My Product Reviews

i’m a single mum and would like to find a way to earn a little extra money from home! Any ideas?

i’m a single mum and would like to find a way to earn a little extra money from home! Any ideas?

thank you xx

Hi Lola,

I wouldn’t even visit the websites those people listed, let alone sign up with them. These people are the same vultures that search the questions and find ones like yours just so they can promote their own questionable company that wants your money.

As for myself…I was intrigued last summer on a trip to George Washington’s house Mount Vernon. He made rum, super fine wheat, and sold barrels of fish. I thought it was so cool how he could make a living just on his own property.

Then I realized we can do that in modern times too! One thing you might want to consider is getting a wholesale license and re-selling on ebay. You can also find some very good dessert recipes and make your own little catalog and bring it along with samples to various businesses in town (real estate companies, office buildings, etc). If you’re crafty, you can make your own stuff like jewelry and sell it on ebay as well.

Or if you’re really motivated you can do all three of these things at once!

With a little hard work, inexpensive Marketing, and outstanding customer service, you’ll be well on your way in no time.

Good luck to you!

How To Make Extra Money At Home – Easiest Way To Start Your Own

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Making Money on the Web using Affiliate Marketing. Tutorial Training computer video based instruction, 7.5 Hours in 58 Lessons on DVD showing you how to Earn Extra Income from the Internet working from Home.

Making Money on the Web using Affiliate Marketing. Tutorial Training computer video based instruction, 7.5 Hours in 58 Lessons on DVD showing you how to Earn Extra Income from the Internet working from Home. $34.57 Complete video tutorial training for Making Money on the Internet using Affiliate Marketing. Lessons are presented in step-by-step videos with a total running time of over 7.5 hours in 58 individual video lessons. Each instructor-guided DVD title is presented in full motion video, with the instructor clearly demonstrating each lesson in the actual program being taught while providing a full narrat…

The Greatest Money-Making Secret in History + Plus Bonus

The Greatest Money-Making Secret in History + Plus Bonus $2.99 If you want money, you only have to do one thing.It’s the one thing some of the wealthiest people on the planethave done and are doing.It’s the one thing written about in various ancient cultures andstill promoted today.It’s the one thing that will bring money to anyone who does itbut at the same time most people will fear doing it.What is that one thing?John D. Rockefeller did it since he w…

How To Start A Home Based Answering Service – Earn Extra Cash Working From Home!

How To Start A Home Based Answering Service – Earn Extra Cash Working From Home! $6.84 HOW TO EARN HUNDREDS OF EXTRA DOLLARS WEEKLY RUNNING A HOME BASED ANSWERING SERVICE! “No matter what your personal desire might be, you truly can have your own home business.” Step By Step Guide:GETTING STARTEDTYPES OF HOME-BASED ANSWERING SERVICESHOW TO OBTAIN CLIENTSYOUR “HOME” OFFICETEN EASY STEPS TO ORGANIZING YOUR BUSINESSTHE ART OF NETWORKINGMARKETING YOU MUST DOADDITIONAL TIPS FOR SUCCESSS…

King Marketing Secrets – LEGALLY ROB YOUR COMPETITORS! STEAL THEIR SURFERS & TRAFFIC! (1 Million in 1 Year Guide)

King Marketing Secrets – LEGALLY ROB YOUR COMPETITORS! STEAL THEIR SURFERS & TRAFFIC! (1 Million in 1 Year Guide) $2.99 LEGALLY ROB YOUR COMPETITORS!STEAL THEIR SURFERS & TRAFFIC!WHILE PUTTING THEIR MONEY IN YOUR BANK ACCOUNTTHE ONLY THINGS MISSING ARE THE HANDGUN & GETAWAY CAROver 20 Million Users Already Have This Controversial Software Installed and Thousands More Are Installing It Each And Every Day!NOW, I show YOU how to show THESE surfers YOUR ads at the EXACT MOMENT they are looking for it!PEOPLE ARE GOING T…

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Earn It, Learn It

Earn It, Learn It $9.32 The groundbreaking alternative allowance program featured in Earn It, Learn It offers a way for parents and children to have fun learning about money, work, and the value of time well spent. It”s easy: parents and kids choose tasks from one of 50 eclectic professions, complete them with a set amount of time, and earn while they learn.

