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Anonymous Hit Vatican Websites

bmc-elo@bmc-elo.hosted.jivesoftware.com — Tue, 13 Mar 2012 04:02:07 GMT

The hacker group Anonymous claims they took down several websites run by the Catholic Church. In an statement reported by the AFP, Anonymous said, "Anonymous decided today to besiege your site in response to the doctrine, to the liturgies, to the absurd and anachronistic concepts that your for-profit organization spreads around the world. This attack is not against the Christian religion or the faithful around the world but against the corrupt Roman Apostolic Church."

The hack occurred on www.vatican.va and other sites, PC Mag reported, as well as the site of its newspaper.The Herald Sun reports that Anonymous tried to attack the Vatican website last year but failed. This attack comes just days after the FBI charged four alleged leaders of the hacker group LulzSec and an alleged member ofAnonymous. Through Twitter, Anonymous said they attacked the Vatican “Forthe pure, simple lulz, no other reason.” The group also said they are stronger than ever and that, “ #Anonymous Is an idea, not a group. There is no leader, there is no head. It will survive, before, during, and after this time,” @AnonOps wrote on Twitter, News.com.au reported.

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You ought to be feeling a small relieved about now

bmc-elo@bmc-elo.hosted.jivesoftware.com — Fri, 06 Apr 2012 07:30:03 GMT

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A person who has to buy many pair of shoes has to look for the price as well. There is a great variety of shoes that includes cheap shoes also. These shoes can be worn on casual occasions or at the places where he does not want his costly pair to get spoiled. If you want to buy cheap shoes-buy them online is one statement that is always helpful in getting you good shoes at very low price. World's biggest shopping mall called internet has something to offer to everyone and there are hundreds of website on internet that are selling cheap shoes.There are many advantages of buying shoes over internet.- The biggest advantage is that all designs and colors of the shoes can be browsed in few minutes over the internet.- The second best advantage of online shopping is that you can save much of your time as you don't need to move through the traffic, parking the car and then roaming around the shops to choose the best shoes.- When you visit the local markets or traditional shops for the cheap shoes then you will have to put lot of effort to find such shops or outlets.

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Majority of these shoes are in best condition but still you must check them well before paying for the pair. When you type cheap shoes-buy them online in your search engine you will be amazed to find that there are hundreds sites that are selling cheap shoes. Make it sure about the reliability of the website before making any deal.

Bank transfers mostly happened on any day but Bank Transfer Day

bmc-elo@bmc-elo.hosted.jivesoftware.com — Tue, 21 Feb 2012 04:12:56 GMT

Several months ago, an internet campaign for “Bank Transfer Day” started, which aimed to convince people to switch their banks. The event itself was not extremely productive, but it is approximated that over 1 million people switched banks after Bank Transfer Day. Resource for this article: Bank Transfer Day accounted for few bank transfers last year

Nov bank transfers

Last year, many people were displeased with the fees being charged by large retail banks. The $5 monthly debit card fee at Bank of America was singled out as one of the most egregious examples. In response, a large number of people started switching banks and an internet campaign for a “Bank Transfer Day” began.The novel “V for Vendetta” made Guy Fawkes the symbol for both the Anonymous “hacktivist” group and the “Occupy” protests. Nov 5 honors him, which is why Nov 5 was the day everyone was intended to in and switch from large banks to community banks or credit unions.Granted, the actual Fawkes was trying to install a Catholic theocracy in England via terrorism and November 5, 2011, was a Saturday, when most banks are closed. Though it got massive press, only about 610,000 people, according to Daily Finance, switched on Bank Transfer Day.

People transferred all through fall

Though the Bank Transfer Day itself was not incredibly remarkable, given that over 210 million people have accounts in the United States, the last three months of 2011 were. A recently released study by Javelin Strategy and Research found, according to the Los Angeles Times, that an estimated 5.6 million people switched banks between the start of Oct and the end of December.Business Insider explained that about 11 percent of bank switchers really did it on Bank Transfer Day. The 22-year-old female who started the Facebook Bank Transfer Day Campaign should be proud to boast those numbers.Overdrafts and other bank fees can be avoided with personal loansAbout 26 percent of the people who switched said in the survey that they just did it because of the fees and it had nothing to do with the campaign.

