Wednesday, March 6, 2013

Cyber Crime - A Threat to Every Internet User

According to the Federal trade Commission (FTC), there are around 10 million reported cases of identity theft each year in the United States. A recent report by Eugene Kaspersky, founder and head analyst of Kaspersky Labs (a leading internet security company), indicates that the level of criminal activity on the internet has doubled in the past year, and there is reason to believe this trend will continue to grow exponentially in the future.

Cyber crime has become a serious problem for everyone who uses the internet. The biggest threats to all internet users are malicious software programs known as crimeware and social engineering schemes, often referred to as phishing and pharming scams.

Although computer viruses have always presented a big problem regarding potential loss of data or damage to our computers, spyware and phishing scams are where the real danger is. These forms of internet crime don't hurt our computers - they cause personal damage.

Cyber Crime - A Threat to Every Internet User

Spyware

The most common form of crime-ware comes in the form of spyware, which is a small program or piece of code that is designed to "spy" on your online activity and/or personal information. There are many types and forms of spyware and new versions are introduced into the internet every day.

Although not all spyware is used for illegal purposes, much of it can be very dangerous due of its ability to record keystrokes, take snapshots of our PC screen, and monitor everything we do online. Spyware usually installs without anyone's knowledge and runs silently in the background.

The information gathered by spyware is secretly transmitted to the person who planted it. It is sometimes sent out via email without our knowledge, but more often it is relayed to a hijacked "slave" computer, where it is picked up by the criminal who installed it. He/she will either use it to access bank accounts or credit cards, sell it to another thief, or perhaps steal our identity altogether.

Some spyware is used to "hijack" computers, turning them into "slaves" that are used to collect and store data that was obtained illegally. The computer's owner rarely knows that his PC is being used to house illegal information. Many "slave" computers are also used to help social engineers collect data via Pharming scams.

Phishing Scams

One of the most popular criminal activities on the internet is Phishing. In fact, this type of scam is so prevalent that an estimated 99% of email users have seen at least one phishing scam in their inbox. Phishing is mostly done via email, and is usually performed in conjunction with Pharming. Social engineers often send email letters that appear to come from your bank or other financial institution. The message urges you to click the link, log in, and verify your credentials. These emails sound and look very legitimate, and this is why so many people follow through by clicking the link.

Pharming

Once a person has clicked a link in a fraudulent Phishing email, they are taken to a website that appears to be legitimate. This is because the social engineer has copied the home page of the financial institution. What most victims don't realize is that the website they are on is really in some third world country, or on a "slave" computer that has been hijacked by spyware. The Pharming occurs when the person enters his/her credentials to "log on" to their account. This provides the Pharmer with all the information he needs to quickly wipe out the account or charge up a fortune on the associated credit card.

How to Protect Yourself Online

There are several things you can do to protect yourself from cyber-crime. The most obvious is to use good internet security products. At minimum, everyone who uses the internet should be using a good personal firewall, anti-spyware software, and anti-virus software.

The easiest, most effective way for most home computer users to stay protected is to purchase an internet security suite. A suite will include antivirus, anti-spyware/anti-adware, software firewall, and possibly some extras like a spam filter and password protection software. Suites are easy to use because everything is controlled via one interface.

There are many "free" things you can and should do to protect yourself from cyber-crime, such as keeping your computer's operating system and all applications up-to-date. This combined with the implementation of cautious browsing and email habits will have a big impact on your safety.

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Tuesday, February 26, 2013

Ten Simple Ways to Save the Tigers

Scared, lonely, sad and hungry, jumping at the smallest sound, waiting for his mommy to come back. But maybe she is not coming back. Save our tigers, there are just 1411 - is the tagline of the video being telecast on television all over India.

Looking at the young two months old cub waiting for his mommy in the cave was really touching as he looked lost, alone with no one to console him just like an orphan, who has no idea where to go, whom to go and how to survive. People involved in saving our tigers are urging to use social media to create awareness among each other. So here are ten steps to stop the dwindling population of tigers in India.

1. Create awareness

Ten Simple Ways to Save the Tigers

Anyone and everyone can help if they put their mind to it. So make posters, fliers, shout it out from the roof tops, spread a word; in other words create awareness about the importance of tigers on the planet. Organise birthday parties with tiger theme, parents can take the children to zoo for more information on tigers.

2. Educate the locals

People living near the forests need to be educated about the importance of tigers in terms of ecosystem. They need to be told that if there will be no tigers there will be no forests as all the grass eaters will devour the forests.

