Long Distance Calling Cards

dipendra asked:

Wealth creation out of capital market can be very tough and time consuming task. The people who earn through capital markets have to give too much of time to understand its every aspect. But with mutual funds, investing in capital market has become all the more simpler and less risky. If followed systematically it also lead to wealth creation. Systematic investment plan, S.I.P is been termed as a path to wealth creation due to its feature of disciplined and long term nature. Capital markets are made up of a lot of different investors who participate in it. There are large institutions, such as fund houses, as well as companies, brokers and individual investors. Over the long-term, the financial market can do well but in the short- term, prices fluctuate on many accounts but the basis of fluctuation are quiet similar like fundamental reasons like company news, market sentiment, expectations, rumor or competitor activity.

There are statistical measures and techniques, such as price-earning ratios, which help determine the true value of a stock or bond, but many times in the financial market, rational measures are often ignored and sentiment can take over.

Deciding when to invest in this environment can be a stressful task. If the market is doing well you may fear that you’re buying when prices are too high. By contrast, when the market is falling, there is a reluctance to invest due to fears that it may fall further. So what should an investor do to avoid having to make these timing decisions?

Many a times by the time a common investor realize that its time to invest, the market is already at its peak.

The Systematic Investment Plan is not a type of mutual fund. It is a method of investing in a mutual fund. Systematic investment plan is commonly known as SIP. SIP is a good way to invest as it leads to disciplined and regular investment.

When you buy the units of a fund, you may do so when the NAV is really high. For instance, let’s say you bought the units of a fund when the market is at its peak, leading to a high NAV. If the market dips after that, the value of your investments falls and you may have to wait for a long while to make a return on your investment. But, if you invest through a SIP, you do not commit the mistake of buying units when the market is at its peak. Since you are buying small amounts continuously, your investment will average out over a period of time. Investing on a regular basis removes the stress of “timing the market” because you are employing the concept of “Rupee Cost Averaging”. If you are an investor in mutual funds it means that you buy more units when the purchase price is low and fewer units when the purchase price is high. The trick to all this is to remember that it’s not the price you pay for each unit that matters. It’s the average price per unit over time that determines your overall return. This will be lower than the cost accrued to lump sum investment.

More over a systematic investment carry certain other benefits for the investors like diversifying the risk. If you are investing regularly then the fluctuation in the market won’t give heart ache to the investor as the investment is not done lump sum. The investor spreads out his risk through the path of SIP.

The amount to be invested to get started is very less and therefore it is in everybody’s reach. Some insist the SIP must be done every month. Others give you the option of investing once in three months or once in six months. Similarly investor can avoid timing the market by withdrawing constant amounts periodically (Systematic Withdrawal Plan), or systematically transferring investment between different schemes (Systematic Transfer Plan).

Would you like to have access to the SIP calculators which are designed to help investors in analyzing different scenarios for automatic investment plan, which include:

Your sip need, your sip amount, sip return. Get the calculator for download on Godmind,s website.

You can put different figures/amount for generating different results and know how secured your financial future would be if you invested 1000 every month starting this month, for the next 20years and you are expecting a return of 20%(I have taken the minimum consideration, some funds give 35% to 50% return for such medium/long term investments)- the total amount that you will be receiving at the end 20 years will be :2476194.Your total investment for 20 years was 240000.

Get A Free Ipod Here

Michael Talbert asked:

In a recent report issued by CompTIA, the Computer Technology Industry Association, 50% of small and medium sized businesses (SMBs) had very little trust in the security offered by VoIP vendors, or for that matter, voice over IP security in general.

It is true, having your voice and data running on the same infrastructure leaves your telecommunications particularly vulnerable to all the security threats inherent in an IP network. Viruses, Trojan Horses, and worms can all wreak havoc on a network, and having your voice network go down for even the shortest time is intolerable for most business.

That said, security has come a long way, and most attacks can be stopped at the gateway by a good network administrator. While attacks on VoIP networks in particular are by no means widespread, the possibilities are there, if not imminent, and pose a very real threat to the very time sensitive requirements of voice over IP.

The following is a compilation of just some of the security threats facing a voice over IP network, as well as some security measures that could be taken to prevent such attacks.

SPIT: The new Spam for VoIP

Most anybody that receives email is familiar with the term Spam. Who among us has not received dozens of unsolicited emails, clogging up our mailboxes and causing us to waste our valuable time? Laws have been made to reduce the clutter in our mailboxes, and major offenders have been fined heavily and in some cases put in jail.

