KLIK WAE DOT INFO

How do money market accounts work?

Groundware — Sat, 05 Jul 2008 17:01:34 +0000

A money market account is a type of savings account offered by banks and credit unions just like regular savings accounts. The difference is that they usually pay higher interest, have higher minimum balance requirements (sometimes $1000-$2500), and only allow three to six withdrawals per month. Another difference is that, similar to a checking account, many money market accounts will let you write up to three checks each month.

With bank accounts, the money in a money market account is insured by the Federal Deposit Insurance Corporation (FDIC), which means that even if the bank or credit union goes out of business (which is very rare) your money will still be there. The FDIC is an independent agency of the federal government that was created in 1933 because thousands of banks had failed in the 1920s and early 1930s. Not a single person has lost money in a bank or credit union that was insured by the FDIC since it began. With credit unions, the money in a money market account is insured by the National Credit Union Administration (NCUA), a federal agency.

Money earning even more money!
When you put your money into a money market savings account it earns interest just like in a regular savings account. Interest is money the bank pays you so that they can use your money to fund loans to other people. That doesn’t mean you can’t have your money whenever you want it, though. That’s just how banks make money — by selling money! Basically, it works like this:
You open a money market account at the bank.
The bank pays you interest on the money that you deposit and leave in that account.
The bank then loans that money out to other people, only they charge a slightly higher interest for the loan than what they pay you for your account.
The difference in interest they pay you verses the interest they charge others is part of how they stay in business.

How does interest work?
Interest on money market accounts is usually compounded daily and paid monthly. The cool thing about compounded interest is that the bank is paying you interest on the money they’ve paid you in interest!

Interest rates paid by money market accounts can vary quite a bit from bank to bank. That’s because some banks are trying harder to get people to open an account with them than others — so they offer higher rates.

Another difference you’ll sometimes find with money market accounts is that the more money you have in the account the higher the interest rate you get. Always check with the bank about how the interest rate may change.

It can cost you!
Like a basic savings account, money market accounts let you withdraw your money whenever you want. However, you usually are limited to a certain number of withdrawals each month. Banks will usually charge a fee (typically around $5) if you don’t maintain a certain balance in your money market account. There may also be a fee (typically around $5-10) for every withdrawal in excess of the maximum (usually six) the bank allows each month.

Because of these possible fees, you should always shop around and compare what different banks are offering. Things you should look at include:
Fees and services charges on the account
Minimum balance requirements
Interest rate paid on your balance

What happens once you have a money market account?
With a money market account you’ll get a small book called a register (like a checkbook register) where you write in your beginning balance (the amount you originally deposit) and all of your future deposits and withdrawals. This tool helps you keep track of how much money you have.

Each month, your bank (or credit union) will send you a statement of your account either in the mail or by e-mail if you prefer. The statement will list all of your transactions as well as any fees charged to your account and interest your money has earned. In order to make sure you didn’t forget to write down any withdrawals and/or deposits (and also to double-check the bank’s activities) you should go through each entry in your register and compare it with the bank statement. They should match up — this process is called reconciling. If they don’t, you’ll need to find your mistake and correct it in your register (unless it is a bank error, but that isn’t very likely).

The only other thing is to remember to make regular deposits into your money market account and sit back and watch your money grow even faster!

original article : http://money.howstuffworks.com

Embedded Firebird Server

Groundware — Sat, 05 Jul 2008 17:01:34 +0000

There is a special version of the Firebird server referred to as “embedded”. This is a special client library that includes the server itself. When an application links to this library it loads the server and allows direct access to any database that is accessible on the local computer. This version of the server does not use a security database. The user name specified during the “logon” (no password authentication occurs) is used to manage user access to database objects (via SQL permissions) but if that user name is SYSDBA (or the owner of the database) then unrestricted access is possible.The features of embedded are useful for developers wanting to create easy to distribute single-user applications that do not need security.

From that brief description it appears that having an embedded server client installed on a server hosting other databases could present itself as a major security risk. In reality the risk is no greater than if the embedded client did not exist.

When an application loads the embedded server, the server operates in the application (and therefore the user’s) security context. This means that the embedded server will only be able to access database files that the user could access directly through the operating system. Giving an untrusted user access to install programs on a secure server is bad news in any case, but provided you have specified appropriate file permissions on secure databases, the embedded server itself is no threat.

The threat comes from all the other things that the user could install.

The fact that the embedded server exists only serves to highlight what is possible given direct access to a database file, especially in an open source environment. If it did not already exist then it would certainly be possible for someone to compile an equivalent capability.

Epson Resetter Software - Epson SSC Service Utility V4.2

Groundware — Sat, 05 Jul 2008 17:01:34 +0000

Main features.

