While applying for a home loan, you have to arrange for the down payment amount first. Arranging for down payment can be easy if you look at it as a financial goal, say financial planners. Once you decide to accumulate the amount, you should be focused on the target, time on hand and your risk profile. “If you have more than five years on hand, you should consider investing in equity mutual funds or aggressive hybrid funds,” says Pankaj Mathpal, founder and CEO of Optima Money Managers. For shorter tenures, it is better to stick to fixed income options such as fixed deposits, recurring deposits and bond funds. While accounting for down payment you should also take into account consideration the inflation rate for three or five years, stamp duty and registration costs. … [Read more...] about Home loan application: How to improve the chances of approval
Improving customer service experience
“As we move further into this place where we’re using more machine learning and AI-enabled solutions, we’re going to get better at checking for certain things, like whether someone is actually a member of the crew team in high school,” says Rucker, referring to the recent university admissions scandal. “This information is typically publicly available on a website, which we could crawl for that,” he adds. “Of course, if we want to get into the area of data privacy, that’s a totally different topic.” … [Read more...] about Schools are using software to help pick who gets in. What could go wrong?
Gevers blames weak FR database security on a competitive marketplace, where a proof of concept is built and the product quickly marketed and sold. And though a government or company may learn from vulnerabilities, as time passes and people get promoted or leave their job, Gevers says the tendency is for organizations to forget what they learned about systems security. Which is why he would like to see cloud providers like AWS, Google, and Azure provide programmers with templates, such as are available from the Open Web Application Security Project, so that they can build safely and securely on those platforms. … [Read more...] about Due to weak oversight, we don’t really know how tech companies are using facial recognition data
The service was initially rolled out in Peru and offered in 10 countries, but Ersek said the arrangement has worked out so well that Amazon brought it to the United States, where financial access is still a problem for many consumers. “There are people in Tennessee, there are people in Nebraska, they really want to use cash payments or other tools,” Ersek said. “So, I think including everyone is extremely important.” … [Read more...] about Big banks vs. Big Tech: Citi’s president on the existential threat facing finance
One of the Reuters sources, Lori Stroud, formerly of NSA contractor Booz Allen Hamilton, was told in a briefing that Raven is the offensive, operational division of the UAE’s NESA (National Electronic Security Authority, now called the Signals Intelligence Agency), which is equivalent to the NSA. While Raven used Karma to spy on regional rivals like Qatar and Iran, it also reportedly used the malware to target UAE citizens who were openly critical of the monarchy. In an interesting turn, anonymous sources told the Intercept that operatives at Dark Matter had discussed hacking the publication’s staff after reporter Jenna McLaughlin had revealed in an Intercept story how the Maryland-based computer security firm CyberPoint had helped assemble a team of American spies and hacking tools for Project Raven. … [Read more...] about Inside the shadowy world of spyware makers that target activists and dissidents