Let's have a look at an example, a real example before we look into the details of the format. To use HTTPS, the address starts, the scheme is HTTPS, so if we click on a link, for example with the ICT server, does it use HTTPS when we access Moodle? You log in, you use Moodle all the time, is it secure? When you're doing your quizzes online, can somebody need to intercept and see your answers and change the answers to the quiz? In fact, when you're doing a quiz, it doesn't use HTTPS, it's just HTTPS. It's configured only to use HTTPS when you log in. When you hover over the login link, it may be hard for you to see, but the bottom left corner shows that the URL is HTTPS for the login page. So we log in, and the difference you may notice, we have HTTPS at the top and the padlock up there. And the padlock is an indicator that it's using a secure connection. And if your browser, depending on the browser, you click on that, it says verified by, if I just hover over, verified by Komodo. This is just a summary saying that the certificate from the server, I've just contacted the ICT server, I received the certificate, and the authority that signed that certificate was a company called Komodo. Let's click on it and see some more details. We can get some more information. And it says something that the website identity, the ID, the ID is a domain name. There's nothing about who the owner is, but that's just for information. And verified, this identifies the authority, in this case, a company. The technical details, this HTTPS connection is encrypted using AES, 128-bit key, SHA256 is the hash function, RSA was used for the certificate. And if we go over, we can actually view the certificate. And we see the certificate. Remember, the general concept, the ID of the server, the public key of the server, signed by someone else, signed by an authority. So the terminology used here, we have a certificate issued to the server, issued by the authority. We see that this is issued to, and here's a little bit different in that it's issued not to a single domain name, but any domain name that ends with S-I-T dot T-U-A-C-T-H. It's like a wild card. It covers I-C-T, it covers I-T, registration, W-W-W-S-I-T. The one certificate covers all of S-I-T. So this is the server identifier. It's called the common name. The certificate authority, it was issued by a company called Komodo. And there's the specific entity involved, Komodo RSA, Domain Validation Secure Server CA, Certificate Authority. Different companies may use different names and so on. The timestamp, this certificate begins on the 10th of April, last year. And it finishes in five days time. So this certificate will expire on the 10th of April this year. Meaning the next time, if your browser accesses this website on the 11th of April, maybe you try to log in to do the quiz over Songkran, then your browser will probably present a warning or an error saying, you've connected to a server, the certificate they sent us has expired, unless we update that certificate before that date. So that's the concept of the timestamp. It's only valid for a certain period of time. Let's, we can actually see more details. This is a summary of the certificate. Remember, public key, ID, timestamp, all of it signed. In the details, there's a version of the type of certificate. Certificates have serial numbers to identify them. The algorithm used. Remember, we sign by taking a hash encrypting with a public key cipher. Which hash function? SHA256. Which public key cipher? RSA. Who issued the certificate? That is the name of the authority. The common name is this Komodo certificate authority and some address information. Timestamp, not valid before or after these times. The subject is whose certificate? The server. The server, actually it represents multiple servers, anything that ends with the SIT domain. And of course the public key information. A certificate, the most important thing is the public key. What's a public key look like? When you did one of your homeworks, you generated a public-private key pair and you extracted the public key and it contains a modulus, some in this case 2048-bit number and if I can scroll down, a public value. So you need to understand the concepts of RSA to understand these two values. So this is specific to the RSA algorithm. That is the public key, PUS. Then there's some other information that may be just optional extensions. Some ID and down the bottom. The last thing, the signature. So in fact a certificate is the public key, the identity, the issuer and at the bottom, the signature, the encrypted hash value and that's included. How does my browser verify this certificate? We'll go back to the summary, I'll get there. When my browser receives this certificate, how does it know it's not been modified or it's actually a valid certificate? Look at CS on your slides. How do we verify CS? What do we need? We receive the certificate of the server, we verify with public key of the authority. So we verify using the public key of the authority or in this particular case, the public key of the company that issued the certificate, the authority issues the certificate. We need the public key of Komodo and the public key is saved in another certificate. My browser has the public key or the certificate of Komodo stored in it already. So we're finished by finding that. If we go into my preferences, into the detailed security settings for my browser, advanced, under the advanced tab, there's something called certificates and here we will see the certificates of the authorities. The tab at the top, authorities. When I installed Firefox, the creators of Firefox added all of these trusted certificate authorities and their corresponding public keys into the browser so that I don't need to access them, I automatically trust them. So these are the authorities I trust and if we scroll down, we see we have Komodo is there. Komodo is one company, there are many other companies. Many companies from different countries, DigiCert and also from different governments and trust is a common one, GoDaddy issues certificates, Microsoft and a bunch of others. These are all the authorities that I trust implicitly and they sign or issue certificates from to other servers, StarCom, SwissCom, Thought and one of the common ones, Verisign or Symantec down the bottom. The format we'll look at is X509. What we'll look at to finish this topic is some of the issues that arise here. How did I get these certificates? How does a server get a certificate? Some practical details and what happens when you try to visit a website when you don't trust the signer of a certificate? So we'll see them and discuss them in the next lecture.


Ay, ay, ay, today is about to be a juicy video. I've been meaning to do one of these for a while now, just because it seems to have been a trend and I didn't really know what it was. Today I'm reading your assumptions about me. I asked this on my YouTube channel a few days ago and you guys dropped a lot of them, so I'm gonna go through them and just share my thoughts. Just because I thought these were kind of funny. And yeah, let's just jump into it. You were that student in high school that reviewed for all the tests, yet he'll still tell everyone. He didn't do anything at home and after the exam, he will still tell us he fucked up yet end up with a best mark. Partly true, partly false, because number one, if I do study for something, I'm not gonna say no, I didn't study for something. And if I didn't study for something, I'll say I didn't study for something.  Just so I might make myself seem like I tried harder than I did.  And I usually never end with the best marks.  So, second one, I assumed you weren't straight. I think that's a common misconception and assumption about me. I'm 100% straight. I can understand where people get that assumption about me just because I guess I dress well and flamboyant and extravagant and whatever. But I assumed you picked up photography just so you can break the stairs of being an engineer or doctor. No, that's completely false because I've never wanted to be an engineer or doctor. Just because I'm Asian doesn't mean that that's innately born within me. My parents really never instilled that in me. Just because I've always been a little bit more creative and always had that artistic side of myself. So, being a photographer is something that I genuinely enjoy. Not something I'm bullshitting for the grammar to hang out with cool hot girls or whatever. You don't have a solid close friend group at Princeton. Damn, y'all really hitting close to home on this one. Shit. Not no, but not yes. I do have a few friends. I don't know if I would call everyone a group just because in college you hang out with a few different people and it's hard for everyone to kind of come together as like a whole squad like you had in high school maybe. I'm still sophomore so I'm not saying that I won't find the group but hopefully I do just because it is nice to hang out with a certain group of people every single weekend and have a close connection to the squad I guess. Your parents paid off your tuition. No, I actually paid for my tuition this last semester.  It was my first thought about you. Later it turns out to be inspirational and taking you to watch your videos. Number one, thank you. I appreciate the support. Number two, I think that's a easy assumption to be made about me on your first initial reaction whether it's watching my first videos or seeing my Instagram post or whatever. I can come off a little bit arrogant just because I'm a little bit self-aware and realize who I am as a person and I'm very confident and that's easy to be mixed up with arrogance or cockiness. But in reality, I try and stay humble especially with all the success that I've been having with the channel or with school or whatever, blah, blah, blah. Stay down to earth, stay true to myself and not let anything get to my head really. Let's say I've been working on humility and not trying to boast about my accomplishments or anything like that so I'm hoping that it doesn't come off like that in my videos. You only hang out with Asian and white people. Not really because I actually have a very diverse group of friends, blacks, white people, Asian people. I don't really see that as a factor of being a friend or whatever just if you are a genuinely good person and I enjoy hanging out with you, I will be friends with you. I see me as a very basic example of your music taste. I wouldn't disagree because my music taste is not basic but I do like big artists. Drake, obviously Ariana Grande, Travis Scott, Childish Gambino but does that really mean you're basic if you enjoy good music? Like good music is universal good music.  I assume that you like to do things extremely in a perfect way and you're a very organized person as a perfectionist. I'm organized and I like to do things to the best of my ability. I don't necessarily think things need to be perfect and I wouldn't call myself a perfectionist because constantly striving for perfection never means you're gonna get better. If I spent hours trying to perfect the video before I put it up, I would never be constantly creating and trying to improve every single video I put out. So striving for perfection isn't something I'm necessarily always looking for but I do try and be the best I can be. You get relationship advice but never had a serious girlfriend.  