Sunday, September 23, 2007

5 Ways To Obtain A Higher Credit Card Limit

Many credit card holders are looking for ways to increase their credit card limit easily. A higher limit usually means that the card holders can afford more expensive items. It also opens the door to many privileges that are not available otherwise. Here are 5 ways that can increase your chance to obtaining a higher credit card limit 1. Obtain a copy of your credit score report from the credit bureau. Make sure that there is no error in that report. If the report indicated that you have less than favorable creditworthiness, call up the credit bureau and ask them how you can fix the problem. A bad credit report can have many other negative consequences, so you will want to take action to correct the problem as soon as possible. If necessary, consult a credit-repair expert to see how you can resolve the situation in the shortest time possible. 2. If you have a significant increase in your salary, give your credit card company a call and request for an increase in your credit card limit. You can fax or mail your new pay slip to the company to prove that you are eligible for an increase. Do include a cover letter to explain your intention. 3. Use your credit card regularly. As long as there is no difference in price between paying by plastic or cash, you should always choose to use the plastic. This way, you will be deemed as a valuable customer by the credit card company. In addition, you will accumulate more reward points, which you can use to exchange for other useful items later. 4. Do not spend beyond the limit. It is fine if this only happen once in a blue moon. However, if it happen too frequently, this is a clear indication that you have poor control over your personal finance, which means that your credit risk will be high and it will be difficult to get a limit increase. 5. Always pay your outstanding balance on time. This indicates that you are a good borrower, which translate to lower credit risk. Besides paying on time, you should try to pay the full amount instead of the minimum sum. Credit card company charged very high interest rate and you want to avoid paying more that what is necessary. Keep in mind that your credit card company keeps a record of your transactions and will know your spending and payment pattern. Your performance in the records of your card company will determine whether you will get a higher credit card limit or not. By using your card wisely, you will have an easy time upgrading to a higher credit limit.

Mortgage Leads And Tips You Need To Know

A second mortgage refers to a protected loan taken on a property, which has already been used as a security in a loan once before. To start with, without the internet, it would be impossible to even buy your mortgage leads in real time. According to the Mortgage Bankers Association, the slowing up is seen in the whole industry, affecting builders, lenders, real estate agents, brokers and credit companies. Another bonus of getting a lower fixed interest rate may mean that you can pay off the mortgage loan in less time. Fixed Rate loan — The 2nd mortgage at a fixed rate loan is similar to a first mortgage where you can get a lump sum payment and then pay up the loan in installments over a set period of time. On a fixed rate business mortgage, the interest rate that is negotiated and agreed to stays in effect until the loan is fully amortized. One of the reasons that these types of more multifaceted loans are becoming ore common on the market is that mortgage lenders have better data support and technical tools for estimating risks as well as better credit rate data available. If you are a loan officer or mortgage broker interested in the purchase the freshest leads, be sure you know where the lead supplier is getting their leads from in order to assure their quality. If you do decide to go with a mortgage lead company, look for the mortgage lead companies that sell their leads in real time, this way you will be getting fresh leads, and you will be able to relytheir quality. This is imperative because most mortgage lead companies will sell their leads up to 10 times and your customer may already be working with your competitors and not feel the need to contact you. The time comes for all mortgage brokers and loan officers to consider investing some of their hard earned money by testing the waters of mortgage leads. For loan officers and mortgage brokers on the market for mortgage leads, the quality of the lead should be a top priority when deciding which company to invest in. If you are a loan officer or mortgage broker on the market for mortgage leads, make sure the mortgage lead company you are scrutinising has a good return policy. Steer clear of the mortgage lead companies that purchase their leads from third party vendors and than sell them to loan officers at a profit.A lot of lead companies purchase their leads in large numbers from third party companies, then turn around and sell them to loan officers at a profit.

Do You Have A Mortgage to Pay ?