Spam is basically the broadcasting of advertisements, announcements, or other unwanted messages, over a network or networks, ending up in the mail boxes of anyone that has an email address on that network. At worst, spam is frustrating for the recipient, and can also cause network problems utilizing a good majority of bandwidth that is meant for other things. As email applications are connectionless and not sensitive to time delay, eventually the recipient will receive their emails intact, albeit a few minutes later than it would normally take.

Spam over Internet telephony, otherwise known as SPIT, can have far greater consequences than email spam. Spitters that target VoIP gateways can use up the available bandwidth, severely disrupting Quality of Service and causing a major degradation in voice quality.

The open nature of VoIP phone calls makes it easy for spitters to broadcast audio commercials just as email advertisements are broadcast. On closed networks like Vonage or Skype, or even your companies LAN, it is a little more difficult as the spitter would have to hack into the network in order to implement the broadcast. It can, however, be done.

The ability to broadcast audio messages over a VoIP network is not, in itself, necessarily a bad thing. Companies should be able to get out important messages quickly, and on a broader scope, emergency services could easily communicate mandatory evacuations, or warn of impending disasters in the event of catastrophe.

While Spit is certainly a technical possibility, to date, we have not seen a lot of it. In 2004, the peer to peer VoIP network Skype got hacked into, and users were inundated with unsolicited audio messages. Shortly thereafter, Skype had found and closed the loophole in the network. One other legal recourse is to get on the national Do Not Call list, to prevent solicitors from bombarding your voice mail box

Eavesdropping

Probably one of the scariest vulnerabilities of VoIP is the ability of an outsider to eavesdrop on a private conversation. This concept is nothing new to IP data networks, and generally requires a packet analyzer to intercept IP packets, and in the case of VoIP, saving the data as an audio file. Hackers then have the ability to learn user ids and passwords, or worse, to gain knowledge of confidential business information.

While it is true that eavesdropping occurs on traditional telephone lines as well as cellular networks, for someone to tap into your home phone line pretty much requires a physical presence outside your house. In the case of an IP network, a hacker requires only a laptop, some readily available software, and the knowledge of how to hack into your network.

Security analysts have long used encryption techniques to protect the confidentiality of data traveling through an IP network, and the same concept holds true for voice packets. The challenge with voice is to encrypt strongly and quickly, to protect confidentiality and as not to slow down the packet flow.

Nevertheless, if someone really wants to listen in on your calls, no type of telecommunication is 100% secure.

Phishing the Waters of Voice over IP

Another variation of an email attack, Phishing is designed to trick a user into revealing sensitive data such as user names, passwords, bank accounts, credit cards, and even social security numbers. In the case of VoIP, the attack could come as a voice mail message urging you to call a designated number and provide your user information. Even if the call is automated, touch tones can be easily deciphered. Depending on what information they get, hackers can use it to access bank accounts, or to steal identities.

While you can program a PBX to restrict call backs to known phishers, as more users become familiar with the pitfalls of the Internet, it becomes common knowledge to never give out sensitive information to automated media, be it via data or voice.

SIP Registration Hijacking

The Session Initiation Protocol (SIP) is becoming widely accepted as the method for setting up VoIP phone calls. The process involves a Registrar (in some cases the company PBX itself), which maintains a database of all users subscribed to the network, and basically maps their telephone number to an IP address.

Registration hijacking occurs when the packet header of either party is intercepted by a hacker, who substitutes his IP address for that of the legitimate one. Attacks can take the form of fraudulent toll free calls, denial of service attacks that can render the users device useless, or a simple diversion of communication.

Spoofing

Another hack that is well known in data networks is spoofing Also known as a man in the middle attack, spoofing requires hacking into a network and intercepting packets being sent between two parties. Once the IP address or phone number of the trusted host is discovered, hackers can use this attack to misdirect communications, modify data, or in the case of Caller ID Spoofing, transfer cash from a stolen credit card number.

SIP registration hijacking is a form of spoofing. Both of these spoofs, as well as other hacks such as eavesdropping, can be prevented by employing encryption techniques at the call set up phase. Today, the up and coming mechanism to achieve this is to send SIP messages over an encrypted Transport Layer Security channel. Putting these two protocols together forms the acronym SIPS.

