Mortgage Loan Origination Software – 10 Functions of Mortgage Banking

Regardless of a mortgage lending organizations’ size, mortgage loan software, data security solutions and automation tools and services should be able to assist with mortgage loan automation requirements. In today’s chaotic mortgage lending environment origination and document security systems need to be easily configured to emphasize a company’s special needs and increase efficiencies across all aspects of the loan origination process, allowing lenders to increase quality and productivity.

Technology-driven automation is the key to succeeding in the increasingly complex, deeply scrutinized mortgage industry. Web-based (Software-as-a-Service), Enterprise mortgage software that supports the ten primary functions in mortgage banking will provide lenders with the necessary competitive advantages to succeed in today’s mortgage industry.

Ten Primary Functions in Mortgage Banking

  1. Mortgage Web site design, implementation, and hosting to provide product, service, loan status, and company information to mortgage customers and business partners
  2. Online loan applications for gathering information from borrowers and business partners that issue loan terms, disclosures, and underwriting conditions
  3. Loan origination software for managing loan data, borrower data, property data, general status reporting, and calculations
  4. Interface systems to send and receive data from real estate service providers, such as credit reports, flood determinations, automated underwriting, fraud detection, and closing documents
  5. Internal automated underwriting system that is simple enough for originators and sophisticated enough for underwriting portfolio loan products
  6. Document generation for applications, upfront disclosures, business processes, and closing documents
  7. Integrated imaging that is used from loan origination to investor delivery and for file archiving
  8. Interest rate and fee generation along with program qualification guidelines
  9. Secondary marketing data tools to track loan revenue and investor relationships, including warehouse line management and interim servicing to complete the back-office system
  10. Reporting such as loan delivery, year-end fee reporting, and HMDA reporting for loan application disposition

Web-Based, enterprise mortgage software that supports the ten primary functions of mortgage banking simplifies compliance, maximizes operational efficiencies, and increases profitability.

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Surviving Missing Futon Frame Hardware Nightmares

There seems to be quite a few of us who have owned a futon frame and ended up losing the connecting hardware at one time or another. I myself bought a futon from the retail store I worked in for a number of years back in the early 1990s when futons were all the rage. Maybe you purchased your futon in college, purchased it from a friend or maybe made the purchase for a family room. If you're lucky to live out your life in the same house or apartment there will never be a need to move your futon except except to a different room or location. Obtaining replacement futon frame hardware involves several steps approached in order to locate exactly what you need.

In the first place do not panic just yet. Without the hardware to attach everything back together you're in some serious trouble. However there are ways to obtain what you need. At this point we could explain the many benefits of using a small bag to contain the hardware and attach it to a part of the frame with heavy packing tape so it's easily found. Who am I kidding though? I've moved mine now about three times and each time I ended up missing a bolt, a barrel nut, a nylon roller here and there. Heck, I was lucky I had all the wood components show up at each new move let alone any hardware that happened to make it as well. Besides, is not moving your home stressful enough without having to keep track of a small bag of metal hardware among a sea of ​​furniture, clothing, dishes, toys and appliances?

Pursuing this further we must calmly step back and think for a moment. Yes, we're stressed out and fuming at either our spouse or the moving company for losing the futon hardware but we need to move past that now. To be sure the futon needs our help and we're the only ones who can do it at this point. It's time for us to go through the steps of obtaining replacement hardware and there is a specific order in which we do this to obtain the fastest results. I would suggest the following steps to start tracking down replacement hardware as soon as possible.

First – identify your futon frame.
Having worked retail, it's quite possibly the toughest situation when a customer comes into the store requiring assistance but can not identify the product to the salesperson or service individual when requesting parts. Granted you're going to have to do a little research by pulling your receipt when you bought the futon from the store and identify the model or name of the futon. If you inherited the futon, found it by the side of the road or bought it at a garage sale you're in for a tough road ahead. Fear not however as the internet can be used to help you find the design and attach a name to it for use in tracking down hardware. Be aware that there are dozens of manufacturers out there using different hardware in their frames including many that have since closed their doors. Hopefully the manufacturer of your frame is still around.

Second – speak to the retailer.
Of course if you purchased your futon frame through a local retail store it's time to head down there and see if they can track down the hardware for your frame. Bring your receipt. If you do not have a receipt, then bring an image of the futon frame with you. Hopefully the salesperson or service representative is knowledgeable about the products that they've carried in the past. Best case scenario, they either can provide you with the name of the manufacturer with contact information or have the parts on hand to get you back up and running. Worst case scenario the store you purchased it is out of business or if the store is still around they have no clue about the product anymore.

