Thursday, January 10, 2013

Laptop Theft - Analysis


* A laptop is stolen every 53 seconds in the USA - Symantec
* Over 600,000 laptops are stolen each year in the USA - Safeware Insurance Agency
* 97% of these laptops are never recovered - FBI
* The second most common crime, just after identity theft, is laptop theft - FBI
* Lost or stolen laptops are the top culprit of data leaks/breaches, accounting for 45% (of all the incidents studied) - The Identity Theft Resource Center
* Laptops are the number-one item stolen in San Francisco - San Francisco Police Department

The Fear of Theft

As laptops become more common, the laptop theft rate is also rising at an alarming pace. Laptops are a favorite item among thieves due to the ease in which they can be transported and resold.
* Portability and complacency make laptops an easy steal - Montreal Mirror, October 5, 2006
* Laptops have legs. You need to keep them chained (even at home) - Safety tip from a personal blog

Where Laptops are Stolen - Locations

Nowadays people take their laptops with them everywhere. In addition to work, school and travel, the proliferation of wireless internet hot zones have people bringing laptops out in the street, using them in public cafes.
* Police say normally quiet cafes are becoming hunting grounds for laptop bandits - San Francisco Chronicle, April 8, 2006
* "Where else do you have a thousand-dollar item sitting on a table in a coffee shop?" - San Francisco Chronicle, April 8, 2006
* University campuses are turning out to be a crook's best friend. Jacques Lachance, a security investigator at Concordia University, estimates that one laptop a week is stolen at the University. - Montreal Mirror, October 5, 2006
* Thieves are also making a killing stealing laptops from cars. According to the Montreal Police Service, 3,928 portable computers were stolen from vehicles last year, up from 2,870 reported thefts the year before. "Sometimes students will lock their laptop in their car but it's still visible," Lachance says. "Or they'll think it's secure in the trunk, but people watch them go to their car, and later they'll just break through the trunk." - Montreal Mirror, October 5, 2006
* Many airports are full of professional thieves who make a living from stealing laptops and selling the content of the hard drive to the highest bidder. - Traveling Light, The Entourage Help Page


Once your laptop is stolen, the likelihood of recovering anything from your loss is quite slim. Losing your laptop is devastating and quite costly when you consider the priceless photos, files and personal information you have stored, in addition to the expensive hardware.
* There is nothing that can prepare you for the feeling of loss and the dread that comes with knowing that your personal data is gone forever. While it is very inconvenient and can be very expensive to replace the laptop itself, NOTHING can replace the hours of hard work that is stored on your computer. - The UK Web Design Company
* "Three months after I lost my laptop and started rebuilding my files, I still have only one third of my data recovered," says Ms. Gilbert. "It will be at least six months before I will reach full productivity, and I'll never have everything back". She lost sleep and spent countless anxious weeks worrying about client information and how she was going to stay on top of her projects. "I never want to go through it again," says Gilbert. - Lessons in Data Loss: A Case Study, Data Deposit Box
* For personal computer users there are mp3 playlists, emails, personal photo albums, and other important files. For the professional computer user, the stakes are higher...perhaps it's the accounting data for your company's 3rd quarter earnings, the PowerPoint presentation you will be giving to the CEO on Thursday afternoon, or the proposal that needs to be sent to the European office A.S.A.P. There are some real horror stories about the financial impact to a corporation of having its entire five-year marketing plan stolen along with someone's laptop. - The UK Web Design Company
* Dr Chetan Ruprai, 28, a specialist registrar in the maternity ward at York Hospital, is desperate to get her laptop back. The machine contains three years worth of painstaking medical research which cannot be replaced and is vital to her career. "This is very distressing and I will do anything to get it back" she said. - The Press, January 27, 2007
* I was out the cost of the laptop plus I had to redo 3 websites I built. Backups were stolen too. The theft of my laptop cost me thousands. - Personal blog post
* Of course I filed a police report, but I've already said goodbye to years and years worth of memories. Photos, videos, documents... some (very few) of which were backed up but most are now in the hands of a thief. - Personal blog post