Learn to Earn

Learn to Earn $26.82 Public companies are everywhere, and they surround you from morning to night. . . . Nearly everything you eat, wear, read, listen to, ride in, lie on, or gargle with is made by one. Perfume to penknives, hot tubs to hot dogs, nuts to nail polish are made by businesses that you can own. — from the Introduction. McDonald’s, The Gap, Circuit City, Gillette, CBS, and thousands more . . . anybody can own part of big and small companies. As companies grow and prosper, you can too. Whenever burgers are eaten, sweaters are purchased, batteries are used, and faces are shaved, you’ve got a piece of the action. From Alexander Hamilton to Warren Buffett, people have been making big money by investing in the corporations and institutions around them. Mutual-fund superstar Peter Lynch and author John Rothchild explain what’s not normally taught in high school — how the stock market helps you and how it helps the country. By understanding how and why the stock market works when you buy a share of a company or purchase a mutual fund, you can make informed — and profitable — decisions. Whether you’re saving for college, a house, a trip, or retirement, there is no better method to secure a sound financial future than to invest. Young or old, there is no better time to start investing than now. Investing is fun. It’s interesting. It can put you on the road to prosperity for the rest of your life. . . . Learn to Earn gives you the expert guidance you need to make the right start. Lynch and Rothchild cover the gamut on investment fundamentals and principles, from choosing stocks, to picking a broker, to reading an annual report. Learn to Earn reveals how to decipherthe stock pages and how to evaluate the pros and cons of the five basic investment vehicles — savings accounts, collectibles, houses or apartments, stocks, and bonds. Yet, there is much more to investing than just the principles, and there is much more to Learn to Earn than just the fundamentals. Opportunity comes in many forms, from many sources, with many histories. Brimming with stories and parables, Lynch and Rothchild also explain: Why the world as we know it would collapse without investors . . . How capitalism, from the time of the American Revolution on, has shaped the past, and how that affects us today . . . How Coke, Campbell’s Soup, Ben & Jerry’s, Microsoft, and other big companies got started, who gets rich from them, and how they got that way . . . How to know the real story behind the price of a stock

Money From Home

Money From Home $8.99 Money From Home

Earn What You Deserve

Earn What You Deserve $5.99 Expert Jerrod Mundis offers a revolutionary new program to help readers streamline their finances, win freedom from economic fears, and change their views about money forever. Grounded in the proven techniques of Twelve Steps, this book shows readers how to stop underearning and make money a thing that enhances life, not the cause of anxiety.

How Boys and Girls Can Earn Money

How Boys and Girls Can Earn Money $23.84 The book has no illustrations or index. It may have numerous typos or missing text. However, purchasers can download a free scanned copy of the original rare book from the publisher”s website (GeneralBooksClub.com). You can also preview excerpts of the book there. Purchasers are also entitled to a free trial membership in the General Books Club where they can select from more than a million books without charge. Original Publisher: Forbes and company; Publication date: 1916; Subjects: Saving and investment; Occupations; Saving and thrift; Business

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Someone wants to work togther program Site affiliate?

I am aware of the game, but I like to lend my job to join forces with someone if they can use some who knows the basics of Affiliate Marketing and search engine optimization, but wants to learn more and make less money.

I wish I could help. Hope someone who helps bro.

Make Money With Affiliate Programs with Home Study Course

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BMV Quantum Subliminal CD Multi Level Marketing MLM Success: Effective Network Marketing (Ultrasonic Subliminal Series)

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How to Create a Profitable Website

How to Create a Profitable Website $34.95 Creating a profitable commercial (.com) website is a challenging task, considering the fact that its main purpose is to succeed in getting strangers from all over the world to give you their hard-earned money.Magic Lamp Productions’ Gene Grossman started creating websites for his own video productions in 1996, and at the time of this writing (2010) has 94 of his domains hosted on servers, drawing …

The Complete Guide to Affiliate Marketing on the Web: How to Use and Profit from Affiliate Marketing Programs

The Complete Guide to Affiliate Marketing on the Web: How to Use and Profit from Affiliate Marketing Programs $12.47 Affiliate marketing is a highly profitable online advertising method in which Web site merchants pay independent third parties to promote the products or services of an advertiser on their Web site. In other words, affiliate marketing involves posting a company s banner on your Web site or blog and attempting to send visitors to their Web site. If someone clicks on that banner or goes to that site…

A Practical Guide to Affiliate Marketing: Quick Reference for Affiliate Managers & Merchants

A Practical Guide to Affiliate Marketing: Quick Reference for Affiliate Managers & Merchants $16.69 A Practical Guide to Affiliate Marketing was written to be an indispensable handbook for all affiliate managers and merchants, alike. In addition to providing concrete, practical answers to common (as well as not-so-common) questions, the book gives usable ideas on promoting affiliate programs, along with ways to keep affiliates motivated. This guide presents the author’s information in a logical,…

Affiliate Programs: How to Make Money Online with Other People’s Products

Affiliate Programs: How to Make Money Online with Other People’s Products $2.99 Thousands of people have discovered the secret to making money online by selling other people’s products. By becoming an affiliate of any of thousands of online merchants, you can earn great commissions… all without having any product of your own!In this 30-page report, New York Times Best Selling author Joel Comm shares his techniques and strategies for generating passive income with Affiliate…

