in place:

No Direct Deposit Requirement: Many students don't have jobs yet, so it can be hard or impossible to get direct deposit. As such, we don't want banks to require direct deposit for free checking.

Awesome Online Access: The best free checking accounts will also have awesome online access, a great app or mobile site, and be accessible anywhere.

No ATM Fees: College students are on the move. They should be able to access their money for free, where ever they are.

Final Thoughts

These are the best free college student checking accounts right now.

You might also want to look at these key resources:

Best Free Checking Accounts

Best Online Banks

The post Best College Student Checking Accounts In 2019 appeared first on The College Investor.

https://ift.tt/2Umodlh March 06, 2019 at 11:15AM https://ift.tt/2CaCQRr

0 notes

club21idsusa-blog · 5 years

Text

Create & Print Professional-Looking Fake ID Cards Online

Now designing and printing ID cards with fake identity is much easier and secure with various online apps, available on the internet! No legal issues, no risks, and no more spending a hefty amount of money! No matter if you require Fake ID for entering into a club function or want passes for an event, the fake green card with someone else’s identity or fake employee badges; with best mobile apps online, you can now design, create, customize, and print any kind of counterfeit identity cards quickly and securely.

Easy Steps To Create Fake Identity Cards

1) Visit the webpage of your favourite fake identity card maker or download mobile app! 2) Now choose a category or which type of ID card you want! 3) Now select either from the pre-made templates or start designing your card with a blank slate! 4) If required, customize the readymade templates for designing what you want to have! 5) Now add your picture and address or use someone else’s photo! 6) Customize the text and add whatever name and details you want and save it! 7) Choose your required number of ID cards, make payment, and place your order! 8) That’s it! You’ll get them delivered to your doorstep within a few hours or days!

Following these steps, you can design legal ID cards like Green Card, Identity Proof, Club Membership cards, and entry passes for all events in the US! To learn more about making a fake identification card or fake employee badges or to place your order.

Resource:- https://fakeid469109733.wordpress.com/2019/02/25/create-print-professional-looking-fake-id-cards-online/

#Fake ID

0 notes

savetopnow · 6 years

Text

2018-04-04 14 BUSINESS now

BUSINESS

Business Insider

The suspected shooter who opened fire at YouTube's offices heavily criticized the video platform online

THE POINT-OF-SALE APP MARKETPLACES REPORT: How payments firms are upgrading their service offerings to meet evolving merchant demands

Japanese 2-way sensation Shohei Ohtani hit his first career home run and his teammates gave him the silent treatment

Fintech could be bigger than ATMs, PayPal, and Bitcoin combined

The suspected YouTube shooter opened fire at the company's headquarters has reportedly been identified

Harvard Business Review

Make Work Engaging Again

How Fear Helps (and Hurts) Entrepreneurs

How Organic Wine Finally Caught On

Virtual Health Care Could Save the U.S. Billions Each Year

Simple Changes to Job Ads Can Help Recruit More Police Officers of Color

Inc

New Science Says Making a Great First Impression Comes Down To This 1 Thing (Clue: It's About Your First Word)

3 Easy Steps to Make Your Salespeople More Effective

Why You Should Always Embrace Change in Business, Even When It Hurts

YouTube Is the Latest Shooting Location: What Companies Must Do to Safeguard Employees Now

How Facebook CEO Mark Zuckerberg Got It Wrong Again (and Apple CEO Tim Cook Didn't)

New York Times Business

Advertising: Gothic or Helvetica? For Brands, Fonts Help Tell a Story

A Big Reason Wall Street Is Flocking to Spotify: DealBook Briefing

To Trump, It’s the ‘Amazon Washington Post.’ To Its Editor, That’s Baloney.

Metropolitan Diary: New Friends Upstairs

For Tesla, ‘Production Hell’ Looks Like the Reality of the Car Business

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Bed, Bath & Beyond will exchange Toys 'R' Us gift cards

Financing of buying out of a partner. Need Financing ideas.

How COBOL Became the Early Backbone of Federal Computing

How to drive leads to my website through youtube?

