Tuesday, 19 March 2013

Insurance Companies are Not Your Friends | 1-800-HURT-123 ...

Millions of dollars over many decades have been spent on one thing: convincing the public that insurance companies have your best interests at heart. Whether we are talking about the Geico Gecko, the Peanuts cartoons, the ?Good Hands People,? or any of the many others, it is clear that these companies are working overtime to secure their reputation in the community. After all, when bad things happen, it is the insurance company that steps in and makes everything ok. Right? Well, actually?no.

Insurance companies, like most other companies, are motivated by profit. In other words, their one goal, above all else, is to make money. The less money they spend, the more money they make. If you are insured, and suffer a loss that is covered by your policy, your insurance company is obligated to pay you. They do not, however, have to make it easy. Whether you are dealing with your own company or the company that represents the person responsible for your loss, there are many strategies that these companies use to either deny a claim outright or minimize the amount they are required to pay.

Something else to consider is how interest works when discussing insurance company money. For every dollar that an insurance company does not pay out, interest is earned on that money. So, even a minor delay in paying your claim can mean a significant amount of money to your insurance company. Such a delay may mean nothing to a big corporation, but to you following an accident, it can mean the world. Would a company that is looking out for your interests put you through this? No.

Books can, and have, been written discussing the ways in which insurance companies take advantage of even their own customers. When you are in an accident that is someone else?s fault and they are covered by insurance, you are up against a giant corporation with thousands of employees, hundreds of attorneys, and a virtually unlimited budget. All determined to keep you from getting what you deserve.

Insurance companies are not your friend. Remember this, and you will be well ahead of the game the next time you have to deal with such a formidable adversary.

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Source: http://www.marcsnyderlaw.com/blog/2013/03/18/insurance-companies-are-not-your-friends/

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Experts: Fla. election cyberattack is 1st known case

Tim Chapman / Miami Herald

About 2,000 rejected absentee ballots at Miami-Dade Elections Department, mostly for lack of signatures or review of signatures from the last election.

By Gil AegerterStaff Writer, NBC News

An attempt to illegally obtain absentee ballots in Florida last year is the first known case in the U.S. of a cyberattack against an online election system, according to computer scientists and lawyers working to safeguard voting security.

The case involved more than 2,500 ?phantom requests? for absentee ballots,?apparently sent to the Miami-Dade County elections website using a computer program,?according to a grand jury report on problems in the Aug. 14 primary election. It is not clear whether the bogus requests were an attempt to influence a specific race, test the system or simply interfere with the voting. Because of the enormous number of requests ? and the fact that most were sent from a small number of computer IP addresses in Ireland, England, India and other overseas locations ? software used by the county flagged them and elections workers rejected them.

Computer experts say the case exposes the danger of putting states? voting systems online ? whether that?s allowing voters to register or actually vote.


?It?s the first documented attack I know of on an online U.S. election-related system that?s not (involving) a mock election,? said David Jefferson, a computer scientist at Lawrence Livermore National Laboratory who is on the board of directors of the Verified Voting Foundation and the California Voter Foundation.

Other experts contacted by NBC News agreed that the attempt to obtain the ballots is the first known case of a cyberattack on voting, though they noted that?there are so many local elections systems in use that it's possible that a similar attempt has gone unnoticed.

There have been allegations of election system hacking before in the U.S., but investigations of irregularities have found only software glitches, voting machine failures, voter error or inconclusive evidence. Where there has been evidence of a computer security breach -- such as a 2006 incident in Sarasota, Fla., in which??a computer worm that had been around for years raised havoc with the county elections voter database -- it was unclear whether the worm's appearance was timed to interfere with the election.

In any case, experts say they?ve been warning about this sort of attack for years.

?This has been in the cards, it?s been foreseeable,? said law Professor Candice Hoke, founding director of the Center for Election Integrity at Cleveland State University.

The primary election in Miami-Dade County in August 2012 involved state and local races along with U.S. Senate and congressional contests (see a sample ballot here). The Miami Herald, which first reported the irregularities, said the fraudulent requests for ballots targeted Democratic voters in the 26th?Congressional District and Republicans in Florida House districts 103 and 112. None of the races? outcomes could have been altered by that number of phantom ballots, the Herald said.

