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It's a Buyer's Market in Liberty City
By :
Mike Taylor
LIBERTY CITY -- Liberty City is one of the United States' largest cities, with approximately 8 million people calling it home. It is the centre of business on the East Coast and is an important port of call. However, this is not stopping the housing market from taking a downturn. Real estate agents agree that, since 1997, Liberty City has become more and more of a buyer's market.
Agents agree that they don't understand why anyone would not want to live in the colorful city, in the midst of exci
Why IBM Profits Rose 20 Percent While World Markets Fell 20 Percent
By :
John Mehrmann
Amid the panic of investors, brokers, and analysts, world equity markets plunged 20 percent in one week. IBM presented signs of survival as the company prepares to release a full earning report on October 16 that will show a 20 percent jump in profit. The enormous impact of sickly stocks, broken banks, credit crunch, cascading consumer confidence, and the reeling real estate market will continue to affect the world economy for several more fiscal quarters. However, some companies will use this incredible period to rise to the top, gaining market share and profitability, despite adjustments in overall revenue. What can be learned from those that survive and thrive during a time of economic crises?
Financial Storm : How to Survive Economy
By :
ratetake
Today the most serious crises are affecting almost everyone. Some lost lots of money, savings, 401K and other investments. Seems like in January we noticed something was wrong. But no-one expected closures of banks, Dow Jones jaw opening loses and other negative economic turmoil which is still not over.
10 Easy Ways To Organize Your Business Finances
By :
Michael G. Peterson-28703
10 Easy Ways To Organize Your Business Finances.
Ron Pollack on Investing, Family and Charities
By :
Roberto Bell
Both Yale and HBS seem to have a penchant for turning out successful investors: Jim Chanos (widely credited with exposing Enron as a fraud, whom Ron got to know back in the 1980s when they were both short First Executive Life), Zoe Cruz (a brilliant commodity trader who rose to the co-presidency of Morgan Stanley, was a sectionmate of Ron's at HBS), Jamie Dimon (CEO of JP Morgan Chase, with whom Ron used to play pickup basketball at HBS), Strauss Zelnick (media wunderkind and Chairman of ZelnickMedia and Take-Two Interactive, Ron's roommate at HBS), Scott Schoen and Scott Sperling (co-presidents of leveraged buyout giant THL, and friends of Ron from HBS), Steve Pagliuca and Joshua Bekenstein (of Bain Capital, friends of Ron from HBS and Yale respectively), Glenn Hutchins (of Silver Lake Partners, also a HBS classmate) to name just a few. Ron Pollack (http://www.ronpollack.net) is no exception.
Fund Manager Ron Pollack on Friends and Family
By :
Roberto Bell
A few weeks ago, I had the pleasure of meeting the man, Ron Pollack (http://www.ronpollack.net), who had set up what was at one time one of the largest hedge funds in the US, peaking at over a billion dollars. We met in a Florida office in early summer. He was wearing shorts and a t-shirt, and if you had passed him walking down the street you wouldn't guess the amount of finances that this man can control. During the interview, Pollack talked about his career as a short seller and hedge fund manger, the charity groups he helps, his family, and why he's decided to return to short selling after a six-year hiatus. "Short selling is what I do and I need to get back to doing it," states Pollack.
Ron Pollack: Fund Manager, Family Man, Friend
By :
Roberto Bell
If you passed him walking down the street you wouldn't guess this man had set up what was at one time one of the largest hedge funds in the US which peaked at over a billion dollars. Sitting in a Florida office wearing shorts and a t-shirt, Ron Pollack (http://www.ronpollack.net) talked about his career as a hedge fund manger and short seller, his family, the charity groups he's helped and why he's decided to return to fund management after a six-year hiatus. "Short selling is what I do and I need to get back to doing it."
What Investors Should Know About Commercial Real Estate Loans
By :
Christopher Carter
Your commercial real estate transaction does not close unless the loan is approved. You can also improve the cash flow if the interest rate for the loan is low. So the more you know about commercial loans the better decision you can make about your commercial real estate investment.
How To Choose A Debt Settlement Program
By :
Roberto Bell
As the industry of debt settlement continues to grow, there are many debt settlement programs you may consider to be in your best interest and affordable.
