...around for over 10 years but has been gaining in popularity as the hackers’ latest way of extorting money from you. So, what is it? As the name implies, it’s malware (malicious software) which has kidnapped your computer and is holding it for ransom. It works like this. You click on an unsuspecting link from a web page, social networking site, email message or (lately) Skype instant message. This launches a program which then starts to encrypt/lock some or all of the files on your hard drive. In the meantime, you are shown a fake web page from the FBI, CIA or some other agency to make you believe you’re in legal trouble and could even face prosecution. They’ll use scare tactics such as telling you that your computer contains illegally downloaded files ranging anywhere from music and movies to child pornography. They will then ask you to pay money for them to unlock and restore your files. As you’ve already probably guessed, they won’t keep their promise. They’ve got your money and now can, and possibly will, sell your credit card info to other hackers and make even more money off of you. They have no reason to “help you out” so, don’t think for a minute that they will help even if you pay them. How can you protect yourself from malware? Keep all of your computer software up to date. Make sure that you have up-to-date firewall and antivirus software installed on your computer. Most importantly, don’t click on any suspicious links from web pages, emails or instant messages...
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...Financial Plan Ginger Talley AB104 Personal Financial Management Kaplan University Prof. Denise Schoenherr 07/12/2016 I have learned that I am going to have to do some more research and see how I can put some more money towards retirement. From reading the News Release on the ssa website the year that the funds are projected to become depleted I will just become eligible for early retirement and five years later eligible for full retirement and then I would need to work another three years to be able to survive retirement if I am depending on what I paid in from the time that I started working. It will be eight years after the money is depleted that I would need the money that I have been paying in since I was sixteen, that looks like I will never see. So if the money that they are taking out of what I earned is not going to be there when I need it then why am I having the government put aside money for me that will not be there? I think they need to stop taking my money and let me put it into an account so that I can make sure that it will be there when I need it and not depend on the government to make sure that I get back what I have paid in because it looks to me like they are not going to be able to give me my money back. According to Mandell (2014) some retirees are fortunate to have sufficient regular income to meet their retirement needs. However, for most of us, only part of our needed income, most commonly Social Security, is protected against inflation. This...
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...of the most important medicines in the world. Many countries in the world use vaccines for their children. It have many positive impacts for kids. The vaccination of kids is very necessary in our children’s lives to protect them from the infectious diseases. A lot of physicians are advice for all kids to take vaccines to keep them alive and healthy. Vaccines is kind of medicine give the body protect from illnesses. Kids should be required to take vaccines because they protect their live from illnesses and save children and their parents time and money. Vaccines are very important because they protect children’s lives. Vaccines save 2.5 million kids from preventable illnesses every year. (procon.Org)...
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...Ethics, values and beliefs all play a role in accounting. But when it comes being a whistleblower you can see where these things can start to conflict with one another. Even though there are laws to protect a whistle blower very few people do and those who do blow the whistle aren’t always happy after it’s done. At the same time those who do report do receive benefits and can say they truly have honesty and integrity. Ethics is more than just what’s right and wrong. What is right to one person can be considered wrong to another. Ethics are based off of what we know to be morally right or wrong. Smoking marijuana is wrong in the United States but considered ordinary or right in Amsterdam. Some ethical decisions go further than knowing what is the right thing to do, sometimes our emotions can get the best of us and leave us making poor decisions. When deciding the ethical thing to do in a situation you must set your emotions aside and base your decision on what you know or consider being right. Ethics is a large part of accounting. You are constantly faced with decisions where you need to decide the ethical thing to do. Whistleblowing involves the act of reporting wrongdoing within an organization to internal or external parties (Eaton & Akers, 2007).As a whistleblower your ethical decisions are what decide if you should blow the whistle. You know that adjusting numbers such as Enron did is wrong and unethical. Many people are afraid to blow the whistle though even if a...
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...expectations. For example, a company’s profits may be hurt by a lawsuit, a change in management or some other event. * Interest Rate Risk: The risk caused by changes in the general level of interest rates in the marketplace. This type of risk is most apparent in the bond market because bonds are issued at specific interest rates. Generally, a rise in interest rates will cause a decline in market prices of existing bonds, while a decline in interest rates tends to cause bond prices to rise. For example, say you buy a 30-year bond today with a 6% annual yield. If interest rates rise, a new 30-year bond may be issued with an 8% annual yield. The price of your bond drops because investors aren’t willing to pay full value for a bond that yields less than the current rate of interest. * Market Risk: The risk that the value of your investment will decline as a result of market conditions. This type of risk is primarily associated with stocks. You might buy the stock of a promising or successful company only to have its market value fall with a generally falling stock market. * Market Risk - This is...
