"Phishing" On The "Pharm": How Thieves Combine Two Techniques To Steal Your Identity

Bob squinted at the email and began to read:

“Dear eBay User, as part of our security measures, eBay Inc. has developed a security program against fraudulent attempts and account thefts. Therefore, our system requires further account verification…”

Security Measures. A threat to suspend his account to prevent “fraudulent activity”. The email went on to say that there were “procedural safeguards with federal regulations to protect the information you provide for us.”

Bob clicked the link and was confronted with an authentic looking logon page, just waiting for him to input his user name and password and confirm what ebay supposedly didn’t know.

He almost did it. The page looked absolutely authentic, and he had already been “set up” by the email message. His fingers were poised over the keyboard when he happened to glance at the URL.

There was something very, very wrong with it.

“PHARMING” TO FLEECE SHEEP

The art of “pharming” involves setting up an illegitimate website that is identical with its legitimate prototype, for example the ebay page Bob was almost suckered into using, and redirecting traffic to it.

“Pharmers” can do it in two ways:

1.By altering the “Hosts” file on your computer. The Hosts file stores the IP address of websites you have been accessing. By inserting a new IP address into the database field corresponding to a website, your own computer can be redirected to the pharmer’s website. Any information you give the bogus site is immediately hijacked by the pharmer.

2.Hijacking the DNS (Dynamic Name Server) itself. A DNS matches the names of address with their IP addresses. If this server can be coerced into assigning new IP addresses to traditional names, all computers using the name resolution provided by the DNS server will be redirected to the hijacker’s web site.

Once that happens, it’s time to be fleeced.

DOWN ON THE PHARM

“Pharmers” hijack your “hosts” file or DNS servers using Spyware, Adware, Viruses or Trojans. One of the most dangerous things you can do is to run your computer without some form of Internet Security installed on it.

Your security software should be continually updating its virus definitions, and be capable of warning you if something has been downloaded from a web site or through email. It should be able to remove it, “quarantine it”, or tell you where it is so that you can remove it by hand.

You should also have Spyware and Adware programs installed, and be aware of any change in Internet browsing patterns. If your home page suddenly changes, or you experience advertising pop ups (which may pop up even when you are not hooked up to the Internet), you should run a Virus, Spyware or Adware scan.

Thanks to the efficacy of these protection programs, pharming is a lot more difficult than it used to be. It isn’t as easy to hijack a computer as it once was.

So, the “pharmers” have teamed up with the “phishermen” to get you to visit the bogus web page yourself, and enter all the information they need.

PHISHING TO CATCH YOU ON THE PHARM

As Bob discovered, the page he had been taken to by the bogus email message was identical to the ebay logon page. Identical in every way except for the URL.

Out of curiosity, he checked the URL for the ebay logon by accessing ebay directly and clicking on the logon link. The two URL’s were nothing alike, except the bogus one did have the word “ebay” in it twice – just enough to make it look authentic.

By combining the two techniques, the phishermen/pharmers had avoided the high tech problems associated with downloading a Virus that could get past his protection software. They had gone straight for the throat.

Bob’s throat.

YOUR ONLY REAL IDENTITY THEFT PREVENTION AND PROTECTION

The only real protection against the pharmers and phishermen is YOU. There are three things you must consider when you read any email demanding information:

• Why do they want it? Be extremely skeptical when they say they have to “update their records”, “comply with federal regulations”, or prevent fraud. They are the ones initiating the fraud.

• Why can’t this be done at the website? Why not invite you to access the website directly and provide this information? The answer is because the bonafide company doesn’t need an update.

• What does the URL look like? Is it a series of subdomains some of which have the name of the bonafide company? Most likely the subdomain is set up with a free hosting company.

• Have they provided partial information about you as a guarantee that the email authentically comes from the legitimate source? Be very careful of this one. This technique is effective for “pretexting”, impersonating a person or company, and was used in the Hewlett Packard scandal to collect information. Just because they know your first and last name (and any other information – known only to the legitimate source) doesn’t mean the email is legitimate. They probably hijacked the information off the server.

THE BOTTOM LINE

The bottom line is: don’t provide any information at the behest of an email, no matter how authentic it looks, or how authentic the page it directs you to looks. If you must log in, do so at the parent site itself.

Your Identity Theft prevention and protection is, in the final analysis, up to you.

