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Even Your Credit Cards Are Getting Microchipped
Dec 8th, 2014 by aperio

The government is promising to make your credit cards more secure. In fact they are going to require that every card have an embedded chip built-in by fall of 2015. The goal is provide better security than the old swiping method and hopefully avoid the problems of fraud caused by hackers at Target and other retailers. The old swipe machines will eventually be laid to rest. So sometime probably after October, 2015, retailers will be liable for fraudulent purchases as a result of using one of the older swiping devices. Every other economic power nation uses these chip cards, the U.S. is the last to come online. Why? Credit cards companies have fought this due to the pricier expense of card production. Payment terminals are also costly to upgrade causing retailers to turn the other cheek. The complexity of the entire U.S. credit card system is also an area of concern as the two main credit card players, Visa and Mastercard, are interfaced between retailers seeking easy transactions and banks seeking secure transactions. While adoption of chip cards has slogged along, fraud in the U.S. has risen. Those magnetic stripe cards, in use in the U.S. since the 1970s, are easy to clone. According to a report from BI Intelligence, The U.S. accounted for 51% of global payment fraud costs in 2013. The cost of U.S. payment card fraud grew by 29% in 2013, from $5.5 billion in 2012 to $7.1 billion last year. Experts claim the chipped cards will make it all safer. Three firms have combined for the most widely used chipped card called “EMV”, representing those that developed the technology Europay, Mastercard and Visa. EMV cards include a microchip that creates single-use codes for every transaction instead of relying on the card number, making the data useless if it’s stolen. Some experts believe these this technology could cut some form of credit card fraud in half. Citing a United Kingdom study, a research firm, Aite Group, said following chip card adoption, counterfeit card fraud dropped in the U.K. to $67 million in 2013 from a whopping $151 million in 2004. Fraud from lost and stolen cards also dropped by a third during the same period. So how are the chip cards used? One way is to require buyers to enter a passcode personal identification number or PIN after the chip has been read. This effectively protects them from both counterfeit cards and the use of lost and stolen cards. The other type of transaction reads the chip, but then asks for the signature. A little like what we have today without the magnetic stripe. It appears the chip and sign method is what the U.S. will use first. Walmart is first on-board, currently the only major retailer accepting chip cards in its stores. Square has announced they are launching new technology that will use the chip and sign methodology on mobile devices, a boost for retailers. Some however believe thieves will adjust to this quickly and fraud will occur at current levels. Until the PIN and chip method are fully in place, don’t expect to feel fully secure from credit card fraud. Experts believe it could take several years for this system to be put in place unless another major breach occurs and consumers start screaming for a major change. George Rosenthal is a founder and partner with ThrottleNet Inc.. ThrottleNet offers an array of technology services and products to help business owners achieve their corporate goals and accelerate business growth. These include cloud computing, custom software and mobile application development, and outsourced Managed Network Services which helps companies improve their technology uptime and IT capabilities while, at the same time, reduces costs.

 

Article Source: http://EzineArticles.com/8818285

 

Photo courtesy of: Jarmoluk

Get Microsoft Office for iPad and iPhone
Dec 5th, 2014 by aperio

Now you can create and work on all your favorite Microsoft programs right from the convenience of your Iphone or Ipad.  That’s right, you can download the new app for free and edit all of your favorite office files right on your Iphone.  What is even better is you can sync it with your SkyDrive so you can happily edit your documents on the go and have the changes constantly reflect.  The best part of all of this is you can use the editor for free and you don’t even need an Office 365 account.  This is a bold move by Microsoft and this puts them 2 steps ahead of their competition.

What To Do If  Your IT Network Has Been Hacked?
Oct 24th, 2014 by aperio

It’s another Monday morning at the office, you’ve just turned on your computer and logged in – all of a sudden you start to notice that your “Home Page” is changed, your computer is very slow and finally, the internet connection is extremely slow…. Your IT Network has just been Hacked!

 

Security in the workplace has been an issue for years yet something commonly thought of as “internal security” such as cameras and locked doors. Today the world has grown and evolved into a computer-driven technology, providing innovative e-criminals the opportunity to take advantage of this situation and they are benefiting from your lack of network security knowledge and use of older technology. Now more than ever, there are important types of security needs such as Firewalls, Network Lockdowns, Key Fobs, Passwords, and so on, that are needed to secure a company’s sensitive records, financial information, and their basic lifeline to keep them in business.

 

Some businesses don’t know what they’re exposing themselves to, but with an “opened port” on a firewall or router leading to their database or “hole” in the network, the world is able to look at your sensitive material without you even knowing until it’s too late.

