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Friday, March 2, 2012
Health Note: Miracle Solutions for Dry Skin #2
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Thursday, March 1, 2012
ATM PIN Numbers: Easier to Steal than You Think
I've always thought that losing one's ATM card was an inconvenience, but not a likely source of pain, since even a bad guy who finds it wouldn’t have much luck guessing the PIN. Oops. Not true, it turns out, according to researchers at the Computer Laboratory of University of Cambridge.
They found that the odds of cracking a lost card's four-digit pin are just under 10 percent if you've been foolish enough to select "a really dumb pin," they said. If you've been smarter, the odds decrease to about 1 in 18.
Because my checking account was compromised recently, I'm very aware of scams and hacks that might lead to another painful incident, so this one got my attention.
The very worst PIN you can pick is one of the most common: your birthday. If you do, and your lost wallet contains your driver's license -- and whose doesn't -- you're in trouble. "The lesson for cardholders is to never use one's date of birth as a PIN. The lesson for card-issuing banks is to implement a denied PIN list, which several large banks still fail to do," said the researchers. Another very common dumb PIN is a simple number sequence, like 1234, which also should be banned, they said, but often isn't.
The researchers noted that different banks have different standards covering PINs they'll accept. They found, for example, that Bank of America and Wells Fargo let customers choose "1234" as a PIN, while Citibank does not. Similarly in England, the venerable Loyd's bank and The Co-Op Bank allowed the dumb pin, while others would not.
ATMs aren't the only place that PINs play a security role. Four-digit codes are also used on keypads used to unlock doors, smartphones and voice mail accounts.
In 2009, some 32 million passwords were stolen from an online gaming site called RockYou and then made public. Those passwords, plus a smaller database of iPhone log-ins and an online survey of some 1,100 Web users form the basis of the University of Cambridge research paper.
The survey found about one-third of the people interviewed who have more than one ATM-accessible account use the same PIN. And 53 percent share their PIN number with someone else, usually a family member.
It also revealed that people aren't very imaginative when it comes to choosing their PIN: 29% used their own birth date, 26% the birth date of a partner or family member, and 25% an important life event like an anniversary or graduation. If someone, say a teenager who wants to supplement his or her allowance with a quick trip to your bank account, manages to get your ATM card, it wouldn't take a huge amount of brain power to guess that you've used one of those important dates as a PIN.
Ultimately, the best defense is really up to the banks, the researchers conclude. We'd all be safer if users were simply given a complex code and not allowed to select their own PINs. Of course, a lot of us would have trouble remembering those random numbers and would do really dumb stuff like writing them on the back of the ATM card or on a slip of paper in our wallet.
Because my checking account was compromised recently, I'm very aware of scams and hacks that might lead to another painful incident, so this one got my attention.
The very worst PIN you can pick is one of the most common: your birthday. If you do, and your lost wallet contains your driver's license -- and whose doesn't -- you're in trouble. "The lesson for cardholders is to never use one's date of birth as a PIN. The lesson for card-issuing banks is to implement a denied PIN list, which several large banks still fail to do," said the researchers. Another very common dumb PIN is a simple number sequence, like 1234, which also should be banned, they said, but often isn't.
The researchers noted that different banks have different standards covering PINs they'll accept. They found, for example, that Bank of America and Wells Fargo let customers choose "1234" as a PIN, while Citibank does not. Similarly in England, the venerable Loyd's bank and The Co-Op Bank allowed the dumb pin, while others would not.
ATMs aren't the only place that PINs play a security role. Four-digit codes are also used on keypads used to unlock doors, smartphones and voice mail accounts.
In 2009, some 32 million passwords were stolen from an online gaming site called RockYou and then made public. Those passwords, plus a smaller database of iPhone log-ins and an online survey of some 1,100 Web users form the basis of the University of Cambridge research paper.
The survey found about one-third of the people interviewed who have more than one ATM-accessible account use the same PIN. And 53 percent share their PIN number with someone else, usually a family member.
It also revealed that people aren't very imaginative when it comes to choosing their PIN: 29% used their own birth date, 26% the birth date of a partner or family member, and 25% an important life event like an anniversary or graduation. If someone, say a teenager who wants to supplement his or her allowance with a quick trip to your bank account, manages to get your ATM card, it wouldn't take a huge amount of brain power to guess that you've used one of those important dates as a PIN.
Ultimately, the best defense is really up to the banks, the researchers conclude. We'd all be safer if users were simply given a complex code and not allowed to select their own PINs. Of course, a lot of us would have trouble remembering those random numbers and would do really dumb stuff like writing them on the back of the ATM card or on a slip of paper in our wallet.
Consumer Tech Radar
Wednesday, February 29, 2012
5 Ways to Dress for Success on a Budget
For young professionals, dressing appropriately for work can be just as important as showing up at meetings on time or making project deadlines. With a professional wardrobe, you can help battle negative stereotypes associated with Generations X and Y and show the higher-ups that you’re serious about your career, says Hallie Crawford, a career coach based in Atlanta. "You want to let people know that, despite your age and lack of formal professional experience, you care about your job and take it seriously," she says. But how can you afford a wardrobe for the office on an entry- or mid-level salary? Here are five expert tips on how to stock up on work essentials that are professional, stylish and budget-friendly:
1. Take Stock of What You Already Own
Before buying anything new, browse your closet for basic pieces that you already have, says Barbara Mesecke, vice-president and general merchandise manager for Sears’ Ready-to-Wear division. A few items she recommends you check for: a black dress, a blazer, a pair of trousers and several colored button-down shirts.
