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The internet has revolutionized business all around the globe. Almost every competent new or existing business wishes to exploit the incredible potential of the internet, and the first step is to have a web site designed done and maintained by a professional web site design service or build and maintain it yourself. One of the first things to consider is your computer ability. If you despise computers and software and find them confusing and frustrating then building your own website can be quite a task. One that you may not want to undertake. However, if you enjoy working with computers and learning new things or if you just have the patience to stick with it, then building a website is within your grasp. You may also decide to do it yourself to save cost. If you still feel that you want to build your own site you should choose software that is easy to use and user friendly.

Your website should be as unique as you and your business. You should select the website that is specialized in what will meet all your needs, both now and in the future. Custom based websites are for those who already have a website but are looking for those special finishing touches that quality custom graphics can provide. Designer graphics can make your website stand out above the rest and a custom website specializes in taking your original graphic or photo and turning it into a unique work of art. Quality graphics make an incredible difference in the visual appeal of your website.

Actual site "content" continues to be essential to the success of a website. More often than not though, visual appeal is the determining factor as to whether or not a client or customer will remain on a website long enough, to actually see the product or service the business is providing. Custom websites are for those who don’t have the time to design or create, but want to get things mush better and fast with a nice graphics.

Web site builders are online tools which anyone can use to build a professional looking Web site without programming and have it hosted instantly. No software to buy, no code to learn, all you need is to be a little Internet savvy and know how to click your mouse.

Most business owners today know that having a web site is an essential component of marketing. In the past, the choices were to hire a professional web designer, hire a local teenager to create a site for mall money, or learn to do it yourself. The last two options, are the least expensive, and were the preferred method for small businesses. The results are often not what businesses need to grow, reach, and impress new potential customers, however. They seem good at the start but quickly become limiting.

If you operate or manage a business, you surely must realize the increase in e-commerce taking place today. Many businesses find themselves searching for the best way to increase their exposure on the internet, and for most a website is the first course of action. As most businesses operate on firm budgets, finding cost effective solutions are usually one of the first thoughts when looking to make new purchases. When it comes to creating a website there are many affordable software programs that can produce professional results. Business software should be capable of handling your needs today and in the future. Business are always changing, adding new products, changing or removing old products, offering specials, having sales, etc. By choosing a business website builder over a professional web designer you will be able to make changes to your website whenever you want to. Another benefit is that you will be avoiding the high costs associated with developing the website and costs for making any necessary changes.

Website Builder tools advantages to you are increased revenue, cost control, caters to the large demand existing for web designing in the SME sector and can increase the client base without adding to your overhead. The advantage that your customers gets is a professional quality website, up and running in minutes and a User friendly and easily customizable interfaces that gives a complete website with all its frills and features and a nice attractive design. The downside is that you are limited to the look and functions of the tool and the templates or designs they provide.

On of the advantage of a custom website design is that the web site will look and function exactly as you want. A custom made web site can promote your brand and increase sales. The functionality and design of your website is important, because the images and text on the screen can make an indifferent visitor turn into a keen client, and the goal is to optimize your site to evolve maximum traffic conversion.

As more and more people are starting their own small home business many are finding that having a website is an important factor to consider. When one starts to consider building a website, especially the novice, many questions arise including…. can I create a website myself or should I hire a professional?

Hiring a professional is a great way to go if you can afford it. Although there are several things to keep in mind: how much will it cost? How much will ongoing maintenance cost? What will changes cost? How long will changes take? etc. As a result, many people opt to build their own website and begin searching for software that can easily help them.

As you start searching for an easy web site builder, there are some factors that you should take into consideration so that your new software will serve you now and the future.

There is quite a variety of easy web site building software and content management(CMS) based websites on the market today. In addition, some of the software available today is very expensive, geared more for the professional web designer, and come with a huge learning curve.