“I don’t f—ing care”: In wooing $67M from big alcohol, National Institute of Health nixed critical study - The NIH is facing mounting criticism & questions amid a series of reports outlining what appears to be an all-too-cozy relationship with the alcohol industry.

Reddit Startup

Need your advice

Looking for investors, many want to invest but they all want 51%

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ID verification checks for mobile application?

How quickly should you pivot?

The Economist Business and Finance

Gulliver’s most popular posts on the world of travel

Wakandanomics

America’s trade strategy has many risks and few upsides

Technology has upended the world’s advertising giants

Mexico switches on its government-run wholesale mobile network

Wall Street Journal Business

U.S. Details Tariffs on $50 Billion of China Imports

EPA Chief Echoes Car Makers on Plan to Scrap Fuel Standards

Spotify's Splashy Debut Pressures Banks

Three Wounded, Suspect Dead in Shooting at YouTube Headquarters

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The Latest: YouTube shooting suspect animal rights activist

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Japanese couple apologise for ignoring work pregnancy timetable by conceiving ‘before their turn’

Anti-Semitism Is Rising, But Trump Won’t Fill A State Department Job To Fight It

#business

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endenogatai · 5 years

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The Finalists for The Europas Awards for European tech startups is released

The The Europas Awards for European Tech Startups is coming, and today it releases its final shortlist after an intense round of public voting and judges’ delioberations. The awards will be held on 27 June 2019, in London, U.K. and TechCrunch is once more the exclusive media sponsor of the awards, alongside new “tech, culture & society” event creator The Pathfounder.

The awards cover 20 categories, including new additions such as cover AgTech / FoodTech, SpaceTech, GovTech and Mobility Tech. Attendees, nominees and winners will get discounts to TechCrunch Disrupt in Berlin, later this year.

The Europas Awards results are based on voting by expert judges and the industry itself. But key to the event itself is that there are no “off-limits areas” at The Europas, so attendees can mingle easily with VIPs. Grab your tickets here before prices go up!

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The awards this year will be in the setting of a garden lawn party, where you’ll be able to meet and mingle more easily, with free-flowing drinks and a wide-selection of street food (including vegetarian/vegan). If you’d like to talk about sponsoring or exhibiting, please contact [email protected]

Here are the finalists:

The Europas Awards — Hottest AgTech / FoodTech Startup Agricool: grows and produces fruits and vegetables inside shipping containers Allplants: Delicious, plant-based meals, delivered. Breedr: a productivity and marketing platform transforming the livestock supply-chain iFarm: Data-driven urban farming technology Small Robot Company: Building small robots to transform farming Ynsect: Designs, constructs and operates giant vertical farm of beetles (Molitors) to produce high grade proteins.

The Europas Awards — Hottest CleanTech Startup Asperitas: a clean-tech company focused on greening the datacentre industry Naefos: A fintech-IoT platform for enterprises to access off-grid households Bulb: affordable renewable energy for homes and businesses Orbital Systems: a Swedish clean-tech company that develops a water recycling technology to be used in domestic appliances Solar Foods: Produces an entirely new kind of nutrient-rich protein using only air and electricity as the main resources VoltStorage: Solar power storage for your home

The Europas Awards — Hottest CyberTech Startup UK Barac: Using AI and behavioural analytics to detect malware hidden within encrypted traffic without the need for decryption Cymulate: Breach and attack simulation UK Immersive Labs: A fully interactive, on-demand, and gamified cyber skills platform UK Panaseer: A continuous controls monitoring platform Passbase: a digital identity platform to streamline the identity verification process and enable identity ownership and reuse across different services PixelPin: a secure authentication system using pictures instead of passwords uBirch: Securing IoT data using blockchain

The Europas Awards — Hottest EdTech Startup Busuu: Online community for language learning Get My Grades: online learning platform for English, Maths and Science MyPocketSkill: Connecting teens to pocket money earning jobs Perlego: Textbook subscription service Pigzbe: Crypto-friendly, digital wallet for 6+ PitchMe: Skills-based talent marketplace Robo Wunderkind: developing modular and programmable robots to teach children robotics and coding Lirica: Learn languages with the power of music

