Friday, March 26, 2010

Chapter 6 & 7 Response

1.) For the destination Negril, Jamaica, the website first provides a general overview of the destination. In the overview topics such as how carefree Jamaica is and the town’s nickname which is the “Capital of Casual”. The number one rated hotel to stay at Shields Negril Villas based on consumer reviews of service, location and the actual room. Some recommended things to do while in Negril, Jamaica include scuba diving, visiting Rick’s CafĂ©, visiting Jungle nightclub and visiting Negril light house. Recommended restaurants to visit include the Hungry Lion, Sweet Spice, the LTU Pub and Drai’s. There is also plenty of expert advice offered on the website including how to plan a trip to Negril, Jamaica, what to do when arriving, how to get around and a general orientation of Negril, Jamaica.

2.) Twitter is a social networking and microblogging website, similar to Facebook or MySpace. On Twitter, users can send and read messages known as tweets, which are text posts of up to 140 characters. These tweets are featured on the users homepage or but can also be displayed to the users followers. Personally I do not use Twitter.

3.) In order to check your credit report the author suggests you visit the website annualcreditreport.com. On this website you will asked to verify your identity through a series of questions. Along the way you will be asked to buy a subscription and to pay to see you FICO score, this is unnecessary, just ignore them. According to the author you should be looking for signs of identity theft or negative marks on your credit record. So overall, you do not need to pay to see your credit report. Although your FICO score, which is what lenders use to determine whether or not to give you a loan and what rate of interest they will charge if they decide to give you a loan, will have to be paid for in order to see it.

4.) Microfinancing is the idea of lending small sums of money to individuals in poor countries. The author recommends the website kiva.org, a microfinance group. Kiva is an organization that believes people are generally generous, and look to these people to donate to struggling entrepreneurs across the globe. They believe these struggling entrepreneurs can be very successful when given the chance and donating helps create relationships across the globe. As an organization, Kiva promotes dignity, accountability and transparency. Two people trying to support their businesses through Kiva are Leonora Stets and Alibala Nagiyev. Leonora is an entrepreneur from Western Ukraine who sells womens footwear in the marketplace. Alibala is a 56 year old man who runs his own barber shop in Agsu City.

5.) According to the website it will take until the end of September 2011in order to pay off the debt. During this time you will pay $93.04 in interest. Some trends in payment that the website recommends are paying off the majority of one debt at a time before concentrating payments on other debts and generally paying less off at first and over time making larger payments on your debts.

6.) I found the chunk of information interesting on keeping track of loans between roommates. I found this interesting because it is something that applies to me right now and I was unaware of billmonk.com, a website used in order to keep track of loans between groups of friends.

Friday, March 5, 2010

Chapter 5 Assestment

1.) You can verify if e-mails are a hoax or not by visiting Snopes.com, which is a clearinghouse for urban legends and bogus e-mails. The website filters through hundreds of e-mails a day, filtering out all the ones that contain bogus information or are hoaxes. The first example of a e-mail sent to the masses was one that stated a 13 year old girl from Philadelphia named Ashley Flores was missing. Snopes.com received this e-mail and determined that it was false. The second example of an e-mail sent to the masses was an e-mail that claimed Starbucks refused to give free products to G.I.'s serving in Iraq. Snopes.com again received this e-mail and determined it was also false.

2.) The first method you can use is simply saving the website page as a text file. You can also save it as a complete website and store it on to your hard drive with the formatting and images all left intact. Another method, for Mac users, is to save the webpage as a standalone PDF file, which can be viewed in Adobe Reader or Apple's Preview Utility.

3.) Four uses of Fundrace.org include, finding out if and how much your neighbors contributed to political campaigns, finding out anyone that may have contributed to a political campaign including their address and who in the same area contributed to that campaign and you can also use Fundrace.org to organize block parties in order to raise funds for your party or favorite presidential candidate. Jerry Springer donated an amount of $4,600 to Hillary Clinton in 2007.

4.) Liveplasma.com is a visual music "discovery engine". You enter the name of an artist and it displays related bands. By clicking on one of the related bands, Liveplasma generates a map of related bands surrounding it. Its function is to help people discover new bands which are related to and similar to bands that they like. During a search on Liveplasma.com, the website displays the name or the artist you searched in the middle with a web of connected artists around it. The more closely related the artists are, the closer they are in relation to the artist you searched. There is also a target on the screen which allows you to navigate through the web of artists with ease.

5.) Bit Torrent is a method of sharing files that actually makes the files more accessible, in proportion to the number of people downloading them. It works by making everyone's computer pitch in on the job of sharing files. As your Bit Torrent application is downloading the file, it is simultaneously uploading, what you have downloaded so far to other users. Although you need to be careful because many Bit Torrent search sites online point to files of copyrighted movies, music and software. It is illegal to download copyrighted material and may result in jail time for those who use Bit Torrent to download these files.

Monday, March 1, 2010

Chapter 3 & 4 Assestment

1.) Three methods mentioned by the author that allow you to browse websites without harming your computer are getting anti-virus software, losing internet explorer and start using firefox as well as using a firewall in order to block unauthorized attempts to access your computer.

2.) "Proxy Bidding" is an automated bid, that bids for you each time you're outbid. For example, if the maximum you are willing to pay is $20 on a product that has a current high bid of $10, "proxy bidding" will automatically bid a dollar higher than the high bid until that $20 limit is reached. "Proxy Bidding" serves the purpose of helping the bidder pay less for products that may not reach their maximun paying price during the auction.

3.) Sniping is entering your bid at the very last possible moment before an auction closes. It serves the purpose of not allowing other interested bidders to react and outbid you, allowing you to go on and win the auction.

4.) Triangulation occurs when the seller in an auction uses a stolen credit card to buy the product the buyer had just won in the auction from an online store. The true owner of the credit card sees the charge, he goes to his bank to dispute the charge, who in turn finds the address that the product was sent to, the buyer's house. In order to avoid this scam the author suggests that you should never make a payment using a wire transfer. Also, if you recieve the package and it is marked as a gift and the address of the person who paid for it is hidden, you should immediately contact the auction site or where the product came from.

5.) Otherwise known as "single use numbers", virtual credit card numbers are issued by a credit card company who generates a unique and temporary 16 digit number that looks and works just like a regular credit card number. Although these virtual credit card numbers come with a spending limit that is determined by the owner. This serves the purpose of protecting the owner of the credit card from hackers who will be rejected if they try to use the virtual credit card number.