There is no doubt that IP networks can be, and are, hacked into. Since a converged network consists of data and voice, VoIP is as vulnerable as any application to these disruptions, but with a downtime tolerance of no more than 5 minutes a year, such interruptions are considered intolerable for voice applications.

As of today, most of these security threats are not wide spread, and are presented here as a what could happen in the future scenario. Industry experts agree that as voice over Internet telephony becomes more wide spread, malicious hacking attempts are bound to follow.

These and other security threats can be prevented by a vigilant network staff, using all the known security precautions typical of an IP network. No VoIP solution is secure out of the box, and must be locked down by using common sense approaches, including but not limited to changing default passwords, closing down unused ports and services, utilizing firewalls and VPNs for network communications, and diligent intrusion detection.

Get A Free Ipod Here

Ryan Reynolds asked:

Okay, we admit, Australians are generally a beer-guzzling nation. Aussies like beer with everythingor as it is called there, piss. One almost automatically thinks the Auld Lang Syne is always sung while lifting a mug of piss.

But Aussies are also a wine-loving nation. In fact, when it comes to wine-making, Australia is the New World, with its undeniably gorgeous offering to world: the Shiraz wine. Named after that city in ancient Persia (now Iran), which 7,000 years ago transformed the local grape into a magnificent sparkling beverage, the Australian shiraz is a delicate, subtle, yet powerfully spicy experience swirling in a long-stemmed glass.

In Australia, Barossa Valley is where the most uninhibitedly full-bodied Shiraz wine comes from. From a mere five vine cuttings of the Shiraz brought to the country by James Busby in 1832, the Shiraz wine has indeed come a long way. A taste of the Shiraz wine is always an amazing plunge into something sophisticated and at the same time laced with the wilderness. Sophisticated wilderness. Which is perhaps why the world has come to equate the shiraz wine with all things Australian.

The shiraz wine is a carnival of notes, from the fruity to the spicy to the earthy. Every sip of this deep red wine tells a bold story, puts forward a complex but brilliant statement. If anything, the whole point of the Shiraz wine is a reminder not to deprive yourself of the best and most exquisite things life has to offer.

When you travel Australia then, don’t just get enamored with beer. Sit down to a lovely goblet of bubbly shiraz, take a bottle or two with you back home for your relatives, and tell them about one of the wondrous wonders you’ve discovered about the Land Down Under.

It’s about time you travel Australia and get drunk in its loveliness.

Get A Free Ipod Here

Low Jeremy asked:


When it comes to energy drinks, you need to choose the right one especially if you are always on the go. Heard of full throttle energy drink? If you haven’t, it might be the solution to your energy problems.

People who are out to work all day and still work at home need full throttle energy drink to give them the enthusiasm and balance their energy. Full throttle energy drink is a very good supplement to give your body extra strength and energy to endure the long day at the office.

This can also be perfect for people who are into sports like biking, tennis, soccer and all the other sports. When you sweat a lot, your body loses energy and regaining your strength will quite take a little hour rest. If you have no time to rest, full throttle energy drink can be a good remedy especially for continued and full time practice.

Coca-Cola has been one of the most famous brands for sodas and drinks. In fact, they have come up with the idea of introducing the full throttle energy drink. Energy comes in a black can, which has a brimstone-like logo that shows the combination logo of the famous Coke.

This has been their first time to introduce an energy drink and it is successfully booming and patronized by a lot of people. Others say that the full throttle energy drink is just like a mixture of Red Bull and Monster which are famous energy drinks long before full throttle energy drinks were introduced.

The logo of the full throttle energy drink is quite resembled with the logo of Monster while the contents and ingredients are mainly the same as the Red Bull energy drink. Some people think that it is similar to the Red Bull energy drink and it brings the same effect to the body.

The only advantage of full throttle energy drink is that Coca-Cola manufactures it, which is a leading brand since the past decades. You can find full throttle energy drink in the vending machines that can be found everywhere. Sometimes, full throttle energy drinks are sold out easily.

Some people would even purchase their own vending machines with full throttle energy drink as their main product. This is a good business because full throttle energy drink sells out easily and gives you good profit. If you want, you can even get a free vending machine from Coca-cola provided that you will only sell their product.

At present, full throttle energy drink by Coca-cola is leading the way in the energy drink market. In the coming days, it will significantly increase because it brings a good effect to the people especially in giving them energy. So if you want to try a different taste in energy drink, try the full throttle energy drink and you will surely get long lasting energy which you have not experienced in other energy drinks.