We dated for about a year and a half so I would say I know what I'm talking about. It's been a minute since I've been back in the game so maybe I'm a little rusty but that doesn't mean I don't know what girl's like. I'm just a, but that doesn't mean I don't know what girl's like. Like girls are very easy to read but also very complex and confusing. People at the end of the day, girls just wanna be loved, girls just wanna be shown affection and they're not even just girls, like guys in general, humans in general really, just everyone wants the same thing. They just wanna be appreciated and be shown that they are cared for. You take yourself too seriously sometimes and while you don't find it impossible to express your thoughts, you find it hard to be vulnerable.  I take myself seriously in certain occasions when it comes to the stuff that's important and matters to me and by the same time I do like to take the time to relax and enjoy myself and be real and be vulnerable with my friends and people who are close to me and especially with you guys, like I would say I'm genuinely very comfortable being in front of camera. There's nothing that I have to hide and so being vulnerable isn't scary to me. It isn't anything new to me and sometimes you wish you picked a college with less high standards and extreme pressure but other times you're happy about your decision going to Princeton.  Like I literally wish I didn't go to Princeton but other days I'm like, thank God I go to the school. There are so many opportunities. There are so many things I'm grateful for and opportunities that I couldn't have had anywhere else. So it's very much a day to day on and off about my feelings for Princeton. You only chose Princeton over the other top colleges you'd be accepted to because it wasn't idly but you had no other real motive other than to say you went there. I'm not gonna lie and say that, you know, going to Princeton, the number one university in the country and being from the Ivy League didn't have a lot of appeal but if I really put the pros and the cons of every other school that I applied to and got accepted to then it was kind of a no-brainer to go to Princeton. Financial aid was obviously a huge thing being close to New York. Ivy League, alumni networking, everything like that did play a big influential factor into my decision. So I'm not gonna lie and say that like that wasn't a big part of it but at the same time I was very practical with my decision and you know really did put the pros and the cons of, you know, Northwestern, Vanderbilt, Berkeley and all that.   I know what I enjoy to do. I know what makes me tick and I know what environments I work best in.   You know, I would say that's kind of the exact opposite because I'm very confident in who I am. You're trying to prove your high school friends wrong 100% that is literally so accurate because people who doubt you in high school or in college or whatever you're always gonna be trying to, you know, prove them wrong but also prove to yourself that you can actually make it and to doubt the haters and to doubt anyone who has said that you aren't gonna make it in whatever industry you're trying to pursue.  So I assume you're extremely extroverted. People haven't asked me if I'm extroverted or introverted when I was in high school I would say I was a lot more extroverted but when I got to college I realized that, you know, I'm a lot more introverted than the fact that I don't really like hanging out with a bunch of people that I don't vibe with. I don't try and go out of my way to, you know, be friends with someone if I don't genuinely enjoy being with them just to say I have a lot of friends. I know who my friends are. I know who I'm close to and I don't need to lie to myself or fake it to anyone else that like I have more friends and try and fake being extroverted in order to make new one. I assume you're close with all your teachers. That's pretty accurate. I, you know, just enjoy having genuine relationships especially with a lot of my high school teachers. Like literally yesterday I actually went back to my high school just to say hi to my English teacher my science teacher just because they had a big impact on myself as a student. And it's always good for them to, you know, catch up and see how you're doing in college. I assume that you're confident and had a rather successful high school career and have found college to be much more uninviting, difficult, different and humbling. Damn, y'all really got to know me real quick. That's literally so true. Like high school, I was super confident. It felt like I had everything together.   Like all the stuff I was accomplishing was cool. But, you know, there are so many other people at the school that do such other cool things. You know, coming to college was just a very humbling experience. Made me realize that I just had to continue to work hard in things that I'm passionate about and that will eventually pay off. Your desire for self exposure and need for approval must be strong. Not no, not yes, but yeah. You're more into Asian girls than any other ethnicity. You know, it's just personal preference. I do tend to like Asian girls. I'm, I guess, attracted to Korean girls in particular. Not that I wouldn't date anyone else or marry anyone else. It's just a preference for me.  I just think for me, it's a little bit easier to relate to other Koreans in terms of culture and work ethic and your values as being raised, especially as a Korean American, that it's a little bit easier to connect and have a more intimate relationship with that makes sense. Your personality is different off camera. I've gotten this question a few times. To be honest, I would say that I'm pretty much the same on and off camera.  And, you know, like I said, I've always tried to be honest.  And especially with YouTube, it's easy to see through that.  So that's not what we're about on this channel. You know how it is. You know how we do. I assume you're afraid of changing your hairstyle. No, because I've gone through multiple hairstyles in the past. This is just the one that like fits me the best. It's the most convenient to do every single day. There aren't really other hairstyles that I've been looking to get into.  Bro, I assumed you were like 23 when I first started your video, not knowing you were 18 at the time. Asian jeans, I guess. I assume you're getting tired of doing mainly college videos. Not no. I mean, I enjoy doing college videos just because it's the things that I have the most experience on and feel like I can share the most value with you guys. But, you know, I'm trying to branch out. I'm trying to figure out what else I want to do. Obviously, photography and fashion and film are big topics on this channel that I like to dive into. But obviously, I know that you guys enjoy the college stuff the most. I assume you're trying too hard to find yourself. So you just started doing all of those activities at once and found yourself through those. Yes and no in the fact that like in high school, I did participate in different things and did my feet into a bunch of different activities. And it wasn't until I realized that like, I don't need other people's approvals to do what I want to do. And that's kind of when I found my love for photography, especially because not a lot of people were doing it around me. And so being able to do something unique and something that I genuinely enjoyed and was able to make cool art, especially in high school and now in college is something that has always stuck with me. And once again, I'm not doing it for any other reasons except for the fact that like I'm genuinely passionate about it. But that about wraps it up for these assumptions about me. I hope you guys enjoyed it. I know it's a little bit funny to see what you guys think about me on your first assumption and for me to react to that. Drop a comment down below if you guys were surprised by any of them. Like for more videos and as always don't stress, finesse. Yah!


And residents of Nacca town in the west local government area of Benworth State are calling on the federal and state government to help fix the deplorable condition of the Maccadee Nacca out by road, which has become an axis for kidnappings and other violent crimes. Some residents who spoke to a correspondent Francis Thayer attributed the kidnappings and killings to the deplorable condition of the road, stating that Nacca police officer was once killed there and full load of passenger buses have been attacked several times. From the time of the last count, 508. 508? Yes. People have been kidnapped? Yes. How many have been killed from your understanding? About 338 killed. On the same road? Yes. As we speak now, there are some people who have been kidnapped and are yet to be released. Sometimes, personally, I took one barrister along Nacca Road here. We were attacked by flannies and I slept in the bush. And by the grace of God, I come out. So we could provide more security for this road. Meanwhile, the council chairman, Henry Akbar, who also recounted the number of attacks orchestrated by armed men suspected to be headers on motorist travelers and residents in the neighborhood, called on both the federal and state government to expedite action in the protection of its citizens and reconstruct the Nacca Makodi Angpa Road. Eight council would, after 15, in the local government are overrun by these militia headers. And they have been kidnapping and killing people on the Makodi Nacca Road on a daily basis because of the bad nature of the road. The movement is always very slow. And then they take advantage of that and attack motorists and travelers at any time of the day and night. That government should mobilize more security personnel to the local government so that they can quater the incident attacks and killings of the locals and travelers on the road. And don't forget to hit the notification button so you get notified about fresh news updates.


What are the most common mistakes made by strategists? I think one common mistake which we certainly saw in evidence of the competition is a fundamental misunderstanding of what is an insight. That was actually one of the specific categories in our entry. People were asked to describe what was the insight or the breakthrough thinking, which basically unlocked a kind of creative and commercial solution. And I think a lot of the time we saw people talking about the insight and the idea almost in the same way, and I think it's really important that you not sort of conflate those two things. I think an insight has to be a powerful but also really critically a surprising truth about human behavior and kind of how and why we act, think and feel the way that we do. And I think when you have a genuine insight, it is a massively powerful springboard. But I think too often people either post-rationalize something or just make an observation about something which is a fact and are under the misunderstanding of that being a genuine insight.


