Zero Fraud Liability

Posted on Thursday, 19th January 2012 by Nate Sawers

- You don’t have to remind me that in a free enterprise system, it is the “right” of any individual to earn as much as he possibly can. You don’t have to tell me that the government should not be the arbiter deciding how much any person in the private sector should earn. You don’t have to convince me that the men and women who work the longest, hardest – and smartest – hours and take advantage of the current system better than everyone else should take home the biggest piece of the pie.

I agree with all of that. But don’t try to then tell me that these folks are about job creation or primarily about trying to do a public good or must be paid $50 million in a year because they are just that darn indispensable – because they are not. You can’t say wit

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Posted on Wednesday, 18th January 2012 by Archie Norton

Q: I’m afraid that if I were to loose my hard drive completely, I wouldn’t be able to find and load all the programs I use. I’d like to know what service to purchase so that my backup includes a “mirror image” of my hard drive?

A: Online Backup services work hard to save all of your important files, making sure that you will never lose them permanently. In the event of a data loss catastrophe such as a computer crash, these services will help you restore all of your files with ease.

Though all of the online backup services we review keep your files safe and can restore everything back to normal, we  recommend the Carbonite HomePlus plan and HomePremier plan if you specifically want a “mirror image” taken of your hard drive. This feature creates a mirror image of your PC every 24 hours, which includes your operating system, settings, programs, files, and folders as of a specific date.  Th

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Tags: Drive, Hard Drive
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Posted on Tuesday, 17th January 2012 by Archie Norton

By the AllClearID Team

Jamie here, Chief Investigator at AllClear ID. Recently, I had the opportunity to speak at the Jump$tart National Educator Conference in Washington, DC. Jump$tart is a national organization “dedicated to improving the financial literacy of pre-kindergarten through college-age youth by providing advocacy, research, standards, and educational resources.”

In the presentation I discussed our research on Child Identity Theft alongside the FTC who issued some tips on limiting the risks of Identity Theft. These pointers revolved around sharing information with an entity you likely regard as safe: your child’s school. Here’s an overview of the FTC’s tips:

• Contact the school: Find out who has access to your child’s personal information, and ensure that the records are stored safely.
• Think twice before filling out forms with personal information: Before you fill forms out consider how the information will be used, whether or not it will be shared, and who will have access. Then decide

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Posted on Saturday, 14th January 2012 by Nate Sawers

Gold slipped slightly yesterday as investors became nervous about the upcoming summit meeting in Europe.

MIAMI, FL – Suggestions that there may actually be a feasible plan this time have had a calming effect on the market, making gold less necessary as a safe haven. However, we have surely lost count of the number of meetings held between German Chancellor Merkel, French President Sarkozy and their fellow leaders, with the aim of coming up with a suitable plan to fix the region’s problems. We have yet to see a definitive plan. Chancellor Merkel wants stricter measures to enforce austerity measures and make it impossible for countries to get themselves into such debt in the future. At the same time, she remains adamant that she does not give consideration to the idea of euro bonds.

“It is a little strange that the financial markets are all waiting with bated breath for the outcome of Friday’s meeting,” says Bill Hionas of Pan American Metals of Miami. “There

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Tags: Miami
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Posted on Monday, 9th January 2012 by Archie Norton

When it comes to data breaches, how does 2011 compare with previous years? A new report from the Privacy Rights Clearinghouse (PRC) notes 535 breaches during 2011, involving 30.4 million sensitive records. But thats just a conservative estimate, since not all data breaches see the light of day. Because many states do not require companies to report data breaches to a central clearinghouse, data breaches occur that we never hear about, said PRC director Beth Givens in the report.

Even so, 2011 saw some of the biggest or most significant breaches in history, PRC says:

1. Sony. Sony suffered over a dozen data breaches, stemming from attacks that compromised Sony PlayStation Network, Sony Online Entertainment, and Sony Pictures, among other Sony-owned websites.

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Tags: 2011, Data Breaches
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Posted on Monday, 9th January 2012 by Nate Sawers

There’s no better time to take a good hard look at your portfolio than the beginning of a new year.

I know this may not be your first rodeo and chances are you’ve already done at least a little thinking about how your investments came through 2011, and what you’d like to achieve in 2012.

If not, there’s no time like the present.

Especially when it comes to something I call “Ditching the Dogs,” which is a variant of the well-known and very popular “Dogs of the Dow.” You’ve probably already guessed from the name that I’m talking about unloading those investments that have underperformed, or which are likely to hold my portfolio back in the next twelve months.

Obviously this is a highly personal process and every investor is different, but here are five stocks I’d avoid like the plague right now (and the reasons why):

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