Wednesday, September 28, 2011

Why is it so hard to enter the CAPTCHAs

Get to know how the Methods Cheaters Use to Crack CAPTCHAs

Do you know why CAPTCHA codes are so hard to enter? Cheaters can use bots to enter sweepstakes for them or vote for their contest entries, exploiting code to enter more often than the rules allow. However by using on sweepstakes forms, will CAPTCHA codes prevent bots?

Anyways it is like a game of cat and mouse, cheaters are always trying to crack CAPTCHAs, and companies are trying to strengthen their security to make them harder to get around and at the mean time, regular people are feeling hard to enter the codes.

Use OCR to Avoid CAPTCHA

The way OCR, which stands for Optical Character Recognition, is for computers to identify text from images. If you want to scan a document into your computer and edit it like any of your electronic documents, you'll scan the image into the computer and then the related text will be generated from the OCR software. Cheaters can use OCR software to break the code with a perfect, clear text CAPTCHA. 

It is the reason that so many CAPTCHA codes are blurry, have wavy lines behind them, turn the letters sideways, or otherwise make it hard to read the text.
When you are trying to scan a document, you'll notice that while many words scan through without problems, any smears or smudges on the paper, or anything else that makes the text a little unclear, there could be errors and confusing words generated from the OCR software. By this way the cheaters will not be able to break the code since the CAPTCHA codes are hard to read.

CAPTCHA Codes appearing in Other Websites

It is hard for computers to enter the CAPTCHAs automatically while it is easy for humans to solve it. However if you are unwittingly solving the CAPTCHAs it will not work.

By passing the code to other website, where people enter the code to get access to some other feature, cheaters and spammers could get around CAPTCHAs. It is working like when they are trying to get access to an (often pornographic) picture by solving a puzzle or typing a code.

So the CAPTCHAs expire very quickly because of the things above. If in every few seconds a new CAPTCHA needs to be entered, which could reduce the odds that cheaters can trick someone into typing the response very quick.

Get paid to Crack CAPTCHAs

There are some companies offering money to crack CAPTCHAs to those cheaters. They work in a similar method to the trick above, but they pass the CAPTCHA codes to people working in sweat shops in third-world countries to solve. Such kind of crack can be prevented by a fast-expiring CAPTCHA.

Poorly-Coded CAPTCHAs Exploited

It is possible to guess the desired result from the code or to have the same CAPTCHA accepted over and over again when some CAPTCHAs are not coded correctly. Fortunately, some free CAPTCHAs such as Google's Recaptcha can avoid the problem as this.

Extra words

It is considered to be illegal to circumvent CAPTCA because it violates the DMCA. As long as there's profit in circumventing CAPTCHAs, criminals will always look for new ways to crack them, while companies will try new methods to boost security.

Manage Effective Small Business Credit Card with 6 steps

It is the time to learn the 6 steps to effective small business credit card management since the growing popularity of small business credit cards and ever changing interest rates.
For small business we’ve entered into a new age of credit. New opportunities apply but credit debt still needs to be approached with caution. Over 2/3 of small businesses use a credit card for expenses with only 40% using a business credit card exclusively, as indicated by a Tower Group report. Use a small business credit card over a personal card is necessary or not?
Your small business credit card can provide many benefits including with prudent use and management:
Small Business Credit Cards’ Features
  • Avoid Co-mingling: Create potential tax and money management problems by mixing your business and personal transactions. You will let the IRS and anyone else know you are serious about your business by using a small business credit card,.
  • Easy Itemization: For small business owners tracking your business expenditures at year-end can be a nightmare. Many credit card companies will provide you with a year-end statement summary with your transactions itemized and categorized. Why worry about a shoebox full of receipts? With a small business credit card you can organize your bookkeeping process.
  • Build Business Credit: A newly established business the opportunity provided by a small business credit card can build business credit. As your business grows and you need capital in the form of credit lines or loans you will find this will be useful.
  • Special Rewards: The development of reward and discount programs for small business credit card users was developed by the competitive credit card and business market. Discounts and rewards range from office supplies and travel to software and phone services. Take advantage of using the credit card to lower your expenses.
  • Manage Employee Spending: The ability to provide cards for your employees with preset limits is another plus to small business credit cards. People can monitor their spending on the separate statements you receive.