Supplemental Retirement Income - Why You Need It
By :
DOn Seibert
Supplemental Retirement Income can mean the difference between having a wonderful and worry free retirement and always being strapped for cash during what is supposed to be your happiest years. Here is how I created several "Cash Machines" to provide multiple streams of income for my retirement.
Staying Afloat In A World Gone Adrift
By :
Aoureliou Televko
Stating that we are living in a "world gone mad" may sound a bit drastic, but no one can deny we're hurtling towards an ugly place at a speed we can't control. The economy is going downhill, jobs are being shipped off overseas and even real estate is declining in value. How can we protect our future when our present is so dire? The outlook doesn't have to be bleak. I have the answers.
You Can Keep The Government Out Of Your Financial Affairs
By :
Aoureliou Televko
The problem is, very few of them actually offer the privacy you deserve. There is one exception to that rule. Read this if you want the answer to your private banking needs
Guide to Balance Transfers
By :
Roberto Bell
Are you tired of fighting high credit card fees? Why not lower your interest payments by transferring your balance to another card. Balance transfers are one the smartest and easiest ways to reduce credit card costs.
Delightful holiday in a fascinating Italy villa
By :
Ron Mark
You must have thought about how and where you would spend your holiday. Europe has some fabulous offers when it comes to unforgettable vacations. A holiday Italy villa is the place that could make you see the bright (and sunny) side of life. Holiday villa rental in Italy is the type of service that could make your daydreaming reality.
Mathew Lesko's Government Grants Guides
By :
nelahplour
There are thousands of programs that the government has that helps many people make there dreams come true. Mathew Lesko's Books helps to uncover the information about these programs.
The Most Beneficial Features of Low Interest Credit Cards
By :
DaveTheWriter
If youre seriously interested in knowing about low interest credit cards, you will need to read this article. This informative article takes a closer look at things you need to know about low interest credit cards. If you don't have accurate details regarding low interest credit cards, then you might make a bad choice. Don't let that happen: keep reading.
Why Low Interest Rate Credit Cards Are The Most Popular?
By :
Trevor Taylor
When looking online for the best credit card deal do you search only for the low interest rate credit cards? As the number of Internet users making an instant online credit card application increases, so the general trend moves towards the importance of APR (annual percentage rate), but is a low interest credit card as attractive as it seems?
The Industrial Index Trading Company
By :
www.Indiplan.com
How to invest with the company
Find the Solution Even With Financial Problems
By :
Groshan Fabiola
In many countries the purchase of a home funded by a mortgage is a common practice. But many people find it hard to take out such a loan, because of their prior problems
International organizations of Finance and Trading
By :
Dr. D.S. Merchant
European Common Market
GATT = General Agreement on Tariffs and Trade
G8
IMF = International Monetary Fund
OPEC = Organization of the Petroleum Exporting Countries
Current Money Trends
By :
Dr. D.S. Merchant
World Trade Organization negotiations aims to lower barriers to trade around the world, focusing on making trade fairer for developing countries. Talks have been hung over a divide between the rich, developed countries, and the major developing countries. Agricultural subsidies are the most significant issue upon which agreement has been hardest to negotiate. By contrast, there was much agreement on trade facilitation and capacity building.
History of Money
By :
Dr. D.S. Merchant
The first instances of money were objects with fundamental value are called commodity money and includes any commonly-available commodity that has intrinsic value; historical examples include rare seashells, whale's teeth, and cattle. In medieval Iraq, bread was used as an early form of money.
History of Trade
By :
Dr. D.S. Merchant
Trade originated in prehistoric times. It was the main facility of prehistoric people, who bartered goods and services from each other when modern money was never even thought of. Peter Watson dates the history of long-distance commerce from circa 150,000 years ago.
Getting An Offshore Bank Account Via The Internet
By :
Roberto Bell
There is no need to use the many middleman websites you will find via a search engine.
Tonik Health Insurance Plans From Blue Cross
By :
Dennis Alexander
Well, Blue Cross of California is now offering a trio of straight-up, practical and reasonably priced health care plans specifically designed to cover A to Zs just like yours. Theyre collectively known as TONIK, and if you happen to be between 19 to 29 years of age, plan rates can clock in as low as sixty to eighty dollars per month, depending on which of the three TONIKs best describe your lifestyle and overall health insurance requirements as well as where in CA you live, your age and your general medical history. Rates are subject to change, but TONIK can help protect your way of life from just about any mishap even itself.