The Europas Awards — Hottest FashTech Startup Bump: making commerce social Euveka: develops connected smart-mannequins, using custom software, to assist fashion, sports and medical professionals in the prototyping and sale of individual garments Heuritech: anticipating brand and product desirability through the eyes of millions of fashion influencers and consumers HUUB: a logistics and tech platform for Fashion brands Little Black Door: intelligent inventory platform that captures the value of your wardrobe and opens it up to a premium managed marketplace Metail: virtual fitting room service for fashion retailers that allows customers to create a 3D model of themselves and try on clothes Finda: Professional model booking platform

The Europas Awards — Hottest FinTech Startup Auquan: data science platform for financial services Curve: a platform allowing consolidation of all bank cards into a single smart card and app Cytora: Using AI to enable insurers to underwrite more efficiently Divido: a retail finance platform that allows companies to offer instant customer finance Holvi: digital banking for freelancers and entrepreneurs Monese: an online banking platform that offers quick current account opening for all EU residents Moonfare: a technology-enabled platform allowing individuals to invest in top-tier private equity funds Nuggets: Login, pay and verify ID without ever sharing or storing your data with anyone PremFina: White label software to manage insurance policies Yobota: cloud-based platform allows financial services to design and deploy financial products

The Europas Awards — Hottest GovTech, CivTech, PubTech, RegTech Adzuna: digital service that connects jobseekers with employers online and through job centres around the UK Apolitical Apolitical is a global policy insights platform and network helping governments and companies advance their work and business Clause Match: end-to-end solution for fully automating regulatory compliance Luminance: document analysis software to secure big data systems New Vector: decentralised, secure communication for governments, businesses and individuals novoville – novoville is a Citizen Engagement Platform, that bridges the gap between local governments and their citizens Safened: Digital KYC Solution SafeTeam: NHS community lone worker app

The Europas Awards — Hottest HealthTech Startup Ada Health: an AI-powered health platform BIOS, creating the open standard hardware and software interface between the human nervous system and AI eQuoo: evidence based mental health game for young adults Lumeon: providing care pathway management solutions to the healthcare industry Natural Cycles: a digital contraceptive app Pregenerate: “cartilage-on-a- chip” to accelerate drug development for arthritis Siilo: secure messenger app for medical teams Straight Teeth Direct: Direct to consumer teledentistry platform that connects users to online dentists globally enabling low cost at home teeth straightening

The Europas Awards — Hottest MadTech (MarTech or AdTech) Startup Codec: AI-powered audience intelligence for brands MeasureMatch: find, book, pay & rate independent consultants or consultancies to accelerate marketing, commerce & customer experience capabilities Ometria: a customer insight and marketing automation platform PlanSnap: a social planning platform that gets friends together StreetBees: Connecting brands with real people on the ground to gather real time insights Uberall: location marketing cloud Vidsy: helps brands create original mobile video ads at scale Waive: an intelligent trend spotting platform

The Europas Awards — Hottest Mobility Travel Tech Startup Culture Trip: inspiring people to explore the world’s culture and creativity daytrip: platform connecting independent travelers with local drivers Dott: scooter startup minicabit: an online minicab and taxi price comparison and booking service Snap Travel: on-demand coach service Trafi: Mobility solutions for connected cities Voi Scooters: owns, operates, and manages electric scooters for urban commuters Wejo: unlocks the value in car data to help create smarter, safer, better and greener journeys for drivers globally

The Europas Awards — Hottest PropTech Startup Casavo: market maker within the residential real estate market Good Monday: a digital office management system Habito: digital mortgage broker Home Made: property tech rental agent Hubble: online marketplace for office space Mews Systems: property management software for hospitality operations NPlan: machine learning – based risk analysis for construction projects Planner 5D: 3D home design tool using AI, VR & AR to create floorplans and interior design Reposit: tenancy deposit alternative Urban Jungle: A fully digital insurer, for a new generation of customers

