09 April 2019

India’s Cashfree raises $5.5M from Korea’s Smilegate, Y Combinator and others


Cashfree, an India-based startup that specializes in making corporate banking services more accessible and easier to use, has closed a $5.5 million Series A round.

The deal is led by Smilegate Investment — the fund affiliated with Korean games firm Smilegate — with participation from Y Combinator, the U.S. accelerator program that Cashfree graduated from in 2017. The startup previously raised an undisclosed seed round from investors that include former UK Finance Minister George Osborne, and Vellayan Subbiah, who was previously managing director of Cholamandalam Investment, both of whom joined this new round.

Founded in 2015 by Reeju Datta and Akash Sinha, Cashfree started out as a payment gateway before it pivoted to tackle the more pertinent issue of moving money in India. Today, its service is used by more than 12,000 businesses to disperse bulk transfers for things like vendor payments, wages, reimbursements, refunds, and more. Those customers include recognizable names like Xiaomi, Tencent, Zomato, Cred, Club Factory, ExxonMobil and Dunzo, the concierge service backed by Google.

“While developing the payment gateway, we realized there are a lot of problems operating corporate bank accounts in India, especially when you have to handle a lot of transfers on a daily basis,” Datta told TechCrunch in an interview.

Cashfree helps its customers to connect their corporate banking services via a single interface. Aside from enabling disbursements to bank accounts, via India’s UPI system or to wallet accounts like Paytm, the system allows analysis, such as calculating top vendors, aggregate payouts and other business intelligence that would take hours of manual work using corporate bank services.

Datta said the company currently processes $4.5 billion annual recurring volume. That’s not take-home revenue — Cashfree makes its money on a per transaction basis — but he said it is profitable and has been since it graduated YC 18 months ago.

The current thesis is to work with banks rather than against them, Datta explained, but there’s always the potential that Cashfree itself might offer banking services. Right now, that isn’t possible — Datta said Cashfree will need to “wait for the regulatory climate to clear up” — but it isn’t beyond the scope of possibility that it could emerge as a challenger bank in the future. Beyond clearer regulation, “a couple more fundraises” might be necessary for that evolution, the Cashfree co-founder added.

Still, Cashfree will use this new money to double down on its banking services — those that attached to banks, that is — with a new solution with increased integrations set to ship to customers soon. It is also building up its presence in Delhi and Bombay, where it has begun hiring business development teams to expand its work.


Read Full Article

Watch Google Cloud Next developer conference live right here


If you can’t stop dreaming about NoSQL databases, Google’s Cloud Next conference is the closest thing to heaven that you’ll find today. At 9 AM PT, 12 PM ET, 5 PM GMT, some of the brightest minds in cloud computing are going to introduce the upcoming features of Google Cloud.

Along with Amazon Web Services and Microsoft Azure, Google is building the infrastructure of the web. Countless startups use Google Cloud as their only hosting provider. And there are now launching more and more specialized and niche services. So it’s going to be interesting to see what Google has in store to beat their competitors on the cloud front.

We’ll have a team on the ground covering all the announcements and explaining what it means.


Read Full Article

Travel activities platform Klook raises $225M led by SoftBank’s Vision Fund


We recently noted that SoftBank’s Vision Fund has stepped up its deal-making in Asia this year, and today it added a new company to its roster: travel services platform Klook.

Hong Kong-based Klook announced today that it has raised a $225 million round led by the Vision Fund with participation from existing investors. The deal — which is described as a “Series D plus” — comes just eight months after Klook announced its $200 million Series D at a valuation of over $1 billion. The company didn’t confirm what its new valuation is, but co-founder and president Eric Gnock Fah (second from right in the photo above) did confirm to TechCrunch that it has increased.

Klook was founded in 2014 and it serves as an activities platform for users who travel overseas. That covers areas like visits to adventure parks, scuba diving, more localized tours or basics such as train travel, food or airport transfers, all of which can be found, paid for and taken using Klook’s platform. Today, Klook claims to host 100,000 activities across over 270 destinations. Its team has grown to over 1,000 staff and it has 20 offices, including sites in Europe and the U.S. as well as, of course, on its home turf in Asia Pacific.

Its rivals include KKday, a Taiwan-based company backed by the likes of Alibaba and Line, and FunNow. Outside of Asia, there’s Peek, Headout, Voyagin, GetYourGuide, Culture Trip and even Airbnb’s ‘experiences’ feature. Still, Klook has raised considerably more than any of these competitors.

This new injection means that Klook has now raised $425 million to date. Its investors include Sequoia China, Matrix Partners, TCV, OurCrowd, Goldman Sachs, Boyu Capital, Technology Crossover Ventures (TCV) among others.

Gnock Fah said that Klook has maintained a dialogue with SoftBank “for a while.” The company only recently raised its Series D so didn’t need the additional capital, but he said that it was moved by SoftBank’s “bigger vision” and its potential role in the SoftBank “ecosystem.”

That, in particular, means opportunities to work with other Vision Fund-backed startups in Asia. Gnock Fah specifically name-checked ride-hailing firm Grab in Southeast Asia and hospitality company OYO, as well as e-commerce companies Coupang in Korea and Tokopedia in Southeast Asia.

“We don’t do point to point or on demand so it’s synergistic on both ends,” he said of potential tie-ins with Grab — which is already working with OYO — while he cited Klook’s ongoing work with Alibaba, which has relationships with Tokopedia and Lazada in Southeast Asia.

(From left to right) David Liu, Chief Product Officer; Bernie Xiong, Chief Technology Officer and Co-Founder; Anita Ngai, Chief Revenue Officer; Eric Gnock Fah, Chief Operating Officer and Co-Founder; Ethan Lin, Chief Executive Officer and Co-Founder (PRNewsfoto/Klook)

The new funds will be used to go after growth in Western markets, Gnock Fah explained, as well as increasing Klook’s efforts in Japan — where it has been ramping up ahead of the Summer Olympics in 2020, and now has the SoftBank connection.

“Now is the time to scale up the fundamentals we’ve built in Western regions,” Gnock Fah said in an interview. “We already have a team on the ground — fundamentals are built — now it is about investing more on the supply-demand side.”

That sounds like increased online advertising spend — I often wonder how handsomely Facebook and Google profit from Vision Fund investments — while in Japan the company is working to cater to more Japanese travelers heading overseas on trips as well as inbound tourism. SoftBank has launched a number of joint ventures with Vision Fund companies to bring their services to the Japanese market — Paytm, WeWork, OYO and Didi Chuxing immediately come to mind — but Gnock Fah said nothing definitive has been decided.

“We’re in a lot of conversations with their team about how to work closely with them,” he said, pointing out that — unlike those aforementioned examples — Klook already has a presence in Japan.

Whenever the Vision Fund has invested in Asia-based companies, I’ve asked the founders how they handle the fund’s links to the murder of journalist Jamal Khashoggi, an outspoken critic of the Saudi regime. Crown Prince Mohammad bin Salman is widely believed to have ordered the killing, and he runs Public Investment Fund (PIF), the main LP anchor behind the Vision Fund.

Clearly, based on an increase in deals in Asia this year, the link isn’t putting founders off.

Most founders of Vision Fund portfolio startups that TechCrunch spoke to have supplied fairly platitudinous comments or declined to say anything at all — you can read a collection of them here — but Gnock Fah suggested a new (and unique) perspective.

“Because it is a relatively new fund, there’s more spotlight” on the Vision Fund, he offered.

Klook declined to provide a further statement on the Vision Fund and the Khashoggi murder following our interview despite a request from TechCrunch.

“The new capital isn’t about capital per se — our economics are heath — but more for a strategic investment angle,” he said, getting back to more fundamental founder talking points.

