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Phishing with a Net
When geeks gave us the Internet and the means to use it, they also gave us a new segment of vocabulary ...
I've often thought it a shame that a few of them didn't make their way to a campus literature or marketing department and see if a student viagra of poetry or sizzle could assist them in assigning names to their innovations. For example, did the manual cursor operator have to be called a 'mouse?'
Geeks have overtaken sports-speakers when it comes to coining bad phrases. I've never understood why basketball types say a player 'kicks out' a ball to a teammate on the perimeter when his feet never touch it. Worse yet, I've always wondered if a gridiron football player would really want to dive on the ball if the carrier truly 'coughed it up!' That bit of literal imagery is more revulsive than handling a mouse. Do these guys really think about what they're saying?
There is one instance, though, where the geeks thought it through and got it right. 'Phishing' is a perfect connotation for cyber-cons who troll for prey.
The word's spelling distinguishes this nefarious activity from a sporting endeavor, but it's still a game. The definition that's been developed for it is "a technique used to gain personal information for purposes of identity theft, using fraudulent e-mail messages that appear to come from legitimate businesses. These authentic-looking messages are designed to fool recipients into divulging personal data such as account numbers and passwords, credit card numbers and Social Security numbers."
Another term that alludes to the emotive consequences of cyberobbery is the perjorative sense of 'hacker.' That bit of etymology seems to be a work in progress. The accepted definition refers to "individuals who gain unauthorized access to computer systems for the purpose of stealing and corrupting data." However, the added qualifier is, "Hackers, themselves, maintain that the proper term for such individuals is cracker."
Being hacked or being cracked makes little difference to those on the receiving end. They just know they've been had. Understandably, their first impulses are to get mad and want to vent. My contention is that, most of the time, they're lashing out in the wrong direction. After all, crooks are crooks; that's their job and they're out there in numbers. That's not going to change anytime soon.
These victims need to take a hard look at themselves.
The economics of law enforcement --- in cyberspace or elsewhere --- limits what can be investigated and prosecuted. Thus, smart spoofers often keep their 'take' per scam campaign at levels sufficiently low that the cost of prosecuting them is not viable. Then, they change their coordinates, plus their identities, and do it again.
So, obviously, the most important factor in cyber-diligence is self-precaution. Most steps are basic, as evidenced by the checklist on the USA government's Federal Trade Commission website:
"If you get an email or pop-up message that asks for personal or financial information, do not reply. And don�t click on the link in the message, either. Legitimate companies don�t ask for this information via email. If you are concerned about your account, contact the organization mentioned alternative to viagra in the email using a telephone number you know to be genuine, or open a new Internet browser session and type in the company�s correct Web address yourself. In any case, don�t cut and paste the link from the message into your Internet browser � phishers can make links look like they go to one place, but that actually send you to a different site.
"Use anti-virus software and a firewall, and keep them up to date. Some phishing emails contain software that can harm your computer or track your activities on the Internet without your knowledge.
"Anti-virus software and a firewall can protect you from inadvertently accepting such unwanted files. Anti-virus software scans incoming communications for troublesome files. Look for anti-virus software that recognizes current viruses as well as older ones; that can effectively reverse the damage; and that updates automatically.
"A order viagra firewall helps make you invisible on the Internet and blocks all communications from unauthorized sources. It�s especially important to run a firewall if you have a broadband connection. Operating systems (like Windows or Linux) or browsers (like Internet Explorer or Netscape) also may offer free software 'patches' to close holes in the system that hackers or phishers could exploit.
"Don�t email personal or financial information. Email is not a secure method of transmitting personal information. If you initiate a transaction and want to provide your personal or financial information through an organization�s website, look for indicators that the site is secure, like a lock icon on the browser�s status bar or a URL for a website that begins 'https:' (the 's' stands for 'secure'). Unfortunately, no indicator is foolproof; some phishers have forged security buy viagra icons.
"Review credit card and bank account statements as soon as you receive them to check for unauthorized charges. If your statement is late by more than a couple of days, call your credit card company or bank to confirm your billing address and account balances.
"Be cautious about opening any attachment or downloading any files from emails you receive, regardless of who sent them. These files can contain viruses or other software that can weaken your computer�s security.
"Forward spam that is phishing for information to spam@uce.gov and to the company, bank, or organization impersonated in the phishing email. Most organizations have information on their websites about where to report problems.
