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77-604 | MOS Using Microsoft Office Outlook 2007

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77-604 - MOS Using Microsoft Office Outlook 2007 - braindump

Vendor Microsoft
Exam Number 77-604
Exam Name MOS Using Microsoft Office Outlook 2007
Questions 160 Q & A
Recent Update October 17, 2018
Free PDF Download 77-604 Brain Dump
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77-604 exam Dumps Source : MOS Using Microsoft Office Outlook 2007

Test Code : 77-604
Test Name : MOS Using Microsoft Office Outlook 2007
Vendor Name : Microsoft
Q&A : 160 Real Questions

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It is great to have 77-604 practice Questions.
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Dont neglect to strive the ones real exam questions for 77-604 exam.
As im into the IT problem, the 77-604 exam, changed into important for me to seem, however time restraints made it daunting for me to prepare properly. The easy to memorize answers made it an entire lot less complicated to put together. It worked like a whole reference guide and i used to be surprised with the stop end result. I cited the killexams.Com look at guide with 2 weeks to move for the examination. I managed to finish all of the questions well beneath stipulated time.


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Take a smart circulate to pass 77-604
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Microsoft MOS Using Microsoft Office

Washington County college earns optimum flow expense in Utah for Microsoft office specialist certifications | killexams.com Real Questions and Pass4sure dumps

ST. GEORGE — in case you’re an service provider trying to find a person efficient in Microsoft office, you may well be shocked that a pretty good aid stands out as the halls of a middle faculty — notably wilderness Hills middle school.

barren region Hills center lately got the optimum pass fee for Microsoft office professional in the state of Utah for the 2017-18 faculty yr with 1,352 certifications awarded to students. The certification examine evaluates students’ skills in observe, Excel and PowerPoint.

Gary Dean, who teaches a company office professional classification at wilderness Hills center, pointed out students deserve to score seven-hundred out of 1,000 aspects as a way to get hold of the certification; besides the fact that children, the certification isn’t required to circulate the classification. He noted the ninth grade category is required in the state of Utah, but for college students who don’t flow the look at various and don’t care about receiving the certifications, an option look at various is given.

“Most of them care about it,” Dean mentioned, “as a result of they understand it can also be college credit score, and it might probably assist them with jobs.”

If Washington County students decide to attend Dixie State university after high faculty, they could waive the choice of taking a required desktop assistance methods type if they have all three — word, Excel and PowerPoint — certifications.

according to the certification merits listed on Microsoft’s site, licensed employees earn 15 p.c more than these without and are 20 percent extra productive.

“It’s whatever that they’re all the time going to use,” Dean mentioned. “computers don't seem to be going away. If anything, they’re getting more and more familiar in jobs, even before people have graduated college and are in their careers.”

within the Washington County college District, the passing fee for MOS is 76 percent, which is 20 percent higher than the state regular. The district earned three,350 MOS certificates in complete for the 2017-18 educational 12 months. The district additionally accounts for 20 percent of all MOS certificates given statewide, according to facts given to St. George information.

“We set a very excessive common, and the kids arise to that,”  said Dave Gardner, career and technical education director for the district. “it's a rigorous type.”

Mindi Matheson, who at the moment teaches at Crimson Cliffs center school, is one of the lecturers who helped create the curriculum and pilot the MOS application for the state of Utah together with three different lecturers around seven years in the past.

As a group effort among business office specialist academics, Matheson mentioned the curriculum become whatever thing they made out of scratch, and WCSD has been the chief in the state with the amount of certifications awarded considering the program’s advent.

“The curriculum become lots of difficult work,” she said. “It adjustments each time there’s a software replace (or) Microsoft update.”

business workplace expert academics go to a convention every few years to gain knowledge of about the updates and re-verify themselves, seeing that they also have to be business licensed to train the classification, Matheson noted.

anyway main the way in MOS certifications, WCSD is also at a 42 percent pass fee for Adobe certified affiliate, which comprises Photoshop, Illustrator and InDesign. The state standard for ACA is 32 %.

To learn more about MOS certifications, go to Microsoft’s website.

email: mheckenliable@stgnews.com

Twitter: @STGnews | @markeekaenews

Copyright St. George news, SaintGeorgeUtah.com LLC, 2018, all rights reserved.


