Sunday, September 30, 2012

Social Engineer Media: Its Role In Society

About media

Today, media is playing a major role in most of the fields. It is an intervening agency or instrument which works as an intermediater to provide or gain information.
There are many types of media such as mass media, news media, advertising media and social engineering media. Let's have a look at this type of media-

Social engineering media is the one kind of security attacks in which the social engineer manipulates a particular person to reveal secured information to steal data, access computer or cellular phones, cash and even your own identity. This kind of security attacks might be simple or complex. However the intension of these hackers is to gather the required information using the social engineering techniques.

Social engineers

The social engineers who want to gather information would contact the victims over the mobile phone or through websites they are visiting often. We could also say it is an illegal acquisition of sensitive information or improper access privileges by an unknown person by establishing legitimacy in the mind of the target.
It is an act of psychological manipulation introduced by hacker-turned-consultant Kevin-mintick. It is simple form of fraud applies to trickery or cheating for the purpose of gathering confidential information from others.

Usually the social engineers would use the techniques which are associated with social engineering which are based on particular attributes of human decision making. There are various combinations of attack techniques. Some of them are pre-texting, diversion theft, phishing, IVR or phone phishing, baiting etc. Other types of common tricksters or fraudsters are also considered as Social engineers.

Tricks and techniques

Nowadays the popular techniques include spoofing or hacking ID's of the people using famous e-mail IDs such as Gmail, yahoo, hotmail etc. This kind of hacking is frequently happening all over the world to find out credit card account numbers and their passwords, online banking Id's etc. They would also hack private emails and chat histories and edit them to extort money and creating distrust among individuals.

Media related to Social engineering kills on qualities of human nature. The truly successful social engineers would get any information from people without the sign of raising suspicion as to what they are doing. It is the hardest form of security attack to protect against because it cannot be protected with hardware or software since they are directly contacting the people for confidential information...

Categories

So for successful defence we need to make the public aware about this and should ensure that they to follow it strictly. SE is based upon two categories such as human-based and computer-based.

In human-based hacking, a person would interact with another person directly through mobile or emails to get some confidential information. However in computer-based, there will be human interaction but not directly. They will create a software in such a way in which it would retrieve the desired information from the target with or with out their knowledge.

In some cases, the SE's would produce virus and Trojans and send through an email to get the information. So it is always advisable to be aware and cautious about these social engineers or cheaters to avoid such bad occurrences.

Thursday, September 27, 2012

Dealing with LASIK Cost

LASIK surgery is an alternative to wearing corrective lens for people with myopia, hyperopia and astigmatism. LASIK surgery, however, unlike corrective lenses is not covered by most insurance. That means a person has to find their own way to finance their LASIK procedure.

There are many companies out there who specialize in providing financing for LASIK surgery. These companies offer you a line of credit, much like a bank loan. It comes with an interest rate and you must make monthly payments towards your loan.

Before choosing a financing company, though, it is smart to speak with your surgeon. Some surgeons will only work with select financing companies. Additionally, your surgeon may offer financing that could end up being cheaper or he may have suggestions on where else to go for financing.

You may also be able to locate financing online through a search for "LASIK financing". You may be able to find more competitive interest rates and varied financing options through this method.

If you are looking to get financed you should still try to come up with an initial down payment. It helps to have as much of a down payment as possible. Having a large down payment will reduce the amount you need funded. Additionally, you will end up paying less if you can come up with more money down because you will pay less interest.

You can get the down payment money from your savings or you if you have a flexible spending account then you can use that. You should try to come up with the money without having to borrow it since that would defeat the purpose of having a down payment.

You have to keep in mind that getting financed for LASIK surgery is going to be like getting financing for anything else. If you have bad credit or no credit it may be difficult to find a company willing to finance you. This is a risky finance since there is no collateral for the company to collect should you default on the loan. By having a good sized down payment, you may be able to still get financed even if your credit is less then stellar.

When it comes to financing LASIK surgery it is really in your hands. The insurance companies have yet to see it as being a good alternative to financing corrective lenses, so they won't pay. Until they see that helping people get LASIK can actually save them money in the long run, it is unlikely that insurance will be the answer to LASIK costs. Until then it is up to you to find a way to get your LASIK surgery financed.

