You Are Being Watched - Beware Of Online Fraud

It will not be wrong to say; net is a place of chaos and crime in many ways . Online fraud refers to the fraud schemes using one or more online services to conduct fraudulent transactions. Last year, over 200,000 online fraud cases were reported, costing losses to almost $600 million. We have to cope up with the reality of web world and prevent this online fraud. Different services of chat-rooms, e-mail, message boards and websites are being used to conduct online-fraud. Different types of Online Fraud Online fraud can be committed in several ways and the fraudsters prefer commodities which are easily sold and have a wider appeal. Some other ways of online fraud include: Stolen Credit Cards The most popular online fraud is done through the stolen credit card information. There have been many cases, where the hackers obtain great amount of credit card information from companies data bases. In many companies the employees have been selling credit card information to criminals, thinking them to be a customer. Get Wire Transfer Info Some fraudsters ask the merchants for large quotes and when it comes to payment they ask for their wire transfer payment information to send the payments and then they send fake checks through online check issuing system. E-mail Fraud Online Almost as fast as e-mail is being frequently used, a defrauding person via e-mail is also becoming popular. Many people have lost their life savings through this evil online fraud. Spoofing, Bogus offers and Request for help kind of mails are some types of e-mail fraud. Fake Online Auctions People are easily being trapped in these fake online auctions and lost great amount of money thinking they are safely shopping online. Reasons Why We Need Online Fraud Protection It is vital to have protection against online fraud for the success of your company as: * The amount used by the fraudulent through the credit card can be more than the security prevention services * Not only we are saved from the charge backs, but our customer is also satisfied that his/her information is secured * Our company s time, effort and profits will be saved and our customer can also shop safely Different Tools to Avoid Online Fraud * Use e-mail filter software for detecting spam and doubtful e-mails * Use anti virus software as viruses can pass information * Use anti-spyware and Adware programs, especially when downloading * Keep your computer update * Install a firewall to keep an eye on outgoing and incoming traffic By the end we can say that still there is no 100% protection from online fraud but using these tools and precautions we can minimize this risk and ensure fraud protection. Online Fraud Prevention and Internet Security for Merchant Accounts

Spyware

Spyware is camouflaged software installed without user knowledge or consent. It compromises the user s experience with pop-up ads; tracking their web activities and keystrokes, and it can transmit sensitive information like credit card and social security numbers back to the manufacturer. Spyware steals network resources, and the end result is the network being slowed down to a crawl or virtually stopped all together. The program sneaks in by attaching itself to free downloads like calendar applications and the like (porn sites, games, etc). Additionally, it often manifests in hard-to-access system folders, and resists extraction. It is autonomous but not a virus. Viruses are fleeting. Spyware has stamina. Transmission: Spyware can be transmitted via e-mail, although it is not spam. It can change your browser homepage and transmit from the Web onto your system with no provocation whatsoever. Hence, the term drive-by download. Spyware is elusive. It can affect some systems and not others, dependent on individual configuration. Some systems are more permeable, and get infested by visiting certain websites. File sharing applications like Kazaa, a peer-to-peer networking system with virtually no security can transmit spyware. Adware: Spyware has an abbreviated, less intrusive version called adware. This version generates targeted pop-up ads, but is permission-based. By agreeing to end user licensing agreements without actually reading them, users subject themselves to adware. This practice is comparable to online telemarketing, but subject to no formal restrictions. Detection Software: The proliferation of spy/adware has propagated a lucrative new industry of a different kind of solution provider, or spy-buster. Spy-busters like Ad-aware, Spychecker, Spyware, and Webroot are dramatically increasing their customer base since the advent of spy/adware. They depend on customers identifying new variants of offending files and new types of malware so that they can update their solution products. Egregious advertisers churn out invasive tools as fast as solution providers can update their products. They mislead users implying they can wipe out offending files, then merely replace it with their own product. As if that weren t bad enough, now a watcher file transmits along with the offending code; generating a monotonous loop until no other option exists but to agree to a download. Some spyware even re-installs itself with every re-boot. Summary: Users can arm themselves against this cyber-predator by taking precautionary measures. Users are under the misconception they are protected by anti-virus utilities. Anti-viral products only remove spyware if they are expressly configured to do so. Some solutions sweep away virtual footprints; some actually extricate offending programs. Users must take the time to comprehend their browser s security settings. Settings must be high enough to protect systems from automatic installations, which constitute a fundamental invasion of privacy. However, what is the expectation of privacy in cyberspace? The Federal Trade Commission (FTC) is asking this and many similar questions in court, and has just passed anti-spyware legislation. Meanwhile, users should only install software from a trusted source, or download for free at their own risk. About Jonathan Coupal: Jonathan Coupal is the Vice President and Chief Technology Officer of ITX Corp. Mr. Coupal manages both the day-to-day and strategic operations of the Technology Integration Practice Group. Among Mr. Coupal’s greatest strengths are evaluating customers’ unique problems, developing innovative, cost effective solutions and providing a “best practice” implementation methodology. Mr. Coupal’s extensive knowledge and experience enables him to fully analyze client systems to recommend the most effective technologies and solutions that will both optimize their business processes and fulfill immediate and future goals. Mr. Coupal and his team build a high level of trust with clients, establishing ITX as their IT partner of choice. Mr. Coupal holds certifications with Microsoft and CompTia, including MCSE, MCSA, Security , Linux and i-Net , and served as a Subject Matter Expert (SME) for the development of the CompTia Linux . About ITX: ITX Corp is a business consulting and technology solutions firm focused in eight practice areas including Business Performance, Internet Marketing, IT Staffing, IT Solution Strategies, IT Solutions Implementation, Technical Services, Internet Services, and Technology Research. To learn more about what ITX can do for you visit our website at itx.net or contact us at (800) 600-7785.

