Sưu Tầm Nên Biêt

[uncle_vinh]

Quý vị ở Mỹ đang tính về hưu cần biết:

Top 6 Myths About Social Security Benefits

Sponsored by
by Rich White
Friday, June 27, 2008
provided by


If you are confused by the advice some people are offering about Social Security benefits, you're not alone. In perhaps no other area of personal finance is more misinformation consistently provided. As a result, people often make the wrong decision about when to start receiving their Social Security benefits. This article aims to set the record straight.

Sources of Information

Let's begin with some general guidance. As you approach age 62, the earliest age at which Social Security retirement benefits can begin, you are entitled to free counseling from your local Social Security office. While the quality of this counseling is generally good, it can vary in depth and clarity depending on the knowledge and experience of Social Security employees.

More from Investopedia.com:

• Profit From Forex With Currency ETFs
• Shield Your Portfolio From Inflation for Real Returns
• Profit From Corporate Bankruptcy Proceedings

The definitive place for clear, accurate information is the Social Security Administration's comprehensive website. Once you are there, most of what you will need is located under the "Retirement" menu. The goal of this article is not to replace information from the Social Security Administration (SSA), but merely to summarize key points while focusing on and correcting common misconceptions.

Myth No.1 - It's usually a good idea to start benefits at age 62, as soon as you become eligible.

There are two schools of thought behind this idea. The first is that even if you do not need the money to cover your living expenses, you should take it so that it can be invested. Assuming you can invest the money successfully, you then may have more money available down the road than if you waited until full retirement age to start receiving benefits. (Note: For most people who will retire over the next decade, full retirement age is 66.)

The second school holds that "a benefit in the hand is worth more than promises in the bush." Take every dollar as soon as you can because Social Security retirement benefits (at current levels) may not continue much longer. This concept is based on a fear that Congress will scale back benefits to strengthen funding.

Reality - When to start Social Security is a complex decision that should be personalized for each individual, and it can involve many factors, ranging from the potential to continue working, to attitudes about longevity and inflation. Permanent reductions for starting benefits before full retirement age are assessed on a monthly basis, so there is no hurry to make the start-date decision. By waiting to start until three months after age 62, for example, you can avoid three months' worth of permanent benefit reductions. Clearly, individuals have different levels of confidence in their ability to "invest the difference" successfully. Some people don't want the extra pressure of having to invest critical retirement assets in uncertain markets.

As for the fear-based argument, Social Security benefits are not guaranteed, and Congress can make any future changes it wishes. But for both practical and political reasons, it may be more difficult to reduce the benefits of retired people who have already earned them by formula. There are two important ages for this purpose:

At age 60, your average indexed monthly earnings (AIME) are calculated, including the final year of indexing to the National Wage Index.
At age 62, individuals qualify for a primary insurance amount (PIA), which is their benefit payable monthly at full retirement age.
The SSA has a significant investment in technology and counseling resources behind these calculations, and individuals age 60+ rely on them for retirement-planning security. So, even if Congress should decide to reduce benefits, it could grandfather anyone who has already reached age 60 or above.


Myth No.2 - If you don't start benefits early, you must wait X years to "break even."

You may hear some financial pundits make claims such as: "Your breakeven age for starting Social Security benefits is age 77." By this, they mean: If you were to start benefits at age 62 instead of waiting until full retirement age, you would have more money in hand (on a time-weighted basis) through age 77.

Reality - There is no universal breakeven age, because the variables behind the calculation can change. They include:

the discount rate or time value of money,
the inflation rate, and
whether the benefit recipient is a worker or non-working spouse.
The permanent benefit reduction for starting early is greater for non-working spouses than for workers. Therefore, most non-working spouses can expect to outlive their breakeven ages You can also think of the discount rate or time value of money as the after-tax return you could earn by investing after-tax Social Security benefits from age 62 through full retirement age. However, keep in mind that up to 85% of benefits may be taxable for high-income seniors.

Finally, the breakeven point usually isn't the most critical issue in making the start-date decision. If you don't need the income to support your lifestyle from age 62 through 66, it's often best to wait. (See the Social Security Administration's Breakeven Calculator for more information.)


