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Learn Computer Lecture No 3 ( What is Software )



Learn Computer Lecture No 2 ( What is Hardware )

Objectives :
Computer Hardware
How Hardware Work
Why HardWare is Important
Components of their Parts
Computer Components and their Functions
Input Devices
Key Board
Other Devices
Pointing Devices
Desktop Environment
Organizing Files
Print Management

Using Application
Preparing Output
Mail Merge
Saving an Excel File
Creating Complex Formulas
Sorting Data

Computer Proficiency License Course.

We welcome you to Virtual University’s Computer Proficiency License Course. Computer Proficiency License is an interactive course in which you will be able to obtain useful information about computers. The purpose of this course is to make students computer proficient. Computer Proficiency License Course is also called VU-CPL or CPL. We have made Computer Proficiency License (VU-CPL) a web-based application so that you can use it with ease. Along with listening to lectures, you can practice the concepts

The digital skills global industry, often referred to as online outsourcing, is expected to generate gross service revenue between $15 billion and $25 billion by 2020.
advent of new ICT technologies has opened a myriad of new possibilities for knowledge workers across the globe by enabling them to provide their services remotely to clients. By leveraging these ICT technologies, a new on-demand economy is being created, where professional activities broken into discrete assignments are offered to a virtual cloud of aspiring workers. This industry, often referred to as online outsourcing, is expected to generate gross service revenue between $15 billion and $25 billion by 2020.

Major chunk of this online outsourcing industry is being taken by individuals having necessary and relevant skills required to complete these temporary assignments and project or contract-based work. Millions of individuals around the world are tapping into the opportunity and earning money while working from the comfort of their homes. This trend is expected to grow as the creative destruction caused by fourth industrial wave continues to disrupt business processes and models.

Millions of individuals around the world are tapping into the opportunity and earning money while working from the comfort of their homes.
Pakistan is the world’s fourth largest provider of online freelancers with estimated registered number of online freelancers ranging in several hundreds of thousands. Most of the work done is for international clients; therefore money earned by them is brought into the country, mainly as foreign remittances. While accurate data on money brought by freelancers is not available, estimates range from $ 500 Million to $ 1.3 Billion annually.

This amount is just a fraction of the country’s potential as, with its large population, increasing internet connectivity, broadband penetration, young and educated youth, thousands of IT graduates and million-plus enrolled university students, Pakistan can increase the number of freelancers manifold. This will help bring invaluable foreign exchange into the country, and more importantly, reduce unemployment as the number of fresh graduates passing out every year is a lot more than the number of new jobs created.

Therefore, this large scale national Digital Skills (DigiSkills) Training Program, which was conceived by the Minister of IT and Telecom, has been launched across the country, to offer one (1) million trainings in the future of work using technology. Virtual University of Pakistan has been selected to execute this mega training program under the auspices of Ministry of Information Technology and Telecom through Ignite- National Technology Fund (formerly National ICT R&D Fund). The DigiSkills Program is aimed at equipping our youth, freelancers, students, housewives, professionals, etc. with knowledge, skills, tools & techniques necessary to seize the opportunities available internationally in online marketplaces as well as locally to earn a decent living.

The program aims at not only developing key specialized skills, but also imparting knowledge about various freelancing and other employment and entrepreneurial opportunities available internationally and locally. Due to limited employment opportunities, it is essential for upcoming workforce to have necessary knowledge and abilities to grab such opportunities. This is envisaged to be achieved through a national level program, which will train target audiences in freelancing and other specialized skills listed below:
E-Commerce Management
Digital Marketing
Digital Literacy
Graphics Design
Creative Writing
SEO (Search Engine Optimization)




'Mardi Gras! Galveston' Knights of Momus Grand Night Parade : Feb 22, 2020



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Intuit Is Expected to Buy Credit Karma in $7 Billion Deal




Intuit, the home of TurboTax and Mint, is nearing a deal to buy Credit Karma, a start-up that grew to fame by offering consumers free access to their credit scores, for about $7 billion in cash and stock, two people briefed on the matter said on Sunday.

The deal, which could be announced as soon as Monday, points to the value of the financial data of ordinary Americans. Credit Karma grew to be worth billions of dollars by selling credit card offers to its customers after building their credit profiles.