Screenplay and Script Writing Software

When it comes to screenplay software each screenwriter needs to determine what they need from the program they purchase and pick one that fits their specific needs. Screenwriting software doesn t write the screenplay for you. Why do I say this? I don t want you to be under the impression one software application is better or the best script writing software. No script writing software should be chosen based on it helping you complete your screenplay better or faster than another. What makes a screenplay better is the skill and execution of the writer. What determines how fast a screenplay is completed is how fast the writer is with their skill and execution. Thinking particular screenplay software helps you write a better screenplay is like thinking a fancy gun helps you shoot on target. You are the writer and you are the creative force behind your idea or concept. Picking the proper tools to help you complete this idea or concept are choices only you can determine based on your particular writing needs. For me, the program I utilize is Final Draft. Why? For my needs Final Draft acts like a word processing program on steroids. Its user face is similar to Microsoft Word with the only difference being it is specific to industry standard screenplay format. In other words, unlike writing a screenplay in a word processing program like MS Word, Once you put a character s name in the first time you don t have to type it again. What happens is when it gets to the section of the screenplay where you type in the character it will either punch it in for you once you type the first letter or a pop up pull down menu will come up so you can pick from the list of characters you ve introduced if two characters have the same first initial! For sections where you would input setting, action and dialogue the program automatically tabs to the proper position just allowing you to just write your screenplay. This is all I need from screen writing software. I don t utilize all of the tools of Final Draft that exist, but they have some cool ones like the double dialogue feature and the notes feature that act like index cards amongst other things. Final Draft Movie Magic Screenwriter Dramatica Pro 4 Power Structure Dr. Format Screenwriting Software Write Brothers StoryView 2.0 The Hollywood Screenplay® Screenwriting Software Suite Hollywood Screenwriter Sophocles Screenwriting software and Scriptware provide something for every writer. Each of these screenplay writing software programs is a powerful, stand-alone tool. It is up to you to decide which is more comfortable for you and which fits your writing needs, but remember...all these programs can be are tools to help you complete your screenplay. They do not create characters or ideas or give logic to your story. Only you, the screenwriter, can do this. So read the reviews from users who have tried these programs and see which one works best for you. Mr. Mark S. Gonney is a former script reader for The Urbanworld Film Festival and an article writer for screenwriting-resources.com . Screenwriting, Screenplay, and Movie Script Resources for Writers: The online resource directory geared towards helping writers overcome the peaks and valleys of the creative process and complete their final draft! screenwriting-resources.com

The Importance of Home Security Systems

The safety and protection of our family has always been our number one priority. Our peace of mind rests on the assurance that our homes are well protected from intruders, robbers, and criminals. However, in these modern times where there are numerous conflicts among the different social classes and cultural or ethnic groups, crime has increased to alarming proportions. Everyday we hear news about homicides, robberies, and terrorism. These occurrences push us to seek for ways to add protection to our properties and loved ones. We adapt safeguards such as extra door locks and keep guard dogs in our yards. However, experienced robbers have thought of various methods to break through these defenses. Several studies conducted also show that most robberies occur at night when the family is inside the house, sleeping and very defenseless. Technology provides a modern and more reliable way of protecting our homes with home security systems. Home security systems are different devices that detect the presence of intruders in our homes, monitor changes in our indoor environment, and alarm neighbors to help us in case of emergencies. With home security systems, we feel we have a guard that looks over our houses twenty four hours a day, 7 days a week. We feel protected while we are sleeping at night and we can leave for vacation without worrying much about the properties we leave behind. A house equipped with a solid home security system wards off even the most experienced robbers. Home security systems are linked to a local monitoring station. When the sensors are triggered, the home security system transmits signals to the local monitoring station. Family members are contacted immediately by phone to verify if the house has been intruded. No response to these calls prompts the security personnel to alert the police. Home security systems are also locked by a password and in case a wrong password is given, the police are alerted as well. Home security systems can be ordered and purchased online. These products are not as expensive as you think. You will get your money’s worth because of their functionality and the security they provide. Once an order has been placed, a team from the company will deliver and install the home security system in your house. Sensors are strategically placed on the doors and windows of the house to monitor motion. Home security systems are controlled with a keypad. You can personalize the settings of your home security system and a secret code is set to arm or disarm the alarm. The home security system is very reliable, modern and cost-effective way of guarding your house and family. It is not enough to work hard and meet our family’s daily needs. We should exert more effort in keeping them safe and protected since life can never be bought and can never be replaced. Rob Hargreaves - An American Locksmith

What Hackers Know About Your Network - That You Don t!

