Business & Information technology.
Time value of money: Inflation, deflation and rates.
Use the link below to read this article:
https://cryptopotato.com/ticking-bomb-2020-growing-number-of-banks-are-introducing-negative-interest-rates
Credit: Jordan Lyanchev
Cryptopotato.com
https://cryptopotato.com/ticking-bomb-2020-growing-number-of-banks-are-introducing-negative-interest-rates
Credit: Jordan Lyanchev
Cryptopotato.com
How to create a WiFi hotspot with your Laptop without using any software
You can quickly set up a wireless LAN hotspot with your windows laptop computer using the inbuilt WLAN card without using any additional software or application by following the outlined procedure below. This wireless network can be used to connect other wireless devices together, and also to the internet if the laptop is connected to the internet. The procedure is detailed below;
1. Go to the windows start button and type in "cmd", right-click on the cmd.exe icon and click on Run as administrator (You might get a prompt 'Do you want allow the following program to make changes to this computer? click on Yes)
2. In the command window's prompt type in netsh wlan set hostednetwork mode=allow ssid=dteola key=password123$ and press the Enter key, you will get the following messages as shown in the screen-shot below. SSID is the name of your WiFi Hotspot and Key is the WiFi Password, both of which could be changed to anything you like.
3. Type in netsh wlan start hostednetwork at the command prompt and press enter to start the network. You will get a confirmation as shown below.
4. Now to allow other devices to connect to this wireless network and share the internet connection on the laptop to the devices; go to Network and Sharing center, click on network connections, or (on windows 7) in the left pane click on change adapter settings, you will see a number of connections including the new virtual wireless network you just created.
Right click on the network connection that is the source of internet on the laptop computer, click on properties, go to the sharing tab on top of the properties windows, check the box labeled 'Allow other network users to connect through this computer's internet connection', then below under 'Home networking connections' Click on the drop down arrow and choose the newly created wireless network connection from among the list, click Ok to close the properties window.
Now your laptop will act as a wireless hotspot for other wireless devices, sharing the internet connection from LAN cable or USB modem to the devices.
Be sure to secure the network with a fairly strong password.
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Good Password Practices
| credits: www.digitaltrends.com
It can be difficult to choose a good password: the password should be fairly long and shouldn't be guessable, but at the same time it should be easy to remember. Here are a few reminders of good password practices:
• Choose a good password that will be hard to crack.
• Never share your password; you may be held responsible for any emails sent by people with whom you share.
• Don’t use the same password for all your accounts.
• Avoid using non-secure networks at places such as hotels, cafes, etc. to send private information.
• Change your password after using a non-secure network.
• Change your password with some frequency, (that is from time to time).
• Change your password after traveling abroad and using non-secure networks or machines.
•Never store your password in a program, even if the program or browser asks you to.
• Consider storing your passwords to departmental shared resources with IT Security.
• Never write down a password. If you do, be sure to shred it as soon as possible.
Selecting good passwords
- Use letters from a phrase or song lyric.
Think up a phrase. For example, “Marx’s Communist Manifesto has 8196 words in it!”. Once you've decided on the phrase, choose the first (or last, or the second, or whatever) letter from each word. Marx*’s* Communist Manifesto has 8196 words in it*!*”
You’ll notice that this example includes all the punctuation. This is to improve the quality of the password.
So, your password would be M’sCMh8196wii!. It is a nice, long password with a good mixture of character classes.
- Rearranging words with numbers.
You can rearrange a particular word in the reverse order and then change the last five alphabet of the new word to the numeric equivalent to complete the password. i.e Ceremonious → Suoinomerec → Suoinom51853 or Apprehensive → Evisneherppa → Evisneh51816161. Note that the passwords begin with uppercase alphabets. Remember it should be fairly long, not guessable and at the same time should be easy to remember.
- Combine a few pronounceable nonsense words with punctuation.
For example nuit+Pog=tWi. Pronouncable nonsense words are easier to remember than random characters. In this example the words have been combined together in a way that is similar to an arithmetic formula which makes it easier to remember. Here the password is nuit+Pog=tWi. You may want to use other punctuation for similar reasons.
Handling many passwords
In the modern Internet environment, people often find that they need to juggle multiple passwords for their email accounts, web sites they visited, and different Internet-based services that they wish to use. While it is impractical to create a completely different password for every web site or account, using the same password in multiple locations is very dangerous: if the password is stolen from any one of the places where it is used, it can be used elsewhere as well.
Below are a few ideas on various ways to handle the increasing number of passwords that seem to be required these days while not making the passwords easy to guess.
• Consider what the password is protecting when choosing a password.
• Some services may not require as secure a password if they do not contain any private information.
• Consider your password as multiple parts: a central core of the password and a prefix and/or suffix which is specific to the service that is being protected.
• The passwords protecting your most sensitive information should always be different than other passwords.
• Some groups may wish to securely store passwords with a third party to prevent the loss of passwords through any number of factors.
Related: Secure Web Browsing http://dteola.blogspot.com/2013/02/secure-web-browsing.html
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Product Barcode
471 is made in Taiwan
It is our right to know about a product and it's source before we buy and make use of it, but the government and related department has never taken time to educate the public, therefore the need to rescue ourselves.