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Pay for Performance: Successful Affiliate Marketing for Merchants

Pay for Performance: Successful Affiliate Marketing for Merchants $18.33 If youAre an online business, instead of paying for an ad, like a banner, you pay for the result – the sale. This is called affiliate marketing. Pay for Performance will show anyone conducting business online, how to plan, implement, and manage a successful affiliate marketing program. The reader will find valuable Web resources such as tracking software and contract templates with the guidance of this book. There will also be direction for the reader to focus the content and develop the right affiliate model for the type of business. It will also provide case studies of successful programs as well as failures and scams to demonstrate and teach the lessons of building a successful program.

A Practical Guide to Affiliate Marketing

A Practical Guide to Affiliate Marketing $19.78 A Practical Guide to Affiliate Marketing was written to be an indispensable handbook for all affiliate managers and merchants, alike. In addition to providing concrete, practical answers to common (as well as not-so-common) questions, the book gives usable ideas on promoting affiliate programs, along with ways to keep affiliates motivated. This guide presents the author’s information in a logical, convenient format.

The Complete Guide to Affiliate Marketing on the Web

The Complete Guide to Affiliate Marketing on the Web $16.91 Affiliate marketing is an advertising technique that originally was developed by Amazon.com. In this new book you will learn how to master the art and science behind affiliate marketing in a matter of hours. By investing a few dollars you can easily increase the number of visitors to your Web site and significantly increase sales. If you want to drive high quality, targeted traffic to your site, there is no better way than affiliate marketing. Since you only pay when a sale is made, your marketing dollars are being used more effectively and efficiently compared to any other advertising method. The keys to success in affiliate marketing are knowing what you are doing, devising a comprehensive and well-crafted advertising plan, and knowing the relationships between your Web site, search engines, PPC advertising, and campaign methodology. This groundbreaking and exhaustively researched new book will provide everything you need to know to get you started.

Business Models: Network Effect, Pyramid Scheme, Business Model, Gratis, Cooperative, Auction, Scenario Planning, Affiliate Marketing

Business Models: Network Effect, Pyramid Scheme, Business Model, Gratis, Cooperative, Auction, Scenario Planning, Affiliate Marketing $14.14 Business Models: Network Effect, Pyramid Scheme, Business Model, Gratis, Cooperative, Auction, Scenario Planning, Affiliate Marketing

Marketing

Marketing $160.8 From the Publisher:Marketing, 14/e, by Etzel, Walker and Stanton continues to be a popular, low-cost, paperback option in the Principles market. This text is completely updated, and continues to incorporate technology, and feature in-text and boxed examples that highlight global issues, technology, ethics, applied decision making, chapter opening cases, and part-ending cases. Other marketing themes integrated throughout the text include critical and current themes such as global marketing, customer relationship management, small business and entrepreneurship.About the Author:Michael J. Etzel received his PhD in marketing from the University of Colorado in 1970. Since 1980, he has been a professor of marketing at the University of Notre Dame. He also has been on the faculties at Utah State University and the University of Kentucky. He has held visiting faculty positions at the University of South Carolina and the University of Hawaii. In 1990, he was a Fulbright Fellow at the University of Innsbruck, Austria. His other overseas assignments include directing and teaching in the University of Notre Dame’s program in Fremantle, Australia in 1994, and the University’s London MBA program in 1998. Professor Etzel has taught marketing courses from the introductory through the doctoral level. He is also a frequent presenter in executive training programs. His research, primarily in marketing management and buyer behavior, has appeared in the Journal of Marketing, Journal of Marketing Research, Journal of Consumer Research, and other publications. He is the coauthor of another college-level text, Retailing Today. He has been active in many aspects of the American Marketing Association at the local and national levels, most notably serving as chairman of the board in 1996-1997.William J. Stanton is professor emeritus of marketing at the University of Colorado-Boulder. He received his PhD in marketing from Northwestern University, where he was elected to Beta Gamma Sigma. He has worked in business and has taught in several management development programs for marketing executives. He has served as a consultant for various business organizations and has engaged in research projects for the federal government. Professor Stanton also has lectured at universities in Europe, Asia, Mexico, and New Zealand. A coauthor of the leading text in sales management, Professor Stanton has also published several journal articles and monographs. Marketing has been translated into Spanish, and separate editions have been adapted (with coauthors) for Canada, Italy, Australia, and South Africa. In a survey of marketing educators, Professor Stanton was voted one of the leaders in marketing thought. And he is listed in Who’s Who in America and Who’s Who in the World.With additional writing contribution by Bruce J. Walker.