What Hackers Know About Your Network - That You Don t! Whether you call them hackers, crackers or cyber criminals doesn’t matter. What does matter is whatever you call them â€" they’re looking for a way into your network! You may not realize it but hackers are scanning your Internet connection looking for an opening. What will they do if they find one? They’ll launch an attack against that opening to see if they can exploit a vulnerability that will allow them to remotely execute some commands thereby giving them access to your network. But it all starts with scanning your network. Automated Tools Are a Wonderful Thing Cyber criminals don’t scan each individual network on the Internet one by one. They have automated tools that randomly scan every IP address on the Internet. Hackers aren’t lazy people â€" just very efficient. And very intelligent. The tools they use can be preloaded with a range of Internet addresses to scan. As this tool finds an Internet address with certain openings it produces a list of the address and the opening. This list is then fed into another tool that actively tries to exploit that opening with various programs. If no exploit works, the hacker’s program moves on to the next potential victim. When you see the scanning activity in your firewall logs, you’ll know where you’re being scanned from and what they’re trying to target. Armed with that data you should check to see if you’re running software that uses that port and if it has any newly discovered openings. If you are using software listening on that scanned port and there is a patch available, you should have that patch applied immediately â€" because the hackers may know something you don’t. NOTE: It’s been our experience that many businesses patch their Microsoft Windows software but rarely do they check for patches for all the other software used in the business. As stated, you’ll see this activity in your firewall logs â€" that is, if someone is actually reviewing your firewall logs. Oh, my firewall has logs? However, when most business owners are asked about their firewall logs, the typical response is usually something like, “Oh, my firewall has logs?” Yes, all firewalls produce log files. Most of them only show what’s been blocked, which is like showing pictures of all the thieves that are in prison, while the bank down the street is being robbed. Wouldn’t you want to see all traffic? This produces more work, but if your firewall only logs activity it knows about, you’re security is totally dependent on the ability of your firewall and the way it’s configured. Many firewall companies want to reduce their number of tech support calls. Their business model revolves around having tech support available, but in the process they’re also seeking ways of reducing the number of times people call in. This isn’t necessarily a bad thing, but when their products have fewer features, thus fewer benefits as a result â€" that is a bad thing. Most firewalls designed for the small business market lack features that most small businesses would benefit from. Many of them have all the technical buzzwords like “deep packet inspection”, “spyware prevention”, “intrusion detection” and many others, however they don’t go into the level of detail needed to be effective. First, many firewalls that are “designed” for small businesses start with companies that have 100 â€" 250 users. These might be considered small businesses by the Bureau of Labor Statistics, but for technology purposes companies of this size have their own IT staff (96% do). Not just one IT person, but an IT staff which means that someone is probably responsible for security. If not, they’ll have someone train them in the proper setup, installation and monitoring of security appliances. The businesses we consider small have anywhere from 3 â€" 50 PCs. The companies at the higher end of this scale might have someone dedicated to handling IT issues. But this person is usually so inundated with PC support issues that they have little time “left over” to effectively monitor firewall logs. Toward the lower end of this scale, they usually have either an outside person or firm responsible or they have an employee who “is pretty good with computers” who has other responsibilities as well. Rarely will these small businesses have someone watching the firewall logs on a consistent basis. Someone might look them over if there’s an issue, but these logs rotate when filled so the valuable information might be lost before it’s ever reviewed. And that’s a shame. Without reviewing the logs you have no idea what or who is trying to get in with which or what. An Example Log File Let’s review some logs. This happens to be a log from a client. The columns are labeled accordingly. This report has been cleaned up to make it easier to explain and understand. Date Time Source IP Source Port Destination IP Destination Port 06/18/2007 12:04:03.416 218.10.111.119 12200 55.66.777.1 6588 06/18/2007 12:16:05.192 41.248.25.147 4925 55.66.777.1 5900 06/18/2007 13:08:02.256 218.10.111.119 12200 55.66.777.1 6588 06/18/2007 13:22:10.224 58.180.199.163 4637 55.66.777.1 2967 What is this showing? Well the first source IP (Internet) address is from Heilongjiang, a province in China. The destination is our client (mangled to protect the innocent) but the important data is the destination port. That identifies what they’re looking for. Port 6588 can be a few different things. They could be scanning for a Trojan that uses that port. If their scan responds with the typical response of the remote access Trojan, they know they’ve found an infected system. Port 6588 can also be a proxy server (which we won’t describe here) with a recent bug. This bug makes it easy for a hacker to exploit thereby giving them remote access to the system running the proxy server software. The hackers system will tell them what service is listening on port 6588 so they know what tools to use to attack that port. The second line in our log file above is from Africa. Port 5900 is VNC which is used by many, many system administrators to remotely connect to a system to perform maintenance on it. This software has had a few exploits and one just last year allowed the attacker to have remote control of the system with VNC installed without having to crack any passwords! Line 3 has our friend from China back trying again. Same port. They must be trying a few exploits against this port. Maybe they know something that the general security community isn’t aware of yet. On line 4 in our logs we see a new IP address in the source. This one is from Korea but notice it’s scanning port 2967. This happens to be the port that Symantec’s Anti-virus software listens on for new updates. There is a known exploit which allows remote attackers to execute arbitrary code via unknown attack vectors. When hackers find this port they know exactly what exploit to try. In other words, the security software that is designed to protect systems is actually a way in for hackers due to a software bug. It could be that there is a new “hole” in Symantec’s software that hackers know about but Symantec doesn’t. The previous hole was patched so either the hackers are looking for yet unpatched Symantec software or they know of a new hole and are looking for ways to infect them. Without reviewing your logs you have no idea what is trying to get into your network. Without a properly configured firewall, this type of attack would surely get through. This happens to be a firewall we configured so we know of ports like this and we blocked outside access because this client does not use Symantec products. When talking security with a business owner I always ask, “When was the last time your network was scanned for openings?” They usually respond with, “Never”. To which I reply, “Oh you’re wrong there. You’ve been scanned, you just don’t know by who!” Regular scans of your network show you what the hackers are seeing of your network. It’s a simple process and should be performed at least once a month. The results should be presented to you in a very readable, understandable report. What to Do Next The first thing you should do is check your firewall to make sure it’s logging all activity. Then, your job is to start reviewing the logs either everyday or at a bare minimum, once a week. Some routers have the firewall “built-in”. I’ve often found these are very limited in their ability to protect. Even more limiting is their logging functionality. Typically these devices will only show what’s blocked. Often these router/firewalls have the option to have the logs emailed to someone when they’re filled up with entries. This is a nice option as you can have them directed to someone who will (should) review them in detail and notify you of any entries to be concerned with. If your firewall doesn’t provide the level of detail described in this article, you should seriously consider upgrading. You can keep your existing router just turn off the firewall feature and buy a dedicated firewall. Then you’ll know what the hackers know about your network. Thomas J. Raef is founder of e-Based Security, LLC a company dedicated to protecting businesses with 3 to 50 PCs from cyber criminals. He has over 25 years of experience in providing computer solutions for businesses. The last 12 years have focused on security issues and how to detect and prevent them from affecting small businesses. e-Based Security has developed a security device and associated service that is remotely managed, monitored and modified.

Anti Virus Protection - How To Detect and Stop E-Mail Viruses From Spreading

Computer virus is a program that can replicate itself in your computer system and use a lot of system memory. This can cause your system to crashes. Other than that, it can also delete the system files, use your email to send spam and reformatting your hard disk. Therefore, it is important to have a protection against this type of threat. When your system is infected by viruses, it will use your email client to send messages to all of your email contacts. The emails will contain virus in the attachment and this will make it to spread faster. There are several ways how you can detect and stop it from spreading via email. First of all, you need to create a new contact and type !00 as the name and virus/worm alert as the email address. The !00 name will be on top of your contact list because it starts with the exclamation mark. This way, every time it tries to send emails to all of your contacts, it will send it to the first contact name on your contact list and that is the !00 name. The email will bounce back because the email address does not exist and you ll be notified. This will act as an alert system for email viruses and you can scan your system for it. Another way how you can prevent your system from getting infected by this type of threat is by not opening any unknown emails that you have received. If you don t know the email sender or where the email comes from, delete it completely without opening it. A good anti-virus protection will have an email scanner and it will scan every email that you receive to make sure that you re protected. One of the anti-viruses that has email scanner is Avast! Antivirus. Want to know the secret of securing your PC from dangerous spyware, adware, and malware programs that can ruin your PC, your finances, and your sanity?!! Visit chuangcomputer.com/pcsafety/ for more info.

When Will You Need It?