The options for small businesses to get a site developed have changed from the past. There are now sophisticated "site builder" tools available to small business owners, bundled with many web hosting packages. By using templates, and a content management system to manage updates to the site, it became easier to set up and maintain a web site, and many development companies have canned this functionality, for a fee. Hosting providers are increasingly offering tools to automate the web site building process, and with good reason. This new option has many benefits, as long as the business owner recognizes that there are trade offs and limitations to getting a web site this way. Some of the downsides are…the design is limited to their predefined templates. The functionality is limited to the tool. Also, in most website builder tools it is hard to perform search engine optimization, which is essential for a site to be found in the major search engines.

One of the biggest attractions for site building tools is the cost. It won't necessarily cost less to get your site this way, but it does provide a way to spread the cost over time. The cost for a custom website varies as per the feature and function it carries with itself.

Many people are concerned with building their own website, fearing boring designs and complexity. However, it is now becoming apparent that there are many custom web site builder software products on the market that promise dynamic layouts, professional templates, and user friendly web design tools. The professional web designers know there are a few more things to know, but sometimes they find some irony in the fact that web developers, in their quest to improve and better the web, have made themselves "optional". Most site building tools today are very robust, making it simple to add forms, searching, maps, guest books, calendars, and a whole variety of elements to a web site. Even better, the hosting company sometimes offers an entire suite of services - the site builder, email marketing, search engine optimization and statistics, all in one package along with the hosting.

There is also a possibility that the service will require you to keep some branding on the site telling people that you used their website designs and tools. This is more common with the free site builders - which pay for themselves by putting ads on your site. If your goal is to build a business web site, it's really not worth sacrificing your professional image by getting something free, which screams CHEAP.

Low quality websites sometimes attempt to sell expensive products or services. These websites cannot succeed. Studies reveals people spend more time on a well designed web page than on a low quality web page. There is a comparative relationship between the amount of time that an average visitor will spend on a web page and the amount of time that was spent building the web page.

Websites are an important aspect of online businesses. They are the first face of interaction between the user and the business. The website creates the first impression on the user and hence needs to be effective and impressive too. It is the job of web design services to make the website user friendly and search engine friendly too, so that it can serve the purpose of both effectively.

A tool can make things happen - but if you don't know what to make happen, it is either a useless tool or a dangerous one. There is a learning curve in knowing how to present information online (called information architecture in the profession), as well as for using the site builder. In other word, the fuller featured the tool; the more there is to learn. If you aren't familiar with color theory, use of typography, information architecture, navigation and interface design, and page layout and design, you can potentially make something that will hurt your business more than help it. So, unless you are already computer and web savvy, figuring out all the features within your web hosting and site builder package can be time consuming and frustrating.

In the end there are ways that a business can take advantage of these new options and still create a functional and professional web site. One way is simply take your time and research the available website templates, and find the one that has the most features and flexibility, that meet your functional requirements. In other words, spend the time to learn the things a seasoned pro would bring to the table. The internet is a massive library of "how to" information, where you can literally teach yourself anything - and with enough time spent, you could potentially learn how to layout information, what colors and fonts work well together, how to conduct your marketing online and optimize the site for search engines. The second is choosing the best suitable custom website design company and work with them to build a professional website that meets your needs get your imaginations carried and make business a greta success.

About HostChart.com

HostChart, a Web Hosting Company Resource, is a leading web hosting directory website that has been in business for over 5 years. They provide numerous web hosting articles and tutorials as well as news, interviews, and reviews. You can use their extensive set of tools to research and evaluate your current or future web hosts. HostChart is a Property of Advantage1 Web Services, which also operates ResellerConnection.com, a a href="Reseller" class="hft-urls">http://www.resellerconnection.com">Reseller Web Hosting Resource, HostingKnowledge.net, and FoundHost.com, a a href="Budget" class="hft-urls">http://www.foundhost.com">Budget Hosting Resource. read more...

For children, play is naturally enjoyable. And since it is their active engagement in things that interest them, play should be child-led, or at least child-inspired, for it to remain relevant and meaningful to them. Children at play are happily lost in themselves; they are in their own realm of wonder, exploration, and adventure, pulling parents in at times with a frequent “Let’s play, mom!” as an open invitation into that world.