The Vision Fund-led cash infusion does mean that Klook, which has been pretty candid about a potential IPO, is putting off plans for a liquidity exit further down the road.

“Right now, there is no fixed timeframe,” Gnock Fah said. “Back in the early days, we had that aspiration… back then, if we wanted to raise $300-400 million [then] IPO was the way to get that.”

“We believe Klook is a leader in taking a mobile-first approach to the travel activities and services industry. The company has seen great success in scaling its business across different geographies and cultures, and we are excited to help them drive further innovation in the global travel industry,” said SoftBank partner Lydia Jett in a statement.


Read Full Article

Snap Games Lets You Play Games on Snapchat


Snapchat has launched its own gaming platform. Called Snap Games, it allows Snapchat users to play games against their friends without ever leaving the app. Instead of ports of popular games, Snap Games is all about original titles from third-party developers.

Snapchat isn’t doing particularly well. It has been losing users to Instagram, and is losing money like it’s going out of fashion. So we can expect to see Snapchat launching lots of new features in the coming months, and it’s kicking off proceedings with Snap Games.

Snap Games Are Mobile Games Made for Friends

Snapchat describes Snap Games as “mobile games, made for friends”. Which is a pretty apt description. Snap Games are mobile games playable from within the Snapchat app. There’s no installation required, and they have all been built using HTML5.

You can access Snap Games by tapping the new rocket ship button in the Chat bar. Here, you can browse the available games, and start playing one with friends. You can send the friends you’re playing a Chat, or talk to them live using Voice Chat.

Snap Games is launching with six titles. These are:

  • Tiny Royale, a bite-sized battle royale game from Zynga.
  • Snake Squad, a team-based battle royale game from Game Closure.
  • C.A.T.S Drift Race, a racing game with an emphasis on drifting.
  • Zombie Rescue Squad, which sees you rescuing people from zombies.
  • Alphabear Hustle, a fast-paced word puzzle game from SpryFox.
  • Bitmoji Party, which features a series of Mario Party-style minigames.

While Snap Games will be free, Snapchat will make money by inserting 6-second ads into each title. As a reward for sitting through the ads, players will earn virtual currency which can then be spent in the games. Snap hasn’t ruled out other forms of monetization though.

Companies Are Jumping on the Gaming Bandwagon

Snap Games is rolling out to Snapchat right now. However, Snapchat isn’t the only company jumping on the mobile gaming bandwagon. In March 2019, Google announced Stadia, a cloud-based gaming platform which lets you stream games on multiple devices.

Read the full article: Snap Games Lets You Play Games on Snapchat


Read Full Article

No Sound on Your Computer? Try This When Your Speakers Don’t Work


You’ve booted your PC or brought it out of sleep mode. But for some reason, there’s no sound. You’re not greeted by the Windows chime when you sign in, or there’s no audio accompanying your videos.

So, what’s the problem? It could be an issue with the audio settings, or with the speakers themselves. If you’re using a headset, the issue might be with that.

Here’s how to fix the sound on your computer when your speakers stop working.

No Sound From Your Computer Speakers?

Using a PC without the sound is an odd experience; you won’t notice how important sound is until it’s gone.

You essentially lose a chunk of your PC experience, particularly jarring when watching videos, playing games, or listening to music.

So, what’s the answer?

Several things can be checked, from accidentally muted audio to defective speakers. You might even have a headset connected that you’ve forgotten about.

If a simple reboot doesn’t fix things, here are several possible issues, and a fix for each.

Have You Muted Audio?

One of the easiest ways to end up with no audio in Windows is to accidentally mute the sound.

This can happen easily by just hitting the wrong button or keyboard shortcut. It can even happen by lowering the system volume too much.

To unmute your audio, start by playing an audio or video file. This will help you spot the audio is working again.

Next, identify the mute button on your keyboard, and tap it. On a multimedia style keyboard, this will usually be along the top, alongside other playback controls.

Using a laptop? The mute function is typically found by pressing Fn and the corresponding F key.

Check the Speaker Jack

Next, check the speaker jack on your PC (a laptop will typically have its own audio).

Check the audio connector on your PC's sound card

Whether you’re using wired headphones or a set of speakers with your PC, they will be connected to the computer with a traditional 3.5mm jack. This should be connected to the audio out socket.

Correctly plugging the jack into the correct port is vital for getting some noise out of your computer. On older systems, a microphone port can be found beside the speaker/headphone socket. As such, it’s worth taking the time to make sure your speaker isn’t acting like a giant microphone!

Note: In modern systems, particularly laptops, microphones and headsets share the same multi-use port.

With desktop PCs equipped with sound cards that are not integrated with the motherboard, you should also check if this device is correctly seated. This will mean opening the case and identifying the soundcard, found in one of the PCI or PCI-e slots.

If the card is correctly attached to the motherboard, and its power LED appears when the PC is powered up, everything should be fine. However, if you have been using the front audio jack on your PC case, check this is internally attached to the sound card.

Still No Sound From Your Speakers? Check the Power!

Also, if you’re using external speakers, be sure to check that these are powered on. A small red or green LED should indicate that the speakers are receiving power. Check they’re connected to the mains electricity, too.

If everything is okay here and there is still no sound, it’s worth connecting the speakers to another device. This might be a different PC, or even a phone or tablet. Just as long as it has a suitable audio port, you should be able to connect your PC speakers or headphones.

Confirm HDMI Audio Is Selected

Some HD displays don’t support audio over an HDMI cable, even when the cable does. As such, there could be a scenario in which you’re using an HDMI display that won’t play audio.

The solution to this is to run an audio cable from the PC to the display, ensuring the audio jack is connected to the display’s audio in port.

You should also confirm in Windows that HDMI audio is selected. Do this by opening Settings (Windows key + I) > Ease of access > Audio > Change other sound settings and selecting the Playback tab.

If an HDMI audio device is connected to your PC, then you should see the option Digital Output Device (HDMI). Select this and at the bottom of the window, click Set Default.

Audio should now play to your HDMI TV.

Check Your Windows Audio Device Drivers

Made all the checks to your hardware and cabling, and still no sound from your computer speakers? Then it’s time to look at a software solution.

A Windows Update may have caused your sound card drivers to fail. The solution here is either to update your drivers or rollback to a previous setting.

Access your hardware via the Device Manager. Find this by right-clicking Start and selecting Device Manager. Expand Sound, video and game controllers then identify your audio device. This is typically Intel(R) Display Audio unless you have specialized audio hardware.

Right-click the device and select Update driver. The updated driver should then be installed. If not, use the Uninstall device option first, then Action > Scan for hardware changes to prompt for a new driver to be installed.

Set a new driver for your Windows sound issues

The same fix can be used to update USB drivers if you use a USB headset or USB sound card.

Could a Bluetooth Headset Be the Problem?

When a cable is plugged into your computer, it’s obvious that a device is connected. With Bluetooth, however, it’s easy to forget.

Select correct speakers in Windows 10

For example, I use Bluetooth headphones with my laptop. When I’m not using them, I don’t always remember to swap the playback device. The result is that audio is streamed to the headset, not my computer’s speakers.

So, if you use a Bluetooth headset, remember to switch off or disconnect the device from your computer when not in use. Also, take a moment to click the speaker icon in the system tray, and choose a different audio output.

Your Computer Speakers Just Aren’t Working

You’ve checked the mute and volume settings of your speakers and the integrity of the speaker jack. They’re powered up and correctly connected to your computer. You’ve even checked the device drivers and checked the speakers work on another device.

Made it this far and there’s still no audio? Well, it looks like it’s time to find some new speakers for your PC.

Sure, you could take the time to get your speakers repaired, but unless they’re top-end pieces of audio gold, it will probably be cheaper to just buy a new set.

Got Your Computer Sound Back?

