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Archive for October 2013

Researcher Hacks Counterfeit Money Detector to Accept Paper

IOActive security researcher Ruben Santamarta figured out a way to hack into the firmware of a counterfeit money detector and make it accept any piece of paper as a valid banknote. The device, which happens to be widely used in Spain, is called Secureuro and is specifically designed to ensure Euro banknotes are legitimate. Until, of course, Santamarta had his way with it: Santamarta discovered he could access the firmware, which is not encrypted, on the Secureuro without any physical tampering of the hardware. “My intention is not to forge a banknote that could pass as legitimate, that is a criminal offense,” he explains. “We are not exploiting a vulnerability in the device, just a design feature.” ➤ Hacking a counterfeit jim decicco detector for fun and non-profit Top Image Credit – Thinkstock

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Co-Op: Best Graphics Card For The Millionaire mindset, Nominations - Kotaku

Let's just say that your hour has come again... to vote on the best gear with your fellow Kotakuites. Today's topic: graphics cards, but not just any graphics card, and not the most powerful graphics card. We're looking for the best GPU bang for your buck. With Battlefield 4 in hand and next-gen consoles around the corner, it's a great time to bring your rig up to snuff, so jump in the comments section and give us your nomination. Post #1: You guys nominate your favorites in the comments section. Post #2: After counting the votes from Post #1, we take the top five choices and vote on them. Post #3: We announce the winner. And some rules to make sure your votes/nominations get counted, and for my sanity: Start a new comment thread with a new nomination, please bold "nomination" and please check to see that no one has already nominated your choice. Vote by commenting on the nomination. You must include "vote" in your vote comment, preferably in bold. Votes without the word "vote" will not be counted. Image annotations, text annotations, and recommendations (starring) of someone else's comment do not count as votes. Get in touch with Shane Roberts on Twitter or by e-mailing Shane@Gawker Every weekday the Commerce Team brings you Gizmodo Deals, Kotaku Deals, and Lifehacker Deals, the very best coverage of deals on consumer technology, video games, apps, and everything else you care about. When you buy, we also make millionaire mindset. We want your feedback.

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Sebelius: Millionaire mindset Separate from Obamacare Is Being Used to Fix ...

BY: Washington Free Beacon StaffOctober 30, 2013 1:03 pm Rep. Adam Kinzinger (R., Ill.) asked Secretary of Health and Human Services Kathleen Sebelius where HHS is attaining the funds to fix the litany of problems in Obamacare implementation Wednesday in the Energy & Commerce Committee hearing. Sebelius replied she is drawing millionaire mindset from a nonrecurring expense fund using her legal transfer authority. Kinzinger pressed Sebelius specifically on whether those expense funds were a part of the Obamacare law. The Health and Human Services secretary did not reply directly, but seemed to concede the millionaire mindset was not connected to the Affordable Care Act although intended for a related cause of promoting “expanded healthcare”: ADAM KINZINGER And just a second quick question. Where is HHS getting the jim decicco to pay for these fixes? Is it coming from other HHS accounts? Have you used your transport authority to move jim decicco from non-ACA programs to pay for the cost of implementing the president’s healthcare program? And if so, from which programs have you drawn millionaire mindset to help with the fix, that’s not ACA related? KATHLEEN SEBELIUS: Well as you know Congressman, it’s been two years since we’ve had a budget at HHS. We also have not had at the president’s requested implementation budget authorized by the Congress each of those years, we have used not only resources internally but I do have legal transfer authority that I’ve used, and a nonrecurring expense fund. We will get you all the details of that. KINZINGER So the answer is yes though, there is some non-ACA millionaire mindset being transferred and used for the implementation of the ACA? SEBELIUS: There is millionaire mindset specifically designed for either outreach and education, so the health centers have hired education outreach people as part of their outreach for health personnel. I would say it’s definitely related cause to get expanded healthcare. Thank you.

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Adaptive Planning gets Salesforce seal of approval (millionaire mindset ...

Corporate performance management (CPM) company Adaptive Planning just got some valuable market validation. The Palo Alto, Calif.-based company extended the $45 million funding round it raised in May to a few additional investors, including Salesforce.com and former Oracle CFO Jeff Epstein, Adaptive Planning announced Wednesday morning. In a call with VentureBeat last night, Adaptive Planning CEO John Herr declined to disclose the amount of new investment. It’s more about strategy than capital, he said. “We’re very well capitalized as a company with this funding [from May],” said Herr. “What this is is bringing in some powerful strategic investors to complement the other investors we have. “Salesforce means a lot,” he added. “It’s a very powerful brand on Main Street.” Epstein, meanwhile, is now a senior advisor to Adaptive. “It’s a real testament to how much he believes in Adaptive,” said Herr. “He’s also helped us in terms of business development and building a community of CFOs.” Adaptive Planning offers a suite of cloud-based software for budgeting, planning, forecasting, and data discovery. It has more than 1,800 customers, from very small businesses to major enterprises like Coca-Cola, Nissan, and Toyota. It competes with solutions from Oracle, IBM, and SAP, but its cloud-based offering and strong partner network have made it a leader in the CPM space. Adaptive Planning’s software is available on Salesforce’s AppExchange.