"If you believe you�ve been scammed, file your complaint at ftc.gov, and then visit the FTC�s Identity Theft website at www.consumer.gov/idtheft. Victims of phishing can become victims of identity theft. While you can't entirely control whether you will become a victim of identity theft, you can take some steps to minimize your risk. If an identity thief is opening credit accounts in your name, these new accounts are likely to show up on your credit cheap viagra report. You may catch an incident early if you order a free copy of your credit report periodically from any of the three major credit bureaus."
If you use e-currency or e-payment services, be aware that they are usually not liable for any of your losses if you've been hacked or cracked due to identity-theft issues. All reputable services have support divisions that investigate any complaints of spoofing --- for example, Paypal asks you to mail them at spoof@paypal.com if you receive a suspicious message using their name --- and if anyone is going to pursue, or at least keep on file, complaints of any amount, it will be them.
Virtually all e-currency services offer options of 'virtual' keyboards for logging in to accounts. They may be a bother, but they are very effective at adding a formidable obstacle for cyber-invasion. Then, whether or not you took this step to access your account, make sure you take the time to actually log out of your account, as opposed to merely clicking away to your next site.
I note that the Longer Life site has two very good preventive products as sponsors, Kaspersky Labs and Identity Guard. They are first-class products and well worth your while to consider.
This stuff doesn't take long to research or to implement and you don't have to be a geek to do it. You don't even have to know their their terminology. Instead, when you're done, you can confidently refer to a familiar generic viagra term in both sports and banking:
Safe.
Lionel Messi - Player Focus
Another off the Argentine assembly line of �New Maradonas�, Lionel Messi may be the first to live up to that unfair comparison. Where Javier Saviola, Juan Roman Riquelme and Pablo Aimar have unsurprisingly failed to match HIS high standards despite initial promise, Messi has shown that even at a young age he is able to carry the weight of expectant teammates and a nation on his shoulders.
Credit must also be given to his Barcelona coach Frank Rijkaard for not rushing him into a starting place at Barcelona he is more than ready to hold.
"It is clear Messi buy viagra is a talent, a future player, but I ask that everyone continues supporting him when he is out of the team because he is still very young." Rijkaard said in a recent interview. He continued:
"I'm convinced about him because I know he isn't paying attention to all the speculation in the media."He prefers to do his talking on the pitch.�
In fact his three goals and one assist in nine generic viagra league starts for Barcelona this season to add to his goal and assist in the UEFA Champions League back up his coaches claim, and at 18 years young we are only just starting to see glimpses of his enormous potential. Messi states:
"I want to keep on learning and I hope things go well for me. The thing is to help the team as much as possible."
These are the words of a young man with a focused head on his shoulders and more importantly good advisors around him. How many times have we seen the vultures swoop in on young prodigies sweet talking them and their parents into committing career suicide by sulking and demanding more playing time only to become no more than a trivia question five years down the road.
With the World Cup in Germany swiftly approaching Lionel Messi will definitely be one to watch if selected for national duty.
Enrique Dom�nguez, Messi's former coach said "He could do things with the ball that defied the laws of physics. The only other person I have ever seen do that was Diego Maradona".
Let us all recall that Maradona himself did not come into his own until the 1986 World Cup in Mexico despite being tipped for great things in Spain four years prior. That World Cup was a general disappointment for Maradona as well as Argentina. Messi will be three years younger than Maradona viagra was in his first World Cup appearance and it is important that we all allow Lionel to continue developing at his current pace without order viagra placing on him too much pressure for a teenager to handle. For his part Messi must maintain his enthusiasm and work ethic that has so far impressed his coaches and peers. alternative to viagra If he can do that then the sky is indeed his limit.
- Career Highlights
June 24, 1987Born in Rosario, Argentina
2000Lionel and his family move to Spain to help treat his hormonal growth deficiency
Signs for Barcelona at the age of 13
October cheap viagra 16, 2004Makes his Barcelona first tem debut against RCD Espanyol
May 1 2005Becomes the youngest league scorer in Barcelona�s history against Albacete when he scored his first goal at 17 years, ten months and seven days
June 2005Helps the Argentina Under 20 team win the FIFA World Youth Championship scoring two goals against Nigeria in the Final
June 27, 2005Renews his contract with Barcelona until 2010 with a �150 million buy-out clause
August 4, 2005Receives his first call up to the Argentine national team
September 25, 2005Obtains Spanish citizenship allowing him to play more games for Barcelona no longer being restricted by the non-EU player quota
Real Estate: The Consumers Will Have The Final Word!
