Article Geek

The invention of the Internet has brought about many changes in the way that we conduct our lives and our personal business. We can pay our bills online, shop online, bank online, and even date online!

We can even buy and sell stocks online. Traders love having the ability to look at their accounts whenever they want to, and brokers like having the ability to take orders over the Internet, as opposed to the telephone.

Most brokers and brokerage houses now offer online trading to their clients. Another great thing about trading online is that fees and commissions are often lower. While online trading is great, there are some drawbacks.

If you are new to investing, having the ability to actually speak with a broker can be quite beneficial. If you aren’t stock market savvy, online trading may be a dangerous thing for you. If this is the case, make sure that you learn as much as you can about trading stocks before you start trading online.

You should also be aware that you don’t have a computer with Internet access attached to you. You won’t always have the ability to get online to make a trade. You need to be sure that you can call and speak with a broker if this is the case, using the online broker. This is true whether you are an advanced trader or a beginner.

It is also a good idea to go with an online brokerage company that has been around for a while. You won’t find one that has been in business for fifty years of course, but you can find a company that has been in business that long and now offers online trading.

Again, online trading is a beautiful thing – but it isn’t for everyone. Think carefully before you decide to do your trading online, and make sure that you really know what you are doing!

Answer these questions truthfully:

1.) Does your spouse or partner complain that you spend too much money?

2.) Are you surprised each month when your credit card bill arrives at how much more you charged than you thought you had?

3.) Do you have more shoes and clothes in your closet than you could ever possibly wear?

4.) Do you own every new gadget before it has time to collect dust on a retailer’s shelf?

5.) Do you buy things you didn’t know you wanted until you saw them on display in a store?

If you answered “yes” to any two of the above questions, you are an impulse spender and indulge yourself in retail therapy.

This is not a good thing. It will prevent you from saving for the important things like a house, a new car, a vacation or retirement. You must set some financial goals and resist spending money on items that really don’t matter in the long run.

Impulse spending will not only put a strain on your finances but your relationships, as well. To overcome the problem, the first thing to do is learn to separate your needs from your wants.

Advertisers blitz us hawking their products at us 24/7. The trick is to give yourself a cooling-off period before you buy anything that you have not planned for.

When you go shopping, make a list and take only enough cash to pay for what you have planned to buy. Leave your credit cards at home.

If you see something you think you really need, give yourself two weeks to decide if it is really something you need or something you can easily do without. By following this simple solution, you will mend your financial fences and your relationships.

Malware. An odd sounding word created to lump all malicious software programs, including viruses, worms, trojans, spyware, adware, and other malevolent codes into one cause-your-computer-serious-hurt category.

In 2005, Computer Economics released a report on malware. The good news was that for the first time since 2002, the total worldwide financial losses from malware actually declined to a mere $14.2 billion. The bad news was that the nature of malware was changing from overt threats to more focused, covert attacks. This definitely is not great news for the average computer user just trying to keep up with the hundreds of malware programs that bombard us daily.

It

’s not an easy task keeping malware out of your computer system. In order to accomplish this, you need a strong antivirus program. One such program that can deliver the goods is ZoneAlarm Internet Security Suite 6 from Zone Labs. Zone Labs is one of the most trusted brands in Internet Security for good reason. Their product, simply put, kicks serious malware gluteus maximus.

I recently hit, by mistake, what I thought was an Explorer upgrade option.  It turned out to be a pop-up appearing legitimate but really was not. It uploaded a product called Intelligent Explorer on my machine.  What a nightmare!

I did some research on the web and found messages like this one from a BullGuard Antivirus Forum,

“PLEASE HELP!!!  I HAVE A SPYWARE, TROJAN AND HIJACKER ON MY COMPUTER.  I HAVE RUN BULLGUARD, CWSHREDDER AND AD-AWARE.  ALL HAVE PICKED UP THE VIRUSES AND SAID THAT THEY HAVE BEEN MOVED/REMOVED BUT WHEN I LOG ONTO THE INTERNET THAT DAMN INTELLIGENT EXPLORER TOOLBAR IS SHOWING”

Another message from spywareinfo Forum goes something like this:

“Hey I’m having issues with something called Internet explorer toolbar - Intelligent explorer. I can’t find a way to remove it from my comp and I really don’t want to reinstall windows. I’ve used spybot, ad-ware, and cw shredder but nothing seems to work.”

It appears that Intelligent Explorer allows other software to be downloaded to your machine and this is where the problem occurs. What is even more remarkable is that by downloading Intelligent Explorer, their license grants them the right to install software add-ins on your computer at their will.  Take a look at what the software license for Intelligent Explore says (go to http://www.ieplugin.com/terms.html to read it all):

“You grant to us the right, exercisable by us until you uninstall the Software or this agreement is otherwise terminated, to provide to you the Service of downloading and causing to be displayed advertising material on your computer, through ‘pop-up’ or other display while you use your browser.  You acknowledge and agree that installation of the Software may automatically modify toolbars and other settings of your browser.  By installing the Software you agree to such modifications.”

The company, IBC incorporated, is incorporated in Belize.  I really can’t believe this license!

One end user found highly objectionable pop-up advertisements generated by this software bundled with Intelligent Explorer in the form of extreme pornography.

I have yet to break this.

Intelligent Explorer is a plug-in, which can create a new home page, as well as start up and endless loop of pop-ups. You can remove the view bar, but then starting up Internet Explorer will cause it to reappear.  I asked some friends to help, and no one could tell me what to do.

This is what I did:

    I bought a copy of a program called XoftSpy and it removed the software. It took two scans and a reboot to do it. This is not an advertisement for this product.  They advertised it was free, which it was to run, but then I had to buy it to actually fix anything. It cost me $40 and I am sure that there are freeware products out there as well, but that is what ended the nightmare for me. Other spyware products I have seen out there include spybot, NoAdware, Spyware Eliminator, Pal Spyware Remover, and Spyware C.O.P.

    Let the buyer beware!

Spam.  Nobody likes it.  Nobody wants it.  No, we aren’t talking about the canned meat, but those unsolicited, unwanted, irrelevant, or even inappropriate messages that hit our email in mass quantities.  While most mailboxes have some type of spam filtering software built into their system, they never seem to do a very good job of catching what you want them to catch, and letting through what you want them to let through.  Therefore, it becomes increasingly important to turn to some type of additional spam filtering product.  One such filtering system, designed for Outlook and Outlook Express users, is receiving rave reviews for its superior detection and low rate of false positives (i.e,. what you want to get through does).

Cloudmark Desktop, formerly known as SpamNet and SafetyBar, uses a unique community-based filtering process.  This community-based filtering system relies on users to report any new spam.  Within minutes of a spammer being reported, they are placed on a blacklist.  At that point, no other member will receive that particular spam.  Cloudmark also applies the same basic process to phishing email scams. 

What is interesting is how Cloudmark creates a digital reputation model of reporting spam.  Each user starts with a neutral reputation. A user’s reputation will rise if they are among the first to identify undesirable content.  On the flip side of the coin, a user’s reputation falls when they falsely reports spam.  The result is a system that is automated, highly scalable and resistant to tampering.

An added bonus is that because the software doesn’t depend upon the user to configure its settings, it installs in minutes and is easy to use.  Cloudmark blocks over 98% of spam from reaching your inbox and boasts over one million users worldwide.

The cost of program is $39.95 for a one-year subscription.  The subscription is renewable annually.  For those wanting to test drive the product, a free 15-day trial period for either your Outlook or Outlook Express is available.