Don’t be the next sheep fleeced by the pharmers who caught you with the phisherman’s hook. Being dropped naked into their frying pan is NOT a fate you want.

"Pay-Per Click" Ad Campaign: Earn More by Spending Less"

What is "Pay-Per Click"? "Pay-Per Click", is an easy to understand advertising strategy. There are around 300 million searches at major search engines everyday. This causes 80% of internet traffic. Placing your websites on these search engines is very important in reaching as many potential customers as possible. But in order to be seen and clicked most frequently, your website should be viewed at the top most of the search list. Most people only reach up to the third page of a search engine so the lower your rank, the lesser the chance you will be clicked. In "Pay-Per Click" advertising, you pay to be always visible on the internet. You select keywords or key phrases about your website, and the highest bidder ranks the best. There is no upfront cost. You only pay after a visitor clicks your link. This is why it is called "Pay-Per Click".

Everyday millions of people around the world click on Pay-Per Click Advertising Campaign. With the booming internet industry and the ever growing online business, an ad of virtually anybody on the planet can be seen on the internet anywhere in the world.

The "Pay-Per Click" advertising campaign is the premier growth area in online marketing. Last year, an estimated $741.2 million was spent on "Pay-Per Click" advertising. The usual search engine optimization can take weeks or even months to produce results. "Pay-Per Click" advertising can attract customers at an instant. Why? Because, this cutting edge ad campaign can be placed on any website and can be viewed by potential online customers, anywhere, anytime and all the time. The only challenge is placing the ads on proper websites that will attract possible customers for a specific product or services.

"Pay-Per Click" advertising campaign attracts the right consumers at the shortest possible time. This is the most cost effective way of marketing products or services. You can also monitor the customers who visit your site, what they are looking for and what they are buying. With the right creativity on using the right search-phrases, we can direct the right people who are willing to do business with us.
"Pay-Per Click" advertising can easily be managed 24 hours per day and 7 days a week through the internet. This allows you improve the campaign strategy by effectively responding to the activities of both customers and competitors.

So what are you waiting for? "Pay-Per Click" now and let your business take the fast route to success.

“learn To Play” Musical Instrument Sets

We all have a few of those childhood dreams that fell to the wayside as we grew up. We were either too busy or too involved in something else or were too poor or just kept forgetting about it. It doesn’t matter why we never learned to play the instruments that we wanted to, what matters is that now that we’re adults, are we going to learn to play the musical instruments we dreamed of?

While shopping for the musical instruments of our dreams, we keep running across the “learn to play” instruments and book sets. They look like they were probably designed for kids, but the instruments look like they are almost high quality enough to get away with playing. So can anyone really learn to play a musical instrument from the “learn to play” series?

To be honest, those who learned to play at least one musical instrument as a child most likely can learn to play another musical instrument form the “learn to play” series provided we at least learned the basics of reading music. Being able to at least read the basic scale from sheet music will help tremendously when trying to learn to plat a musical instrument from a book.

Some people do very well learning to play musical instruments from a book, but the people who do very well all have one thing in common, they are self learners. Those of us who were born in the mid to late seventies and beyond grew up in a system of education that everything was handfed to us, thus the majority of us do not learn very well on our own. We need someone to hold our hands and teach us note by note to play a musical instrument, not to mention trying to learn other things. Learning to play a musical instrument from a book requires a certain amount of self teaching ability.

Without the ability to “figure things out along the way,” learning to play a musical instrument from a book will prove to be quite frustrating, although it can most certainly be done. If our desire is strong enough and our patience can run fairly deep, then yes, we can learn to play a musical instrument from a book.

There are few things quite as satisfying as accomplishing something like the challenge of learning to play a musical instrument from a book. As we learn to play any musical instrument without the guidance of someone else, just like kids, our confidence grows. For adults, learning to play a musical instrument from a book may very well be the realization of a childhood dream, and there’s nothing but pure magic in that.

“flashy” Video Advertising

Whether you wish to promote your business, or as YouTube says “Broadcast Yourself,” video content beats text adverts hands down. First, the viewer gets to see the merits of your products and services instead of being told about them. Second, videos say more in less time so it’s more convenient to the people you want to advertise your business or yourself, too.

