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What is BYOD Bring Your Own Device? Webopedia Definition #byod, #bring #your #own #device, #workplace, #it #security, #mobile #security, #mobile #connectivity, #firewall, #definition, #glossary, #dictionary


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BYOD – bring your own device

In the consumerization of IT. BYOD, or bring your own device. is a phrase that has become widely adopted to refer to employees who bring their own computing devices such as smartphones. laptops and tablets to the workplace for use and connectivity on the secure corporate network .

BYOD Security

Today, employees expect to use personal smartphones and mobile devices at work, making BYOD security a concern for IT teams. Many corporations that allow employees to use their own mobile devices at work implement a BYOD security policy that clearly outlines the company’s position and governance policy to help IT better manage these devices and ensure network security is not compromised by employees using their own devices at work.

BYOD security can be addressed by having IT provide detailed security requirements for each type of personal device that is used in the workplace and connected to the corporate network. For example, IT may require devices to be configured with passwords, prohibit specific types of applications from being installed on the device or require all data on the device to be encrypted. Other BYOD security policy initiatives may include limiting activities that employees are allowed to perform on these devices at work (e.g. email usage is limited to corporate email accounts only) and periodic IT audits to ensure the device is in compliance with the company’s BYOD security policy.

BYOD VoIP Subscription

Another common use of the phrase BYOD is connected to the VoIP industry, and the phrase is used to describe a specific type of VoIP subscription or plan. Subscribers who have their own VoIP device (a SIP -capable device) when signing up for a VoIP service will usually be able to take advantage of a cheaper subscription plan when they use BYOD however not all VoIP service providers will offer special rate plans for subscribers with their own equipment. If the BYOD subscription is unavailable through a VoIP provider you will need to use the provider’s equipment instead of your own.

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Frequently Asked Questions about Probate #washington #state, #free #probate #forms, #probate #instructions, #probate #court, #legal #forms, #probate #glossary


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Frequently Asked Questions about Probate

The Will of someone (the Decedent ) who has died leaving a valid Will (ie, died testate ). Specifically, what is being proved is that:

Was signed by its maker (its Testator (male) or Testatrix (female)), and

  • Is the most current Will of the Testator/trix (ie. it has not been revoked).
  • The Testator/trix was legally competent to make a Will:

    Of sound mind (ie. having testamentary capacity and lacking insane delusions )

  • Who has attained the age of 18 years.
  • The Will was made under lawful circumstances:

    Witnessed by at least two competent witnesses who subscribed their names to the Will while in the presence of the Testator/trix at his/her request, and

  • Not made by mistake, restraint (duress), fraud, undue influence, or forgery.

  • Sidebar: What does testate mean?

    Testate means to make a Will, from the Latin verb testan.

    The Superior Court usually in the county in which the Decedent resided at death.

    What is being proved to the Court is that the Personal Representative (in other states, called the Executor (male) or Executrix (female)) that Decedent nominated in the Will can be appointed by the Court and authorized to carry out Decedent’s desires, as expressed in the provisions of his/her Will:

    By collecting and managing Decedent’s property;

  • By paying Decedent’s debts, last illness and funeral expenses, and any taxes due; and ultimately
  • By distributing Decedent’s property to Decedent’s named recipients (the Beneficiaries ), who take under the Will or take by testate succession.

  • In summary: To ensure that Decedent’s bills are paid and Decedent’s property is accounted for, transferred to, and retitled in the names of Decedent’s Beneficiaries.

    Without a Will to prove or a named Personal Representative to appoint, the Court turns not to the terms of a Will but, instead, to State law and:

    Appoints a Personal Representative (in other states, called an Administrator (male) or Administratrix (female)) according to a prioritized list provided by law; who ultimately

  • Distributes Decedent’s property in shares to a prioritized list of recipients, the Heirs or Heirs-at-Law , provided by law, who take by inheritance or take by intestate succession.

  • The only assets that are subject to probate (Decedent’s probate assets ) are those held in Decedent’s name without designated beneficiaries (other than his/her estate) on death.