Myth No.3 - If you keep working after you start benefits early, you could permanently lose part or even all of your benefits.

Social Security currently reduces benefits by one dollar for every $2 of earned income above $13,560. This reduction continues until the start of the year in which you reach full retirement age.

Reality - It's true that your benefits are reduced if your earned income exceeds a threshold. For example, say your full retirement age is 66, you start benefits at 62, and you have earned income of $30,000 per year. You are $16,440 over the annual limit, so you will receive $8,220 less in benefits (50% of the difference). This reduction will continue until the start of the year when you turn age 66.

Some commentators say that it is wasteful to start benefits early and then continue to work and lose benefits for several years. However, this is not so. Any benefit reductions are only deferred, and Social Security will credit those amounts to your benefits record when you reach full retirement age. There are good reasons not to start benefits before full retirement age, but this one isn't high on the list.


Myth No.4 - If you keep working after full retirement age, you will keep paying FICA into the system but you won't earn any more benefit credits.

Most workers and their employers are subject to the Federal Insurance Contributions Act (FICA) withholding on earned income, regardless of the worker's age. Self-employed people pay the same rate in self-employment (SE) tax. The total FICA withholding or SE tax is currently 15.3%, up to $102,000.

Reality - Every dollar of earned income, up to any age, can result in increases in Social Security benefits. Social Security will automatically recalculate your primary insurance amount (PIA) every year in which you work. If one of your 35 highest indexed-earnings years is attained after you start benefits, then you will be credited with a higher benefit. However, you do not receive any help from annual wage indexing after the calculation made in your 60th year. As long as you keep paying FICA or SE taxes, however, you can potentially keep increasing your benefit. There is no disincentive in the Social Security system to keep working after you start benefits.


Myth No.5 - The tax on Social Security benefits isn't enough to worry about.

Modestly affluent seniors now pay tax on up to 85% of benefits. For example, an affluent senior has 85% of a $20,000 annual benefit taxed at a 25% marginal federal tax rate. The tax on benefits is $4,250 ($20,000 X .85 X .25).

Reality - There are three problems with discounting the tax impact on benefits. First, it is possible and perhaps likely that the taxable portion could increase to 100% in the future as a politically attractive way to strengthen the system's fiscal status. Secondly, if the Economic Growth and Tax Relief Reconciliation Act (EGTRRA) tax cuts are allowed to expire on schedule at the end of 2010, regular federal income tax rates may return to those that existed in 2000 and each of the current 25%, 28% and 33% brackets would increase by 3%. Thirdly, because benefits are paid monthly, they offer little tax-planning flexibility, unlike many other sources of retirement income such as Traditional IRA withdrawals prior to age 70.5.

Tax impact should definitely be considered in making Social Security decisions. In the example above, if 100% of benefits were taxable at 28%, instead of 85% at 25%, the tax would increase to $5,600, an increase of $1,350.


Myth No.6 - Social Security benefits don't really help seniors offset inflation.

This myth arises from a lack of understanding about how Social Security's annual cost of living adjustment (COLA) works. Also, it may involve a belief that retired people have better inflation-hedging tools available to protect their retirement incomes.

Reality - The COLA is perhaps Social Security's most powerful long-term planning benefit. For an 85-year-old person who started benefits 20 years ago, cumulative COLAs now provide more benefit than the starting benefit itself. Each year, all Social Security retirement benefits are adjusted dollar-for-dollar for Consumer Price Index (CPI) inflation, creating a direct offset against inflation (as measured by this index).

For many retired people, the COLA provides the only source of inflation-adjusted retirement income linked directly to the CPI. A similar benefit is available only in some types of immediate annuity and pension payouts. For individuals who don't receive income from immediate annuities or pensions, maximizing Social Security benefits can be one of the best ways to hedge retirement income against high inflation.

For individuals who live a very long time, any decisions to start benefits early at permanently reduced levels will reduce the longevity protection of lifetime benefits and the inflation protection of the COLA. Therefore, individuals who are in good health and have "longevity genes" in their families should carefully consider the long-term cost of starting benefits early. Keep in mind that the current COLA is not guaranteed and could be changed by Congress in the future.