By now, you should have got the audio working on your computer. Your speakers are blaring with the latest items in your iTunes library, a new movie trailer, or even a video game. Of course, speaker audio issues aren’t limited to Windows 10, so here’s how to fix common sound issues on macOS.

It’s unusual for speakers or headsets to fail, but it does happen from time to time. But if Windows sound problems are still causing a headache, it’s time to check our Windows 10 sound troubleshooting tips.

Image Credit: klyuchnikovart/Shutterstock

Read the full article: No Sound on Your Computer? Try This When Your Speakers Don’t Work


Read Full Article

You Can Now Choose When to Install Windows 10 Updates


Microsoft is changing the way Windows Update works on Windows 10. The changes mean that from now on all Windows 10 users will be able to ignore feature updates and delay monthly updates. This represents Microsoft putting users back in control of Windows 10.

Microsoft Changes Windows Update for the Better

Beginning with the Windows 10 May 2019 update, users will have more control over when and how Windows updates itself. Mike Fortin, a Corporate Vice President of Windows, explains the upcoming changes in a post on the Windows Blog.

Previously, Windows 10 would update automatically when Microsoft decided your device was ready, and there was very little users could do about it. Now, although Microsoft will notify you when a big update is available, it will be up to users to initiate it.

Feature updates will be available via the option to “Download and Install Now”. And unless and until you click that option, Windows 10 won’t install the update. The only caveat being Windows 10 will still update said update as current version nears its end of support.

You can still “Check for Updates” and Windows 10 will automatically download and install monthly updates. However, you can now pause these for up to 35 days (seven days at a time, up to five times). A feature previously only available to Windows 10 Pro users.

Microsoft Finally Starts Listening to Its Users

Microsoft isn’t particularly known for listening to its customers, but on this occasion the company has done just that. We’re guessing the amount of bad press generated by the issues caused when Windows 10 decided to update itself forced Microsoft’s hand.

In addition to these changes, Microsoft is also equipping Windows 10 with the ability to uninstall buggy updates. So, Windows 10 users will now be able to update Windows 10 when they want to, and the OS will remove any updates causing problems. Result!

Read the full article: You Can Now Choose When to Install Windows 10 Updates


Read Full Article

The Risks and Rewards of Renting Out Your Apartment on Airbnb


airbnb

The hotel industry is running scared. The reason? Airbnb, the company that allows homeowners to rent out their spare rooms and couches to travelers. The homeowners make money and travelers get a bed for the night, often at a lower cost than what a traditional hotel would charge.

Are you thinking about renting your spare rooms out on Airbnb? Here’s why you should, and also a cautionary note on why you should think twice.

The Risks of Renting Out on Airbnb

The Airbnb model is great for travelers, but what about for hosts? Here are three major considerations you need to take into account when you rent your space out on Airbnb.

1. You Might Get Evicted

If you own your home, this doesn’t apply to you. But if you rent? Pay attention. Subletting your place on Airbnb might get you evicted.

Remarkably, it happened to Airbnb’s poster child, Shell.

Much like Madonna was the face of Pepsi in the 80s, Shell was the face of Airbnb in New York. Her face had been plastered across subway adverts for the company, and she had appeared in video commercials, talking about her experiences with providing free accommodation for those displaced by Hurricane Sandy.

Shell’s apartment was a beautiful and spacious 1880s Dutch barn, located in hip and happening Stuyvesant, just on the outskirts of New York City. Her rent was $4,000 a month. And like many rentals, Shell’s lease expressly forbade her from subletting her apartment.

When her landlord caught wind of what she was up to, he was furious. “Friends are one thing,” he said. “Groups of social-networking strangers is a completely different ball of wax.”

Not long after, he gave her the boot. Shell had to find a new flat, and her loyal customers had to find somewhere else to stay when they were in town.

In another similar story, 72-year-old artist Eileen Hickey was evicted from her home in 2018 after hosting on Airbnb in a bid to pay her husband’s medical costs. Money reported that she was hit with a $185,000 fine; it was one of the highest penalties the city had ever seen.

2. You Might Break the Law

In some locales, Airbnb—much like Uber—operates in a sort of legal grey zone.

For example, according to the law, most apartment owners in New York cannot rent out their properties for less than 30 days unless they are living in the apartment at the same time. The law theoretically helps to ease the city’s already-acute housing problem; services like Airbnb have made short-term rentals more profitable for landlords than long-term leases.

And New York is far from being the only example. Other major global cities such as San Francisco, New Orleans, Barcelona, and Vancouver have all implemented similar measures.

In its official guidance for hosts, Airbnb outlines some commons laws and regulations that you could run afoul of in your city. They include business permits, housing standards, zoning rules, taxes, and housing association rules. Rules change between cities and countries; consult with your local authority if you need more information.

You could also land yourself in hot water if you rent out an Airbnb property while paying a mortgage on the same unit. Depending on your provider and location, you might be expressly forbidden from sub-letting your flat or house.

Finally, you need to consider your insurance provider. You might not be covered for lettings. As we’ll see shortly, despite recent initiatives, Airbnb doesn’t provide liability insurance for hosts, so you need to make sure you’re adequately covered for personal injury, negligence, and property damage claims made against you by members of the public using your property.

3. Someone Might Trash Your Apartment

When you rent out your apartment or spare room to a near-stranger, you’re making some very big assumptions. You’re assuming that the person you’ve entrusted your house will treat it with respect and that none of your belongings will be stolen.

And for the most part, that’s usually the case. There have only been a few notable exceptions of people having their homes turned upside-down. But when things do go bad, they go really bad, as San Franciscan Airbnb host Emily J found out back in 2011:

“Someone named Dj Pattrson (was it a guy? A girl? I still don’t know—but I have noticed much too late that the person misspelled their own last name) came into my home earlier this month (apparently with several others, according to witnesses) and set out on what I believe to be the carefully-planned theft and destruction of my home and my identity. With an entire week living in my apartment, Dj and friends had more than enough time to search through literally everything inside, to rifle through every document, every photo, every drawer, every storage container and every piece of clothing I own, essentially turning my world inside out, and leaving a disgusting mess behind.”

The immediate response of Airbnb left a lot to be desired. In a later blog post, Emily slammed the lack of support provided by Airbnb, and talked about how her life hadn’t gone back to normal.

“In the meantime, I am still displaced, bouncing between friends’ homes, clutching my pillow and what’s left of my normalcy. I spend my mornings recalling nightmares and breathing through panic attacks, and my afternoons scouring the city’s pawn shops in the vain hope that I might recover some of my stolen treasures. I do not feel anything close to safe.”

To the credit of Airbnb, in the years since this high-profile incident, they have released their Host Guarantee, which promises to protect all hosts from damage and theft to the tune of $1,000,000.

However, the guarantee does exclude some notable items—including cash and jewelry. And even you’re fully recompensated, you are still facing all the hassle of working through the process and restoring your property.

The Rewards of Renting Out on Airbnb

Despite the horror stories, there remain some compelling reasons why you might want to rent out your space to near-strangers on Airbnb.

1. Money, Money, Money

For many, Airbnb is their main source of income, with some charging upwards of $100 a night to rent out their spare room that would otherwise lie dormant. Entire homes can go for much, much more.

And if you have a bit of capital behind you, you can acquire enough properties to build a six-figure Airbnb business, as Bradley, the subject of this FastCompany article does.

“At 90 percent occupancy, Bradley can make about $4,000 per apartment on Airbnb. He pays about $2,000 of that in rent and utilities. That comes out to about $2,000 profit per apartment per month, or $24,000 each year. With six apartments, he could make up to $144,000 in a year.”

That’s more than the average wage of a software developer in Silicon Valley. And if you’re still not planning on living entirely off your Airbnb rental, you can still offset your bills, your rent, and your mortgage.