Overseas ?anonymizers? -- proxy servers that make Internet activity untraceable -- kept the originating computers? location secret and prevented law enforcement from figuring out who was responsible, according to the grand jury report, issued in December. The state attorney?s office closed the case in January without identifying a suspect.

Read the Miami-Dade County grand jury report (PDF)

Then came the Herald report, which said that three IP addresses in the United States had been identified among those sending the requests and that there had been a delay in getting that information to investigators, which a Miami-Dade elections official confirmed to NBC News. Terry Chavez, spokeswoman for the state attorney?s office for Miami-Dade County, also confirmed to NBC News that the investigation was reopened to look into those IP addresses. Chavez said she could release no details on the investigation.

Rep. Joe Garcia won the Democratic primary in the 26th District and went on to win the general election. Jeff Garcia, his chief of staff and no relation, said last week that no state or federal investigators had contacted the congressman's office about the case.

State Rep. Jose Javier Rodriguez, a Democrat who won the District 112 seat, said Thursday that his office had not heard from investigators about the case either. A message left at the legislative office of state Rep. Manny Diaz Jr., the Republican who won the primary and the general election?in District 103, was not immediately returned.

The Herald report said that as the requests began coming in, elections officials figured out that they were improper and started blocking the IP addresses. ?I guess they finally gave up,? the newspaper quoted Bob Vinock, an assistant deputy elections supervisor for information systems, as saying.?

People who study election security say the fact that this attempt did not succeed should be of little comfort to election officials. They warn that attempts to attack voting systems are likely to increase.

?In this case the attack was not as sophisticated as it could have been, and it was easy for elections officials to spot and turn back,? said J. Alex Halderman, an assistant professor of computer science and engineering at the University of Michigan who studies the security of electronic voting. ?An attack somewhat more sophisticated than the one in Florida, completely within the norm for computer fraud these days, would likely be able to circumvent the checks.?

Fraudulently obtaining absentee ballots is just one way elections might be subverted by digital means, experts say. Among the other methods and attack points:

  • ?Malware. Rogue software infects millions of home computers across the country. Jefferson said hackers could use malware to change votes or prevent them from being cast in an online election.
  • Denial of service attacks. Jefferson said that hackers could use botnets to prevent election-system servers from working for hours, or perhaps longer. In fact, during an election in June 2012, a DOS attack hit the San Diego County Registrar of Voters' website, preventing voters from tracking the results.
  • ?Spoofing? of election websites. For example, Hoke said, legitimate requests for absentee ballots could be misdirected to another site. The data then could be misused, or the requests could hit a dead end, and voters would be left wondering where their ballots were.
  • Exploiting software flaws in digital voting machines, known as DREs. The flaws could allow insertion of viruses or alteration of programming code that would change votes or delete them. (Read one description of hacking a voting machine.)
  • Tampering with email return of marked ballots. Experts say email return is?troublesome because of the multiple points for attack along the ballots? electronic path. ?The overwhelming consensus of the computer science community is don?t do it, it?s a bad idea,? said Jeremy Epstein, a senior computer scientist at SRI International. But in about half the states, email absentee ballot return is an option for members of the military and their families, along with some other U.S. citizens living overseas.
  • Wholesale hijacking of an online voting system. In 2010, the District of Columbia Board of Elections and Ethics tested an Internet-based voting system for a week, asking computer experts to probe it for flaws. It took only 48 hours for a team led by Halderman to break in and take control of the site ? even altering it so that the University of Michigan fight song played after a vote was cast.

Read the University of Michigan researchers? report on the DC hack (PDF)

In terms of illegally getting access to absentee ballots, Epstein said, the attacker or attackers who failed in Florida might have had an easier time with Washington state and Maryland.

He said that last summer he demonstrated to the FBI a method of changing individual voters? addresses and other information online in those two states by predicting their driver?s license numbers.

J Pat Carter / AP file

Absentee ballots for the general election marked for delivery to the U.S. Postal Service for mailing are seen at the Miami-Dade County election center in Doral, Fla., on Oct. 5.