Conclusion

In summary, knowing the reality about your Social Security benefits can be valuable in making sound choices - especially about when to start benefits and how to maximize their longevity and inflation protection. If you are still in doubt about the particulars, take the time to study the wealth of current information available from the Social Security Administration's website.

[uncle_vinh]

Muốn biết hàng sản xuất từ đâu,

bạn hảy coi 3 SỐ ĐẦU CỦA HÀNG SỐ ngay dưới BAR CODE:
Hàng Trung Cộng mang số bắt đầu 690, 691, hay 692,
còn số 471 chỉ hàng của Taiwan.

Mời các bạn xem thêm chi tiết dưới đây:

The whole world is scared of China made "black hearted goods". Can you differentiate which one is made in Taiwan or China? Let me tell u...the first 3 digits of barcode 690.691.692 are MADE IN CHINA
Number 471 is Made in Taiwan.

This is our human right to know, but the government and related department never educate the public, therefore we have to RESCUE ourselves.

Nowadays, Chinese businessmen know that consumers do not prefer products "made in china", so they don't show from which country it is made.
However, you may now refer to the barcode, remember if the first 3 digits are 690-692 then it is made in China.
00 ~ 09 USA & CANADA
30 ~ 37 FRANCE
40 ~ 44 GERMANY
49 - JAPAN
50 - UK

[uncle_vinh]

Sau đây là 10 Điều Cần Biết để bảo vệ computer:

Ten Commandments for Your Computer Sanity

1. Dont assume anything. Make some time to learn about securing your system.

2. Acquire and use a reliable antivirus program. Select an antivirus that has a consistent track record. Checkmark, AV-Test.org and TuV are among the most respected independent testers of antivirus software.

3. Acquire and use a reliable firewall solution. Again, independent reviewers are your best bet for reasonable choices. Some operating systems come with a firewall which only filters incoming traffic. Use a firewall that can control both incoming and outgoing Internet traffic.

4. Do not open e-mails coming from unknown or distrusted sources. Many viruses spread via e-mail messages so please ask for a confirmation from the sender if you are in any doubt.

5. Do not open the attachments of messages with a suspicious or unexpected subject. If you want to open them, first save them to your hard disk and scan them with an updated antivirus program.

6. Delete any chain e-mails or unwanted messages. Do not forward them or reply to their senders. This kind of messages is considered spam, because it is undesired and unsolicited and it overloads the Internet traffic.

7. Avoid installing services and applications which are not needed in day-by-day operations in a desktop role, such as file transfer and file sharing servers, remote desktop servers and the like. Such programs are potential hazards, and should not be installed if not absolutely necessary.

8. Update your system and applications as often as possible. Some operating systems and applications can be set to update automatically. Make full use of this facility. Failure to patch your system often enough may leave it vulnerable to threats for which fixes already exist.

9. Do not copy any file if you don't know or don't trust its source. Check the source (provenance) of files you download and make sure that an antivirus program has already verified the files at their source.

10. Make backups of important personal files (correspondence, documents, pictures and such) on a regular basis. Store these copies on removable media such as CD or DVD. Keep your archive in a different location than the one your computer is in.

[uncle_vinh]

Coi chừng: bạn hảy cận thận đừng vội trả lời qua WebSite trong Parking Ticket giả:
Parking tickets actually malware attacks in disguise

Thu Feb 5, 2009 12:02PM EST

The last place anyone would expect to face a computer security attack is on the windshield of their car in the form of a parking ticket.

But that's the latest -- and intensely clever -- way that hackers are attempting to goad people into visiting infected websites and willingly install malware on their machines.

The scam is instantly clever once you hear how it works: Hackers print up phony "PARKING VIOLATION" notices and plaster them on cars parked on the street. The phony ticket directs the car's owner to visit a certain website, and of course the website in question (which largely seems to comprise of photos of badly parked cars) is a hack site which attempts to install malware on your PC.

Essentially what we have here is a phishing attack that takes place in the real world instead of via email. The use of fliers on parked cars is what's truly ingenious: A similar attack sent via postal mail would probably have minimal effect, but people are incredibly protective of their cars, and I imagine these windshield fliers will actually have a pretty good percentage of people typing in the URLs typed on them.

