Top Computer Virus Threats in 2008

Computer Virus threats are neither surprising nor new on the Web. They are stepping towards newer technologies such as VoIP and instant messengers. With advancement in the features available on the Internet, hackers continue to drive malware. This underlines an importance of being aware and secure when traversing the Web. Antivirus Installation is must in each and every computer attached to Internet.
Predictions for top security threats in 2008 are:
• Increase in Password Staling Websites: There will certainly be a rise in the number of attacks seeking to capture a user's ID and password by displaying fake sign-in pages. Online services will primarily be targeted to spread virus and malware. As opposed to this, the attacks on ISPs are likely to decline, while those aimed at the financial sector will move with the same pace.
• Increase in Spamming: Spamming will continue to grow, accounting for 40 per cent of the total spam received as compared to 10 per cent a year ago. There has been a significant rise in the incidence of image spam and others such as pump-and-dump stocks, pharmacy, and degree spam.
• Increase in IM Attacks: Instant messaging client is gaining wide popularity among Internet-savvy. They are always in search of better messengers to communicate on the web. Since instant messengers feature a number of exclusive features such as file transfer & webcam support, the virus attacks on these applications may increase in near future.
• Increase in Online Gaming Attacks: Online gaming is both the source of entertainment and money for several companies which allow their registered members to buy virtual goods to continue the game. The computer virus attackers may try to target these virtual goods to make real money.
• Increase in Windows Vista Attacks: The attackers and hackers generally seek to take advantage of flaws present in the operating systems. Since Windows Vista, the latest version of Microsoft Windows is believed to be affected by critical vulnerabilities, the hackers may try to inject virus into the affected systems.
• Increase in Phishing Attacks: Phishing attacks are expected to be one of the top 10 threats in 2008. With growth in number of incidence of using copies of original websites to trick the users to get their sensitive data, the phishing attacks can increase.

If you would ask, what is a residual income? Residual income is when you get paid over again because you made something but just for once. Like when you are an author, a director, a song writer or a prodigy. They pay you with the things you made that had a great impact on the public. One of the good examples is the writer J.K. Rowling, the one responsible for Harry Potter's popularity.But did you know that the easiest way to earn a residual income is through the internet? Yes, definitely. To make this possible, you need to find and decide for a business opportunity to earn residual income.Think of the products that people will need almost everyday or should I say on a regular basis. Internet networking really works. A good example to start is when you have the product already for promotion, it is better if you require visitors some membership fee. If they like your products then they will remain at your site and they will always sign up for sure. In this way, you are going to earn a residual income already.When you choose this kind of option making residual income on the net, you should be a paid member of the product or program that you are going to promote. This tactic makes sense since your online business itself must have money so to exist. When you work really hard for this, you can pass on many people. Now you will generate residual commissions from them, then you can now cover the fee that you made for your own membership.But when you think over, not all online businesses succeed. Donít think this as a threat for your online business but a challenge to get through it. Some online businesses fail and they do not earn residual income at all because of the fact that they do not have a really good foundation.The way to get through this and earn a great residual income is to learn the basics. You need to set up the business for residual income. You see, when you get to make a sale for a day, then the guarantee is that you are going to make a good deal of money again and again. Setting up the business makes a residual income.The best way to set up is to join an affiliate program. Affiliate programs are made to give each affiliate a site where their affiliate ID is encoded. When they make a sale then it will be credited on their ID. When they sign up for another affiliate, their ID is now linked to them. Sales made by their affiliates will be credited to them also. Affiliate program is the best way to earn residual income, very easy to start and maintain.Now the biggest mistake an online marketer thinks is that they do not have to work real hard for this. When you do not devote enough time for this business, and you think that earning a residual income is just as easy as eating candy, then your business will fail soon or late. Always keep in mind that nobody gets money instantly. You need to work real hard for it.These are some of the easy tips to get your residual income working. Online business is at its peak nowadays and in the years to come. So go on, give the best foundation for a residual income business and see the difference it will bring when it comes to money making. Good luck!

