Tuesday, May 12, 2015

Data Security; Are your Assets Secure?

Is your data secure? Think again. Securing data is unlike any other corporate asset, and is likely the biggest challenge your company faces today. You may not see it, but almost all of your company's information is in digital form somewhere in the system. These assets are critical because they describe everything about you; your products, customers, strategies, finances, and your future. They might be in a database, protected by data-center security controls, but more often than not, these assets reside on desktops, laptops, home computers, and more importantly in email or on some form of mobile computing device. We have been counting on our firewall to provide protection, but it has been estimated that at least fifty percent of any given organization's information is in email, traveling through the insecure cyberspace of the Internet.


Digital Assets are Unique

Digital assets are unlike any other asset your company has. Their value exceeds just about any other asset your company owns. In their integral state they are worth everything to your company; however, with a few "tweaks" of the bits they are reduced to garbage. They fill volumes in your data center, yet can be stolen on a keychain or captured in the air. Unlike any other asset, they can be taken tonight, and you will still have them tomorrow. They are being created every day, yet they are almost impossible to dispose of, and you can erase them and they are still there. How can you be sure that your assets are really safe?


Understanding Physical Security Architectures

Physical assets have been secured for thousands of years, teaching us some important lessons. An effective security architecture uses three basic security control areas. Let's assume you want to create a secure home for your family; what would you do? Most of us started with the basics; doors, windows, locks, and perhaps a fence. Second, we rely on insurance, police protection, and we may have even purchased an attack dog or a personal firearm. Given these controls, you may have taken one more step to provide some type of alarm. Not trusting your ears to detect an intrusion, you might have installed door and window alarms, glass break sensors, or motion detection. You may have even joined the neighborhood watch program in your area. These are the controls everyone uses, and they are similar to the controls that have been used since the beginning of mankind.

Which is most important? Looking at the three categories of security controls used, the first consists of protective devices that keep people out; doors, windows, locks, and fences. Secondly, alarms notify us of a break-in. Finally we have a planned response control; the police, use of a firearm, or recovery through insurance. At first glance it may appear that the protective controls are the most important set of controls, but a closer look reveals that detection and response are actually more important. Consider your bank; every day the doors are open for business. This is true of just about every business, home, or transportation vehicle. Even the bank safe is generally open throughout the day. You can see it from the bank teller counter, but step over the line and you will find out how good their detection-response plan is.


Evaluating your Company's Approach

Now look at your digital assets; how are they protected? If you are like most organizations, your entire security strategy is built on protection controls. Almost every organization in America today has a firewall, but does not have the ability to detect and respond to unauthorized users. Here is a simple test; run a Spyware removal program on your system and see what comes up. In almost every case you will find software installed on your system that was not installed by an authorized user. In the past this has been an irritation; in the future, this will become the program that links uninvited guests to your data. Bruce Schneier, a well known security author and expert writes in his book, Secrets and Lies, "Most attacks and vulnerabilities are the result of bypassing prevention mechanisms". Threats are changing. The biggest threats likely to invade your systems will bypass traditional security measures. Phishing, spyware, remote access Trojans (RATS), and other malicious code attacks are not prevented by your firewall. Given this reality, a detection response strategy is essential.

It's time to review your security strategy. Start by asking three questions. First, which assets are critical to your business, where are they located, and who has access to them? Second, what threats exist? Determine who would want your data, how they might gain access, and where the possible weaknesses in your security architecture lie. Finally, how comfortable are you with your company's ability to detect and respond to unauthorized access. If someone wants access to your data, preventative measures alone won't stop them.

Begin planning a balanced security architecture. Start by adding detection controls to your prevention architecture. This does not mean simply adding intrusion prevention software (IPS), but rather creating a system to proactively monitor activity. Intruders make noise, just like in the physical world, and with proper event management, combined with zero-day defense technologies of IPS, network administrators can begin to understand what normal activity looks like and what anomalies might be signs of an attack. In a recent interview with Scott Paly, President and CEO of Global Data Guard, a Managed Services Security Provider (MSSP), Scott said, "Threats such as worms and new hacker techniques constantly morph, so the most viable model for optimum security is a blend of preventive and predictive controls based on analysis of network behavior over time". By balancing prevention, detection, and response, companies can defeat most of the latest hacker attempts.