2. You Meet New People and Expand Your Horizons

This is something that rings true for both guests and hosts.

This summer, I spent three nights at an Airbnb booking in Brussels, Belgium. The room was far cheaper than most hotels in the city and I got to stay near the splendidly modern skyscraper headquarters of the European Commission.

My host for the weekend was a Japanese translator, working in the city. And mine wasn’t the only room that the host had rented out. Next door was a Spanish couple off to attend a rock concert in the nearby city of Leuven.

After leaving Brussels, I hopped on a train to Antwerp, where I stayed with a Belgian-Nepalese couple. Like my previous booking, other rooms in the property were booked. I met a Kyrgyz UN worker visiting friends in the city, as well as two film students from Los Angeles who had taken two months off for a European trip. It makes perfect sense for digital nomads too.

It’s highly unlikely I would have met these interesting people, had it not been for my choice of accommodation. And when you open up your home to strangers, you get a chance to meet people you otherwise wouldn’t have met.

Share Your Airbnb Hosting Experience

Are you an Airbnb host? Have you had any bad experiences? Good experiences? Make sure you share your Airbnb stories in the comments below.

If you would like to learn more, check out our comparison of Airbnb, VRBO, Homeaway, and hotels. And make sure you also check out our list of incredible Airbnbs that were used in films and TV shows.

Read the full article: The Risks and Rewards of Renting Out Your Apartment on Airbnb


Read Full Article

The 7 Best Online Cooking Guides for the Beginner Cook


Just like with any other skill, everything you need to learn about how to be a great cook can be found online. The best place to start is with quick and easy recipes which won’t overwhelm you and put you off the idea of ever setting foot in the kitchen again.

This list of easy online cooking guides is meant for the beginner cook. But it also won’t harm you to look at the advanced recipes on these sites if you are farther ahead in your cooking journey.

1. Epicurious: For Any Recipe You Can Think Of

Epicurious for the beginner cook.

Epicurious is one of the most popular websites for recipes across all cuisines. The Conde Nast website has an entire section dedicated to Quick & Easy Recipes. You can scroll down the list of recipes which is always kept fresh with new recipes every month.

Use the Advanced Search with the Quick and Easy filter to drill down to the dishes you can cook.

The exhaustive set of filters on this page are one of the best features of this site. You can find the recipe that suits you by including or excluding ingredients, mind your dietary concerns, and also filter it through the cooking technique you want to master.

Signing up for an account allows you to make notes, review and save the recipe to your list, and even print shopping lists for the recipes you want to make.

Beginner Tip: Watch the Epicurious Video Series and look at the videos that teach basic cooking skills and cooking how-tos.

2. Allrecipes: The Website for All Kinds of Cooks

Allrecipes: Easy recipes for beginner cooks.

Allrecipes needs no introduction. The mammoth cooking site is a great place for any beginner to start with its how-to articles and its quick and easy recipes (under its Everyday Cooking section). Registering for a free account allows you to save your favorite recipes, and to vote for the recipes that you liked the best.

You can find recipes with the ingredients you have in your refrigerator. The Menu Planner can help you stay on top of the week ahead. If you get confused with the sizes and volumes required, head to the Reference charts for the conversions.

Practice easy recipes for kitchen confidence. But if you want to accelerate your learning, look into the Allrecipes Cooking School that comes with a subscription of $7.50 per month.

Beginner Tip: You can personalize your homepage with the kind of recipes you want to cook.

3. Serious Eats: Learn the Science of Tasty Cooking

Serious Eats for the beginner cook.

The best feature of Serious Eats is that it doesn’t throw a recipe at your pan. It goes behind the science and technique of it. The recipes are tried and tested by the team behind the site and explained with the science of cooking techniques.

Browse through the Techniques section first to get an idea of the kitchen skills you should start working on. The techniques start with essentials and cover specific equipment.

The recipes are beautifully illustrated. Many basic recipes that teach beginner techniques are explained with a Why It Works section that is worth remembering.

Beginner Tip: Soaking beans in salted water helps them cook up more tender. Go through the Food Lab section on the site for lessons like these.

4. MyFridgeFood: Make a Dish With What You Have

MyFridgeFood: Cook with what you have.

There are a ton of recipes out there. But you don’t want to shop for the ingredients after a tiring day at the office. Launch MyFridgeFood and tell it what you have in your fridge. It could be something as simple as an apple, cheese, and flour. The site scours the web for the recipes which use this bare minimum.

Make the dish right now instead of putting it off for the future for want of the ingredients. As a cooking newbie, you can also have fun by mixing and matching the stuff you have in your kitchen.

Beginner Tip: You can also try apps like Plant Jammer and Discover Meals which work on the same idea.

5. Budget Bytes: For Easy and Cheap Recipes

Budget Bytes for the beginner cook.

We get it. You don’t have the time to devour the science behind each dish. Try Budget Bytes if you just want to get on with the cooking without spending too much.

Beth started the site because she was fed up of eating Ramen noodles every day. She wanted to spend less and enjoy more. Translate that, and it could read—easy and quick recipes.

The cooking site is perfect for beginners with its collection of over 1000 delicious and affordable recipes. You can experiment and burn food without breaking the bank. But why, when there are sections like Pantry Staples and Kitchen Basics to handhold you.

Beginner Tip: Go to Recipe Roundups for a few cooking shortcuts. Look at guides like the single-recipe meal prep ideas.

6. YouTube: An Ocean of Cooking Shows

YouTube follows Google Search as a popular search engine. And as a beginner cook, you already have been there. The only problem with YouTube is searching for the best cooking channels. There are so many of them that cover every type of creative cooking.

So instead of arguing which ones are the best, let me just point you to a tiny selection of seven that might be good for beginner cooks.

Beginner Tip: Did you know that you can search within YouTube videos too?

7. Salted TV: The Online Culinary School

YouTube cooking videos lack structure. Salted TV is a complete cooking school with video tutorials in hi-definition. You can cook from the comfort of your own home as 200 of America’s best chefs teach you their secrets. There are free videos, but the best content is behind a membership wall.

The $9.99/month subscription shouldn’t pinch you if you really want to improve your beginner skills.

Courses and skills are designed for all levels. For instance, as a beginner, learn how to shake a cocktail. An advanced skill class will teach you how to carbonate a liquid. The course is interactive. You can use the Chef Hotline to ask a question and the chefs will respond in 30 minutes.

Beginner Tip: Try the free video tutorials first to get a feel for this online culinary school.

Home Cook Your Way to Better Health

It’s not cool to hate cooking anymore. Lack of time to cook isn’t an excuse too with the many quick recipe sites and apps available today. It might seem overwhelming at first. So start with the basic recipes you enjoy eating. It can be as simple as a French omelet. or maybe, you would love to take on a creative culinary challenge and keep yourself motivated in the kitchen.

Read the full article: The 7 Best Online Cooking Guides for the Beginner Cook


Read Full Article

7 Windows Files and Folders You Can Delete to Free Up Space


delete-windows-files-space

Windows contains plenty of files and folders that you don’t really need. Between hidden caches, old files that waste space space, and files you can delete to actually solve problems, knowing what’s safe to remove can be challenging.

Let’s step through some Windows files and folders that are totally safe to remove and why you might want to erase them. Note that some of these folders are in protected locations, so take care when deleting them.

The Best Way to Clean Windows Folders: Disk Cleanup

Windows Disk Cleanup Tool

Before we look at several Windows files and folders that you can safely remove, you should know that manually deleting them isn’t the best way to go about it.

Aside from wasting time doing this yourself when you could automate the process, it’s safer to let the Disk Cleanup tool do these cleanings for you. This avoids accidentally deleting files that you need or messing with the wrong folders.