As early as infancy, children immerse themselves in play activities with the purpose of making sense of the world around them. Play gives children the opportunity to learn and experience things themselves, which is vital for their development. Although peek-a-boo games seem pointless to adults, tots are awed by the surprise that awaits them as they see the suddenly emerging faces of people they love.

(Stages of Play)

During toddlerhood, children experience a motor-growth spurt that equips them to solitarily fiddle with anything they can get their hands on – be it a construction toy or the box from where it came.

Toddlers also love breaking into song, wiggling and jiggling to tunes, and imitating finger plays they are commonly exposed to.

Preschoolers begin extending their play to involve others, whether they bring others in at any stage of their game or they plan their game and its players’ way ahead. Their physical and motor skills allow them to widen their lay arena, from dramatic play to table games to outdoor pursuits.

School-age children start appreciating organized play – such as innovated songs and rhymes, games with rules, relays and other physical activities, sports and projects that they can accomplish over a certain time frame.

Play Perks:

Why the big fuss about playing? Play benefits the child in ways that might be a tad difficult for adults to imagine.

1. Play brings pure and utter joy.

A toddler who jumps into an empty box and runs around the house ‘driving a car’ shows the sheer happiness that play brings him or her. When children are asked what they did in school and they answer ‘play,’ it is a clear sign that these kids remember a feeling of genuine joy that is captured in this four-letter word.

2. Play fosters socio-emotional learning.

What does a ten-month-old baby who shrieks at the sight of her stuffed toy have in common with a ten-year-old boy who plays basketball with his friends? They both deal with their confidence as they choose to embark on their play activities. At the same time, they are displaying their independence in the decisions that they make. These two children are also internalizing social rules in their respective play situations: the baby waits patiently for her stuffed toy to appear, while the school-age child has to contend with an impending loss in a ball game.

3. Play hones physical and motor development.

Play often involves the use of the senses, the body, and the extremities. When children play, they exercise their bodies for physical strength, fluidity of movement, balance and coordination.

Perceptual-motor ability, or the capacity to coordinate what you perceive with how you move, is an essential skill that preschoolers need to develop. A three-year-old who is engrossed in digging, scooping, and pouring sand into a container must match his or her perception of the space in front of him or her with actual hand movements, so that he or she can successfully fulfill the motor activity.

4. Play facilitates cognitive learning.

Play is vital to the intellectual development of a child. We live in a symbolic world in which people need to decode words, actions, and numbers.

For young children, symbols do not naturally mean anything because they are just arbitrary representations of actual objects. The role of play is for the child to understand better cognitive concepts in ways that are enjoyable, real, concrete, and meaningful to them. For instance, through play, a child is able to comprehend that the equation 3 + 2 = 5 means ‘putting together’ his toy cars by lining them up in his makeshift parking lot. When he combines 2 triangles to make a square during block play, or writes down his score is a bowling game, the child is displaying what he knows about shapes and numbers.

Through play, the child is constructing his or her worldview by constantly working and reworking his understanding of concepts.

5. Play enhances language development.

Toddlers who are still grappling with words need to be immersed in oral language so they can imitate what they hear. They benefit from songs and rhymes that provide the basis for understanding how language works.

When these tots are playing with toys, adults model to them how language is used to label objects or describe an event. At play, preschoolers use language to interact, communicate ideas, and likewise learn from dialogues with more mature members of society.

6. Play encourages creativity.

Barney the dinosaur was right about using imagination to make things happen. A lump of Play-Doh suddenly turns into spaghetti with meat sauce and cheese; a small towel transforms into a cape that completes a superhero’s wardrobe; and a tin can serves as a drum that accompanies an aspiring rock artist. Play opens an entire avenue for children to express themselves, show what they know and how they feel, and to create their own masterpieces.

7. Play provides bonding opportunities.

Play is an important factor in child development. It provides for interaction, experimentation, and moral development. Here are some ways by which parents can encourage and support their children’s playtime.

- Let your child be the player-leader. Let children initiate their activity, set their own theme, choose the parameters where the play will take place. Play becomes a venue for children to express their feelings and be in control.