Prosper: Does The Prosper Lending System Work
By :
RWC
If you need to borrow money or have some to invest the using the Prosper system may work for you.
Learning How Money Works - It Makes Sense
By :
Carrie Carter
Whether its birthday money, compensation for raking leaves, or Chanukah gelt, children often receive loose dollar bills and lots of jingling change. Yet rare is the yeshivah or Bais Yaakov that offers a class teaching them how to manage their small fortunes.
Benefits of Quality Lead Generation Services
By :
Groshan Fabiola
The increased competition generated by globalization ( target market is US ) and the better-educated consumers as a result of access to more information have turned the process of generating sales into a real challenge
Protect Your Financial Status Using Income Protection
By :
Groshan Fabiola
Everybody likes surprises and appreciates them, but when it come to the nasty and unwanted ones you have to be very careful. In this world that is full of surprises and most of them nasty ones, it makes a lot of sense to protect yourself and your family
Bad Credit Payday Loans UK - Guaranteed Cash Advance
By :
Smith Chen
Personal loans UK bring showers of relief to the bad credit holders of UK. The benefits of this loan scheme are also allocated to the bad creditors with the same proposals and offers. Personal loans UK advance funds to bad creditors with which they can recover their hampered financial status.
Why Life Insurance
By :
Graeme Nicholson
The insurance industry is booming, providing an essential lifeline for the unexpected events in life. Whether its car insurance, home insurance, pet insurance or even life insurance, the insurance industry is there to protect us against the unexpected, and to financially assist in covering the losses arising from these events.
Guaranteed Acceptance Term Life Insurance Quotes
By :
Joe Stewart
If you are looking for guaranteed acceptance term life insurance quotes, then you may be out of luck. In this day and age there are so many potential health risks and diseases that it's virtually unheard of for an insurance company to give guaranteed acceptance term life insurance quotes or whole life insurance quotes, unless...
Tenant Loans - Worried About Making The Repayments
By :
Andy Silk
Repayments may always be the downside of a loan but this article explores what you could do to help make things easier each month.
Financing Avenues For Small Businesses
By :
alfred
Though the market offers a range of financing options, it is up to the entrepreneur to choose the option that works best for the business. Thus a good understanding in this regard is a prerequisite.
Unsecured Loans - How Long Will It Take To Get My Money
By :
Andy Silk
When you need cash fast, you need to know how to get it. This article shows what factors are involved in how quickly you could get hold of your money.
Euro Tax Haven Andorra Opens Door For 500 More Tax Exiles
By :
Paul la Vella-7925
Income tax free Andorra has seen a sharp rise in residency applications over the last two years as rival tax haven Monaco's property prices have become among the most expensive in Europe.
The Andorra authorities have responded by more than doubling the residency application quotas allowed in any one year.
Online College Degrees
By :
Anand Dongre
No time for college means no degree which will greatly affect your career. With onlinecollege-degrees.net get a degree without going to the college. Visit us for more information
Tenant Loans - How Quickly Can I Get The Money I Need
By :
Andy Silk
When time is against you and you need the money to secure the purchase that you've set your mind to, waiting for the money is often not an option. How quickly can unsecured loans for tenants and tenant loans be arranged
Buying Discounted Real Estate Notes Can Be A Great Financial Sucess
By :
Joshua Geary - www.BestOnlineResults.com
Which of these would you rather have: a fifty dollar bill today, or a one hundred dollar bill in a year Most people will choose the fifty dollar bill, and who could blame them
Avoiding Credit Card Scams
By :
Peter K
If you are a first time credit card user or have had credit cards for years, it is important to know about possible scams that you can be exposed to
Are Interest Only Mortgages A Good Idea
By :
Peter Kenny
If you are looking for a home but you know that paying a mortgage will be a severe drain on your finances
Avoiding Credit Card Fraud
By :
Peter K
If you have your card stolen or you think you have been the victim of credit card fraud, then you need to sort the problem out as quickly as possible
I live in one of the wealthiest countries on Earth, so why aren't I rich
By :
JimBoSS
WHY DO MOST PEOPLE FAIL
lets examine why most people fail and how we can change it.