The Europas Awards — Hottest Retail / ECommerce Tech Startup Festicket: marketplace to discover and book music festival tickets, accommodation, transfers and extras Keep Warranty: app that saves the warranties and purchase slips of your appliances NearSt: building the world’s source of real-time local inventory Picnic: online supermarket, that delivers groceries for the lowest price to people’s home Pimcore: digital experience platform to manage product information Spryker Systems: a commerce technology company store2be: Online marketplace for short-term retail and promotion space Trouva: curated marketplace for bricks and mortar independent shops

The Europas Awards — Hottest B2B / SaaS Startup Chattermill: Using deep learning to help organizations make sense of their customer experience Dixa: conversational customer engagement software that connects brands with customers through real-time communication Infobip: Full-stack Communications Platform as a Service (CPaaS) Meero: On demand photography service combined with image processing artificial intelligence Paddle: platform for all software companies to run and grow their business Peakon: a platform for measuring and improving employee engagement ProoV: a PoC platform that enables businesses to test new technologies SeedLegals: platform for all the legals startups need to grow and get funded TravelPerk: business travel booking & management platform for companies Unbabel: a ‘translation-as-a-service’ platform, powered by AI and a worldwide community of translators

The Europas Awards — Hottest SpaceTech Startup Aerial & Maritime: A Danish nanosatellite-based solution for monitoring aircrafts and maritime vessels Aerospacelab: Develops a constellation of micro-satellites for earth observation and imagery aXenic: Design, development and production of optical modulators for communications and sensing Global Surface Intelligence: Environmental data service Hawa Dawa: Combines proprietary IoT smart sensor data with other sources of data (including satellite data) to give highly accurate data on air quality Monolith: Machine Learning Platform that helps engineers to predict the outcome of unknown, new tests or simulations by reusing historical data Open Cosmos: Simple and affordable space missions Trik: Enterprise drone 3D mapping software for structural inspection Unseenlabs – Unseenlabs designs and develops a spectrum surveillance payload Xonaspace: Uses an XPS and LEO satellite constellation for extremely precise GPS systems

The Europas Awards — Hottest Tech for Good Startup Beam: help a homeless person for the long-term by funding their employment training eWaterpay: Using mobile technology for the accountable collection of user fees to pay for the maintenance of water supply systems forever Idka: a platform for private groups and organizations, where they can connect, communicate, share and store anything – while their privacy remains intact OmoLab: develops tools that make easier for people with dyslexia to read SafetoNet: an app that protects children online by using AI to detect harmful content, whilst respecting children’s privacy Tick. Done.: a micro-video platform for instant knowledge sharing Winnow: digital tools to help chefs run more profitable, sustainable kitchen

The Europas Awards — Hottest Blockchain Project Aeternity: a scalable blockchain platform that enables high-speed transacting, purely-functional smart contracts Argent: a smart wallet for cryptocurrencies and blockchain applications AZTEC Protocol: building privacy technology for public blockchain infrastructures Colendi: decentralized credit scoring protocol and microcredit platform with blockchain and machine learning technologies Edge ESports: blockchain-based platform for professional gamers FilmChain: blockchain enabled platform that collects data, verifies revenues and executes stakeholder payment splits for film, TV etc Orbs: a blockchain Infrastructure as a Service (IaaS) for large scale consumer applications Veratrak: a shared workspace for collaborating with your supply chain partners

The Europas Awards — Hottest Blockchain Investor BlueYard Capital Catagonia Capital Earlybird Venture Capital Fabric Ventures: A venture capital firm that invests in scalable decentralized networks FinLab KR1: crypto token Investment company supporting early stage decentralised and open source blockchain projects Mosaic Ventures Outlier Ventures: invests and partners with tokenised communities that will create the new decentralised economy

The Europas Awards — Hottest A/A+ Investors Accel Anthemis Group Atomico Balderton Capital DN Capital EQT Ventures Index Ventures Northzone Project A Ventures Ventech Capital

The Europas Awards — Hottest Early Stage / Accelerator Investors Founders Factory Seedcamp Forward Partners Generation S Entrepreneur First Techstars London The Family 7percent Ventures Backed VC Firstminute Capital LocalGlobe Episode 1 Ventures

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googlenewson · 5 years

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What causes a person to become radicalized?