Third – search online.
Supposing we've hit the worse case scenario it's time to use the web to search for the manufacturer or the name of the style of futon you have. I'd suggest using Google, Bing or Yahoo and use the name adding the word futon to the search. If you were not able to locate a name you're going to have to become a very good spotter and sift through the many images of futon frames till you find one that is very close to what you have. Identify the name of the style and the manufacturer and then proceed to locate the manufacturer of the futon frame.

Fourth – speak to the manufacturer.
Assuming the retailer did not have parts but could identify the manufacturer for you then at least have something to go on. Perhaps you were able to locate your frame style through the search engines. Again, search online using the websites previously discussed using the name of the manufacturer. You'll likely get some online retail stores off of the search. Filter them out visually until you find a link for the manufacturer. Most do have websites, locate a contact phone number or email address and contact them for information on obtaining hardware. If you're unable to locate the manufacturer's website go ahead and contact one of the many futon stores that pop-up in the search results and email them with your issue and ask if they can either sell you hardware or point you in the right direction For finding the manufacturer in hopes of tracking down hardware.

Finally – the last resort.
If you were unable to determine the name of the futon frame or the name of the manufacturer you are indeed in a tight spot. At this point your options are limited to heading down to a hardware store and seeing if you can locate some generic parts that might get you back up and running. The problem will be in the way of connecting bolts and barrel nuts and getting the right lengths if available. I would suggest taking one of the wood arms and a stretcher rail with you to the store. Begin plugging in different bolts and nuts till you find a combination that connects correctly. You'll also need to track down connecting pins, washers and clips for the seat and back section as well as the four nylon rollers that most futon frames use on the back rest. If you're lucky these may still be attached to the backrest deck making your job a bit easier.

In conclusion we've discussed the issues presented with lost futon hardware and how to go about tracking down the hardware you need. Basically identify your frame through a receipt or spotting it online. Visit the retailer store you purchased it from and obtain parts through them if they are still open. If you purchased it privately or inherited the frame track down the manufacturer using a search engine of your choice and speak to them about ordering replacements. If you are not able to locate the manufacturer but have found stores online contact one of them to see if they can sell you hardware. If all else fails visit the local hardware store with your wood futon sections in hand and begin trying bolts and nuts till you find some that work. I sincerely hope you're able to obtain the needed hardware to get your futon frame back up and running. I wish you the best of luck to you and your futon.

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How Useful is CAD Software to Engineers and Architects?

The emergence of advanced technology has made people today dependent on machines. Using computers and software, for example, is a very common illustration of this. Computer experts are coming up with more and more software to make more and more jobs easier.

A more specific illustration of this can be found in the modern approach towards engineering and architecture. These days, professionals in these fields use CAD computer software which is a program that allows them to create designs faster, easier and with more accurate measurements. Aside from the convenience that CAD software brings, it also helps put architects and engineers ahead of their competitors. CAD, which can render designs that are two-dimensional or three dimensional, stands for Computer Aided Design and has been in use since 1982.

So how does CAD computer software work? And what does it do exactly to help engineers and architects? The program is actually multifaceted in the sense that there are many ways it can help. To make CAD work will require, however, a careful study of its features and the many ways it can be used. It is rather a complex yet flexible and highly functional program.

This article will not be enough to discuss the various ways that CAD works but pinpointing its advantages could give some very good ideas. One great advantage of CAD computer software is its easy-to-use tools in the creation and alteration of designs. Obviously, this is so much better than the old fashioned way of using a pencil and eraser directly on paper. This method of designing is obviously so much easier and engineers and architects simply have more time to finish other tasks. In other words, high productivity is going to be the main end result of using CAD.

Before the design is actually printed on paper, CAD also allows both the design professional and the client to preview what has been finished so far. Any alterations can be made simply by manipulating the drawing through the use of the software. With CAD, it is so much easier to spot errors because the designs can be rendered exactly as they would be in reality. Hence, modifications can be done even before printing, thus, allowing one to save.

With the tough competition that everyone has to face these days, it is wise to take advantage of new technologies that can help put them ahead in the race. While traditional methods hold a significant part in the history of design, advanced tools such as CAD software should only be welcomed as man’s way of furthering development in a field of expertise that he himself has created long ago.