First he used publicly available information to gain a voter?s full name and address. Then, he predicted the individual?s driver?s license number ? which is based on a combination of the person?s name and numbers and letters -- and used the information to access their voter registration online. From there, he said, he could have changed their addresses?and?had absentee ballots sent out.

?Imagine if (attackers) changed the address for 2,500 votes. It could be completely automated, and they have the ballots sent to a post office box or whatever,? Epstein said. ?Then the registered voters would have no idea until they tried to vote.?

In October, Halderman and other researchers sent letters warning elections officials in both states of?the danger of staking system security on driver?s license numbers.

The letter to Washington officials (read it here in PDF) also said that other security features in the state?s MyVote system would be only a speed bump to a dedicated hacker.

?Although the MyVote system uses a CAPTCHA, an image of distorted text intended to deter simple automated attacks, this provides only minimal defense,? the letter says. ?Attackers can use commercial services to defeat the CAPTCHA at a cost of less than $0.001 per voter.?

Shane Hamlin, assistant director of elections in the Washington Secretary of State's Office, told NBC News that state election officials have acted on the recommendations in the October letter and will require additional information to register to vote or change registration online.

Maryland election officials did not immediately return a call from NBC News seeking comment, but the Washington Post reported last month that Ross K. Goldstein, deputy administrator of the Maryland State Board of Elections, acknowledged the security hole and said the online voter registration system was being updated to address the issue.

?I believe technology can solve problems, and there are steps that we definitely can, and plan to, take to mitigate the risks,? the newspaper quoted him as saying.

While elections officials are attracted to the savings that online voting and registration systems promise, the cost of guarding online registration and voting systems is large, Hoke said. And that might negate the financial advantage of online balloting touted by some elections officials and vendors who want to sell electronic voting products.

?It?s cheap, if you don?t care whether elections are stolen,? she said.

That possibility -- of an election being stolen through digital means -- haunts researchers. For Jefferson, it?s a matter of national security.

?The legitimacy of government depends on it being impossible for single parties to change the results of elections,? he said.

More from Open Channel:

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Source: http://openchannel.nbcnews.com/_news/2013/03/18/17314818-cyberattack-on-florida-election-is-first-known-case-in-us-experts-say?lite

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How Blogger Helped the Steubenville Rape Case Unfold Online ...

A judge found two teenagers guilty of raping a 16-year-old girl in Steubenville, Ohio.

On the day after two high school football players from Steubenville, Ohio, were found guilty of rape, Alexandria Goddard, a crime blogger whose early and dogged research helped bring national attention to the case, is still fending off criticism that she helped create ?an Internet lynch mob.?

?I am just the messenger here,? said Ms. Goddard, 45, who once lived in Steubenville and began following the case closely after she read what was being said online about the 16-year-old victim after the arrest of the football players on Aug. 22.

Her expertise creating social media profiles of teenagers whose parents want to know what their children are doing online gave her a distinctive window on the situation. She applied her social media sleuthing skills to the online conversation about the victim and the events leading up to and around the Aug. 11 party.

?Within about two hours, I had a pretty decent outline of what was going on that night,? Ms. Goddard said, after finding the names of the high school football team members on a school Web site and then discovering their public Twitter streams.

?I was sickened,? she said in an interview on Monday. ?It was amazing the stuff that was out there and that so many people who saw what was going on recorded it in real time and yet not one person stopped it.?

After the verdict on Sunday, the Ohio attorney general, Michael DeWine, said that he planned to convene a grand jury to investigate whether others should be charged in the case. At least 16 people refused to talk to investigators about the case, which has deeply divided a town with a long tradition of supporting its high school football team and players.

Attorney General Michael DeWine of Ohio talking about convening a grand jury to continue the investigation.

Concerned that the popularity of the football program could influence an outcome in the case, and hearing frustration from residents and law enforcement officers over the lack of cooperation from witnesses, Ms. Goddard wrote about her findings on her blog, Prinniefied

She also grabbed screenshots of images and posts on Twitter, Facebook and YouTube before many of them were deleted. She said she sent them to a Steubenville police officer she knew from the time she lived there but never heard back from him.

Realizing that not everyone knew how to find the posts on Twitter, she said she also posted some screenshots of what football players at the parties had said about the victim.

