Posts Tagged ‘Ups’

New Cure for Hassle-full Computing

October 15th, 2009
computer8 New Cure for Hassle full Computing



Let’s face it for many being on the computer is hassle-full. Being on the computer isn’t fun and productive any more.

Whether your home or business computers are online or offline over time they seem to slow down and many times crash. Being on the computer isn’t fun and productive any more. What is it that

causes these problems?

It’s my experience that the average individual knows a lot about his/her chosen field and very little about computer repair services and protecting information stored on a home or business computer.

Most of us are looking for a simple easy way to work or play on our computer. Unfortunately, computers have become complicated, necessary tools. Yet, it seems, several months after purchasing a computer it begins to bog down and run slower. You might experience mysterious freeze ups and crashes. Once this problem turns into a nuisance, generally, the computer is taken into a computer repair service shop where it will be out of commission for a week or so and a few hundred dollars spent to clean it up.

Most people don’t understand the relationship between a slow running computer and cyber-crime. Yet, the relationship is huge. There is a huge need to develop safe computer practices and rely on

an emerging computer industry called “Personal Computer Services.”

One of the ways I like to describe computer safe practices is by comparing it to safe dental practices. We are encouraged to develop an everyday practice of flossing and cleaning teeth, right? We do this to keep the teeth clean and avoid dental problems like infection and tooth decay in the future. In other words we do this to avoid dental hassles. We want a hassle-free dental experience.

Now, when you compare best dental practices to keeping your computer running like new, you need to implement similar measures. Only this time instead of brushing and flossing you have to develop safe computer practices including purchasing the computer repair service money can buy. On top of that, you’ll also need to set up a safe practices guideline for everyone in your family.

A slow running computer or a computer that crashes frequently may be a sign of Malware (Trojans, viruses, worms, and other malicious code) on your computer. These hacker tools not only can be used to steal sensitive information from your computer they slow your computer down or even cause computer crashes. Unfortunately, traditional over-the-counter computer protection products don’t keep up with this growing problem. If they did would we continue to have these problems?

Over the last three years there’s been a huge shift from curious hackers to professional hackers creating devious methods to steal proprietary information from computers like yours. This evolving threat is costing individuals and businesses tens of billions of dollars every year. V. McNiven, an advisor to the U.S Department of treasury has stated, “The proceeds from cyber-crime are now greater than the sale of illegal drugs.

These evil hackers continue to find more devious ways of stealing financial and proprietary information. It is important that every individual, family and business have a computer repair service plan in place to protect themselves from these cyber terrorists.

You might be surprised to learn that computers that don’t go online are vulnerable through file sharing from infected flash drives, cds and floppies. These devices, when infected, can install scrambling software or logic bomb software that opens up the possibility of extortion to get your proprietary information back.

A 2007 PC Magazine survey of 42,000 PCs worldwide released last September showed the top speed killers. The problems included:

· Over 52 percent of the PCs surveyed were clogged up with spyware

· Over 60 percent of the PCs surveyed had un-optimized Internet settings slowing the Internet down and even signaling that spyware and other malware have secretly stolen portions of your bandwidth to run on your PC.

· Surveyed computers also contained an average of twelve serious registry problems per unit that may have been caused by spyware and other malware.

Incredible, many of these computers are supposedly protected by the over-the-counter products that aren’t doing what they promise to do. So how can individuals and small businesses protect against identity theft, fraud and extortion? How can they get their computers back to running like new again?

Here are six crucial steps to protecting your computer and making it fun and productive again:

1. Keep your computers patched. Microsoft has automatic patch updates. Make sure are signed up to receive them.

2. Use professional enterprise grade anti-virus and anti-spyware at the email and web gateways. Install a professional grade by-directional firewall to guard against backdoor threats.

3. Use sender-authentication technologies, such as Sender Policy Framework (SPF) to make phishing far more difficult since – In theory – phishers will only be able to send their spam from “unapproved” domains.

4. Develop and enforce a password policy. This will make passwords difficult to be guessed. Use a different password for each situation. Make sure these passwords are changed frequently. If you use one password for every web site, for example, and a phisher manages to steal it, all of your online activity is at risk. Sophos, an enterprise grade Internet Security Company, recently conducted a business poll and discovered 41 percent of the respondents were using the same password for all web sites.

5. Keep an eye on the advice from organizations promoting safe computing. Many of their web sites will list the latest threats, and give advice on how to protect your home and business against them.