Some of the energy drinks will tell you that their products can give you full energy but then, when you look at the nutritional information and ingredients, you will find out that it is filled with flavoring ingredients with less calories and vitamins.

The only ways to find out whether full throttle energy drink is effective is by drinking it and see what it does to your body.



Download Free MP3 Music Here

Steve Norris asked:


SIP, otherwise known as Session Initiation Protocol, offers the burgeoning voice over IP telephony market some tremendous voice features and enhancements, but the service is not yet widely available at commercially acceptable levels.

As of this date, very few nationwide carriers have rolled out SIP trunking supported at the enterprise or SMB levels. A few of the larger CLEC’s have rolled out services in select test markets, but only with manufacturers that they have deemed compatible. The process of approving cross compatibility with hardware vendors has proven to be costly and time consuming, so it has substantially slowed the market’s move to SIP. Embracing new technology that fundamentally changes the way an entire market looks at voice will always take time.

VOIP hardware vendors have led the charge toward SIP technology and its cost effective deployment of voice over data, but they have been left with few options to choose from while implementing their solutions. Furthermore, many of the providers they have had to choose from are hosted providers, and that has caused a plethora of service quality issues for them to deal with. We will look at the major issue with hosted SIP trunking and how it may impact your business.

As with any VOIP provider, your voice quality will always be limited to the quality of your internet or data connection. Most commercial telephony providers do not recommend running VOIP services on anything less than a T1 line, as they have found out from experience that they get TONS of calls about quality, and the client is left to assume it must be THEIR phone system. Very few end users understand the necessity of having a quality data connection, voice prioritization, or how data traffic can affect call quality without true implementation of QoS.

SIP trunking is widely available by carriers today offering hosted solutions. They use your existing data connection and give you, in some cases, an unlimited number of SIP voice trunks and calling volume. This would seem to be a boon for large volume callers that have never experienced a true all you can eat environment for calling and for calling capacity! The problem is that the carriers offering these hosted SIP connections very rarely ever are the ones who offer the data circuit that the voice traffic must travel over. Without them controlling the voice AND the data flow on the circuit with their own monitoring equipment, the end user is left with an iffy voice connection at best. There is no QoS (Quality of service) that can be guaranteed when a voice provider has zero control over the circuit. The voice calls travel across the data line, through the public internet, and THEN to the hosted voice facility. With innumerable hops, dependable voice quality is a shot in the dark. Too many variables exist to adequately guarantee a reliable and commercial quality solution.

What are the symptoms of the lack of voice quality control? Typically, users will experience several common issues that include:

Echoing

One way audio (Either you can only hear them, or they can only hear you)

Poor audio volume

Cutting in and out (Think of a choppy cell phone call fading in and out)

Dropped calls

Lack of dial tone

Inconsistent uptime

If you have run a VoIP telephone line at home or at a small office, you will have found that a Vonage type of service has its limitations. As a matter of fact, there are very few commercial users with any type of call volume that would trust their business to that type of service to run their companies on due to the lack of dependability or reliability. The amount saved on cheap VoIP telephone service can quickly be lost when a single conversation goes wrong with a qualified client on the phone that is ready to buy. Commercial customers are looking to deal with other reliable companies, and if you are relying on tin cans and string to run your operation, where else are you cutting corners? Having poor quality phone service can cost you customers!

Risking the quality of your company’s voice conversations by using a hosted SIP trunking product is a perilous journey that will most likely end in abrupt failure. Before ever considering this option, there will be a few things you must insist on finding out:

Where are they located at?

How many hops to their facility?

Do they guarantee QoS?

If so, how?

Do they interface with your VOIP PBX or Hybrid System?

Before EVER even considering a hosted provider option one should research the availability of SIP trunking that is compatible with their commercial phone system from local reliable telecom providers that actually provide the data circuits that the SIP trunking is run on. By providing the end to end solution, if there are ever any voice quality issues, your phone company will be able to quickly isolate the issue and solve the problem. A hosted SIP company will be unable to offer that support, as they will have no ability to monitor or to test points of failure not on their own network.

SIP holds the promise of more cost effective voice communications for the future, as it effectively eliminates the need for PBX PRI cards, it utilizes voice compression ratios that allow you to more fully utilize your carrier circuits, and it allows for tighter integration with cell carriers and various applications. Make sure that any cost savings you may enjoy by utilizing SIP are not thrown away by choosing the wrong SIP solution.



Download Free MP3 Music Here