The good news -- for now -- is that the fliers are extremely crude, printed on yellow paper and offering nothing in the way of legal language that would compel a sophisticated and naturally skeptical reader to even visit the website in question. Like the earliest email phishing attacks, this attack may be simplistic, but it's probably a precursor of more advanced attacks to come. When hackers scan in real parking tickets and reprint them, replacing the URL printed there with one for a sophisticated attack site, then the sparks are going to start flying. (Installing malware is boring by comparison... I expect the real attacks will involve collecting money and hijacking credit cards and bank accounts wholesale.)

This appears to be a very limited attack (reported only in Grand Forks, North Dakota) for the time being, but it's a good idea to keep your skepticism handy next time you receive a parking "violation," just in case.

[uncle_vinh]

Are You Wasting Money on Multivitamins?

By Simeon Margolis, M.D., Ph.D. -
Posted on Wed, Feb 11, 2009, 3:28 pm PST

Advertisements with tantalizing promises of improved health, prevention of cancer and heart disease, and greater energy have lured millions of Americans to spend billions of dollars on the purchase of multivitamins.

An article in the February 9 issue of Archives of Internal Medicine reported that multivitamin use did not protect the 161,808 postmenopausal women enrolled in the Women's Health Initiative Study from common forms of cancer, heart attacks, or strokes. And the numbers of deaths during the 8 years of the study were the same in vitamin users as in non-users. Still, it is important to recognize that this was an observational study, not a more meaningful clinical trial. Although these findings apply only to women, other studies have failed to show benefits of multivitamins in older men.

These results are not at all surprising for several reasons. No large study has shown that multivitamins significantly benefit healthy men and women. In addition, for some years physicians prescribed folic acid and vitamins B12 and B6 in the hopes of preventing heart attacks and strokes by lowering blood levels of homocysteine. (High blood levels of homocysteine are associated with an increased risk of coronary and other vascular diseases.) A number of recent studies, however, have shown that, while these vitamins do lower homocysteine levels, they do not prevent heart attacks or strokes.

Many doctors have also prescribed the antioxidants vitamin E and beta-carotene to reduce the risk of cardiovascular diseases and cancer. Alas, studies have now proven that these supplements are not protective--and may even be harmful.

No one denies that an adequate intake of vitamins is essential; however, vitamins can and should be obtained from eating enough healthy foods rather than from swallowing vitamin supplements.

Then what about vitamins being a great source of energy? Some multivitamin ads do indeed claim that their supplements boost energy; and some professional athletes gobble handfuls of vitamin pills to increase their energy and strength. But researchers proved long ago that energy comes from calories, not vitamins. The highly touted cholesterol-lowering effects of substances added to some multivitamin supplements? Still unproven.

All this is not to say that specific vitamins supplements are never desirable. Vitamins can be valuable in certain situations:

Folic acid supplements in women who are pregnant or plan to become pregnant can help to prevent serious neural-tube defects that affect the baby's brain and spine.

Supplements that contain more vitamin D and calcium than is present in regular multivitamin pills can help older men, and especially women, avoid osteoporosis and bone fractures.

Supplements of vitamins C and E, beta-carotene, zinc, and copper may slow the progression of vision loss in people with early macular degeneration.

And multivitamins are beneficial for some entire groups of people:

those on a very-low-calorie weight-loss diet
strict vegetarians
heavy alcohol drinkers
individuals who are not getting an adequate diet because they are too sick or too poor--or live by themselves and are unable to prepare proper meals for themselves

I also agree with a comment made by one of the coauthors of the Archives of Internal Medicine article about postmenopausal women mentioned above. An 8-year follow-up period may not be long enough to show that multivitamins protect against cancers that take many years to develop.

All the same, the results of the studies on vitamins so far point to one conclusion: Healthy people who eat enough calories from a varied diet do not benefit from multivitamin supplements.

[uncle_vinh]

Làm thế nào để biết computer của bạn đã bị virus?