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So you’ve been to Clickbank and browsed around. You’ve seen the pitch or sales pages for a number of products. In this article we will take a little more in depth analysis of what goes into creating a powerful pitch page for a Clickbank sales page and give you some tips on how to create one yourself.

The first thing you notice is that every pitch page for a Clickbank product is one single page. There are no sites with links to other pages featuring other products by the publisher. The reason for this is simple. To understand that reason one must realize that there are two ways a visitor might make it to a Clickbank sales page. First, they may have done a search for a product on-line and found the site in the organic listings on YaHoo!, MSN, Google or some other search engine. Let’s call these people “fresh visitors.”

There are also visitors coming to Clickbank sales pages who clicked on a link from an affiliate for that product and that click resulted in them being taken to the Clickbank site. In such a case the visitor clicked on what is called a “hoplink” to the sales page. The affiliate created that hoplink which Clickbank will monitor and place a cookie on the visitor’s computer when they reach the pitch page. If the visitor ends up buying the product on that page, Clickbank will read the cookie and award the affiliate his or her commission for referring the customer to the sales page in question.

If a publisher were to sell more than one product from their Clickbank site, it would interfere with Clickbank’s tracking and make it nearly impossible for Clickbank to award commissions to affiliates properly. THis is why all Clickbank sales pages are only one page long and never promote more than one product.

Now, what about the content of the page? Most Clickbank pitch pages start with either an attention getting header graphic, or a big bold heading in 18 or 24 point text. Often Tahoma or Impact fonts are used, but sometimes something like Times or Times Roman are used. The headline needs to grab the reader’s attention. You only have a few seconds to pull the visitor in to want more information.

Some Clickbank publishers will tell exactly what their product is all about in the headline, others will create a sub-header to do that task–but however it’s done, the reader must become locked into the site within the first 10 seconds.

About one-third of the way through the pitch page most of the power seller’s pitch page will begin with a, “From The Desk Of…” message to the reader. The purpose of this is to establish a relationship with the reader. This part of the page is more personal–they try to make it sound as if they were right across the table talking to you. This is important, the seller must infer some degree of trust to the reader before they can ask for credit card information.

Virtually every Clickbank ebook seller will also have an opt-in form on their pitch page as well. Some use static, in-line forms–but most use a pop-up or “hover-over” type form. Collecting name and email info is a top priority because the publishers will work their lists aggressively to harvest more sales.

And one more key feature: The vast majority of power sellers will have some kind of exit-capture strategy for visitors clicking to leave their site without ordering. The two most common exit-capture systems are provided by IntelliChat and VirtualSmartAgent. You’ve see this used. You go to click to leave the site and a pop-up appears with a chat box and a virtual sales agent. The agent will offer you a $10 or $20 discount you order through them. These companies collect a commission on every sale they capture through this technology. Before you purchase any Clickbank product, I would recommend closing the pitch page to see if you are offered a discount rather than ordering directly. You can often save a few bucks.

My last ket point involves the testimonials. Here’s a little secret: A great number of testimonials on Clickbank pitch pages come from affiliates who are promoting the product on which their testimonial appears. I’m not suggesting this is wrong, but you should know that many of these are not testimonials from the average “Joe on the street.” There are a handful of affiliates who have their testimonials appear on dozens and dozens of Clickbank sales pages.

This is partially because they are affiliates for these products, and also because the big guys always include the URL for the web site of the person giving the testimonial. This is sort of a “pay-back” for the comment as some visitors will then click on the affiliate’s web site.

Mike McMillan is a former inner-city teacher who left teaching in 1989 to devote full time to writing over 40 nonfiction books and ebooks. He has been interviewed on over 80 radio stations and televisions programs including ABC World News on the topic of self publishing. Mike’s on-line self publishing course is offered through over 1,400 colleges and universities across the U.S.

His newest ebooks include Big Money Writing Little Books, and Cleaning Out The Vault: Secrets of the eBook Power Sellers Exposed.

Download Mike’s newest eBook, Creating An Affiliate Army To Promote Your eBook, for free at http://www.extreme-self-publishing.com

ClickBank: Create a Hoplink

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Creating a ClickBank Review Blog!

Creating a ClickBank Review Blog! $3.88 You’ve discovered that affiliate marketing is not the easy path to riches some would have you believe. So far, your efforts have brought more, well… effort… than success. You’ve got the basics down, you understand the principles. You’ve even got a blog or two set up that you’ve been trying to monetize. But a strange thing happens, every time you try to tackle affiliate marketing………

Dictator Method – How to Make Money Online with eBooks for Beginners!