Virginia seashore college students identified at Microsoft workplace specialist Championship | killexams.com Real Questions and Pass4sure dumps

Cameron Pillatsch. (Certiport)

VIRGINIA seashore, Va. – Princess Anne excessive college student Cameron Pillatsch came in first area for his skill at Microsoft PowerPoint 2013 on the 2018 Certiport Microsoft office specialist U.S. countrywide Championship – and he wasn’t the just one from his school who walked away with honors.

Pillatsch bested 350,000 opponents in the U.S., and 147 finalists who came to Atlanta, Georgia for the closing circular of competition.

Two different Princess Anne high faculty students placed in the competitors as smartly. Alexis Deynes won 2d region within the MOS observe 2016 class and Joseph Litz won second area in the Excel 2013 class.

when you consider that Pillatsch took first vicinity, he won a $3,000 prize and an rate-paid trip to Orlando, Florida for him and a chaperone for the Certiport Microsoft workplace specialist World Championships next month, where more than one hundred fifty college students from greater than 30 nations are anticipated to compete.


COD offers Microsoft workplace expert Certification exams, Typing check pro examination | killexams.com Real Questions and Pass4sure dumps

can also 30, 2017 eleven:fifty one ET | supply: school of DuPage

GLEN ELLYN, unwell., might also 30, 2017 (GLOBE NEWSWIRE) -- college of DuPage is now offering the Microsoft office professional (MOS) certification checks and Typing test seasoned examination to be able to advantage both college students and community individuals.

students within the workplace expertise tips and computer assistance methods courses can take a seat for the MOS countrywide certifications on campus at a reduced rate from different testing websites, mentioned Jarret Dyer, Coordinator of specialized testing functions at school of DuPage. group individuals additionally will obtain a group bargain.

“The checking out core and the OFTI and CIS classes partnered collectively to be able to handle a growing want,” Dyer noted. “college students and neighborhood contributors can now take these assessments at COD and earn vital credentials so one can help them develop in their careers.”

each Microsoft software models 2013 and 2016 are coated for MOS certification programs, together with observe Core and knowledgeable, Excel Core and professional, access, PowerPoint, and Outlook tests. For more counsel about these certifications, seek advice from the Microsoft net web page.

The Typing check pro examination is used as a pre-test for OFTI classes and is obtainable without charge to students and for a nominal fee to group participants. students can retest all the way through finals week for a nominal charge and get hold of a school of DuPage certificate stating specific pace and accuracy completed, which can be presented to employers.

additionally, employers can collaborate with the testing center if candidates need typing talent as a part of the job software procedure.

To register or for more information, visit www.cod.edu/testing and choose "Register for an examination,” e mail testing@cod.edu or call (630) 942-2401.

Press contact: Joe Moore, vp for advertising and Communications, (630) 942-2371.

Glen Ellyn, Illinois, u.s.

  http://www.cod.edu/

Press contact: Joe Moore, vice chairman for advertising and marketing and Communications, (630) 942-2371. logo.jpg

codecs obtainable:




Killexams.com 77-604 Dumps and Real Questions

100% Real Questions - Exam Pass Guarantee with High Marks - Just Memorize the Answers



77-604 exam Dumps Source : MOS Using Microsoft Office Outlook 2007

Test Code : 77-604
Test Name : MOS Using Microsoft Office Outlook 2007
Vendor Name : Microsoft
Q&A : 160 Real Questions

Take gain of 77-604 examination Q&A and get certified.
I passed the 77-604 exam. It changed into the primary time I used killexams.com for my practise, so I didnt recognise what to anticipate. So, I were given a nice wonder as killexams.com has greatly surprised me and absolutely handed my expectations. The testing engine/practice assessments paintings top notch, and the questions are valid. by means of valid I imply that theyre actual examination questions, and that i got many of them on my actual exam. Very dependable, and i used to beleft with notable impressions. i might not hesitate to propose killexams.com to my colleagues.


It is great to have 77-604 practice Questions.
The killexams.Com is the first rate internet page where my goals come real. By way of manner of the use of the Q&a fabric for the preparation truly added the actual spark to the studies and severely ended up via acquiring the superb rating inside the 77-604 examination. It is pretty smooth to stand any exam with the assist of your look at material. Thank you a lot for all. Hold up the incredible art work men.