So very good afternoon to all the people who have joined us here for the entrepreneur power talk on planning the future for prop tech 2020. It is indeed very different times than what we have known in 2020 started. And to the point where six months down the line, we are very thinking very differently about all the businesses and about all the ventures that we have been running so far. Now real estate if you look at it as an industry has always been very resilient. So no matter what financial depressions what stock market depressions have happened, real estate industry has always bounced back. Indeed, it is also one of the highest employment generators across the world, both from a construction point of view as well as from real estate selling point of view. So, but I think now COVID-19 has been a very different experience for the industry as a whole, because it talks about lack of human contact, which is very important, which puts sort of different dynamics to the entire real estate industry. And in one sense, I think it has also related the changes that were anyway happening in the real estate industry because of technology, which were related to the digitization of the industry. I would say that the digital genie of the real estate industry is now really out of the bottle. And therefore it's only going to create the COVID is only going to create a tailwind for the property sector. From a trans point of view, I would say that the commercial real estate, let's wait for five years. And I think commercial real estate history is going to be rewritten for it in terms of how commercial real estate buying or selling is going to happen. How people would now invest in commercial real estate, I think particularly from retail stores perspective, a lot is going to change. I don't know if brands would want to really be opening as many retail touch points as they used to. And at the same time, I think corporations, they've always looked at big, large hefty corporate offices, more as a strategic asset rather than only as a workplace for the people that might also take a large shift. On the hindsight, if you look at it, people are now going to look at their homes very differently. Homes are going to be bigger, larger, with spaces actually cut down for offices within these homes itself. And more importantly, I think there was a big trend that was happening, which was around renting of homes. It's now probably going to shift to buying of homes and buying of bigger homes than people were used to previously because remote working is now really truly entrenched between us. So I think given some of these trends we've joined by Mr. Dhruva Garwal who of Ilara Technologies, he's here and we caught him here in Delhi this time. And we wanted to speak to him about what he feels about the prop tech sector, you know, with such under his leadership prop tiger has grown exponentially. And also, of course, they made acquisitions of Macan.com very recently along with a lot of other housing.com as well. But what is important is how they're looking at technology today, you know, to make sure that the real estate business continues to grow and thrive. So welcome, Dhruva. And thank you very much for joining us here today. Thanks for having me on the show. Really appreciate it. So you know, I mean, particularly let's start, let me start by asking you this, that how do you see the COVID has brought different opportunities for the real estate sector, particularly from the technology standpoint. How do you see the real estate sector changing and adoption of digitization changing amidst and post COVID. One of the things that we've noticed, you know, which was a very pleasant surprise, we did a consumer survey recently, it was jointly commissioned by housing.com and Redco, which showed that real estate has once again, you know, emerged as a preferred asset class for investors and people in general, you know, over gold, over fixed deposits and, you know, over the stock market. I think that's to be expected just given what we've seen, you know, in terms of the stock market being highly volatile post COVID. I think that's, that's, you know, I think one positive aspect of COVID. I think, you know, the challenges which obviously the industry is facing is in terms of, you know, by demand, I think at a latent level is still very strong. I think people have put a hold on their buying decisions for the next, you know, six to 12 months, just to kind of see how the situation evolves with regard to COVID. I think, you know, in India, as you yourself pointed out, the sector has been very resilient because there is a very strong latent demand because of the structural, you know, urbanization that we see, you know, in the country.  All of us professionals leading our lives, you know, pretty much on zoom and other similar platforms, and not to mention, you know, grocery and, and you know, other essential items.  And that applies across categories and I think real estate is no different. You know, what what we found that there is a clear opportunity for real estate companies now to market their products online. You know, we as an organization, along with many others have have instituted end to end processes for people to actually buy online.  There are webinars being conducted along with developers where you know questions are being answered. You know, we've done live drone shoots of the site of the sample apartment. We pretty much answered whatever questions you would ask during a site visit. We've done 3D walkthroughs enabled enabled you to shortlist the property online and also make a payment in case you know, you made a decision to buy.  I think now is is a very, you know, near term reality and we are seeing it happen. Even on the rental side, I think all the way from signing a rental agreement online to doing the walkthroughs online, but then ultimately signing up for packers and moving services, etc. And payment of rent is all happening online. So I think you've got to start seeing many, many processes which I think were happening online in bits and pieces start to happen online. You know, across across the value chain. Having said that, what I wanted to also add is that at the end of the day, you know, real estate is the single most, you know, important purchase decision of any families, you know, in their lifetime. It happens at best once or twice and it is always the most expensive purchase decision they'll ever make. So I still believe that people would want to, if circumstances allow, would want to go and visit the site at least once before they make that decision. So I think what online is going to do dramatically different is that, that, you know, previously you may have gone and visited five properties and, you know, made your decision. Now I think you'll shortlist to maximum one or two using all the online tools available, you know, pay a quick visit and then transact and close the transaction online. But again, you don't need, you know, human interaction to do that. I think that's, that's, you know, going to be a fundamental shift, you know, as far as technology is concerned, especially on the sales and marketing side. Sure. You know, I was trying to sort of figure out yesterday that if from a consumer's perspective or purchase decision of real estate has to be made. There are many factors that I would, I mean, if I were to think of myself as a buyer of real estate, particularly let's say a home, I would have many questions in my head to look at. I mean, I thought that three were very important to me, besides many other. I mean, I would love to know what is more, what is the community around me where I'm going to buy a home or a place to live.  So one thing was of course find the property itself. But more importantly, it's about understanding, you know, what is there in that community, whether there's a hospital, what school, you know, what kind of people am I going to be living with, which is where I think going there and actually meeting and sort of greeting people was always more important. So you know, what, what does prop tiger do to make that experience possible to know and help the customer know online or through digitally about what kind of community are they going to move into.  But a large number of new launches are happening in areas where social infrastructure is sort of slowly and, you know, gradually building up.  Well, I think you get a good perspective in terms of, you know, what's out there and, you know, in the neighborhood, you know, you can do searches on housing.com, for example, around, you know, whether schools are nearby or not, you can put in your place of work and see how far the properties from your, you know, place of work. Plus, there's lots and lots of information around the neighborhood, the locality, what social infrastructure is available. And I think the digital medium naturally lends itself to making it easy for consumers to access this kind of information. Even if you go to the site, you will not be able to get a perspective of all of these things unless, you know, you kind of take a 60,000 foot view, and I'm looking at it holistically.  But in terms of information, you know, price trends in the neighborhood, what infrastructure is about to come up, which today may not physically be visible, etc., etc. All that is very easily accessible on the digital media and is available now as a basic hygiene factor, not only on PropTiger as I said, but on pretty much all technology platforms. And which is why digital is so powerful, you know, as a medium for people to buy real estate. I mean, recent research shows that almost 70% of all real estate transactions actually get initiated online. Even if the consummation happens offline, but the initiation happens, you know, online, 70% is a large number, and it's only going to go up, you know, post-COVID in the coming few years. And I mean, you know, how do you sort of educate the customer about the construction quality out there? I mean, how do you tell them about it? One of those things is obviously, you know, it becomes a lot easier when the builder whose, you know, property is under discussion, that builder has a track record.  And stuff like that, right? Also track record in terms of completion, how long builders typically take to complete a project, that is a big concern consumers have. Even if the quality is good, they want it in a timely fashion. So all that I think is something which, you know, builders obviously, you know, with a track record, it becomes easier for us, you know, as channel partners to kind of demonstrate. Because proof of the pudding isn't eating it, right? I mean, irrespective if it's a completely new builder, even despite all the diligence we do on the developer, it's hard to predict which way it goes. But at our level, what we do is, we do a lot of diligence upfront, before we actually market something on behalf of a developer. We are not convinced about a particular property's quality, the track record of the developer, the ability for the developer to complete a project, we seldom take it on. And, you know, we've learned the hard way, you know, in the early days of PropTiger eight or nine years ago, you know, we made our mistakes in terms of, you know, working with certain developers who did not keep up with their commitment. And of course, there was a situation then when even some very well known developers couldn't, you know, keep their commitments, because of, you know, a huge sort of financial challenge in the industry overall. But now we become a lot more careful. And, you know, we try, you know, everything we can upfront to ensure that the developers we work with, you know, are credible, have a good track record, and ultimately will not let consumers down. Absolutely. And how do you, I mean, so having said that, do you think it's easier today on a digital platform to be able to, to be able to sort of showcase properties which are by more trusted builders than to show off, I would say more stand and own properties or, you know, single one of properties in that kind of thing. So look, you know, at the end of the day, I think that is part of the responsibility of every platform, you know, is to showcase whatever is out there, and be as comprehensive as possible. So I think from a portal perspective like on housing.com, it's important that, you know, consumers get a perspective of whatever else is out there, and then, you know, make a judgment for themselves in terms of, you know, what they like.  