Friday, September 21, 2012

How Financial Aid,grants,loans, and scholarship help.....

Obtaining financial aid, scholarships, loans, and grants in today's country can have its challenges! I will provide you with some information about financial aid, scholarships, loans, and grants. First off, financial aid is intended to make up the difference between what your family can afford to pay and what college costs. So you're not alone! There are reliable people out there who want to help.

The financial aid system is based on the idea that all students should have equal access that you should be able to attend college, regardless of your financial circumstances. So basically you can have your family pay for college or the government will help you via scholarships, loans, and grants.

The government offers loans. Loans are giving out by the federal government to people in need of money. The government has plans where no interest is accrued until you graduate. (Go to for more information) One tricky underlining detail that the banks don't put emphasize on is that these student loans are never going to go away! If you file for bankruptcy you will still have to pay off these student loans and interest will still accrue!

Grants are also a wonderful thing to get. Grants happen when the federal government gives you money and you don't have to pay them back. Sounds great huh, free money! Well I wouldn't say Grants are not "free money" the government or foundations give out, but they pretty much are and they have lots of money sitting around and so they give the money to certain foundations to pay for who are in need of financial help.

Scholarships are where the college, private businesses, clubs, or anyone who gives you money to go to college and you have to do something in return. Possibly keep a certain GPA every year or maybe work certain amount of hours each semester with a good GPA. Keeping a GPA of at least 3.0 really isn't that hard at all. You can find many scholarships that have a minimum of at least 3.0 on my website and on your college website. Also talk to your local chamber of commerce because they have scholarships as well.

I have gone through college and jumped through all the hoops so I am going to share my experience. I went to the University of Nebraska-Lincoln, in Lincoln Nebraska for 4 years with a major in Women's Study and minor in Spanish. They made us live in the dorms for 2 years which are super tiny and way over priced! Somehow I had to afford ,500 for a semester and ,100 a semester for room and board. Here I pay ,200 as a resident per semester for college. That isn't bad except over 4 years I have to pay ,800 for college! The only way I could afford it was a bunch of scholarships that paid a total of ,000. Other than that I took out a ,000 loan and made about ,000 a year from working at a Bank as a teller. So by the time I graduated I didn't have any debt, I had work experience and it's the best feeling in the world!

Sunday, September 16, 2012

Difference Between Womens Wallets And Mens Wallets

Today, wallet is something without which we can't imagine going out, no matter it is to office, business tour, or leisure trip. In fact, a wallet is used by all irrespective of their sex, age, and race. Both men and women use wallets to store their cash as well as valuable information such as credit cards, debit cards, social security card, and driver's license. However, just as a man and woman differ in their appearance, attitudes, and needs, men's wallets and women's wallets also differ in terms of their style and appearance.

For instance, women's wallets are relatively big when compared to men's wallets. When a woman holds her wallet either in her hands or places it within her hand bag, a man usually carries his wallet in his front, breast, or back pockets. A woman mostly uses wallets or purses to add to her elegance or to enhance her overall style and appearance. On the other hand, for a man, a wallet is not only a necessity but it also serves as a mirror of his personality. Likewise, in contrast to women who use wallet to solely keep their money or important bills, a man mostly uses wallet to store everything from cash and bills to credit cards, business cards, and official notes. But let it be men's wallet or women's wallet, a wallet definitely reflects your personality. In deed, a variety of wallets are available to choose from for both men and women, according to their style, preference, and budget.

Among the most popular varieties of wallets designed for women are standard wallets, agenda wallets, checkbook wallet, mini card wallets, and wallet on string. For professional or working ladies who want to stay organized via keeping their items such as diaries, notebooks, calculator, calendars, address books, and pens plus cash in an organized way, agenda wallets are the best options. Checkbook wallets that come in the size of a checkbook are also a great alternative for those who want to keep their personal information and cash in an organized way. If you are a credit card or debit card user and you need to carry more than two cards at a time, then card holders with about the size of a debit or credit card serves as an excellent choice. For those looking for something different, try wallets with straps that allow you to carry your wallet across your chest or on the shoulders.