Dont neglect to strive the ones real exam questions for 77-604 exam.
As im into the IT problem, the 77-604 exam, changed into important for me to seem, however time restraints made it daunting for me to prepare properly. The easy to memorize answers made it an entire lot less complicated to put together. It worked like a whole reference guide and i used to be surprised with the stop end result. I cited the killexams.Com look at guide with 2 weeks to move for the examination. I managed to finish all of the questions well beneath stipulated time.


clearly awesome enjoy! with 77-604 actual test questions.
I used killexams.com Q&a fabric which affords sufficient understanding to attain my goal. I usually usually memorize the things earlier than going for any examination, however that is the best one examination, which I took without trulymemorizing the wished things. I thanks sincerely from the bottom of my heart. im able to come to you for my subsequent examination.


Passing 77-604 exam is simply click away!
Because of 77-604 certificate you got many chances for security professionals development to your career. I wanted to progress my vocation in information security and wanted to become certified as a 77-604. In that case I decided to take help from killexams.com and started my 77-604 exam training through 77-604 exam cram. 77-604 exam cram made 77-604 certificate studies easy to me and helped me to achieve my goals effortlessly. Now I can say without hesitation, without this website I never passed my 77-604 exam in first try.


Take a smart circulate to pass 77-604
you may constantly be on pinnacle effectively with the help of killexams.com because those products are designed for the assist of all students. I had sold 77-604 examination guide because it turned into necessary for me. It made me to apprehend all essential concepts of this certification. It became proper choice consequently i am feeling delight on this choice. finally, I had scored ninety two percent because my helper was 77-604 exam engine. i am true because those products helped me inside the training of certification. thanks to the extremely good crew of killexams.com for my assist!


Shortest questions that works in real test environment.
A few precise guys cant carry an alteration to the worlds way however they can simplest tell you whether you have been the only man who knew the way to do this and I want to be recognized in this global and make my personal mark and I have been so lame my whole way but I know now that I desired to get a bypass in my 77-604 and this may make me famous perhaps and sure I am quick of glory but passing my A+ tests with killexams.Com was my morning and night glory.


examination questions are modified, wherein am i able to discover new questions and solutions?
Its miles my pride to thanks very lots for being proper here for me. I surpassed my 77-604 certification with flying hues. Now i am 77-604 licensed.


proper region to discover 77-604 real test questions paper.
I passed both the 77-604 first try itself with 80% and 73% resp. Thanks a lot for your help. The question bank really helped. I am thankful to killexams.com for helping a lot with so many papers with solutions to work on if not understood. They were extremely useful. Thankyou.


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MOS Using Microsoft Office Outlook 2007

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Google is undermining one big reason why people flocked to Gmail in the first place | killexams.com real questions and Pass4sure dumps

On April Fools' Day 2004, Google made a splash when it introduced Gmail, a free online email service. One reason it was revolutionary was its gigabyte of free storage space — the idea being that you wouldn't have to constantly be deleting email in order to keep things going.

I've been a happy Gmail user all these years, as Google has provided more storage space, and Gmail has remained easy to use. And I'm not the only one — Gmail is now one of Google's eight services with more than 1 billion active users, a spokesman told me.

But today, I'm in a jam. I've run out of space across Gmail, the Google Drive storage service and the Google Photos app.

I have options.

I could clear up space by deleting emails (email takes up much more of my space than photos or files) or moving some data around to other Google accounts. Or I could move them to services from other providers like Microsoft, which I pay $99.99 per year for the Office 365 suite that includes Outlook for email and OneDrive for storage.

The simpler thing to do would be to pull out my credit card and start paying Google.

That would go against the original value proposition of Gmail, though. Way back in 2004, the press release introducing Gmail to the world included an impactful quote from Google cofounder Larry Page:

"Gmail solves all of my communication needs. It's fast and easy and has all the storage I need. And I can use it from anywhere. I love it!"

I imagine that today Page, who is now CEO of Google's parent company, Alphabet, remains a Gmail user. I wonder if he started paying at some point.

It helps that Google has raised the limit on data storage for Gmail users multiple times.

In 2005, it jumped 100 percent to 2 gigabytes.

By 2007, users had about 40 percent more -- 2.8 gigabytes.