3. Stop poaching and don't encourage poachers

Sale of tiger skin and other body parts is banned. So if you find somebody hunting tigers, report them to your local police station or even the forest officials. They will take care of the poachers.

4. Support a cause

Join a cause for tigers. You can join save our tigers and support them by blogging, or by making posters, sending fliers among other things. You can also organise a tiger sale and donate the money to the cause.

5. Severe punishment for poachers

Ensure that the poachers are not allowed to go easily. Make sure that they receive severe punishment for their crime.

6. Ban the goods made of tiger skin

Please do not use goods made of tiger skin. Also please don't use the medicine made out of tiger's body parts. On an average one wild tiger is killed each day for profit killing.

7. Protect forests

In order to save tigers forests need to be protected. Apparently the species are becoming extinct because of the loss of their natural habitat.

8. Take an eco tour

An eco tour that focuses on tigers can be beneficial in making people understand the importance of tigers. Also the money made out of these tours can help in convincing government that tigers can be profitable.

9. Support accredited zoos and wildlife sanctuaries

You can also support various accredited zoos and wildlife sanctuaries in your area. They are active in research and conservation programmes with some of the zoos involved in captive breeding of tigers

10. Donate money to tiger conservation organisations

You can also donate some amount to tiger conservation organisations who are constantly striving to fund money for their research as well as educational programmes on tigers.

These are few of the ways that you can save the tigers from becoming extinct. There were eight species of tigers on the planet earth. However, three of them are already extinct save the rest five. The three species that are extinct now are Bali tigers, Javan tigers and Caspian tigers.

Ten Simple Ways to Save the Tigers
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Disclaimer: All material in this article is copyright by Swati Nitin Gupta. No information in this article can be used for any purposes unless expressed consent by Swati Nitin Gupta only. Thanks in advance for your complete adherence and cooperation.

About the Author: India based journalist with ten years of extensive experience in reporting, editing, as well as features writing. Currently a contributing writer at Home Review (Indian edition) magazine, EzineArticles, and Associated Content.

If you are looking for a freelance writer who is self-motivated, produces original content, detailed and research oriented, I hope you will contact me on swati1012@gmail.com to discuss the opportunities of freelance writing within your organisation. Visit my profile http://in.linkedin.com/in/swati1012

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Wednesday, February 20, 2013

Credit Card Charge-Off - What Does It Mean and What Should You Do About It?

Have you been told by a creditor that your debt is about to "charge-off"? Did the bill collector make it sound like you will be ruined financially if you allow this catastrophe to happen? If you're behind on your bills, unable to keep up with payments on your credit cards and other debts, sooner or later you will hear a creditor representative threaten you with the dreaded "charge-off." So what is a charge-off anyway? Should you be worried? What are the consequences of this mysterious event?

I'll start by explaining what a charge-off is NOT. Because the term includes the word "charge," many people mistakenly think it has to do with cancellation of the account by the creditor. In other words, you can't "charge" anything on your credit card anymore. But it's not the same thing at all, and most banks will revoke charging privileges around 2-3 months before the deadline we're talking about here.

What banks and bill collectors call a "charge-off" is the point at which the creditor writes off the account balance as a "bad debt." It usually happens after six months of non-payment. After that, they no longer count it on their books as an asset. You still owe the money, of course. And they will certainly make continued attempts to collect it from you. But the creditor has been forced by the rules of accounting to zero out the debt on their financial ledgers. For causing this loss, they will punish you by placing a derogatory mark on your credit report. A "charge-off" is a serious negative mark, to be sure, but it is not the financial ruination that debt collectors would like to have you believe it is.

Credit Card Charge-Off - What Does It Mean and What Should You Do About It?

Should charge-offs be avoided if possible? Certainly. Does the prospect of a charge-off mean you should panic if you have no way to pay the bill? No! Is it the end of the world if the account has already charged off? No! Too often, bill collectors make a charge-off sound so bad, and they apply so much pressure, that people cave in and make payment commitments they cannot keep. Collectors usually demand payment via post-dated checks, and this frequently leads to bounced checks and even worse financial problems. Most of us are brainwashed by the banks and media on the subject of credit. Sure, good credit is important. But committing to payments you really can't afford just to preserve your credit is like watering the lawn while your house is burning down.

Here are a few simple rules to follow when trying to avoid a charge-off that hasn't happened yet:

* Don't be intimidated or threatened by pre-charge-off collection tactics. Keep a cool head and don't take it personally when collectors try to get under your skin.