Besides storing all your invaluable data, laptops also serve as an extremely important work, communication and entertainment tool. In our computer dependent society, it's not surprising that victims of laptop theft often feel an immense sense of loss and anguish.
* Losing a laptop is a traumatic experience... I know it was a total disaster for me. All my email was gone, my photos from the Russia/Ukraine holiday, the new OKS features I wrote on the plane coming here, and so on. Of course, I was left without my slides for my meeting the next day, and with no laptop to conduct my course Wednesday-Friday. - Personal blog post
* After my laptop was stolen, I definitely had a good cry. There's a feeling of depression perhaps and certainly futility. I miss the first computer that was truly mine. I liked that laptop! I'm missing my pictures and notes. I'm missing the Mac software I had figured out how to use. Without a computer, I can't send email or blog. I can't watch videos. Having my laptop stolen affected my lifestyle, my community, my mental and emotional wellbeing. I was mad that my family and I had to pay the price for someone else's actions with both time and money... - Personal blog post
* You can steal my car, my money, my shoes, I don't really care, but don't steal my damn laptop! - Personal blog post
* Oh I had insurance. Insurance doesn't cover weeks of modeling time done on my laptop, or a sketchbook nearly filled with drawings or notes. So as all the other architecture students are looking forward to a break from the studio, a time to spend with family at the dinner table enjoying Thanksgiving and in front of the TV enjoying football and beer, I look forward to 100 hours in front of a drafting table and a laptop borrowed from the school, drafting and CADing to my hearts content. Why me? Why now? What did I do to deserve this? - Personal blog post
* I'm a graduate Professional Writing student at USC. I write fiction, nonfiction and screenplays. As a result of the theft of my laptop, I lost some pieces I had written, I had to buy a new laptop, and I was pained emotionally because of the incident. I felt, and still feel very wronged, and taken. It makes me sick to know someone has my laptop with my personal files. - Personal blog post
* It was like you cut off my arm. I had my whole life on my laptop. Two novels, years of photos, work files, and more. Since I'm a full-time volunteer these days, I have no money to buy a new computer. - Personal blog post
* As I slept, someone entered the house and stole my laptop, backpack, wallet, cell phone, and iPod. All while I slept. My life revolves around that laptop and the loss is monumental to me. - Personal blog post
* Fortunately, whoever entered my abode and took my possessions didn't kill or maim me. But the loss of my LIFE, which was entirely wrapped up in that laptop, is almost too much for me to bear. All day I've been making phone calls, leaning on good friends for support, and changing what passcodes I can in an attempt to thwart the upcoming identity theft, or whatever else the thief decides to do with my personal information. - Personal blog post

Small businesses might have the most to lose when a laptop goes missing. The loss of vital data such as client information, accounting records or business plans could all spell disaster for a small business.

* The day my laptop was stolen almost killed my business. The laptop can be replaced. However the loss of critical DATA was the biggest risk my business has ever faced. - The UK Web Design Company
* Users today store more mission-critical data than ever before, so a lost laptop is a huge issue for a small business owner. In total, 7 out of 10 small businesses go bankrupt within a year of experiencing a major data loss. - Lessons in Data Loss: A Case Study, Data Deposit Box

As seen in the news recently, even large companies such as Boeing and Fidelity are not immune to theft. Both have had laptops stolen from employees that contained very critical data pertaining to hundreds of thousands of people, putting these innocent victims at risk for identity theft, credit card fraud and a slew of other dangers.
* "2006: The Year of the Stolen Laptop" - Forbes, September 7, 2006
* Boeing disclosed that files containing Social Security numbers, names and home addresses of 382,000 current and former employees were compromised when an unencrypted laptop was stolen from an employee's car. - MSNBC, December 13, 2006
* The University of California, Berkeley, is warning more than 98,000 people that the theft of a laptop from its graduate school admissions office has exposed their personal information. Files on the laptop contained names, dates of birth, addresses and Social Security numbers of 98,369 graduate students or graduate-school applicants. The files go back three decades in some cases. - CNN, March 28, 2005
* Financial services giant Fidelity Investments confirmed that a laptop containing the personal information of almost 200,000 Hewlett-Packard employees was stolen from its property. - CNN, March 23, 2006
* Georgia-based Emory Healthcare reports that a laptop containing information on 38,000 of its patients was stolen. The missing laptop contained information on patients who had been treated for cancer at Emory Hospital, Emory Crawford Long Hospital, and Grady Memorial Hospital. The data included names, addresses and Social Security numbers.
The theft of patients' medical records is a growing concern, particularly as these records can be used to engage in "medical identity theft". Thieves can use stolen identities not only to obtain credit and loans, but to get expensive medical procedures that they might not have otherwise been able to afford, running up thousands in debt in the process.
Patients who have been hit with medical identity theft can find their insurance premiums skyrocketing, and can face large medical bills for procedures they never had. -, January 8, 2006

Without a doubt laptop theft is a real concern, but you can minimise the risk by using one of the secure laptop bags with built-in anti-theft features that are available from Pacsafe. They have models available for both men and women, if you are concerned about the risk of your laptop being stolen then take a look at the MetroSafe 300 Secure Laptop Case.

Monday, January 7, 2013

Choosing a Share Class

Many investors, particularly those proficient on the internet, tend to lean toward no load companies when choosing mutual funds.

But if you do choose to use an investment advisor, you are asked to choose between A, B or C shares for each mutual fund that you buy. Knowing the best choice can be difficult.

A shares typically charge a large upfront load which can be as much as 5.75% which is discounted for large trades depending on the size. The management fee on these tend to be relatively small compared to B and C shares.

B shares charge no up front load but will charge a fee if you sell out of the fund family within a specified time. Typically the charge is 5% in the first year and declines each year until it disappears in the 6th year. To make up the foregone A share fee, B shares charge a larger management fee similar to C shares. After the fund company has charged that higher fee for enough time to recoup their fee, the fund company will usually convert these shares to A shares in order to reduce your cost.