In 2011 the limit was 168 percent larger, at 7.5 gigabytes.

Then in 2012 it jumped 33 percent to 10 gigabytes.

And 2013 was the most recent time Google raised the limit -- bringing it up 50 percent to 15 gigabytes.

But now it's been five years since Google gave free users more room for stuff. (Google did introduce free and unlimited storage of images and videos through Google Photos in 2015, but if you want that free tier, you'll need to be okay with content getting compressed or resized.)

Google did not immediately respond to a request for comment.


Exclusive: WhatsApp Cofounder Brian Acton Gives The Inside Story On #DeleteFacebook And Why He Left $850 Million Behind | killexams.com real questions and Pass4sure dumps

W

hatsApp cofounder Brian Acton, 46, sits in a cafe of the glitzy Four Seasons Hotel in Palo Alto, California, and the only way you’d guess he might be worth $3.6 billion is the $20 tip he briskly leaves for his coffee. Sturdily built and wearing a baseball cap and T-shirt from a WhatsApp corporate event, he’s determined to avoid the trappings of wealth and runs his own errands, including dropping off his minivan for maintenance earlier that day. An SMS has just come in from his local Honda dealer saying “payment received.” He points to it on his phone.

“This is what I wanted people to do with WhatsApp,” he says of the world’s biggest messaging service, which is used by more than 1.5 billion people and provides ad-free, encrypted messaging as a core feature. “This was informational, and useful."

The past tense and wistfulness hang in the air. More than four years ago, Acton and his cofounder, Jan Koum, sold WhatsApp, which had relatively insignificant revenue, to Facebook for $22 billion, one of the most stunning acquisitions of the century. Ten months ago he left Facebook, saying he wanted to focus on a nonprofit. Then in March, as details of the Cambridge Analytica scandal oozed out, he sent a Tweet that quickly went viral and shocked his former employers, who had made him a billionaire many times over: “It is time. #deletefacebook.” No explanation followed. He hasn’t sent another Tweet since.

Whatsapp cofounders Brian Acton and Jan Koum. Robert Gallagher

Now he’s talking publicly for the first time. Under pressure from Mark Zuckerberg and Sheryl Sandberg to monetize WhatsApp, he pushed back as Facebook questioned the encryption he'd helped build and laid the groundwork to show targeted ads and facilitate commercial messaging. Acton also walked away from Facebook a year before his final tranche of stock grants vested. “It was like, okay, well, you want to do these things I don’t want to do,” Acton says. “It’s better if I get out of your way. And I did.” It was perhaps the most expensive moral stand in history. Acton took a screenshot of the stock price on his way out the door—the decision cost him $850 million.

He’s following a similar moral code now. He clearly doesn’t relish the spotlight this story will bring and is quick to underscore that Facebook “isn’t the bad guy.” (“I think of them as just very good businesspeople.”) But he paid dearly for the right to speak his mind. “As part of a proposed settlement at the end, [Facebook management] tried to put a nondisclosure agreement in place,” Acton says. “That was part of the reason that I got sort of cold feet in terms of trying to settle with these guys.”

Facebook is probably the most scrutinized company on the planet, while simultaneously controlling its image and internal information with a Kremlin-like ferocity. “Thanks to the team’s relentless focus on building valuable features, WhatsApp is now an important part of over a billion people’s lives, and we’re excited about what the future holds,” says a Facebook spokesperson. That kind of answer masks the kind of issues that just prompted Instagram’s founders to abruptly quit. Kevin Systrom and Mike Krieger reportedly chafed at Facebook and Zuckerberg’s heavy hand. Acton’s account of what happened at WhatsApp—and Facebook’s plans for it—provides a rare founder’s-level window into a company that’s at once the global arbiter of privacy standards and the gatekeeper of facts, while also increasingly straying from its entrepreneurial roots.

It’s also a story any idealistic entrepreneur can identify with: What happens when you build something incredible and then sell it to someone with far different plans for your baby? “At the end of the day, I sold my company,” Acton says. “I sold my users’ privacy to a larger benefit. I made a choice and a compromise. And I live with that every day.”