Obstacles to Video Advertising through the Net

There are obstacles, however, to maximizing the benefits of video content. The large file size of video content is incompatible with the typically limited bandwidth that visitors to your site have. The inability of the author to enhance visitors’ viewing experience by the use of interactive video navigation controls is also a problem. Different playback standards also present a problem. Furthermore, there is difficulty integrating other data types (text, music, graphics, and other web content) with video adverts.

Flash Videos from Adobe

It is a good thing for internet marketing professionals who wish to use video content for advertising purposes that Adobe has designed a platform for delivering seamlessly integrated and universally accessible Flash Live Video (FLV) content over the internet. By using Adobe’s video delivery options, you can easily put videos on your web site for your site’s visitors or you can readily make video emails and deliver your advertising content to your targeted clients. Adobe has also revolutionized the video sharing industry over the net.

Flash Video Delivery Platform

As the author of the video, you can easily use this platform to advertise your business or to post video for recreational and video sharing purposes over the internet. All you need to do is to create your own video with a high quality video or web camera and microphone then capture and encode it into FLV format using Flash Professional tools.

Once you have your Flash Video ready, delivery is easy. You can embed or link your FLV file in SWF for video email delivery or for integration on your web site. However, this method of internet video delivery is optimal only for very short clips, say 5 seconds of playback time. For longer videos, there will be audio and video synchronization issues.

If you have a longer video clip, and you only expect a few people to watch it, you can deliver your FLV file through progressive downloading. This is a vast improvement over sending your video file embedded into the SWF player. You just need to embed a short preview clip of the entire video. When it is clicked, the user is connected to the Flash Communications Server and the full video is downloaded. Your viewers can play the video as it is being downloaded because FLV downloading is done by segments. There’s no file size limitation and audio-video synchronization problems.

The most wonderful Flash Video delivery innovation, however, is live video streaming, where the entire video need not be downloaded so your viewers are not limited by available disk size, the video is not cached so you protect copyright of the video, you can feed viewers video as you record them to your server, and you can track traffic better using your Flash Communications Server Utilities. This is by far the fastest and most convenient means of delivering live video to the web.

Truly, with skilled video editing and producing and a reliable flash Communications server, promoting yourself, and event or your business through internet video has never been easier.

'Father' Of The Internet

Tim Berners-Lee, while working as an independent consultant at a nuclear research laboratory in 1980, developed an innovative way of storing information in a program named Enquire.

That work was later used as the foundation for the development of a global hypertext system - popularly known as the Internet or the World Wide Web.

The WWW was developed to increase the ease with which people could exchange information. This became a reality with the introduction of the first WYSWIG (What You See Is What You Get) hypertext web browser which was written by Tim Berners-Lee.

The advantage of the WWW over previous systems was the lack of a need for a centralized server. In short, this meant that it was just as easy to retrieve, as well as link to, a document that was down the hall as across the world.

This was a huge breakthrough in computing science.

The Web and the first web server were released to the hypertext communities in mid 1991, after being released within CERN in late 1990. In order to achieve a coherent standard for the WWW, specifications for URLs, HTML and HTTP were published.

The universality forced by these specifications, the non-dependence on a central server and decision by Berners-Lee not to profit from the WWW led to a high level of adoption of the technology between 1991-94. A ten fold increase in annual traffic was recorded on the first Web server during this period.

With the advent of the Web, a number of spin-off technologies have emerged. A vast array of server side, client side and database languages have been created to fulfill needs of businesses and individuals.

There are two types of programming languages used on the WWW: client-side and server-side.

A client-side language is executed in the users' browser and is not dependent upon the Web server. Client-side programming is done almost exclusively with JavaScript.

A server-side language executes on the Web server. In recent years server-side programming has become more popular than client-side programming because it is independent of the type of browser that the surfer is using. Programmers refer to this as being 'cross-platform'. Perl, PHP, ASP and JSP are popular client-side programming languages.

Databases have been developed to allow for 'dynamic' websites.

Dynamic websites allow for a high level of personalization when retrieving information.

Whenever you type in values in a form on a web page - whether those values are for a user id and password, the characteristics of your ideal partner or an author's name - it's a 'dynamic' web site. That is just a way of saying that there is a database being used to run the website.

Popular databases used include MySQL, PostgreSQL, Microsoft SQL Server and Oracle.

An area of the WWW that Berners-Lee has direct involvement is in his role as the Director of the World Wide Web Consortium (WC3) which has existed since 1994.