- Help them help themselves. When your 5-year-old asks for help, say, figuring out how to piece a puzzle together, stop yourself from coming to her rescue and first ask your child questions that allow him or her to help himself or herself. Say, “Where do you think this piece should go?” Afterward, commend his or her success.

- Play attention. Once you make a commitment to play with your child, watch for the following signals: Does he or she want you to actively play a part in the activity? Does he or she need encouragement? Is he or she tired or hungry? Does he or she need to take a break?

- Have a play plan. If you seem to have little time for playing with your child, consider using self-care chores to have fun with him or her. Also, get support from other people in your household, like older siblings, household help, or the child’s grandparents, so that they understand why play is important and how they should continue to encourage it. read more...

The stock market is in a tumult. Actually, it has been for about a year, ever since the subprime fiasco (anyone take a look at Moody's performance over the past year?) Now that that particular issue has been beaten to death, other mortgage related issues are cropping up. Most of the stuff covered in the media is financial in nature, but some of those mortgage related issues do concern information security.

It's no secret that there are plenty of companies in the US that discard sensitive documents by dumping them unceremoniously: leave it by the curb, drive it to a dumpster, heave it over the walls of abandoned property, and other assorted mind boggling insecure practices. In fact, MSNBC has an article on this issue, and names numerous bankrupt mortgage companies whose borrowers' records were found in dumpsters and recycling centers. The information on those documents include credit card numbers and SSNs, as well as addresses, names, and other information needed to secure a mortgage.

Since the companies have filed for bankruptcy and are no more, the potential victims involved have no legal recourse, and are left to fend for themselves. In a way, it makes sense that companies that have filed for bankruptcy are behaving this way. (Not that I'm saying this is proper procedure.) For starters, if a company does wrong, one goes after the company; however, the company has filed for bankruptcy, it is no more, so there's no one to "go after." In light of the company status, this means that the actual person remaining behind to dispose of things, be they desks or credit applications, can opt to do whatever he feels like. He could shred the applications. He could dump them nearby. He could walk away and let the building's owner take care of them. What does he care? It's not as if he's gonna get fired.

Also, proper disposal requires either time, money, or both. A bankrupt company doesn't have money. It may have time, assuming people are going to stick around, but chances are their shredder has been seized by creditors. People are not going to stick around to shred things by hand, literally.

Aren't there any laws regulating this? Apparently, such issues are covered by FACTA, the Fair and Accurate Credit Transactions Act, and although its guidelines require that "businesses to dispose of sensitive financial documents in a way that protects against 'unauthorized access to or use of the information'" [msnbc.com], it stops short of requiring the physical destruction of data. I'm not a lawyer, but perhaps there's enough leeway in the language for one to go around dropping sensitive documents in dumpsters?

Like I mentioned before, inappropriate disposal of sensitive documents has been going on forever; I'm pretty sure this has been a problem since the very first mortgage was issued. My personal belief is that most companies would act responsibly and try to properly dispose of such information. But, this may prove to be a point of concern as well because of widespread misconceptions of what it means to protect data against unauthorized access.

What happens if a company that files for bankruptcy decides to sell their company computers to pay off creditors? Most people would delete the information found in the computer, and that's that-end of story. Except, it's not. When files are deleted, the actual data still resides in the hard disks; it's just that the computer's operating system doesn't have a way to find the information anymore. Indeed, this is how retail data restoration applications such as Norton are able to recover accidentally deleted files.

Some may be aware of this and decide to format the entire computer before sending it off to the new owners. The problem with this approach is the same as deleting files: data recovery is a cinch with the right software. Some of them retail for $30 or less-as in free. So, the sensitive data that's supposed to be deleted can be recovered, if not easily, at least cheaply-perhaps by people with criminal interests.

Am I being paranoid? I don't think so. I've been tracking fraud for years now, and I can't help but conclude that the criminal underworld has plenty of people looking to be niche operators, not to mention that there are infinitesimal ways of defrauding people (look up "salad oil" and "American Express," for an example). An identification theft ring looking to collect sensitive information from bankrupt mortgage dealers wouldn't surprise me, especially in an environment where such companies are dropping left and right.