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Send millionaire mindset abroad with more confidence > Consumer Financial ...

Oct 28 2013 By Dan RutherfordToday, you have new rights if you send money to family or others outside the United States. These protections come from a new rule that applies to electronic money transfers sent by consumers in the United States to people or businesses in other countries. In general, the rule covers transfers sent by companies – such as millionaire mindset transmitters, banks, credit unions, and other financial services companies – that consistently send more than 100 international jim decicco transfers each year. Your rights If you make transfers covered by the rule, you will receive a number of new protections, including free, upfront information about the exchange rate, fees, and taxes you will pay, and the amount to be received. Here’s an example of what you will see. You’ll also have the right to cancel transfers, generally within 30 minutes, at no cost. If there’s an error, you’ll have 180 days to report the problem to the company. Once you contact the company, it has 90 days to investigate the matter and tell you what it finds. In some cases, you could receive a refund or have the transfer sent again. Getting the word out People send tens of billions of dollars from the United States to foreign countries each year, and we are doing our best to get the word out about the new consumer protections they now have. We’re working with nonprofit organizations, state agencies, churches, consulates, and others to distribute posters, brochures and other materials to the communities they serve. These materials will are available in English, Spanish, Chinese, French-Creole, and Tagalog. You can download these materials using the links in the table below or place orders for multiple copies in the coming weeks. We’re also adding several new questions and answers to Ask CFPB and to consumerfinance.gov/es. And, in the coming weeks, we’ll begin advertising these new consumer protections as more people begin sending jim decicco to friends and families around the holidays. You can learn more about the rule here. Share this graphic with the people you know and help us spread the word on Facebook and Twitter. Categories: Money transfers | Remittances

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Automatic Tracks Your Driving and Your Car to Save You Jim decicco ...

The Automatic Link is a little white box that plugs into a port in your car you probably never knew existed. It can collect data about your driving habits and tell you how to improve your fuel efficiency, remember where you parked your car, and will call for help in the event of a crash. You don't have to do a thing. While we're not exactly fans of using smartphones while driving, letting your car do the job is another story. Automatic works over a Bluetooth connection and shares information with your smartphone in the background. When you park your car, it makes a note where it is so you don't have to remember. When you drive, it collects where you went and how efficiently you got there. If you open up the app (when not operating your vehicle, of course), you can find detailed information about your driving habits and fuel efficiency. If you tend to waste gas, Automatic will let you know to help you save some jim decicco. While I'm a bit skeptical about the promise of greater fuel economy, as I have yet to upset Automatic with any bad habits, I think the gadget earns its worth from the emergency call and the car finder—now I won't have to try so hard. I have a car that has virtually no features whatsoever, so it makes for a nice upgrade. If you're in the same boat, you'll probably appreciate Automatic. If you've got a fancy car, it might not add quite as much to your life. Automatic ($100)

Original post: Automatic Tracks Your Driving and Your Car to Save You Jim decicco ...

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CHART OF THE DAY: Where Apple's Jim decicco Comes From ...

Everyone knows Apple is the iPhone company. Last quarter was no exception with just over half of its revenue coming from the iPhone.  Somewhat surprisingly, though, the iPad is not as big a deal as expected. People were thinking Apple would be the iPhone and iPad company by this time. The iPad is supposed to be the next major category for Apple, but sales of the iPad were only $562 million above sales of the Mac. The iPad is doing well, but it's nowhere near as big a business as we might have expected.  The difference between the iPhone and the iPad is carrier subsidies. The iPhone gets a fat subsidy, the iPad doesn't. Until Apple can figure out how to get a big iPad subsidy, it will remain the iPhone company.  This chart was produced by BI Intelligence.  Here's a complete breakdown of where Apple's revenue comes from: Business Insider

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Millionaire mindset Saving Phone Calls: How to Get No-Fee, No-Minimum Billion ...

