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Before getting to point, let’s start with some pointers about PM Modi’s itinerary from yesterday:In the morning , PM Modi conducted meetings with NSA Doval and Home Minister to assess the situation of security.Then he attended the launch of Sports Ministry’s unprecedented Khelo India App.Then he addressed a BJP campaign online, something encouraging booth management and stuff among his fellow BJP karyakartas.Then he met with the Chiefs of all three Armed Forces, again along with NSA Doval, and concocted strategies to counter the Pakistani Nuclear bluff and bargaining tactic to use WC AV.Then he met the Saudi Envoy and held discussions about the ongoing turbulence with Pakistan.Then he went to Vigyan Bhawan and attended a pre=planned function as scheduled without any change of plans despite the given situation.Then he called up a meeting of Cabinet Committee on Security at 7pm, again took stock of security situation post-Pakistani announcement of returning WC AV to India.Then he called a Cabinet Meeting and passed several key decisions and notifications, like the ambitious FAME-II scheme and usage of Aadhaar by banks and telecom sector on a voluntary fashion.Basically, what's the message that Modi has given out of this?Whatever happens on the border, it shall not deter India and Indians from living its day to day life. Things must go on as planned, with responsible people taking care of whatever needs to be done, where and when and as required.The job of PM Modi and his ministers is to run their ministries and the nation, and they were doing that. The job of PM Modi and India's Armed and Para forces is to defend India in this dire hour of warfare against arch nemesis, Pakistan, and they did that as well.Basically, Modi did his job well, while also managing to deftly find time and ways to keep France, US, UK, Russia, Germany, China and several other major global powers to collectively build pressure on Pakistan.Now, that is how dedicated he is as the Pradhan Sevak of this nation, while setting the message for fellow Indians straight-Nothing should stop, No one should stop. India must go on, while the well capable forces and political leadership deals with Pakistan.People didn’t get that though. They started to criticze him, chide him, and many are still continuing to do so. And, that’s what is making me sad about Indians.People are criticizing PM Modi for making time for things other than the escalated and tensed situation with Pakistan. But the way things have turned out, he managed to make enough time for Pakistan, got our valiant Pilot back by twin efforts of diplomacy and issuing a veiled threat of bringing doom to Pakistan’s door by announcing a joint press briefing of all three Chiefs of Armed Forces.Understand the significance of that move here- Why is Pakistan releasing Wing Commander Abhinandan Varthaman?So, I say, well played Sir. Not everyone will get what you intended. Not everyone will endorse what you accomplished. But, I do, and I am happy to have you handling the nation at its helm.Regards,Shilanjan _/\_

Safe isn’t an absolute state, it’s a measurement of relative risk. You’re not completely safe online ever and some people are less safe than others.The general rule of thumb is that you don’t conduct financial transactions on public WiFi. However, I’ve done so in the past and will certainly do so again in the future. I also understand the risks and have taken steps to mitigate my risk with many of those steps having nothing to do with technology.Shopping on Amazon (using a credit card or a payment service like Paypal) on public networks is far less risky than logging into your bank’s app or website. The reason is that for most consumers there are strong protections to shield you from the impact of fraud if your credit card information is stolen. Your bank, in most cases, doesn’t offer that same level of protection and in some past cases consumers have lost everything in their bank accounts to criminals with no recourse from the bank.Actions you can take:VPNs, which are generally overrated for their security benefits, are very helpful on public networks.Ensuring that your browser and operating system is completely up to date is critical.Conduct low risk financial activities only if possible. If not, using a VPN becomes very important.On mobile devices avoid banking apps and use their mobile sites instead. Security of mobile banking apps has gotten better but still lags well behind TLS 1.2 and frankly I trust the browser vendors and web server providers a lot more than I trust app developers for banks.Be aware of your exposure. Logging into your consumer checking account that has a few thousand dollars has some risk. Logging into your company’s accounts that have a few million dollars is much more of a risk.

Good answers already online before me, so I am going to address only certain aspects.The question of "difference" between bank and microfinace is actually a false pair. Microfinance can be practiced by banks and by other institutions, such as finance companies, P2P agencies, NGOs and charity organisations.The usefulness of micro LENDING as a tool for poverty alleviation has come into question which is why some organisations have started to emphazise small business lending, while still keeping up a social mission. Access to financial services such as depositing, transfers and payment systems is quite obviously a useful servcie and out of the microfinance cosmos, some bank and some non-bank providers have brought forward some good and low cost solutions, available to the formerly "unbanked" people. When those reduce cost and risk and open up new possibilities for the target group (of rural, poor people) they seem to represent a useful outcome of the microfinance movement.