Many large banks took a hitDuring all the demonstrations, Bank of America did end up canceling the debit card fees. Bank of America, although it was considered the prime target for the campaign, only showed a 20 percent increase in account closings during the last quarter of 2011. Almost all the other large banks showed the same number, which means people left big banks at a uniform rate.

SourcesDaily FinanceLos Angeles TimesReuters

Tax cons will be around so you should be cautious ahead of filing

bmc-elo@bmc-elo.hosted.jivesoftware.com — Thu, 26 Jan 2012 05:30:52 GMT

Filing draws near so you should be careful of tax consIt is tax season, as millions of people will be getting W2s soon and filing their income tax returns. However, customers have to be diligent about who they entrust their returns with. There are plenty of tax scams out there waiting to claim the unwitting as targets. Resource for this article: Watch out for tax scams as filing ap-proaches

If there is free money, it may be a scam

From 2005 to 2009, there was a huge increase in the number of grievances of identity theft linked to scams that involved income tax returns. In 2009, there were 33,774 cons reported, as reported by the IRS. That is a 300 percent increase from 2005. Individuals are effortlessly scammed around tax season with the phrase “free money from the IRS” used quite often. It is the simplest way for some-one to steal your identity.

Might hurt you even more

The Internal Revenue Service is quite good at figuring out when the returns are cons. In fact, the IRS shut down 117,000 income tax returns that had stolen identities by Could of 2011, according to Tampa Bay Online. That means it stopped $582 million in refunds from being stolen. In 2008, the Internal Revenue Service convicted 124 people and gave 142 indictments of the 214 tax preparer fraud investigations that were done. The only problem with all of this is that individuals are responsible for the info that is presented on their returns, according to MSNBC. That means that even if a fraudster is caught and convicted, an individual who was scammed could still end up paying a ton of money in fees to the IRS.

Hallmarks of a scam

There are many things you can watch for to make sure you are not being scammed when doing your tax return. The IRS is only allowed to contact consumers with postal mail, so do not listen to anything said in a call, text or email. You also should avoid any promises from preparers, according to the Consumerist. Steer clear of specific dollar amount promises, because it is impossible to find out what the number will be until after doing a tax return.

Claiming a lot

Be wary of preparers offering a free return, particularly regarding e-filing. According to the Internal Revenue Service, individuals are eligible for free e-filing if they make $57,000 or less. The IRS has a list of preferred tax preparation providers on its website, which contains trusted preparation software and providers like TurboTax and H&R Block.Consumers should also, according to Washington Post, watch out for everyone offering obscure arguments about why everyone would not owe income taxes. Loopholes in the Constitution, off-shore tax havens, etc., are generally defeated in the court-room, and the taxpayer will be on the hook for penalties plus interest.

SourcesDaily FinanceMSNBCWashington PostConsumerist: http://consumerist.com/2010/01/how-to-avoid-tax-preparation-scams.htmlTampa Bay Online: http://www2.tbo.com/news/breaking-news/2011/may/08/MENEWSO3-irs-postal-service-target-tax-refund-frau-ar-205805/IRS e-filing page: http://www.irs.gov/efile/

Administration announces plan to help ease student loan problem

bmc-elo@bmc-elo.hosted.jivesoftware.com — Mon, 09 Jan 2012 10:09:28 GMT

Student loans have become the top source of debt for Americans. Recently, that problem belonged to credit cards. Wednesday the Obama administration announced a brand new strategy to help ease that load. The initiative is one of several moves the president is making to boost the economy without the support of Congressional Republicans. Article source: Administration announces plan to ease student loan burden

Goal is change

Education Secretary Arne Duncan discussed the initiative with reporters on Tues:

“These are real savings that will help graduates get started in their careers. These changes could make a big difference in the lives of current college students and recent graduates as they enter one of toughest job markets in recent memory.”