The economics behind it make sense as well. A used computer will retail anywhere from $100 to $500. The information in it, if not wiped correctly, will average many times more even if you factor in the purchase of data recovery software. Criminals have different ways of capitalizing on personal data, ranging from selling the information outright to engaging in something with better returns.

Is there a better way to protect oneself? Whole disk encryption is a way to ensure that such problems do not occur: One can just reformat the encrypted drive itself to install a new OS; the original data remains encrypted, so there's no way to extract the data. Plus, the added benefit is that the data is protected in the event that a computer gets lost or stolen. However, commonsense dictates that encryption is something ongoing concerns sign up for, not businesses about to go bankrupt. My guess is that sooner or later we'll find instances of data breaches originating from equipment being traced back to bankrupt mortgage dealers.

The stock market is in a tumult. Actually, it has been for about a year, ever since the subprime fiasco (anyone take a look at Moody's performance over the past year?) Now that that particular issue has been beaten to death, other mortgagerelated issues are cropping up. Most of the stuff covered in the media is financial in nature, but some of those mortgagerelated issues do concern information security.

It's no secret that there are plenty of companies in the US that discard sensitive documents by dumping them unceremoniously: leave it by the curb, drive it to a dumpster, heave it over the walls of abandoned property, and other assorted mindboggling insecure practices. In fact, MSNBC has an article on this issue, and names numerous bankrupt mortgage companies whose borrowers' records were found in dumpsters and recycling centers. The information on those documents include credit card numbers and SSNs, as well as addresses, names, and other information needed to secure a mortgage.

Since the companies have filed for bankruptcy and are no more, the potential victims involved have no legal recourse, and are left to fend for themselves. In a way, it makes sense that companies that have filed for bankruptcy are behaving this way. (Not that I'm saying this is proper procedure.) For starters, if a company does wrong, one goes after the company; however, the company has filed for bankruptcy, it is no more, so there's no one to "go after." In light of the company status, this means that the actual person remaining behind to dispose of things, be they desks or credit applications, can opt to do whatever he feels like. He could shred the applications. He could dump them nearby. He could walk away and let the building's owner take care of them. What does he care? It's not as if he's gonna get fired.

Also, proper disposal requires either time, money, or both. A bankrupt company doesn't have money. It may have time, assuming people are going to stick around, but chances are their shredder has been seized by creditors. People are not going to stick around to shred things by hand, literally.

Aren't there any laws regulating this? Apparently, such issues are covered by FACTA, the Fair and Accurate Credit Transactions Act, and although its guidelines require that "businesses to dispose of sensitive financial documents in a way that protects against 'unauthorized access to or use of the information'" [msnbc.com], it stops short of requiring the physical destruction of data. I'm not a lawyer, but perhaps there's enough leeway in the language for one to go around dropping sensitive documents in dumpsters?

Like I mentioned before, inappropriate disposal of sensitive documents has been going on forever; I'm pretty sure this has been a problem since the very first mortgage was issued. My personal belief is that most companies would act responsibly and try to properly dispose of such information. But, this may prove to be a point of concern as well because of widespread misconceptions of what it means to protect data against unauthorized access.

What happens if a company that files for bankruptcy decides to sell their company computers to pay off creditors? Most people would delete the information found in the computer, and that's that-end of story. Except, it's not. When files are deleted, the actual data still resides in the hard disks; it's just that the computer's operating system doesn't have a way to find the information anymore. Indeed, this is how retail data restoration applications such as Norton are able to recover accidentally deleted files.

Some may be aware of this and decide to format the entire computer before sending it off to the new owners. The problem with this approach is the same as deleting files: data recovery is a cinch with the right software. Some of them retail for $30 or less-as in free. So, the sensitive data that's supposed to be deleted can be recovered, if not easily, at least cheaply-perhaps by people with criminal interests.