CleverDocs for IFAs - Compliance, Relationship and Document Management system specifically for Independent Financial Advisors

Cost of compliance with new FSA regulations can now be reduced

The additional cost of compliance with the new FSA (Financial Services Authority) regulations for insurers can now be contained thanks to Accounting Products (www.cleverdocs.co.uk) enhanced customer relationship/document management software CleverDocs for IFAs.

Accounting Products document management system – CleverDocs for IFAs - has already substantially reduced operating costs for Denyer Insurance by streamlining many of the processes for compliance, sales, customer interaction and document management. Denyer, which pioneered commission-free life, critical illness, pensions and general insurance, sold via the internet, is the first IFA to incorporate the enhanced software. CleverDocs for IFAs helps ensure this by improving productivity across all aspects of an IFA business:
• Compliance
• Business Management
• Relationship Management
• Document Management
• IFA Intelligence

Compliance
Comprehensive client and policy registers
Fact find recording
Terms of business agreement status
Logged communications with providers and clients
Business Management
Financial Services and General Insurance
Commission statements can be retrieved by time and/or providers
Renewal commission forecasting
Commission tracking at IFA, insurer and even client level
Reduced administration
Greater responsiveness
Business Intelligence
Relationship Management
Client policy history and status is available on-line
Authorised agents have access to documents
Automated communications with clients when policy status changes
Standard letters can be created and sent automatically
Document Management
All communications scanned and accessible on line
Documents can be filed against providers, clients and policies
Documents can be filed against any number of clients and policies
Thumbnail view of documents available for quick reference or
Documents can be opened and printed, emailed or faxed from the screen

IFA intelligence
Comprehensive policy register
One or multiple parties to a policy
One or multiple lives to assure
Policy extensions
Key dates available on policy records (Application, Acceptance , On-risk)
Reasons (Letter, Objectives, Risk Attitude)
Policy numbers (internal and provider)
Status policy application with compliance/sales process
Advice and policy history available

From 2005 the new FSA regulations will demand increased transparency and compliance auditability. Simon Hill, Managing Director of Denyer says “while creating a new way of selling insurance, it became apparent that we also had to transact our business in a new way. The cost of dealing with paper has always been a key factor in operating a paper based business. The creation of CleverDocs has allowed us to automate many processes. From an initial interest on our website through to policy acceptance and follow-up we have been able to make the most of our key processes to become paperless and yet retain the feel, as far as clients are concerned, that we are looking after their needs in a traditional manner.”

CleverDocs was created on time, on budget and, after three years’ continuous operation, without a single failure”. He continued “after we implemented CleverDocs and went live, we were able to immediately transact more business and release staff to do more productive work. We also had one place for customer records, quotes, policy documents, e-mails, correspondence etc. With this system in place, everything became accessible at the touch of a button”.

Choosing A Web Designer: A Plan To Guide You Through The Minefield

Choosing a web designer can seem like a daunting task. They come in all shapes and sizes – from freelancers working at home to glossy new media agencies, and there is as much variation in prices and service as there is in size.

So how do you choose the right one for your business?

Select Your Marketplace

Firstly, decide what market your would like to select from: local , national or overseas.

If you would feel more comfortable meeting your designer, and running through your project face to face (maybe it’s the kind of project that needs to “evolve”) ,and your ethos is “quality of service” rather than “Pile ‘em high, sell ‘em cheap” then a local web designer is for you. They can usually provide better back up, and be able to meet face to face to discuss your project and iron out any problems should they occur.

If you are a bit more budget conscious, then it makes sense to select from a “wider pool”. Getting quotes from designers across your country will usually obtain a more competitive quote. What you lose in face-to-face service is made up for in cost savings, and all but the largest web projects can usually be sorted out via telephone and email these days.

