| Phishing As A Service, Part II
Now you no longer need an in with the international Storm syndicate to outsource your phishing attacks. On InformationWeek, George Hulme reports on a DIY phishing service: "The service automatically generates text for the phishing emails that target various Web mail and social networks, including Facebook, Hi5, Orkut, and others... While this is more of a novelty, and reminiscent of the old-time virus construction kits from the early 1990s, it reveals how heavily social networks will be targeted going forward." Hulme predicts a significant attack through the social networks. I still think it's coming from instant messaging. Posted by Joe Caponi at 12:15 PM, January 29, 2008 Return To Hot Topics .
California wildfires, higher costs send Allstate's 4th-quarter profit ...
The bigger question is whether Allstate is battening down the hatches in all the right places to avoid big exposures, particularly in hurricane-prone areas," he said. "So far, Allstate has weathered quite a few storms and still kept a high return on equity, with a combined ratio under 90. It's hard to argue with that." The company claimed 11.9 percent of the U.S. homeowners market and 9.8 percent of the auto insurance market in 2006, according to insurance rating agency A.M. Best Company Inc. State Farm Insurance Co. led both categories with shares of 21.7 percent and 15.5 percent, respectively. Net income for all of 2007 decreased by 7 percent to $4.64 billion, or $7.77 per share, from $4.99 billion, or $7.84 per share, in 2006. Revenue climbed 3 percent to $36.77 billion from $35.8 billion.
Refinance A Second Mortgage - The Right Choice To Save Money Every ...
There are many homeowners in America that have a second mortgage. If you're one of these homeowners, you may have wondered about refinancing your it. Can you refinance it, and if you can, should you? As with many financial questions, the answer to your refinancing question may be simple to answer, or it may be a bit more complex. It all depends on your particular financial situation. First of all, if you have a second mortgage, many lenders will try to get you to combine your mortgages when you refinance. That's great for them. They get a larger loan on their books that way. It may or not be the right course of action for you, however. It depends upon the terms and balances of both your mortgages weather you should combine your first and second mortgages when refinancing. If your first mortgage has a low rate it may be better to just keep it as it is.
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