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...cover potential auto-related damages, loss or injuries | State Farm Insurance Company | This insurance helps protect you, your passengers, fellow drivers, pedestrians, other people's property and your vehicle. It can also help protect you in the event of an automobile-related lawsuit. | Home | This is property insurance that covers private homes. | Liberty Mutual Insurance | This insurance protects your home and other structures on your property like: a garage or tool shed Smoke, fire or lightning Windstorm, hail or weight of ice, snow or sleet Theft or vandalism, falling objects Freezing of a plumbing, heating, air conditioning or automatic fire-sprinkler system. | Health | This type of insurance covers health expenses incurred by the insured person, or persons. | Blue Cross Health Insurance | This insurance is the protection of medical costs in case of an illness or a medical emergency that pays for the appropriate medical treatment required. | Disability | Disability is defined as any mental or physical illness or injury which prevents you from performing your regular or customary work. | Claim for disability insurance benefits | This is a private plan that employers and employee groups may apply to EDD for approval of a voluntary plan. This is income replacement insurance, due to sickness or injury you are unable to perform the material and substantial duties of your occupation. | Life | Life insurance is a policy that people buy from a life insurance company, which can...
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...Skills That Should Be Taught in Schools: How to put money in your pocket and keep it there. By: José R.G. Alvarado González Have you ever asked, why in the world didn’t they teach you about financial intelligence in high school? Jim Rohn said that “if they would have taught Wealth 101 and Wealth 102 in high school, I would’ve taken both courses.” I totally agree with him. Financial education, that is, practical, useful information that will put money in your pocket is hardly ever taught in most school systems. Instead, most of us were taught how to dissect some type of animal, like a frog (in my case it was a cat!). As it turned out, a lot of the information that was taught in high school has proven completely useless as far as putting money in my pocket. (Unless I decide to go to medical school and become a veterinarian!) The sad truth is that a lot of the stuff that they bombarded us with in high school seems to have been an attempt to group us into some kind of category. Children are usually taught to follow norms and procedures, comply with the status quo, and become slaves to the system. Parents have a responsibility for their children’s well being, which includes their education. Unfortunately, the lifestyles that are being led, has forced many parents to spend less time with their children. Thus, much of this responsibility is placed on our school system. Effective money management is a subject that is neglected in our high schools. ...
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...my approval of your topic for the research-based report. This assignment will NOT be graded. The purpose of this exercise is to help you formulate the basis of your research-based report. It is also intended to keep you thinking and planning so that you will not submit a hasty, last minute, poorly written assignment! Research Topic Development: What problem or question does your research intend to address? Persuade management to invest in more security software and hardware. Why is topic of interest to you? Recently our web server was hacked and I believe it could have been prevented with the appropriate security measures; this would have prevented the organization from spending a significant amount of money to keep the server operational. Why is it problematic in your organization? This is the second time it has happened and could have been prevented. Why is it significant to your organization? Since the organization provides information to the war fighter, data corruption or unavailability may result in loss of lives. What are the benefits to your organization? The benefit to the organization would be saving of money on replacement hardware and software along with ensuring that the data provided on the web is valid and useful. How far along are you in your thinking and research? I have done some research along with speaking to a couple of vendors who can ensure network and system security. What do you anticipate your research will discover...
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...Your internet provider provides you with everything from the internet. They essentially are like a highway to your computer. But what if this highway had a toll booth with three options; an extremely expensive ipass allowing rich websites to pass easily to your desktop, a normal priced toll with no ipass slowing down poorer sites, and the toll could turn away any website they like. Internet service providers are trying to push for this kind of internet, a money based internet where they don’t have to show any competitors websites at all. This doesn't sound like a good thing for the internet we know and love. In order to protect the fundamental principle that the internet was based on, and small web-based companies, net neutrality Must be protected and preserved. To understand why Net Neutrality must be preserved first you have to understand it, the economics of it, the arguments against the system, and the effect its change would have on small web-based companies. Net Neutrality can be defined very simply, that all websites are treated equally and distributed to the consumer or business equally. According to Tim wu, a professor at Columbia law School, he says on his personal website article Network Neutrality FAQ “The idea is that a maximally useful public information network aspires to treat all content, sites, and platforms equally.” What he is saying here is that basic concept of Net Neutrality is that no matter what provider, or platform (computer, tablet, or phone...
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...create an Xbox live account got sold off. Computer misuse act The computer misuse act is a law that is made to protect computer users against attacks that are meant to steal information from the user the people who would normally do these attacks are known as hackers. Hackers can get to your accounts through things like your password and username this is why people keep telling you to have strong passwords that don’t relate to you directly. There are many different ways that a user can have security problems on their computers these are things like… • Hacking • Viruses • Identity theft Hacking...