Monday, September 26, 2011

Let me tell you how to make money from the disk Filesonic

Many people do not know the features of PPS and PPD from Filesonic, they are feeling hard to take action in both of them. Here you will see a universal explanation.
Filesonic network drive people online to make money with ways of flexibility. So we have to understand which one is the better for you and worth to try. PPD (pay-per-click to download) is good for beginners and PPS (pay by the number of sales) is good for those have a big site with much traffic.
First for PPD, as a newbie you have to take a look at the rate of the PPD rate in Filesonic. Then try to upload some files and promote them, analyze it and learn the basic operation.
Second for PPS, more of this inside the doorways to make a decision.

(1) 65% sales commission
Note: This is 65% including 60% of the sales commission
and 5% commission inside the site!
For example, a senior member for $9 per month, by choosing this mode you will earn $5.4 per sale as revenue, and if the sale is from your website (or your blog), there will be $0.45 to you as extra commission, so you will make total $5.4+$0.45 = $5.85 as a final income.
Advice for (1): in this mode, there should be a large number of series stuff to be listed and the webmaster should be able to update the similar contents frequently. Imagine you were the visitor of the site, you want to download the stuff of this area and in need of it for a period of time, you could consider buying a 3-month premium member or even a yearly member. By this way, you will boost the income. You can try to calculate by 60% or 65%.
(2) Half to Half (divided into 2 modes)
50% of the PPD (by downloads) +30% sales commission
50% of the PPD (by downloads) +
$5 for each sale
Now that you have read the explanation about the 65% commission above, there is only one tip to remind in (2): no matter what sale generated, you could only have $5 rewarded from each one.
(3) FX10
The famous FX10 means that no matter you have one-month sales or one-year sales, each will give you a sale commission of a fixed $10!

First, you have to choose the
$15 per sale mode which was $10 per sale mode before.
Second, the number of total sales from the previous week will determine the rate of the income in the next week.
if you have 0-6 sales during the previous week, the rate is $10/sale in this week
if you have 7-13 sales during the previous week, the rate is $11/sale in this week
if you have 14-20 sales during the previous week, the rate is $12/sale in this week
if you have 21-27 sales during the previous week , the rate is $13/sale in this week
if you have 28-34 sales during the previous week, the rate is $14/sale in this week
if you have more than 35(include 35) sales during the previous week , the rate is $15/sale in this week. So you understand now that the commission of the sales in this week will be impacted by the level of the sales during last week directly.

(4) Elite Plan
when you have reached a certain level at Filesonic you will be able to apply the elite plan. The members will be able to cash out when they have a minimum of $300 in the balance.

Now that you know the detail of the feature of Filesonic, what to do the next is in your mind. Good luck!

Elliott Chow

Some income displaying(not from me) to drive you!!!

Sunday, September 25, 2011

First Credit Card Launched

Credit card has become a way of life to charge for products and services today. People could charge a product or a service without bring cash in their hands. They do not need to carry cash to buy things for convenience. Some of them could purchase an item that they can’t afford currently. It is a twentieth century invention to have launched credit card.

People should pay cash for almost all products and services at the beginning of the twentieth century. In 1950, a credit card that could be used at more than one merchant was invented since there were individual store credit accounts increased at the early of last century. Frank X. McNamara and two of his friends started it.

A Famous Supper in New York

One day in 1949, the head of the Hamilton Credit Corporation, Frank X McNamara who went out to eat with Alfred Bloomingdale, McNamara's long-time friend and grandson of the founder of the Bloomingdale's store, and Ralph Sneider, McNamara's attorney. The three men were eating at Major's Cabin Grill, a famous New York restaurant located next to the Empire State Building, to discuss a problem of the Hamilton Credit Corporation from customers. 

One of McNamara's customers had borrowed some money but was unable to pay it back at the present. This particular customer had gotten into trouble, when he had lent a number of his charge cards (available from individual department stores and gas stations) to his poor neighbors who needed items in an emergency. For this service, the man required his neighbors to pay him back the cost of the original purchase plus some extra money. Unfortunately for the man, many of his neighbors were unable to pay him back within a short period of time and he was then forced to borrow money from the Hamilton Credit Corporation because he had no money to spend on a meal. 

Until one day McNamara reached into his pocket for his wallet so that he could pay for the meal (in cash) at the end of the meal with his two friends. He was shocked to discover that he had forgotten his wallet. To his embarrassment, he then had to call his wife and have her bring him some money. McNamara vowed it would never happen in the future. 