Am I being paranoid? I don't think so. I've been tracking fraud for years now, and I can't help but conclude that the criminal underworld has plenty of people looking to be niche operators, not to mention that there are infinitesimal ways of defrauding people (look up "salad oil" and "American Express," for an example). An identification theft ring looking to collect sensitive information from bankrupt mortgage dealers wouldn't surprise me, especially in an environment where such companies are dropping left and right.

The economics behind it make sense as well. A used computer will retail anywhere from $100 to $500. The information in it, if not wiped correctly, will average many times more even if you factor in the purchase of data recovery software. Criminals have different ways of capitalizing on personal data, ranging from selling the information outright to engaging in something with better returns.

Is there a better way to protect oneself? Whole disk encryption is a way to ensure that such problems do not occur: One can just reformat the encrypted drive itself to install a new OS; the original data remains encrypted, so there's no way to extract the data. Plus, the added benefit is that the data is protected in the event that a computer gets lost or stolen. However, commonsense dictates that encryption is something ongoing concerns sign up for, not businesses about to go bankrupt. My guess is that sooner or later we'll find instances of data breaches originating from equipment being traced back to bankrupt mortgage dealers. read more...

The stock market is in a tumult. Actually, it has been for about a year, ever since the subprime fiasco (anyone take a look at Moody's performance over the past year?) Now that that particular issue has been beaten to death, other mortgage related issues are cropping up. Most of the stuff covered in the media is financial in nature, but some of those mortgage related issues do concern information security.

It's no secret that there are plenty of companies in the US that discard sensitive documents by dumping them unceremoniously: leave it by the curb, drive it to a dumpster, heave it over the walls of abandoned property, and other assorted mind boggling insecure practices. In fact, MSNBC has an article on this issue, and names numerous bankrupt mortgage companies whose borrowers' records were found in dumpsters and recycling centers. The information on those documents include credit card numbers and SSNs, as well as addresses, names, and other information needed to secure a mortgage.

Since the companies have filed for bankruptcy and are no more, the potential victims involved have no legal recourse, and are left to fend for themselves. In a way, it makes sense that companies that have filed for bankruptcy are behaving this way. (Not that I'm saying this is proper procedure.) For starters, if a company does wrong, one goes after the company; however, the company has filed for bankruptcy, it is no more, so there's no one to "go after." In light of the company status, this means that the actual person remaining behind to dispose of things, be they desks or credit applications, can opt to do whatever he feels like. He could shred the applications. He could dump them nearby. He could walk away and let the building's owner take care of them. What does he care? It's not as if he's gonna get fired.

Also, proper disposal requires either time, money, or both. A bankrupt company doesn't have money. It may have time, assuming people are going to stick around, but chances are their shredder has been seized by creditors. People are not going to stick around to shred things by hand, literally.

Aren't there any laws regulating this? Apparently, such issues are covered by FACTA, the Fair and Accurate Credit Transactions Act, and although its guidelines require that "businesses to dispose of sensitive financial documents in a way that protects against 'unauthorized access to or use of the information'" [msnbc.com], it stops short of requiring the physical destruction of data. I'm not a lawyer, but perhaps there's enough leeway in the language for one to go around dropping sensitive documents in dumpsters?

Like I mentioned before, inappropriate disposal of sensitive documents has been going on forever; I'm pretty sure this has been a problem since the very first mortgage was issued. My personal belief is that most companies would act responsibly and try to properly dispose of such information. But, this may prove to be a point of concern as well because of widespread misconceptions of what it means to protect data against unauthorized access.

What happens if a company that files for bankruptcy decides to sell their company computers to pay off creditors? Most people would delete the information found in the computer, and that's that-end of story. Except, it's not. When files are deleted, the actual data still resides in the hard disks; it's just that the computer's operating system doesn't have a way to find the information anymore. Indeed, this is how retail data restoration applications such as Norton are able to recover accidentally deleted files.

Some may be aware of this and decide to format the entire computer before sending it off to the new owners. The problem with this approach is the same as deleting files: data recovery is a cinch with the right software. Some of them retail for $30 or less-as in free. So, the sensitive data that's supposed to be deleted can be recovered, if not easily, at least cheaply-perhaps by people with criminal interests.