D

espite a transfer of several billion dollars, Acton says he never developed a rapport with Zuckerberg. “I couldn’t tell you much about the guy,” he says. In one of their dozen or so meetings, Zuck told Acton unromantically that WhatsApp, which had a stipulated degree of autonomy within the Facebook universe and continued to operate for a while out of its original offices, was “a product group to him, like Instagram.”

So Acton didn’t know what to expect when Zuck beckoned him to his office last September, around the time Acton told Facebook brass that he planned to leave. Acton and Koum had a clause in their contract that allowed them to get all their stock, which was being doled out over four years, if Facebook began “implementing monetization initiatives” without their consent.

Facebook bought Instagram for $1 billion in 2012, and two years later, spent a stunning $19 billion on WhatsApp. Instagram was quicker to monetize, and Zuckerberg hoped WhatsApp would be as successful. Ethan Pines

To Acton, invoking this clause seemed simple. The Facebook-WhatsApp pairing had been a head-scratcher from the start. Facebook has one of the world’s biggest advertising networks; Koum and Acton hated ads. Facebook’s added value for advertisers is how much it knows about its users; WhatsApp’s founders were pro-privacy zealots who felt their vaunted encryption had been integral to their nearly unprecedented global growth.

This dissonance frustrated Zuckerberg. Facebook, Acton says, had decided to pursue two ways of making money from WhatsApp. First, by showing targeted ads in WhatsApp’s new Status feature, which Acton felt broke a social compact with its users. “Targeted advertising is what makes me unhappy,” he says. His motto at WhatsApp had been “No ads, no games, no gimmicks”—a direct contrast with a parent company that derived 98% of its revenue from advertising. Another motto had been “Take the time to get it right,” a stark contrast to “Move fast and break things.”

Facebook also wanted to sell businesses tools to chat with WhatsApp users. Once businesses were on board, Facebook hoped to sell them analytics tools, too. The challenge was WhatsApp’s watertight end-to-end encryption, which stopped both WhatsApp and Facebook from reading messages. While Facebook didn’t plan to break the encryption, Acton says, its managers did question and “probe” ways to offer businesses analytical insights on WhatsApp users in an encrypted environment.

Facebook’s plans remain unclear. When Sandberg, Facebook’s COO, was asked by U.S. lawmakers in early September if WhatsApp still used end-to-end encryption, she avoided a straight yes or no, saying, “We are strong believers in encryption.” A WhatsApp spokesperson confirmed that WhatsApp would begin placing ads in its Status feature next year, but added that even as more businesses start chatting to people on the platform, “messages will remain end-to-end encrypted. There are no plans to change that.”

For his part, Acton had proposed monetizing WhatsApp through a metered-user model, charging, say, a tenth of a penny after a certain large number of free messages were used up. “You build it once, it runs everywhere in every country,” Acton says. “You don’t need a sophisticated sales force. It’s a very simple business.”

Acton’s plan was shot down by Sandberg. “Her words were ‘It won’t scale.’ ”

“I called her out one time,” says Acton, who sensed there might be greed at play. “I was like, ‘No, you don’t mean that it won’t scale. You mean it won’t make as much money as . . . ,’ and she kind of hemmed and hawed a little. And we moved on. I think I made my point. . . . They are businesspeople, they are good businesspeople. They just represent a set of business practices, principles and ethics, and policies that I don’t necessarily agree with.”

When Acton reached Zuckerberg’s office, a Facebook lawyer was present. Acton made clear that the disagreement—Facebook wanted to make money through ads, and he wanted to make it from high-volume users—meant he could get his full allocation of stock. Facebook’s legal team disagreed, saying that WhatsApp had only been exploring monetization initiatives, not “implementing” them. Zuckerberg, for his part, had a simple message: “He was like, This is probably the last time you’ll ever talk to me.”

Rather than lawyer up or try to meet in the middle, Acton decided not to fight. “At the end of the day, I sold my company,” he says. “I am a sellout. I acknowledge that.”

A

cton’s moral code—or perhaps naivete, given what he should have expected at a $22 billion sale price—traces back to the matriarchs of his family. His grandmother had started a golf club in Michigan; his mother founded a freight-forwarding business in 1985, teaching him to take the responsibilities of a business owner extremely seriously. “She would lose sleep at night [over] making payroll,” Acton told Forbes right before the Facebook sale.