�The first step toward change is awareness. The second step is acceptance�. --Nathaniel Branden
Change is good for the consumer and for the real estate industry. It fuels competition and drives innovation and efficiency. Yet, the real estate industry has seen little change during the last 50 years. Indeed, other than marginally lower commissions as a result of the introduction of �discount brokerage models,� the change is imperceptible.
Will the industry survive as we know it today? What will it take to thrive in the future?
Technology and changing consumer behavior will be the driving forces behind change, but not the only forces. What matters is what the consumers buy viagra want -- not what we think they want.
We searched for answers. We went from denial, to awareness, and finally to acceptance. The lessons were harsh but clear. We needed to listen and learn from the consumer. Here is what we learned and want to share with you.
Legislation and regulation can�t stop evolution and innovation.
It is not business as usual anymore. Prior success no longer guarantees the future viability of the existing real estate business model and profitability for the industry. While it has been a long and rewarding ride, its time has passed. However, there should not be any doubts that there is a bright future for the real estate industry. After all, real estate will continue to be the heart and engine of our economy. And it will be especially brighter for those embracing radical change and seeking new ways to serve the consumers. Those that embrace the change brought by evolution will succeed. Those that continue to use legislation to defend the indefensible will see their business succumb to innovative models that put the interests of the consumer at the center of the process.
Consumers have lost confidence in the traditional model.
Is anyone surprised about this? Have consumers been taken for granted? Did the industry forget that consumers are critical on both sides of the transaction? You would have thought that consumers would be in control of the process. Yet, ironically, consumers do not have any leverage because the power resides with intermediaries. Consumers� options are limited when buying or selling real estate, particularly for those who want to go about it on their own.
We hear frequently: �Why do we need to pay a 6% commission for selling our property?� That concern is being felt across the real estate industry, and order viagra while commissions are being reduced, the decrease is still not commensurate with the �homeowner�s perception of value�.
Homeowners believe that fees should be based on �the value of the services� and not on �the value of the property�. The adage that a rising tide lifts all boats has proved to be true in the real estate industry. This rising tide has brought housing values to record high levels. The good news for the homeowners is that their equity has increased. The bad news (which materializes at the time of the purchase and sale of property) is that such increase is completely independent of the contributions of third parties. It is simple market forces at work : supply and demand.
Consumers see through the lack of transparency.
Consumers know that you are not what you write or say, but what you do when no one is looking. Consumers want more transparency. They want all the myths to disappear. They want a leveled playing field, with unrestricted access to the tools and knowledge required for a successful sale or purchase. They want transactions that are �procedurally� easier alternative to viagra, smarter, cheaper and faster. They want to choose how to go about buying and selling. The one size fits all approach is not longer valid.
Because of this lack of transparency, consumers are paying more for less value. Consumers are working more, but not being compensated for their efforts. Over 74% of buyers are now using the Internet to search for properties, yet they cannot complete the process because the back end is controlled by intermediaries. Sellers who want to sell on their own do not have an �effective platform� to market their properties, unless they use the Multiple Listing System. The cost of representation currently based on the value of the property is archaic and does not reflect the realities of the times. The absolute value of commissions paid continues to increase and the beneficiary is not the consumer. It is the consumers� equity that continues to erode, while the economic benefits are enjoyed by the intermediaries. Simply stated, the time has arrived for the consumers to be in control of the process. After all, the consumers own the properties and who better than them to decide what to do and how to go about it. They are willing to pay for the services and guidance they need, but not as a function of the value of a property.
The traditional model does not reflect today�s consumers.
Advances viagra in technology and the ever increasing sophistication of consumers are destined to change the way home real estate is bought and sold. Did the industry fail to recognize changes in the behavior and expectations of homeowners and investors?
Today�s consumers are tech savvy, more independent, more sophisticated, more knowledgeable and want to be in control. They want to have choices!
Almost every traditional brokerage house has a web site mostly used to provide �photographs and summarized property information.� This is a step in the right direction, but not quite what the consumer wants. Consumers want access to the same information and tools that professionals have. They want a buy and sell process that is �easier, smarter, faster and cheaper�. Consumers know that the Internet has made it possible to have access to information and resources that in the past only were available to professionals. The Internet has also made it possible to provide these services at a fraction of the cost. Technology based models are not a substitute for good judgment, but they are more efficient and transparent. These efficiencies result in lower cost of representation, and access to information and know how that is completely unbiased and independent of the value of a property. Put another way, technology drives down the cost of representation!