Are You Paying Too Much For Your Loan Insurance
By :
Peter K
When you take out a loan, it is likely that you will be offered loan insurance to protect your payments should you be unable to keep up with them due to illness or unemployment
Are Tracker Mortgages Worth It
By :
Peter K
A tracker mortgage is good for people who can cope with fluctuations in payment, and so can afford to take the risk that the payments will rise in exchange for the chance that they will get lower
Taxing Time For Andorra
By :
Paul la Vella-7925
One of the top European tax havens, Andorra is introducing Capital Gains Tax for the first time to fund infrastructure improvements.
Reverse Mortgage Requirements
By :
DOn Seibert
Reverse Mortgages have a completely different set of qualifications and requirement than do a traditional real estate mortgage. Rather than being interested in your income and ability to repay the loan, lenders of reverse mortgages care most about your home and the equity that you have in it. Here are the details.
Overdue Refunds Now Provided by Banks
By :
stephenmorgan
In the UK, Banks have been ordered by the financial watchdog, the Financial Services Agency (FSA) to refund Mortgage Exit Fees to clients they have overcharged when they redeemed a Mortgage. This is of major significance to those involved within the areas of Debt Management, Debt Settlement and Bankruptcy in general as these figures could be quite substantial overall.
Why a Reverse Mortgage May Not Be Good for Your Situation
By :
DOn Seibert
A reverse mortgage may not be the best thing for lots of senior citizens. It depends on several factors like your age, the location of your home, and the amount of equity you have in your home. Let's take a look at how to evaluate a reverse mortgage.
Make Money from Home - Make Money Online
By :
Groshan Fabiola
The trouble of everydays work can be water under the bridge as soon as you accept that you need a change in your life, your professional life
The Internet Can Help You Make Money Fast!
By :
Groshan Fabiola
The evolution that mankind has experienced over the past decades is tremendous
A Smart Move- Offshore Banking
By :
Groshan Fabiola
Offshore accounts and offshore banking are the two keywords in asset protection
Adverse Credit Home Loan Tips
By :
Peter Kenny
Now that you have your pre-approved adverse credit home loan, it is time to find yourself a property
Making Money With Adsense
By :
th bt
This article is showing how anyone can make money with adsense. This is an easy money maker and can put loads of money in the bank.
FINANCIAL SUCCESS - WHAT IT IS ALL ABOUT
By :
Thomas H. Lindblom
All of us dream of the time when we will have more money than we can spend. For some of us, the dream does come true, but others may not be so lucky. While Financial Success may seem like an impossible dream, it is not something unachievable.
Are Interest Only Mortgages A Good Idea
By :
Peter K
Although you dont pay the capital back directly through your monthly mortgage payments, you indirectly pay for the capital
Guide To Asset Protection
By :
Zetland
This guide has been prepared by the Zetland Financial Group Limited and is intended for the information of clients or prospective clients. As such, it is designed to provide
general information about Asset Protection. The information set out is not, nor is it intended to be, exhaustive.
Tax Free Residents Enjoy A Longer Life!
By :
Paul la Vella-7925
No IRS or other tax office could be why people living in the tax haven of Andorra are adding years to their lives...
Tenant Loans Online - The Power Of The Web
By :
Andy Silk
With every new generation, the pace of life gets faster. Shopping for a loan is now much easier than ever before because of the internet and this article explains all you have to do. It's so simple!
Using Stock Trading Signals to Your Advantage
By :
Adam J. Heist
Signals are the indications of market conditions. These are extremely beneficial for an investor who wishes to remain in the market with an investment for only a short period of time
CREDIT CARD THEFT & FRAUD: YOUR WORST NIGHTMARE
By :
Thomas H. Lindblom
Anyone who owns a credit card will confess that their worst nightmare is credit card theft and subsequent fraud. The popular TV series Friends has an episode where Monicas card gets stolen and the lady who steals it has a ball, doing all that she wanted to but couldnt because of lack of money. Ultimately, though she does get caught and sent to jail, but the message is loud and clear credit card fraud is a reality today and is the worst nightmare that can hit you.
Adverse Credit Home Loan Tips
By :
Peter K
If you have only been able to rent property in the last few years due to poor credit, you may feel the time is right to buy a property using an adverse credit home loan
Understanding The Basic Finance Options
By :
tangopang
No matter what our goals happen to be, most of us find ourselves in need of good sound finance advice from time to time. We can find all sorts of qualified finance advisers around us. Our local bank is usually willing to help us understand the workings of saving and investing, and without charging anything for going over the basics. Many communities have non-profit organizations that help with preparing budgets and providing counseling when persons are in need of a few tips on breaking bad financial habits.