 

Last month a new company signed on with Libra IT for simple “network support” because they felt their old IT provider was not giving them the patience they feel they deserved. When our engineer did a network audit we noticed that the tape backups have not been successful in over 2 months! With that alone, a red flag should have gone up. More problems were found… much more! Every port on the firewall was open allowing anyone into the server which nullified the purpose of the firewall entirely.

 

And to add misery to suffering… Half the staff knew the Administrator Password!!! (Simple passwords are not enough… did you know that the most common password used today is “password” and the second most common is “admin”? Many users have half a dozen passwords to remember which is why the most common password is ‘password.’ The usual solution is to write it down. But how secure is that?) This oversight allowed anyone into the system to change, delete or add anything they wanted… what if one of these people became a “disgruntled employee” later down the line? Finally, we stumbled upon another serious issue that could have been disastrous… After the previous IT person was “dismissed” they were trying to hack into the system using “old employees passwords” (which worked) and decided to try and delete files as well as “hide” mistakes he made. Luckily we tracked everything they did by backing the system up successfully in case anything like this happened!

 

Makes you wish we could go back to the old days when we had a safe with paperwork in it or a filing cabinet with a lock on it that held our business’s most prized possessions. Today, this information is resting in your servers, network to the staff, and then on the internet for fast and easy day to day operations bringing business to what we once called “The future of doing business”. With this new system that has treated us well in the past decade or so, we have neglected to see what other possibilities are growing out there such as network hacking, malicious script sent through email in the form of humor from a trusted source, which destroys our data or even worse, a complete breakdown of our network and loss of all information.

 

Another item I wanted to touch upon was something I stumbled upon last month when a new client came on board and asked simply if we could upgrade their server. The company in this situation changed their IT Firm service to us because they felt like they were not getting the service they needed and wanted more experienced engineering in their technical arena.

 

When this high security Financial company signed on we had no idea what we were about to stumble on! If you look at some URLs you will notice most of them start with an http:. But then you come across the “secure connections” used by companies like financial or legal institutions which look like this http: where the “S” is to signify that it’s a secure site and no one can get in unless authorized with log in and password. What this financial company didn’t know was that their “secure site” was in no way shape or form secure! Here’s how the previous IT firm did it… To cut corners, their previous IT Firm decided to send all “secure traffic URL” to one web-server housing the main page under the URL https: but then translated this to simple http: to retrieve the requested “financial data” for the client from another server (being the data storage server). The traffic is then sent back to the first server which once again translated the http: to https: to again make it look secure! The information was finally sent to the client unbeknownst to them that their personal financial data has no security whatsoever. This was immediately rectified and security was finally restored but with a lesson… when you have security implemented into your network, get certificates of authentication for your records or you may find that you too are exposed to the world of hackers and prying eyes.

 

Article By: Joe Miljan

How Google Maps Can Help Local Businesses
Oct 24th, 2014 by aperio

Everyone knows that Google is the most used search engine on the web, in fact Google’s used 90% of the time someone is looking for information on a product or service. If you’re a business owner and you’re not appearing for searches related to your business you are missing out on valuable traffic.

 

With Google Maps Marketing a local business will:

 

  • Appear for more searches related to their business.
  • Increase click volume for searches related to their business.
  • Increase reviews for their listing.

 

Google’s search results appear in four sections: The Pay Per Click Section; The Organic Section; The Local Maps Section; The Carousel. Google displays their SERP (Search Engine Result Pages) based on the types of searches users are performing. The Maps Section and Carousel only display for local searches. The Organic Section shows up on all search result pages and The Pay Per Click displays above The Organic Section with Google’s AdWords plan.

 

When a user searches for a local business in Google, Google displays The Maps Section which many people think is only based on proximity. The Maps Section rankings are based on many factors and proximity is only one of them. Google wants to make sure that every listing they have listed in their results are correct. If they fail to deliver accurate results users get lost and Google did not deliver.

 

Once a company has their business information listed properly on Google and they earn a great amount of local citations, Google rewards them with better results on the SERP. Google is looking for consistent information on all the websites/directories that have your business citations listed. It’s very important to make sure that your business Name, Address and Phone Number (NAP) are all listed properly.

 

If you don’t have time and need help with Google maps marketing Good On Maps has great tutorials and offers a results driven campaign to get you results before you pay a monthly retainer.

 

Google wants to make sure that you are providing users with a good user experience (UX). If your business is not giving users a good experience Google will not present your listing as often. The best way to test user experience is with A/B testing, A/B testing will help make testing different variations of each of your pages to make sure that your users are finding what they where looking for.

 

Google’s Maps Marketing is more economical and more efficient when it comes to getting rankings. The cost for Local SEO is about four times as much as Google Maps Marketing and in many cases the The Maps Section results appear above all The Organic Section.