Homeowners run into financial trouble all the time and with a mortgage loan to pay, it can become a stressful situation. If you want to repay your mortgage loan early, a recent study by the Royal Bank Of Scotland (RBS) may have uncovered a possible solution. However, if you don't fancy living in Blackburn, Halifax or Kilmarnock, but want to repay your mortgage loan as quickly as possible, there are other options. Negative items will stay on the credit report up to seven years, but if you make an effort to begin paying back debts, and show you are serious about qualifying for a mortgage loan, then you are yet closer to proving to a mortgage lender that you are both willing and able to pay back a loan. Whether you use a second mortgage or an unsecured loan to pay off credit card debt, often depends on several important factors including whether you actually own a home, what your credit rating is, and what the total dollar amount of the credit card debt is that you owe to various financial institutions. Many second mortgage companies have has partnered with a home equity lenders to create loan programs specifically designed for consolidating debt that lower your monthly payments, and help you refinance revolving credit cards. When shopping for a mortgage loan the Annual Percentage Rate is a helpful for comparing loan offers; however, it does not provide a breakdown of all costs associated with the loan Legislation in the United States, “The Truth in Lending Act,” requires mortgage lenders to post the Annual Percentage Rates for all of their loan offers. Before taking a refinance mortgage loan, check a number of brokers and select one who is giving the best terms at the lowest rates. After taking a loan or a mortgage, make sure to check every few years the possibility of refinance or remortgage. Most of the time, the homeowners use the second mortgage loan to pay for debt consolidation, home improvement, college education, or other expenses. The major benefit for a debt consolidation loan is that most states allow you to write off the interest paid up to 100% of the value of your home. With the numbers in front of you, find out what type of debt consolidation loan would be best for your situation. By understanding where you stand, you can either choose to go forward and find a mortgage loan that is within your limits, or repair your credit before making a move. Please visit these helpful resource websites: To get a no cost rate quote for a 2nd mortgage please check out Second Mortgage Quotes You can learn more about cost-effective mortgage leads and buying mortgage leads online & get specific loan filters that meet your specific loan programs. Exclusive mortgage refinance leads are found under the exclusive mortgage leads category. A good mortgage refinance program can save you a lot of money as by lowering your monthly loan payments it will cause your interest rate to drop while you will thus be enabled to pay off the balance of your loan in a shorter time. Often one looks to refinance a mortgage because they seek lower rates or additional money to pay off other debts Heading out for debt relief, do not forget to pay attention to overall rates on mortgage refinance, because people who are seeking debt help by refinancing may be paying higher rates than those generated by their low rate mortgage making it a useless effort when trying to consolidate their debts. If you have an adjustable rate or high interest rate mortgage that you want to refinance into a lower fixed rate while cashing out on equity for home improvements or other purposes, a mortgage refinance may work the best for you. Homeowners apply for a mortgage refinance for two primary purposes: to lower interest rate and debt consolidation. Home mortgage refinancing is ideal when the current interest rates are lower than the rate of interest on the existing loan. If the interest rate of the refinance loan is not lower than the existing loan it is an option only for people who are really in need of money. So, the big question is "can you get a mortgage refinance loan with poor credit? So can you get a mortgage refinance loan with poor credit? Even though a mortgage loan is a secured loan, bare in mind that a past bankruptcy will show on your credit report when you apply for a refinance home loan. If your credit score is below 600 or slightly above, most prime mortgage lenders will be hesitant to extend you a mortgage refinance loan after they pull your credit report. If you do get a 2nd mortgage refinance with your bad credit, it is important to make every effort to make your monthly payments on time and in full. Basically, a cash out refinance loan is a mortgage loan that will be used to repay the outstanding mortgage loan. With a cash-out refinance option, homeowners may refinance their mortgage, while borrowing extra money from their equity. A Refinance home mortgage is the best option for those who have a good financial sense and are willing to put their money to good use. Borrowers seeking a refinance mortgage are in a great position to benefit from the fierce competition between lenders making refinance mortgage leads some of the best leads around. Moreover, refinance home loans can be obtained at a lower interest rate than the original mortgage loan. Avail the best out of re mortgage or refinance mortgage. If your 2nd mortgage application was rejected by a lender, find out the reasons why it was rejected.

Wednesday, September 19, 2007


Magnetic Stripe cards


The intention of this section is to demonstrate how cryptographic principles are (usually) applied to magnetic stripe cards in a practical context.


