How to Shop for a Credit Card

Written by David Medlock


With so many credit card offers available to nearly anyone who wants one, it can be difficult to find a reasonable offer that fits your personal needs. Here are some things to look for when shopping for cards:

•Interest Rate: This is one ofrepparttar most obvious, yet important, things to look for when shopping for a card. Interest rates can often be as high as 24% and sometimes as low as 0% for introductory rates. Make sure that you know whatrepparttar 112025 rate is before signing up. Also, if it is an introductory rate, find out how long that rate lasts and what it will go up to afterrepparttar 112026 introductory period is over. •Annual Fees: You can often obtain a credit card without having to pay an annual maintenance or membership fee. If you can find a deal that allows you to avoid annual fees, it is highly recommended that you do so. •Rewards: One ofrepparttar 112027 most requested features for credit cards is to receive rewards for usingrepparttar 112028 card. If a credit card company is willing to offer you a cash-back incentive, free gasoline rebates or frequent flier miles, it may be worth looking into. Some creditors have even begun offering mortgage rebates, where they will pay a certain amount of principle on your mortgage if you use their card.

How to Know if You are Vulnerable to Hacker Attacks

Written by Dee Scrip


You are inrepparttar crosshairs as a primary target of computer hackers if you own a computer or operate on un-secure VoIP (computer phone) services.

John Ashcroft, Attorney General, in remarks atrepparttar 112024 High Technology Crime Investigation Association 2004 International Training Conference held on September 13, 2004 stated, “We have seen worms and viruses attack…disrupting basic services…And withrepparttar 112025 increased use ofrepparttar 112026 Internet and especially peer-to-peer networking, we have seen malicious code spread more quickly and infect more personal computers than ever before. The cost of these worms, viruses, and denial-of-service attacks…reaches intorepparttar 112027 billions of dollars.”

In an article written by Daniel A. Morris, Assistant US Attorney, Computer and Telecommunications Coordinator withrepparttar 112028 District of Nebraska stated in “Tracking a Computer Hacker”, thatrepparttar 112029 “The modern thief can steal more with a computer than with a gun. Tomorrow’s terrorist may be able to do more damage with a keyboard than with a bomb.”

Ralph Echemendia, head of Intense School which trains executives regarding network security risks, stated that “Telecom providers are one ofrepparttar 112030 main targets for malicious attackers because they control communications for everybody.”

Sophisticated hackers have learned how to tap into sensitive information traveling onrepparttar 112031 Internet, and their focal point is communication.

How is this possible?

It is fairly simple. First, you should be aware that email services operate off of email servers, and web services operate off of web servers. Both email servers and web servers are built for data and not for voice.

Because VoIP has voice, it requires a system that will convertrepparttar 112032 voice into data packets to travel acrossrepparttar 112033 Internet, and then convert back to voice at destination. However, VoIP should not be considered just another application residing on a data network, as it necessitates a real time service due to performance expectations (e.g., quality of sound).

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