6. Always report suspicious activity.

Just as important, find a computer repair service that offers “Personal Computer Services.” Your personal computer service should include online repair at no additional cost. The end result: hassle-free computing making being on the computer fun and productive again. With the right computer repair service, using computers at home and at work should be hassle-free allowing you to focus more on your home and business activities.


Tips for Better Investing

October 5th, 2009
investment9 Tips for Better Investing



Whichever way you plan to invest, this section will give you some tips and techniques to get you started

Understand why you are investing.

One of the keys to successful investing is identifying your investment goals, and the time frame over which you will invest. What do you want to do with your money?

Do you want to save for a goal? Do you want to invest a certain amount? How long do you want to put that money away for?

Your goals and time frame

When investing money, many people have a specific goal in mind. If this is the case for you, you need to decide what time frame is attached to that goal — short term, medium term or long term?

Short term (1–3 years) deposit on a home overseas holiday new car starting a family Medium term (3–7 years) boat house renovations Long term (7+ years) children’s education deposit on a holiday house retirement

Rather than having a particular investment goal, some people may just want to invest a sum of money, for example, an inheritance. If you are in this situation, you need to decide what you want from that money. Do you want to use the money in the next year or two? (in which case you are a short-term investor).

Or do you want a regular income? Or do you want it to achieve capital growth over the long term?

A short-term investor would be more likely to choose a more conservative investment like cash, to ensure that their capital is available in the next one to three years when they need to access it. A long-term investor would be more willing to invest in growth assets such as shares, as they do not need to access their capital for at least five years, so are usually less concerned about short-term ups and downs. They recognise that the potential returns are higher in growth investments, and if they are held over the long term the risk associated with short-term volatility is reduced.

Don’t forget that superannuation is one of the most tax-effective ways to invest for the long term. If you would like more information on superannuation, contact your financial adviser.

In considering which type of investment is most suitable for your goals, a professional financial adviser can help you with this decision after analysing your investment objectives, particular needs and financial situation.

2. Become an investor instead of a saver.

Many people invest but only some become wealthy. Why? The mistake many people make when investing is that they treat their investment as saving. So what is the difference between saving and investing? Saving is what you do to build up funds for something, like a holiday, and when you have the amount saved, you withdraw your capital from your investment and spend it.

Investing is different. People who want to build wealth invest their money for the long term in growth assets, such as shares and property. Their strategy is to spend the income that the investment produces, but leave the capital invested. They don’t withdraw the capital, so it stays there to grow, which in turn allows more income to be produced.

If you do this it will take you a while longer initially to get to your investment goal, but in the long run you will find that the extra wait has been worth it. As the years go by, you may have an increasing additional income stream from your investments and your standard of living can rise accordingly.

So what’s the secret to becoming wealthier? It’s easy! Start investing, and stay invested.

Other Tips to Remember…

Start early and take advantage of compound interest.

There is always a ‘good’ reason for not investing, but there is actually an even better reason to start investing right away. In fact, starting sooner rather than later is one of the best investment decisions you can make. The reason? So you can take advantage of compand interest. The problem is that compound interest works against those who hesitate. Most of us studied compound interest at school, so we know how it works. But it’s not until you start looking at practical examples that you realise how powerful it can be.

Use market movement to your advantage.

Dollar cost averaging – One way to ride out the market’s ups and downs is a technique called dollar cost averaging, typically used in managed funds. With dollar cost averaging, you don’t have to focus on where share prices or interest rates are headed. You simply invest a set amount of money on a regular basis. Dollar cost averaging is an investment technique that can help turn the odds in your favour. The idea is that you buy less units when the market is up, and more units when it is down — automatically.

Don’t try to time the market.

One of the excuses many use for not investing is that it is not the right time to invest. These people are likely to be under the misconception that they have the magical powers to be able to predict the future. They are under the illusion that the path to riches is a matter of getting on the right horse at the right time.

However, as investors begin to learn the vagaries of markets, they begin to realise the insurmountable difficulty in picking market movements. Trying to pick the magnitude and direction of market movements has cost even the most experienced investor dearly. Don’t chase returns.

Investing in the fund that had the best performance last year may be a big mistake! Most fund managers will offer you a choice of many different types of managed funds, from shares and property to fixed interest and cash, to mixtures of all of them. There are also usually a range of different share funds investing in different parts of the world. Given such a wide choice of investments, and the ability to switch your investments between them for little or no fees, some people make the mistake of chasing returns.

Chasing returns means that you are moving your investments across to the fund that had the best performance last year. Why can this be a mistake?