Tenant Loans - How Much Could I Borrow
By :
Andy Silk
Can you borrow any amount you like This article looks at how your circumstances can govern the amount a lender is prepared to lend to you and provides some handy tips for the first-timer.
Understanding Mortgages Better
By :
Adam J. Heist
The various terms, rules, fees and options that are associated with a mortgage application are enough to scare a first-time mortgage applicant
A Guide To Business Insurance
By :
Peter Kenny
If you have a business, then it is important to get the right level of insurance to protect your business interests
Unsecured Loans - Should I Apply To A Lender Or A Broker
By :
Andy Silk
Need a loan but not sure who to apply to There's plenty of choice but this article looks at what you should consider before applying so that you cut down on wasted effort and increase your chances of success.
The Grand Benefits of Student Loan Consolidation
By :
Adam J. Heist
Consolidating loans has become the most common way in which students are solving their educational indebtedness today.
Why Use Cash Advance Features
By :
Peter Kenny
Another thing to remember with cash advances is that you usually cannot use all of your available credit for such purposes
Refinance Mortgage
By :
rateempire
What about get rid from your monthly high payments to a lower one How that would be if on the same time you get some extra cash to spend
Understanding asset protection trust
By :
Groshan Fabiola
In order to understand fully this concept everyone should clear up the term trust. First, the grantor is the person who shows the interest in protecting his assets. The trustee is the other part who is obliged to protect the assets.
Make sure your asset protection strategies are bulletproof
By :
Groshan Fabiola
The strange and sometimes puzzling evolutions in the business world ask for more and more secure methods of protecting the clients assets. In spite of all popular articles claiming the right to be taken into consideration, asset protection strategies depend on individual perceptions.
Asset protection plans
By :
Groshan Fabiola
The redistribution of wealth from the more fortunate to the less fortunate is facilitated by the progressive tax system in the United States. It is also made by the judicial system through litigation, therefore many of entrepreneurs, business owners, retirees and others who have cumulated significant amount of wealth are often financially devastated by the U.S. judicial system.
A Guide To Business Insurance
By :
Peter K
The easiest way to obtain business insurance is by using an insurance broker who has expertise in your particular business area
Tenant Loans - Should I Be Worried About Applying To A Lender I've Never Heard Of
By :
Andy Silk
Can't I just apply to one of the major banks for my loan Well you could, but there's no guarantee that they will provide a service to you since, like with all financial institutions, they may specialise in very specific types of customer profiles. If you apply to a broker however, you're more likely to find a lender that's right for you.
How Mortgage Calculators Help to Understand Amortization
By :
Adam J. Heist
While talking about your mortgage with your loan officer or broker, you must have seen them flashing out a strange kind of calculator and finding out several things about how your loan would shape out to be in future years
What is FHA Reverse MOrtgage Insurance
By :
DOn Seibert
The Federal government has instituted a program under the Dept of Houseing and Urban Renewal (HUD) to provide insurance on reverse mortgages. Is this insurance important and do you really need it
Tenant Loans - Should I Apply To A Lender Or A Broker
By :
Andy Silk
Applying for unsecured loans through a finance broker could seriously increase your chances of success. This article explains why.
Understanding Technical Analysis Part One
By :
Adam J. Heist
Charts are important tools used in making a technical analysis of the stock market. Though the fluctuations are marked daily on the charts, for an untrained eye it could be a bit of time before it would be able to fully understand the implications of the variations in the charts from one day to another
Understanding Technical Analysis
By :
Adam J. Heist
Stocks need to be understood before making any major moves. This can be accomplished by a few methods known as analyses.
Get Deals on a Home Equity Line of Credit , Home Equity Loans and More
By :
Roberto Bell
The massive growth of the internet has meant a win-win situation for both loan companies and the public.
The American Express Credit Card - An Excellent Choice for Your Business
By :
Groshan Fabiola
There will be a time when real paper or metal money will cease to exist the way they exist today. There was a certain step made when the banks or the credit companies introduced the plastic. And by plastic I mean the very efficient credit cards.