money

In any sales position, objections are the roadblock to making the sale. And, in order to succeed, you must find a way to overcome and satisfy the prospect. In the mortgage industry, we face a unique challenge—getting the customer to “believe” us, and not the other loan officer/broker (who may just be stretching the truth to get a sale, and may never deliver as promised). Gaining commitment early-on is what I teach in my Sink or Swim Loan Closing System at http://www.loanclosingsystem.com/ But, getting the customer to trust you over somebody else, is not an easy task. Here are some of the most common objections I hear, the reasons behind them, and what I say to put the borrower at ease. Even when I think I’ve heard them all, people surprise me! 1. Not ready to do anything yet. This means that the prospect doesn’t fully trust you, or that you haven’t fully uncovered what their true motivations are. Creating urgency is an absolute must. Here are some things I say: When do you think you will be ready to make a decision? What day this week can I expect to hear back from you? As you know the interest rates change everyday, this is the best deal that I see as of today. If I see anything else, I will let you know, but remember we could lose this rate. What other information do you need before you can decide? 2. Interest rate not low enough. This means that the prospect doesn’t see the value of the transaction or that they are simply wanting a rate that isn’t available given their situation. Here are some things that I say: What rate are you looking for? How much more would you like to save per month? What is your motivation for doing the transaction? I understand that you don’t think the rate is low enough, but if I could show you a way that you would still benefit, would that be of interest to you? 3. Still want to look around. This means that the prospect isn’t satisfied that they are getting the best deal available in the marketplace. Here are some things that I say: How many other lenders or brokers have you spoken to? What rates/closing costs did they offer you? I want you as a client, what would it take to make you satisfied to do business with me? If I spend some more time, and can get you a better deal, would you be willing to give me a day or two before you make a final decision? There are many thousands of lenders and rates available, we deal with about 300 of them, this was the best deal I saw we can offer you as of today. 4. Don’t want to go through all the hassle. This means that the prospect still doesn’t see the benefit or is lazy and unorganized. Here are some things that I say: Don’t worry; we handle all of the paperwork and the loan process. All you have to do is gather a few documents that prove your income and assets and we will do the rest. The process is quick, easy, and pain-free. At closing, you simply have to sign your name, and you will (save X amount per month, or in interest over the life of the loan, or etc.). When do you think you can get these papers to us by? O.K., I will be sure to look for them on that day and will call you if I don’t see them. 5. I have to talk to my (husband or wife)./My (husband or wife) doesn’t want to do it or hasn’t made a decision. This means that the prospect isn’t the decision-maker or is simply trying to pass the buck. Here are some things that I say: Would you prefer it if I spoke to your (husband or wife) for you and explained what it is you are considering? When do you think you can speak to them by? Please give them my phone number and have them call me if they have any questions. How long will it take for you both to make a decision? 6. I can’t find all the paperwork./Why do you need all this? This means that the prospect doesn’t have everything in one place, is unorganized, or just making an excuse. Here are some things that I say: We only ask for documents that we need. I don’t like to collect more paperwork than is absolutely necessary as it clutters-up the loan process. The underwriter is asking for it, so when do you think you can get these documents to us by? Here is my fax number. If you don’t have or can’t find your statements, go back to your financial institution or bank and have them simply print one out for you. (By the way, my system at http://www.loanclosingsystem.com/ tells you exactly what documents to ask for upfront from the customer). 7. I found a better deal elsewhere. This means that the prospect is still “shopping” you. This is the most common objection I hear. Here are some things that I say: Mr. (prospect), I know you may think you have found a better deal elsewhere, but did you review carefully what they offered? How do you know you can get that rate (given your financial situation)? Are they simply trying to bait and switch you? Mr. (prospect), did you know that if you are buying a house, and you switch lenders when too far into the process, you risk losing the whole deal, don’t you? You don’t want to do that. Do you have a lock-in confirmation or a GFE (Good Faith Estimate) you can send me? Maybe I can beat their offer? I want to make sure you get the best deal you can get. 8. I ‘m not saving enough./I don’t see the benefit of this. This means that the prospect doesn’t think that $50 or $100 or more saved per month is worth the trouble. Here are some things that I say: Your monthly savings of X, is a night out with your family, money saved, a potential vacation fund, etc. In addition to the monthly savings, you are also saving X thousands of dollars over the life of the loan and X amount in additional interest payments. Although you aren’t saving a whole lot, remember you are cutting X years off the life of your loan and the savings to you will be X. 9. Closing costs are too high. This means that the prospect isn’t fully educated on what closing costs comprise of or wants a no-closing-cost loan. Here are some things that I say: Did you know that if you pay the closing costs on your loan, you may be able to get a lower rate? Do you know what all of the closing costs mean and are comprised of? How much did you pay on your last refinance or home purchase transaction? What part of the closing costs do you feel are too high? We showed you some ways of saving on closing costs, was that of value to you? Did anyone else do this? Are they telling you all the facts? If we could offer you reduced closing costs, or even no closing costs, and still get you a decent rate, would you reconsider our offer? The important thing to remember about objections is that they signal that a prospect hasn’t fully been sold, or that a borrower isn’t completely on board. By uncovering objections early, eliminating them, and continuing to build trust, you will close more loans in less time and make more money. Use my examples above and you will get more loans to the closing table. Use my Sink or Swim Loan Closing System at http://www.loanclosingsystem.com/ and your income will skyrocket!

