Another blanket article about the pros and cons of Direct to Consumer (D2C) isn’t needed, I know. By now, we all know the rules for how this model enters a market: its disruption fights any given sector’s established sales model, a fuzzy compromise is temporarily met, and the lean innovator always wins out in the end.

That’s exactly how it played out in the music industry when Apple and record companies created a digital storefront in iTunes to usher music sales into the online era. What now appears to have been a stopgap compromise, iTunes was the standard model for 5-6 years until consumers realized there was no point in purchasing and owning digital media when internet speeds increased and they could listen to it for free through a music streaming service.  In 2013, streaming models are the new music consumption standard. Netflix is nearly parallel in the film and TV world, though they’ve done a better job keeping it all under one roof. Apple mastered retail sales so well that the majority of Apple products, when bought in-person, are bought at an Apple store. That’s even more impressive when you consider how few Apple stores there are in the U.S. (253) compared to big box electronics stores that sell Apple products like Best Buy (1,100) Yet while some industries have implemented a D2C approach to great success, others haven’t even dipped a toe in the D2C pool, most notably the auto industry.

What got me thinking about this topic is the recent flurry of attention Tesla Motors has received for its D2C model. It all came to a head at the beginning of July when a petition on whitehouse.gov to allow Tesla to sell directly to consumers in all 50 states reached the 100,000 signatures required for administration comment. As you might imagine, many powerful car dealership owners armed with lobbyists have made a big stink about Elon Musk, Tesla’s CEO and Product Architect, choosing to sidestep the traditional supply chain and instead opting to sell directly to their customers through their website. These dealership owners say that they’re against the idea because they want to protect consumers, but the real motive is that they want to defend their right to exist (and who wouldn’t?). They essentially have a monopoly at their position in the sales process, and they want to keep it that way. More frightening for the dealerships is the possibility that once Tesla starts selling directly to consumers, so will the big three automakers, and they fear that would be the end of the road for their business. Interestingly enough, the big three flirted with the idea of D2C in the early 90’s before they were met with fierce backlash from dealerships. I’m sure the dealership community has no interest in mounting a fight like that again. 

To say that the laws preventing Tesla from selling online are peripherally relevant would be a compliment. By and large, the laws the dealerships point to fall under the umbrella of “Franchise Laws” that were put in place at the dawn of car sales to protect franchisees against manufacturers opening their own stores and undercutting the franchise that had invested so much to sell the manufacturer’s cars.  There’s certainly a need for those laws to exist, because no owner of a dealership selling Jeeps wants Chrysler to open their own dealership next door and sell them for substantially less. However, because Tesla is independently owned and isn’t currently selling their cars through any third party dealership, this law doesn’t really apply to them. Until their cars are sold through independent dealerships, they’re incapable of undercutting anyone by implementing D2C structure.

This section of our beginning python training class always stumps students.  Firstly, because they need to know the difference between a function and a method.  Secondly, they need to understand object oriented programming concepts.  Thirdly, they need to realize that python has three types of methods.  Then they need to know how to use each method, which means they need to know the purpose of each method type.  Then they have to understand mutable versus non-mutable types.  The list goes on.  As part of our python tutorial, I hope to shed some light on this confusing topic.

To begin, the difference between a function and a method in python is that a method is defined within a class.  Here is an illustration:

#function

	def greeting():
	                print "Hello, I hope you're having a great day!"

	class HSGPrinter(object):
	                #method
	                def greeting(self): 
	                                print "Hello, I hope you're having a great day!"

As should be obvious, the second definition of greeting is encapsulated within the HSGPrinter class and is , therefore, refered to as a method.

The astute reader will notice that the greeting method contains one parameter named self.  For those who know C++ , Java or C#, self is equivalent to this i.e. it is a reference to the invoking object:

IT jobs are without a doubt some of the highest paying jobs with information architects, data-security analysts and UX designers taking home $100,000 or more a year. But then again, these are high demand; high expertise jobs so don’t jump with joy as yet. But like every job and IT industry to be specific, not everyone commands such higher salaries. There are a large number of IT professionals who at some point of their career feel that their salaries have hit a standstill. Even if you are an IT professional and a great one at that, your technical expertise alone may not help you exceed the IT earning barrier. To continuously exceed your salaries, you need to work hard and smart. Here is how you can exceed the earning barrier in IT.