    Examples of Probate Assets:

    Decedent’s property inherited upon the deaths of his/her parents, as his/her separate property.

  • Decedent’s home, as to his/her one-half interest in community property.
  • Decedent’s interest in a vacation home, a boat, or an airplane, as a tenant-in-common (ie, not joint tenancy) with other joint owners.
  • A life insurance policy owned by Decedent on his/her life and whose named beneficiary is his/her estate.
  • Decedent’s IRA or a Keogh Plan for his/her benefit and whose named beneficiary upon his/her death is his/her estate.

  • Examples of Nonprobate Assets:

    Decedent’s car, as a joint tenant (ie, with right of survivorship).

  • Decedent’s bank account, payable on death ( POD ) to one of Decedent’s children.
  • Decedent’s securities account, transferable on death ( TOD ) to Decedent’s Trustee.
  • Property subject to a valid Community Property Agreement, transferable to Decedent’s surviving spouse.
  • A life insurance policy owned by Decedent on his/her life and whose named beneficiary is other than his/her estate (eg, his/her spouse or children).
  • Decedent’s IRA or Keogh Plan for his/her benefit and whose named beneficiary upon his/her death is other than his/her estate (eg, his/her spouse or children).
  • Property held in trust for the benefit of Decedent and whose named beneficiary upon his/her death is other than his/her estate (eg, Decedent’s Revocable Living Trust held for (i) his/her benefit during his/her life and (ii) his/her spouse or children following his/her death).

  • Nonprobate assets pass upon death to the named survivor or beneficiary outside of probate. The methods for making nonprobate assets (eg. joint tenancies, POD or TOD accounts, community property agreements, living trusts, etc.) are sometimes called Will substitutes.

    What is the Washington statutory Creditor’s Claim law? What benefits does it provide? �

    The probate process provides:

    A neutral, third-party (a Judge) who can:

    Supervise the process,

  • Ensure that it is proceeding according to law, and
  • Resolve any disputes (eg. among Heirs and Beneficiaries, between them and the Personal Representative, or regarding title to property or legitimacy of debt).
  • If the Creditor’s Claim procedure is employed: A method that extinguishes claims against the Decedent and his/her estate that is quick and fair to debtors, creditors, and Decedent’s Heirs and Beneficiaries.

  • Many estates don’t need third-party oversight.

  • Many estates don’t have disputes.
  • Many estates don’t have debtor/creditor problems.
  • Many estates could close sooner than 4 to 6 months after date of death.
  • Probate is necessarily a public process, and many Heirs and Beneficiaries would prefer that the process be private.
  • The home state ( domiciliary ) probate covers all of the Decedent’s personal property but only so much of Decedent’s real property as is located within that state. Consequently, an out-of-state ( ancillary ) probate is required in every state in which Decedent holds real property — an expensive, time-consuming, and inefficient process.

  • All of the foregoing disadvantages of probate (and more) may be remedied through the use of a revocable living trust as the vehicle for one’s estate plans.


    What is ARPANET? Webopedia Definition #networking, #internet, #arpanet, #wan, #wide #area #network, #define, #glossary, #dictionary


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    ARPANET

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    The precursor to the Internet. ARPANET was a large wide-area network created by the United States Defense Advanced Research Project Agency (ARPA). Established in 1969, ARPANET served as a testbed for new networking technologies, linking many universities and research centers. The first two nodes that formed the ARPANET were UCLA and the Stanford Research Institute, followed shortly thereafter by the University of Utah.

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    Platform as a Service – PaaS – Gartner Cloud Computing #paas #vendors, #it #glossary


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    A platform as a service (PaaS) offering, usually depicted in all-cloud diagrams between the SaaS layer above it and the IaaS layer below, is a broad collection of application infrastructure (middleware) services (including application platform, integration, business process management and database services). However, the hype surrounding the PaaS concept is focused mainly on application PaaS (aPaaS ) as the representative of the whole category.

    Plus FREE Gartner Research on Big Data. Information 2020 Beyond Big Data Analytics

    Strategic adoption of PaaS is increasing, while PaaS vendors are continuing to innovate and introduce change. Application leaders responsible for architecture and infrastructure should understand cloud platform market trends to exploit them for competitive advantage.