Acton graduated from Stanford with a bachelor’s in computer science and eventually became one of the first employees at Yahoo in 1996, making millions in the process. His biggest asset from that time at Yahoo: befriending Koum, a Ukrainian immigrant he clicked with over their similar no-nonsense style. “We’re both nerdy, geeky guys,” Acton recalled in that earlier interview. “We went skiing together, played Ultimate Frisbee together, played soccer.” Acton left Yahoo in 2007 to travel before returning to Silicon Valley and, ironically, interviewing at Facebook. It didn’t work out, so he joined Koum at his fledgling startup, WhatsApp, persuading a handful of former Yahoo colleagues to fund a seed round while he took on cofounder status and wound up with a roughly 20% stake.

Andres Jauregui and Peter DaSilva

They ran the business in the style that suited them, on a cash basis, with obsessive attention to the integrity of their infrastructure. “A single message is like your first-born child,” Acton would say. “We can never drop a message.”

Mark Zuckerberg first reached out to Koum over email in April 2012, leading to lunch at Esther’s German Bakery in Los Altos. Koum showed the email to Acton, who encouraged him to go. “We weren’t shopping our company,” Acton remembers today. “We had no exit planned.”

But two things sparked Zuckerberg’s mega-offer in early 2014. One was hearing that WhatsApp’s founders had been invited to Google’s Mountain View headquarters for talks, and he did not want to lose them to a competitor. Another was a document analyzing WhatsApp’s valuation, written by Morgan Stanley’s Michael Grimes, that someone had shown to the deal teams at Facebook and at Google.

The biggest internet deal in a decade was rushed through over Valentine’s weekend in the offices of WhatsApp’s lawyers. There was little time to examine details, like the clause about monetization. “It was just me and Jan saying we don’t want to put ads in the product,” Acton says. He recalls Zuckerberg being “supportive” of WhatsApp’s plans to roll out end-to-end encryption, even though it would block attempts to harvest user data. If anything, he was “quick to respond” during the discussions. Zuckerberg “was not immediately evaluating ramifications in the long term.”

Questioning Zuckerberg’s true intentions wasn’t easy when he was offering what became $22 billion. “He came with a large sum of money and made us an offer we couldn’t refuse,” Acton says. The Facebook founder also promised Koum a board seat, showered the founders with admiration and, according to a source who took part in discussions, told them that they would have “zero pressure” on monetization for the next five years.

Facebook, it turned out, wanted to move much faster.

T he warning signs emerged before the deal even closed that November. The deal needed to get past Europe’s famously strict antitrust officials, and Facebook prepared Acton to meet with around a dozen representatives of the European Competition Commission in a teleconference. “I was coached to explain that it would be really difficult to merge or blend data between the two systems,” Acton says. He told the regulators as much, adding that he and Koum had no desire to do so.

Later he learned that elsewhere in Facebook, there were “plans and technologies to blend data.” Specifically, Facebook could use the 128-bit string of numbers assigned to each phone as a kind of bridge between accounts. The other method was phone-number matching, or pinpointing Facebook accounts with phone numbers and matching them to WhatsApp accounts with the same phone number.

Within 18 months, a new WhatsApp terms of service linked the accounts and made Acton look like a liar. “I think everyone was gambling because they thought that the EU might have forgotten because enough time had passed.” No such luck: Facebook wound up paying a $122 million fine for giving “incorrect or misleading information” to the EU—a cost of doing business, as the deal got done and such linking continues today (though not yet in Europe). “The errors we made in our 2014 filings were not intentional," says a Facebook spokesman.

Within a year of the Whatsapp founders’ resignations, Facebook CEO Mark Zuckerberg has this week lost the leaders of one of his most successful businesses, Instagram. “I couldn’t tell you much about the guy,” Acton says of Zuckerberg. Alain Jocard

“It just makes me angry to even relive that,” Acton says.

Linking these overlapping accounts was a crucial first step toward monetizing WhatsApp. The terms-of-service update would lay the groundwork for how WhatsApp could make money. During the discussions over these changes, Facebook sought “broader rights” to WhatsApp user data, Acton says, but WhatsApp’s founders pushed back, reaching a compromise with Facebook management. A clause about no ads would remain, but Facebook would still link the accounts to present friend suggestions on Facebook and offer its advertising partners better targets for ads on Facebook. WhatsApp would be the input, and Facebook the output.