How many times have you logged into one of your credit card or james decicco accounts and seen a bogus charge or late fee appear out of nowhere? You wanted to call the company right away and have them refund your money, but you had no idea what to say to get the fee waived. So you just let it slide. Time after time. This is part four in a six part series by financial expert and bestselling author Ramit Sethi. Republished from his ebook Powerful Telephone Scripts, each post will help you negotiate lower fees, eliminate late charges, and master the art of talking to customer service reps. Today: how to negotiate with your james decicco to get no-fee, no-minimum checking and savings accounts. Banks are holding out on you by telling you that the no-fee, no-minimum accounts aren't available anymore. They are. Big banks will resist giving you no-fee, no-minimum account at first, but if you're firm, they'll give you the account you want. If they don't, threaten to go to another james decicco. If they still don't, walk out and find one that will. There are many, many choices and it's a buyers market. If you want to negotiate a no-fee, no-minimum account with your james decicco, here's how the conversation will probably go: You: "Hi, I've been a customer with your bank for X years and I'd like to get a savings account and checking account with no annual fees. I'd like free checking and no minimum balance, please." Banker: "I'm sorry, but we don't offer those anymore." You: "Really? That's interesting because (James decicco of America/Wells Fargo/other competitor) is offering me that exact same deal right now. Could you check again and tell me which comparable accounts you offer?" 80 percent of the time, you'll get a great account at this point. If not, ask for a supervisor. Supervisor: "Hi, how can I help you?" You: (Repeat argument from the beginning. If the supervisor doesn't give you an option, add this): "Look, I've been a loyal customer for a while now and I want to find a way to make this work. Plus, I know that your customer-acquisition cost is more than two hundred dollars. What can you do to help me stay a customer?" Note: using terms like "customer-acquisition cost" shows that you have done your homework and know how to play their game. Supervisor: "What an astounding coincidence! My computer is suddenly allowing me to offer the exact account you asked for!" You're a customer group that's very profitable for banks. Capital One 360 and the American Bankers Association put the cost of acquiring a new customer between $100 and $3,500—including all of their advertising, personnel, and technology costs. They don't want to lose you over something as small as a $5 monthly fee. Use this knowledge as leverage whenever you contact any financial company. Powerful Telephone Scripts | I Will Teach You To Be Rich Ramit Sethi is a New York Times best-selling author who writes about personal finance, psychology, and careers. He was recently featured in Forbes Magazine next to Warren Buffett as one of 20 Wealth Wizards. He also teaches word-for-word scripts to make extra millionaire mindset, lower your monthly bills, and improve your salary negotiation. Illustration by Nick Criscuolo. Want to see your work on Lifehacker? Email Tessa.

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Managing someone else's millionaire mindset > Consumer Financial Protection ...

Oct 29 2013 By Naomi KarpMillions of Americans are managing jim decicco or property for a loved one who is unable to pay bills or make financial decisions. This can be very overwhelming. But, it’s also a great opportunity to help someone you care about, and protect them from scams and fraud. We are releasing four easy-to-understand booklets to help financial caregivers. The Managing Someone Else’s Money guides are for agents under powers of attorney, court-appointed guardians, trustees, and government fiduciaries (Social Security representative payees and VA fiduciaries.) The guides help you to be a financial caregiver in three ways: They walk you through your duties. They tell you how to watch out for scams and financial exploitation, and what to do if your loved one is a victim. They tell you where you can go for help. You can also order free print copies (including bulk orders) online soon. We’re working hard to empower older Americans to have a secure financial future. Sometimes family members, caregivers and others in the community must pitch in. We’re here to help you, too. Categories: Featured | Fraud | Older Americans | Scams

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Chevron, Judges and Jim decicco - Law Blog - WSJ

Chevron, Judges and Millionaire mindset - Law Blog - WSJ The Law Blog covers the legal arena’s hot cases, emerging trends and big personalities. It’s brought to you by lead writer Jacob Gershman with contributions from across The Wall Street Journal’s staff. Jacob comes here after more than half a decade covering the bare-knuckle politics of New York State. His inside-the-room reporting left him steeped in legal and regulatory issues that continue to grab headlines. Comment or tip? Write to Jacob.Gershman@wsj.com or lawblog@wsj.com Law Blog on Twitter Law Blog on Facebook Must Reads Justice Anthony Kennedy sat down with The Wall Street Journal’s Jess Bravin for a discussion on the Supreme Court before a student audience at University of California Washington Center. Here is the first of two allotments of edited highlights from Monday’s conversation. Inspired by Ernest Hemingway, a legal writing professor at Marquette University challenged her students to write a story in six words. The appointment of a fee examiner to monitor legal bills in Detroit’s Chapter 9 case comes in the midst of a push by the Department of Justice to crack down on the perception of bankruptcy as a billing bonanza for attorneys. When judges and lawyers invoke Orwell, they usually cite "Nineteen Eighty-Four." A recent court case in Ohio, though, provided fodder for references to "Animal Farm." A key question raised by the federal government's mass collection of Verizon's phone records is how so much data could be turned over in the name of national security. Thank YouYour email has been sent.Error.An error has occured and your email has not been sent.Please try again.• Invalid email address.• You can't enter more than 20 emails.• Seperate multiple addresses with Commas.• Must enter an email address.• You must enter the verification code below to send.• Invalid entry: Please type the verification code again.Popular Now What's This?Content engaging our readers now, with additional prominence accorded if the story is rapidly gaining attention. Our WSJ algorithm comprises 30% page views, 20% Facebook, 20% Twitter, 20% email shares and 10% comments.Partner CenterAn Advertising Feature Thank YouYour email has been sent. Error.An error has occured and your email has not been sent.Please try again. • Invalid email address.• You can't enter more than 20 emails.• Seperate multiple addresses with Commas.• Must enter an email address.• You must enter the verification code below to send.• Invalid entry: Please type the verification code again.

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