 

The Carousel always displays over all results including The Pay Per Click Section. However, when The Carousel appears it’s pulling results from the The Maps Section. Also, The Carousel results only appear for specific broad terms such as “pizza” and “restaurant” for now.

 

Article by: Donnie Strompf

How Peripherals Can Benefit Your Child’s Growth
Oct 24th, 2014 by aperio

The age of the tablet is beginning, which may seem scary for many parents but they offer an opportunity for education and entertainment for your children; the question is what is the best tablet for kids? There are many factors to weigh, from cost to applications and everything in between, but with a little research, finding the best tablet for kids is as easy as the tablets themselves!

 

The children of today are amazing with technology

 

The children of today far surpass our generation with how easy it is for them to understand technology, and as a result will most likely be able to figure out any tablet you get them. This is especially true because of kids amazing capacity to learn. The challenge is finding the one that best suits your own child’s wants and needs.

 

Tablets don’t have to cost an arm and a leg

 

For many parents, choosing a tablet for your children first must pass the test of price. Tablet computers can vary from around $80 to as high as $800 for the more desired brands, but purchasing a less expensive tablet does not necessarily mean it is “worse”. They all offer a variety of features but almost all of them will have applications available to them that both entertain, and educate your children. There are even tablets available that tend to be on the less expensive end of the spectrum that are specifically made for educational entertainment of children. These often come with preloaded applications, sometimes even with television characters they recognize and relate to. They are very cheap and simple to use, which makes them a prime candidate for the best tablet for kids, and perhaps specifically your own.

 

Tablets with Wi-Fi

 

If you feel your child is too mature for that type of tablet, the best tablet for kids may be one that they can grow into. This is when tablets with the internet come into consideration. These tablets are usually over the $150 mark but offer a much broader and longer lasting experience. While the internet can be a scary place to have your children, most tablets come with easy to use parental controls, that can often be switched off for when you would like to use it. Having access to the internet also allows for the downloading of applications. While it is easier to have them come preloaded, there are thousands of entertaining and educational free applications that can be downloaded. In addition, for a more advanced experience, there are paid applications that truly expand the possibilities of your child’s tablet. The best part is the applications usually need a password to be downloaded, which gives you full control of which applications your child does, or does not use.

 

Tablets with cameras and the memory to use them

 

When searching for the best tablet for kids, a large amount of space may be a good idea. In the $200+ range, tablets start to have hard drives capable of holding lots of media. Things like TV shows, or your child’s favourite movie can be loaded on easily and accessed anywhere. This makes that road trip to visit grandma a whole lot easier, and quieter for yourself. This space may also come in handy in the area of pictures and videos. Whether your blossoming little photographer takes them themselves, or you capture that magic home run moment, having a camera on your tablet might just make it the best tablet for kids. Within the $200+ range many of the tablets come with high definition cameras and camcorders built in. Sometimes even with cameras in the front for voice chatting. This is perfect for when dad is away on business but wouldn’t miss a birthday for anything.

 

Tablets for school

 

If your child is nearing the age that he might want a computer for school, the best tablet for kids might be the one that is for young adults too. This is where the consideration of a word processor may come up. They will have the best notes in class on an easy to read screen that still uses standard QWERTY keyboard layout so they can practice their typing. If they find it uncomfortable to use the on screen keyboard, most tablets offer the feature of being able to plug in a normal keyboard instead, which can be picked up for around $10.

 

Protect your child’s tablet with a case

 

Whether your kid is a young man or a rambunctious little girl, when looking for the best tablet for kids, durability is something to be considered. While most tablets come with screen protectors, if your tablet isn’t specifically designed to be able to take a beating, a case is a good idea. There are cases available for every tablet of varying levels of durability. Some offer simple shock absorbing rubber or silicone for the edges, while others give you a full blown hard cases complete with screen protection and waterproofing with a sleek look to match. These cases vary in cost, but it is better to suck it up and throw down the extra couple bucks then to have to pay for a whole new tablet. With that in mind, parents know their kids better than anyone and the level of durability definitely varies from child to child.

 

Tablets are fast becoming on of the most useful and educational tools of the new technological world. While it is easy to push the idea of buying a tablet for your child away, studies are showing that many children respond very well to the simple to use touch screen interface. Just as the old days of spelling words with blocks offered an interactive, hands on learning experience, the tablet does the same. The difference is there is probably an application for those very blocks as well as so much more. When it comes down to it, it’s impossible to find the best tablet for kids. What you can do is find is the best tablet for your own child. As you watch your child grow and learn with their tablet you will know that you have truly found the best tablet for kids.

Article by: Mike Keesan

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