SSC Service Utility allow you to do many amazing things with Your Epson printer :
1) Work directly with CSIC in Epson Stylus printers cartridges.
2) Reset or rewrite any chip using special addon device.
3) Freeze internal ink counters.
4) Reset internal ink counters even with empty cartridges.
5) Separate cleaning of color and black heads for all Epson inkjet printers, powerful cleaning mode.
6) Hot swapping of cartridges supported.
7) Resetting of protection counter (even then it is already full). More then 100 different Epson printers supported

This allow many people with high printing demands to save some money (program works with both black and color cartridges).

Up to day this software works under Windows 95/98/ME/2K2/XP with both the LPT and USB printers.

NOTE ! You can lost Epson lifetime guarantee on print head by refilling ink cartridges!

Latest versions changes:

New in 4.20:
- support for CX4200/CX4700/CX4800/DX4200/DX4800
- support for C47/C48
- support for RX430
- support for CX6500/CX6300
- improved support for CX6400/CX6600
- improved support for RX500/RX510
- improved support for RX600/RX610
- improved support for R1800
- improved support for CX3700/CX3800/DX3800/DX3850
- improved support for C67/C68/D68
- improved support for C87/C88/D88
- many new chip models supported
- some other improvements and bug fixes

New in 4.10:
- support for PM-970C
- support for PictureMate
- support for RX700
- support for R2400
- support for PM-A700
- support for PM-G720
- support for RX520
- support for CX7800
- support for CX4100
- support for DX3800
- support for CX3800/CX3810
- support for CX3700
- support for C67/68 and Photo Editions
- support for C87/C88/D88 and Photo Editions
- support for R220/R230
- support for R320
- support for CX4500
- support for CX3650
- various bug fixes
New in 4.00:
- ability to work with additional reset device
- support for CX4600
- support for CX5300
- support for CX5100
- support for RX420
- support for RX425
- support for RX620
- support for R1800
- improved support for almost all other printers
- improved ink freezer
- improved ink monitor, implemented status information
- protection counter reset improvements
- various bug fixes
Full version history is in the help file included in distribution.

Supported printer models >>>

Please, read all instructions in help file before doing anything with Your printer!

Please, post filled test report form generated by the program (test report button) to us in case of any software problem or if Your printer is unsupported by this software (read instructions how to make test report in this case in help file) !

NOTE!

1) This is freeware project, so it is illegal to take money for this software.

2) Distribution of this software from any site other then www.ssclg.com or one of our official partners sites is prohibited!

(?) 2002-2006 SSC Localization Group

original article : http://www.ssclg.com/epsone.shtml
download : Epson SSC Service Utility V4.2

NetLimiter 2 Monitor

Groundware — Fri, 04 Jul 2008 17:02:25 +0000

NetLimiter 2 Monitor is an ultimate internet traffic monitor designed for Win 2000 and later. You can use it to monitor internet traffic of applications running on your computer. Along with this feature, Netlimiter 2 Monitor offers comprehensive set of statistical tools.

Homepage: http://www.netlimiter.com/
Download: nl_2010_mon.exe
File Size: 2.26 MB

Easy POS-GOLD Point of Sale - Free Download 5.13

Groundware — Thu, 03 Jul 2008 17:05:16 +0000

Easy to setup, and very easy to learn POS system with powerful features. A perfect solution to improve efficiency and profitability of your business at any size. Point-of-Sale, Quote, Invoice, Packing List, Track Sales History, Inventory Control System with Bar Code Scanning, Product Word/No. Search, Customer’s Questionnaires, Multiple Mailing Lists (10), Print Labels and Mailing Lists, Discount Coupons, % Discount and Dollar Discount, Office, Warehouse, Restaurant set up (table, server, cooking instruction, tip adjustments) Managements, Various Reports, Download Reports and Data to Excel, optional upload capability from Excel. Do-it-yourself company LOGO to print on various forms. Network Compatible, Good security system and HELP screens. - Long-term free evaluation period to make sure you are in business.
- As for the set up, you can start using POS-GOLD with minimum set up. Just enter the information for the most frequently sold products into product information set up screen. You can set up everything else as you go along, and feel comfortable with the system.
Learning POS-GOLD is also very simple. Icons, and captions suggest the most of the things you need to know. Then if you follow your instinct and common sense, you cannot be too far wrong. Also, ample help is provided throughout the system.

Publisher : Richland & Associates Inc.
Licence : Shareware / $0.00
Download : Easy POS-GOLD Point of Sale - Free Download 5.13 (4250k)

Submit Software Basic 2007

Groundware — Wed, 02 Jul 2008 17:01:49 +0000

Submit Software Basic 2007 used for publishing your software.

We help you submit software to 300+ download sites.
1. Check your Program information first
2. Host your PAD files if needed
3. Your software will be submitted to 300+ download sites and directories
4. Give you a comprehensive submission report.
5. Give you all logins and passwords for some need account download sites, that you can edit it anytime.
6. You will receive the Email from some download sites
7. we will submit your software in 1-3 business days.