The Windows Disk Cleanup tool helps you reclaim disk space on your computer and is simple to use. You can open it by searching for Disk Cleanup in the Start Menu. Let it scan, and you’ll see several categories of files you can erase. For more options, choose Clean up system files to gain administrator permissions.

If you find this too old-school, you can browse to Settings > System > Storage to try Windows 10’s newer storage cleanup tool. Click Free up space now to use it.

Windows 10 Free Up Space Tool

What to Delete From Disk Cleanup

This isn’t a full guide to the Disk Cleanup tool, so we’re not going to look at every option it offers. However, the following several options are low-hanging fruit (make sure to select Clean up system files to see them all):

  • Windows Update Cleanup: This erases old copies of Windows Update files. These are safe to delete in most cases, but you should keep them for troubleshooting if you run into update-related issues.
  • Windows upgrade log files: Similarly, these are data files that Windows Update keeps to help you dig into problems around it. You can erase these if you haven’t had errors related to Windows update.
  • Language resource files: If you’ve previously downloaded another language or keyboard layout that you don’t use, this will let you easily erase it.
  • Recycle Bin: While you can empty the Recycle Bin through its window, you can also do it easily here.
  • Temporary files: As their name suggests, temporary files aren’t used for anything in the long-term, so you can erase them without worry.

1. The Hibernation File

Windows 10 Turn Hibernate Off

Location: C:\hiberfil.sys

Hibernation mode on your PC is similar to sleep mode, except the system saves all your open work to the hard drive and then shuts down. You can remove the battery from your laptop and stay in hibernation for a week, then start back up and be right where you left off.

Of course, this takes up space, which is what the hibernation file is for.

Depending on your hard drive size, the hibernation file is likely several gigabytes or more. If you don’t use hibernation and want to disable it, you can easily do so via the Command Prompt. Note that you shouldn’t just delete hiberfil.sys, as Windows will recreate it again.

Right-click on the Start Button to open the Power User menu, then open a Command Prompt (Admin) or Windows PowerShell (Admin) window. Type the following command to disable hibernation:

powercfg.exe /hibernate off

That’s all it takes to disable hibernation. Windows should delete hiberfil.sys on its own when you do this; feel free to delete it if not. Note that disabling hibernate mode will also prevent your computer from using fast startup on Windows 10. However, this isn’t much of a loss, as this feature is known to cause boot problems.

2. Windows Temp Folder

Windows Temp Folder

Location: C:\Windows\Temp

As you’d guess from the name, Windows temporary files aren’t important beyond their initial use. The files and folders inside contain info that Windows used at one time but doesn’t need anymore.

Aside from cleaning via Disk Cleanup. you can visit this folder and delete its contents by pressing Ctrl + A to select everything and then hit Delete. Windows might give you an error about a couple of items when you do this—just ignore those and clear everything else.

3. Recycle Bin

Location: shell:RecycleBinFolder

Technically, the Recycle Bin isn’t really a folder. And while it might be obvious to some, we’re including this in case some readers aren’t aware.

Whenever you delete a file on your system, Windows sends it to the Recycle Bin. This is a special place where deleted files are kept until you permanently delete or restore them. If you don’t remember to empty the bin regularly, there could be several gigabytes of old data still in there.

You can access the Recycle Bin through the shortcut on your desktop. If you don’t have one, type shell:RecycleBinFolder into the File Explorer’s navigation bar. Once here, you’ll see everything you’ve deleted recently.

You can right-click on individual items and choose Delete to permanently erase them or Restore to send the file back to its original location. On the Ribbon above, you’ll see buttons to Empty Recycle Bin and Restore all items.

To tweak the way the Recycle Bin works, click Recycle Bin Properties on the Ribbon. Here, you can change the maximum size of the bin, or select Don’t move files to the Recycle Bin.

Windows Recycle Bin

With this option, Windows skips the bin and permanently removes items when you delete them. We don’t recommend this because the Recycle Bin gives you a second chance in case of a mistake.

4. Windows.old Folder

Location: C:\Windows.old

Whenever you upgrade your version of Windows, the system keeps a copy of your old files called Windows.old. This folder essentially holds everything that made up your old installation, kept around in case something didn’t transfer correctly.

If necessary, you could use this folder to roll back to a previous version of Windows. You can also open the folder and grab a few stray files if you need.

Windows automatically removes this folder after a short time, but you can remove it yourself if you’re crunched for space. It won’t delete if you try to go through the File Explorer, so type Disk Cleanup into the Start Menu and launch the tool as described earlier.

Click Clean up system files at the bottom of the window and let the utility do another scan. Once that’s done, look for the Previous Windows installation(s) and delete it using this tool.

Obviously, removing these files makes it harder to recover data in case of an issue. After perming a Windows upgrade (even just to the latest version of Windows 10) we advise you to hold onto this folder until you’re sure everything is working properly.

5. Downloaded Program Files

Location: C:\Windows\Downloaded Program Files

This folder’s name is a bit confusing. It actually holds files used by Internet Explorer’s ActiveX controls and Java applets, so that if you use the same feature on a website you don’t have to download it twice.

In effect, this folder is useless. ActiveX is an extremely outdated technology that’s full of security holes, and Java is rarely used in today’s web. ActiveX is exclusive to Internet Explorer and you’ll probably only encounter it on ancient corporate websites now.

Most home users don’t use IE anymore, let alone ActiveX. Your Downloaded Program Files folder might already be empty, but feel free to clean out its contents if it’s not.

6. LiveKernelReports

Windows LiveKernelReports

Location: C:\Windows\LiveKernelReports

The LiveKernelReports folder is another directory which likely comes up when you’re scanning for large files on your computer. This folder is home to dump files, which are ongoing information logs that Windows keeps. If your computer runs into an issue, you can analyze the contents of these files to start troubleshooting your problem.

Any huge files ending with the DMP file extension in this folder are safe to delete. Like the above locations, we recommend using Disk Cleanup instead of deleting the file yourself.

When Windows crashes or you have other major computer problems, don’t delete these dump files right away. You can use a program like WhoCrashed to get more info from them.

7. Rempl Folder

Location: C:\Program Files\rempl

While the Rempl folder isn’t large, you might be surprised when you see it appear on your system. It contains several small files, and you might even notice a few Task Manager processes connected to it.

This folder is connected to Windows 10 update delivery. It includes “reliability improvements” to help make Windows 10 updates go smoothly and iron out compatibility issues.

So can you delete the Rempl folder? There are seemingly no adverse effects from doing so. However, since it only takes up a few megabytes and can make Windows upgrades less frustrating, it’s best to keep it around.

Which Windows Folders Do You Erase?

It takes a bit of looking around, but Windows holds plenty of files and folders that aren’t needed. Remember that your computer does a pretty good job of keeping itself clean, so you don’t have to obsessively remove the contents of these folders unless you’re really low on disk space.

Running the Disk Cleanup tool once or twice a month should do enough to keep the cruft away. You have bigger issues to worry about than micromanaging your PC’s temporary files. Speaking of which, check out great tools to automate repetitive Windows tasks.

Read the full article: 7 Windows Files and Folders You Can Delete to Free Up Space


Read Full Article

Human rights activist Amira Yahyaoui is battling the US college financial aid system


Tunisian human rights activist Amira Yahyaoui couldn’t go to college.

Not because she couldn’t afford it; where she comes from, college is virtually free. She lost the opportunity to pursue higher education, to finish high school, even, when she was exiled from Tunisia at age 17, under the repressive regime of the country’s former President, Zine El Abidine Ben Ali.

As part of the Tunisian human rights diaspora, she was inspired to build Al Bawsala, a globally renowned NGO that fights for government accountability, transparency and access to information. Now, Yahyaoui has traveled thousands of miles to San Francisco to fight another battle near and dear to her heart: civic education, or in Silicon Valley terms, edtech.