* Call your creditor to find out the minimum payment necessary to avoid the charge-off, and subsequent payments to keep the account current going forward. Don't commit to this payment (or series of payments) unless you're sure you can follow through.

* Negotiate a lump-sum settlement at 50% or less if you have the resources, or a workout plan for monthly payments that you can live with.

* Do not allow bill collectors to talk you into using post-dated checks, or providing your checking account details over the telephone. Instead, make payments via cashier's check or money order.

* Do not make payments based on a verbal arrangement. Get the deal in writing and signed by a creditor representative who has authority to approve the workout plan.

What should you do if you simply don't have the money to rescue the account from charge-off, or if the account has already been charged off by the creditor?

* Take a deep breath and relax; the sky won't fall on your head just because you had a charge-off.

* Realize that you still have an opportunity to resolve the matter by dealing with the original creditor or the collection agency assigned to the account.

* Negotiate a lump-sum settlement with the creditor or collection agency. Again, aim for 50% or less, and ask for the charge-off to be deleted from your credit report as a condition of the settlement. (Most creditors will not agree to this, but it's worth asking anyway. Do be sure that they will update your credit report to show that the matter has been resolved and the account has been satisfied.)

* If you can't work out a deal with the collection agency assigned to your account, then wait until it goes to another agency! Eventually, it will either be assigned or sold to an outfit that you can deal with to get the matter cleared up.

To sum up, a charge-off is not the end of the world. It should certainly be avoided if possible, but not at the risk of making things worse by committing to payments you're not sure you can keep up with. Just remember that the creditor doesn't want to see a charge-off any more than you do, so use that knowledge to your advantage in working out a mutually acceptable arrangement. Get everything in writing, don't disclose your checking account details, and follow up to make sure the creditor reports the matter correctly on your credit report. You'll find that it's easier than you think to resolve a charge-off situation before it happens, or clean it up if it's already taken place.

Credit Card Charge-Off - What Does It Mean and What Should You Do About It?
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Thursday, February 7, 2013

Save the Environment, Save Life

"Save the environment, save life" is a very important saying that is on top of every human mind these days. Many people are going the green way with a key objective to prevent nature and save the environment from the harmful effects of various human activities. With so much of pollution and ecological imbalance the present situation has become threatening. The issues are now alarming even to the best of environmentalists who are constantly and rigorously in search of ways and methodologies to save the environment that is gradually taking its toll on human life. Therefore it has become very important to take significant steps and save life.

There are many factors that have contributed to the threatening effects of the environment. The most alarming among them are global warming, depletion of ozone layer, air pollution, and water pollution.

Global warming is a life-threatening problem the world is facing today. It is a condition when the temperature of the earth rises due to the action of greenhouse gases like carbon dioxide, methane, and nitrous oxide. The emission of these gases into the atmosphere traps heat and light from the sun that rises the temperature of the earth. Though the issue has become life-threatening there are significant ways we can reduce its harmful effects. The most measurable step is to switch over to fuel-efficient cars that produce comparatively less amount of carbon dioxide emissions. As carbon dioxide is the leading cause of global warming, a drastic reduction of its emission into the atmosphere will be of great help to environment as well as to human life. There are other ways as well like insulating home, car pooling, planting a tree, and using more of public transportation.

Save the Environment, Save Life

Depletion of ozone layer is another alarming issue for the environmentalists. Ozone is an important component in the atmosphere that protects human from the harmful ultra-violet rays. Sadly, human activities have caused ozone depletion which can be disastrous if not controlled now. The key factor causing this depletion is the increase in the level of chlorofluorocarbons (CFC). In the stratosphere this compound breaks down to release a free chlorine atom that reacts with an ozone molecule to form chlorine monoxide and a molecule of oxygen. The resultant chlorine monoxide also reacts with ozone molecule to form a chlorine atom and two molecules of oxygen. The reaction keeps on repeating as and when a free chlorine atom is released. In the process amount of ozone in the stratosphere is drastically reduced which has become a serious concern. There are various ways to fight the issue like avoiding the use of aerosols, insulating home, and avoiding purchase of polystyrene products. It is also very important to keep a regular check of air-conditioner fitted in cars because any leakage in the coolant will release high amount of CFC.