So a consumer may come to PropTiger that look, hey, we want this particular project. But we may or may not be able to help the consumer with that particular one, and actually educate the consumer that look what you're looking for may have these shortcomings. But, you know, there is something else, you know, meeting exactly the same, you know, parameters that you have in mind with a much better developer with a better track record. So that is the help we provide. But at the same time, you know, it's important for us as an organization to showcase everything which is out there and give all developers an equal chance to kind of demonstrate their credibility.  You know, if you as a consumer do not select a certain developer for a reason, the developer wants to stay in business, they will raise the bar for themselves. So it's our fundamental duty to kind of, you know, improve the industry overall. So I think it's only fair to showcase everyone, but then, you know, do some curation and guide the consumer as well. Absolutely.  So how do you help a consumer project capital gains that are likely to come out of that particular property?  I think that's a very dangerous, you know, way to sell property. Because at the end of the day, we all know in the stock markets as well, everyone talks about that, you know, the past is no indication of the future. Right. So again, you know, what we can do at best in terms of pricing and capital gains is we can share trends, or what's happened in the past. You know, we can talk about what the economic situation is. And, you know, in a way say that look, the economic environment is such where real estate overall as an asset class, you know, should do well or not do well. But it's hard to kind of, you know, put a, you know, finger on a number and say this is the capital gains to be expected. I mean, that's a very dangerous way to kind of, you know, lead consumers to buy something. Sure. I would also request our attendees who have questions kindly please post them in the Q&A section and not in the chat group so that we can ask those questions and in fact give you the mic at some point of time in this conversation. So going forward, you know, I was talking recently to a very notable real estate figure and I asked him, you know, how is the industry going to be impacted in terms of, you know, because it's such a human industry, there is so much construction which is done by labor and then more importantly, the whole real estate sector. I mean, I say that, you know, in India, everybody is a real estate broker because if you know that there is a property and you know that there is a buyer somewhere, they just would, nobody needs a certificate to become one as a real estate broker. But you know, the point he made was that today it is not about, you know, it's not about technology replacing the broker or the real estate agent, but the real estate agent who does not digitize himself or does not adopt technology would get replaced. So I thought that was a very profound statement. But now given that, how do you see that adaptability happening? Because most real estate people are not that savvy with technology, they don't know how to adapt technology that often. So you know, how do you see, do you see that happening first of all? And I mean, if it does happen, do you see more competition coming in Proctec as a sector? See, look, you know, I think there were two points you made.  And second, if not, you know, do they, do they, you know, need to become more digital savvy, you know, in order to avoid getting replaced, right? So look, I feel once again that, you know, real estate, again, as I keep mentioning, you know, the single most expensive purchase decision of your life, right? It is the, you know, it is a once or twice decision of your life, highly emotionally charged. All family members get involved. And people are pretty nervous about it, especially first time home buyers. So having an intermediary sometimes who kind of walks through the process, you know, answers questions for you. If not anything, you know, acts as a sounding board is very important. I think, you know, for, for, you know, for the sector. So which means that brokers will be required. We've seen this happen globally, that, you know, brokers continue to play a very, very important role, you know, in intermediating real estate transaction. That I think is something which I don't see imminent in terms of changing, right? However, I think what, what, what you kind of said is a very important point. At the end of the day, the entire world is becoming more digital. Now it's not about whether you want to use digital or not, you have to be digital. Across industries, and if you're not, you're simply going to get, you know, eliminated, because you just won't be competitive. So I think that's going to be, that's going to be a survival of the fittest amongst brokers. So they're more digitally savvy brokers will, you know, take, you know, higher market share and become stronger and the people who fail to adapt, right, you know, will, will sort of move out of the industry. And I think the good news is the good news is many of the naysayers, even amongst, you know, in the real estate industry, I think now have realized, when I say naysayers in terms of technology adoption have themselves firsthand experienced the power of technology, you know, in these, you know, close to 90 days, you know, since the first lockdown happened. And the reliance on technology has gone up so much that I think everybody has become a believer in my opinion. So I think you're going to start seeing that this resistance to technology adoption amongst, you know, in amongst channel partners, brokers, others, I think now we'll get swept away and you'll find a much more digitally savvy, you know, broker community going forward. And you know, don't underestimate the broker community. I think the, you know, the community has survived and thrived through all the ups and downs, and has only grown stronger. And I think, and I think that this is a next big opportunity for real estate brokers to become even more relevant going forward by adopting technology, you know, they can use, they can use the power of technology to look a lot smarter. In terms of, you know, how they come across to the to the clients, they can showcase data, they can show information, whatever portal showcase, they can use the same technology to showcase that to their clients. And you know, win, win their trust, they can increase their efficiency, so that they become more productive and actually become more profitable. So I think real estate brokers should look at technology, not as a threat, but as an enabler for them to become more efficient, more smarter and more relevant to the clients. Absolutely. And I mean, so some basic functions that they have to sort of do immediately, what would you suggest to them? Look, I think one of the things, you know, in my opinion is that we still find a lot of resistance, you know, among some brokers to market online, right. And you know, one is trying to, you know, optimize budgets and things like that. I think the most important thing is, you know, trust the online channel, market yourself on the online channel. When the leads come in, I think that's where, you know, starts to break down, where sometimes people just take a long time to connect with the clients which come in, you know, you get flooded with 100 leads. And, you know, what you end up doing is you end up calling a couple.   So time to first contact is crucial in closing. And I think many of the channel partners miss out on that. So without a proper digital tool to help you with that, it's very difficult. So AVE, you know, one, as I said, is online marketing. Second is, you know, CRM. Third important thing is showcasing property. I think a lot of brokers still hesitate in terms of going to the apartments they have, which they are representing and taking good pictures, you know, taking videos and putting them on either, you know, their own, you know, platforms or sharing it with their clients or putting it on portals. I think, you know, this is something which is an asset for them, because if they once taken the picture and a good video, they can use it across multiple channels. That would really urge people to do that, improve the quality of your listing because, you know, as a portal, we've clearly seen that, that the conversion rate, you know, for your particular listing as a channel partner becomes way higher. If the quality of the information, if the quality of the pictures, if you have a video, all that is there. So that is very, very important terms of becoming more digitally savvy, right? And then, as I said, you know, just showcasing, showcasing information and data, which again, I think is best shared, you know, using the digital media. But do you feel that, I mean, considering so much digitization happening in PropTech, is the market going to get more competitive? And of course, since everybody is selling digitally, the leads are going to be divided among so many players and we have seen it in other industries too. Look at e-commerce, there's a flipkart and then there are so many, there's a big basket and then there are also so many small, small e-commerce players, hyper-local e-commerce players who come out regionally. So given the fact that the market is looking to become more competitive, what kind of deep tech tools are you going to use at PropTiger and Housing to, you know, be ahead of the game?  You know, if I look at the US real estate market, you know, PropTech is one of the hottest sectors there. And the number of new startups in PropTech, you know, doing, you know, various different things is very, very high. And it's a very active sector, very vibrant sector. In India, I can, you know, count on my fingertips the number of, you know, meaningful digital players we have. So markets very, very large. And I think that there is so much of opportunity that not only, you know, will the existing players do well, there is tremendous opportunity for new players to come into the PropTech space, because the market is very large. I think what we've seen, Ritu, is the last, I would say six or seven years, you know, for real estate and industry has been very tough, you know, for various reasons. I think first there was this, you know, big correction in demand which took place, you know, in 2013. And that was largely driven by, I think, a boom which sort of, you know, ran out for too long and went far ahead of itself, right, both in terms of pricing, supply and all of that. But that I think had to kind of correct itself. Then of course there was structural things, you know, which happened in the industry, you know, right from demonetization to the industry needing to adjust to the new GST regime, RERA regime, then of course the crisis, you know, in terms of liquidity, you know, because of NBFC and so on and so forth. So, you know, the underlying industry has gone through a very tough time, which has made the ability for some of the PropTech players also to do well. It has undermined that because, you know, the underlying industry is not doing well. How do you grow? Because the customers are not doing well. So I think that has been, I would say, one big factor in preventing, you know, the vibrancy in PropTech that we've seen in other sectors and also the kind of capital flows we've seen from tech investors into PropTech. And I think that's going to change. You know, real estate tends to be a long cycle industry, you know, because just the sheer nature of the industry because it takes long to respond to demand because construction has a certain finite lifetime and so on and so forth. And it's very capital intensive. So which is why it's a long cycle industry. So we tend to see long cycles on the way down and long cycles on the way up, right? I think that, you know, once the momentum comes back into real estate, you know, once, of course, the COVID scare is over. And of course, you know, how the industry emerges will be very different because there will be some shake out especially, you know, for financially weaker players both on the PropTech side as well as, you know, on the real estate developer side. I think once the tailwind comes, you'll see you'll see a lot of opportunity for PropTech players, you know, over the next, you know, five to 10 years. So I don't frankly see this as a very competitive industry at this point and there's room for many, many players. Sure. In the light of what you just mentioned, I know that recently the union minister, Mr. Piyush Goyal mentioned that developers should actually cut prices and make them more realistic way for developers. So developers can survive so they should basically cut down their prices. So do you think that is viable or do you think that it's better to hold on to the inventory and wait for the market to have a correction? Look, you know, this is a question which, you know, I think every developer has to answer independently and individually, right? This is a balance sheet issue, frankly. If you have a strong balance sheet, you have strong cash flows, you have access to cheap capital, and you can afford to hold on, you'll hold on. That's the business decision, right?  