“I always knew that I wouldn’t allow myself to do anything else before solving the problem in my country and today, Tunisia is the only Arab democracy in the world,” Yahyaoui told TechCrunch.

With that in mind, her focus has shifted to Mos, a tech-enabled platform for students to apply for financial aid. With backing from Uber co-founder Garrett Camp, his startup studio Expa, Kleiner Perkins chairman John Doerr, Base Ventures, Sweet Capital and others, Mos has closed a $4 million seed round and plans to take its recently-launched product to the next level.

The startup seeks to decrease American student debt, which totaled nearly $1.6 trillion in 2018, and digitize the antiquated government systems that deter students from applying for financial aid. For a one-time fee of $149 and about 20 minutes of their time, Mos helps students of all backgrounds maximize their aid awards.

“Our mission is to bridge the gap between citizens and government in a way that works with technology today,” Yahyaoui said.

Yahyaoui is applying what she’s learned building a government-fighting NGO to the startup world, and with the support of top-tier investors, she’s well on her way to proving an “uneducated” immigrant woman of color can write a Silicon Valley success story for the masses.

A face of the Arab Spring

Mos founder and chief executive officer Amira Yahyaoui.

After being forced out of her home country, Yahyaoui fled to France, where she lived as an illegal immigrant and continued to fight against Tunisia’s authoritarian leadership through her blog and an anti-censorship campaign she started online.

When social media sparked anti-government protests across the Middle East, Yahyaoui, still unable to reenter Tunisia, became a face of what was later called the Arab Spring. Her digital prowess, activist reputation and persistent efforts to highlight the Tunisian administration’s human rights abuses quickly made her a face of the movement.

On January 14, 2011, when the protests succeeded in making Tunisia a pioneer of Arab democracy and ended Ben Ali’s reign, Yahyaoi got her passport back and went home, immediately.

Back in Tunisia with newfound freedom, she had an agenda: To hold the governing agency charged with writing a new Tunisian constitution accountable.

Yahyaoui built Al Bawsala, translated as The Compass, an NGO focused on transparency and government accountability. Al Bawsala became one of the largest NGOs in the Middle East, a bona fide success that attracted numerous awards and cemented Yahyaoui’s status as a fearless advocate for human rights, a freedom fighter and one of the most influential Arab women in the world.

“I had to work probably 10 times harder to get to be the self-educated me I am today,” she said. “I saw way too many people getting their education refused and therefore their future ruined.”

Her global standing earned her a seat on the board of the United Nation’s High Commissioner For Refugees Advisory Group on Gender, Forced Displacement, and Protection, as well as the title of Young Global Leader at the World Economic Forum and co-chair of the Davos Conference in 2016, a title she shard with Microsoft’s Satya Nadella and GM’s Mary Barra.

Three years later, with a resume enviable to any dignitary, Yahyaoui is leveraging her unique experience to lure in venture capitalists and use their cash for good.

Repairing a broken financial aid system

The Mos dashboard.

Mos is like if Turbo Tax married Typeform and had a baby, Yahyaoui explained. Not dissimilar to Common App, Mos lets students apply to more than 500 federal and state-based aid programs in minutes using a survey that matches them to every grant and scholarship program they qualify for, while simultaneously completing the FAFSA and state aid applications. To ensure every family is getting the most financial support possible, a Mos financial aid advisor reviews each case and negotiates with colleges for higher awards.

“Today, the biggest problem is people think they are not eligible for financial aid just because of how the thing is designed,” Yahyaoui said. “You’re supposed to just go ahead and fill a form that has 200 questions and then send it like a bottle in the sea and wait for months.”

Mos will complete a full-scale launch this summer and eventually tackle other nation’s college financial aid systems thanks to the new infusion of capital and the high-profile relationships Yahyaoui has forged in just one year living in the Bay Area.

Ultimately, it was Yahyaoui’s activism that granted her a ticket into the opaque world of Silicon Valley VC. As it turns out, angel investor Khaled Helioui, a fellow Tunisian immigrant who’d taken up residence in San Francisco, was familiar with Yahyaoui’s work and when he heard she had relocated to the Bay Area to launch a technology startup, he wanted to know exactly what she was building. Today, he’s a Mos investor and board member and it was his introductions that helped Yahyaoui quickly and skillfully close her seed round.

An early angel investor in Uber, Helioui connected Yahyaoui with his friend Garrett Camp, the very wealthy co-founder and chairman of the ride-hailing giant, who was sold on Mos’s mission right off the bat.

“I think because Garrett is an immigrant, he knows what it is to suffer with bureaucracy,” Yahyaoui said. “He was a huge believer. He actually made it so easy for me because he said, okay, here’s an office, just stay and work.”

Camp then introduced her to John Doerr, the chairman of the esteemed VC firm Kleiner Perkins, known for his successful bets on companies like Google and Amazon. With Camp and Doerr on board, Mos didn’t struggle to raise additional capital; in fact, Yahyaoui was in an unusual position of being able to reject investors whose values and vision for Mos clearly didn’t align with hers.

Tearing down barriers

Yahyaoui, center, with the Mos team in San Francisco.

Yahyaoui isn’t in the startup business to get rich off students trying to navigate their way through the absorbently expensive process of applying to and attending college. She’s part of a growing class of founders out to prove that you can pair profits with good morals and lead venture-backed values-based businesses.

“I know if I created the same thing as an NGO, I could have already raised $100 million, but I like the accountability of business,” she said. “We can create businesses that are good for people.”

Yahyaoui’s story, from being exiled from her home country at a young age to fighting an authoritarian regime is not one that’s ever been told before in Silicon Valley.

In addition to being a trailblazing human rights advocate, she’s a woman, an immigrant, “uneducated” by Silicon Valley standards and a first-time tech founder that was able to walk into a meeting with John Doerr and walk out with a term sheet.

If she’s successful in building a global edtech business, she’ll be emblematic of the meritocratic culture The Valley has falsely claimed to uphold. Even if she’s not successful, she’ll have torn down barriers for other underrepresented founders and written a success story fitting for this new era of accountability in tech.


Read Full Article

Democratic Senators question Juul about its Altria deal


Eleven democratic senators, led by Sen. Dick Durbin (D-IL), have penned a letter to Juul Labs, asking a series of questions around the product’s marketing, its effectiveness as a tool to help people quit smoking combustible cigarettes, sales figures, and perhaps most importantly, more information on the deal that gave Altria a minority stake in Juul Labs.

“The corporate marriage between two companies that have been the most prolific at marketing highly addictive nicotine products to children is alarming from a public health standpoint and demonstrates, yet again, that JUUL is more interested in padding its profit margins than protecting our nation’s children,” writes Sen. Durbin in the letter.

Questions in the letter include records around advertising and marketing spend for Juul products, as well as any changes that might have been made to Juul’s Youth Prevention Plan following the deal with Altria.

In late 2018, Juul announced that it had sold a 35 percent minority stake of the company to Altria Group, makers of Marlboro cigarettes, for $12.8 billion. The company said that a partnership with Altria would help Juul market and distribute to currently addicted adult cigarette smokers.

In the letter, the senators cite the American Heart Association, which called the Altria/Juul deal “a match made in tobacco heaven.” Juul was already in hot water over its product’s popularity among young people, so it’s only expected that a partnership with traditional Big Tobacco would further fuel concerns among critics.