Borrowers will be allowed to combine loans into one monthly payment including federally guaranteed student loans and direct loans. The initiative also makes it so student loan payments are capped at 10 percent of income. It is a drop from the 15 percent that already existed. Also, any unpaid portion of the loan, interest or principle, will be forgiven after 20 years. That term used to be longer. It was at 25 years.

Starts strategy next year

In January, the program will officially begin. The “Pay As You Earn” policy was signed last year into law and will be accelerated. The original law wasn’t intended to go into impact for another few years. The date was in 2014.This move started due to a petition on the White House website. This “We the People” website began a response. The petition, asking the White House to forgive student loans, was signed by more than 30,000 Americans. This is the first time a petition has warranted a response from the administration to the “We The People” section, which is new to the website.

'We cannot wait'

With this move, the administration is attempting to handle the down-turned economy. Congress doesn’t need to approve if it is an executive order. A statement was made by the White House. It said:

"The announcement is part of a series of executive actions to put Americans back to work and strengthen the economy, because we can't wait for congressional Republicans to act."

The $447 billion American Jobs Act that Obama is hoping to pass is still being blocked. The president announced this week that he also plans on requiring military veterans to be employed by community health centers and starting a program to help homeowners with large mortgage debt.

Considering the strategy a little bit more

But the brand new strategy will not benefit every student loan borrower who could use it. The only people that can use the plan are people who borrowed in or after the year of 2008. Further, to be eligible, consumers also need to take out a brand new loan in 2012. With the initiative, people who already have difficulties won’t be helped. They just have to deal with it.

Working class individuals do not have to pay

the new program won't change anything for working class individuals, according to Domestic Policy Council Director Melody Barnes. The administration has a plan to pay for the loans by encouraging consumers. This Direct Loan program should encourage several. The federal government gets both loans’ interest instead of one with the program.You need to call 1-800-4FEDAID or go to www.studentaid.ed.gov in case you are interested.

Articles cited

New York Times Daily Finance Washington Post

United States Department of Agriculture getting to the loan guarantee business

bmc-elo@bmc-elo.hosted.jivesoftware.com — Mon, 21 Feb 2011 05:09:06 GMT

Though delays continue to plague the process, the United States Department of Agriculture is set to offer loan guarantees for four different biofuels projects. These short term loan guarantees are intended to help jump-start United States biofuels. A new legislature may cut financing from the USDA. The Department of Energy is also fighting against these loan guarantees. If they end up at risk these businesses could be seeking personal financing in other areas. Source of article - USDA getting into the loan guarantee business by MoneyBlogNewz.

United States Department of Agriculture loan guarantees

The United States DOA is expected to offer four short-term loan guarantees to biofuel projects. The loan guarantees could be conditional while being called "section 9003 program". As proof the United States Department of Agriculture can create jobs, the 9003 program is being pushed a ton by USDA secretary Tom Vilsack. Biofuel firms in states like Texas would be able to do better with their companies with these guarantees.

Biofuel is where emergency funds are going

Though the USDA is trying to fund new biofuels projects with the section 9003 emergency funding, it is not yet certain. There may not be enough cash to guarantee all four loans though according to the Office of Management and Spending budget. The funding bills going through congress currently have the USDA guarantee program in them. The Department of Energy hopes to get them taken out. The Omnibus spending bill was definitely heading to have it at first. However, the financing was cut out of that budget.

What a USDA loan guarantee means

The USDA's loan guarantee program seeks to offer $10 in loan guarantees for each $1 of financing within the coffers. Should the four firms that are set to receive these loan guarantees default, the United States Department of Agriculture can be on the hook to paying back these loans. In a few weeks, republicans could be in control of Congress once again. There's a good chance they will make an effort to pull funding from any program like this. Several hundred jobs will no longer be created if this happens. This is because traditional banks and other lending sources probably will not be willing to fund the biofuels projects.