So it's an individual decision. I don't think it's a sector-wide problem where everybody's going to drop their prices and start selling, right? And there are enough strong developers out there who don't need to do that. But on the other hand, there are enough developers as well who might be better served by just, you know, giving discounts and tearing inventory so they can actually survive this downturn and then come back strongly at a later time. Sure. So we've just got questions also coming in. So there is one question which has come through Facebook by Nishi Chaudhary who says that when one visits a property website, she starts getting calls from associated services such as packers, movers and so on. So what are the data protection practices which are today existing on digital platforms? Look, I think it's a question of what you've signed up for. I think all platforms are very, very careful about sharing your data and sharing your information. If you have indicated on the platform that you don't mind your information being shared with other agencies, whether it's mortgage providers, whether it's packers and movers or other service providers, that data is not shared. So it's only if you've opted in does the data get shared. At least I can speak, you know, for our platforms, but that's my sense for all other platforms out there as well. Okay. So I think we've got another question here who's actually been sending us quite a few questions is Mr. Manjeet Singh. If we can pass on the mic to him please. Mr. Singh, please unmute before you ask the question. Yeah, good afternoon. How are you, sir? Very good. How are you? Okay, doing well. Yes, sir. Sir, I wanted to check on two things like now this new, I mean, the new life trend, I mean, which has emerged. Will this trend towards making an integrated township so that in the event any pandemic situation or any war like situation happens. So that people are inside their campus and self-sufficient and they should not come on the road. Will that happen now? Will that trend emerge? Including in rulers. Sorry, including in? Ruler, in villages. Okay, got it, got it. Look, I think it's a great, great question, Manjeet.    And many, many young people, you know, given the nature of the gig economy that we have, would also consider saying, look, you know, why do we need to invest in a big asset?  I think that, you know, you might see a change as people will realize that, look, homes, you know, are a safe haven, and you need to ultimately own your home. So if somebody was thinking of never buying a property, they might say, look, we'll do it after five, six, seven years. I think home ownership as a result of the pandemic, I think will ultimately go up. Second is the nature of the home will change.  Again, spaces in the, in the development where they can go out and, you know, have play areas, walking areas, you know, workout areas so on and so forth. Which again, you know, in a situation like the pandemic gives them that ability, you know, to kind of access those without the risk of having to go out. To answer your question, I think people will, you know, look at, you know, when they're looking at making the purchase decisions, will look for many of these facilities which an integrated township would provide.  So yes, you know, self-sufficient communities will, I think, find favor with consumers going forward.  Of course, just given, you know, availability of space in big cities, you're going to see those happen in the periphery of big cities. And then smaller towns as well, you know, where space availability is higher. And I think this will also get facilitated by, you know, another shift we are seeing, which is, you know, work from home, where people would not necessarily need to travel to the center of the city for a job, or to big, or even go from small city to a big city, you know, for a job, because they could accomplish what they need to do, you know, remotely. Sure. Thanks, Minjit. We have the next question coming from Neeraj. Thank you so much. Please unmute Neeraj and ask your question. Hi, Neeraj, how are you? I'm good, how are you? My question is gaining this is the most important thing when you buy the flat or property. Could you just repeat that, please? Gaining trust, buyer trust. Okay. It's the most important thing for us broker, but when I'm not meeting to any broker personally and not, not visiting any, any property as well, then how, how, you know, how it is possible that the property will be real or not?  You know, as I've constantly maintained that it is the biggest purchase decision, you know, of an individual's life, the most expensive and maybe one or two time purchase decision. I mean, why would I not make the effort of going and visiting a site, you know, when I'm, when I'm spending anywhere from 25 lakhs to 2 crores, right? And depending on, you know, what, what property value I'm looking at, it's all expensive and, you know, pretty large ticket sizes. So I wouldn't advocate not visiting. I think what, when we talk about the process moving online is concerned, I think one, especially, especially for, you know, new homes, where, where, you know, the property, it's a new launch, right? You may be familiar with the area, you may drive through the area, you might, you know, you might get a good sense of the developer's reputation. I think you could conduct that entire, you know, sale online.   But you don't need to go visit 10 properties now, because you can do very effective shortlisting online. And then, you know, you are very efficiently managing your time on one weekend, you can go visit these two properties and take, take a purchase, make the purchase decision. So, so I think that it's, it's, it's not difficult, you know, to execute a purchase transaction in this fashion. And secondly, for building trust, I think as I said earlier again, it's very, very important to research on the reputation of the developer, see the developer's track record, and then make the purchase decision. And today that information is widely available on, on multiple platforms, you know, for, for real estate. Sure. Our next question is coming from Hussain. Is Hussain online? Please unmute Hussain before you ask. Yes. Go on, please. Hello. Yeah, go on. Good afternoon, sir. How are you? Good. Thank you. So I want to know if people are having in these days, it's a very tough time. If people have properties to sell their bank loan is not available. How do they move on? Because I myself am having a property right now and I'm urgently in need of money. I'm trying to sell the property for quite a long time. But since bank loan is not available on that property, how, how do people go on to buy it also for the buyers as well as for the sellers? Sure. So look, I don't know exactly, you know, what, what, what the property under, under consideration is, you know, there are certain properties which are not approved by banks.  So I don't, I don't know that. But in general today, you know, home loans are available. Home loan rates are at a all time, I would say if not an all time, but at a significant multi-year low. So clearly, clearly, I think, you know, availability of home loans should not be ideally a deterrent, you know, in, in somebody buying a home, as long as the property is credit worthy, as well as the buyer who wants to take the home loan. They have the adequate credit track record to be able to access home finance. But for people, you know, who have the right credit track record, the right credit history, it's one of the best times to take a home loan because interest rates as I said are at a multi-year low. So just to ask what Hussain asked, Dhruv, do you see this as an opportunity for a prop tech companies to be partnering with FinTech lending companies to make this financing easier, particularly in smaller cities? My question is, my question is different. Actually, I don't think my question has been understood very clearly. There are certain properties, a lot of people are holding properties which they want to sell, but which are not approved for bank loan. Like maybe their assessment has not been done. So since assessment is not done, it is a government's problem, not the property holder's problem. There is some dispute going on between the corporation because they are not doing assessment for those properties. Because the assessment is not done, the tax is not collected for the property, they are not getting a bank loan. What do those people do? Because that is a problem for both the buyer as well as for the seller. The seller is holding the property, he wants to sell it, the buyer wants to buy the property, but he cannot get a bank loan. So what is the solution for this problem? You get my problem, sir. Which is what I said, there are properties where there are various reasons for why banks don't approve those properties as being eligible for loans. That is a challenge. I think on the buyer side, the buyer really wants the property and that particular property sometimes is unfortunate. The buyer wants to buy the property, he is ready, but he doesn't have the funds to do it. Agreed. The only advice I can give is to look for another property where a bank loan is actually available. That is the only solution because there are lots and lots of properties available out there today on which you can get a bank loan. So to the buyer, I would advise, look for those properties which are available within the budgetary requirement you have and get the bank loan for that. Unfortunately, sometimes we just cannot get everything we want and we have to be practical about what is available and on which bank loan is available. I can understand for a seller it's a challenge because you are stuck with the property because you're not being able to find somebody who can avail of that loan. I think that's an unfortunate situation to be in and I sort of commiserate with you. But again, it's something where I think once the dispute is settled, I think things will start moving. Okay, but do you see this as an opportunity for financing group between a PropTech platform and a FinTech platform coming together? So I think, you know, Ritu, that this already happening, most of the PropTech platforms out there have relationships with banks and financial institutions, which allows consumers coming onto these PropTech platforms to get access to these financiers for home loans. So it happens on housing.com, it happens on PropTiger, it happens on Macan, consumers who opt in for a home loan have the ability to work with banks, multiple banks and NBFCs to avail of loans. And there also, I think there is a bit of curation which happens where we are very careful about who we partner with in terms of what their interest rates are, what the credibility is, what their other loan, upfront loan fees are. And general reputation before we get them onto a platform. But I think most platforms today have relationships with FinTech companies to provide financing to buyers. Yeah, but I mean, such odd situations like the gentleman just mentioned, do you think that is something these relationships can manage? So look, this is a very odd situation where obviously every financial institution has an underwriting criteria, as long as a particular case meets the underwriting criteria, there is the job of a bank and a financial institution is to lend. But they do have to