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May 18 2011

college-text-books

Source: OnlineSchools.org

With the rising costs of tuition and textbooks at Universities and Colleges, a new movement of open source text books has begun. Which is great for students who may have to drop out of school because they cannot cover all of their expenses. The bad news is that the open source books may never be widely available thanks to old-school publishers trying to squash the idea.

By Career Explorer

Apr 19 2011

Hacking is a general term that refers to the reconfiguration or reprogramming of a computer system in order to allow an outsider who wouldn’t otherwise have access to that system to gain entrance. It is an art and a dark science that has been around ever since the dawn of computers themselves. Hacking is often used by the mainstream media to refer to all types of electronics manipulation including “phreaking” and “cracking.” It is a catch-all term that has fallen securely into place as a handle for any outside manipulation of electronic devices, even though in the real world of hacking it refers to a specific type of manipulation.

“Hacker” is a word invented in the 1940s by mathematician John Forbes Nash Jr., played by Russell Crowe in the movie “A Beautiful Mind.” Meaning it as a derogatory term, Nash used it to refer to anyone looking for a quick way around a problem.

In 1972, it was discovered that a cereal box whistle emitted a frequency that would authorize long distance calls when played into a phone. This is considered one of the first technology hacks.

In 1981, a hacker named Ian Murphy was the first to be convicted of a felony when he broke into AT&T systems and switched their discount rates to daytime hours.

A hacker named Kevin Mitnick made it to the US Most Wanted list after hacking into a number of phone and computer companies. Some believed he could cause the launching of a nuclear device simply by whistling into any public phone.

Allegedly searching for little green men, Gary McKinnon broke into US Navy, Air Force, Army, Defense Department, and NASA web sites in what some consider the greatest military hack ever.

The US leads the world with thirteen percent of the planet’s spam sent from hacked computers within its borders. Cheap online hacking universities in China lead the world in revenue generated with an annual $40 million profit.

Across the globe, intellectual property amounting to around $1 trillion has been stolen by hackers. This is in addition to an annual $4 billion in damages in the US caused by hackers and $1 billion in China. According to a Symantec survey performed in 2009, slightly less than half the businesses surveyed had been hacked and lost valuable information. It is said that a third of companies have to face daily hack attacks, 17 percent of which manage to gain entry. Hackers attempt to break into power plants thousands of times per year. Successful attempts extort millions of dollars annually.

Around 250 professional hackers are hired every year by the Defense Department to protect the US from malicious hackers. Job applicants are given a thorough career assessment of their past life and must pass a challenging aptitude test. The Pentagon invested $6 billion into computer safety measures in 2009 alone. This figure is expected to at least double in the next five years.

Some of the most often hacked sites include Facebook and other social networks.

By Career Explorer

Apr 12 2011

Celebrities Debt

Famous billionaire Donald Trump owns thousands of hotels and other properties worldwide. This man with a trademark hair style also wants to become president of the United States. Even with all of his properties, companies and television contracts, Trump still has considerable debt. Most individuals are surprised to learn this. Trump’s debts reach into the hundred-millions. He was also ordered to surrender his $25 million mansion in a divorce settlement.

Toni Braxton is a well-known singer. After coming from a small church choir originally, Braxton went on to build her way to the top, winning six Grammy awards and multiple other recognitions. She has sold over 40 million records. Despite her success, fame and fortune, the singer and mother has accrued a debt of more than $10 million dollars. She is certainly not hurting to survive; her record sales are well over $188 million.

M.C. Hammer, legally known as Stanley K. Burrell, also has significant debt. His debt reaches into the $40 million bracket. He is not only a rapper, but an entertainer, entrepreneur, actor and dancer. Even after selling 50 million records worldwide, his monetary problems persist. This could be a result of his desire for luxurious living. To give an example of just how much this famous artist shells out for his accommodations, he spent over $2 million on a marble floor for his bathroom.

Mike Tyson also had debts that reach into the $40 million range. He has spent his life boxing, acting and accepting many other well-paying jobs, but he also has some expensive hobbies. Tyson’s passions include exotic animals. He has several pet tigers, which cost over $4,000 each month to keep.

There are many other celebrities that spend lavishly. Elton John spent $468,000 on flowers, Nicholas Cage reported spending $276,000 on a dinosaur’s skull and Kim Basinger actually purchased an entire town for $20 million. Most average workers read these statistics with their jaws wide open in surprise. Although most people could never fathom spending this much money, it is always possible to earn more than the current salary. Most people simply aren’t in their optimal career field. Take a job aptitude test to determine which fields are the most suitable. Career assessments and job aptitude tests determine the best possible jobs for each person, based on their individual answers.