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10 Top Reasons Why I Have to Upgrade My Computer

The rate at which technology is improving is very fast and in the time you get comfortable with the computer hardware you have bought, several new and improved models appear in the market. While some people prefer to keep their computers state of the art, most of us have a 'If it is not broken, do not fix it' attitude when it comes to upgrading or replacing our computers.

This is a strategy that could prove expensive in the long run. It is always better to upgrade your computer on a regular basis, especially if you have had it for over 2-3 years. Even if your computer has had a large trouble-free existence, you really need to consider periodic upgrades and here are the reasons why you must dos so:

1. Increase in Processing Speed ​​- This is one place where you really get to notice an improvement in performance. If you are upgrading from a Celeron 433MHz processor to a Pentium 4 1.6GHz, you would really notice the difference in performance!

2. Faster Memory Access – Improvements in CPU speed are typically accommodated by improvements in the speed at which data transfer occurs between the CPU and RAM. This is another area that provides an improvement in performance.

3. Size and Capacity improvements – Technology drives a reduction in component size coupled with an increase in storage capacity. This means that a RAM card or hard disk of the similar size as the older ones in your computer could have double the capacity!

4. Software Compatibility – Many of the new software packages you may wish to use in order to improve your productivity or entertainment experience may not function well on you old computer. It is better to upgrade your computer to enjoy the benefits of new software fully.

5. Obsolescence of Hardware – As your hardware gets older; Getting a replacement will get more difficult once manufacturers start phasing out the production. With improvement in technology, the older hardware becomes cheaper initially and becomes expensive as supply dries up.

6. Technical Support Issues – Many manufacturers stop providing technical support for older components as they cease production. The older your computer gets, the harder it is to find help in fixing it when it malfunctions.

7. Development of New Hardware – New hardware products appear in the market frequently that revolutionize your computer experience and are based on newly developed technology. The chances of your old computer supporting new devices are very low.

8. Faster Devices – Your old computer may not be in a position to accommodate the speed at which the new devices communicate.

9. New, Fast Communication Protocols – You may not be able to implement new or faster communication protocols in your old computer because the hardware is unable to support them.

10. Operating System and File Format – Your old hardware may not be able to run newer operating systems and some of the file formats may not be supported.

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Introduction to Fixed Asset Management

There are obvious benefits from implementing and maintaining a record and control over assets. Savings can be obtained from being able to both see current asset deployment and thenby maximizing their use. Monitoring assets will reduce unauthorized use or misappropriation and insure employees leaving a firm return assets under their control. In some cases a system is mandated by government regulations, terms of lending, public grant terms, insurance terms etc. One person can maintain and manage all fixed assets of a business if they have software to assist them. Computer systems and software available reduce complexity, save time and prevent mistakes. Why use an asset management software program?

While paper and pencil methods can be used, software programs assist in the recording, maintenance and auditing of assets. This saves time and gives a clear picture of assets since sorting and viewing in different ways is quick and easy.

The most basic 'solution' would be using a spreadsheet program such as excel. Even after migrating to software specifically designed for asset management there are times that a spreadsheet program may continue to be useful.

What is an Asset?

What you call an asset often depends upon your business activities. The first thing that comes to mind is fixed assets such as computers, production equipment, office furnishings etc. You might even wish to consider employees as assets or even service and maintenance contracts. A flexible asset management software program can provide a way to track many things most of us would not consider to be assets.

What are my first steps in setting up a system or 'solution'?

1: Decide what assets will be managed.

The more assets the more work in setting up your system. Limiting assets to only those over a certain dollar value is a good idea.

2: Deciding what characteristics of assets it is important to record within the software.

Your choices will not only have an effect upon the amount of work required but also the amount to which you can manipulate and view asset information by sorting on asset information field or combination of fields.

For example if you setup a field for 'location' then you can sort data to see what assets are in each location. If you also have a field for 'type' or 'class' then you could further sort and display to show only certain types of assets such as computers at one or more location.

As in every aspect of life one has to make tough choices between what is ideal and what is feasible. Your choices will have an effect upon data data when new assets arrive as well as collecting information about existing assets. Choices you make will also have a bearing upon your choice of software since some may not handle everything you want. One such a limitation is found within the AssetTrakker Pro software program. TrackitSoftware does not provide a method of tracking depreciation because it was felt this added too much complexity requiring the collecting and maintaining of a lot more data. Additionally, they felt, handling depreciation requires superior knowledge of government rules and regulations beyond the expertise of the very people that stand to benefit most from asset management. Accounting departments already calculate and account for depreciation. * Some software does promote depreciation calculation but only limited functionality that in most cases is not the way regulations demand.