Refinance
By :
rateempire
Refinance is one of the most convenient ways to repay a loan because refinancing means to apply for another loan to pay back a previous loan on the same mortgage. The most common mortgage is generally one's home.
Tenant Loans - Why Can't I Get The Low Rate Advertised
By :
Andy Silk
So you want a low rate loan, huh Think you're going to get it Think again. Very few people actually qualify for the low rate advertised and this article explains why.
Top 5 Mistakes People Make When Refinancing Their Home
By :
Bob Pinz
People choose home loan lenders for all the wrong reasons. Getting a low rate is important, but it's not the only consideration!
Reverse Mortgage for Seniors - Why You Need Independent Counseling
By :
DOn Seibert
One of the most popular forms of mortgages today, especially for senior citizens is the reverse mortgage. Here will explore the need to obtain independent counseling before committing to any reverse mortgage.
Benefits And Drawbacks Of A Variable Rate Card
By :
Peter K
Of course, whether you get a variable rate card or fixed rate card is irrelevant if you pay your balance off in full each month, because you wont be paying interest
Tenant Loans - Does It Matter What APR I'm Offered
By :
Andy Silk
Borrowing money is not always an easy thing to do but doing it cheaply is another matter all on its own. This article shows you what you should consider when taking out a loan and how to apply to give yourself the best chance of getting the best deal.
Affordable Health Insurance and How to Get it.
By :
Dennis Alexander
Getting and keeping affordable health insurance in your state is up to you. With health insurance market constant changing with new laws, new research and increasing cost of healthcare. It is up to us to do our research to understand health insurance and the ways on how we can control health insurance costs. Health insurance companies to stay competitive understand the need for affordable health insurance plans. Insurance companies are constantly changing their health plans to make them more affordable. The only real way to make health insurance plans more affordable is to exclude certain benefits. It is a risk that insurance companies are taking. Since most of the time when shopping for the health insurance plan most people do not understand what is exactly covered and what is not covered.
Chase Credit Card and Discover Credit Card
By :
Groshan Fabiola
As many of you already know, it is highly recommended that you study all the options available before choosing a particular credit card. Given the number of credit card issuers and the different benefits they offer for each type of card, your choice may seem quite tough.
Where Can You Get A Credit Card
By :
Peter K
One of the newest suppliers of credit cards are supermarkets. Due to their massive presence in towns and cities, supermarkets are branching out into financial service products such as credit cards
Unsecured Loans - How Does APR Affect Tenant Loans
By :
Andy Silk
So you're going to raise some finance Whatever you do, don't forget to check how much the loan may cost. This article aims to show you what you could do to keep your repayments down .
Financial Spread Betting in the UK
By :
Adam Jepsen
Financial spread betting investments are made on the movements of price of a financial instrument. Financial spread betting in UK is a highly popular investment option but one needs to understand the nature of the financial instrument chosen to make the investment effective in financial spread betting in UK.
When Do You Really Need Credit Cards
By :
Peter K
Although credit cards can cause debt and other problems, for most people they are a necessity for everyday life, and are required for them to live their life properly
Financial Solutions for Recruitment Agencies
By :
KenWilson
The growth in demand for skilled, semi-skilled, and daily wage labor is at unprecedented levels as world economies expand. To keep pace with this demand, recruitment agencies try different models of business to survive in extremely competitive environments. They have to constantly evolve, and this creates the need of additional recruitment finance. Moreover, recruitment agencies face some unique problems.
Advices on online enterprise opportunities
By :
Jan Smit
Now this commentary will focus on how to find a market that is underutilized which you can use to your advantage and form your business on. The suggestion is that you have to try out to discover a niche starving for information, you will spot that this is the top advice on internet business opportunities and if other folks mean well they have to agree with that statement.
Using Credit Cards And E-commerce On Your Web Site
By :
Peter K
The easiest and quickest method to use is generally a third party merchant, as they can be set up in a few minutes and have very little or no signup costs
Using Commercial Cards In Your Business
By :
Peter K
Although credit cards are the most common commercial cards, there are other cards available. Charge cards for business purposes are similar to regular charge cards
Money News Made Easy
By :
James Copper
This article looks at how you can use various search engines to keep up-to-date with the finance news.
How To Avoid Online Credit Card Fraud
By :
Peter Kenny
It is important to remember that as well as being safe online, you should make sure your computer itself is safe
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