McNamara came up with a new idea - a credit card that could be used at multiple locations when merging the two concepts from that dinner, the lending of credit cards and not having cash on hand to pay for the meal. There should be a middleman between companies and their customers to support the concept.

The Middleman

Charge accounts became popular in the early twentieth century though the concept of credit has existed longer even than money. With the invention and growing popularity of automobiles and airplanes, people now had the option to travel to a variety of stores for their shopping needs. Various department stores and gas stations began to offer charge accounts for their customers which could be accessed by a card in an effort to capture customer loyalty. 

However, people needed to bring dozens of these cards with them if they were to do a day of shopping. McNamara had the idea of having only one credit card provided.
In 1950, a new company called the Diners Club started after McNamara discussed the idea with Bloomingdale and Sneider and the three pooled some money. The Diners Club was going to be a middleman. Instead of individual companies offering credit to their own customers (whom they would bill later), then by billing the customers and paying the companies, the Diners Club was going to offer credit to individuals for many companies.

At the beginning, stores would make money with their credit cards by keeping customers loyal to their particular store, thus maintaining a high level of sales. However, the Diners Club needed a different way to make money since they weren't actually selling anything. 

Since interest bearing credit cards came much later, there was nearly no profit from the credit card. In 1951, the companies who accepted the Diners Club credit card were charged 7 percent for each transaction while the subscribers to the credit card were charged a $3 annual fee, which made a good profit to Diners Club credit card.
Since salesmen often need to dine (hence the new company's name) at multiple restaurants to entertain their clients, the Diners Club needed both to convince a large number of restaurants to accept the new card and to get salesmen to subscribe. So salesmen focused a main group to McNamara's new credit company.

In 1950, only 200 people (most were friends and acquaintances of McNamara) were give a Diners Club credit card in New York where just 14 restaurants accepted the card. The cad were make of a paper stock with the accepting locations printed on the back, which was not the same as a plastic one as today.

At first, progress was difficult. Merchants didn't want to pay the Diners Club's fee and didn't want competition for their own store cards. Since there were a small number of merchants that accepted the card, the customers didn’t want to sign up as well. Anyways by the end of 1950, 20,000 people were using the Diners Club credit card as the growth of the concept of the card.

The Future

McNamara thought the concept was just a fad. In 1952, he sold his shares in the company for more than $200,000 to his two partners though the Diners Club continued to grow and by the second year was making a profit ($60,000).
In 1958, both American Express and the Bank Americard (later called VISA) launched, which became competitions to Diners Club credit card. After that the concept of a universal credit card had taken root and became popular around everywhere.

The knowledge of Social media marketing

The integrated marketing communication plans for personal, small business, corporate that are using social media marketing is popular today. The social media was defined as “a group of Internet-based applications that build on the ideological and technological foundations of Web 2.0, and that allow the creation and exchange of user-generated content.” by Andreas Kaplan and Michael Haenlein. Target markets could be connected to the integrated marketing communications such as a multifaceted orchestrated marketing and advertising practice organizations.
There are many features: advertising, personal selling, public relations, publicity, direct marketing and sales promotion can be promoted by the ways of integrated marketing communications. In the traditional marketing communications model, the content, frequency, timing, and medium of communications by the organization is in collaboration with an external agent, i.e. advertising agencies, marketing research firms and public relations firms. Anyways the way organizations communicate has been impacted by the growth of social media. The internet provides a set of tools that allow people to build social and business connections, share information and collaborate on projects online with the emergence of we2.0.

To attract attention and encourages readers to share the content with their social networks, the social media marketing programs is playing an important role upon the internet. When the user views a message that appears to come from a trusted, third-party source, as opposed to the brand or company itself, the content may be driven by mouth-of-mouth.

Today it is very easy to access to others online via social media. Increased communication for organizations fosters brand awareness and often, improved customer service. What’s more, to implement marketing campaigns social media serves as a relatively inexpensive platform for organizations. The barrier to entry in social media is greatly reduced with emergence of channels such as Twitter.


Companies can promote their products on an individual level via Twitter. The followers read the short messages that explain the product and when they are interested in the message they will visit the product via the short link attached with the message. The links can be linked not only to the product’s website, but also facebook profile, photos, videos, and so on. The companies can create loyal connection between product and individual which could lead to a large advertising opportunity with the interaction.