PIN Processing


The PIN principle is based on the fact that nobody other than the legitimate cardholder has knowledge of the PIN. Thus when a PIN is provided for a customer:


  • It must not be stored anywhere in cleartext (except in the secure PIN mailer destined for the customer)
  • It must not be possible to reverse-engineer the PIN from information on the magnetic stripe or from a centrally held database.


Normally, a PIN is a 4-digit numeric value. Other schemes exist, but we will use this format for illustration as it is a common standard.

When a PIN is issued, the sequence of events is as follows:


  • A 4-digit random number is generated. This is the PIN.
  • The PIN is combined with other information, such as the account number, to create a block of data for input to the cryptography process.
  • The input block is triple encrypted using the PIN working keys
  • Digits are selected from the cipher text result. These become the Pin Verification Value or Pin Offset.
  • The PIN Offset is stored
  • The PIN mailer is printed
  • Memory is cleared to binary zeroes to remove all traces of the clear PIN.


At this point, the only place the PIN value exists is inside the PIN mailer. The PIN cannot be derived from the PIN offset.


When the card is used and the PIN entered, the PIN offset is calculated again from the entered PIN, using the PIN working keys and compared to the stored offset value to determine if the correct PIN was entered. Clearly this means that when a PIN is validated, the validating system must have access to the PIN working keys used during initial PIN issue or subsequent PIN change.


It should be re-emphasised that the offset comprises selected digits from the cipher text. Typically this would be 4-6 digits. It is not possible to recreate the keys or derive the PIN from this value.




I. In some implementations, the PIN offset is stored on the magnetic stripe on the card. This is intended to be used in terminals which can perform local PIN validation. However, this technique is becoming rare as it prevents deployment of user-selectable PIN's.

II. Where the user is given the option to change PIN, the new offset is calculated in realtime and written to the database. Note that if the PIN is forgotten, it cannot be recreated.

III. The method described above is generic. There are many variations, such as the IBM3624 Method-A, Diebold method, and so on, however the principle remains the same.

IV. In many methods, the framework exists for using different key pairs based on an index value, usually stored on the magnetic stripe. This is a single digit value denoting the index of the key pair to be used. The intent is so that a) the same keys are not used across the entire cardbase, and c) that new keys can be used on re-issue without affecting existing cards.


CVV processing


It was quickly understood that the proliferation of financial cards exposed institutions to risk from counterfeiters. In the credit card world, this came from manufacture of cards with or without magnetic stripe encoding that possessed valid numbers and seemingly valid names and logos. In the ATM card arena, attackers observed PIN number entry 'over the shoulder', collated these PIN's with information from discarded receipts and so on, and constructed their own magnetic stripes on dummy cards for use at their leisure with observed PIN numbers.


These threats and others led to the introduction of the Card Verification Value, a non-derivable sequence of digits constructed by cryptographic process and written to the magnetic stripe of the card. This means that electronic captures of transactions (either at ATM or Point of Sale) are effectively protected against counterfeiters.

A combination of static data such as account number is triple encrypted using a special Card Verification key pair. Selected digits from the result are used to create the CVV, and this is written onto the magnetic stripe.


Similar comments apply to CVV as those for Pin Offset; As the CVV consists of few digits, and triple encryption is used, the CVV keys and values are highly secure and presence of a valid CVV provides an added level of confidence that the card is not counterfeit.


It should be noted that CVV is simply an additional protection method; it is not foolproof. It does not, for instance, protect against fraudulent captures of magnetic stripe data using, say, fake ATM's.


A further development of CVV, CVV2, is used for telephone authorisations. A similar (although not identical) calculation is performed as for CVV, and selected digits from the result are physically printed on the back of the card. These digits can then be requested by a call centre wishing to determine if the caller is really in possession of the card. Once again, this is an additional check, and not foolproof.


Cryptography in a normal ATM withdrawal


Consider a common ATM transaction:

  1. A customer inserts his card in the ATM
  2. The customer enters his PIN
  3. The customer requests cash
  4. The transaction is approved, cash is dispensed

There's an awful lot of cryptography going on in this process. For simplicity, we'll assume the acquiring and issuing bank are the same.