The aim of the WC3 is to achieve coherent standards between all companies using web technologies such as HTML, CSS and XML. Prior to the creation of the standards detailed by the WC3, companies used different standards, which led to potential incompatibilities. The WC3 remedied this by creating an open forum - allowing companies to agree on core standards for WWW technologies.

The future of Berners-Lee's influence on modern computing is in the context of the Semantic Web. 'Semantic' means 'meaning'.

A semantic web is one where elements that appear in a document hold some meaning that can be automatically processed by a machine in some form of data gathering. Currently, documents on the WWW written in HTML hold no meaning ­ they're presentation based.

Tim Berners-Lee laid the conceptual foundation for the World Wide Web. It was his initial idea to create a way where information could be freely and easily exchanged. The standards associated with it and the lack of reliance upon a central server, gave the Web a cross platform advantage and independence, which led to its meteoric rise in popularity.

In turn, its popularity spawned and popularized many different programming languages, databases, markup standards, servers - as well as - viruses and worms.

However, while Tim Berners-Lee is the 'father' of the Internet, its development over the years is a result of the efforts of an extraordinary number of individuals. There is little question that 500 or 1,000 years from now, historians will look at the invention of the Internet as one of those rare, seminal historical events - much like Gutenberg's printing press.

$24,000 In 13 Days With Passport To Wealth

I wanted to cover some common questions about a new online business opportunity called Passport to Wealth and how you can use it to generate a serious passive income for yourself.

What is Passport to Wealth?

Passport to Wealth is an online marketing system that is designed to find people for you that are currently interested in joining an online business opportunity. The key to the Passport to Wealth Marketing System is that you can join it, set it and let it do the work for you.

How much can I make with Passport to Wealth?

You receive 100% commissions of $997 for each Passport to Wealth sale that is made for you. I've been making 2-5 sales a day and the money is paid directly into my account. We made over $27,000 in 3 weeks and while we were away on a vacation, another $9,000 came in.

What is the product being sold with Passport to Wealth?

You get Instant access to over $75,000 worth of amazing software, wealth-creation resources and an e-Learning library. All accessible directly from your own computer. It’s the most comprehensive package ever offered in one place. Just download, use and benefit.

There is never any obligation to join Passport to Wealth. From my discussion with PTW, 47% of site visitors that have taken the tour will sign-up as a Passport to Wealth member. That's a very impressive conversion ratio.

The comprehensive marketing information in Passport to Wealth is what attracted me to join. This automated system is very unique in this impersonal internet age.

""The system sorts, sells and closes your prospects for you.” - Tim, Colorado

What is the best strategy to use with Passport to Wealth?

When I was first looking into Passport to Wealth I interviewed 9 different sponsors. I was looking for someone that was highly successful and would share exactly what they were doing with me. I chose an internet marketing expert from Texas and he showed me how to make sales right away.

To speed-up my results I use a system where all I do is copy and paste ads to proven online advertising companies that are all laid out for me. This is a fully automated system that involves no contact from yourself.

For every 100 visits to my site I make a least one or two sales. So for a low $190 investment I earn between
$3000 and $8000.

I'm finding that people want to join Passport to Wealth with me because I am offering something different. Most PTW members are promoting their standard web page and getting 1 or 2 sales a month. I try to add something extra, like this highly lucrative marketing system.

When you join Passport to Wealth with me I can set you up with the same system I use. At the end of the day PTW is an "easy to understand" business. So you don't have to learn much once you get started. It really depends on your goals and how much time you have. Most of my group spend about 20 minutes a day and let the system work its magic.

"I went out of town for 3 days. Today I checked my balance and found that I received $4,985! I never spoke to any of them." - Gina, Canada.

What do I get by joining Passport to Wealth with your team?

When you join Passport to Wealth with me you will receive the step by step approach that I used to make $24,000 in 13 days. I will also be available via email if you need any help or support.

I have been making over $30,000 a month with Passport since I first joined using the exact techniques that I will share with you when you join. How much does Passport to Wealth cost to join?

The cost to get started with Passport to Wealth is $997 which provides the quickest profit timeline. The payment plan that PTW offers is very interesting. It's called a two-up payment plan.

The way it works is this, the first two people that join you in PTW are considered your qualifying sales and are given to your sponsor. From then on each sale will generate $997 for you. But this is where the fun starts...

Because of the two-up pay plan, the first two sales that one of your members makes goes to you!