Nowadays, some businessmen know that consumers do not prefer products made in some countries, i.e 'MADE IN ***********', so they don't show from which country it is made.
However, you may now refer to the bar-code, to know which country a product is made from, for example if the first 3 digits is 690 to 695 then it is Made in China, all Barcodes that start with 690.691.692 until 695 are all MADE IN CHINA
Below is the starting digits for some other countries:
00 ~ 13 USA & CANADA
30 ~ 37 FRANCE
40 ~ 44 GERMANY
49 ~ JAPAN
50 ~ UK
57 ~ Denmark
64 ~ Finland
76 ~ Switzerland and Liechtenstein
471 ~ Taiwan
628 ~ Saudi-Arabian
629 ~ United Arab Emirates
740 ~ 745 - Central America
All 480 Codes are Made in the Philippines.
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CBN Revised Guide to Bank Charges
The Revised Guide to Bank charges was released on the 27th of March 2013, first issued in 2004, was meant to provide a standard for the application of charges in the banking industry and to minimize conflicts between banks and their customers.
In order to reflect current developments in the market and provide clarity on banking terms, the CBN recently conducted a review of the Guide, and highlighted in the table below is the section on the details of charges applicable to Electronic Banking.
DESCRIPTION
|
RATE
|
|
10.1
|
Internet Banking:
|
|
10.1.1 Token
|
Max of
|
|
10.1.2 Bills payment
|
||
10.1.3 Interbank Transfer
|
||
10.2
|
Electronic Funds Transfer:
|
|
10.2.1 Below
|
||
10.2.2
|
||
10.2.3 Above
|
||
10.2.4 RTGS
|
||
10.3
|
Annual Maintenance Fee on foreign currency denominated cards
|
|
10.4
|
Credit Card Charges:
|
|
10.4.1 Interest charges
|
2.5%
|
|
10.4.2 International withdrawals
(per transaction)
|
||
10.4.3 Late repayment
|
||
10.5
|
Debit Card Charges:
|
|
10.5.1 Issuing Fee
|
||
10.5.2 ATM Bill Payment
|
||
10.5.3 International withdrawals
(per transaction)
|
||
10.5.4 Debit card maintenance
charges
|
||
10.5.5 Cash card loading/unloading
|
No charge
|
|
10.6
|
ATM Transactions:
|
|
10.6.1 Within the bank
|
No charge
|
|
10.6.2 On other banks ATMs
|
No charge
|
|
10.6.3 On approved Independent ATMs
|
||
10.7
|
||
10.7.1 Interbank Funds Transfer
|
||
10.7.2 Intra-bank Funds Transfer
|
||
10.7.3 Bill payment
|
||
10.7.4 Cash-out Agent (to be borne
by the sender)
|
||
10.7.5 Cash-out Branch(to be borne
by the sender)
|
||
10.7.6 Mobile Money Card Reissue
|
||
10.7.7 Deposit at Agent
|
||
10.8
|
Point of Sales (PoS):
|
|
10.8.1 General Merchant
|
1.25% of transaction value subject
to a maximum of
|
|
10.8.2 Wholesale
|
Negotiable subject to a maximum of
|
|
10.8.3 Hotels
|
Negotiable subject to a maximum of
|
|
10.8.4 Food/Churches/NGOs
|
Negotiable subject to a maximum of
|
|
10.8.5 Fuel stations
|
Negotiable subject to a maximum of
|
|
10.8.6 Airline operators
|
Negotiable subject to a maximum of
|
|
10.8.7 Travel Agents
|
Negotiable subject to a maximum of
|
|
10.8.8 Card Charges (International)
|
2.5% of transaction value
|
|
10.9
|
Bulk Payments Electronic Funds Transfer:
|
|
10.9.1 Salary payment
|
Negotiable subject to a maximum of
|
|
10.9.2 Vendor payments (payable by
the vendor)
|
||
10.9.3 Single payments
|
No charge
|
|
10.9.4 Utility payments
|
No charge
|
|
10.9.5 Tax payments
|
No charge
|
|
10.10
|
Alert Services
|
|
10.10.1 Mandatory SMS alert
|
||
10.10.2 Email notification
(Optional)
|
No charge
|
|
10.11
|
PIN reissue
|
No charge
|
10.12
|
PIN reset
|
No charge
|
10.13
|
PIN mailer reprint (foreign currency denominated cards)
|
Cost of recovery subject to a
maximum of $1 |
The Revised guide to Bank charges is
issued to serve as a regulation on applicable charges for banking services and
products offered to customers and it takes effect from April 1, 2013.
TERMS:
Card Issuance Fee: Fees charged by
banks for the issuance of e-cards such as ATM cards, MasterCard, etc.
NEFT (NIBSS
Electronic Funds Transfer): is an electronic payment system that enables
the execution of transfer instruction between banks on the NIBSS platform.
NIBSS (Nigeria Inter-bank Settlement System): is an institution that
provides the infrastructure for automated processing, settlement of payments
and fund transfer instruction between banks, discount houses and card companies
in Nigeria. It is owned by deposit money banks and the CBN.
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