·         Gain Business Knowledge and Move Up The Management Ladder: IT departments for the most part are considered a part of “back office” operations. What this means is that despite being a core part of the business, IT professionals do not often get enough say in revenue generating components of the business and as a result seldom have a chance to take up senior management roles.  So if you do not want to stay content with a project manager or senior project management salary, invest time and money in gaining business knowledge. It could be through a formal business degree, online training courses or just by keeping your eyes and ears open while in the organization. Having the technical experience with business knowledge will instantly make you stand apart and open the doors for you to draw senior management salaries. For example, a survey conducted highlighted that CIOs were the biggest salary winners which clearly demonstrates the value of technical and business knowledge

·         Gain expertise on the “Hot” Technologies and Keep Learning: Say you are an expert in Java and draw a respectable salary in the industry. However, someone with less years of experience than you joins the organization and draws a higher salary than you! Why you ask. It could very well be because he/she is an expert in say big data technology such as Hadoop. Information Technology is one of the most dynamic industries with new technologies and languages coming up every now and then. When a new technology comes to the foray and gains traction, there is an instant demand-supply gap created which means that those with the specific skill sets are in a position to demand high salaries. If you have to break the IT earning barrier, always be ready to reinvent yourself by learning new technologies and this way you will be well positioned to jump on the high paying opportunities in the IT industry

·         Work On Your Own Side Projects: This one might seem controversial but let me clarify that I do not mean doing freelance work because even though your organization may never find out, it is ethically in breach of contract with your contract. If you have been lucky enough to be trained in some web based technologies such as Java, .NET or even HTML etc. spare sometime after office to build your own side projects. They could be very small projects tackling some problem that only you might have but there are multiple benefits of developing side projects. Worst case scenario, you will improve your technical skills. On the up side, you might end up creating your own business. A lot of technology start-ups were actually side projects the founders tinkered on with while they were employed full-time. You may not always succeed but there is no downside to the same

When eCommerce companies want to optimize information security, password management tools enable users to create strong passwords for every login.

Better than a Master Pass
A two-factor authentication, a security process in which the user provides two means of identification, one of which is typically a physical token, such as a card, and the other of which is typically something memorized, such as a security code can drastically reduce online fraud such as identity theft . A common example of two-factor authenticationis a bank card: the card itself is the physical item and the personal identification number (PIN) is the data that goes with it.

LastPass 3.0 Premium and RoboForm, security downloads offer fingerprint-based authentication features that can be configured to any computer PC or mobile application.  Both are supported by the Google Authenticator mobile app for smart phone and device integration.

LastPass 3.0 is most powerful on-demand password manager on the market. LastPass 3.0 Premium includes mobile support and more features. Dashlane 2.0 is is not as robust, but includes a user-friendly interface. F-Secure Key is a free, one-device version of these top competitors. F-Secure Key is for exclusive use on an installed device, so password safe retention is dependent on proprietary use of the device itself. The application can be upgraded for a small annual fee.

Password Manager App Cross-Portability
F-Secure Key syncs with Mac, PC Android, and iOS devices simultaneously. A transient code is generated on mobile devices, in addition to the two-factor authentication default of the F-Secure Key master password security product.

Password capture and replay in case of lost credentials is made possible with a password manager. Integration of a password manager app with a browser allows a user to capture login credentials, and replay on revisit to a site. Dashlane, LastPass, Norton Identity Safe, Password Genie 4.0 offer continuous detection and management of password change events, automatically capturing credentials each time a new Web-based, service registration sign up is completed.

Other applications like F-Secure Key, KeePass, and My1login replay passwords via a bookmarklet, supported by any Java-equipped browser. KeePass ups the ante for would be keyloggers, with a unique replay technology.

Personal Data and Auto-Fill Forms
Most password managers fill username and password credentials into login forms automatically. Password managers also retain personal data for form fill interfaces with applications, and other HTML forms online. The RoboForm app is one of the most popular for its flexibility in multi-form password and personal data management, but the others also capture and reuse at least a portion of what has been entered in a form manually.

The 1Password app for Windows stores the most types of personal data for use to fill out forms. Dashlane, LastPass, and Password Genie store the various types of ID data used for form fill-in, like passport and driver's license numbers and other key details to HTML acknowledgement of discretionary password and personal information.

The Cost of Protection
LastPass Premium and Password Box are the lowest monthly password manager plans on the market, going for $1 a month. Annual plans offered by other password manager sources vary according to internal plan: Dashlane $20, F-Secure Key $16, and Password Genie, $15.
All password manager companies and their products may not be alike in the end.

Security checks on security products like password managers have become more sophisticated in response to product cross-portability and open source app interface volatility. Norton, RoboForm, KeePass, generate strong, random passwords on-demand. Some security procedures now require three-factor authentication, which involves possession of a physical token and a password, used in conjunction with biometricdata, such as finger-scanningor a voiceprint.

What are the best languages for getting into functional programming?

Computer Programming as a Career?