?It was one thing for people in the town to hear about what was being said and another thing for them to be able to see it,? she said.

Among the images Ms. Goddard found was a photo on Instagram of two boys carrying the girl, while unclothed, which she did not post for months. She also found a Google cache of a video that had been posted online and then deleted.

On Aug. 26, she wrote on her blog:

I have been reading tweets and posts online for the past few days and I can tell you that I am DISGUSTED. TRULY and UTTERLY DISGUSTED at the things being posted by those who were in attendance of this brutal attack or the posts by their girlfriends who are disparaging the victim?s reputation. I am disgusted with the students who are protecting their friends and tweeting ?Oh, ______ better not get in trouble for this.? Tweet after tweet has been filled with support for the boys who were arrested, as well as vowing their support and willingness to stick together because they are ?#StuebenvilleStarsForever?. No, you are not stars. You are criminals who are walking around right now on borrowed time.

?Then after the first blog post, people were hungry for information,? she said. ?Local media wasn?t providing it. I kept going back.?

The outrage expressed in some of posts on the blog, with comments naming individuals at the party, deeply concerned many people in the community, which was already divided by the case. She said several old friends from Steubenville turned their backs on her. The mother of an old friend said publicly that she hoped Ms. Goddard would get AIDS.

Ms. Goddard said she was hurt and deeply disappointed by the lack of support, but others online, including the blogger Michelle McKee, jumped in to help keep on top of the case.

In October, the family of one of the Steubenville High school students, who had posted images from that night on Twitter, threatened Ms. Goddard with a lawsuit against her and the blog, and anonymous commenters on her blog. The suit was dropped in December. After the the lawsuit was dropped, the young man issued a statement, which Ms. Goddard posted:

I deeply regret my actions on the night of August 11, 2012. While I wasn?t at the home where the alleged assault took place, there is no doubt that I was wrong to post that picture from an earlier party and tweet those awful comments. Not a moment goes by that I don?t wish I would have never posted that picture or tweeted those comments. I want to sincerely apologize to the victim and her family for these actions. I also want to acknowledge the work of several bloggers, especially Ms. Goddard at Prinniefied.com, in their efforts to make sure the full truth about that terrible night eventually comes out. At no time did my family mean to stop anyone from expressing themselves online ? we only wanted to correct what we believed were misstatements that appeared on Ms. Goddard?s blog. I am glad that we have resolved our differences with Ms. Goddard and that she and her contributors can continue their work.? ? Cody Saltsman

After a detailed account in The New York Times by Juliet Macur and Nate Schweber about the divided town and the role of social media in the case, Ms. Goddard was no longer part of a small cadre of online bloggers and Twitter users following developments.

People claiming to be associated with the hacking collective Anonymous soon began stirring up trouble in Steubenville, taking credit for bringing down the city?s Web site and hacking into Web pages for the football program. As The Atlantic reported earlier this year, images, transcripts and e-mails that people had previously thought were private were posted online.

Among the items uploaded on YouTube was a 12 1/2-minute video of a Steubenville high school graduate who had gone to Ohio State University at an Aug. 11 party, laughing and joking about the victim, and talking about rape. It now has more than one million views.

Ohio State University received so many complaints about the Steubenville high school graduate speaking in the video that the university issued a statement in January that he would not be returning as a student that semester.

Ms. Goddard said she had not tried to contact the victim during her reporting because she did not think it was appropriate.

?I hope to talk to her one day,? she said. ?She is very courageous. A lot of rape victims don?t ever want to get on that stand and face their attackers. To be 16 years old, and to get on the stand, takes a lot of courage. She is a very brave young girl. She has empowered a lot of other women to tell their stories now.?