This was the subject of a fascinating talk delivered by Tamar Mitts, an assistant professor of international and public affairs at Columbia University, at a “data science day” hosted by the school on Wednesday. Mitts studied the efficacy of Twitter-disseminated propaganda supporting the self-identified Islamic State, or ISIS, in 2015 and 2016. To avoid the “obvious ethical issues” which attend to subjecting humans analysts to ISIS propaganda, Mitts said she used machine learning algorithms to identify and sort messages and videos into various categories, such as whether they contained violence. Then she parsed her dataset to uncover trends.

Mitts’ results were a revelation. Even though people tend to associate ISIS propaganda with heinous acts of brutality--beheadings, murder, and the like--Mitts found that such violence was, more often than not, counterproductive to the group’s aims. “The most interesting and unexpected result was that when these messages were being coupled with extreme, violent imagery, these videos became ineffective,” Mitts said. In other words, the savagery for which ISIS became famous did not appeal to the majority of its followers; positive messaging found greater success.

There’s a caveat though: Anyone who was already extremely supportive of ISIS became even more fanatical after encountering a piece of propaganda featuring violence. So, while violent acts turned off newcomers and casual sympathizers, they nudged ideologues further down the path of radicalization. Extremism begets polarity.

In the wake of the Christchurch massacre, Mitts’ research gains even more relevance. Tech giants are continuing to fail to curb a scourge of violence and hate speech proliferating on their sites. World governments are, meanwhile, passing ham-fisted policies to stem the spread of such bile.

Perhaps Mitts’ discoveries could help society to avoid repeating history’s darkest moments. My appreciation for her work grew after I finished reading In the Garden of Beasts, a gripping journalistic endeavor by Erik Larson, which details the rise of Nazi Germany through the eyes of an American ambassador and his family living in Berlin. Afterward, I watched a YouTube video--an innocuous one--recommended by the author: Symphony of a Great City, a 1927 film that documented the daily life of ordinary Berliners at that time. It amazes me to think how, within a few years, these souls would come under the sway of Hitler’s bloodthirsty regime.

While the Internet makes zealotry easier than ever to incite, today’s tools also make it easier to study.

Robert Hackett

@rhhackett

[email protected]

Welcome to the Cyber Saturday edition of Data Sheet, Fortune’s daily tech newsletter. Fortune reporter Robert Hackett here. You may reach Robert Hackett via Twitter, Cryptocat, Jabber (see OTR fingerprint on my about.me), PGP encrypted email (see public key on my Keybase.io), Wickr, Signal, or however you (securely) prefer. Feedback welcome.

THREATS

Marred-a-Lago. The U.S. Secret Service apprehended a suspicious Chinese woman who attempted to enter President Donald Trump's Mar-a-Lago resort in Palm Beach, Florida. The woman, Yujing Zhang, was carrying four cellphones and a thumb drive infected with malware. One of the stories she spun: She said she was there to use the pool, though she had no swimsuit.

Verboten. German chemical giant Bayer said it contained a cyberespionage intrusion by suspected Chinese hackers. The company discovered the computer infection early last year and then quietly analyzed and monitored the intruders before booting them from the network last month. "There is no evidence of data theft," the company said.

Thrill of the chase. Jamie Dimon, CEO of JPMorgan Chase, highlighted the importance of digital security in his annual letter to shareholders this week. "The threat of cyber security may very well be the biggest threat to the U.S. financial system," he wrote. "[T]he financial system is interconnected, and adversaries are smart and relentless - so we must continue to be vigilant."

Show me the money. The city of Albany, New York, and iced tea-maker Arizona Beverages were recently hit with ransomware attacks. Norsk Hydro published a video featuring interviews with employees who grappled with a recent plant-crippling ransomware attack. And the Federal Bureau of Investigation said it had to change the way it conducted cyberattack investigations after wrestling with the SamSam ransomware campaign, which affected cities such as Atlanta and Newark.

Bezos vs. Saudis. Gavin De Becker, the investigator hired by Amazon CEO Jeff Bezos to find out who obtained private text messages and photos relating to his extramarital affair, said he has concluded that "the Saudis had access to Bezos' phone, and gained private information." A spokesperson for Saudi Arabia told CNN that the kingdom "categorically rejects all allegations that it is involved in any fashion in the apparent dispute."