So if you have 3 members and each of them makes 2 sales, then you will get 6 sales without lifting a finger! That's 6 x $1000 to you = $6,000.

If you have 10 members and each of them makes 2 sales (their qualifying sales), then you will get 20 sales without doing a thing. That's 20 x $1000 = $20,000!

So as you can see, once your PTW marketing business kicks off, it grows from within. And that's what I'll help you do when you join Passport to Wealth with me: Kick start your PTW business quickly!

“This really is as simple as it looks and sounds! I got the complete P2W program, web fee, marketing system, small advertising budget and I’m actually in profit within 7 days without having to talk to anyone?

I was shown the exact wording and where to place my ads so they worked. Thanks.” - Steve, Colorado.

How do I get started?

When you take the PTW tour you can see exactly how the system will work for you and look over the products at the same time.

I recommend you sign-in as this is unique to this system from my experience. It's really the main ingredient that drew me to join Passport to Wealth from the beginning.

When you enter your name and email into the form you will instantly have access to the main site. You will also have a chance to check out the same marketing system that is making 2-5 sales a day for me right now. This is the system that I'll be giving you when you get started.

So I highly recommend that you sign-in and lookover the marketing system as this will give you an idea of what's being offered here.

As always I'm available if you need to contact me. Call me if you need anything. (1-212-990-6886)

$1,167.00

The first thing I would like to do is share with you an email that I recently received that provided the inspiration for this article.

Mr. Calvert,

Hello, my name is Tanya Jameson. I met you a few months ago at the Bunny Slipper Boot Camp you spoke at in Las Vegas. I am the one that spoke to you after the Boot Camp and told you I was going to invest in your “How to Create a $5,000 Monthly Income with Ebay and Online Auctions Course” after I had a couple of yard sales.

I knew at the time, you probably didn’t believe me, but I did go to www.OnlineAuctionU.com and purchase your course. Anyway I just wanted to let you know that I have followed your course step-by-step and last month I have my first month of over $5,000.00 in profits, $5,233.70 to be exact and I am having a blast. My 5 year old daughter helps me in my business and because of your course; I never have to worry about taking a job outside the home again.

Now for my question, at the seminar you said that you personally spend over $15,000 a year on books, tapes, seminars, and other personal development courses.

My question is why?

You have a net worth of millions of dollars, you speak all over the world at seminars, and have dozens of training programs, why do you still invest so much money? I am just curious; please respond when you have an opportunity.

Thank you for helping me change my life!

Tanya Jameson


Here is my response:

Tanya,

Congratulations on your first $5,000 month! You now have developed the skills and knowledge to be able to write your own pay check every month with Ebay and online auctions. I am proud of you and I appreciate you taking the time to send me an email.

Now regarding your question and why I spend so much money on personal education.

My definition of success is not how much cash, or how many toys you have. To me “Success is living your life working towards worthy Goals” When I was broke, living in a small 600 foot square home and driving a beat up Chevette, I was as successful then as I am now, because I had worthy goals that I was working towards daily.

Now here is the “brain tweak” once I reached those goals, I was no longer a success. Think about that one for a minute. The only way I could maintain my success is to set new goals!

When I was financially broke, I developed the habit of spending 10% of my income on my own personal education. Jim Rohn says “Formal education will make you a living; if you become self-educated you can create a fortune”

That is one of the things I absolutely enjoy about the Internet, it is a constantly evolving marketing medium. There are always new ideas to learn and concepts and methods to test and put into practice.

Thankfully, my income got to a point, where I could no longer spend 10% on courses, books and tapes. So I was able to buy books and training programs for other people, and at one point provide the book “Think and Grow Rich” to the entire graduating class at our local high school.

However today, I am constantly learning and working towards worthy goals, and I hope you will continue to do the same.

I wish you much success, and as always let me know what I can do to support and help you. I appreciate your support, and again thanks for taking the time to send the email.


Dale Calvert
www.DaleCalvert.com


I sincerely hope that my response to Tanya has resonated in your mind. If you are broke, but working towards worthy goals, YOU ARE A SUCCESS. Today’s world is full of self educated marketing masters that offer an endless supply of books, tapes, and training programs to help us all become better at what we do.

Oh yeah, before I forget, why is the title of this article $1,167.00? That is what I spent last month for personal educational and training programs. Become “self educated” and I will see you on the never ending road to success!