For the extremely cost conscious and value for money orientated (some would even say “brave”!) there is the overseas market. If you know exactly what you are looking for and can explain your project thoroughly and clearly in writing, then there are huge savings to be made. But what you save in price is invariably countered by having to do a little more work on your side – particularly when it comes to communication!

Finding Web Designers

To find a list of local web designers consult your Yellow Pages (or equivalent) or do a web search for “web designer “ “your area”. Looking further a field, you can do a web search or check out directories such as www.recommended-web-designers.co.uk . For overseas designers, go to web sites such as www.elance.com or www.rentacoder.com, the latter offering the benefit of escrow and arbitration services.

Draw up a shortlist

Draw up a shortlist of 3 or 4 designers to speak to. You can do this by visiting their websites, getting a feel for the type and size of business they are and looking at their online portfolio. Then call them – ask them questions about the type of clients they work for, timeframes and any other technical questions you have. Get a feel for how they communicate – whether they are on the same wavelength as you.

If you opted to go overseas, the websites already mentioned have ratings systems which can help you decide, and you can also send and receive private messages to ask questions.

Get Quotes

Once you have your shortlist, you can get quotes. For a straightforward website this can be a simple fixed price – for a more complicated project that is likely to evolve, you may just want to get a budget price at this stage, and then pin down details and a fixed price with your preferred bidder later. Always specify your expected timeframe for completion when obtaining quotes as this can affect prices.

Get References

Once you have your preferred bidder, get references. Any established web designer will be able to provide details of satisfied clients. Email them and ask if they were happy with the service received, if the job was completed on time, how unforeseen problems were dealt with etc.

Remember to trust your instincts: If you are not entirely happy with the references you obtain, walk away and select another designer.

Appoint your web designer

You now have a fixed price, references, and confirmed timescale for your project. Now appoint your designer!

Most have standard agreements –read them carefully, and if in doubt get your legal adviser to look them over. Make sure timescales and project milestones are specified, as well as payment terms. Find out how alterations to your project are dealt with – in terms of cost and delays – and how disputes if they arise would be settled.

Finally, when you are completely happy, sign on the dotted line and look forward to a productive working relationship with your web designer!

Can You Survive In An Online World?

Do you have the skills to make it in a computer driven, increasingly online world?

Your immediate, knee-jerk reaction may be "Yes! Of course I have the skills.

I know how to send and receive email and surf the web.

I can even download and install files."

Well, three or four years ago, email, Web surfing and downloading files qualified you as "electronically literate," but not any more! Computer and online survival skills now encompass much more than that.

Surviving in an online world involves maintaining a high degree of "electronic literacy," which means focusing on and developing skills in the following areas:


** Personal Computer skills **

In the old days of 1998, the ability to use a computer, keyboard and mouse rated anyone as computer-literate.

In fact, you were a real pro if you could burn a CD, scan documents and manipulate digital pictures.

Fast forward to today and "personal computer skills" carries a whole new meaning. You must know how to maintain and update not only anti-virus, but "anti-spyware," and firewall software too.

You also need to understand how operating with Windows ME, or 2000, or XP will affect your ability to use certain software along with specific security precautions to avoid trouble from hackers.


** Internet Skills **

In the bygone era of 1998, friends considered you an online genius if you possessed basic surfing and navigation skills.

They watched in awe as you used search engines like InfoSeek.com (a long-defunct search engine) to find and download programs, pictures, and information on specific topics.

Now electronic literacy means the ability to set up, upload, and maintain basic web pages and blogs.

It also means understanding terms such as "RSS" and "news aggregator" because that's the next generation of how information will get disseminated online (and it arrives for the masses this year).


** Email Skills **

Perhaps the most deceptively simple of all the areas of electronic literacy, email actually presents the most challenges for keeping up with the times.

Previously, clicking the "send and receive" button meant you were proficient at using email.