Intuit has long helped businesses and consumers manage their financial data, but it has often been slow in adapting to a new era in which that data is profitably used to attract advertisers.

Credit Karma has been at the leading edge of a large group of start-ups in the financial technology sector over the last decade. It says its customers include a third of all Americans who have a credit profile.

The company, which has over 1,100 employees and is based in San Francisco, had been expected to pursue an initial public offering. But after the rocky I.P.O. of Uber and the failure of WeWork’s planned offering, some companies have instead pursued the surer path of a sale rather than face potentially skeptical investors.

Last month, another successful fintech start-up, Plaid, sold itself to Visa for $5.3 billion rather than stage an I.P.O. Plaid’s business is also focused on consumer data, serving as the middlemen between the big financial firms that have that data and the start-ups that need it.

The deal negotiations were earlier reported by The Wall Street Journal.

Credit Karma was started in 2007 by Kenneth Lin, the current chief executive, and two co-founders, after Mr. Lin had trouble acquiring his own credit score. Until about a decade ago, consumers generally had to buy a credit score directly from the three major credit bureaus. Otherwise, the most likely opportunity for individuals to get a sense of their creditworthiness came just as they were applying for a loan — when it was too late to do anything to improve their lot.

Signing up for the site became a rite of passage for Americans looking to get their credit score in shape to apply for a mortgage. In addition to providing credit scores from TransUnion and Equifax, Credit Karma offers advice on how the scores could be improved by doing things like lowering credit card balances.

The company made its money by offering its customers new credit cards and online loans, based on their credit scores. When customers accepted the offers, Credit Karma would receive payments of a few hundred dollars, though it closely guarded the details of these deals.

Over time, though, Credit Karma’s success invited imitators, and today most digital financial firms offer their customers free credit scores.

Credit Karma has branched out by offering other services that give it access to even more financial data. Its biggest recent product introduction was a free tax return offering that put it into direct competition with Intuit’s TurboTax.

(The Wirecutter, which The New York Times owns, also aims to earn money via affiliate relationships with lenders.)

Intuit’s business has long been based on charging businesses and customers for its software offerings, like QuickBooks and TurboTax. But the company, which is valued at more than $77 billion, has been trying to shift to the new world in which software is free and paid for by deals for consumer data.

TurboTax now offers a free version of its tax-filing service. And Mint allows customers to create free budgets, with the service paid for by credit card ads, much as Credit Karma does.

There is a potentially significant business opportunity for Intuit if it completes a deal. For example, Intuit could try to match all the tax data its TurboTax customers provide with the credit-scoring data that Credit Karma holds.

That could let Intuit serve up better customer prospects to credit card issuers — and eventually let Intuit charge lenders more for access to its hoard of data.

Sheel Mohnot, a venture capitalist who focuses on fintech start-ups, suggested that the combined company could become a sort of Facebook for financial services.

“They would have all of this rich information, and they would basically be an ad network,” he said. “You’re almost forced to advertise with them.”

Ron Lieber contributed reporting.


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Coronavirus Lockdowns Torment an Army of Poor Migrant Workers in China




Clutching a gray plastic suitcase filled with most of his belongings — a blanket, a toothbrush, a pair of white sneakers and a comb — Wang Sheng goes from factory to factory in southern China begging for a job. The answer is always no.

Mr. Wang, 49, used to be able to find work in Shenzhen, a sprawling industrial megacity. But factories are turning him away because he is from Hubei Province, the center of China’s coronavirus epidemic, even though he hasn’t lived there in years.

“There’s nothing I can do,” said Mr. Wang, who has only a few dollars left in savings, lives off plain noodles and rents a small room for about $60 a month. “I’m just by myself, isolated and helpless.”

China’s roughly 300 million rural migrants have long lived on the margins of society, taking on grueling work for meager wages and limited access to public health care and education. But now they are among the hardest hit as China’s leader, Xi Jinping, calls for a “people’s war” to contain the virus and the authorities impose controls across broad swaths of the country.

But the strict lockdowns imposed across the country make it difficult for rural workers to return to cities; only about a third have done so, according to official statistics. Many workers are stuck in the countryside after traveling there last month to celebrate the Lunar New Year holiday.