When Will You Need It? There are many factors leading to data loss, the most popular and regular factor, which leads to important loss of data, is human error. Unfortunately, this is unavoidable. Human error, being the most common case of data loss, happens very regularly to businesses and individuals in their private lives. In most cases the data loss is not vitally important, however it does happen from time to time that when someone accidentally deletes a file, or formats a memory device, that the information lost is either financially important to a business or irreplaceable persona files and information such as photos. When the lost data is highly important to you as an individual, or important to your business, this is when you will need and should consider using the services of a Data Recovery company. Data Recovery companies are experienced and skilled in retrieving lost data. For those who have lost some vital information and do not know how to get it back, call in the professionals to asses your data loss situation. Data recovery companies have a high data recovery success rate, often ensuring data recovery in the most dire of situations. The best advice any data recovery company will offer is for the user to stop trying to retrieve the lost data themselves, as this can often override and overwrite any retrievable file. We recommend that you try to prevent any data loss disaster by identifying the main data loss factors: Manage your files properly â€" this will help avoid any accidental deletion. By choosing an appropriate place to store your files, you will ensure fast and efficient retrieval. Always back-up your important files onto a CD or DVD. These backed up files can be useful to remove some heavy files off your system â€" such as a digital camera memory stick, or the hard drive of your computer. Buy good technical equipment â€" this means that when you go out and buy a computer, computer parts, camera, CD’s or DVD’s and related devices you can be assured that your hardware and software is in good working order; often these will come with a guarantee or warranty. This can also affect file corruption issues, which means that if you know your equipment is of the best standard possible, there is less likely going to be file damage and corruption issues. Ensure your system has valid and up-to-date virus protection. Viruses are easy to pick-up off the internet, so it is important for you to ensure viruses do not corrupt your system, often making your computer slower and eventually causing irreparable damage. Many other influencing factors could lead to data loss; however, the points raised above cover the most common data loss factors. We recommend that you protect yourself and your business against data loss issues by regularly performing a backup of your important documents and files. This means that you will always have a copy of these, when data loss happens to you. Phil Smulian writes for data recovery experts who will supply professional disc recovery , Data Detect South Africa.

Foxfire - Do You Know That This Browser Protects Your PC From Phishing

Whenever you are surfing the internet and you come across a site that asks you for your credit card details, do you check to see if the site is genuine? Do you make sure that the site actually belongs to the company you are dealing with? Or is it just some college kid who has bought a similar domain name. Termed as Phishing, today there are numerous methods that cyber criminals employ to obtain credit card details and other sensitive information online. Cyber criminals usually use emails and instant messaging to Phish for information. Lets take an example, say a customer has a bank account with xyz bank, usually all the literature the bank sends out clearly mentions which site to log on to and which site to access for net banking and other online transactions, so lets say the bank s authorized site is xyz.com, now what cyber criminals do is buy a domain name similar to xyz.com, something like xyzbank.com, as far as a user is concerned need not worry when entering his details on the website of xyzbank.com, as it is his bank’s website right? Wrong! Before you carry out any banking transaction or net banking activity online, don t just guess or assume the website of your bank, make sure you visit the website that is mentioned in the literature the bank provided, in fact even if you have been dealing with a website so far, double check to see that the site is the authentic site of your bank. Another popular way of obtaining credit card information and other sensitive information like net banking passwords is to send a customer an email that looks just like an email from the bank. By using software called anonymous mailers a cyber criminal can send an email from any computer and imitate the same email that your bank uses. This in essence is called Phishing, a term I had used earlier in the article. Things to remember when you receive any email that asks for your credit card information or net banking details are: a) A majority of the banks do not ask for any sensitive information online, in fact they usually mention clearly in all their literature that they will never send out a mail asking you for your net banking, or credit card details. b) If you feel that an email is genuine and has been sent by your bank, make sure you call the bank and verify that they have sent you the email, you will be surprised by how genuine some Phishing emails look. The internet has made is simpler for people to make purchases online, and to carry out financial transactions like bill payments and other funds transfers. However by being aware of the various ways in which you can get scammed, you are protecting yourself from any future complications that might arise. Remember when in doubt make sure you check the authenticity of the site you are dealing with, or better still just call your bank if you are not sure that the email you are looking at was sent by them. Andres Berger manages safecomputer.org a website dedicated to help people stay secure on the Internet. Find how to be protected going to: Foxfire free resource.

Your PC Could Be A Spy

You might have a spy in your home, and it s not James Bond. Heck, it s not even human! Your computer might be collecting your personal information and passing it on to companies and people anywhere in the world. That s because there might be spyware on your computer without you even knowing it. Spyware is software designed to collect information about you for a variety of purposes, including advertising, credit card fraud, and identity theft. The information is gathered in a number of ways, such as by recording the keys that you type, recording your Web browsing history, and even scanning documents you have saved on your hard drive. Although collecting your information for advertising is generally just annoying, it can be harmful to your computer since it uses up resources. When your computer is infected with spyware, you might notice a significant slowing in performance and your computer will just generally react sluggishly to your commands. And, if too much spyware builds up, your computer might crash or fail to start up. Spyware used to collect your financial information is a much more serious problem. Some types of spyware attempt to record your password as you log into certain websites, such as your bank s site or your credit card company s site. Or, they might try to capture your credit card number as you enter it during an online shopping checkout. Spyware doesn t spread like a virus or a worm; your infected computer won t try to spread its disease to others. Spyware gets into your system by tricking you or by working its way through some of the less secure spots on your computer. In most cases, you ll never see it happening. A lot of spyware is transmitted as a Trojan horse, where it masquerades as something useful-sometimes even as security software! Spyware sometimes comes bundled with software that you can download from the Internet, such as certain shareware programs. When you download the program you want, the unwanted spyware is downloaded as well. Still other spyware targets holes in your Web browser or in software on your computer. This happens when you visit a website containing spyware code that attacks your browser and installs the spyware. This is often referred to as a drive-by download. Unfortunately, once one spyware program gets in, your computer becomes more vulnerable to additional spyware. Many users assume the significant decrease in efficiency is a hardware program, and might go so far as to purchase a new computer. When a computer is extremely infected, you might actually have to back up your files and perform a clean reinstallation of all the software on your computer. This is a time-consuming process and requires you to set up your computer preferences as though you were setting up your computer for the first time. The best thing you can do to protect yourself from spyware is to purchase an anti-spyware program. These programs work to fight spyware by preventing its installation and by detecting and disabling existing spyware. Some spyware programs don t perform both of these functions. If you purchase a program that detects and disables existing spyware, be sure to schedule it to run on a regular basis. When you run a program of this type, it will scan your Windows registry, operating system files, and all installed programs. You ll then see a list of potential threats from which you can decide which to delete and which to keep. The bad news is that some fake anti-spyware programs have appeared on the market. In addition, you might see ads on your computer that appear to be pop-ups generated by your computer system indicating you have a spyware infection. When you click on these pop-ups, you ll be directed to a site that instructs you to buy certain programs. To avoid being taken in by these malicious programmers, do your homework. Only buy an anti-spyware program from a reputable dealer. Before buying, do some research into the program and look for customer reviews. Although spyware is extremely common on the Internet, you can keep those spies out of your computer and your home. My name is James Angell. While surfing the internet I found XoftSpySE which did an excellent job cleaning up and optimizing my PC. This program saved me a lot of time and frustration by getting rid of some high risk items that found their way into my computer. Get a free scan at easywayincome.com