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How to Find a Profitable Niche – Top Secrets to Find Hot Niches to Make Money Online

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for a conventional 100% no money down 30 year fixed mortgage loan is a 6.5% interest rate a good rate?

Wow! If you are getting a 100% loan than yes it’s a good rate.

To answer the guy on top that says he seen 30 yr fixed at 6%. That is most likely based on a loan with at least 20% down payment, a fico score of 720 or higher and a debt to income ratio of at least 45%.

I am a Real Estate agent and my husband is a VP of a mortgage bank, we were not aware of any banks still offering 100% loans. Would you mind sharing the banks name. I have plenty of clients who could benefit from this.

Congratulations!

No Money Down Mortgage Loans – Bad Credit Mortgage Loans

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The Quick & Dirty Guide To FHA Mortgages (Quick and Dirty Books Collection)

The Quick & Dirty Guide To FHA Mortgages (Quick and Dirty Books Collection) $3.95 With more than 250,000 books in print, syndicated real estate columnist Peter G. Miller really knows the FHA program. This handy guide looks at the FHA mortgage program and appraisals, credit scores, successful loan applications, flipping,reverse mortgages, buy-and-repair financing, Title 1 loans, insurance premiums, refunds, streamline refinancing, down payments, “seller contributions” and mu…

How to Buy a Home With No (Or Little Money Down)

How to Buy a Home With No (Or Little Money Down) $45.00 In today’s high-priced real estate market, traditional methods of financing can put home ownership out of reach for many would-be first time buyers. Even if the house is affordable, the need for a large down payment can make the purchase prohibitive. In this book, two real estate specialists analyze many alternative financing strategies….

How to Buy a House with No (or Little) Money Down

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The Mortgage Kit

The Mortgage Kit $12.14 Saving money. It”s what home loan shopping is all about. And nothing helps you save money and secure the best deal like The Mortgage Kit. By guiding you through the entire mortgage process–from applying to refinancing–this proven bestseller is your one-stop mortgage guide. Bursting with Internet information designed to put you in the driver”s seat, The Mortgage Kit includes an all-new, time-saving Internet resource guide, advice on applying for a mortgage on the Internet, and tips on finding a lender online. And, The Mortgage Kit is packed with hands-on charts, graphs, and worksheets that have helped tens of thousands of homebuyers successfully navigate the mortgage maze. Mortgage guru Thomas Steinmetz leaves no stone unturned by revealing: -Money-saving strategies for applying for a mortgage-Tips on handling problems that may affect mortgage qualification-Strategies on comparison mortgage shopping-The ins and outs of reverse mortgages

Getting Started as a Commercial Mortgage Broker

Getting Started as a Commercial Mortgage Broker $20.3 While residential real estate lending has gone soft, commercial lending is hot–with a wave of low interest rates and refinancing–and it shows no sign of slowing down. Right now, commercial mortgage brokering is one of the best ways to earn money without a ton of training. In this practical guide for first-timers, you”ll learn the basics of brokering from application to closing, as well as inside information you won”t find anywhere else. So get started!

The Mortgage Answer Book

The Mortgage Answer Book $11.24 The Mortgage Answer Book answers the most common mortgage and loan questions asked by borrowers today and breaks down the complex mortgage industry with straightforward, easy-to-follow advice on finding the loan that is right for you.

Write Down the Money!

Write Down the Money! $10.67 Write Down the Money!

Decoding the New Mortgage Market

Decoding the New Mortgage Market $11.97 The housing market is in turmoil, but the silver lining is the fact that purchase prices are at historic lows. Predatory lenders waiting to exploit nave potential buyers still exist, but those who do their homework will be rewarded with a fair price and manageable mortgage terms. Decoding the New Mortgage Market is a map to finding the best mortgage deals while navigating past potential obstacles and traps. This practical guide will help prospective buyers understand: -How new lending and underwriting rules affect today”s homebuyer -Different loan types and lending institutions -Credit issues and other qualifying factors -Creative down-payment solutions -How to reduce closing costs and other fees Because lenders and buyers alike have gotten burned in the mortgage crisis, finding and qualifying for a manageable loan may now be more difficult. This book makes the search easier and more fruitful, and puts dreams of home ownership back within reach.

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Surgical Assist, Campus, Personal Services, and Pharmaceutical Robot Market Shares, Market Strategies, and Market Forecasts, 2008-2014

Surgical Assist, Campus, Personal Services, and Pharmaceutical Robot Market Shares, Market Strategies, and Market Forecasts, 2008-2014

During a robot assisted surgical procedure, the patient-side cart is positioned next to the operating table with the electromechanical arms arranged to provide access to the initial ports selected by the surgeon. Metal tubes attached to the arms are inserted through the ports, and the cutting and visualization instruments are introduced through the tubes into the patient’s body.