When comes to men's wallets, options are limitless, and they usually differ from women's wallet in terms of its features, appearance, and usages. Some of the most popular forms of men's wallets now available in the market are bifold and trifold wallets, coat wallet, credit card wallet, checkbook wallet, and money clips.

Materials such as leather, canvas, cotton, nylon, and suede are used to design men's and women's wallets. Leather wallets are a much sought after among both men and women. But tastes differ when comes to color. Men mostly prefer to have brown or black wallet. But a woman usually goes for wallets that come in vibrant colors such as bright pink or blue colors.

Friday, September 14, 2012

Penny Stock Picks - Are They Worthy of the Gamble?

Whichever name you like to employ, whether it be penny stocks or micro cap stocks, you almost certainly appreciate the massive promise there is. A colleague of mine understood his pal from high school sat at his mom's house all day and ate cake as he allegedly hit it big with a micro cap stock. Take that for what it's worth, but there are a lot of people out there who put money on on a stock and won big time.

Of course the flip side is that loads of individuals drop a ton of money by making a bet on cheap stocks. The equation of playing micro cap stocks amounts to putting the odds in your favor as much as you possibly can, and attempting to diminish your risk as best as you can.

Let's look at how to place the chances in your favor to capitalize on profit potential before you get a micro cap stock:

* Identify bullish technological analysis patterns that suggest a break to the upside

* Examine news stories and determine the hopefulness portrayed within the news

* Recognize past resistance levels and plan to exit or lessen your position accordingly

* Check the proportion of shorts in the share of stock you are interested in, the higher the better

* Investigate and recognize forthcoming newsworthy events that could negatively or positively move share valuations, for example quarterly earnings release dates or projected dates for announcements on FDA approval of new drugs that have the ability to bring huge profits to small pharma companies.

Now we can glance at how to curtail our danger when trading micro cap stocks, since unquestionably there will be a little losers:

* Use of stop loss orders, setting them just below previous support levels can save you an absolute huge amount of cash if the stock goes down fast

* Watch news develop with reference to earnings power for the company and sell if you find credible evidence that bearish sentiment will prevail by the time the next quarterly earnings release is out

* If your gut tells you to sell you with a minute or moderate loss, do it!
If all of this sounds like nonsense to you, I propose that you get a little more accustomed with micro caps and stocks in general. However don't think for a minute this stuff is over your head. If you have a burning yearning to make it big by playing the market, I think you stand an tremendous chance at achieving your dreams. Maybe you just need a little hand holding to get you on the right track.

If you would like to follow some of my micro-cap stock picks, you can sign up at my site free of charge. Some do extremely well for us, we like stocks with big potential in short periods of time. That way we can move on quickly if the pick doesn't move. It's an exciting thing to check your trading portfolio and see that your investment has gone up 100 percent or more in just a couple days, and that's what our end is with each pick.

Hopefully you have a small amount of time available each week to devote to start a part time endeavor into penny stock trading. It's really a great deal of fun, even though not all picks are winners.

So to finish the thoughts posed by the title of this article, I would say that playing these types of stocks is most definitely worth the risk if you play your trades right and know what to look for.

Monday, September 10, 2012

Removing Tax Liens: Remove Paid Tax Liens And Save Your Credit Report From Expired Tax Liens

Eliminating Tax Liens, including Expired Tax Liens, is just not easy to do. Having said that, you do desire to Get rid of Paid Tax Liens as soon as you get the opportunity. Sometimes you'll need to take it directly into your own hands to take off Tax Liens as soon as they have become Expired Tax Liens. It could be your job to halt Paid Tax Liens since Expired Tax Liens aren't usually instantly eliminated. If you do not Remove Tax Liens they could sit on your Credit Report forever! This guide will allow you to Remove Paid Tax Liens from ruining your Credit Statement. You can Get rid of Tax Liens and Remove Paid Tax Liens, which may be Expired Tax Liens, easily.