Ngày nay, virus không còn làm computer ngừng hoạt động nữa.
Trái lại, kẻ gian còn làm cho computer chạy ngon lành hơn để bạn không nghi ngờ, để chúng có thể ghi lấy những ký hiệu bạn đã đánh đi, hoặc ăn cắp số thẻ tín dụng và mật tự mà bạn đã dùng trên mạng, hoặc lợi dụng máy của bạn để gởi spam đến máy khác.

Mời các bạn xem tiếp:

How to tell, what to do if computer is infected (AP)
Posted on Sun Mar 15, 2009 12:46PM EDT

- Computer-virus infections don't cause your machine to crash anymore.

Nowadays, the criminals behind the infections usually want your computer operating in top form so you don't know something's wrong. That way, they can log your keystrokes and steal any passwords or credit-card numbers you enter at Web sites, or they can link your infected computer with others to send out spam.

Here are some signs your computer is infected, tapped to serve as part of "botnet" armies run by criminals:

• You experience new, prolonged slowdowns. This can be a sign that a malicious program is running in the background.

• You continually get pop-up ads that you can't make go away. This is a sure sign you have "adware," and possibly more, on your machine.

• You're being directed to sites you didn't intend to visit, or your search results are coming back funky. This is another sign that hackers have gotten to your machine.

So what do you do?

• Having anti-virus software here is hugely helpful. For one, it can identify known malicious programs and disable them. If the virus that has infected your machine isn't detected, many anti-virus vendors offer a service in which they can remotely take over your computer and delete the malware for a fee.

• Some anti-virus vendors also offer free, online virus-scanning services.

• You may have to reinstall your operating system if your computer is still experiencing problems. It's a good idea even if you believe you've cleaned up the mess because malware can still be hidden on your machine. You will need to back up your files before you do this.

How do I know what information has been taken?

• It's very hard to tell what's been taken. Not every infection steals your data. Some just serve unwanted ads. Others poison your search result or steer you to Web sites you don't want to see. Others log your every keystroke. The anti-virus vendors have extensive databases about what the known infections do and don't do. Comparing the results from your virus scans to those entries will give you a good idea about what criminals may have snatched up.

[uncle_vinh]

Virus Conficker sẽ tấn công computers vào ngày mai thứ Tư 1 April.

Không ai biết hậu quả ra sao! Bạn chỉ có thể làm những điều sau đây:

1/ Chạy "Windows Update" để update computer, cũng như update "antivirus", nhưng nếu Conficker đã chực sẳn trong computer của bạn thì kể như chịu thua, kể cả antivirus của bạn cũng bị liệt luôn.

2/ Bạn có thể thử boot computer ở "safe mode", nếu không boot được thì có thể đã bị virus nầy chận rồi.

Bạn phải dùng dụng cụ đặc biệt để khử Conflicker thôi! Hảy vô Website của antivirus của bạn coi có chỉ dẩn gì để chống lại virus nầy không.

Những cách sau đây sẽ không hiệu nghiệm:

- Tắt máy tối nay 31/3 và mở lại vào ngày mốt 2/4, và
- Sữa lịch trong computer.

Bạn nào dùng Mac computer thì "an toàn xa lộ!"

----------------------------------------------

Bạn hảy bấm vô site của BitDefender mà xem cách khử virus nầy:

BitDefender tin là Website của họ không bị Conflicker chận:

http://www.bdtools.net/
http://www.bdtools.net/how-to-remove-downadup.php

Vô đó bạn có thể làm được 2 việc:

A/ Thử coi máy của bạn có bị nhiểm trùng chưa,
B/ Cách dùng dụng cụ nầy để khử trùng Conficker

How to use the removal tools

Home Users

1.Just download the removal tool (.zip file - 2.2MB), double click on it, chose "Extract all files..." from the File menu, and follow the wizard's instructions. You can use any other archiver, like WinZip. This will create a folder called bd_rem_tool.

2.Inside it, find the program called "bd_rem_tool_gui.exe" (or just "bd_rem_tool_gui") and double click on it. It is very important to extract all the files from the zip archive, and not only bd_rem_tool_gui.exe, because all the other files are needed for the disinfection. Then follow the tool's instructions.

3.If you have Windows Vista with User Acccess Control enabled, or if you are running as a restricted user in Windows XP, right click the "bd_rem_tool_gui" program and choose "Run as Administrator". You will be prompted to enter credentials for an admin account.