Some help!

Below is a listing of Asset Attributes 'fields' for your consideration. You will not want to use all of them for your own 'solution' and may well have additional ones you need.

Asset #: The key identification reference used to track assets. They can be straight numbers or a number with an alphabet prefix. (0001 or A001). This number is used for audit purposes and for cross-reference.

Make: Manufacturer

Model: Use when arranging service or buying parts. Use as allowed grouping by model type.

Serial #: Specific asset identification. Needed when making warranty or insurance claims.

Cost to Repl .: Estimate the cost of replacing an asset. Useful for planning, risk assessment and insurance.

Cross Ref. #: Reference other asset number or tie together group of assets.

Type: Can be used for general grouping such as furniture, computer, shipping, etc.

Condition: Helpful to see what is likely to require replacement or decide on service needs.

Description: Other detail in addition to make, model, and serial number.

Memo: Additional information about the asset. If a computer you might want to list details of the hardware configuration or even the programs installed on it.

Department: This is helpful for sorting assets by department to assist in auditing.

Location: Good field to have so that a search / sort can give you a clear view of where assets are located.

Used by: Necessary if you have assets in the personal possession of an employee and / or assets off business concessions.

Date Assigned: Useful if assets are moved around or for telling how long an asset has been at its current location.

Expected EOL: The anticipated date when the asset will no longer be useful.

Funded by: Source of funds if provided by Bond Issue, or outside funds (loan) or a grant.

Cost: Total cost of acquiring an asset.

Date Acquired: Helps give some idea when replacement may be required.

Disposed: Indicates an asset has been disposed of.

Disposed Date: Date asset was disposed of.

Business Use%: Used if an asset is not used full time by the business to break down asset use. Not for everyone, but a field that imagination might find an indispensable use for.

OUT: Used for Tool / Equipment Tracking,

Taken By / In From: Used for Tool / Equipment Tracking to indicate who is taking or returning item.

Date Due: Used for Tool / Equipment Tracking to show when an asset is due back.

Recovered Value: Net proceeds of the disposal of an asset.

Disposed Detail: Notes on how and where an asset was treated of.

Warranty: Indicates if asset is covered by a warranty or could be used if covered by a service / maintenance contract.

Warranty Expiry: It is useful to see what expiries are approaching for tracking maintenance or service agreements. Helps prevent paying for service covered by warranty as well as prompting the repair of items before expiration.

Image: Can assist in asset identification or where 'look' is an important feature. Useful if insurance claim ever made.

Value: Could be amount the asset is insured for. Risk exposure control.

Leased: Helps keep track of Leased vs Owned assets.

Lease End: Used to warn when assets have to be replaced or the lease has to be renewed according to the terms of the lease.

Lease Start: Commencement date of lease on leased equipment.

Lease Co: The name of the company from which an asset is leased.

Audit Date: This column records the date the batch scans of assets were made for audit purposes.

Auditor: Record the name of the person who performed the audit.

What next?

By now you have a good idea of ​​what asset information you want to track. Before looking at the various software packages available you should consider how many people will be entering data and how many will be accessing the data. For a smaller organization it is likely that just one person will be involved but in larger firms despite a number will wish to participate. Your situation could require purchasing more than one software license and the software must support multiple users.

Use a Barcode Scanner?

A barcode scanner can be used to speed data entry and auditing. This will add to the cost and most lower priced software packages offer limited support for barcode scanners. If properly incorporated into software a scanner can provide excellent value and save a lot of time, particularly for annual audit purposes.

Below are outlined the types of barcode scanners used with asset management software.

A 'dumb' tethered ccd scanner is cheapest and purchased for around $ 70. This can only be used when plugged into the computer and acts just to a keyboard in that you scan a barcode and it is put into whatever cell or space you are in.

A 'laser' tethered scanner is more money but will be able to scan smaller barcodes and sometimes have a defect field of view (easier to scan a barcode quickly).

A ccd or laser scanner which has built in memory so scans can be made and then the scanner can be brought back and plugged into a computer, and those scans uploaded. This is extremely useful for audit purposes. For maximum utility your software should be optimized to take advantage of this 'batch' memory capability. A capable unit can be obtained for around $ 150.