Next generation intuitive surgery is implemented with robotic devices. The robotic surgical systems are designed to provide the surgeon with the intuitive control, range of motion, fine tissue manipulation capability, and 3-D vision characteristic of open surgery. Systems work by simultaneously allowing the surgeon to work through the small ports of MIS. All this is accomplished in an intuitive manner, in the same way that the movements of a surgeon’s hands in open surgery are entirely intuitive.

The surgeon performs the procedure while sitting at a console, manipulating the instrument controls and viewing the operation through a vision system. When a surgeon needs to change an instrument the instrument is withdrawn from the surgical field using the controls at the console. This is done many times during an operation.

People are making existing MIS procedures easier, safer and more cost-effective than the alternative methods. The strategy is to broaden the number of procedures performed using a robotic surgical system and to educate surgeons, hospitals and patients as to the benefits of robotic surgery. Key elements of strategy include a focus on key procedures. Procedure Marketing efforts are primarily focused within four surgical specialties: urologic surgery, gynecologic surgery, cardiothoracic surgery, and general surgery.

Systems pose a challenge to be relevant and individualized to the special needs of each user. Social behavior plays a fundamental role in assisting all people, including people with special needs. The robot’s physical embodiment, its physical presence and appearance, and its shared context with the user, are fundamental for creating a time-extended engaging relationship with the user.

An adaptive, reliable and user-friendly hands-off robot needs to provide an engaging and motivating customized therapy protocol to participants in school, clinic, and ultimately, home environments.

It needs to establish a very complex and complete human-robot relationship. Robots must be endowed with human-oriented interaction skills and capabilities, exhibit context and user-appropriate social behavior, and focus attention and communication on the user in order to help the user achieve specific goals. Different systems developed in lab research that integrates social elements and systems to form therapeutic programs that monitor, encourage, and assist users.

Stroke rehabilitation has traditionally relied on simple training equipment dedicated for a particular purpose. The advance of computing and robotics techniques provides a chance to improve on several aspects of stroke rehabilitation. Computer control can allow therapies to be customized to the individual need. Systems can be designed to be available when ever needed by the patient.

It may be possible to provide home based systems that can continue to give regular therapy sessions once the patient is discharged from hospitals. Providing intelligent therapy assistance means that there may be a chance to make objective recordings of the therapy session for subsequent analysis. In this process the traditional task of the neuro-rehabilitation specialists changes to mimic the advances brought by video analysis of games typical of professional sporting teams (particularly the teams that win).

The iRobot ConnectR is a way to stay connected to family and friends even when apart. ConnectR is used in pilot programs initially. ConnectR robots are available directly from iRobot as part of a pilot program. ConnectR Pilot Program costs are $199, afterward the product sells for $500. These markets will grow slowly, security applications are most likely to represent early adopter users.

Worldwide robotically-assisted surgery systems equipment shipment markets are set to have rapid growth. Markets at $626.5 million in 2007 are anticipated to reach $1 billion in 2008 and are forecast to go to $14 billion by 2014. Growth comes because the technology is mature and the technology works. It took a long, long time for the markets to evolve, but now the MIS surgeries are accurate and less invasive that alternative surgical methods, creating market opportunity.

A plethora of healthcare robotics markets are emerging including remote presence, security, visiting robots, services robots, and pharmaceutical robots. Robots are different from stationary devices because they have a microprocessor which can be programmed and they can move around. They have sensors.

For more information, please contact :

http://www.aarkstore.com/reports/Surgical-Assist-Campus-Personal-Services-and-Pharmaceutical-Robot-Market-Shares-Market-Strategies-and-Market-Forecasts-2008-2014-12048.html

Contact : Minu
Aarkstore Enterprise
Tel : +912227453309
Mobile No: +919272852585
Email : contact@aarkstore.com

About the Author

Minal H
SEO
vinod.minal@gmail.com
http://www.aarkstore.com

Strategies for Growth: Marketing

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Wine Marketing and Sales Success Strategies for a Saturated Market

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Looking Back – 2008 Data Breaches

Hurray, another end of the year list. This one though (from Bank Info Security) is not reviewing the top movies, songs, celebrities but, the miserable failures in data security of 2008. With nine more days until the end of 2008, this post could be pre-mature. Data breach threats show no regard for end of the year holiday parties and frivolities.

The data breach incidents of 2008 include the old stand-bys of lost tapes and data due to mistake and theft but also reveals an increased use of break in technologies to steal information from data bases. Numerous “hacking” incidences and infected computer systems not only resulted in millions of dollars in cost to businesses but exposed large numbers of consumers to fraud. Stolen data has to go some where and can be held in reserve for use at a later time, possibly changing hands often before reaching a perpetrator. Data is a commodity. After all, identity theft is a business – suppliers, middle men and end users are the norm, just like in any business.