lend within certain underwriting constraints. So if that is met, I'm sure, and we've seen it across the board whether it's in terms of personal loans, whether it's in terms of home loans, you've seen it in the past in the US as well, where in 2008 we actually had an entire crisis driven by subprime loans. This is an example of a subprime loan where there is an issue with the property and there might be a financier who's willing to finance it. But there could be a challenge later on, because if there is a default, then you can't really do much with the property because of the dispute. Absolutely. So the next question comes from Manvendra Jha from PTI. So you're actually talking to the press now. I wasn't sure that the press is going to be there, but happy to answer. Is Manvendra online? Please unmute, Manvendra. Please unmute. Go on, please. Hello. Yes, we hear you. Hello. We hear you, Manvendra. My question is, you said PropTech has not, PropTech companies have not received much investment in last, I will say in the last 10 years. So do you have any figure how much they have received so far in the last 9 or 10 years? You started your company in 2011, I think. And what is the outlook for the next five years? How much they have received so far and what is the outlook for the next five years? So look, my sense is that in terms of, I don't have an exact number on what's being received, but I can tell you very safely that all PropTech companies put together have received less capital than let's say whether it's e-commerce, whether it's food tech, whether it's online groceries and many other sectors. However, I can share my thoughts on what lies ahead for the next five years. I think that real estate, as we all know, is 6 to 7% of the GDP of India and for most countries it's a similar number, anywhere between 6% to 8 or 9%, depending on which stage of growth you are in terms of development. It is the second largest employer in India, so it's a massive sector. So ultimately, with the adoption of technology in every single space, including real estate, I think that it's just a matter of time before we start seeing a lot of inflow of risk capital into PropTech. So I believe that the next five years, as I mentioned earlier in the show, we can expect large sums of capital to flow into this space. Again, I don't want to put a number because it's hard to pinpoint an exact number, but I just feel that the perception which investors have about PropTech, having not scaled, having not kind of delivered on the promise it had, I think will significantly change. And as I mentioned to you earlier, there's a reason why this perception is there. I think the biggest reason has been the challenges the sector has faced, the underlying sector has faced in the last six or seven years. I mean, you look at the state of the industry since 2013 and you just sort of draw a line and you'll see it's a downward line in terms of sales with a few sort of bump ups which happened once in a while in a quarter. And then every time the sector has looked to come back, I think in the last three years we've had to adjust to multiple events. And as I mentioned earlier, demonetization, the adjustment to RERA, GST, the NBFC crisis and now COVID. But I think that the most important thing to keep in mind is underlying demand for real estate is very strong in India because of the average age of the population, because of urbanization. And because of that, real estate has a very, very bright future going forward. You know, post COVID, you know, we will see an industry shake out where in some of the weak players will either integrate with the stronger players or go out of business. I think what will emerge will be a very strong industry, a very transparent industry, a very well regarded industry, which I think will be the right foundation for prop tech companies to do very well and then raise far higher amounts of risk capital going forward. Sorry for the long answer, but I hope I have answered it. Thanks, but you know, just to add to what Manavendra asked, I mean, where do you think if the capital were to be raised today and if funds were to come forward, where would you want to deploy this capital currently? So look, you know, there are, so prop tech again, as I would like to say is not simply about sales and marketing of real estate. You know, prop tech is applicable across the value chain. So all the way from, you know, technology adoption in design to, you know, construction, to construction monitoring, to sales and marketing, to property management, to portfolio management and financing of properties. Across the board, there is the application of prop tech and we've seen that with, you know, global companies. So, as I said that, you know, moment you start, including the adoption of technology into the planning design, construction and construction monitoring stage and property management, the size of the pie becomes, becomes massive. So, so every piece of the value chain today has an opportunity to observe to absorb further capital. Okay, so the next question is coming from Mr. Sushil, Sushil Chavanikar. Can we please have him on the mic? Okay, I don't see him coming online, but I can maybe look at his question right now and read it out for you. Okay, Abhishek Anand is next. In the meantime, we'll find his question. Can we give the mic to Abhishek? Please unmute Abhishek. Go on, please. Drupal, good afternoon. I just wanted to understand what is the consumer sentiment like at the moment? Are people willing to buy properties at this juncture or are they waiting, willing to wait for some six to eight months to take a buying decision? So look, you know, Abhishek, good afternoon. Thanks for the question. No, we recently did a survey, Housing.com, along with Naredko released actually a report coincidentally yesterday.  We found that there were only about 19% of the respondents who felt that they were going to put on hold their buying decision, you know, indefinitely, where they had no visibility on when they would want to buy. But a good 81% said that between, you know, now to the next 12 months, they would hold off on their decision, but would then ultimately ultimately buy. So just given the nature of the pandemic, the disruption which it has caused, both in terms of, you know, the humanitarian crisis which it has unleashed, the supply chain disruption, the demand destruction in many, many sectors. And the fact that, you know, despite, you know, the lockdown, the virus continues to sort of grow at a pretty brisk rate, or the number of infections, you know, continue to grow at a brisk rate. I think people want to wait and watch. They want to see how this thing pans out. Is there going to be a vaccine around the corner or not? Are the infections going to start coming down? So what's going to happen? You know, is the overall economy going to come back on its feet? Will people retain their jobs? Will they experience salary cuts? I think there's a lot of uncertainty at this stage, you know, which is sort of holding some people back from immediately pulling the trigger. So my view is, as I again mentioned earlier, the latent demand is extremely strong for various structural reasons, you know, in our country. So it is only normal to expect that, you know, people will, you know, still buy, but not buy immediately. And depending on how the situation emerges, which is, you know, I would say evolving on a daily basis, people could very easily change their minds and start buying sooner. If we start seeing, you know, positive news on the horizon. And on the flip side, if we see that, you know, there's a second wave of the virus in other countries, lockdown start to happen all over again.  Who knows? Hard to say. But at this point in time, I think I take solace in the fact that, you know, latent demand is strong and very few, whatever the small minority have said, that, you know, at the moment they're just not considering buying anything. Thanks for your feedback, sir. Given that, how do you seek the industry consolidating? I mean, what kind of changes do you see in the structure of the industry as a whole? So look, one of the things where, you know, again, I think you kind of nicely asked a question earlier. I think the fact is that there are developers of all types, you know, in the industry, and with, you know, balance sheets of differing, you know, strength.   The weaker developers, unless they are able to reduce prices and sell the inventory and manage the cash flow in the short term, if they don't do that, they run the risk of either defaulting and, you know, filing for bankruptcy or merging with larger developers. So I think there will be a wave of consolidation where some people will just not be able to withstand this demand slowdown and will be forced to merge or, you know, might just unfortunately, you know, go under. But what I always believe is that this sort of consolidation, shake out process as I call it, you know, results in a much more healthier industry. And, you know, once we are on the other side of the crisis, I think real estate will emerge as a strong sector with strong players, transparent players, resilient players, you know, with strong balance sheets, who then I think will I think drive the next wave of growth, you know, in the industry. Sure. Thanks very much for talking to us through nearly out of time. We cannot take more questions, though they keep pouring in, but any final word from your side, I mean, about the sector or about things that you see or forecast. Look, you know, I think I think my view is that as I think you kind of nicely said it, you know, during our discussion that real estate has proven to be a resilient sector, despite, you know, all the events we've gone through in the last several years. You know, every time things something has happened, we've tried to bounce back, but something else has happened. I fundamentally believe that the overall, you know, structural dynamics of the of the economy, a young population, an urbanizing population, a country where I think we're going to see huge amounts of growth going forward, given that I think China will be seen very differently by the world in terms of, you know, investing, and we might see the benefits of that happening in India. I think long term, the Indian economy is on a very good footing. While on the short term, I think we are in the midst of, you know, a crisis, which we have to get out of, I think the long term prospects are very strong. And for any growth economy, real estate, as I said, is a key part of that economy, as I said, anywhere between 6 to 10% of GDP. So we have a very bright future ahead. We just need to keep our heads down and make make sure that we kind of make it through the crisis and come out on the other side, you know, with a business that survives, which we can then build on as as as the economy grows. Sure. Thanks. And I think it will be indeed be a balancing act for the property sector as well as the real estate industry as a whole to sort of balance their immediate needs of revenue and also maximize the long term opportunities that continue to exist in the sector. I mean, eventually, people will always look for home, people will always look for a place to work, and that is never going to go out of fashion pandemic or not. So eventually, there is no death of opportunity for the sector, but the opportunities will evolve. So thank you very much for joining us today. And I think that was a great talk. We kept you busy with myself as well as a lot of questions that boarded. But thank you for being so patient and answering them and taking them all one by one. We really appreciate your being here. If our attendees have more questions, please put them on our Facebook live link. We'll try to get through or one of his team members to answer more questions for you. But thank you for joining us. Do like our social pages and we'll keep you informed about more and more power talks and other talks that we keep on doing for the industry and entrepreneurs to help them be better. Thank you once again. Thank you to all the members who joined us today. Thank you. I really appreciate you having me on the platform. Enjoy the discussion very much. Thank you. Hopefully we actually meet in some real estate and have this discussion. Absolutely. It would be a pleasure. Thank you. Thank you so much for joining.