Compared to Twitter, you will find the profiles are more detailed in Facebook. They can display their products via videos, photos and long descriptions, etc. By videos people can show how to use the product, which can include testimonials as other followers can comment on the product pages. 


Companies can provide longer descriptions of products or services with blogs. It can introduce the reasoning and uses of the products with long description. Also Facebook and Twitter pages can be linked back to blogs. The product’s Twitter page also can be linked back to facebook as event reminders being sent. It is easy to update a blog when it is necessary.

Saturday, September 24, 2011

What is Paysafecard?

Paysafecard is popular in Europe works as an electronic payment method for predominantly online shopping and is based on a pre-pay system. It is based in Vienna, Austria and has been in existence since 2000. Paysafecard is used online for exchanging cash for electronic money in many countries; most of them are from Europe.  paysafecard has been involved with the eTEN programme, European Union started promoting the card in 2006.


It is becoming commonplace to use paysafecard to buy things at online stores today. For online purchases, most web shops only accept card payment online as an immediate payment method for convenience. Since many people do not have credit card to use online, paysafecard is a good way to be used instead.

How does it work?

People can buy a paysafecard at retailers which links to PayPoint and a secure 16 digital Pin printed on the card. The retailers are located in these countries now:
When the customers pay in an online shop, they enter the 16 digit number to process and so the paysafecard balance will be deducted. The amount can be as much as up to $1,000 though generally they are of the amount $10, $25, $50, $75 and $100.
The monthly fee for a paysafecard is $2, so the credit will be deducted every month. You can check the transaction history and production date of the paysafecard at the official site, enter the respective 16 pin code.

Where to use paysafecard

In the about 22 countries you can buy paysafecard, which is sold as eVoucher with unique numbers printed. There are up to 280,000 sales terminals in the world. You can use paysafecard in 3,500 web shops that accept it online. The categories of the shops can be: online games/gaming (including browser games, skill games, community games), music download sites, telecommunication services, gambling sites, travel and so on.

Wednesday, September 21, 2011

How did credit cards come from?

A consumer is of credit automatically with a credit card.

When a consumer does not have cash in hand he could buy goods or services by the method of credit. However a credit card is only an automatic way of offering credit to a buyer. The consumer can speed shopping transactions with a credit card that carries an identifying number. Without a credit card, what credit purchase would be? The sales person would have to record your identity, billing address, and terms of repayment which makes the things complicated.

It is written in Encyclopedia Britannica that "the use of credit cards originated in the United States during the 1920s, when individual firms, such as oil companies and hotel chains, began issuing them to customers." Anyways it is as far as from 1890 that we could find references to credit cards. The merchant offered credit and credit card to their customers to do sales at that time. By 1938, companies started offering credit cards to people. They can purchases with countless third parties with credit cards today.

The Material of Credit Cards

The credit cards could be made of different kind of materials such as metal coins, metal plates, and celluloid, metal fiber, paper, however most of the cards are made of plastic.

The First Credit Card from Bank

John Biggins, the person who invented the first credit card, is from the Flatbush National Bank of Brooklyn in New York. In 1946, Biggins invented the "Charge-It" program between bank customers and local merchants. The bank billed the customer who used the card while the merchants have deposited sales slips into the bank.

Credit Card of Diners Club

The Diners Club started issuing their credit card in USA from 1950. Diners’ Club founder Frank McNamara invented the Diners Club credit card which is intended to pay restaurant bills today. Any restaurant that accepts Diners’ Club credit card will provide service to their customers if they have the card. The credit card holder would pay the Diners’ Club after the Diners Club make payment to the restaurant. Since the customer had to repay the entire amount when billed by Diners Club, the Diners Club card was technically a charge card rather than a credit card at the beginning.

In 1958, American Express issued their first credit card. And later during the same year, Bank of America issued the BankAmericard (now Visa) bank credit card.

The Credit Cards Reputation

At the beginning, credit cards were promoted to be used on the road for traveling salesmen. There were more companies offered credit cards and advertised them as a time-saving device rather than a form of credit by the early 1960s. Then American Express and MasterCard launched successfully with good reputation.

The U.S. Congress begin regulating the credit card industry by banning the practices like the mass mailing of active credit cards to those who had not requested them By the mid-'70s. Anyways, not all regulations have been as consumer friendly. In 1996, the U.S. Supreme Court in Smiley vs. Citibank lifted restrictions on the amount of late penalty fees a credit card company could charge. Credit card with high interest rate was allowed by Deregulation as well.