Mr. Xi, already under scrutiny for the Chinese government’s slow and erratic response to the coronavirus outbreak, now faces pressure to quell anger among low-income families and dispel broader fears of an economic downturn. The party has long staked its legitimacy on the idea that it can deliver prosperity and protect the working class.

  • Updated Feb. 10, 2020

    • What is a Coronavirus?
      It is a novel virus named for the crown-like spikes that protrude from its surface. The coronavirus can infect both animals and people, and can cause a range of respiratory illnesses from the common cold to more dangerous conditions like Severe Acute Respiratory Syndrome, or SARS.
    • How contagious is the virus?
      According to preliminary research, it seems moderately infectious, similar to SARS, and is possibly transmitted through the air. Scientists have estimated that each infected person could spread it to somewhere between 1.5 and 3.5 people without effective containment measures.
    • How worried should I be?
      While the virus is a serious public health concern, the risk to most people outside China remains very low, and seasonal flu is a more immediate threat.
    • Who is working to contain the virus?
      World Health Organization officials have praised China’s aggressive response to the virus by closing transportation, schools and markets. This week, a team of experts from the W.H.O. arrived in Beijing to offer assistance.
    • What if I’m traveling?
      The United States and Australia are temporarily denying entry to noncitizens who recently traveled to China and several airlines have canceled flights.
    • How do I keep myself and others safe?
      Washing your hands frequently is the most important thing you can do, along with staying at home when you’re sick.

“The Chinese Communist Party leadership does not like to be criticized for neglecting or abandoning workers,” said Jane Duckett, the director of the Scottish Center for China Research at the University of Glasgow. “Their ideological underpinnings — Marxism-Leninism, socialism — lie in being a party of the ‘workers and peasants.’”

Ms. Duckett said the party was probably wary of discontent among workers. Mr. Xi has said that the government should watch employment closely and that companies should avoid large-scale layoffs.

The virus, which has killed at least 2,400 people and sickened nearly 77,000 in China alone, has brought parts of the Chinese economy, the world’s second largest, to a near standstill. While some factories have started up again in recent days, many are still closed or operating well below capacity, with parts in short supply and workers stranded hundreds of miles away.

Businesses across a variety of sectors — manufacturing, construction and transportation — have ordered their employees to stay home, usually without pay. That has created strains for many migrants, who earn barely enough to keep up with the rising cost of living in Chinese cities and often hold little in savings.

While wages are low, migrants can still earn more in the cities than they would in the countryside, where jobs are scarce. They are willing to go to cities for a shot at a better life, even if they must live in crowded workers’ dormitories or run-down apartments.

Yang Chengjun, 58, who lives in northeast China and sometimes works as a carpenter, says he and his son are living off the land now, relying on rice and vegetables they grow and struggling “just to stay alive.” Mr. Yang worries the family will run out of money within a month.

“The pressure on migrant workers was always great,” Mr. Yang said. “The epidemic adds insult to injury.”

Their struggles have been made worse by local officials who have helped fuel a perception that rural migrants pose a threat to public health and should be treated as potential carriers of the virus.

While the government now provides free care to those found to have the coronavirus, many hospitals are overwhelmed and lack the resources to officially diagnose the virus. As a result, some migrant workers living in cities say they have been forced to pay thousands of dollars in medical expenses to treat sick relatives.

In Hubei, where the outbreak began in December, many workers worry that the economic pain will continue for months or longer. The province, which is home to more than 10 million migrant workers, remains shut off from the rest of China, and business has ground to a halt.

Huang Chuanyuan, a 46-year-old construction worker in Hubei, has stopped buying meat to save money. His employer, a Chinese construction company, told him that he had no choice but to wait at home.

“I don’t want to think about the future now,” said Mr. Huang, who has a wife and three children. “The more I think about it, the more stressed I get.”

As their struggles have mounted, some workers have pushed local officials to do more to help reopen businesses. But their pleas are often met with silence, as local governments work to contain the virus.

Mr. Wang, the migrant worker who has been going from factory to factory in Shenzhen, worries it may be months before he can find a job. He spends his days scouring online job ads and watching news about the virus.


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