The Russian equivalent of Jedi mind tricks: "combat parapsychology techniques."

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ACCESS GRANTED

Creepy crawlers. Meet Eva Galperin, a hacker-activist who studies commercial surveillance software, so-called stalkerware, as head of the Electronic Frontier Foundation's threat lab. Now Galperin is calling on Apple and antivirus companies to protect people from these privacy-infringing tools, as Wired's Andy Greenberg writes. More extremely, Galperin is asking government officials to prosecute executives at companies that sell this kind of software.

Over the last year, Eva Galperin says she's learned the signs: the survivors of domestic abuse who come to her describing how their tormentors seem to know everyone they've called, texted, and even what they discussed in their most private conversations. How their abusers seem to know where they've been and sometimes even turn up at those locations to menace them. How they flaunt photos mysteriously obtained from the victim's phone, sometimes using them for harassment or blackmail. And how none of the usual remedies to suspected hacking--changing passwords, setting up two-factor authentication--seem to help.

The reason those fixes don't work, in these cases, is because the abuser has deeply compromised the victim's phone itself. The stalker doesn't have to be a skilled hacker; they just need easily accessible consumer spyware and an opportunity to install it on their target's device. An entire industry of that so-called spouseware, or stalkerware, has grown in recent years, one that Galperin argues represents a deeply underestimated scourge of digital privacy.

FORTUNE RECON

A British Spy Agency's London HQ Operated in Secret for 66 Years. Turns Out, It Was Right Next Door. by Phil Boucher

Domestic Terrorism Is on the Rise. But How Prepared Is the U.S. to Counter It? by Natasha Bach

Proposed Law Would Require YouTube and Netflix to Do More to Protect Kids Online by Danielle Abril

If the Full Mueller Report Is Released, Here's What You'll Actually See by Renae Reints

Who Should Own Your Health Data? by Erika Fry

Mark Zuckerberg Has Made the Case Against a Fragmented Internet. Here's the Case for It. by David Mayer

How True Crime Podcast 'The Murder Squad' Will Crowdsource Investigations by Dan Reilly

ONE MORE THING

Xinjiang jail. In this chilling multimedia piece, The New York Times takes viewers inside Kashgar, a Chinese city that the Communist Party has effectively transformed into a gigantic prison. Residents are required to keep software on their phones that monitors calls and messages. They are forced to stop at checkpoints to have their faces and ID cards scanned. Surveillance cameras are ubiquitous and neighborhood watches grade people based on their "reliability." As the Times writes, this dystopia is "as much about intimidation as monitoring."

from Fortune http://bit.ly/2Ulj9l1

#World News

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payprosalaska · 5 years

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6 Ways to Measure the Success of Financial Wellness Efforts

Financial wellness programs, such as those that promote savings and teach household budgeting skills through online or group instruction, are proliferating as employers invest in efforts to help workers manage their finances. However, only 30 percent of employers measure the effectiveness of these offerings, according to a 2018 study of 657 employers conducted by Bank of America Merrill Lynch.

Without those measurements, employers may be missing out on opportunities to improve these benefits and may not even have a clear idea of what they want to achieve by offering them, such as reducing employees’ money-related stress so they can be more productive at work.

Finding the Right Metrics

The challenge in measuring such programs is defining what they mean for the organization. In terms of less employee stress, for instance, should employers focus on the financial return on the investment? Is financial wellness part of a larger strategy to enhance the organization’s brand in the view of current and prospective employees? Or is the focus on improving employees’ lives, whether or not that improves their job performance?

To help organizations answer these questions, benefits advisors recommend that employers focus on these six metrics.

1. Use and engagement.

Financial wellness programs won’t make much difference if employees aren’t using them. By relying on vendors’ data, employers can track the number of workers signing up for financial wellness offerings, completing tutorials and related activities, and taking measurable steps toward better financial management.

2. Benefits and payroll data—positive indicators.

Employers can use data from their employee benefits plans to check up on employees’ financial health. Increased enrollment in and contributions to retirement plans, automatic savings programs and health savings accounts (HSAs) can indicate that employees have extra money to save and invest for future needs.