A laser scanner with internal memory, as well as an input screen and keys, means that after scanning a barcode you can add additional information. These are more expensive and again their use has to be integrated into your management software. While prices are coming down you are looking at units in the pocket pc price range plus scanner cost. It is usual for software utilizing these units to also, for some reason, be priced higher.

Asset Management Software

The range of prices for asset management software is $ 200 to $ 10,000 and all require you to do the entry of existing asset data as well as some setting up for your requirements. Some offer telephone advice at additional cost but hands on assistance only comes with expensive packages (this level of software requires expensive sales force and marketing expense so possibly their price, for the features provided, may seem high).

Purchasing Criteria a lot of people seem to use. You may have more.

1: Price 2: Ease of implementation of system 3: Ease of use 4: Ability to fit the business 5: Functionality 6: Potential to handle growth

What you can obtain for a reasonable price

A program with full relational database, such as MS SQL Server Express, or open source database. Today there is no reason to set for less power or quality. Microsoft provides their SQL 2005 'Express' DB version at no cost.

A program that allows you to attach images of assets. While not necessary for everyone it is something that someday you might want to use.

A program that integrates the use of inexpensive 'batch' memory barcode scanners because, if not now, at some point in the future such an accessory will save time and money. Used in auditing it assures an asset was actually seen as barcode had to be scanned.

A program that will permit the management of 10,000+ assets. With decent memory in your computer and a fast full relational database engine there is not much of a limitation anymore and while certain functions may slow down a bit even a low cost program should handle over 10,000 assets.

A program that is flexible so you can take advantage of features later instead of having to implement everything at once.

* If more than one person is to be given access to the database then you should ensure that different levels of access can be set for different users to prevent unauthorized changes to data.

What you can get but not cheaply.

A program that integrates directly into your current accounting system.

A program that has full professional depreciation calculations.

A program that runs directly off your company server (lower cost software runs off workstations and while a central database can be located on your server and accessed by individual workstations this is not the same as complete software being server based with applets on workstations.

Hand holding and in house training to get your system up and running. There are firms that will sit down with you and ask you all the right questions, set up your software, audit and list all your assets and then train your staff how to operate and maintain your 'solution'. Most, to my knowledge, will recommend a mid to high priced software because it is easier to sell (commission higher as well) and easier for them to install due to their familiarity with it.

Nuts and Bolts

Gathering your Asset Information How you perform this step depends upon your situation. In our discussion below we assume you do not have existing asset information, in an existing excel spreadsheet or other format. If you do then you would save work by exporting / importing that data into your asset management software.

Starting your Asset Listing and Numbering from Scratch

This is an advantage because you are not limited by inherited constraints. Of course it is more work, as you can not just load in existing asset information but have to collect everything yourself.

Collecting asset information is time consuming. Getting this information accurately, with as little work as possible is important. Thinking about how to do the job and planning will help make this big job easier.

The following is how I suggest doing this but you may have your own, sometimes better plan.

Create data entry sheets that you will have people write in information about assets under their control. Your asset management software may create these or you could make up an excel spreadsheet to obtain them.

Try and obtain some 'buy in' from the department or location manager with control over assets. The closer to the asset you can allocate some responsibility the better that asset will be controlled. 'It's my department's asset' is more powerful an incentive than 'it's IT Dept's asset'.

Final steps

After entering data, that your co-operative managers helped you obtain, it is time to work with that data within your asset management software. It should not take long to become familiar with how it can present information to you on screen and in reports.

Now sit back and enjoy how easy it is to manage your assets.

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Examples Of Spyware And What They Are

Spyware is a general term used to describe software that performs certain behaviors such as advertising, collecting personal information, or changing the configuration of your computer, generally without appropriately obtaining your consent first.

Spyware is often associated with software that displays advertisements (called adware) or software that tracks personal or sensitive information.

That does not mean all software that provides ads or tracks your online activities is bad. For example, you might sign up for a free music service, but you “pay” for the service by agreeing to receive targeted ads. If you understand the terms and agree to them, you may have decided that it is a fair tradeoff. You might also agree to let the company track your online activities to determine which ads to show you.

Other kinds of Spyware make changes to your computer that can be annoying and can cause your computer slow down or crash.

These programs can change your Web browsers home page or search page, or add additional components to your browser you don’t need or want. These programs also make it very difficult for you to change your settings back to the way you originally had them.

The key in all cases is whether or not you (or someone who uses your computer) understand what the software will do and have agreed to install the software on your computer.