Air pollution caused due to various human actions like smoking, forest destruction, excessive use of air-conditioners, and increasing reliability of private vehicles has considerably caused a serious threat to the environment. It is very significant to keep a control on the increasing pollution in order to save nature and life from the grip of destruction and disaster. To fight the problem the best ways are to use car pool or public transportation as much as possible, avoid both active and passive smoking, minimize the use of air-conditioner, stop the use of wood stoves, avoid purchase of formaldehyde products, remove asbestos if found anywhere at home, and make maximum use of energy-efficient appliances.

Water pollution is also increasing due to uncontrolled human activities. Air and water both are necessary for life and if polluted it will directly leave a distressing impact on human life. Take necessary steps to reduce water pollution by keeping a thorough check on the water supply. Do not dump or dispose any kind of chemical or toxic substance down the drain or in any kind of water body. There is also an urgency to do a periodic test or verification of the drinking water as it may contain bacteria, metals, and various other toxic chemicals.

Just one step ahead and you can save the environment, eventually save life on earth.

Its time for us all to wake up and take significant steps to Save the Environment.

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Thursday, January 31, 2013

How To Repair Your Car's Power Windows

As you're driving down the turnpike and approaching the tollbooth, you reach for the switch to lower your window and nothing happens. The switch moves but the window does not budge. Not even a noise from the window motor can be heard which strongly suggests to you that the device is not functioning. You must stop your car and open up the door to pay the attendant before continuing on your trip. Thoughts of an expensive car repair bill are dancing through your head, putting you in a foul mood and tempering the anticipated fun of your getaway weekend. Don't despair: you can repair the power window yourself and save a bundle over expensive dealership charges. Let's take a look at the steps you can take to fix the problem yourself and save a lot of cash in the process.

Before assuming that the window regulator must be replaced you should first rule out the possibility of dirty electrical contacts. On most cars the main power for all switches goes through the master switch located at the driver's console. Sometimes the switch is dirty causing the window to malfunction. If this is the case, take the necessary steps to clean the contact and your problem should be resolved.

Should you determine that the contacts are clean and your switch is functioning, then it is likely that the motor has burned out and is in need of replacing. Whether you are installing a Honda window regulator or a Volkswagen window regulator, or a regulator for any other make the steps involved in replacing a window regulator are usually quite similar:

How To Repair Your Car's Power Windows

1. Remove the door panel for the affected window.

2. Locate and remove the bolts holding the regulator to the door; it is likely you will have to manually lower the window in order to access the bolts.

3. Remove the old regulator, disconnect all wiring, and replace the old regulator with a new one you have purchased from a parts supplier. Shop online to find the best value as you will pay a mint if you order one through a dealership.

4. Tighten the bolts holding the new regulator and reinstall the moisture barrier. Make sure all the wires are put back in the door before closing the door panel.

5. Engage the power window switch and the new regulator should work unimpeded.

Of course, follow your car's repair manual for specific instructions.

I've given to you a general outline to convince you that this is a task that even a novice mechanic can handle - in other words: you can do it! By handling the problem yourself, you'll save plenty of money by avoiding garages who will mark up the replacement part as well as tack on several hours of labor costs to your bill. Shop online to compare prices and to receive the best shipping and handling arrangements available.

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Matt is a contributing writer for Car Parts Stuff.

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Sunday, January 27, 2013

What to Do If Your Spouse Wants to Move Out

I get a lot of emails from people who are in a panic that their spouse is going to (or wants to) move out. Other than actually getting served with divorce papers, this is the scenario which strikes the most fear into your heart. It's completely understandable to think that them moving out is the beginning of the end of the marriage. And, it's normal to worry that once your spouse moves out, you'll no longer have access to them to work things out, or that they'll start seeing other people, or worse, that they'll actually like being on their own.

Many of the folks who write me want a concrete plan to keep their spouse home. There are several things that can work, but they often don't feel intuitive and they require a leap of faith, confidence, and a quiet calm. But, they very often work if you pull them off correctly. I'll describe them in the following article (and also tell you the strategies and tactics to avoid because they just don't work and only push your spouse further away.)

What Not To Do When You Try To Convince Your Spouse Not To Move Out: Before I tell you the things that you should do, I'd like to first cover what you absolutely should not do. The problem with these little mistakes is that they feel like the right thing to do at the time. Emotions run high and cause you to feel like you absolutely must have a resolution right away. And, so often you will act first and think later. It's so important that you get control over this cycle because it will force you to do things that not only will you regret, it's also quite common that your spouse will continue to limit his access to you because of this behavior. So, don't give ultimatums. Don't tell your spouse that they are mistaken or wrong. Don't try to make them feel guilty or sorry for you. Don't use your children as a bargaining tool or make threats. In short, don't participate in any behaviors that are going to paint you in a not so flattering light.