How To Delete Spyware In 4 Effective Steps

Spyware is a problem affecting millions of computers around the world, but the scariest part is - most people don t even know their computers are infected. If you own a computer and you use the Internet (and don t all computer owners surf the Net?) you must know how to handle spyware. Fortunately, this seemingly daunting task can be accomplished in 4 not-so-tough steps. First Of All, Just What Is Spyware? First there were computer viruses and now there is spyware. What s the difference? And to make matters worse, over the years the line has blurred. To keep things simple, it can be said that viruses cause downtime on computer systems while spyware surreptitiously gathers information. And if it gathers info, sooner or later it ll send that data to someone - who has sinister plans for it. Depending on the kind of spyware infecting your system, you may just see a bunch of porno ads popping up now and then or you may have all the funds removed from your bank account. So...spyware must go. The 4 Steps to Delete Spyware from Your Computer Choose a good spyware scanner. Perform a full scan of your computer. Remove any spyware found. Scan again and call in professional help if needed. You Need an Effective Anti-Spyware Application First, you need good spyware detection software, more simply called a spyware scanner. There are a few ways to find one: Ask friends and family. See what anti-spyware apps they re using...if they re using anything. Check online forums. A good idea. You ll always find a few suggestions in forums. Go to Download.com or Tucows.com. They have excellent software available for download. Anything rated 5 stars on Download.com or 5 cows on Tucows (Tucows doesn t use stars, they use cows, of course) is exceptional software that you should seriously consider acquiring. I personally won t have anything to do with spyware scanners unless they have good reviews on at least one of those sites. Whatever software you choose, make sure you get the kind that does not just check file names. You need spyware detection software that will actually drill into the code of the file itself to see if it s really spyware or not. Spyware makes great use of stealth tactics to hide. Your Computer Must be Fully Scanned Most scanners provide you with the option of doing a quick scan of your computer - this will not suffice. Your entire computer needs to be scanned for spyware. Select the FULL or COMPLETE scan option and begin scanning your computer. Then sit back and wait. This could take a while. Anywhere from 10 minutes to 3 hours. It all depends on the spyware detection software, the speed of your computer and how many files you have. Delete Spyware Once it has been Detected Once your spyware scanner has found spyware, it usually quarantines it and then leaves the rest up to you. You can then delete it from quarantine or (depending on the software) you can have it deleted automatically. It s a good idea to automatically quarantine any suspected spyware. Then you can take a look at it and verify for yourself if it s spyware or not - just in case the software tagged a file that s not dirty. Then feel free to delete it. Scan again and Get Help if Needed This part could get tricky. Reboot your computer and perform one more full scan and see what comes up. I hate to tell you this, but spyware is very persistent and has ways of regenerating itself. I ve deleted spyware only to have it return after a reboot. If a spyware program has returned, but it s in the restore directory - don t panic. Your spyware scanner s on its toes. It deleted the offender the first time and it ll delete the dirty file this time (spyware often tries to return through the restore directory). But if the malicious program is back in the same directory - then you have a problem. Your scanner failed to remove all traces of it. The best thing to do is disconnect your computer from the Internet and look through the Yellow Pages under computer service or computer repair/cleaning. You need to get some knowledgeable help to get rid of that spyware, especially if it s high risk. Spyware infests millions of computers around the world and is responsible for untold losses in damaged property and loss of funds. It even enslaves computers to make them part of a zombie army to pump out spam. Don t be a victim. Turn the tables on spyware and banish it from your system with a few simple, but effective steps. 9 out of 10 computers are infected with spyware. Some computers even have to be replaced to get rid of this menace -- at great expense. But you don t have to be a victim. Find out how to remove 100% of the spyware infecting your computer and keep it off -- forever -- by following this link... killspywaredead.clicktek4u.com/delete-spyware/ Will Sharp is a free lance writer and full time researcher.

Get Rid of Browser Cookies

Web cookies are text files that are sent by your server to a web page and then sent back each time you visit that particular site. The term came from a well known idea in Unix computing called the “Magic Cookie.” They are used for tracking and browsing behavior. A good example is Amazon. If you place items in your shopping cart and turn the machine off without paying, the cookies will allow your items to stay in the cart until you return to shop again. Some myths that surround cookies are they generate pop ups, they are used for spamming, they are only used for advertising, they are like worms and viruses because they erase data from the hard drive, and they are like spy ware that can get at the personal information on the computer. They are always in the form of data, not a program code. They do allow for seeing the web pages viewed by a certain user. They are stored on your hard drive as name-value pairs. You can set your browser settings to accept or not accept cookies on your computer. There are usually two lists involved. The white list contains acceptable sites. The black list is sites tht are not acceptable by the user. You can also reject cookies from certain sites, not allow cookies from a third party site, accept cookies that expire only when the browser closes, and you can view and delete individual cookies that shouldn t be there. Some browsers have a cookie manager so the user can delete cookies stored in the browser itself. You can also choose an option in your browser so it will inform you each time a website send name-value pairs to you. You can then accept or deny the pairs. Erasing cookies is as simple as erasing all of the temporary Internet files on your computer. You then lose all your cookie files. So when you go back to a much visited site, the site will act as though it has never seen you before and assign a new cookie to you again. People or family members who share a computer also get their share of problems from cookies. If I go to Amazon and purchase a book, my son can log in right behind me and use my account to purchase another book. If you are using a public computer, like at a library, anybody can come behind you and buy stuff with your credit card. Always make sure to check and see if stores have a warning posted about this on their site. Or say you have 2 different computers you use. One at work and one at home. You will have to set two different controls for each one. What you use on your home computer, you may not use at work and vice versa. It can be quite cumbersome to reset everything if the cookies become a problem. Cookies can be helpful for some and a pain for others. Know how to use them to your advantage. If you are interested in how to remove cookies , check Sam Miller web-site.