The cryptography activity is identified in italics in the sequence:


1. A customer inserts his card in the ATM

The magnetic stripe is read and stored in a buffer in the ATM

2. The customer enters his PIN

The PIN is entered into a tamper-proof PIN pad The stored PIN is stored in a security module in hardware

3. The customer requests cash

The message is constructed in the ATM The PIN (and possibly more) is enciphered under the Terminal key

 The message is sent to the host, possibly enciphered in comms  hardware.

On receipt at the host, the comms level encryption is deciphered The CVV is calculated and compared to the value on the magstripe The PIN under the Terminal key is deciphered The PIN offset or PVV is calculated The PIN offset or PVV is compared to the database of PVV's

4. The transaction is approved, cash is dispensed


Cryptography in an EFTPoS Transaction


Even in a signature authorised environment, the CVV from the magnetic stripe can be validated at the host system to detect counterfeit cards. Clearly this only works in online environments as the CVV validation requires a cryptographic calculation to be performed at the host.

[Note: It is possible, and some manufacturers support, local key storage on EFTPoS devices and distributed terminals. Because of the key management complications, these devices are not considered here]

A more common use of cryptography in EFTPoS environments (and, increasingly in ATM and other traffic) is the MAC (Message Authentication Code). The MAC check can be thought of as a value calculated from the contents of all the critical fields in a message (such as card number and amount) and passed through a cryptographic algorithm. Although the message is carried over transmission lines in clear, the validation of the MAC field at the recipient will determine whether fields have been tampered with. [for the technically minded, MAC can be thought of as an encrypted LRC field]. The overhead of MAC is quite small. (The MAC is defined as 16 bytes in ISO8583).


In cases where cryptography is required for widespread dissemination to the public (such as PC based home banking) ordinary DES is too complex to manage securely. More appropriate and more secure algorithms such as RSA have evolved and been deployed in these environments - they are outside the scope of this paper but review of public key algorithms is especially encouraged where appropriate.






Credit Card

Practically every online business accepts credit cards, and so should yours. But you should be prepared to shop around and ask questions before settling on a provider for your credit card merchant account. This article lets you know what to expect. Maybe you haven’t been in business long enough to have to confront this issue yet, especially if you started small. Sooner or later, though, you will have to face the fact that customers prefer to make purchases using their credit cards. What’s more, when they can use their credit card, customers tend to buy more. To someone who sells anything online, be it web hosting services or collectibles through eBay, the implication is plain: you need to be able to accept credit cards. Maybe you’re still fighting it. To be able to accept credit cards, you know that you need to get a merchant account. Maybe you think it will be too expensive, or too complicated, or that you won’t qualify. While it is a good idea to shop around for an account, and there are certain questions you need to ask, it’s a relatively easy process – certainly much easier than running a business! Still not convinced? Let me give you a few points to think about. The average customer won’t take you seriously as a business unless you accept credit cards. Even arts and crafts vendors at malls take credit cards; you’re trying to sell goods and services over the Internet! Most people who buy anything online do it with a credit card; they won’t be inclined to change their habits just for you. You may have conducted some business via Western Union or PayPal. Those methods aren’t enough. Too many people are unfamiliar with Western Union. As to PayPal, there are still too many horror stories circulating about it. What it comes down to is a matter of trust. If you can accept credit cards, this means you have a merchant account, which means your name, address, and social security number are on file with a bank somewhere – so you’re not a fly-by-night. From your customer’s point of view, you’re less likely to be a crook. For argument’s sake, let’s say that you have been conducting business via cash, check, and PayPal up to this point. When should you get a real merchant account? Look at your PayPal receipts. When your monthly sales volume reaches $1,000 or more, it’s time to get real. You might even consider making the move before that point if your sales are showing a consistent upward trend.