More from the letter:

JUUL’s decision to team up with Altria, the parent company of Philip Morris USA, is also bad news for children considering that Altria has a long and sordid history of spending billions to entice children to smoke through targeted campaigns that intentionally lied about the science and health effects from cigarettes. And their efforts have clearly paid off. According to the CDC, Altria’s Marlboro cigarette continues to be the most popular cigarette brand among children in the United States, with 48.8 percent of high school smokers preferring Marlboro cigarettes. Further, the proportion of high school smokers who smoked Marlboro cigarettes increased dramatically between 2012 and 2016, by a whopping 27 percent. While JUUL has promised to address youth vaping through its modest voluntary efforts, by accepting $12.8 billion from Altria—a tobacco giant with such a disturbing record of deceptive marketing to hook children onto cigarettes—JUUL has lost what little remaining credibility the company had when it claimed to care about the public health.

A Juul Labs spokesperson had this to say in response to the letter:

We welcome the opportunity to share information regarding JUUL Labs’ commitment to curbing underage use of our products while fulfilling our mission to eliminate combustible cigarettes, the number one cause of preventable death in our country. We agree that companies such as ours must step up with meaningful measures to limit access and appeal of vapor products to young people. That’s exactly what we’ve done, and we will do more to combat teen use to save the harm-reduction opportunity for the 34 million adult smokers in the United States. Don’t take our word for it — look at our actions. As part of our action plan deployed in November 2018 to keep JUUL products out of the hands of youth, we stopped the sale of certain flavored JUULpods to traditional retail stores, strengthened our retail compliance and secret shopper program, enhanced our online age-verification, exited our Facebook and Instagram accounts and are continuously working to remove inappropriate third-party social media content. We support the FDA’s draft guidance restricting the sale of certain flavored products, including JUULpods, at retail outlets and online, and will continue to work with FDA, Congress, state Attorneys General, local municipalities, and community organizations as a transparent and responsible partner in combating underage use.

U.S. Senators Patty Murray (D-WA), Ron Wyden (D-OR), Sherrod Brown (D-OH), Richard Blumenthal (D-CT), Jack Reed (D-RI), Elizabeth Warren (D-MA), Tom Udall (D-NM), Ed Markey (D-MA), Jeff Merkley (D-OR), and Chris Van Hollen (D-MD) joined Sen. Durbin in sending the letter. It comes just a month after the FDA proposed further regulations to the sale of flavored e-cig products.

Juul has until April 25 to provide answers and information in response to the letter.


Read Full Article

To cut down on spam, Twitter cuts the number of accounts you can follow per day


Twitter just took another big step to help boot spammers off its platform: it’s cutting the number of accounts Twitter users can follow, from 1,000 per day to just 400. The idea with the new limits is that it helps prevent spammers from rapidly growing their networks by following then unfollowing Twitter accounts in a “bulk, aggressive or indiscriminate manner” – something that’s a violation of the Twitter Rules.

A number of services were recently banned from Twitter’s API for doing this same thing.

Several companies had been offering tools that allowed their customers to automatically follow a large number of users with little effort. This works as a growth tactic because some people will follow back out of courtesy, without realizing they’ve followed a bot.

The companies also offered tools to mass unfollow the Twitter accounts of those who didn’t return the favor by following the bot back. Other automated tools were often provided, as well –  like ones for creating those annoying auto-DMs, for example.

Twitter at the beginning of the year suspended a good handful of apps for violating its rules around “following and follow churn.” But booting the companies only addressed those that aimed profit by providing spammy automations as a service that others could use.

To really take on the spammers, the limits around how many people Twitter users can follow also had to be changed at the API level.

However, some people believe Twitter hasn’t gone far enough with today’s move.

In response to Twitter’s tweet about the new limits, several have responded to ask why the number “400” was chosen, as that still far more than a regular Twitter user would need to follow in a single day. Some users said it took years to get to the point of following hundreds of people. Meanwhile, the business use case for following 400 people is somewhat debatable, since DMs can be left open and companies can tweet a special URL to send customers to their inbox to continue a conversation – no following or unfollowing needed on either side.

While smaller businesses may still employ mass following techniques to attract customers, this at least puts more of a cap on those efforts.

These new limits and the spam dealer crackdown aren’t the only changes Twitter has taken in recent months to tackle the spam problem on its platform.

The company also updated its reporting tools to allow users to report spam, like fake accounts; and it introduced new security measures around account verification and sign-up, alongside other changes focused on more proactively identifying spammers. Last summer, Twitter also purged accounts it had previously locked for being spammy from people’s follower metrics.

Combined, the series of actions is designed to make spamming Twitter less attractive and considerably more difficult to scale. This impacts not only those who use spam for capital gain but also the new wave of fake news peddlers looking to topple democracies and disrupt elections – something that now has the U.S. government considering increased regulations for social media.

The short-term impact of these changes could be a drop in Twitter’s monthly user growth (a number Twitter recently stopped sharing), but it’s a bet on the long-term health of the platform instead.


Read Full Article

Partnering with Visa, emerging market lender Branch International raises $170 million


The San Francisco-based startup Branch International, which makes small personal loans in emerging markets, has raised $170 million and announced a partnership with Visa to offer virtual, pre-paid debit cards to Branch client networks in Africa, South-Asia, and Latin America. 

Branch—which has 150 employees in San Francisco, Lagos, Nairobi, Mexico City and Mumbai—makes loans starting at $2 to individuals in emerging and frontier markets. The company also uses an algorithmic model to determine credit worthiness, build credit profiles, and offer liquidity via mobile phones.

“We’ll use [the money] to deepen existing business in Africa. Later this year we’ll announce high-yield savings accounts…in Africa,” says Branch co-founder and chief executive Matt Flannery.

The $170 million round from Foundation Capital and its new debit card partner, Visa, will support Branch’s international expansion, which could include Brazil and Indonesia, according to Flannery. Branch launched in Mexico and India within the last year. In Africa, it offers its services in Kenya, Nigeria, and Tanzania.

A potential Branch customer

The Branch-Visa partnership will allow individuals to obtain virtual Visa accounts with which to create accounts on Branch’s app. This gives Branch larger reach in countries such as Nigeria — Africa’s most populous with 190 million people — where cards have factored more prominently than mobile money in connecting unbanked and underbanked populations to finance.

Founded in 2015, Branch started operating in Kenya, where mobile money payment products such as Safaricom’s M-Pesa (which does not require a card or bank account to use), have scaled significantly. M-Pesa now has 25 million users, according to sector stats released by the Communications Authority of Kenya. Branch has over 3 million customers, has processed 13 million loans, and disbursed over 350 million, according to company stats.

Branch has one of the most downloaded fintech apps in Africa, per Google Play app numbers combined for Nigeria and Kenya, according to Branch CEO Matt Flannery.

Already profitable, Branch International expects to reach $100 million in revenues this year, with roughly 70 percent of that generated in Africa, according to Flannery.

In addition to Visa and Foundation Capital the $170 Series C round included participation from Branch’s existing investors Andreessen Horowitz, Trinity Ventures, Formation 8, the IFC, CreditEase, and Victory Park, while adding new investors Greenspring, Foxhaven, and B Capital.

Branch last raised $70 million in 2018. The company’s overall VC haul and $100 million revenue peg register as pretty big numbers for a startup focused primarily on Africa. Pan-African e-commerce startup Jumia, who also announced its NYSE IPO last month, generated $140 million in revenue (without profitability) in 2018.

Startups building financial technologies for Africa’s 1.2 billion population have gained the attention of investors. As a sector, fintech (or financial inclusion) attracted 50 percent of the estimated $1.1 billion funding to African startups in 2018, according to Partech

Branch’s recent round and plans to add countries internationally also tracks a trend of fintech related products growing in Africa, then expanding outward. This includes M-Pesa, which generated big numbers in Kenya before operating in 10 countries around the world. Nigerian payments startup Paga announced its pending expansion in Asia and Mexico late last year. And payment services, such as Kenya’s SimbaPay, have also connected to global networks like China’s WeChat.