Badly Infected Computers - What is the Solution?

Badly Infected Computers - What is the Solution? Computer Some owners of badly infected computers resort to contacting technical support experts, or even buying a new computer because the existing system has become too slow . The cumulative effect, and the interactions between spyware components, cause the symptoms commonly reported by users: a computer which slows to a crawl, overwhelmed by the many parasitic processes running on it. As with computer viruses, researchers give names to spyware programs which may not be used by their creators. Law Unauthorized access to a computer is illegal under computer crime laws. Since the owners of computers infected with spyware generally claim that they never authorized the installation, Then this would suggest that the promulgation of spyware would count as a criminal act. Such laws make it illegal for anyone other than the owner or operator of a computer to install software that alters Web-browser settings, monitors keystrokes, or disables computer-security software. Beware, much of the programs present the user with an end-user license agreement which protects the creator from prosecution under computer contaminant laws. Detection Malicious websites attempt to install spyware on readers computers. To detect spyware, computer users have found several practices useful in addition to installing anti-spyware programs. Some users install a large hosts file which prevents the user s computer from connecting to known spyware related web addresses. Many normal computer users are however still unfamiliar with the term, and most never use it. Instead, virus is commonly used in the general media to describe all kinds of malware. It includes computer viruses, worms, trojan horses, spyware, dishonest adware, and other malicious and unwanted software. For instance, since 2003, the majority of widespread viruses and worms have been designed to take control of users computers for black-market exploitation. For a malicious program to accomplish its goals, it must be able to do so without being shut down, or deleted by the user or administrator of the computer it s running on. Crackers typically use backdoors to secure remote access to a computer, while attempting to remain hidden from casual inspection. Spyware programs are commercially produced for the purpose of gathering information about computer users, showing them pop-up ads, or altering web-browser behavior for the financial benefit of the spyware creator. The infected computers are used as proxies to send out spam messages. The advantage to spammers of using infected computers is that they are available in large supply and they provide protects to the spammer from prosecution. In order to coordinate the activity of many infected computers, attackers have used coordinating systems. Lastly, it is possible for a malware creator to profit by simply stealing from the person whose computer is infected. If you really want to take the work out of looking for that right Spyware Protection from a Spybot go to the Internet and get a Free Spybot Download or a Spybot Search and Destroy Download to prevent your vital information from being ripped from your computer.

Password Management For E-Life And E-Business

How many passwords do you need to remember everyday? In today electronic era, we all have many passwords to remember everyday. For examples, ATM, emails, internet banking, instant messenger, VOIP phone, blogging, etc etc. Do you find it a headache to remember so many passwords or to generate so many passwords for so many services? We will discuss in this article how you can manage the saving and generation of passwords. First of all, we must understand that passwords are important to ensure security of our personal account or particular in electronic world. You should not compromise your passwords for ease of remember. It is extremely important you use unique passwords for every individual service you have for best protection. However, what do we need to consider when creating a password? Rule 1: Make sure you use at least 8 characters long. The longer your passwords, the more secure the password is and it helps to prevent hacking into your personal services. Rule 2: Use alphanumeric characters if possible. Most of the passwords are case sensitive too, so, mix your passwords with upper and lower case character for better protection. Rule 3: Add some symbols into your passwords, for example, #, $, %, and, @ are all good characters to use. What are the precautions do you need to focus on? Do you ever use name, birthday, address of yourself or your spouses as passwords. Those are very easy predictable by hacker. The first few iterations a hacking program will try are your personal information. Use random characters in your passwords as much as you can. Of course, someone may ask, if you need an unique password for every individual service, there will be tens or hundreds of passwords to remember, how can you do it? There are many passwords management tool you can use out there. Some traditional ways is to write it onto some notebook and keep in a safe place. Or you can use your handphone, your PDA to store those passwords. Make sure that you have a master key to unlocks those passwords in your handphone and PDA as protection. There are some computer software you can purchase to help you manage all your passwords too. There are some free one you can find on the freeware or shareware websites. In summary, be careful and pay attention to your passwords. Create unique passwords are very important to offer yourself the maximum protection and keep these passwords in a safe place will double protect yourself. KP Yang is an online entrepreneur who is passionate about internet and blogging. Visit his website at kpebiz.com to learn all the simple tricks and widgets to make wordpress blogging more fun for yourself and more entertaining for your readers. To also find out about the secret of making money on your blog, visit kpebiz.com

Simple Steps to Prevent Credit Card Fraud

Many people are wary about using their credit cards, especially online, because of the possibility of becoming a victim of fraud. While fraud does happen, and costs hundreds of millions every year, there are some simple steps you can take to protect yourself and make it unlikely that you ll become a victim. - Online use The most important rule to follow is to only use your card online at trusted, secure sites. You can recognize a secure site by looking for a yellow padlock symbol appearing in your browser, and also by the address starting with https rather than http . Sites secured like this encrypt all the information sent back and forth to your browser, meaning that it s very dificult indeed for someone to spy out your credit card details. Also make sure you re confident of the identity of the site asking for your details. Avoid any sites that send you an email asking for your card details - they might not be who they claim to be. It s better to phone the company direct to make sure their request is genuine. You should never give out your card details in an email, as there is no encryption involved and there s always the danger that a fraudster could intercept your message and gain your details. Finally in this section, make sure that your virus protection is up to date and that your computer is clean of any spyware . - Offline use If at all possible, don t let the card out of your sight when paying, to reduce the opportunity for a fraudster to make a copy of your card. This is easier nowadays with the arrival of the handheld chip and pin input devices that are brought, for example, to your table in a restaurant. It s advisable not to send card details by fax, as you ve no control over how long the fax will be left unattended at the receiving end. A faxed copy of your card number, expiry date, security code and signature makes it altogether to easy for a scammer! Only give your credit card number over the telephone if it was you who made the call, and you re certain that you re speaking to a genuine person. If someone calls you claiming to be from a company you deal with, and asks for your details, ask for a phone number to call them back on - via a switchboard operator if possible - and verify that the number is correct. - General There are several other measures you can take to reduce the chances of becoming a victim of credit card fraud, and most them are pretty much common sense. You should sign any new or replacement cards as soon as you receive them, and cut up the expired cards making sure to cut through the magnetic band on the back. Never keep your pin numbers written down in your wallet or purse, as if you lose it or it s stolen a fraudster will have both your cards and their pins. Also, report any stolen or lost cards to the issuer immediately, so that they can be cancelled before falling into the wrong hands. Open your statements and bills as soon as you receive them, and check them carefully for anything you don t recognise. If you spot something you re unsure of, call your card company straight away and ask them for more details. After checking your statements, either file them away somewhere safe, or shred or burn them. Never simply throw them away - they contain far too much valuable information that can be used for fraud purposes. All this might seem like a lot of work, but remember that with most credit card accounts you won t be held liable for any fraudulent use so long as the fraud hasn t happened through your own negligence. Following the steps above is very powerful evidence to the card issuer that you ve done everything possible to protect your account s security, so if you re unfortunate to become a fraud victim then the financial damage to you will be kept as small as possible. Michael writes for Card Sense UK where you can compare credit cards and their features including balance transfers and rewards schemes . Visit today!