Homeowners want real options, not a recycled traditional model.While real estate is a $ 1.3 trillion industry that is highly fragmented, there is little differentiation between options. The industry also exhibits behavioral traits typically found in oligopolies. Consumers have been led to believe that the process of buying and selling is complicated and unmanageable without the intervention of an intermediary. This is simply not true. Consumers want real options that remove the �fear, uncertainty, and doubt,� which historically has been foisted on the real estate transaction by intermediaries.
There are over 2.3 million licensed brokers and agents in the United States. Entry and exit barriers are low. In theory, it looks like consumers have a very large number of choices. In practice, that is not the case. Mostly everybody offers the same and there is little differentiation between companies, business models, and services provided by brokers and agents. Consumers want �real choices,� not variations of the existing business model.
Currently, home owners that wish to sell their property have two options: (i) sale by owner (FSBO); or (ii) a contractual engagement with a licensed real estate broker or agent.
For those owners who desire to sell their property themselves, advertising and valuation tools are virtually non-existent. Their intent is to avoid the high commissions sought by brokers, but they are restricted in their advertising and analysis capabilities.
Looking to take advantage of the market necessity for a FSBO real estate solution, a plethora of market developers has begun to introduce solutions in this area. Nonetheless, these developers have focused on creating revenue from either individual online FSBO advertisements, advertisements from or referrals to third-party real estate professionals, lead generation, or some basic set of information services/tools with limited capabilities. These are legitimate alternatives for some but not for all.
Real estate consumers are actively seeking alternatives.Consumers have an infinite appetite for information and knowledge. Web based applications have made that possible and there is no turning back. According to a 2004 report from the National cheap viagra Association of Realtors, the Internet has rapidly become the preferred method of property search with over 70 % of homebuyers indicating that they utilize it as their primary source of property listings. In fact, 2003 marked a milestone in the technological evolution of the real estate industry. That year, for the first time, more buyers used the Internet than newspaper advertisements as an information source. Buyers are doing most of the work, yet they find themselves having to go through an intermediary. Buyers do not buy the myth that �Commissions are paid by sellers.� They know these commissions are part of the gross purchase price and paid exclusively by them.
Most consumers want an innovative online business environment with functionality that incorporates optimal data sources, analytical tools, marketing exposure, and opportunity leads in a comprehensive and user-friendly online solution. They know the Internet has created new industries and new ways to transact business and they want to be the beneficiary of such transformation. New games and new rules will become the standard. And we better learn to play the new game!The consumers will have the final word.
Change is unavoidable but not easy to accept. Change is good for society and we are constantly witnessing the transformation of everything around us. Change drives innovation, efficiencies and progress. Why should it be different for the real estate industry?
We need to listen and learn from the consumers. They want choices.
They want to compare those choices and decide how to proceed with what is for most people a very important generic viagra investment decision in their life: buying or selling real estate.This is not about who is right or who is wrong. It is all about what is right for the consumer.
So Happy Together - An Anniversary Party!
An Anniversary doesn�t have to be a big or even number to warrant a celebration. A party should be held after every order viagra year you are happily married! An anniversary party can follow many themes and be held in a home, restaurant or hall.
Send out invitations well in advance of your gathering. They can be in wedding bell shapes, lovebirds, hearts or with whatever theme you have going on. A party supply store will have oodles of themes to choose from, including a safari, a 60�s theme or a classic car party. Paper products to match the motif include thanks you cards, party favor bags, plates, napkins and tablecloths. Plastic silverware in any color is available for easy clean up and disposal.
Other anniversary party needs would be balloons, flowers and streamers. If you are having a large open house viagra style gathering, use centerpieces of flowers which compliment the theme. A palm tree for safari�s, a convertible plastic car for the classic and a pair of fuzzy dice for the 60�s work well in the center of the table. Your budget is the only limiting factor in decorating.
Games alternative to viagra are often difficult to play at an open house or anniversary party, but you can have other entertainment. Play the wedding video in the background or on a laptop computer. Have pictures posted or set out the wedding photo album for everyone to peruse and reminisce.
Party favors can be given out in the form of a picture with a thank you, a fun theme oriented figure buy viagra or just table mints. Use your imagination to top every previous year�s celebration. Take lots of pictures to continually cheap viagra add to a scrapbook just meant for the anniversary party. Have fun and watch everyone grow old and gray together over the generic viagra years!
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