Am I being paranoid? I don't think so. I've been tracking fraud for years now, and I can't help but conclude that the criminal underworld has plenty of people looking to be niche operators, not to mention that there are infinitesimal ways of defrauding people (look up "salad oil" and "American Express," for an example). An identification theft ring looking to collect sensitive information from bankrupt mortgage dealers wouldn't surprise me, especially in an environment where such companies are dropping left and right.

The economics behind it make sense as well. A used computer will retail anywhere from $100 to $500. The information in it, if not wiped correctly, will average many times more even if you factor in the purchase of data recovery software. Criminals have different ways of capitalizing on personal data, ranging from selling the information outright to engaging in something with better returns.

Is there a better way to protect oneself? Whole disk encryption is a way to ensure that such problems do not occur: One can just reformat the encrypted drive itself to install a new OS; the original data remains encrypted, so there's no way to extract the data. Plus, the added benefit is that the data is protected in the event that a computer gets lost or stolen. However, commonsense dictates that encryption is something ongoing concerns sign up for, not businesses about to go bankrupt. My guess is that sooner or later we'll find instances of data breaches originating from equipment being traced back to bankrupt mortgage dealers.

The stock market is in a tumult. Actually, it has been for about a year, ever since the subprime fiasco (anyone take a look at Moody's performance over the past year?) Now that that particular issue has been beaten to death, other mortgagerelated issues are cropping up. Most of the stuff covered in the media is financial in nature, but some of those mortgagerelated issues do concern information security.

It's no secret that there are plenty of companies in the US that discard sensitive documents by dumping them unceremoniously: leave it by the curb, drive it to a dumpster, heave it over the walls of abandoned property, and other assorted mindboggling insecure practices. In fact, MSNBC has an article on this issue, and names numerous bankrupt mortgage companies whose borrowers' records were found in dumpsters and recycling centers. The information on those documents include credit card numbers and SSNs, as well as addresses, names, and other information needed to secure a mortgage.

Since the companies have filed for bankruptcy and are no more, the potential victims involved have no legal recourse, and are left to fend for themselves. In a way, it makes sense that companies that have filed for bankruptcy are behaving this way. (Not that I'm saying this is proper procedure.) For starters, if a company does wrong, one goes after the company; however, the company has filed for bankruptcy, it is no more, so there's no one to "go after." In light of the company status, this means that the actual person remaining behind to dispose of things, be they desks or credit applications, can opt to do whatever he feels like. He could shred the applications. He could dump them nearby. He could walk away and let the building's owner take care of them. What does he care? It's not as if he's gonna get fired.

Also, proper disposal requires either time, money, or both. A bankrupt company doesn't have money. It may have time, assuming people are going to stick around, but chances are their shredder has been seized by creditors. People are not going to stick around to shred things by hand, literally.

Aren't there any laws regulating this? Apparently, such issues are covered by FACTA, the Fair and Accurate Credit Transactions Act, and although its guidelines require that "businesses to dispose of sensitive financial documents in a way that protects against 'unauthorized access to or use of the information'" [msnbc.com], it stops short of requiring the physical destruction of data. I'm not a lawyer, but perhaps there's enough leeway in the language for one to go around dropping sensitive documents in dumpsters?

Like I mentioned before, inappropriate disposal of sensitive documents has been going on forever; I'm pretty sure this has been a problem since the very first mortgage was issued. My personal belief is that most companies would act responsibly and try to properly dispose of such information. But, this may prove to be a point of concern as well because of widespread misconceptions of what it means to protect data against unauthorized access.

What happens if a company that files for bankruptcy decides to sell their company computers to pay off creditors? Most people would delete the information found in the computer, and that's that-end of story. Except, it's not. When files are deleted, the actual data still resides in the hard disks; it's just that the computer's operating system doesn't have a way to find the information anymore. Indeed, this is how retail data restoration applications such as Norton are able to recover accidentally deleted files.