Cure Virus- 7 Things You Should Look For in Antivirus Software

I often see people choosing wrong or outdated antivirus softwares and worse, spending a good amount of money on them. You don t need to settle for ineffective antivirus programs, because you can easily buy effective antivirus softwares for the same price. In this article I will tell you about 7 things that you should look for when purchasing an anti virus software. 1. Does your anti virus software provide you with two levels of protection? Most antivirus softwares can detect viruses in real time as well as clean viruses from your PC when you run the scanner. See if the antivirus software you are going to buy offers such dual level of protection or not. 2. How effective is the software in cleaning up the infected files from your computer? Does your antivirus software effectively clean, quarantine or remove the infected files as well as the virus from your PC? This is an important consideration you should make while buying an antivirus program. 3. How easy it is to use the antivirus software? Let s face it, not all of us are IT graduates. Most of the PC users around the world are completely novice and barely know how to operate computers. If an antivirus program is complicated to use, it would not be much effective. I would recommend that you buy an antivirus program which is very easy to use and understand. 4. Do you get free updates with your purchase? Most antivirus programs provide you with at least one year of free upgrade with your purchase. Also, most good antivirus programs release frequent updates. Do not buy an antivirus program that doesn t offer you such facilities. 5. What type of support is provided to the end user by the software developer? Ideally you should buy antivirus software from a company which offers you fast and responsive software support. They should have at least a phone number, email address as well as a snail mail address through which you can contact them easily. 6. Does a help documentation comes with your anti virus program? Are they easy to understand? See, if you cannot understand the help instructions, you won t be able to make much use of the software. That is why it is imperative that the help documentation should be one which is easy to understand and free from technical jargon. 7. Check the system requirements that the antivirus program needs in order to run. Some antivirus programs require you to download and install additional softwares. Ideally you should choose one antivirus program which is easy to use and has minimal system requirements. Discover 4 Ways To Save Your PC From Deadly Viruses For more information on how to cure virus, visit us at: virus.besthelptips.com/cure-virus-2.php Article Directory

An Open Door To Your Home Wireless Internet Network Security?

An Open Door To Your Home Wireless Internet Network Security? This is not some new fangled techno-speak, it is a real tool to be used for the protection of your wireless internet network and LAN. African American SMBs have to realize that if your Internet connection is on 24/7 then your network, and it is a network that your computer is connected to, is at risk. Any business that uses the Internet to share or exchange information, news, or ideas with clients, vendors, partners, or other locations look in the reflection of your monitor and realize that your business is an unintentional (or intentional) target. You should already be aware of all the thousands of bugs, viruses, denial of service attacks and other unfriendly items that lurk on the internet and virtually try attacking every second. It s like having a screen door on your most valuable assets. Let s not repeat what you know about, let s look at a larger picture that should concern everyone - the unknown. There are attacks that go unreported for various reasons, these are the ones that the major software and hardware vendors have no clue about and can only warn you after an attack is reported. If your files, email, identity, client or product information are important to your African American business and you cannot afford a network being down for 24 hours. Then a firewall is what should be between the internet and everything else. You need to expect an intrusion if you have a small amount or no network protection. Hackers have tools that search the Internet 24/7 looking for a vulnerable point to destroy. Overzealous marketers use similar tools to harvest information to use for spamming and unfortunately no one currently calls that a crime that we know as identity theft. You have a deadbolt and a door lock on your front door and some even have a home security system in place. Why have a screen door latch on your home computer network, when you know there are people trying that door 24/7? If you want to put a digital rottweiler between your home wireless network and hackers, marketers and other cyber-vandals then evaluate a strong firewall for your African American business. Don t have the time or resources to get your home wireless network protected and need a African American Wireless Solution Provider partner to be there for you? We can help give you your freedom back...and a whole lot more. M.D.T.G. Daviyd Peterson: 12-year consultant, instructor, trainer of digital divide solutions for home and business. Helps African American and minority homeschools bridge the digital divide by becoming computer homeschools. Supporting homeschool moms and dads with resources to provide income for their homeschool... daviyd@bluebottle.com

Digital Rights Management - Software Piracy is Killing the Industry

What would you say if you were told that you were losing thousands upon thousands of dollars on a piece of software that you have created and are trying to make a profit off of? Well, it is the truth. Software piracy is a problem that has brought the software industry to a near standstill, costing the industry billions of dollars each and every year in lost revenue, not to mention thousands upon thousands of software and IT jobs in the United States. Something must be done about the issue of software piracy but what? Copyright infringement is a faceless crime; the victim is often the hard working programmer but the assailant could be anybody; you could look them in the face and not know who they are. For this reason, it is important to protect your digital media as much as you possibly can because of all intellectual property is it at the most risk of infringement by others, and those who can take advantage of a weak security process or a hole in programming certainly will. The world is full of those who want to profit from something that they had no part in. It has been going on since the beginning of time and the only difference now is that technology has allowed people to take advantage of the work of others like never before, as well as giving them an even more efficient means of distributing and even profiting from the work of others. It seems you don t have to have a software programming degree or experience to make money selling computer programs or similar digital media; all you have to do is be the proud owner of a CD or DVD burner and maybe even a few good hacking skills. Good digital rights management techniques are necessary now more than ever before. Unfortunately it is another investment in its own but there are services out there that are making good digital rights management services more and more affordable, just to offset the enormous killing that software piracy is causing to the industry. If you have created a software program, take the necessary steps to prevent it form being copied or utilized by others to make a profit. A computer program or video game, picture or e-book is just as important as a painting or novel and it is just as wrong to sell and distribute one as the other. Without having appropriate digital rights management procedures in place you are leaving yourself open to an unnamed amount of money in profits. Do the right thing and protect your digital property somehow or another. Rod Beckwith is a software publisher that has created Lock It Now, which protects digital products from piracy. Rod’s company Anywidget LLC has been using this service with great success for over 2 years. For more information see: lockitnow.com