If you've been wanting to start dropshipping, but you don't want to deal with the tedious tasks of creating a website, marketing that website and going through all of that technical know-how that requires a bit of knowledge, then this video is exactly what you need. Make sure you stick around all the way to the end because I'm about to show you the easiest way that you can start dropshipping. What's going on, everyone? Mario here with AutoDS. And in today's video, we're going to be talking about how you can get started dropshipping on eBay. Before we get started, I do want to remind all of you that on this channel, we talk about anything and everything dropshipping related. We talk about the best products to sell, as well as how you can start and scale your own dropshipping business. Now, if that sounds like something that's interesting to you, make sure you hit that subscribe button as well as ring that little bell notification so you don't miss out on any future videos. So if you aren't subscribed, just make sure you do so so you can become one of the almost 80,000 members that are finding value in our videos each and every day. All right, let's go ahead and get started. So for pretty much as long as I can remember, eBay has been the one stop shop to sell pretty much anything. You can sell things ranging from this charger to your TV. You can literally sell almost anything on eBay. At one point, I remember people were even selling bags of air from a Kanye West concert. So since you can sell so many things on eBay, why not dropship on eBay? So today we're going to do just that. We're going to go ahead and start dropshipping on eBay. And I'm going to show you step by step exactly what you need to do. So first off, the first thing that we need to do is create an account. We need to register with eBay. So let's go ahead and do that. So here I am on the eBay website, eBay.com. Now that's going to vary depending on your location. So if you're in Canada, it might be eBay.ca or if you're in the UK, it could be eBay.uk. So here we are on the eBay website. And the first thing we're going to do is click on over to register on the top left corner. So let's go ahead and do that. Now, once we're on here, it's going to give us a few different options to choose from. It's going to tell us to either choose a personal or a business account. If you're planning on selling, I suggest just go for the business account. So let's go ahead and do that. Let's choose a business account and let's choose a business name. This is going to be our store name. So I want to do something, let's say techie. I want my dropshipping store to revolve around tech. So let's do a bit tech, something simple, something that just quickly made up. Now it's for business email. I'm actually just going to put my personal email because I don't have one for this business location, United States. I only want to buy an eBay and I want to sell it. Nope, I do want to sell an eBay. So just leave this unchecked. All right, once we have that ready and filled out, all we have to do is simply click on create account. Now it's going to send me a verification email. I'm going to go ahead and open that up in that email. You're going to have a code. Just go ahead and type in that code and then click on verify. And that's it. Now it's asking us for username. We don't have to put a username, but it looks better on your profile page when you do have a username versus the automatically generated one that eBay gives you, which is a lot of the times buyer or seller and just like a bunch of different random numbers or letters. So let's just do the same name as our business name. All right. So eight bit tech. So I'm going to switch it up a little bit because all of the other ones were taken. So I'm just going to put eight bit techie right now. Go ahead and continue. And it's telling us register as a business seller to register. We're going to need an employee ID. So it's asking us to provide all of this different information, but we don't really need this at the moment. So if you read down here, it's telling us if your sole proprietor registering under your own name, you'll only need to provide personal and bank information. So this pretty much says if you're selling on your own behalf or as your own little business, then you don't have to provide any of this other stuff. So I'm just going to go ahead and click on get started. And do you operate your business as a legal entity? I'm just going to go ahead and put no, I managed my business as a sole proprietor. So I'm selling pretty much under my own name. I'm not selling under a business name or anything else. So when it comes time to do my taxes, I'm going to include all of this under my name, not under a business name. So now go ahead and continue. And it's going to ask me for all my information. All right. So we have everything filled out. Now let's go ahead and click on continue. It's going to ask me to verify my phone number. Now we're just going to go ahead and verify your phone number. And once that's done, it's going to go ahead and take us to this page where we're going to have to connect our bank account. Now this is something you have to do. And I'm going to go ahead and do that right now. The easiest way to do this is simply by choosing your bank and then signing in. So once we have our bank account verified and we were able to sign in, we're going to come to this page where we're just going to go ahead and confirm our banking details. Then we're going to click on continue. Then once more, you're going to be able to review and confirm all of your information, including your address, your billing details and all of that fun stuff. So once we're here, we're just also going to go ahead and click on confirm once more. So once all that is done, then you're going to be taken to your seller dashboard. Right here, you can see my eBay selling overview. But if you're not taken to this page, it's easy to get here.  Once we click on that, then you're going to be taken once again to that same seller dashboard. Now I know that I did mention that starting to sell on eBay is completely free and it is you can start selling on eBay for 100% free. But just so you all know, you do have the option for store subscriptions. These store subscriptions come in a few different prices and can give you a few added benefits. So as you can see, they start at $4.95 per month. And what this gives you is 250 listings per month, free auction listings or fixed price listings. And as far as insertion fees, those are going to be 30 cents per listing after you pass the 250. Now this starts at $4.95 and can go all the way up to about $3,000. Now this isn't something that you really need, at least not at the beginning. This is something that you can start looking into as you start to scale and grow your dropshipping business. Now, is it legal or are you able to dropship on eBay? The short answer is yes, but eBay makes it a little bit confusing, especially when you read their terms. So it's best to actually look into this for yourself because this can vary depending on the country that you're living in. But as for the US, this is what it says. So over here, it shows dropshipping where you fulfill orders directly from a wholesale supplier is allowed on eBay. So if you're sourcing from a wholesale supplier, then you can dropship on eBay. But however, listing an item on eBay and then purchasing the item from another retailer or marketplace that ships directly to your customer is not allowed. So what this is saying is that I'm not allowed to post a particular item and have targets in it to my customer. So if you're sourcing your items from a wholesale supplier, such as Alibaba, Aliexpress, CJ dropshipping, or the out of the S warehouse and private suppliers, then yeah, you can go ahead and dropship. But if you're dropshipping from a company like, let's say Target or Walmart, then you're not allowed to do that. And your account can get restricted or suspended or even worse, completely banned. Now, on that note, you're also not allowed to dropship brand name items. So you're not supposed to be dropshipping things like AirPods or Nike shoes. Now, if for whatever reason, your account does get suspended or restricted or even banned. There are sometimes ways that you can unrestrict or unban your account. You will have to contact eBay's customer support so that way they can help you out with this. If you want a bit more information on that, just go ahead and check out this video. It'll be linked down in the description below. Or it's also going to be linked in the cheat sheet. Now, I didn't mention this at the beginning, but I'm letting you all know right now I have a cheat sheet to go along with this video in it. I'm going to be covering all of the different steps that I'm mentioning to be able to start dropshipping on eBay. Now, if you want access to that cheat sheet, all you have to do is go ahead and comment down below hashtag eBay dropshipping along with your takeaway from this video. Once I see that you want to head and commented, I'll go ahead and reply back with a link to the cheat sheet. Now, on that note, it's also really important to keep track of your emails because if your account is restricted or suspended, then eBay might potentially send you an email asking for some information. So they'll probably ask you for proof of address and proof of your name. Another thing that they can potentially ask for is proof of ownership of a certain item. So if you're dropshipping, let's say a type of shirt and eBay asks you for proof of ownership for that shirt. Then what you can simply do to get around that is just go to the store, purchase a similar item to the one that you're dropshipping and upload that receipt. Now, it's also important to note that as a new seller on eBay, you are more than likely going to have some sort of seller limit. Typically, this seller limits come in the form of 10 listings per month and a maximum limit of $500 per month. So what that's pretty much saying is that you can either sell 10 items per month or $500 per month. So whichever one comes first, whether you reach the 10 item selling limit or the $500, that's pretty much going to be all you can do for that particular month. Now, there are a few different ways to get around this. For one, you can easily contact eBay and talk to them about the limits. For the most part, they will be able to help you out and increase or remove the limits altogether. If you want more information on selling limits in the cheat sheet, I am going to have a link to a relevant article that explains the entire thing and how you can get around them. Now, back to actually selling on eBay and creating our store and getting everything up and running. The next thing that we need to do is probably one of the more important parts of the entire dropshipping venture, and that is product research. We need to make sure that we have some of the best possible products to offer. So that