4.We recommend a system reboot after the disinfection is complete, to restore full internet access.

5.If you don't already have permanent antivirus protection or if your current antivirus has failed you, consider using the advanced protection tool provided by BitDefender.

--------------------------------------------

Last-minute Conficker survival guide

Tue Mar 31, 2009 1:42PM EDT

Tomorrow -- April 1 -- is D-Day for Conficker, as whatever nasty payload it's packing is currently set to activate. What happens come midnight is a mystery: Will it turn the millions of infected computers into spam-sending zombie robots? Or will it start capturing everything you type -- passwords, credit card numbers, etc. -- and send that information back to its masters?

No one knows, but we'll probably find out soon.

Or not. As Slate notes, Conficker is scheduled to go "live" on April 1, but whoever's controlling it could choose not to wreak havoc but instead do absolutely nothing, waiting for a time when there's less heat. They can do this because the way Conficker is designed is extremely clever: Rather than containing a list of specific, static instructions, Conficker reaches out to the web to receive updated marching orders via a huge list of websites it creates. Conficker.C -- the latest bad boy -- will start checking 50,000 different semi-randomly-generated sites a day looking for instructions, so there's no way to shut down all of them. If just one of those sites goes live with legitimate instructions, Conficker keeps on trucking.

Conficker's a nasty little worm that takes serious efforts to bypass your security defenses, but you aren't without some tools in your arsenal to protect yourself.

Your first step should be the tools you already have: Windows Update, to make sure your computer is fully patched, and your current antivirus software, to make sure anything that slips through the cracks is caught.

But if Conficker's already on your machine, it may bypass certain subsystems and updating Windows and your antivirus at this point may not work. If you are worried about anything being amiss -- try booting into Safe Mode, which Conficker prevents, to check -- you should run a specialized tool to get rid of Conficker.

Microsoft offers a web-based scanner (note that some users have reported it crashed their machines; I had no trouble with it), so you might try one of these downloadable options instead: Symantec's Conficker (aka Downadup) tool, Trend Micro's Cleanup Engine, or Malwarebytes. Conficker may prevent your machine from accessing any of these websites, so you may have to download these tools from a known non-infected computer if you need them. Follow the instructions given on each site to run them successfully. (Also note: None of these tools should harm your computer if you don't have Conficker.)

As a final safety note, all users -- whether they're worried about an infection or know for sure they're clean -- are also wise to make a full data backup today.

What won't work? Turning your PC off tonight and back on on April 2 will not protect you from the worm (sorry to the dozens of people who wrote me asking if this would do the trick). Changing the date on your PC will likely have no helpful effect, either. And yes, Macs are immune this time out.

[Do Huynh Ho]

Phương cách bảo vệ sổ địa chỉ (email address book)