What to Do If Your Spouse Wants to Move Out

Obviously, if you want to save your marriage, you're going to need for your spouse to change his opinion of you from negative to positive. And piling on negative emotions or actions is only going to swing the pendulum into negative territory. So, change course and concentrate on only positive behaviors that are going to make him spend more time with you, not less.

Agreeing And Offering An Alternative To Moving Out (Your Spouse Can Have Their Space Without Actually Leaving): The first thing that you're going to need to do is to validate your spouse. The worst mistake that you can make is to imply or flat out say that they are wrong or that they are misinterpreting the situation. This puts you on opposite sides, which is definitely not where you want to be. So, you need to agree that the marriage is not going well, is flawed, and needs to change drastically for both of your sakes. Agree that you both deserve happiness and fulfillment. Agree that a break may put things in perspective and give you the distance that you need. However, propose that the distance occurs without your spouse actually moving out.

Alternatives are suggesting that he stay with friends or family for a while, that he bunk in another room of your home, or that you make yourself scarce (and possibly stay with friends) for a short period of time. I understand that none of these options may seem appealing right now, but they work because you're offering to help him get what he wants, but you're stalling his actually moving out. Of course, when he takes you up on this, you have to make good on your promise to give him his space. Don't cross the line and bombard him with pleas to save the marriage or to resolve things immediately. Sometimes, distance and time is actually a good thing because it eases the tension, puts things in perspective, and allows him the time to miss you.

Putting Your Best Foot Forward During The Break: No matter whether he moves out or not, you'll need to make some changes in how you are being perceived. Obviously, if he wants to move out, he sees you in a negative rather than positive light right now. You need to change this as quickly as you can. The whole idea here is for him to realize that his perception, and his reaction to it, are absolutely wrong.

So, you'll need to take an honest look at the qualities he loves most about you and make sure that he knows that you still have them. If he loves your sense of humor, then you need to amplify it right now. If intimacy has gone astray, you need to show him that you still value, understand, and appreciate him. He needs to be able to see that the two people who fell in love are still players in this game, that he doesn't have to go it alone, and that he's better off with you than without you.

I know that this can seem like a tall order when you're so far apart or when he's no longer accessible. But, understand that there will come a time when you the two of you will communicate, and when that happens, you want to appear to be the light hearted, happy, busy, open, and confident person that you are. You're showing him a woman who wants to save her marriage, but who has enough self worth to keep doing the things that make her happy and better. Of course, that includes him and you're trying your best to bring him back into the loop, but you aren't exhibiting negative behaviors and you aren't playing games to manipulate him, only so you can go back to the broken things that are dissatisfying to you both. No, you're taking the high road and conducting yourself with grace and you're confident that the space apart will allow him to see that he misses these things and you.

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When my husband wanted to move out, I did not understand these principles and I went about changing his mind in the completely wrong way. I stooped to negative behavior that only drove my husband further away. Thankfully, I soon realized my mistake and decided to approach things from another angle and this eventually worked. You can read my very personal story on my blog at http://isavedmymarriage.com/

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Monday, January 21, 2013

Jobs For 18 Year Olds That Actually Pay Well

Many young people want to have jobs in order to earn money they can use to buy the things that they need or want. For teenagers, some of the best jobs for 18 years olds can be found online.

Due to the financial crisis that's happening, there is much need for saving as much as one can. A typical teenager may still have difficulty grasping the real situation and would really find it difficult to not be buying the books, gadgets, CDs, clothes, or accessories that he or she wants or needs. This could be one of the reasons why teenagers are now really looking for part time jobs although they still have to attend their classes week after week.

The good news is that there are so many jobs available online and the number of opportunities are still increasing. There are Pay Per Click jobs, freelance writing, Internet marketing, and the popular online survey taking.

Jobs For 18 Year Olds That Actually Pay Well

There are paid survey sites that offer a lot of things to do for teenagers who have the extra hours to spare for a few bucks. These teens can sign up and create accounts from these paid survey sites and fill out the surveys conducted by different companies that are looking to complete their marketing research for their business.

One teener can earn as much as 0 a week if he could accomplish several surveys in a day. All one needs is a computer that connects to the Internet plus a lot of desire to earn the extra money.

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