Debt is something that almost every American is experiencing today. With prices constantly on the rise and wages staying the same or decreasing, it is becoming difficult for many to stay afloat. Many people find themselves taking a career assessment or job aptitude test to find a new better-paying career. Getting a better job is one of the best ways to get out of debt faster. Don’t lose heart, though – everyone experiences debt, even celebrities. It is a well-known fact that celebrities spend a lot of money on houses, clothes and vehicles, but some celebs have gotten themselves into deep debt. Several have spent their money on some strange items, which are certainly not things most people would consider essential.

By Career Explorer

Mar 21 2011

Money Facts

Cold Hard Facts About Money

There are some interesting facts about money that may make you think twice before holding that dollar bill with your lips. Nine out of ten US dollar bills have traces of E. Coli, Staphylococcus and cocaine. Chinese banknotes are even worse with 178,000 bacteria colonies on each one and cocaine residue on one out of 10. There is $1,999,897,000,000 in circulation now and that’s a lot of bacteria.

With all of this bacteria, cash has a short lifespan. Only 21 months for a dollar bill, 16 months for a five dollar bill, 18 months for a 10, 24 months for a 20 dollar bill, 55 months for a fifty and 89 months for a 100.

Right now there are six denominations of bills circulating, but there have been twice that many. The $500, $1,000, $5,000, $10,000 and $100,000 bills are no longer in circulation. There are $1.5 billion in two dollar bills in circulation, but they are no longer being printed.

Have you ever wondered what happened to your old jeans? You may be spending them everyday. Every day the US prints $629 million. In one year about 2.7 billion are ones and 1.8 are hundreds. Fives, 10s, 20s and 50s are around 370 million each. US currency bills are made from 75 percent linen and 25 percent cotton, and very bill contains a little recycled denim.

It is not always easy to detect counterfeit money. There is $200 million worth of counterfeit money circulating in the US. $45 million was printed in North Korea and eight out of 10 of those bills were printed on a personal computer.

ATM machines are a convenient way to collect the cash you need. They seem to have an unlimited supply, but they actually only contain 1,500 bills and only about 40 new ones are added each day. The fees for using them are about $640 million a year for the bank.

One more interesting piece of information about money is about the penny. Every year congress considers discontinuing the penny, after all it costs 1.2 cents to manufacture and the US loses $45 million per year on pennies and nickels. There are 150 billion in circulation and people seem to like it that way. Every year congress decides to continue making the penny.

I order to earn your share of money in circulation now, take a free career aptitude test that will give you the right guidance for selecting employment. A career aptitude test may help you decide what you want to do with the rest of your life. If you already have a job or career but you think it’s really not for you, then you need a career assessment test. Career assessment and an aptitude test will help you determine your strengths and weaknesses and make it easier for you to find an interesting and enjoyable future.

By Career Explorer

Mar 18 2011

Americans saving money

How Much do Americans Save?

Americans are notorious for failing to put aside money for tomorrow. The median household income in the U.S. is $50,000. This pushes the taxpaying household into the 25% bracket. Adding back the average $3,000 tax refund, the median household disposable income is $40,500 a year.
On average, Americans spend 94% of their disposable income, leaving only 6% for all savings accounts combined. Using the median household income, this means the average household in the U.S. only puts $2,400 total away. That’s $200 a month towards retirement, college, and saving for a home. Not only do most American households fail to save enough, but nearly half – 43% – spend more money than they earn, putting themselves into debt they can’t pay back.

Remember that 6% of disposable income being saved on average? That figure is not proportionately spread, as only 41% of Americans save regularly, leaving more than half as sporadic or non-savers.

Have Americans always had these poor saving habits? While they’ve regularly fallen behind on savings, there have been savings highs and lows in the past. Naturally, the Great Depression was a bad time for savings. Not only were Americans not saving, but the average savings rate during 1932 was a negative 1.1%, meaning Americans spent 1.1% more money than they had. While 1932 showed a low point in savings, 1944 showed a high point in savings in the United States. During World War II, the savings rate soared to 26% of disposable income. For the most part, the savings rate in the U.S. has hovered between 5 and 10%.

So, how do the saving habits of Americans compare to those abroad? The average Chinese worker saves a whopping 30% of their income, while the Swiss save 14% and Germans save 13%. There’s an obvious gap between U.S. savings and other countries.

Why do Americans ignore the future when handling money? American culture is different from other cultures. In the U.S., there’s an attitude of needing to have things now even if you can’t afford it. Credit cards help people secure items they want immediately. Once credit card debt is racked up, many Americans turn a blind eye to their debt and pretend there isn’t a problem. People in the U.S. also need to constantly compare themselves to their friends and neighbors, being sure to have the biggest, best unnecessary toys they can get.

How can you find a career that pays enough to buy what you need and want and still have money to save? Take a free career aptitude test! A career assessment test can pinpoint your strong points and ensure you go into the field that is most lucrative for you. Don’t get caught without savings – take a career aptitude test today and be on your way to a rewarding career.

By Career Explorer