    The cloud is a platform of continuous innovation, rapid change, business opportunity and vendor hype. Over 200 specialist and generalist PaaS offerings are represented in this comprehensive market analysis, designed for IT leaders guiding their organizations to cloud competence and excellence.

    September 27, 2016

    Moving IT services to Infrastructure as a service (IaaS), platform as a service (PaaS) and software as a service (SaaS) cloud providers profoundly affects the roles and responsibilities of IT. IT Infrastructure Professionals (ITIPs) and managers must think about their roles, hone new skills and build a strategy for staying relevant in the forthcoming IT landscape.

    Application leaders must understand the trends in application platforms to choose and plan new solutions, platform technologies, cloud services, architecture directions, skills, policies and organization models – with confidence. Informed readiness today will translate to business competitive advantage tomorrow.


    What Is Public Cloud? Webopedia Definition #public #cloud, #public #cloud #definition, #public #clouds, #cloud #computing #define, #webopedia, #glossary, #dictionary, #encyclopedia, #it, #small #business #tech


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    public cloud

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    A form of cloud computing in which a company relies on a third-party cloud service provider for services such as servers. data storage and applications, which are delivered to the company through the Internet. A public cloud can free companies from the potentially expensive costs of having to purchase, manage and maintain on-premises hardware and software infrastructure.

    Public clouds can also typically be deployed much faster and with more scalability and accessibility than on-premises infrastructure as a result of the public cloud provider s expertise and existing infrastructure. Public cloud subscribers may pay pay-as-you-go fees or fixed monthly fees for the public cloud services they utilize.

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    What is Dial-Up Networking? Webopedia Definition #dial-up #networking #definition, #dial-up #networking, #define, #define #dial-up #networking, #define, #webopaedia, #webopedia, #glossary, #dictionary, #encyclopedia


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    Dial-Up Networking

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    A component in Windows 95 (and Windows 98 ) that enables you to connect your computer to a network via a modem. If your computer is not connected to a LAN and you want to connect to the Internet. you need to configure Dial-Up Networking (DUN) to dial a Point of Presence (POP) and log into your Internet Service Provider (ISP). Your ISP will need to provide certain information, such as the gateway address and your computer’s IP address.

    You access DUN through the My Computer icon. You can configure a different profile (called a connectoid ) for each different online service you use. Once configured, you can copy a connectoid shortcut to your desktop so that all you need to do to make a connection is double-click the connectoid icon.

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    What is Cloud Computing? Webopedia Definition #cloud #computing, #cloud, #service, #provider, #cloud #explained, #the #cloud, #business #cloud, #cloud #storage, #define, #glossary, #dictionary,


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    cloud computing

    Related Terms

    Cloud computing is a type of computing that relies on sharing computing resources rather than having local servers or personal devices to handle applications .

    In cloud computing, the word cloud (also phrased as “the cloud”) is used as a metaphor for “the Internet ,” so the phrase cloud computing means “a type of Internet-based computing,” where different services such as servers, storage and applications are delivered to an organization’s computers and devices through the Internet.

    A Simple Description

    In its most simple description, cloud computing is taking services (“cloud services”) and moving them outside an organizations firewall on shared systems. Applications and services are accessed via the Web, instead of your hard drive. The services are delivered and used over the Internet and are paid for by cloud customer (your business), typically on an “as-needed, pay-per-use” business model. The cloud infrastructure is maintained by the cloud provider, not the individual cloud customer.

    Cloud computing is comparable to grid computing. a type of computing where unused processing cycles of all computers in a network are harnesses to solve problems too intensive for any stand-alone machine.

    How it Works

    Cloud computing applies traditional supercomputing. or high-performance computing power, normally used by military and research facilities, to perform tens of trillions of computations per second. In consumer-oriented applications such as financial portfolios, to deliver personalized information, to provide data storage or to power large, immersive online computer games.