The Most Profitable Investment In Real Estate

In any sales position, objections are the roadblock to making the sale. And, in order to succeed, you must find a way to overcome and satisfy the prospect. In the mortgage industry, we face a unique challenge—getting the customer to “believe” us, and not the other loan officer/broker (who may just be stretching the truth to get a sale, and may never deliver as promised). Gaining commitment early-on is what I teach in my Sink or Swim Loan Closing System at http://www.loanclosingsystem.com/ But, getting the customer to trust you over somebody else, is not an easy task. Here are some of the most common objections I hear, the reasons behind them, and what I say to put the borrower at ease. Even when I think I’ve heard them all, people surprise me! 1. Not ready to do anything yet. This means that the prospect doesn’t fully trust you, or that you haven’t fully uncovered what their true motivations are. Creating urgency is an absolute must. Here are some things I say: When do you think you will be ready to make a decision? What day this week can I expect to hear back from you? As you know the interest rates change everyday, this is the best deal that I see as of today. If I see anything else, I will let you know, but remember we could lose this rate. What other information do you need before you can decide? 2. Interest rate not low enough. This means that the prospect doesn’t see the value of the transaction or that they are simply wanting a rate that isn’t available given their situation. Here are some things that I say: What rate are you looking for? How much more would you like to save per month? What is your motivation for doing the transaction? I understand that you don’t think the rate is low enough, but if I could show you a way that you would still benefit, would that be of interest to you? 3. Still want to look around. This means that the prospect isn’t satisfied that they are getting the best deal available in the marketplace. Here are some things that I say: How many other lenders or brokers have you spoken to? What rates/closing costs did they offer you? I want you as a client, what would it take to make you satisfied to do business with me? If I spend some more time, and can get you a better deal, would you be willing to give me a day or two before you make a final decision? There are many thousands of lenders and rates available, we deal with about 300 of them, this was the best deal I saw we can offer you as of today. 4. Don’t want to go through all the hassle. This means that the prospect still doesn’t see the benefit or is lazy and unorganized. Here are some things that I say: Don’t worry; we handle all of the paperwork and the loan process. All you have to do is gather a few documents that prove your income and assets and we will do the rest. The process is quick, easy, and pain-free. At closing, you simply have to sign your name, and you will (save X amount per month, or in interest over the life of the loan, or etc.). When do you think you can get these papers to us by? O.K., I will be sure to look for them on that day and will call you if I don’t see them. 5. I have to talk to my (husband or wife)./My (husband or wife) doesn’t want to do it or hasn’t made a decision. This means that the prospect isn’t the decision-maker or is simply trying to pass the buck. Here are some things that I say: Would you prefer it if I spoke to your (husband or wife) for you and explained what it is you are considering? When do you think you can speak to them by? Please give them my phone number and have them call me if they have any questions. How long will it take for you both to make a decision? 