Publisher : Submit Pad
Licence : Freeware / $29.90
Download : Submit Software Basic 2007 (2051K)

Registry Mechanic 6.0

Groundware — Wed, 02 Jul 2008 17:01:49 +0000

Registry Mechanic is an advanced registry cleaner for Windows that allows you to safely scan, clean, and repair registry problems with a few simple mouse clicks. Problems with the Windows Registry are a common cause of Windows crashes and error messages. By using PC tune-up utilities such as registry cleaners regularly, your system will be more stable, your software will run quicker, and your operating system will boot faster. Registry problems can occur for many reasons, including references left behind after uninstallation; incorrect removal of software; missing or corrupt hardware drivers; or orphaned start-up programs. With a few easy steps, Registry Mechanic will scan your entire registry for any invalid entries and provide a list of the errors found. You then can choose to clean each item or automatically repair them all after making a backup without the need for a registry editor such as Regedit. PC Tools products are free of spyware and adware.Version 5.0 improves scanning speed and problem detection, includes a customizable ignore list for selective scan, and features an online Live Update facility.

publisher : PC Tools
Licence : Free to try; $29.95 to buy
download : Registry Mechanic 6.0 (3.03MB)

Oxygen Phone Manager II 2.9.5

Groundware — Tue, 01 Jul 2008 17:01:03 +0000

Oxygen Phone Manager is the most complete software tool for managing the content and settings of a Nokia cellphone from a personal computer. It is compatible with nearly all currently available models of Nokia and can communicate with the phone through different types of connections: a cable, InfraRed or Bluetooth device.

The program offers you an impressive list of management options which are constantly being enhanced with new valuable additions. You can quickly organize and edit the content of your phonebook, synch its content with MS Outlook or Lotus Notes; manage events and tasks, send and receive SMS or MMS messages, image and video gallery and music libraries right from inside the program.

Add to this the ability to personalize the phone with your favorite images, melodies; set your own wallpapers, operator and startup logos. With the personalized settings, your phone becomes the true expression of your style.

Oxygen Phone Manager features an intuitive user interface where the main options and commands are located on the toolbar for convenience. You can easily access and modify the content of your mobile phone through the tree-like folder view just like in Outlook Express. Thanks to the clear interface architecture, you can start working with the suite in a few seconds without having to read a detailed user manual. The program will save you precious time and effort, and without driving you crazy pressing the tiny buttons on the phone. Available for Windows Me/NT/2000/XP/Server 2003.

Publisher : Oxygen Software
Licence : Shareware / $46
Download : Oxygen Phone Manager II 2.9.5 (9661K)

WinRAR 3.62

Groundware — Tue, 01 Jul 2008 17:01:03 +0000

WinRAR is a 32-bit Windows version of RAR Archiver, the powerful archiver and archive manager. WinRARs main features are very strong general and multimedia compression, solid compression, archive protection from damage, processing of ZIP and other non-RAR archives, scanning archives for viruses, programmable self-extracting archives(SFX), authenticity verification, NTFS and Unicode support, strong AES encryption, support of multivolume archives, command line and graphical interface, drag-and-drop facility, wizard interface, theme support, folder tree panel, multithread support and Windows x64 shell integration.
Designed to work on Windows 95/98/NT/2000/ME/XP/2003 WinRAR provides complete support for RAR and ZIP archives and is able to unpack and convert CAB, ARJ, LZH, TAR, GZ, ACE, UUE, BZ2, JAR, ISO, Z, 7-Zip archives.

WinRAR is available in over 40 languages. The command line version RAR is available for Linux, DOS, OS/2, FreeBSD and MAC OS X.Pocket RAR, the free WinRAR version for Pocket PCs, completes the compression product range.

WinRAR for Windows costs USD 29.00 for a single-user license. We use a volume pricing system that gives our customers better prices the more licenses they buy.

No need to purchase add-ons to create self-extracting files, it is all included.

Unlike the competition WinRAR has already integrated the ability to create and change SFX archives (.exe files) using default and external SFX modules. So when you purchase WinRAR license you are buying a license for the complete technology.

One price, one payment, once. All future UPDATES for FREE.

It has always been our policy not to charge our customers for improvements we make to RAR. So our registered users will receive all future UPGRADES for FREE.

For more information & to download the evaluation copy, visit http://www.win-rar.com.Publisher : RARLAB
Licence : Shareware / $29.00
Download : WinRAR 3.62 (1011kb)

AbiWord 2.5.1

Groundware — Mon, 30 Jun 2008 17:04:34 +0000

AbiWord is a free wordprocessing program similar to Microsoft Word. It is suitable for typing papers, letters, reports, memos, etc. It is designed to integrate perfectly with the operating system it runs on. It will take advantage of the functionality provided by the system, such as image loading or printing capabilities.

Author : AbiSource Community http://www.abisource.com/
Date : 2007-02-06
Size : 6 Mb
License: Freeware
Requires: Win All
Download : AbiWord