C shares charge no up front load and will only charge you 1% if you sell in the first year. Of course, because they make less money, the management fee is typically double that of A shares.

So which class is the cheapest? The answer depends on how much you invest and how long you stay invested in the fund.

For small purchases of say ,000 or less, the difference between B shares on A shares is minimal and truly comes down to weather or not you want to pay the fees up front.

Also, for small amounts, because you are not paying that large fee upfront, C shares usually cheaper in the first 7 years. After 7 years, the A shares will be cheaper.

However, because A shares are the only share class to offer a discount for large purchases, big investments of 0,000 or more in A shares may become cheaper than C shares in only a year or two.

Conventional wisdom is that A shares are right for more investors because mutual funds are considered long-term investments and over the long term, they are cheaper.

However, this wisdom puts no value on flexibility. For any financial plan, this is a mistake.

If you put money into an A share or a B share and pay the large up front fee or large back end fee, that money is gone forever. If you change your mind in the next few years, or have an emergency and have to pull your money out of the fund company for any reason, you made a mistake in not choosing C shares.

Most investors are not purchasing large amounts of mutual funds. For small purchases C shares are often the best choice because they offer the investor the most flexibility in making future changes.

Remember that despite best intensions, the average investor holds a mutual fund for 7 years. So for the average small investor, the cost is almost the same no matter which share you choose. So why give up the flexibility of C shares?

In addition, if you choose C shares and remain in the fund for more than 7 years, it will probably be because you are sufficiently please with the results, that you don't mind paying a little more.

On the other hand, if you buy an A share and realize in the first few years that you have made a mistake, you are way behind where you would have been with C shares.

Of course, the larger the purchase, the more likely A shares will be a better choice because the bigger the discount, the shorter the time for A shares to become less expensive.

No matter what choice you make, be sure to evaluate your financial goals when choosing a share class. Choosing a good manager is the most important part of choosing a mutual fund. The choice of share class is minor in comparison. By understanding the differences in choices, you will be prepared to choose the right class for you.

Friday, January 4, 2013

$1000 Provable Income Cash Advances: Should You Take The Opportunity?

Many finance firms are wiling to offer a sum of 00 to those in need, provided the beneficiary has a provable source of income and agrees to repay the amount as per the firm's outlined repayment schedule. However, needless to say that you would end up repaying more than you acquire from the cash advance firm. This is because the cash advance firm is likely to charge an interest on such credit lending.

Getting hold of a 00 cash advance won't be a cinch by any means. You would have to carry out a preliminary research of reputable cash advance firms willing to lend 00. Though it's easy to find cash advance of around 0 to 0, you might have to shop around a bit in order to bag 00. It is recommended to keep several options open during your quest for a cash advance. This way, if one cash advance firm leaves you high and dry, you could easily switch to another.

Sums of 00 and below are considered trifling amounts by bigger loan firms' standards. Therefore, it is highly unlikely to acquire a 00 loan from a loan firm. However, cash advance firms are a viable option for people in urgent need of around 00. Cash advance firms would gladly approve your application, provided you have a provable income source. But, cash advance companies normally charge a higher rate of interest relative to bigger loan firms.

All in all, cash advance is a nice and quick way to acquire that much needed cash in a jiffy. But since the rate of interest is on the higher side, it's best to take up a loan from a loan firm, if possible. In general, you should turn to a cash advance firm only when you have no other means of acquiring cash.

Wednesday, January 2, 2013

Online Finance Assignment Help- Infrastructure Bond

Infrastructure Bonds

A bond could be a style of security accessible in debt marketplace for investors to take a position their cash in multiple entities like organization, state government, central government etc. Whenever a government or a corporation problems some bond they collect the cash and invest it for his or her more development or enlargement. Whosoever problems a bond can promise the investors to come the cash and can pay the interest on it. From an investor prospective the bonds are like securities having a hard and fast income on it. They are going to get the interest in each outlined time (usually its half-dozen months) and can go back to their principal whenever the bond is matured. Even the issuer of bond will open a get back choices or will list the bonds in stock market as a security when a specific lock-in amount. This selection offers an investor an opportunity to book the profit.

The bond issued for infrastructure purpose is thought as infrastructure bonds. The tenure for such reasonably bonds are sometimes ten to fifteen years. They are majorly issued for developing the infrastructure during a country and today are quite common round the world. Principally infrastructure bonds are issued by government and therefore the cash collected from it's used inside the country itself. The govt can use this cash to develop roads, rural development, Electricity purpose etc. It's the responsibility of the issuer of bond to pay the outlined interest and pay the total quantity at the time of maturity. The govt in numerous countries offers special tax profit to those who invest their cash in infrastructure bond. India is one amongst the samples of that. An honest come and therefore the tax edges makes infrastructure bond an awfully lucrative choices to take position cash.

This content is specifically developed as an assignment help for college students of numerous graduate and post graduate level courses of finance management. For more discussion speak to our live chat operator. We tend to assure that you just can get best expertise in assignment help.