At least one of these breaches began in 2007 and continued into 2008 due to law enforcement action. Last year’s breaches while not lacking of hacking incidents, were focused more on missing data. For comparison purposes, below the top 10 list find links to stories looking back on 2007 and a link to a comprehensive multi-year listing. APRPEH is currently taking predictions of data loss stories for the end of 2009.

For accuracy purposes, it is important to recognize the difference between lost back up tapes or disks and stolen computers, hard drives or data devices and must be further differentiated from data lost due to hacking, viruses, malware – any active invasion of data storage systems for the purpose of stealing information. It is this last category with its obviously pernicious intent to steal data (vis a vis hardware) which represents a greater threat equation for consumers. The ‘how was it stolen’ question makes a huge difference in predicting whether or not consumers are likely or unlikely to become victims of identity theft.

Top 10 Security Breaches of 2008 – Bank Info Security
Ghost of Christmas Past (TJX) Still Casts Specter on Present and Future
Linda McGlasson, Managing Editor
December 22, 2008

From Hannaford to Countrywide to the Bank of New York Mellon, 2008 has been a year of high-profile security breaches in or impacting the financial services industry. Here’s our list of the top 10 – and lessons that should be learned, so we aren’t back revisiting these issues in ’09.

1. TJX Case Winds Up, Arrests Made

Earlier this year, The TJX Companies (parent of retailer TJ Maxx) settled in federal court and paid out millions to its federal regulator, the Federal Trade Commission, banking institutions, credit card companies and consumers to bring to a close the court cases that had threatened to overwhelm the company.

The August arrest of 11 alleged hackers accused of stealing more than 40 million credit and debit cards brings law enforcement closer to closing what is still the largest hack ever. The U.S. Department of Justice brought charges against 11 alleged hackers from around the globe. Some of the hacking gang were nabbed and brought to the U.S. to face trial alongside three U.S.-based defendants. Two of the defendants, Christopher Scott and Damon Patrick Toey, have already pled guilty in the case. Others including the ringleader, Alberto Gonzalez, await trial.

Lesson Learned: The wide-range of the perpetrators brings to light something that those in the cyber intelligence realm have known for some time: Criminal hackers are part of a very mature and multi-billion dollar industry that reaches around the world. No organization is immune to the threat.

2. Bank of New York Mellon

An unencrypted backup tape with 4.5 million customers of the Bank of New York Mellon went missing on Feb. 27, after it was sent to a storage facility. The missing tape contains social security numbers and bank account information on 4.5 million customers – including several hundred thousand depositors and investors of People’s United Bank of Connecticut, which had given Bank of New York Mellon the information so it could offer those consumers an investment opportunity.

Lesson Learned: For Bank of New York Mellon, know that when data is released to a third-party that their security is as good or better than yours. Encryption isn’t just something that is good for the data held at an institution; it’s also something to consider for data that leaves the institution.

3. Hannaford Data Breach

In March, the Maine-based Hannaford Brothers grocery store chain announced that 4.2 million customer card transactions had been compromised by the hackers. More than 1800 credit card numbers were immediately used for fraudulent transactions.

The affected banks and credit unions were forced to reissue the credit and debit cards. Within two days of the breach announcement, two class action suits had been filed on behalf of customers against the retailer. The retailer claims its systems were PCI-compliant and had passed a PCI assessment shortly before the hack was discovered.

Lesson Learned: The case is still open, and forensic reports by security investigators brought in by Hannaford have not been made public. The PCI Security Council has pledged that if the PCI requirements are found to be wanting in light of the report, they will make changes to tighten the requirements. Cases such as Hannaford may be the impetus behind legislation to require prompt notification of a data security breach.

4. Countrywide Insider Theft

In August, a former Countrywide Financial Corp. senior financial analyst, Rene Rebollo, was arrested and charged by the FBI for stealing and selling sensitive personal information of an estimated 2 million mortgage loan applicants. How he did it over a two-year period was to download about 20,000 customer profiles each week onto flash drives, working on Sunday nights, when no one else was in the office. Rebollo then took the excel spreadsheets to business center stores to email to buyers.

Countrywide, now owned by Bank of America, was already facing money and reputation issues because of the subprime loan meltdown before it faced the insider threat of Rebollo.

Lesson Learned: While Countrywide and Bank of America now know firsthand what a rogue insider can do, other institutions need to do a better job of monitoring their employees and creating asset controls. As the economy continues to produce layoffs, this threat may become even more so, as fearful employees look to cash in on their trusted status and take data just in case they face unemployment.