Now, because of spam, viruses and "phishing scams" (identity theft schemes delivered through email), email requires a whole new set of skills, "street smarts" and software just to survive.

You must understand how to use an email "preview" program such as MailWasher.net to eliminate spam and virus email messages before they ever reach your computer.

You also must learn to protect your identity and avoid "phishing scams" by learning to recognize and defend against online con-artist tactics.


** Buy or Borrow Expertise **

Though you should constantly upgrade your skills through personal education, nobody can do or know it all (except maybe your know-it-all bother in law).

The good news is that you can always buy or borrow someone else's expertise to solve any online challenge.

A prime example of outsourcing in the consumer market is all the little stores popping up in strip malls to help you sell your stuff on eBay.

Through outsourcing, online survival skills can also mean taking what was previously the exclusive realm of computer geeks and making it as easy as dropping off the dry cleaning.

Can the Internet Foster Intelligent Conversation?

Can the Internet foster intelligent conversation and help to form new ideas and moral beliefs?

A weird thing happened yesterday as I walked through my university campus. A young man approached me from a political organization that obviously was canvassing for new members. This is nothing new as there are always people attacking me for one cause or another. I am very interested in the ways in which life and human society works especially in the realm of spirituality and morality. However, I have to admit that I've never really gotten much out of politics, or economics which politics seems to be mainly focused on. For some reason I got into a conversation with this fellow and the resulting experience affected me profoundly.

I don't know if his political group is relevant to this article but I will mention it is based around a U.S. Democrat named Lyndon Larouche. The guy was telling me in detail about how the present world economy based around George Bush's American system is destined for failure and causing much trouble in the world. This I agreed with wholeheartedly as I can't condone or imagine spending huge amounts of energy on killing people in a war as being a positive act.

He also mentioned one of my favorite human rights activists: Martin Luther King Jr. The guy was saying that under current conditions the ruling fascist 'Empire' is suppressing individual thought and creativity and that the masses of the world had become mindless cattle. He said that the key to evolving a new morally upstanding world society we will need individuals to once again think for themselves and change the current economic structures that control life on earth. He used a lot of big economic-type terminology so some of what he said went over my head, but I generally took the guy to be a nice, intelligent person who believed passionately about what he did. He gave the impression that people like King are the great transformers of beliefs in society, and that only truly awakened souls will be happy when they die.

I try not to take myself or life on Earth too seriously as this has caused many problems for me in the past. However, I do think that life and love are very important ideas to focus on when one is growing spiritually. I decided to sign the group's list and get a little bit more information so as to really make up my opinion about these matters that I know so little about (economics and politics). Here is where the story goes strange. I wrote down my name and my email address and the fellow asked if I'd put down my phone number as well. I said that as I am a writer I don't like being interrupted by the phone ringing and that I'd rather communicate via the Internet. This is when the trouble began.

The man was visibly upset and said that the Internet was not a good place for people to exchange ideas and have conversations. I laughed and replied that the Internet is very young and how could he judge it so harshly in such a black and white manner? He ironically sounded a little like the fascists that he disliked so much when he retorted that no great ideas had ever come from people on the Internet, and for that matter, a 'real' conversation between people had to be conducted face to face. Well, I could have mentioned that on the telephone you cannot 'see' anyone's face, but I thought I'd try to explain my position on the matter a bit more positively.

I told him that the Internet was just a simple tool of communication that was bringing individuals closer together. You can see someone across the world with a web cam whilst hearing his or her voice perfectly. I then mentioned that the Internet was doing exactly what he felt was necessary for society to flourish in the future; it is giving voice to individuals' ideas like never before in human history. The guy was then really starting to lose his cool and was getting quite upset. I then thought I'd mention the idea that the Web was dissolving the concept of national borders as anyone could talk to anybody else freely with the simple realization that all people are the same. People are no longer forced to think of other nationalities as separate 'types' of people that one should steer away from.