    To do this, cloud computing uses networks of large groups of servers typically running low-cost consumer PC technology with specialized connections to spread data-processing chores across them. This shared IT infrastructure contains large pools of systems that are linked together. Often, virtualization techniques are used to maximize the power of cloud computing.

    Cloud Computing Standards

    The standards for connecting the computer systems and the software needed to make cloud computing work are not fully defined at present time, leaving many companies to define their own cloud computing technologies. Organizations choose cloud providers that satisfy their needs. Cloud computing systems offered by companies, like IBM ‘s “Blue Cloud” technologies, for example, are based on open standards and open source software which link together computers that are used to to deliver Web 2.0 capabilities like mash-ups or mobile commerce .

    Organizations such as the Distributed Management Task Force (DMTF), the National Institute of Standards and Technology (NIST), Open Cloud Consortium (OCC) and Open Grid Forum (OGF) are a few of the many organizations that have suggested some type of standard or suggested guidelines.

    In the Data Center and for Small Business

    Cloud computing has started to obtain mass appeal in corporate data centers as it enables the data center to operate like the Internet through the process of enabling computing resources to be accessed and shared as virtual resources in a secure and scalable manner.

    For a small and medium size business (SMB ), the benefits of cloud computing is currently driving adoption. In the SMB sector there is often a lack of time and financial resources to purchase, deploy and maintain an infrastructure (e.g. the software, server and storage).

    In cloud computing, small businesses can access these resources and expand or shrink services as business needs change. The common pay-as-you-go subscription model is designed to let SMBs easily add or remove services and you typically will only pay for what you do use.

    Common Cloud Service Models

    Cloud services are typically deployed based on the end-user (business) requirements. The primary services include the following:

    A software delivery method that provides access to software and its functions remotely as a Web-based service. Software as a Service allows organizations to access business functionality at a cost typically less than paying for licensed applications since SaaS pricing is based on a monthly fee.

    A computing platform being delivered as a service. Here the platform is outsourced in place of a company or data center purchasing and managing their own hardware and software layers.

    A computer infrastructure, such as virtualization, being delivered as a service. IaaS is popular in the data center where software and servers are purchased as a fully outsourced service and usually billed on usage and how much of the resource is used

    Top 5 Cloud Computing Definitions

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    Mortgage Glossary – Mortgage Industry Terms for Home Buyers #perkins #student #loan


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    Use our mortgage glossary to understand the most important lending and mortgage terms. Mortgages can be confusing for the first time home buyer, so let us help explain. Below you’ll find explanations for most of the mortgage industry terms.

    Abstract of title

    A summary of recorded transactions concerning a particular property.

    Acceleration clause

    Condition in a mortgage that gives the lender the right to require immediate repayment of the loan balance if regular mortgage payments are not made or for breach of other conditions of the mortgage.

    Accrued interest

    Interest earned but not yet paid.

    Adjustable rate

    Adjustable-rate mortgage (ARM)

    Agent

    One that acts for or represents another.

    Agreement of sale

    Also known as a “sales contract,” a written document in which a purchaser agrees to buy property under certain given conditions, and the seller agrees to sell under certain given conditions.

    Alternative documentation

    A method of documenting a loan file that relies on information the borrower is likely to be able to provide, instead of waiting on verification sent to third parties for confirmation of statements made in the application.

    Amortization

    A monthly repayment schedule in which a loan is repaid in fixed payments of principal and interest.

    Annual percentage rate (APR)

    The annual cost of a loan, expressed as a yearly rate. APR takes into account interest, discount points, lender fees and mortgage insurance, so it will be slightly higher than the interest rate on the loan.

    Application

    Often referred to as a 1003, an initial statement of personal and financial information required to approve your loan.

    Application fee

    A fee charged by a lender to cover initial costs of processing a loan application, often including charges for property appraisal and a credit report.

    Appraisal

    A written estimate of a property’s current market value, based on recent sales information for similar properties, the current condition of the property and how the neighborhood might affect future property value.

    Appraisal fee

    A fee charged by a licensed, certified appraiser to render an opinion of market value as of a specific date.