Một nhân viên kỷ thuật về điện toán đã cho biết rằng đây là một cái mẹo quý như vàng! (Và là một cái mẹo rất hay!).
Như quý vị đã biết là một khi mà các chú "virus" chui vào máy "computer" thì nó sẽ chạy thẳng đến cái sổ địa chỉ (email address book) của quý vị, và tự gởi đi một cái email đến tất cả những người ở trong cái danh sách ấy .Vậy là tất cả các bạn bè của quý vị và những người liên hệ sẽ bị dính chấu .
Cái mẹo này không ngăn cản được những tai hại mà các chú "virus" này sẽ gây ra cho máy "computer" của quý vị, nhưng sẽ chận đứng được việc sử dụng cái sổ địa chỉ này để truyền đi và gieo rắc thêm tại họa, và đồng thời cũng sẽ giúp quý vị nhận biết được rằng các chú đang ẩn núp trong máy của quý vị .
Và đây là việc mà quý vị cần phải làm - rất đơn giãn
Trước hết, hảy mở cái sổ địa chỉ (có chổ gọi là "Contacts" có chổ là "Address book" ...) rồi bấm vào "New Contact", làm giống như là quý vị đang bỏ thêm tên của một người bạn vàng vào cái sổ địa chỉ của quý vị.
Ở "cái khung cửa sổ" ( - window) nơi mà để điền tên (của người bạn vàng) thì quý vị hảy đánh vào chữ (mẫu tự) "A" .
Về phần địa chỉ (email address) thì hảy đánh vào "0000000@000. 000".
Và xin giải thích là cái đia chỉ trên đây sẽ có tác dụng và đem lại ích lợi gì cho máy "computer" của quý vị .
Cái tên "A" sẽ được sắp đứng đầu danh sách trong cái sổ địa chỉ của quý vị, như thể là cái tên này đã được gán cho số "nâm-bờ-woanh" dzậy đó .
Và chính đây cũng là cái địa chỉ đầu tiên (trong danh sách) mà các chú "virus" mon men đến để bắt đầu gởi email đi, để rồi từ đây các chú sẽ lần lượt gởi đến cho tất cả mọi người có tên nằm trong cái sổ địa chỉ
của quý vị . Nhưng , khi mà các chú gởi đi cái email có địa chỉ "0000000@000. 00" thì cái email này sẽ bị dội ngược trở lại vì cái địa chỉ đó là một địa chỉ ma. Và một khi mà đã bị thất bại (như trong trường hợp này đây) thì các chú "virus" sẽ chào thua và không thể nào truyền bịnh cho máy của các thân hửu của quý vị được . !
Và đây là sự hữu ích thư hai của cái phương pháp đơn giãn này :
Một khi mà một cái email bị dội ngược lại thì máy sẽ báo cho quý vị biết ngay . Do đó, nếu quý vị nhận được email (trả về) cho biết là đỉa chỉ "0000000@000. 00" không có trên trần gian này ( ) thì quý vị sẽ
biết ngày là các chú đặc công, nằm vùng đảng ẩn núp trong máy của quý vị . Vậy là quý vị cứ tự tiện dùng những thứ vủ khí đang có trong tay để truy lùng và diệt địch . Đáng đời các chú nhé!

[uncle_vinh]

Anh Hổ thân,

Tôi không nghĩ là cách nầy có hiệu quả, bởi vì chỉ có email gởi đến địa chỉ "A" bị trả lại nhưng email đến các địa chỉ khác vẩn đi chứ không bị chận. Phương pháp duy nhất là computer của mổi người phải có antivirus hiệu nghiệm thì mới lọc được email bị đặc công nằm vùng trà trộn mà thôi.

Một trong những triệu chứng để biết máy của mình có thể bị nhiểm trùng là khi boot, thì máy mở rất là chậm. Các bạn có thể vô xoftspy.com và download miễn phí xoftspySE Scanner mà khử trùng máy của mình.

Một điều cần biết là đừng xài 2 software antivirus cùng 1 lúc vì chúng sẽ dành nhau và cũng làm cho máy bị chậm lại.

Xin mời mọi người góp ý.

[uncle_vinh]

5 Scams Foolish Tourists Always Fall For

by Debra Ronca

5: Fake Police Officers

Nothing's For Free, Folks

You can get scammed before you even pack a bag. Many people have fallen victim to the "You've won a free trip to Florida!" phone call trick. A salesperson tells you you've won a trip to Florida or the Bahamas, and asks for a credit card number for verification. Your card is charged, but you never hear from the company again. Remember -- if it sounds too good to be true, it probably is.
In any country, police personnel are supposed to be on your side. However, it's also easy for scam artists to pose as police -- and use that implied authority to take your money. Here's how they do it.

Most swindles take place in any popular tourist destination. If you're a tourist, you're probably not familiar with the typical law enforcement uniforms, so it's easy for anyone to put on something that looks official. In this scam, a person claiming to be a police officer approaches you. He will tell you there's been a problem in the area with counterfeit bills and ask to check your wallet for any offending currency -- all under the pretense of "protecting" you.

The fake police officer will then rifle through your wallet, giving it back to you with an "all clear." He'll be long gone by the time you realize some of your money is missing. Variations on this scam include fake authorities at train stations, roadblocks and other official sites. Sometimes they'll just grab your wallet or passport and run.

How do you avoid falling victim? Don't voluntarily hand your wallet or passport over to anyone, ever. Know what the area's law enforcement uniform looks like. Ask for identification numbers and names if in doubt about someone's identity.

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