The number of employees contributing the maximum to retirement plans and HSAs may indicate that financial wellness programs are having a positive effect, as can the number of employees taking advantage of employer-sponsored group life, disability and other safety net coverages.

3. Benefits and payroll data—negative indicators.

Payroll and 401(k) plan data on the number of outstanding 401(k) loans, the frequency of 401(k) hardship withdrawals and loan defaults, and the number of emergency or payday loans can help employers understand the level of financial hardship employees are experiencing. The number of, frequency of and reason for pay garnishments is also important. “People with manageable debt have fewer or no garnishments,” said Laurie Brednich, CEO of HR Company Store, a Chandler, Ariz.-based website that helps HR professionals find vendors. “If many of these garnishments are for medical expenses, perhaps a company needs to revisit their benefit plan designs.”

[SHRM members-only how-to guide: How to Design an Employee Benefits Program]

4. Turnover.

It is difficult to draw a straight line between employee retention and financial wellness, but that doesn’t mean employers shouldn’t try to track the connection between the two. “While no single wellness benefit drives retention, holistically, wellness benefits show your company cares—and that does drive retention,” said Carla Dearing, CEO of Sum180, a mobile financial wellness services provider based in Louisville, Ky.

5. Absenteeism, productivity and health care costs.

Lack of financial well-being can increase employees’ stress and on-the-job distraction. Data on disability and workers’ compensation claims, as well as on health benefits claims for stress-related illnesses, can help employers measure the results of financial wellness benefits.

Similarly, “tracking absenteeism rates over 18 to 24 months among program participants versus nonparticipants can give employers a sense of how a particular financial wellness program is working to reduce employee stress,” said Chris Whitlow, CEO of financial wellness platform Edukate in Orlando, Fla.

6. Front-line feedback.

Employees and front-line managers can tell HR whether and how workers are benefiting from financial wellness efforts—if HR asks. Employees and managers can also help organizations understand how those programs may not be resonating with the workforce. “[HR could] reach out to supervisors and ask how many people are requesting overtime consistently,” Brednich said. “Employees who frequently request overtime usually want the extra money to pay down debt.”

Employers can gather some of this data themselves, but they should also request data from financial wellness vendors and, as appropriate, from health and retirement benefits providers.

Source: Benefits and Beyond: Employer Perspectives on Financial Wellness, a Prudential Financial report. The fall 2017 survey received responses from 777 U.S. businesses with at least 100 full-time employees.

‘Holistic’ Offerings Yield Greater Value

“Even defining what is meant by financial well-being and what constitutes financial wellness initiatives can be challenging,” said Lori Lucas, president and CEO of the nonprofit Employee Benefit Research Institute (EBRI) in Washington, D.C.

Core features of a financial wellness program typically include help with managing credit card loans, budgeting tools and financial counseling. In a 2018 EBRI survey, employers cited plans as varied as employee discount programs, student loan repayment subsidies and emergency savings accounts as part of their arsenal of financial wellness initiatives.

Employers that offered holistic (meaning ongoing and multifaceted) financial wellness programs rather than periodic campaigns or one-time initiatives were more likely to try to raise employees’ appreciation of their benefits, according to EBRI’s Financial Wellbeing Employer Survey, which was conducted in July 2018 with responses from 250 full-time benefits decision-makers at companies with at least 500 employees.

Employers cited a wide range in costs for their financial wellness initiatives, with 43 percent reporting the annual cost per employee as $50 or less. But employers offering holistic programs spend more to achieve more, with 21 percent of these employers citing an average annual cost per employee of more than $500.

“Because employers are generally footing the cost for these programs themselves, they want to be able to demonstrate that the programs are effective,” Lucas said. “Once the pilot or one-off program is implemented, we’re hearing that the key is to demonstrate its success so that it can be made more broadly available.”

EBRI found that at 80 percent of the employers surveyed, an HR professional was either a primary or secondary champion of introducing financial wellness initiatives.

Joanne Sammer is a New Jersey-based business and financial writer. Stephen Miller, CEBS, contributed to this article.