There are a number of ways Spyware or other unwanted software can get on your computer. A common trick is to covertly install the software during the installation of other software you want such as a music or video file sharing program.

Any software that covertly gathers user information through the user’s Internet connection without his or her knowledge, usually for advertising purposes. Spyware applications are typically bundled as a hidden component of freeware or shareware programs that can be downloaded from the Internet; however, it should be noted that the majority of shareware and freeware applications do not come with SpyWare. Once installed, the Spyware monitors user activity on the Internet and transmits that information in the background to someone else. Spyware can also gather information about e-mail addresses and even passwords and credit card numbers

Aside from the questions of ethics and privacy, SpyWare steals from the user by using the computer’s memory resources and also by eating bandwidth as it sends information back to the spy ware’s home base via the user’s Internet connection. Because SpyWare is using memory and system resources, the applications running in the background can lead to system crashes or general system instability.

Because SpyWare exists as independent executable programs, they have the ability to monitor keystrokes, scan files on the hard drive, snoop other applications, such as chat programs or word processors, install other SpyWare programs, read cookies, change the default home page on the Web browser, consistently relaying this information back to the SpyWare author who will either use it for advertising/marketing purposes or sell the information to another party.

Licensing agreements that accompany software downloads sometimes warn the user that a SpyWare program will be installed along with the requested software, but the licensing agreements may not always be read completely because the notice of a SpyWare installation is often couched in obtuse, hard-to-read legal disclaimers.

Examples of SpyWare

These common SpyWare programs illustrate the diversity of behaviors found in these attacks. Note that as with computer viruses, researchers give names to SpyWare programs which may not be used by their creators. Programs may be grouped into “families” based not on shared program code, but on common behaviors, or by “following the money” of apparent financial or business connections. For instance, a number of the SpyWare programs distributed by Claria are collectively known as “Gator”. Likewise, programs which are frequently installed together may be described as parts of the same SpyWare package, even if they function separately.

o CoolWebSearch, a group of programs, takes advantage of Internet Explorer vulnerabilities. The package directs traffic to advertisements on Web sites including coolwebsearch.com. It displays pop-up ads, rewrites search engine results, and alters the infected computer’s hosts file to direct DNS lookups to these sites.

o Internet Optimizer, also known as DyFuCa, redirects Internet Explorer error pages to advertising. When users follow a broken link or enter an erroneous URL, they see a page of advertisements. However, because password-protected Web sites (HTTP Basic authentication) use the same mechanism as HTTP errors, Internet Optimizer makes it impossible for the user to access password-protected sites.

o Zango (formerly 180 Solutions) transmits detailed information to advertisers about the Web sites which users visit. It also alters HTTP requests for affiliate advertisements linked from a Web site, so that the advertisements make unearned profit for the 180 Solutions Company. It opens pop-up ads that cover over the Web sites of competing companies.

o HuntBar, aka WinTools or Adware,WebSearch was installed by an ActiveX drive-by download at affiliate Web sites, or by advertisements displayed by other SpyWare programs-an example of how SpyWare can install more SpyWare. These programs add toolbars to IE, track aggregate browsing behavior, redirect affiliate references, and display advertisements.

oZlob Trojan or just Zlob, Downloads itself to your computer via ActiveX codec and reports information back to Control Server. Some information can be as your search history, the Websites you visited, and even Key Strokes.

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Who Invented Dell Computers?

The invention and the history of the Dell computer is quite interesting. First of all, it was in 1984 when Michael Dell, a student at the University of Texas at Austin, created the company PC's Limited. He only had a starting capital of $ 1,000. So what he did was started working out of his dorm room to build personal computers made from stock components. These computers were to be IBM compatible because that was the standard at that time. If a computer were to function with various pieces of hardware, it needed to be IMB compatible.

It is when Michael Dell figured that selling computers directly to customers to determine customer need that he dropped out of college. His family then extended him the $ 300,000 in expansion capital that he needed to make his business take off.

A success

It was in 1985 that the Turbo PC was developed and it sold for less than $ 800. It contained an Intel 8088 processor that ran at 8 MHz, which is significantly slower than the computers that we use today. Computers today are running in gigahertz, which are hundreds and even thousands of times faster than the 8 MHz processor that Michael Dell was installing in his computers at the time. But the truth is that this was the best that could be done in 1985. The technology was developing.

But there was an aspect of PC's Limited that was unique from the rest and continues to be this way today. It is the fact that customers could order their computers rather than buy a computer that was already assembled. This allowed individuals to receive computers at lower prices than what they could get with their competitors. This definitely worked because PC's Limited grossed $ 73 million in its first year of trading.