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...How to protect From unauthorised access. Firewalls Secure socket layers (SSL) Strong passwords Firewalls Firewalls are a set of related programs that are located at a network gateway server. Firewalls protect private networks from users from other networks getting access. Firewalls are important to have to stop people from accessing things they shouldn’t as for example if someone not involved in a business gets access to a business’s website they then could access that business customers private information which would make that business not be trusted by the public which would lose the business money. Secure socket layers- easier to remember as (SSL) is a protocol for transmitting private documents through the internet. SSL keeps users personal details such as full name, address, bank card details, etc. knowing that websites with ‘https’ with the ‘s’ after the ‘http’ indicates that the website is secure and can be trusted to not do anything it shouldn’t such as sharing out your personal details or taking more money that agreed on if it was a site where you were purchasing something. Other sites that cannot be trusted may ask for details and if you give them all your details that that’s giving them everything that they need to steal your money and even steal your identity. Strong password...
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...often it is a family member who rips you off. The best way to protect yourself is to buy and use a paper shredder and a safe. Also the only organization you are legally required to give your Social Security Number is your employer and financial institutions, like a bank. The economic effect of identity theft is more than what people may think. Check fraud alone rose to 5.5 billion dollars in 2003. Because that money was taken from others instead of made legally, the economy shows a loss. The annual cost of identity theft to businesses is 53 billion dollars because if somebody gets the I.D of a business owner then they can funnel money out of that person’s business as well as their personal bank accounts. The American Bankers Association reported 677 million dollars of losses in 2003, which is a slight decline from 2001. Being that the article is a few years old, I would say that those numbers have gone way up since then. If somebody steals your identity, it could affect you in countless ways. All of a sudden your credit card will start being declined for insufficient funds. When you go home and check your bank account online, your money will have magically disappeared. A person could also open many credit cards in your name, ruining your credit. Now that your credit is ruined, you won’t even be able to get a loan for as small as 1000 dollars. As I said earlier there is only a few ways to protect yourself from this. Since most identities are stolen through paper...
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...Introduction There are many different mutual funds in the investment world that many of their spokespersons will tell you are extremely lucrative. However, when you look in the world of millionaires, many of them didn’t get there by investing their money in mutual funds. Not all of the funds can do as well as the sales people report that they do. It is predominantly up to the individual investor to become knowledgeable enough to tell why a fund will do well and which signs indicate a fund that does poorly. If I were to construct a mutual fund I would more than likely include companies that offered a combination of strong dividend stocks, aggressive growth companies, as well as a firm position in the real estate market. Strong Dividend Stocks Strong dividend stocks have a reputation of being large cap companies that offer a reliable rate of return on equity. These investment vehicles have historically shown the ability to do well even during a market correction, and some have remained in a strong position even in the midst of a recession. There are some very popular choices to go with within the Dow 30 list of companies. Strong companies such as General Electric, Coca Cola, and Proctor & Gamble have a great reputation for being stable companies that aren’t affected by large moves in the financial markets. These corporations are typically large cap companies that have offered dividend payments to shareholders for a long period of time. Many retirement funds are...
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...Anti Money Laundering http://www.antimoneylaundering.org/ HOME | ABOUT US | INDUSTRY | SERVICES | NEWS & MEDIA | EVENTS | CONTACT US Related Areas Know Your Customer (KYC) Services Online Political Corruption Data-File Terrorist Financing Filter Anti Corruption Enhanced Due Diligence (EDD) services Regulatory Compliance Country-Check Foreign Corrupt Practises Act Anti Money Laundering The word money laundering refers to the use of the financial system to hide the source of funds gained from illegal activity such as drug trafficking, bribery, extortion, embezzlement, theft or other criminal activity, as the criminals try to make their ill gotten gains appear genuine. Anti Money Laundering is the term used by banks and other financial institutions to describe the variety of measures they have to combat this illegal activity and to prevent criminals from using individual banks and the financial system in general as the conduit for their Proceeds of Crime. In all major jurisdictions around the world, criminal legislation and regulation make it mandatory for banks and financial institutions to have arrangements to combat Money Laundering, with harsh criminal penalties for non-compliance. The vast majority of criminal dealings are done in cash. Criminals need ways to dispose of the cash and have it reappear as part of their wealth with as little chance as possible of it being tracked back to the cash element. Criminals have to use the financial...
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...NFL monitors it marketing rights, they watch for; product promotions, media promotions, viewing parties, and Nominative Fair Use. However the NFL does license out its trademarks. Before diving into the NFL trademark policy, will first talk about what a trademark is, how to acquire a trademark, and the advantages of having one. A trademark, according to the trademark office is a “brand name.” It includes any “word, name, symbol, device, or any combination, used or intended to be used to identify and distinguish the goods/services of one seller or provider from those of others, and to indicate the source of the goods/services.” A trademark can be on the package of a product or even the product itself. The main purpose of a trademark is to protect the property of the individual or business. However the owner of the trademark has the right to license out it...
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