The Important Points regarding Eliminating Tax Liens: You are allowed to remove credit details from your credit report that's no longer current, according to the "Federal Fair Credit Reporting Act". Utilize your protection under the law! Therefore you can Take off Tax Liens that are a minimum of seven yrs . old, because they are officially "Expired Tax Liens". Be sure to Remove Paid Tax Liens if you get the chance, it can repay in the long run.

Eliminate Paid Tax Liens: The Seven Year Guideline
If you're thinking of Paid Tax Liens, not all of them are the same. You can't Remove Tax Liens on an ongoing Tax Debt. Should your Tax Debt is not entirely satisfied, you can not get rid of the Tax Debt. It's really a tad much better to Remove Paid Tax Liens or Expired Tax Liens, however , you have to take notice of the "Seven Year Rule" if you want to Remove Paid Tax Liens. Essentially, Expired Tax Liens are compensated Tax Liens that can be a minimum of seven years old. A Report of your Paid Tax Lien will probably show on your credit report until it's Seven Years of age or older. At that point, you can easily reduce these Expired Tax Liens from the credit report. The only way to Remove Paid Tax Liens is when they're seven years of age or older. You have to watch for Tax Liens to become Expired Tax Liens if you want to Get rid of Tax Liens that aren't over 7 years old.

Ask for copies of the credit reports coming from Equifax, Experian, and TransUnion. According to legislation, you are eligible for 1 totally free copy of your credit reports each year. Visit AnnualCreditReport.com to request your copy of yours.

Review your credit reports, and make sure your tax liability was paid 7 years ago. It is easy to argue undesirable data using the credit reporting organizations if your Tax Liens had been paid at least seven years back but haven't been taken off. In case the compensated Tax Liens are less than 7 years, you need to wait for your an opportunity to remove them.

Speak to the 3 credit reporting companies if seven years have gone by. You can email all of them (their email addresses are listed on their web sites), or you can easily deliver regular letters. Be sure you keep all correspondence for your own records. Make yourself copies before you send your own notice for the consumer reporting agency via by way of certified mail, return receipt requested.

Experian
P.O. Box 2104
Allen, TX 75013
1 (888) 397-3742

TransUnion
P.O. Box 1000
Chester, PA 19022
1 (800) 916-8800

Equifax
P.O. Box 740241
Atlanta, GA 30374-0241
1 (800) 685-1111

In any case you get in touch with all these companies, be it by letter or e-mail, possess duplicates of aiding documentation involved, like docs that prove when you paid the lien.

Hang on for about one month for an answer from the Credit Reporting Company. They should reply with a duplicate of your Credit Report that reflects the brand new changes.

You shouldn't let Tax Liens stay on your credit report indefinitely. If seven yrs have gone by since you paid out your tax debt in its entirety, Get rid of Tax Liens should they be Expired Tax Liens.

Saturday, September 8, 2012

Things To Consider When Building A Second Floor Addition

Building a second floor addition onto a single story home has become a very popular option for home owners looking for additional living space without the hassle of uprooting their family. However, you should keep in mind that building any home addition is a major enterprise and that building a second story is not a simple undertaking. Here are a few things to consider.

Verify the local zoning laws of your neighborhood. Some zoning laws restrict the construction of second floor addition because it will impact the aesthetics of the neighborhood or create other issues to adjacent properties.

Local building codes should also be examined to ensure that a second floor addition onto an existing single story home is allowed. One thing to consider is the home's existing foundation. In order to determine if the foundation can support a second floor, you will need to enlist the help of a building inspector, foundation contractor or an architect who will examine the existing foundation. Adding a second story onto a ranch style home will create significantly more load on the concrete footing and the foundation walls. The footings and foundation walls are typically built wider and stronger for two story homes which means that you will most likely need to reinforce your existing foundation.

Before removing the roof of your home, you will need to plan for potential obstacles that will need to be addressed. For example:

- What is the size of the ceiling joists? Can they support a second floor?
- Are there mechanical elements such as plumbing, electrical and HVAC running on the top of existing ceiling joists?
- Are there any utilities attached to the existing roof and how much overhang does it have?
- Is the roof sheeting made of plywood or 1x boards?
- How many layers of shingles are on the existing roof?
- Are there any stacks or flues protruding through the roof such as vent pipes, fireplace chimney or furnace flue?