Citations

BioFuels Digest

biofuelsdigest.com/bdigest/2010/12/30/the-true-brew-answers-to-your-biofuels-fact-or-fiction-questions/

Your spending budget may be busted at the drugstore

bmc-elo@bmc-elo.hosted.jivesoftware.com — Fri, 09 Dec 2011 10:17:39 GMT

Your spending budget may be busted at the drugstoreLocal drugstores are sometimes the only source of goods in the community. Shopping at these shops could be a real budget-killer. I read this here: Drugstore shopping could be costing your budget

Looking at pricesConsumer

World looked at the cost of groceries. They were taken from drug shops and supermarkets and were compared. Dependent upon the location, a can of Maxwell House coffee could cost anywhere between $2.99 and $6.99. At a grocery store, $68.55 to $83.56 is enough to get a full market basket of goods. At a pharmacy, the price was between $98.12 and $107.96. This shows probably the most costly supermarket is still less costly than the cheapest pharmacy. Non-food items generally run between $.50 and $1 more per item in drugstores.

Paying for ease

The only reason why drugstores and pharmacies can charge so much cash for their goods is because they are more convenient to buy. The ease of a drugstore is comparable to the convenience of a gasoline station. It is very simple to run in, grab some things and run out without any issues. Generally, these stores are also paying for the ease. They have higher rent payments. These stores also use their status as the source for prescriptions as a way to bring consumers in.

Extra cash in your wallet

Though drugstores are a more expensive place to buy groceries, there are ways to save cash by buying at a pharmacy. Every week, a “loss-leader” item is offered at a pharmacy typically. To be able to get more people in the store, many corporations will sell items at a loss, which is where the term loss leader comes from. Milk and eggs will be loss leaders. They're usually someplace on the list. Many times, drugstores will make prices more like what retail supermarkets are charged. The best bet for your budget is to take the extra time and effort to shop at a grocery store instead of a drugstore.

Articles cited

MSNBCDaily FinanceConsumer World (PDF)

Japanese inventors launch robot bear that could curb snoring

bmc-elo@bmc-elo.hosted.jivesoftware.com — Mon, 21 Nov 2011 08:03:14 GMT

Scientists from Waseda University recently released an invention at the International Robot Exhibition that may help curb loud snoring. A robotic bear, which is used as a pillow, called Jukusui-Kun or “Deep Sleep,” softly urges snorers to turn over while they are resting. Here is the proof: Japanese inventors release robot bear that could curb snoring

Covering up systemIn Tokyo, there is the International Robot Exhibition held twice a year. This is where robotic masterpieces could be shown off. Jukusi Kun, or “Deep Sleep” in Japanese, was developed by researchers from the Kabe Lab at Waseda University, as reported by Gizmodo. It is a robot-ic bear. It is intended to help any person that struggles with resting. There is white on the polar bear device. It looks like it is a polar bear. The user utilizes the bear’s stomach as a cushion.Arriving with a microphoneThe bear is equipped with a microphone, according to the Daily Mail. A sensor pad is discovered with the system and put under the sheets with a heart rate and blood-oxygen level sensor on the hand. The hand monitor resembles a fluffy polar bear cub.The user ends up tossing and turning until they stop snoring. This is because the bear will tickle the user’s head every time it senses a heart rate abnormality, dip in blood-oxygen level or loud snoring. It’s unknown if or when it will go on sale or, as the Daily Mail observes, if it is “more effective than one’s partner shoving the person across the duvet.”It isn’t just annoying to the userAs reported by WebMD, loud snoring is “mostly a nuisance for the bed partner of the person who snores.” An estimated 45 percent of United States adults snore occasionally and an estimated 25 percent of adults are chronic snorers. The chronic snorers could want to be a little bit concerned. It can indicate a sleep apnea problem.