By this time the guy had become very irate and said vehemently that there is nothing wrong with having separate nations. He then contradicted himself and agreed with me by saying that the 'Empire' only wanted to 'divide and conquer' and split countries into even smaller entities that could then be taken over. I replied softly that that process inevitably produced more unnecessary borders between fellow humans.

The main point that stuck with me after the conversation ended was the fact that it was the mentioning of the Internet as a positive medium for communication and enlightenment that so severely upset the guy. I guess no matter how knowledgeable about the world and sure of yourself that you are, if there are things that you are still unaware of, or in this case close-minded to because of some irrational fear; like a link that snaps in a chain, so will your peace and calm will be shattered by ignorance and anger.

Spirituality and morality can be discussed on many different mediums...Politics and economics must be the same.

Can I make money online with the Adsense program?

Sure you can. If you will learn how many other people make money online with Adsense, I mean really study how and ask a lot of questions on marketing forums, there is no reason in the world you cannot make money with the Adsense program.

Before starting to develop this opportunity to make money online you need to understand some basic things about Adsense. I will outline some benefits and disadvantages about Adsense here.

Let's start with the Adsense benefits:

You don't have to pay a fee to use this program. You can apply for free.

You can join the Adsense program very easy. After you are accepted into the program you just have to paste a bit of code into your pages.

Because of their method to identify what a page is all about you don't have to spend time finding advertisers, they will place on your page the exact advertisers you need.

If you own a really big network of sites, you don't have to apply for each of them. Just apply once and use the same code on every site.

And many other benefits but let's take a look at the disadvantages too:

The biggest disadvantage that most users report is that the stats Google supplies are inadequate. Even if they're very easy to understand they don't tell you which ads people are clicking on, or which keywords are involved. That's very frustrating.

The minimum payout is $100, users that have sites which don't receive much traffic say that it's too high. If you plan on doing from adsense a successful business. don't worry about this.

If you want to display adsense ads you may not display other text based ads on the same page with them. When you apply humans will check your site for approval, if you are rejected just try to understand why they did, fix it and appeal again.

You will never know how much from the amount that advertisers pay you will receive. You will just receive an unknown percentage from that amount.

With this benefits and disadvantages in mind you can now start to learn all the inside secrets of adsense and develop a real online business. You can start doing so by reading about it on major make money online forums, tring to understand all there's about it many users discuss this topic very deep.

Best Way To Send Anonymous Emails

There are moments when you need to send an anonymous e-mail for the simple fact that you don't want that particular person to reach your address or because you don't want people to know you have sent that e-mail.Another common situation is the one in which people use your e-mail address to do illegal things and, due to the fact that we are talking about your e-mail adress you can be arrested. This is way, sending anonymous e-mail is sometimes beneficial. There are of course, many ways to do this and the purpose of this article is to present some of them.

One method to send an e-mail anonymously would be the usage of a remailer server to hide id information or anything elated to yourself.These remailers can be used not only for hiding your identity , but also to surf the Internet without anyone knowing it is you. In this case, there is a certain type of utility which allows you to send anonymous e-mail. It is generally free but a delay of 20 seconds on the browser can appear unless there is paid the amount of $15(three months) for the entire package. Moreover, you should know that in this case, the person who receives the e-mail cannot respond. There are however some other utilities which let you create an anonymous e-mail as you can also receive mails.

There is an easier way to send these anonymous e-mails. It is free and the one thing about it is the fact that you do not need to create an account for being able to send the e-mail. This is wanted in most cases as creating an account can take a lot of time; moreover, in the case of sending an anonymous e-mail an account is not needed even if it is for free. We have always wanted to have as utility e free emailer where we could just type the message, introduce the address of the receiver and sign out. This is what a free emailer does. Besides the fact it is free, you can send the e-mail in no time and the free emailer will make sure it is anonymous.

In conclusion, it is my strong belief that any person can be smart enough to make the right election: it is like choosing between two almost identical options, a difference being that the first is not free and the last is more easy and rapid. What should you do?

 
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