The mechanical infrastructure of your home will also need to be carefully examined. Elements such as the heating, plumbing and electrical will need to be upgraded and modified to support the second story addition. Typically, a larger furnace and electrical panel will need to be installed.

There may be some repair costs associated with your second story addition. Although your contractor will make every effort to ensure that the integrity of the main floor is maintained, inherently there are risks of damage to the first floor's walls and ceilings. This type of damage frequently occurs while the roof is being removed and while the second floor addition is being constructed.

The cost of building a second story addition onto a single story home is relatively expensive on a cost per square foot basis. Typically, there is a 30 to 50% premium for adding a second story over the standard construction costs per square foot. However, the alternative of selling your home and buying a new one is, in most case, a more expensive alternative. Keep in mind that you may be able to tap into your home equity or take out a home renovation loans to cover the costs of your second story addition, making your dream of a larger home a reality.

Saturday, September 1, 2012

Mike Dillard's Elevation Group - Another Over Hyped Sales Pitch Or The Real Deal?

You'd have to be stranded on a deserted island in the middle of nowhere to not have heard about the launch of Mike Dillard's latest financial program "The Elevation Group". I've witnessed countless other wealth building programs being pitched, hyped up and marketed to death but I have to admit the level of sales pitches and marketing surrounding Mike Dillard's Elevation Group was about as over the top as I've ever seen.

The big affiliate marketers came out in droves and now you're suddenly seeing a bunch of internet marketers all now claiming to be financial experts. That is absolutely ridiculous.

Half these affiliate marketers suddenly claiming to be financial experts and economists wouldn't know a stock P/E ratio or a leveraged Exchange Traded Fund from a lead capture page. By the way, if financial terms like that leave you scratching your head then you need to read this Elevation Group review more than you know.

So let me cut through the silly marketing tactics and super slick sales pitches and give you the inside scoop on Mike Dillard's Elevation Group from an investor's (not an affiliate marketer's) perspective.

What is the Elevation Group Exactly?

The Elevation Group is a financial and investment education based membership group created by Mike Dillard. Mike is actually one of the most successful internet and network marketers in the business and is well known and respected in the industry.

So how does an internet marketer create a financial and investment education company? I mean what does an internet marketer know about investments and financial information? That is exactly the point of Elevation Group. Admittedly, Mike knew very little about investments and wealth building strategies when he started the Elevation Group. The Elevation Group is actually Mike's personal diary of his journey into unlocking the investment strategies of the ultra-rich.

In nutshell, as a member of Elevation Group you get to tag along and follow a multi-millionaire internet marketer around as he scours the world in search of the absolute best financial experts and wealth building strategies available.

What Type of Information Will You Get in the Elevation Group?

As Mike says, he unlocks the "black-box" investment strategies of the rich. You'll discover how financial gurus and multi-millionaires like Robert Kiyosaki and Donald Trump actually get richer during times of economic turmoil.

You'll learn how to use a concept called "infinite banking" to become your own bank and grow your money 100% tax free. You'll also get to listen in on world renowned precious metals investor Mike Maloney as he shows you how to grow your wealth by as much as 280% even during a recession.

You'll learn how to scoop up cash-flowing real estate investment properties at pennies on the dollar by leveraging silver and gold. There's also an extensive education on how to profit during times of high inflation and how to protect your family from a financial crisis like the one we had in 2008.

We all know that millionaires and billionaires get to play by a different set of rules and have access to better investments than the masses. Since Mike is already a multi-millionaire, as a member of the Elevation Group, he lets you tag along as he opens doors and gains access to financial investments and wealth building experts that average people simply cannot.

Will You Get Rich With Elevation Group?

The Elevation Group was created more to help you grow the money you already have rather than to make money. If you don't have much capital to invest and you need to make more money, then the Elevation Group may not be the best option for you. The Elevation Group is not a business opportunity but is more of a rolodex of expert financial information and contacts. Truthfully, if you're not an experienced investor I would recommend you obtain the services of a good financial investment advisor who has extensive experience with alternative investments and wealth building strategies before you join the Elevation Group.