way we can start making some sales. Now, the first tip that I'm going to give you when it comes to finding products for your dropshipping store is add as many as you can. When it comes to eBay, eBay is a numbers game. The more products you have on there, the more likely you are to find a buyer. And I'm not talking about 10 or 20 products. Try having hundreds and then start building that up to even the thousands. Now, how do you conduct proper product research? And how do you find products that are actually going to sell? Well, there's a few different ways that you can do this. For one, you can check social media. So if you're on Tik Tok, you can go ahead and search up hashtag Tik Tok made me buy it and you can start looking through all of these different items and see which ones have the most views. Quick tip for this, look for the most recent items. So look for videos that have gone viral in about the past month. So for example, let's go ahead and check this ice cooler right here. So we're going to go ahead and open that in a new tab. It has 7.7 million views. So that means that this could potentially be a trending item. So let's go ahead and click on the seller's profile official minimalist. And as you can see, their entire page is dedicated to this cooler. So let's click the link in their bio. All right, so this is the air cooler fan that they're advertising. They're selling it for $40 down from $80. So the website looks pretty clean, looks pretty good, pretty much just like any other drop shipping website that I've seen. But that's not the point. The point is, where can we source this item from? How can we find their supplier? And that's really easy. Let me show you one of my favorite techniques to doing this. It's super simple. All you have to do is right click on the image and then go to search image with Google. After you do that, you're going to get this little pop up on the right hand side with visual matches. So what this means is instead of going to Google and typing in cooling fan, you're just searching up an image. So instead of searching up text, you're searching up an image. Now, from here, we can see all of the different options that we have and the different price variations. So you can see that the website is selling it for $39.99. Let's see if we could find it cheaper here. So we have $39, $32 on Amazon. That's already a couple bucks less. If we keep scrolling, actually selling it on Walmart for $71. Now, I think I found our winner. So right here, Aliexpress, $23.64. Let's go ahead and click on that. So in my case, for some reason, whenever I click on an Aliexpress link from here, it gives me the mobile site. If that happens to you, it's super easy to fix on the link. Just go ahead and remove the M dot at the beginning and then reload the page. There we go. All right. So this item, you can actually source it for $23.64 with free shipping. So just like that, we found one potential supplier for this fan. Now, if you want to find more winning products, another option that you have is on the same page that we're on. Just scroll down. If you scroll down all the way towards the bottom, you're going to have seller recommendations. These are items recommended by the seller because typically these are winning products and they've had some success in the past. Now, another option that you have is the out of the S marketplace and winning products section. So on here, you have the marketplace and you have the winning products. I personally like going to the winning products because all of the products that are listed on here have a proven track record. These have been trending in the past, have been selling and are currently actually making some sales. So if you scroll down, you can find tons of different items in a variety of niches. Now, let's say you find one that you like. Let's say, for example, this little model airplane. Let's go ahead and click on it. And on here, you get some useful information. So you have the different variations and you have the price as well as a profit analysis, a target audience that you can use if you decide to run Facebook ads, which for eBay, that's not really relevant. So we can completely skip that.  It'll be up in your store within minutes. Now, what you just saw me do was the automatic import feature on auto DS. So what that does is it'll just take whatever listing I needed to and import it directly to my store. I can take listings from AliExpress, CJ dropshipping or our auto DS marketplace. But it's important to note that that's not the only option you have to be able to import your products. You can import everything manually as well. So if you decide to do everything manually, you're going to have to go ahead and copy or save all of the different images, copy over all of the text, such as the titles and descriptions, as well as all of the different variations. Now, that's perfectly fine to do.  But remember that when you're doing five or six different products, it's OK, it can take a little bit of time, but ultimately it's pretty manageable. But when you start importing multiple products, maybe 20, 30, 40 products, it can get extremely time consuming. That's when features like automatic imports or automating your import process can come in really handy and save you a ton of time. And on that note, remember, eBay, again, is a numbers game. The more products you import, the more likely you are to make a sale. Now, that's pretty much all you need to get started dropshipping on eBay. The last thing I want to cover is order fulfillment. What do you do when you receive an order? Well, once we receive our first order, then we just have to go ahead and place the order with our suppliers and have our suppliers ship it directly to the customer. So you're going to go to your supplier, whether that be AliExpress, CJ dropshipping or whichever one you choose.  Then you're going to place an order for that item. But instead of putting your details, you're going to go ahead and put your customer's details. Once the supplier ships the item and provides you with a tracking number, then you're just going to go ahead and provide that tracking number to eBay. So that way they can provide it to your customer. Now, just like product importing, that's perfectly fine to do. But as you start to get more and more orders, it is going to start to get more and more time consuming. In this case, you can then also go ahead and implement automation. So AutoDS offers both fulfilled by AutoDS as well as automatic orders. Both of them are fairly similar, but they do have their key differences. So if you decide to use automatic orders, what's going to happen whenever a customer places an order on your eBay store is AutoDS is going to take that information and it's going to route it directly to your supplier. It's going to make the purchase on your behalf using your account details and your banking details. So it's going to use either your credit or your debit card. Then the rest of the process is pretty much the same. The supplier is going to ship the item out to the customer, but instead of you getting the tracking number and sending it to your customer or to eBay, AutoDS will do that automatically for you. So AutoDS will take the tracking number and update eBay as well as your customer. Now, if you're using fulfilled by AutoDS, it's pretty much the same process, but instead of using your buyer accounts and logging into your supplier on your behalf, AutoDS is going to make the purchase using AutoDS accounts. On top of that, instead of using your banking details, AutoDS is going to use a balance that you top up. Automatic ordering is extremely convenient and can really help save a ton of time, especially once your store starts scaling and growing. And that is how you can start dropshipping on eBay today. If you enjoyed this video and if you found that helpful, please make sure to leave a like as well as subscribe to the channel. Remember that on this channel, we cover anything and everything dropshipping, starting with the best products to sell, all the way to helping you scale and grow your business. Remember to get access to this cheat sheet with all of the information that I provided in this video. All you have to do is go ahead and comment down below, hashtag eBay dropshipping, along with your takeaway from this video. Huge thank you to everyone for watching today. Once again, my name is Mario with AutoDS, wishing you all nothing but success in your dropshipping business and I'll catch you all next time.


Stevenson finishes in a 1-1 draw with St. Mary's today at Owings Mills East, Glenn Clark with the head coach, Tati Korba. Coach, you know, this look like it might go the wrong way. They're late. What does it say about your team that they kept playing hard and dug in and found an equalizer late? You know, I think it's a situation where we're pleased that they pulled it back. Maddie's, you know, done a great job on corners. But I'm not sure that we, you know, should have put ourselves in that position in the first place. So, you know, pleased that we were able to salvage a point, but wish we wouldn't have been in that position kind of in the first place. That being said, this is a team that a year ago obviously struggled. You won one game, right? You're now, you've got results in three straight matches. You've played well here at home. Do you feel the progress early in the season as you start moving towards conference play of what you were trying to do to get things turned around with this team? Absolutely. You know, couldn't, aside from the record, it just couldn't be a more different team. You know, we were very young last year. Now we're not as young and a lot of our freshmen that are playing are playing like returners. And we've got a lot of depth and there's a lot of really good stuff going on. And that's what makes, honestly, a game like today a little bit frustrating because we are so pleased with what we're seeing in training and kind of where we are. Today was just a day that we kind of didn't really show up, but we're very excited about where this team is and the stuff that they've been doing. You mentioned, obviously, Ratina. It's not just to me the goals. It's that she is active everywhere. Did you know how good she was going to be so quickly? Kind of. You know, we knew she was a strong player, but the interesting thing is, you know, we brought her back and put her in the midfield, which she is not. And I mean, I agree. She battles. She sticks in. She, you know, moves off the ball while she reads things well defensively. She's just been a tremendous asset and not even in her kind of natural position. Wow. That's pretty impressive for a young player. Thank you coach. I never know how to say this after a draw. Like I want to say congratulations. It's a result. I don't know how we do this. Like maybe we just like high five or something and move forward. Alright, thanks coach. Appreciate it.  She's Toddy Korb. I'm Glenn Clark. Go Mustang Sports.TV.