6. I can’t find all the paperwork./Why do you need all this? This means that the prospect doesn’t have everything in one place, is unorganized, or just making an excuse. Here are some things that I say: We only ask for documents that we need. I don’t like to collect more paperwork than is absolutely necessary as it clutters-up the loan process. The underwriter is asking for it, so when do you think you can get these documents to us by? Here is my fax number. If you don’t have or can’t find your statements, go back to your financial institution or bank and have them simply print one out for you. (By the way, my system at http://www.loanclosingsystem.com/ tells you exactly what documents to ask for upfront from the customer). 7. I found a better deal elsewhere. This means that the prospect is still “shopping” you. This is the most common objection I hear. Here are some things that I say: Mr. (prospect), I know you may think you have found a better deal elsewhere, but did you review carefully what they offered? How do you know you can get that rate (given your financial situation)? Are they simply trying to bait and switch you? Mr. (prospect), did you know that if you are buying a house, and you switch lenders when too far into the process, you risk losing the whole deal, don’t you? You don’t want to do that. Do you have a lock-in confirmation or a GFE (Good Faith Estimate) you can send me? Maybe I can beat their offer? I want to make sure you get the best deal you can get. 8. I ‘m not saving enough./I don’t see the benefit of this. This means that the prospect doesn’t think that $50 or $100 or more saved per month is worth the trouble. Here are some things that I say: Your monthly savings of X, is a night out with your family, money saved, a potential vacation fund, etc. In addition to the monthly savings, you are also saving X thousands of dollars over the life of the loan and X amount in additional interest payments. Although you aren’t saving a whole lot, remember you are cutting X years off the life of your loan and the savings to you will be X. 9. Closing costs are too high. This means that the prospect isn’t fully educated on what closing costs comprise of or wants a no-closing-cost loan. Here are some things that I say: Did you know that if you pay the closing costs on your loan, you may be able to get a lower rate? Do you know what all of the closing costs mean and are comprised of? How much did you pay on your last refinance or home purchase transaction? What part of the closing costs do you feel are too high? We showed you some ways of saving on closing costs, was that of value to you? Did anyone else do this? Are they telling you all the facts? If we could offer you reduced closing costs, or even no closing costs, and still get you a decent rate, would you reconsider our offer? The important thing to remember about objections is that they signal that a prospect hasn’t fully been sold, or that a borrower isn’t completely on board. By uncovering objections early, eliminating them, and continuing to build trust, you will close more loans in less time and make more money. Use my examples above and you will get more loans to the closing table. Use my Sink or Swim Loan Closing System at http://www.loanclosingsystem.com/ and your income will skyrocket!

you need money.......?????????