The brain is struggling to trigger regular breathing during sleep because the airway is being obstructed, which is what sleep apnea is. While sleeping, the person will stop breathing for little amounts of time making it hard to sleep. It needs to be treated. If it isn’t, it can trigger diabetes, stroke or heart attack.Sleep deprivation causes individuals to get in car crashes more often too, as reported by ABC. Sleep apnea patients are three to five times more likely to be involved in a crash with significant injury involved and twice as likely to be in a vehicle crash at all.Each year, 40,000 injuries and 1,550 deaths are caused by drowsy driving. The National Highway Traffic Safety Administration explains that it causes 100,000 crashes a year typically.

Citations

Daily Mail: http://www.dailymail.co.uk/sciencetech/article-2061846/Japan-finds-unique-cure-snoring-A-robotic-bear-turns-you-sleep.htmlGizmodo: http://gizmodo.com/5858974/robot-polar-bear-is-gentler-than-your-spouse-tickles-you-when-you-start-to-snoreWebMD: http://www.webmd.com/sleep-disorders/snoringABC: http://abcnews.go.com/Health/Healthday/story?id=4507182&page=1#.TsK-vGWP-_0WebMD: http://www.webmd.com/sleep-disorders/sleep-apnea/sleep-apneaNHTSA: http://stnw.nhtsa.gov/people/injury/drowsy_driving1/human/drows_driving/

Thrift store vs. brand new

bmc-elo@bmc-elo.hosted.jivesoftware.com — Thu, 04 Aug 2011 08:04:24 GMT

TagThe downturn in the economy has made pre-owned shoppers out of several of us. If a product is just as useful used as it is brand new, it's wise to purchase it used. But not all discounts are discounts. But due to protection or effectiveness, several things have to be purchased new. But how do we know where to draw that line? We should try to figure out which things are really worth the personal installment loan to buy new.

Almost never need to buy a brand new movie

When it comes to DVDs, CDs, video games and books, it is almost never significant to buy them brand new. If you wait a few months to get mass media second hand, it is almost always cheaper between rental outlets, internet downloads, thrift stores and auction sites. Lots of the time, it could be found free as well. This could be done at the public library. The only real exception to this would be for gifts. A gift should be something somebody wants but would not purchase for him or herself -- at least not new. And unless it's a valuable antique or collectible, second hand gifts are not the best way to say "I care."

All about a new baby

Several would blanch at not getting the best for their new family addition. But baby furniture and clothing are items which have a relatively short period of usefulness, as infants easily grow into toddlers. Get something that is gently second hand for much cheaper rather than spending cash on something you won't use. When it comes to health and protection, there is an exception. Car seats should be bought new, as your baby's life may depend on it. The same goes for mattresses. Parasites such as bed bugs can be carried by mattresses.

The aged clothing to wear

Much of our social identity is determined by what we wear. The way we dress is very significant. Dependent upon a person's lifestyle, this can be a gray area often times. There are many vintage clothing stores though. It makes it easier when attempting to get a deal too. Large savings could be had by simply getting all casual clothing for around the house used.

Second hand jewelry can be a steal

Entrepreneur Lynn Truong writes that, "Depreciation hits hard when you make an effort to sell second hand jewelry, but as a buyer you can take advantage of the markdown to conserve a bundle." Try to go to estate sales and pawn shops. That is where the best jewelry will be found.

Getting around

Cars depreciate the second they leave the showroom. Sellers occasionally just want to get a car off their hands. It can help bargain shoppers quite a bit. You can conserve a lot of money purchase simply getting a quality used car. Every person has a different standard for a car. We will and will not accept different ways of driving. The smell of a new car is something only a few individuals feel like they need. Everybody else can just conserve money by getting a used car. Just make sure to have a mechanic have a look at what you are purchasing first.

Citations

Daily Finance

- dailyfinance.com/2011/07/29/8-things-to-buy-secondhand-and-when-to-buy-new/

Get Rich Slowly

- getrichslowly.org/blog/2010/07/06/what-should-you-buy-used-what-should-you-buy-new/

MSN

- articles.moneycentral.msn.com/SavingandDebt/FindDealsOnline/weston-10-things-you-should-never-buy-used.aspx

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