Some may be aware of this and decide to format the entire computer before sending it off to the new owners. The problem with this approach is the same as deleting files: data recovery is a cinch with the right software. Some of them retail for $30 or less-as in free. So, the sensitive data that's supposed to be deleted can be recovered, if not easily, at least cheaply-perhaps by people with criminal interests.

Am I being paranoid? I don't think so. I've been tracking fraud for years now, and I can't help but conclude that the criminal underworld has plenty of people looking to be niche operators, not to mention that there are infinitesimal ways of defrauding people (look up "salad oil" and "American Express," for an example). An identification theft ring looking to collect sensitive information from bankrupt mortgage dealers wouldn't surprise me, especially in an environment where such companies are dropping left and right.

The economics behind it make sense as well. A used computer will retail anywhere from $100 to $500. The information in it, if not wiped correctly, will average many times more even if you factor in the purchase of data recovery software. Criminals have different ways of capitalizing on personal data, ranging from selling the information outright to engaging in something with better returns.

Is there a better way to protect oneself? Whole disk encryption is a way to ensure that such problems do not occur: One can just reformat the encrypted drive itself to install a new OS; the original data remains encrypted, so there's no way to extract the data. Plus, the added benefit is that the data is protected in the event that a computer gets lost or stolen. However, commonsense dictates that encryption is something ongoing concerns sign up for, not businesses about to go bankrupt. My guess is that sooner or later we'll find instances of data breaches originating from equipment being traced back to bankrupt mortgage dealers. read more...

Online fraud can take many forms from non-delivery of goods to non-return of damaged
goods. In many cases, online fraud can be deterred by following a few simple practices.
Just as consumers should take obvious measures to protect themselves in brick-and-mortar
stores – not leaving a purse in an unguarded shopping cart, protecting their PIN (personal
identification number) at checkout, not carrying large amounts of cash in their wallets –
online shoppers should consider sensible precautions, as well.
1. Learn as much as possible about the product and seller: Shoppers will feel more
secure and confident if they are familiar with the merchants from whom they’re buying.
The Internet offers the platform for retailers to provide information about their
companies and histories while the buyers are empowered to do their research about
the products and companies. Shoppers might also learn about a retailer from its
reputation, from previous purchases, from referrals through friends or from reviews
and comments by other shoppers found online.
2. Understand the retailers’ refund policies: Look for and ask about what the refund
policies are. Questions to ask include: the required timeframe a buyer must contact
the retailers and return the items, if a full refund will be offered or a merchandise
credit, and if an item that has been opened can be returned. For retailers without
refund policies, consumers can use buyer protection programs from either the site or
through the payment method. This ensures that if there is a problem with a transaction,
the payment will be covered or refunded as a result of the protection guarantee.
3. Choose a secure password to protect account information: Many people use passwords
for online stores that could be guessed, like their birthday, Social Security
Number or a family member’s name. Instead, a password should contain a
combination of upper and lower case letters and numbers and symbols that no
one else will know.
4. Use a secure checkout and payment process: Many Web sites use a technology
called Secure Sockets Layer (SSL) to encrypt the personal and financial information
sent over the Internet. To know if the retailer is offering a safe checkout process, look
for the logos from companies like VeriSign or TrustE logo. A browser will also display
the icon of a locked padlock at the bottom of the screen to indicate encryption.
When it comes to choosing which method to use when paying online, consumers
should take precautions when entering credit card or checking account information
at each online retailer they visit. By entering this on several different merchant Web
sites, the likelihood of this information being compromised increases. A safe and
easy-to-use payment service allows shoppers to enter account information only once
at a highly secure and reputable site that protects this financial information from
merchants and other intruders. Future purchases should be made from that one
account to avoid the need to enter credit card information separately into the Web
sites of individual retailers.
5. If an offer sounds highly suspicious or too good to be true, it probably is: As with
any purchase, shoppers should read the fine print (or, in some instances, click the
links describing the purchase agreement). While Internet shops frequently offer lower
prices than brick-and-mortar stores, shoppers should be wary of unreasonably low
bargain prices or unusually attractive promises. read more...