Do you need money to start a business or to improve it?
Entrepreneurs are idea thinkers and deal makers. More and more people now are interested in creating own business because of the endless opportunities in the world, even uneducated individuals. Have you dreamed of opening a fresh and new product, a new way of producing something, an innovative market, online business, or some other type of business?
There are thousands of opportunities that you can find from emerging communications, culture, and science and technology. As beginners, you have to gather as much information as you can for the success of your chosen field. All you need to do is identify these business opportunities and turn them into a real business enterprise.
Being an entrepreneur is hard especially for beginners. However, with diligence, hard work, patience, knowledge, and a whole lot of other qualities, even you can become a successful entrepreneur. But, the most important thing is capital. If you have all about these, but no capital to start up. So, your dream is impossible.
Free business grants are a great way to find money to set up and expand your business. The government offers real chances and supports to good projects and causes. The government has several programs to assist you both financially and mentally to be entrepreneurs. There are over 1,400 federal government programs and 17,000 state available in any given year.
A federal grant can help you to start up a business which point you into the entrepreneur way. There are many of funding sources including government agency contacts, state contacts, and foundation grant contacts with direct links to their respective websites.
All U.S. citizens and residents are eligible to receive U.S. Federal Government, State Government and Private Foundation-funded grants and loans. Remember, these programs do not require credit checks, collateral, security deposits or co-signers. Even if you have declared a bankruptcy or currently have bad credit: as a tax payer and U.S. citizen or resident, you are entitled to this money!
Grant money is completely independent from your personal credit rating. Your receiving grant money is entirely based on personal need, regardless of your credit history.
When someone tells you that you can't do something... Look around... Consider all options... Then GO for it! Use all the things God gave you! Be creative! In the end, you will succeed and prove them wrong! Always remember "When there is a will, there is a way"

..... love you

I Love Purely, and will never loose hope, for to love You alone is my Only Joy! I love you with a love I seem to lose with my lost Saints. I love you with my smiles and my Tears Of all My Life!... And if God chooses, I can't promise that I shall Be yours because... I don't know just how far my misfortunes may reach, or what punishments are reserved for my fault. I do promise You shall never receive the displeasure of seeing me another Love than You. I shall Love You Infinitely! I love you like the gaze of starburst Lillies through my porch window. Can you imagine behind furniture, underneath the bed there lies small particles that in some way sustain each other, quietly without drawing immediate attention. So definitely present and existing. I love you without knowing How, When, or Where.I remember, You are My first Love. How I never had expected such a polarizing warmth as I dream of you, I'm sure this is far to feeble of me , but I bear it all, humble before you.. I Love You from My Soul. I Love You freely like an Eagle Soars and his wings widens. I hold nothing back, My Love Runs faster than the Rushing water of niagra falls bends to greet the stillness of the rocks.As it folds and dips through the currents, what now survives is the large array of colors that touches my heart and leaves me a picture of a Rainbow.
Celeste Murrell

......... student :)

Private student Loans is another alternative that comes into force rescuing students who have a bad credit history. I have heard of many cases where students apply for loans as a supplement with their Stafford or Perkins loans. In other cases, I have seen people applying for student loans with private organizations when their Stafford loan amount comes to an end.

There are many financial institutions that offer private student loans with bad credit. The only fuss in the deal is the requirements of the financial institutions. Most entities that I know of providing this service would require a Co-borrower or a Co-Signer. This means as a student you and your parents would need to sign on the loan agreement agreeing to repay the loan.

In certain cases where you have repaid some installments of a previous student loan independently, you would be given the authority of branching away the Co-borrower. This is known as Co-Borrower Release and by doing so, you ensure that the loan repayment is entirely yours. This also puts you in a position where you are not hit by the Credit History of your Co-Borrower. Both of you are separate entities speaking from the loan perspective and you would hence need to take charge of repaying your loan off.

Be careful applying for private loans with banks. If your bank requires a co-borrower to sign on the agreement before the loan is sanctioned, make sure that your co-borrower has a good enough credit history. Not having a good credit history could jeopardize your chances of getting the private student loan that you would have otherwise got stand alone.

It is an unsaid rule in the world of loans that one needs a co-signer to ensure that the student loan gets approved. That said, it does not mean that you would not get loans if you do not have a co-signer to sign on your agreement. There are some lenders in the market who would offer loans to you with you having to worry about the co-signer.

Start your research today and trust me, you will find one or the other lender who will be able to give you a loan without your co-borrower. Please note that having or not having a co-borrower for your loan is subject to the credit history of your co-borrower. If he has a good credit history, you would not mind getting him on-board for signing the loan agreement. Think twice if it is otherwise.