The beginning of Dell

It was in 1988 that PC's Limited became Dell. Prior to that, the company already had 11 international operations occurring, so the company was quite large. There were on site services set up to compensate for the lack of businesses acting as service centers for Dell computers. It was in 1990 that Dell attempted to sell through club houses, but had very little success with this. So it is then that Dell went right back to its direct to customer sales.

In 1996, Dell started selling computers on its website. An individual could go onto the website and custom design their computer so that it would be built to their specifications. From there, it would be shipped to the customer's home. Financing was made available so that individuals would be able to acquire their computers easily.

In 1999, Dell became the largest personal computer seller when they took over Compaq computers. Their revenue topped $ 25 billion in 2002. Also in 2002, Dell started selling televisions and other electronic items. They now have Dell brand printers, LCD TVs, and much more. Because of the expansion beyond computers, Dell was changed to Dell Inc. In 2003.

It is amazing that this billion dollar company started in a dorm room with $ 1000 in starting capital. And Michael Dell has always stood by the principles of letting individuals have the capability to design their own machine. Although there are Dell computers now sold in various retail outlets, a person can still go to the website and design the machine of their dreams. And Dell also offers a lot of assistance for individuals needing help with their computers. They offer on-site services and so much more for the computer user so that they can have the best experience possible.

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What is the Argus Safety Database?

The Argus safety database is a key part of the Argus Safety 3.0.1 pharmacovigilance software system. In a nutshell, pharmacovigilance is defined as the monitoring of any possible adverse effects of both herbal remedies and synthetic drugs as they are used.

The digital database is used to help companies ensure compliance with global regulations regarding pharmacovigilance and related activities. As a comprehensive pharmaceutical software system, it supports pharmacovigilance business processes that take place in both the pre- and post-marketing phases.

The Argus database is hosted in a data center that is ISO-9001-certified, and operates according to the security standards promulgated by FDA guidelines. By managing this data center, a pharmaceutical firm or laboratory may obtain maximum physical data security as well as access to effective data backup and recovery procedures whenever these services are needed.

ACCOVION, the full-service contract research organization that offers pharmacovigilance as a core service, has configured the Argus database with customized and validated rules to expedite safety reporting. This setup enables generated safety reports to be sent to regulatory investigators and central ethics committees.

The system covers a wide range of the most commonly used forms, including the American FDA MedWatch 3500A form for drugs, the VAERS form for vaccines, the CIOMS-I form, and many others utilized in European countries.

The standard setup in use by the Argus safety database system includes coding with current World Health Organization and MedDRA data dictionaries, as well as older versions of these dictionaries and many others to meet user requirements.

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How to Retrieve Deleted Text Messages & Not Go Crazy in the Process

It’s happened to all of us. We’ve deleted a text message only to realize a short while later that we either deleted the wrong message, or we need to retrieve information off one of the deleted text messages. We then frantically search out ways online how to retrieve deleted text messages hoping to find an easy solution. We pour through websites pulling our hair out because we can’t find an easy solution.

Ultimately we walk away dismayed because either we were not able to find any solutions on how to retrieve deleted text messages, or the solutions we found seemed to require so much “detective” work, that the solution itself should be on a an episode of CSI.

Are there really any “easy” ways to retrieve deleted messages?

The good news is that YES, there are a couple options that do exist which enable anyone to easily recover deleted texts, and both are not only very affordable, but both work exactly as advertised.

Before we dig into the solutions, there is one solution that is often discussed, which does not work, although many people do still talk about it.

What does NOT work?

Going to your own phone carrier is not going to be a viable option. Yes, they are required by law to keep records of your communication (SMS, call, etc.), but they are not required to turn over their logs to you, unless requested by a court of law. You cannot call up AT&T, Verizon or Sprint and tell them you want to retrieve a deleted text message from last week because there is something really important within the contents of the message. It just wont work.

The only information AT&T, Verizon, Sprint, or any other cell phone carrier is going to provide you is the number, date, and time of a call or message. You can plead all you want, but they will not be able to do anything, so it’s not worth your time to attempt this approach.

What DOES work?

There are actually two options available for anyone who is looking for information on how to retrieve deleted text messages. These options rank from the “quick and easy” to the more difficult, but also the most effective.

1) Quick & easy method.