Read Full Article

08 April 2019

Too Much Talking


Too Much Talking

Sonos partners with Ikea and announces $99 speaker


Ikea and Sonos are partnering on a a new range of connected speakers that will be available in August 2019. The Symfonisk speakers aren’t just cheap Ikea speakers with a Sonos logo. You’ll be able to control the speakers from the Sonos app just like a normal Sonos product.

Ikea and Sonos showcased two different models for now — a bookshelf speaker that will cost $99 and a table lamp speaker that will retail for $179. They will available in black and white. The idea is to hide those speakers in shelves and lamps so that you’re surrounded by speakers without even noticing them.

You can use the bookshelf speaker horizontally or vertically. But you can also mount a speaker on an Ikea Kungfors rack. It can act as a standalone shelf if you want to put a plant or some decoration on top of it.

The table lamp is quite straightforward. This object combines both light and sound. It looks like an Amazon Echo Plus or an Apple HomePod with a lamp on top. If you live in a tiny apartment, you could save some valuable space by replacing two objects with one.

The best part is that those new speakers will integrate with other Sonos speakers just like any Sonos product. For instance, you can pair two speakers to create stereo separation or pair them with a Sonos Beam to create a good sound system for your TV.

If you wanted to add a Sonos speaker in your bathroom but didn’t want to spend $200 on a Sonos One, you could also consider a bookshelf speaker to hide in a corner. It might not be as powerful as a Sonos One, but customers will benefit from more options.

The Symfonisk line connects to your Wi-Fi network. This way, you can use the normal Sonos app, control music from Spotify’s app using Spotify Connect and send music to your speakers with AirPlay 2.

Today’s new speakers don’t have any microphone. So you won’t be able to control your music with Amazon Alexa directly.


Read Full Article

The 6 Best Cheap Smartwatches for Fitness and Notifications

What Is a Chromecast and How Does It Work?

How to Set Up Raspberry Pi as a Windows Thin Client


raspberry-pi-windows

Want to run Windows on your Raspberry Pi?

It’s not likely to happen any time soon, but that doesn’t make it completely impossible. With a Windows computer configured as a server, it’s possible to create a virtual desktop session and access this with your Raspberry Pi.

This is known as a thin client, and the Raspberry Pi is perfect for the job. Here’s how to access a remote Windows desktop using a Raspberry Pi thin client.

What Is a Thin Client?

Optimized for remote access to a central server hosting virtual desktops, a thin client is a low-spec machine. It might be an old PC, or a modern device running the minimum hardware.

Whereas a standard desktop does all the work of running an operating system and running software, a thin client relies on a server for the heavy lifting. All the lifting, in fact.

There’s a good chance that you’ve used a thin client without realising it. If you’ve ever worked with computers that connect to a Citrix server, then you’ve used a thin client (or a standard desktop acting as a thin client). You may also have used a thin client PC in your local library, or at college.

You’ll have noticed that a session on the remote server’s virtual desktop retains your settings and files between logons. It’s also a useful tool for hotdesking.

This project demonstrates how a Raspberry Pi can take the place of that “low-spec machine” and run as a thin client with a Windows PC as the server.

Raspberry Pi Windows Thin Client: What You’ll Need

To create a Raspberry Pi thin client that you can use to regularly access your Windows PC and run the apps on it, we’re going to show you how to install and use WTWare.

To get started, make sure you have the following:

  • Raspberry Pi 2 or later (we’ve used a Raspberry Pi 3B+ for the best results)
  • A formatted, blank microSD card
  • Windows computer
  • A monitor, keyboard, and mouse for your Raspberry Pi
  • Reliable power supply
  • A computer running Windows 10 Pro (or earlier version supporting terminal services) or Windows Server 2016

You’ll also need the WTWare software, which you should download from winterminal.com. This is an evaluation copy (the full version will set you back $40) and as such the “Evaluation Copy” legend will appear along the side of the screen.

More About WTWare

WTWare is a thin client operating system for the Raspberry Pi. Once installed, you should be able to enjoy a Windows Terminal Server experience, with desktop apps running in a persistent session.

Optimized for network boot, WTWare supports booting from local media for Raspberry Pi, and works with common RDP servers. WTWare also offers support to local hardware, such as printers, and smartcard authenticators.

The key to this (and any thin client/server setup) is the storing of user data on the Windows server. Settings, programs, and saved data is stored on the server, ready to be accessed in subsequent sessions.

WTWare can be configured to boot your Raspberry Pi from the microSD card, or by the network, thanks to the Raspberry Pi’s Preboot Execution Environment (PXE) support.

Installing WTWare in Windows and on Raspberry Pi

Once the WTWare installer has been downloaded, double-click to install on Windows. Once this is done, insert your Raspberry Pi’s microSD card into your Windows PC. This should have been formatted already using the SD Card Formatter from the SD Foundation.

To do this, download and run the SD Card Formatter. Select the microSD card (it should be automatically detected) under Select card, then ensure Quick format is selected.

Additionally, check the CHS format size adjustment box. When you’ve done this click Format and wait for the process to complete.

Format your Raspberry Pi's microSD card

Next, run the WTWare Configurator from the Start menu, selecting the SD boot card for Raspberry Pi menu option. Ensure the correct disk letter for the SD card is selected, then click Next.

WTWare Configurator for Raspberry Pi

In the following screen, select the type of thin client you want your Raspberry Pi to be. Two choices are available:

Local boot: The thin client operating system files are booted from the SD card.

Network boot: This configures the SD card for network boot on the Raspberry Pi 2 and Raspberry Pi 3. There is also an option for configuring a single boot from SD card to program the Raspberry Pi 3 to subsequently boot without it.

Select your network connection in WTWare

The simplest option at this stage is to use Local boot. Once you’re more familiar with the setup, progress to Network boot.

Configure Your Thin Client’s Network Settings

Click Next to move to the Network tab and choose between a DHCP server-assigned IP address, or specifying a static IP for the Raspberry Pi. If you’re planning to use Wi-Fi, select the Work over WiFi check box.

Progress once more by clicking Next, then select the preferred configuration. The default option here is fine for the first run. Click Next again, then check the box to Save parameters into config.txt file. This means you’ll be able to edit the configuration of your thin client later. You should use this screen to set the preferred display resolution.

A final click of Next will let you set a Password to enter terminal setup menu. Once this is done, click Write to commence installation.

Write the WTWare configuration to Raspberry Pi

Click Yes to agree to the warning and wait while the data is written to SD.

Configuring Your Raspberry Pi Thin Client

Once the image is written to your microSD card, it will be safe to eject the media and insert it in your powered-off Raspberry Pi. Powering up will boot the Raspberry Pi into the Terminal management screen.

Here, use the Network media option to choose between WiFi Wireless and Ethernet, then set the credentials as appropriate. You’ll need the network’s SSID and passkey.

If the Configuration files are set to be correctly received, you can move onto the Connect for configurating option. Here, set the wireless network again then confirm the configuration file is set. If not, switch back to the Configurator, select the correct terminal by MAC address (as displayed in the Terminal management screen) and click Create empty individual configuration file.

Create a WTWare configuration

From this point, simply log into the RDP virtual desktop session and start using Windows and any installed apps on your Raspberry Pi.

Note that any existing Windows account can be signed into this way; if you use the same account currently signed into Windows, you will be logged out. If you need new accounts, create them on the Windows machine.

It’s the Best Way to Run Windows on a Raspberry Pi

Many operating systems are available for the Raspberry Pi, but Windows is not one of them. This is the best way to get current Windows functionality on your Raspberry Pi, short of connecting via VNC or RDP.

Want to get more productivity out of your Raspberry Pi, but not keen on setting it up as a thin client? It could be more productive than you think. Here’s what happened when I used a Raspberry Pi as my main PC for a week.

Read the full article: How to Set Up Raspberry Pi as a Windows Thin Client


Read Full Article