Website Security Rules of the Road

Becoming a victim of Internet fraud unfortunately is increasing in 2005 consumers spent more $65.1 billion. Everyday more and more people enjoy purchasing items online. The Internet National Fraud Centre Watch reported that the average loss to fraud victims for just the first six months of 2005 was $2,579. This is compared to the $895 average for all of 2004. Complaints relating to general merchandise purchases (goods never received or misrepresented) accounted for 30% of Internet fraud complaints, and auction purchases (goods never received or misrepresented) topped the list at 44%. There are many thousands of e-commerce websites which are reputable and have the necessary safety precautions in place, but it never hurts to always be on the look out, if you have decided to make an online purchase, just think about considering these easy steps: 1. Try and use only one credit card which has a very low credit limit attached to it, try not to use an ATM or debit card unless really necessary. 2. Be on your guard for unsolicited offers. The Internet National Fraud Information Centre Watch reported that email, as a method of contact by Internet fraudsters was up 22% in 2004. While the offer may be legitimate, fraudsters like to use this tactic to get round creditable sites that provide consumer protection for online purchases. 3. Use only legitimate e-commerce websites that give you there full address and even telephone number. 4. Check out the sites privacy policy. Some websites may reserve the right to sell/give your information to a third party. Check the document to see if you can “opt-out” of receiving special offers from third-party vendors or for permission to share any of your personal information. 5. Always make sure the website has a lock sign in the bottom right of your browser, don’t give personal information out if the website does not start with https this is always a good sign to show that they are using a secure server 6. There are many third party sites like the Better Business Bureau or Verisign that help protect you when making a purchase, make sure the site is using these or something similar. 7. Always make sure the delivery times stated are reasonable around 7-10 days is a good average to work from. 8. Print out all necessary paperwork of the transaction you make and keep it somewhere safe. 9. Remember the old adage that if something sounds to good to be true, then it probably is, there are many get rich quick schemes out there that are just plain scams and full of false advertising 10. If your item never turns up and you get nowhere when trying to contact them by e-mail or phone contact your state’s Department of Consumer Affairs for further help in the matter. adaware.hampsonbiz.com This article is shareware. Give this article away for free on your site, or include it as part of any paid package as long as the entire article is left intact including a live link. Copyright © 2006 Mitchell Hampson

Data Theft and Data Leakage

Another growing problem is data theft and data leakage. The latest security threat report released by Symantec Corporation reveals that the current Internet threat environment is characterized by an increase in data theft, data leakage, and the creation of targeted, malicious code for the purpose of stealing confidential information. According to that report, more than 6 million computers were bot-infected worldwide during the second half of 2006. This number represented 29% increase in infections compared to the previous period. A bot-infected computer is a PC that was compromised and now has a malicious code installed. The installed code might be an AdWare or SpyWare, or even programs used to execute denial of service attacks at online companies. All the information stored on the infected computers is available to hackers. Hackers collect credit card information, bank personal identification numbers, passwords, confidential correspondence, and email lists and sell it to the interested parties using the underground economy servers. Symantec reports that the threats to confidential information are on the rise. Symantec tracked the trade of stolen information and captured the data that was sold on underground economy servers. For example, during the last six months of 2006, the U.S.-based credit cards with a card verification number were available for around 1 to 6 dollars while a person s identity which includes an address, bank account, credit card, date of birth, and a government issued identification number, was available for around 14 dollars. Confidential data often gets into the wrong hands as a result of a data breach. Symantec suggested that most data breaches resulted from hacker activities, theft or loss of computers, and failures of security policies. It is very important to cleat your computer from AdWare and SpyWare. A number of most popular AdWare and SpyWare removal programs are offered at ProvenToWork.com

Your

Dear -fish this- member, It has come to our attention that your account information needs to be updated. Please send us your social security number, your checking account number, a pint of Jack Daniels, and a large paper bag filled with twenty dollar bills. We are only doing this for your protection, and even though we have no intention of stealing your identity,because we have a hard enough time dealing with our own identitys we have now, we sure could use some extra spending money for our upcoming phish.... errrr.... FISHING excursions! We know it would be nicer if we actually worked as hard to make an honest living, as we do to bilk.. errr help protect your account information, but what fun would that be? We promise not to have have account information problems in the future, because we are the Gods of account information problems and can control these sort of things. Besides, we won t be able to monitor your account anymore, because we will be assisting Mr. Humongatus Batutti from Niger, who has been unable to find anyone lately that will help him out of the grave financial disaster his Pay Pal account has gotten him into. If you don t update your account information you may not be able to read worthless drivel in the future, your bumper will fall off of your car,and fleas will infest your armpits.AND...we will put a heebie jeebie hex on you that only a safe harbor ebay email can clear up. O.K.- O.K.-- we will only suspend your account! That way we can send you another phony.... errrr.... follow up e-mail to protect your account. We will only temporarily spend the $20.00 bills you send us and will re-deposit two hundred bags of twenty dollar bills and some Papa John coupons into your bank account by---oh---let s say Thursday. Please don t respond to this email- or blog letter for that matter- because we will be busy bouncing all over the internet phishing.... err bilking errr... updating other account info --and why would you want to have any dialogue about your terminated account anyway!!?? AND if you send us info now, we will send you a cheap knockoff Rolex that will impress some other phony, and also toss in a set of Ginsu carving knives!! click here to update your account records. The account dude at -fish this- P.S. If none of this interests you, we have some hot stock market tips we will be glad to sell you... user agreement blah blah,ebay,paypal,nigerian humonatus,Rolex, viagra,etrade, official looking mumbo jumbo, brought to you by the makers of pesty cola... ...Hard to believe- but every day people are still falling for those phony spams and e-mails that circulate the internet.A day is coming when the bilkers won t be able to hide anymore and we will be able to track the phony solicitations down. In the meantime--be careful out there on the information highway, and if you really want to part with your hard earned money I know this Prince in Pottsylvania who is having some trouble with his finances, and if you could just help him out..... A.J. Klott is the author of the Fish wRap-a humorous book on fishing and the people and events that surround the fishing world. You can visit his site at twoguyswithflys.com