5. GE Money Backup Tape Goes AWOL

Early in January, Iron Mountain said it could not find a backup tape that belonged to GE Money, containing information on J.C. Penney customers and 100 other retailers.

The tape was stored in an Iron Mountain vault, says an Iron Mountain statement issued about the loss, and had been requested by GE Money in October 2007. The tape contained the personal information of about 650,000 J.C. Penney customers and the other 100 retailers. GE Money processes credit cards for those retailers. As a records and archive company that specializes in records management, Iron Mountain was at a loss to explain the tape’s whereabouts.

Iron Mountain said it was an unfortunate case of a misplaced tape, but asserts that there was no evidence that the information was obtained and used by unauthorized persons. The missing tape also included about 150,000 social security numbers.

Lesson Learned: While GE Money paid for credit monitoring for the 650,000 credit card holders, Iron Mountain may have learned to better monitor where media is located. For the rest of companies that hold information of a personally identifiable nature, there is another reason to keep it safe from prying eyes. The cost of an average data breach can hit a company’s bottom line. According to a study conducted by the Ponemon Institute, an independent information security and privacy research group, data breaches are costing businesses an average of $197 per customer record, up from $182 in 2006.

6. RSA Report: Half-Million Banking ID’s Stolen

In November, security vendor RSA said it found a single Trojan that had taken more than 500,000 online banking accounts credentials, credit cards and other resources. The company’s Fraud Action Research Team added that the hacking gang behind the Trojan may have been operating for as long as three years. The compromised data came from hundreds of financial institutions around the world.

Lesson Learned: The Trojan Sinowal is so tricky that the average institution or customer would not even know that they are infected with it. Taking a professional, defense-in-depth approach to protecting a network and customers is the best remedy.

7. Compass Bank Hard Drive Stolen, 1 Million Accounts Taken

At the sentencing of a former bank programmer at Compass Bank in Birmingham, AL. in March, it was revealed that the accused had stolen a hard drive with 1 million customer records and used it to commit debit-card fraud. James Kevin Real is now serving a 42-month sentence and was ordered to pay back the more than $32,000 that he and an accomplice withdrew from Compass Bank customer accounts. The bank claimed that the customer records contained limited information, but Real was able to create 250 counterfeit debit cards. He used 45 of them to access and withdraw cash before being arrested.

At the time of Real’s sentencing, Alabama was one of 11 states that didn’t require companies to automatically notify customers of data breaches.

Lesson Learned: Compass Bank dodged a bullet in terms of cost on this breach. It would have had to notify all 1 million customers of the compromise of their data had the hard drive theft been in a state that requires notification. Other than the 250 customers that Real took money from, no other customers were notified of the data loss. That means that 999,750 of the other 1 million customers weren’t notified of the potential risk.

8. Ski Resort Okemo Suffers Hannaford-Like Data Breach

In an attack similar to what hit Hannaford Brothers in March, the Okemo Ski Resort in Vermont said in April it had been hit by hackers that installed malicious software to capture credit card data as it was being processed at the resort. Law enforcement officials at the time said they were investigating as many as 50 other similar incidents in the Northeast.

Lesson Learned: PCI compliance is like a driver’s license — it may mean that a retailer has passed the test for compliance, but doesn’t necessarily mean it is in compliance.

9. Retailer Montgomery Ward

Six months after a breach happened at the parent company of the Montgomery Ward website, the company Direct Marketing Services finally began notifying customers that their credit card information was stolen in the hack. At least 51,000 records were stolen out of a database in December, 2007.

Direct Marketing said it had promptly contacted its payment processor and Visa and MasterCard, and it also notified the U.S. Secret Service.

Lesson Learned: Direct Marketing Services was forced into contacting the customers after the company CardCops, an investigative firm that tracks credit card thefts for the financial services industry, found more than 200,000 payment cards being offered for sale on an Internet chat room often visited by card thieves. Better to take the public relations role and confess the breach than possibly face data breach notification lawsuits by consumers and state attorney generals.

10. More Than $5 Million Taken By ATM Capers

The Automatic Teller Machine capers are hitting everywhere. In June, two men were charged with making hundreds of withdrawals from New York City ATMs, grabbing $750,000 in the process, using stolen information from a previous computer intrusion into a Citibank server that processes ATM withdrawals. One of the same accused also allegedly took $5 million in withdrawals from iWire prepaid MasterCard accounts.

Lesson Learned: While Citibank denied the indictment’s charge that their server had been breached and blames a third-party transaction processor for the compromise, it still meant it had to notify and reissue new debit cards to those customers that the bank believed were exposed to increased risk.

The Top 10 Data Breaches of 2007 – CSO Online

About the Author

APRPEH is a seasoned identity theft investigator having helped numerous consumers with identity theft matters.

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