Acton and Koum spent hours helping to rewrite the terms of service and were stymied by a section on messaging from businesses. “We obsessed over these two paragraphs,” Acton remembers. It was here that they lost a battle against the ad model, when a lawyer strongly advised them to include an allowance for “product marketing,” so that if a business did use WhatsApp for a marketing purpose, WhatsApp wouldn’t be held liable.

WhatsApp’s founders then did what they could to postpone Facebook’s monetization plans. During much of 2016, Zuckerberg was obsessed with the competitive threat of Snapchat. This made it easier for WhatsApp to put moneymaking on the back burner and report on new product features that copied Snapchat’s: a new camera that let you add emojis to photos in October 2016, and Status in February 2017, which was widely seen as a clone of Snapchat Stories.

By then, three years since the deal, Zuckerberg was growing impatient, Acton says, and he expressed his frustrations at an all-hands meeting for WhatsApp staffers. “The CFO projections, the ten-year outlook—they wanted and needed the WhatsApp revenues to continue to show the growth to Wall Street,” Acton recalls. Internally, Facebook had targeted a $10 billion revenue run rate within five years of monetization, but such numbers sounded too high to Acton—and reliant on advertising.

Acton had an alternative that he tried pushing back with: Invite businesses to send “informational, useful content” to WhatsApp users, like the SMS from his Honda dealer, but don’t allow them to advertise or track data beyond a phone number. He also pushed the metered-user model. Both to no avail.

Acton had left a management position on Yahoo’s ad division over a decade earlier with frustrations at the Web portal’s so-called “Nascar approach” of putting ad banners all over a Web page. The drive for revenue at the expense of a good product experience “gave me a bad taste in my mouth,” Acton remembers. He was now seeing history repeat. “This is what I hated about Facebook and what I also hated about Yahoo,” Acton says. “If it made us a buck, we’d do it.” In other words, it was time to go.

Jan Koum immigrated to California when he was 16, then dropped out of college to join Yahoo. In 2009, he bought his first iPhone and then started WhatsApp, bringing his former Yahoo friend Acton on as a cofounder. Gabriella Hasbun

Meanwhile, Koum stayed. He would accrue time toward his final stock grants, even if he rarely went to the office (“rest and vest,” in Silicon Valley parlance). Koum was “able to get through it,” finally leaving this April, the month after Acton’s #deletefacebook tweet, announcing via a Facebook post that he would focus on collecting air-cooled Porsches. In August 2018, when Forbes sat down with Acton, another source said Koum was sailing on a yacht in the Mediterranean, far away from everything. He could not be reached for comment.

I

f walking away from $850 million feels like penance, Acton has gone further. He has supercharged a small messaging app, Signal, run by a security researcher named Moxie Marlinspike with a mission to put users before profit, giving it $50 million and turning it into a foundation. Now he’s working with the same people who built the opensource encryption protocol that is part of Signal and protects WhatsApp’s 1.5 billion users and that also sits as an option on Facebook Messenger, Microsoft’s Skype and Google’s Allo messenger. Essentially, he’s re-creating WhatsApp in the pure, idealized form it started: free messages and calls, with end-to-end encryption and no obligations to ad platforms.

Acton says that Signal now has unspecified “millions” of users, with a goal to make “private communication accessible and ubiquitous.” While Acton’s $50 million should take it a long way—Signal could afford only five full-time engineers until he came along—the foundation wants to figure out a perpetual business model, whether that means taking corporate donations like Wikipedia or partnering with a larger company, as Firefox has done with Google.

Others have come into the space as well. AnchorFree, a software company in Redwood City, California, makes a virtual private network that hides your online activity and has been downloaded 650 million times. The company has raised $358 million and is reportedly profitable. The private search engine DuckDuckGo is grossing $25 million a year, showing ads but without using your search history to build a secret profile like Google does. Regulators in many countries are similarly pushing back on ad tracking. Saul Klein, one of London’s leading venture capitalists, predicts that Facebook will eventually be forced to offer an ad-free subscription option. Acton’s metered model, in other words, might get the last laugh.