Kathryn Finney, founder and editor of the style blog The Budget Fashionista, recommends assessing your wardrobe on a cost-per-wear basis to help you gauge which clothes are worth your investment. “If you have a brown dress that you wear to work three times a month, then you’ll probably want to buy more similar items because it’s something you obviously like and wear often,” she says.
2. Keep Your Work Wardrobe Classic
With their timelessness and versatility, several key items will help you get the most value out of your attire. For men, a solid navy or gray suit goes great with a variety of shirt and tie combinations, says Melissa Merrit, a customer relationship and personal styling director for Nordstrom.
Women need a pair of trousers, a single-breasted one- or two-button blazer and a pencil skirt that hits mid-knee, says Alia Ahmed-Yahia, chief style director for LOFT. You don’t need all three to be the same color, she says, but if you go that route, pick a classic shade like black or charcoal gray so you can wear them together or separately.
You don’t have to shop at expensive boutiques for work clothes. You can find all of these essentials at reasonable prices. For example, a woman’s suit jacket at Bloomingdale’s retailed for $277 in mid September, but I found a similar single-breasted blazer at Macy’s for just $100, more than 60% cheaper.
You can buy suits off the rack at stores such as Men’s Wearhouse for considerably lower prices than those that are custom-made or designer brands. For example, a lightweight wool suit by Armani at Bluefly.com, an online designer fashion store, was on sale for $1,285 in mid September. But at Jos. A. Bank, a retail store that specializes in menswear, I found a similar suit on sale for $208.
3. Know When It’s Worth Spending a Little Extra
If you decide to splurge and buy a higher-quality item or two for your new office wardrobe, focus on the things you’ll be using every day, Finney says. For example, if you use a tote bag to carry your laptop to and from work, going for a higher-quality bag that will last makes sense.
Spend any extra cash on pieces that are classic rather than trendy, says Yujin Wood, co-owner and editor of WorkChic.com. A few items worth the splurge may be a sturdy, structured handbag or briefcase, a business suit, a watch and a trench coat.
For these kinds of purchases, consider registering for private-sale shopping sites, such as BeyondTheRack.com, Gilt.com, Ideeli.com or RueLaLa.com. All offer deeply discounted deals for a limited time only on designer clothes, shoes and accessories. For example, in mid September, I found a wool cardigan by 3.1 Phillip Lim that was marked down to $139 (originally $339) on Gilt, and a vinyl tote bag by London Fog on sale for $70 (originally $150) on Ideeli. The trick with these sites is to log-on and make your purchases right when the sales are posted, as many deals tend to sell out within a couple of hours (see What You Need to Know About Private Sales).
4. Shop at Outlet Malls and Discount Retailers
You can also snag some higher-quality clothing, such as suit separates, coats and shoes, at marked-down prices by shopping at outlet malls. Many high-end clothing stores that a younger worker with a limited budget might not be able to afford, such as Neiman Marcus, Tahari and Theory, offer outlet locations.
Plus, two of the major outlet companies in the U.S., Premium Outlets, which boasts daily deals of up to 65% off, and Tanger Outlets, which touts a “guilt-free shopping experience” because of their low prices, offer VIP shopping clubs. Members receive exclusive online coupons that take an additional percentage off sale items.
Among the downsides to outlet shopping, however, is that you’re limited to what’s available at that time, says Sarah Lahey, co-author of the “Born to Shop” travel guide series. Also, “[there are] no special orders, no tailoring and often no returns. So it’s important to buy wisely.”
You can also try shopping at discount retailers, such as T.J. Maxx and Marshalls. I worked at the former for a year while in college to earn some extra cash and to feed my growing shopping addiction (two words: employee discount). While I did score some stylishly cheap finds -- several of which are still in regular rotation in my closet more than a decade later -- many items in the store were either out-of-season, irregular or slightly damaged. Take that into consideration before stocking your entire work wardrobe at these types of retailers. You may end up spending the cash you saved having to alter or repair problem clothing.
5. You'll Find Great Deals Shopping Online
If you don’t feel up to fighting the crowds at the mall or outlet, you can also find bargains on the Web. “Online clothing stores like Asos.com and ModCloth.com offer the latest trends, as well as classic styles, for men and women at reasonable prices,” says Wood. But keep in mind: With online purchases, you can’t try the clothes on. And exchanging or returning items may have to work around the mail’s schedule, unless you can take care of any issues in person at a brick-and-mortar store.
To do some comparison shopping before clicking the “buy” button, Wood suggests visiting sites, such as ShopStyle.com and MyShoes.com, that allow users to search through a wide selection of brands and prices for specific clothing or accessories, even drilling down to color and size. For example, when I typed in a search for “men’s blue dress shirt” at ShopStyle, a range of options showed up in the results -- from a Prada classic blue striped spread-collar shirt for $310 at Bluefly.com to a Club Room blue stripe French-cuff shirt for $50 at Macy’s.
By Andrea N. Browne, Channel Editor
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