Sunday, August 12, 2007

Instructions:1. ) Copy and paste the matrix of “ViralTags” below courtesy of Founders Cafe. 2.) Substitute the Host Tag and one of the “Viral Tags” in the matrix with your anchor text of choice with your blog’s URL. Please keep anchor text to a max of 3 words to keep the matrix size manageable. 3.) When you get a ping back from someone that has your link in one of their “Viral Tags”, practice good karma by copying his/her Host Tag’s anchor text (automatically the associated link will also be copied) and paste it over one of your “Viral Tags” below. 4.) Encourage and invite your readers to do the same and soon this can grow virally. Host Tag: P Morrow's Online Money International City Travel Asian Celebrity News One Million Shirts Tech at Hand Rich Minx Internet Marketing Austria Ageless Beauty Web 2.0 Tutorials Technology Music Life infokarir jobs Manila Mom Link Love Blogging Money Secret Internet Startup Blog Web Design Blog Daily Life Technology Make Money Blogging Steve’s Tech Blog Agloco Internet Marketing Daily Bulls Investing Tech Gadgets Stocks Affiliate Program Computer Seventy-Five Learn about e-Learning Tech Hack Ramblings Jack Book Screen Writer Guy Overseas Filipino Worker business chats Startup Entrepreneur Money 7confessions Nostalgia Manila Earn Money Online Really Smart Guy Earn Income Online Day Mind Xpression Entrepreneurship Internet Web Make Money Blogging Create a Blog Pie Hole start a blog Make Money Blogging Marketing Made Simple Tech Startups Web2.0 Music Videos Enything on life Build Rankings Fast Mrs Sparrow Hot Buzz Weight Loss Really Funny Jokes Best of Blogs The Junkie’s Wife Internet Marketing German German - USA Domain Development Blogs Sundhed og Helbred Giving Link Love Business Blog Web Photoshop Tutorials Anitokid Chronikos Klapkids Chronikos esofthub’s web finds Everything iPod Jason’s Random Thoughts Fun Web Development Monetize Your Blog Yung Silent Whisper Stratz’s Blog My Journey Dinosaurs Pinoy Blog Machine maryannaville Blogging for Money Wealth Blog Bulletproof Harpist Gadgets & Technology Make Money Home A Day in the Life The Broken Bow Batang Baler Batang Yagit Fanatic Space Cheezmizan with Chuva Catepol Wolly’s Weblog Profitable Productive Blogging Cat on my Head Bloggointestinale 2012 Movies iMod Lorad Zarcon Instruzioni Sid05 Weblog Bayle Random Access Life Mario’s Weblog Acchiappasogni Dietro e a Casa Make Money Online Anchor Text Alex 2000 My Life Personal Finance Tech Blog Business Twins Pixie Tail Gold Rushing’s Blog Trade CDs Massage Spas Bodywork Accountancy Basnav Blog Contests Angelblush GameOPS Nakanampucha Running MINI Wales Jehzlau Concepts Composed Gentleman Heroin Addiction Codependence Gold Rushin' blog Germany - USA Feedget Blogger Whale Make Money Online JLS Cisco Networking Humor Jokes Mik3 Web2.0 Founder Interviews Political Social Media Master Engrafter Making Money Online GoldyWorld Fun Static Thinkbox Running Fitness Marathons dating 40s relationships Jepoy Controversy Voices Heard MF Home Biz 4 all Down The Tracks On The Wings Of My Dreams ChronoTron E-cashworld Motiveless Crime California Web Development Speedcat Hollydale EZ Profit Henkou Blogging News & Reviews Legal Two-timer A's Asylum We are Family OTWOMD Aloemoney Pro Audio Matrix Love Potion (Gayuma) Daily tech notes Work at Home Mom earn money blog laketrees Ibujempol BundaWAH great way musing Electronica Music Diwatangbyaning Two Write Hands Karlana’s Blog - My Life MileStone Reyna Elena Cari Duit Huma B! 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As more and more bloggers copy and paste this matrix, the more backlinks you will have with your anchor text. If everybody who copy and paste from your blog does the same, pretty soon this will spread and go viral. So, the sooner you participate, the more links with anchor text you will receive. ======== Copy and Paste from Above this line ======== Build Technorati AuthorityThis idea is almost the same as the Viral Link Tags. The different is just that in here you need to favourite other bloggers if they joined this movement. Thanks to The Millionaire Secrets for bringing it to my attention.There are a few benefits that I can see here. The first is of course to get more "fav" in Technorati for your blog. And the second benefit is that you can also build up your links by using this method. Some people prefer to "fav" other bloggers more than adding them to their Viral Link Tags. So if you can build up your Technorati ranking, it is not a bad idea to try isn't it?