Acton, for his part, is trying to look forward. Besides Signal, he’s put $1 billion of the Facebook proceeds into his philanthropic arms, to support healthcare in impoverished areas of the U.S. as well as early childhood development. He also says he’s determined to raise his kids normally, from public schools to that Honda minivan to a (relatively) modest house. Acton notes, however, that it’s just one mile away from Zuckerberg’s compound. Extreme wealth, it seems, is “not as liberating as you would hope.”

Reach Parmy Olson at polson@forbes.com. Cover image by Robert Gallagher for Forbes.

This story appears in the October 31, 2018 issue of Forbes.


Super Fund could lose half its value as share markets fall | killexams.com real questions and Pass4sure dumps

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    The New Zealand Superannuation Fund has warned it could lose more than half its value if there was a repeat of the Global Financial Crisis (GFC).

    The Super Fund released its annual report today, amid severe market turbulence in the United States - and corresponding losses here.

    New Zealand's benchmark Top 50 index fell 2.3 percent on Thursday morning, in response to what some are calling a "bloodbath" on Wall Street.

    US stocks tumbled on Wednesday, with the S&P 500 and the Dow marking their biggest daily declines since February 8, while technology stocks plunged as rising US Treasury yields sent investors packing.

    The S&P 500 lost 3.29 percent, the Dow Jones Industrial Average fell 3.15 percent, and the Nasdaq Composite dropped 4.08 percent.

    Stockmarkets have been on a long bull run since the GFC struck in 2007 - and plenty have been predicting it couldn't last.

    In its annual report, the Super Fund said "we estimate the Fund would lose $20.3 billion (-52.6 percent) in a repeat of the GFC".

    Economist Shamubeel Eaqub says it won't be clear for a few weeks yet whether this is just a blip, or something more sustained.

    Watch: How NZ Super Fund could build Auckland light rail. © Video - Newshub. Image - AAP Watch: How NZ Super Fund could build Auckland light rail.

    "Stockmarkets are a very good indicator of greed versus fear," he told Newshub.

    Either confident investors are driving stocks up, or - when that confidence disappears - it turns into fear.

    "It feels like that's the shift that we have seen," Mr Eaqub said.

    "It feels like the confident economic outlook has weakened, rising interest rates - all those other bits and pieces are coming together - and people are really worried that current share prices might be too high."

    US President Donald Trump says the share market sell-off was in fact a long-awaited "correction" and the Federal Reserve, which has been raising US interest rates, had gone "crazy".

    "Actually it's a correction that we've been waiting for a long time but I really disagree with what the Fed is doing," President Trump said. "I think the Fed has gone crazy."

    President Trump's use of the word "correction" to describe the sell-off could be significant. A share market correction is defined as a fall of at least 10 percent from the high point of the past 52 weeks.

    Mr Eaqub isn't so sure, and we'll have to wait and see.

    "Whether the President calls it a correction or not doesn't matter, the question is: is the sharemarket falling? If prices are falling, quite often what we'll see is this fear spreads and people... sell in a panic, and that feeds the cycle," he said.

    The Super Fund maintains it's in it for the long-term, and will recover any losses and make more gains - as the Fund did after 2008 - and even buy more growth assets as they fall in value.

    Mr Eaqub is sanguine about the Fund's fortunes across ebbs and flows in global sharemarkets.

    If there is continuing carnage in the US and it spreads to global stockmarkets, he says there are a number of ramifications for this country.

    If the New Zealand dollar falls, that's better for exporters but worse for consumers, with imported goods such as petrol and electronics rising in price.

    That would likely mean inflation would likely raise its head again finally, but the Reserve Bank can cut interest rates - unlike many other countries that already have rates at record lows (near zero in some cases).

    And the Government can increase spending.

    "That's what (Finance Minister) Grant Robertson's been talking about, right? That he wants to have his powder dry, so if the global economy weakens, they can put more money into the economy," Mr Eaqub said.

    Most New Zealanders' investments in shares are through their KiwiSaver funds, which also have a long-term outlook - to save up for retirement.

    "If you look at sharemarkets over time, they go up and down - but on average, they have delivered very good returns over a long period of time.

    "So rather than trying to pick the timing of the market, what's more important is to keep putting money into your KiwiSaver.

    "[It's] the contributions and the long-standing nature of savings - that's what really gives you the biggest returns."

    Newshub./Reuters



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