The ‘quick & easy method’ is to buy a SIM card reader, often referred to as a SIM card spy device. This device looks like a USB reader, and the way it works is you remove the SIM card out of your phone, and then place the SIM card into the SIM card reader, and then plug the reader into your computer. Using the included software (of the SIM card reader), you’ll be able to immediately retrieve and read deleted text messages. The time frame will vary, based on what new information is overwritten on the SIM card, but you’ll at least be able to retrieve and read the last 15-20 messages and scan through your call history and contacts, even if they were all deleted.

Positives of this approach?

  • Very easy.
  • Enables you to quickly recover deleted messages.
  • Does not require software to be installed prior to the message being deleted.

Negatives of this approach?

  • A bit costly.
  • Limited cell phone support.
  • Does not work on CDMA networks.

2) More difficult, but most effective method.

The more difficult, but most effective method’ is to purchase a cell phone monitoring app that is often used to spy on cheating spouses, monitor teen cell phone use, track cell phone location, and locate missing or stolen cell phones. These apps (often called spy apps or spy phone software) are often used by people who want an easy and convenient way to back up and store all their own personal cell phone data. The reason why this method is fast becoming a popular way to back up their own personal cell phone data is because everything happens automatically. There is no “syncing” required, or any buttons or settings to worry about. Your cell phone data (text messages, call history, etc.) are automatically backed up every single day. This means if you ever delete a text message, and then need to quickly recover it, all you have to do is log onto your account and then in just a few clicks, you’ll have full contents of every message that was either sent or received from your phone. In addition, you’ll get access to all your call logs and contacts.

The reason why this is a more difficult method, is because it requires that you download the software from your cell phone’s web browser and install the application on your phone. Not everyone is comfortable downloading cell phone apps from the internet using their phone’s web browser. However, once you do complete the download, the actual installation is similar to installing an app on your computer. If you are willing to roll the dice and go with this method, you’ll be very happy with the results. It’s essentially a real time person back up solution that requires absolutely ZERO work on your part. Everything is done for you. The only drawback with this approach is that it does require you to install the software BEFORE you delete the text message that you want to retrieve. This means you need to be proactive and install the software ahead of time.

Positives of this approach?

  • Extremely effective.
  • Affordable.
  • Full contents of text messages are retrieved.
  • Large amount of cell phones are supported, including the popular models such as Android, BlackBerry, iPhone, Nokia, and more.

Negatives of this approach?

  • Can be difficult if not familiar with installing cell phone apps.
  • Software must be installed prior to message being deleted.
  • Requires a data connection such as 3G or Edge
  • May increase data fees if a large amount of text messages are sent on a daily basis.

There you go. Now you know how to retrieve deleted text messages using a couple different approaches. The next time someone asks you how to retrieve deleted text messages, you’ll know what options exist, and which one is the best for that particular situation.

Good luck!

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How to Uninstall and Remove G DATA Antivirus Completely

G DATA Antivirus is a complete protection solution for your home computer. However, no matter the reason is that corrupt virus signatures may have caused it not to upgrade properly, it will not work regularly and needs to be repaired, or probably corrupt files are causing 100% CPU usage, etc. Like all other antivirus software, there also may be times when you have to uninstall and remove G DATA Antivirus.

The standard method of uninstalling G DATA Antivirus is from Windows built-in Add / Remove Programs, but sometimes the removal process will hang and you may be unable to remove this program from your computer, because some registry entries and spaces may still be left in Your system. In this case, if you wish to completely remove this antivirus, you have to delete all those sticky registry entries, processes, services, as well as related folders and files.

Removing all instances of this antivirus program can be extremely tricky and there is a risk of damaging the operating system if not done properly. Then you can try using a good removal tool to help you remove this program automatically in seconds. Perfect Uninstaller is one of such software. It works in a very simple manner. Aside from working to remove G DATA Antivirus, it can also get rid of other unwanted programs from your computer.

1. It offers a much quicker and easier way to completely remove programs which can not be removed through "Add / Remove Programs".
2. It completely deletes empty or corrupt registry entries.
3. It has the "force uninstall" function to forcibly uninstall corrupted or hidden programs.
4. It has the "Special Uninstall" function designed for some very specific programs in that list
5. It can restore the registry to a previous state, and restore files from the recycle bin (files deleted into the recycle bin).

Uninstall and remove G DATA Antivirus from your system before proceeding with the installation of the next antivirus that you would like to set up, otherwise the antivirus will conflict and give much trouble that you will not be able to recover Windows from the crash.

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