Source: http://thelede.blogs.nytimes.com/2013/03/18/how-blogger-helped-steubenville-rape-case-unfold-online/

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Monday, 18 March 2013

Prince delivers funk-filled finale at SXSW

FILE - In this Oct. 14, 2010 file photo, musician Prince holds a news conference at The Apollo Theater announcing his "Welcome 2 America" tour in New York. Prince turns off the lights at South by Southwest on Saturday night, Match 16, 2013, with an unexpected and intimate showcase that ranks among the biggest surprises in years at the star-studded music festival and conference. (AP Photo/Peter Kramer, File)

FILE - In this Oct. 14, 2010 file photo, musician Prince holds a news conference at The Apollo Theater announcing his "Welcome 2 America" tour in New York. Prince turns off the lights at South by Southwest on Saturday night, Match 16, 2013, with an unexpected and intimate showcase that ranks among the biggest surprises in years at the star-studded music festival and conference. (AP Photo/Peter Kramer, File)

This Fall 2012 publicity photo provided by Rogers and Cowan shows musician Prince performing in concert in Chicago. Prince turns off the lights at South by Southwest on Saturday, March 16, 2013, with an unexpected and intimate showcase that ranks among the biggest surprises in years at the star-studded music festival and conference. (AP Photo/Rogers and Cowan)

This Fall 2012 photo provided by Rogers and Cowan shows musician Prince performing at a concert in Chicago. Prince turns off the lights at South by Southwest on Saturday, March 16, 2013, with an unexpected and intimate showcase that ranks among the biggest surprises in years at the star-studded music festival and conference. (AP Photo/Rogers and Cowan)

(AP) ? How did Prince close out South by Southwest Music Festival's weeklong showcase of rock n' roll?

By naturally throwing a totally different kind of party: a grooving, brass band-backed funk fest that stretched to 3 a.m. and outlasted many fans lucky enough to get inside the exclusive show that also featured A Tribe Called Quest.

As Justin Timberlake and the Smashing Pumpkins headlined other SXSW wrap-ups nearby, Prince prevailed as the toughest ticket Saturday night by performing for only 300 people in his first appearance at the annual music festival that drew 2,200 bands and artists this year.

Prince towered over them all ? but his concert at the tiny La Zona Rosa club that sits on the fringe of the SXSW mayhem was no grandiose spectacle. He performed for 2? hours on a spartan stage behind a giant video board. He contentedly played bandleader instead of superstar, often disappearing backstage for stretches as the band jammed.

"They called our people and said they wanted some funk in Austin," said Prince, before belting out the last bars of a gentle rendition of "Purple Rain."

A 12-piece brass band joined the latest incarnation of Prince's New Power Generation for a run of hits like "1999" and "Cool" that jammed with a soulful backbone. The show began with the band making a Mardi Gras-style march onto the stage, only to have their horn blasts drowned out by shrieks upon fans sighting Prince in a magenta, high-collared shirt and snug black blazer.

Organizers warned the crowd three times before the show that taking pictures was forbidden. Fans who flaunted the rule were scolded by security or told to scram. Even simply using a cellphone was banned at the concert thrown by phone-maker Samsung, though promoters worked the crowd beforehand, offering customers fresh phone batteries or device test-drives.

Prince never played guitar during the set. Nor did he perform his new single "Screwdriver" that debuted earlier this year, opting instead for funk covers: Curtis Mayfield's "We're a Winner" and Michael Jackson's "Don't Stop Until You Get Enough" among them as the night dragged on and weary fans made their way to the exits early.

"Don't make me hurt you. You know how many hits I got?" Prince said during the first of several pseudo-set closers, before launching into another encore.

Green Day, Dave Grohl, Vampire Weekend, the Yeah Yeah Yeahs and Natalie Maines of the Dixie Chicks also starred at SXSW this week.

___

Follow Paul J. Weber on Twitter: www.twitter.com/pauljweber.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/4e67281c3f754d0696fbfdee0f3f1469/Article_2013-03-17-US-Music-SXSW-Prince/id-8acc526aab0a40e7b0b48ac3f2b1f6e9

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Join Us In Celebrating A Very Special Birthday

yoursignIn the years I've been writing for TechCrunch, commenters have come and gone. BrooklynSurfer, SteveJabs, and some other dudes I forgot all graced our pages and made our lives special in one way or the other. But few of our commenters have been as prolific or dedicated as a young man named Max Woolf. Dumb post about a funding announcement? Max was there. Review of a bag? Max was there. Quora question about his own opinion of how many times he comments on TechCrunch? Max is there.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/j28YRzYljnU/

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As U.S. drone monopoly frays, Obama seeks global rules (reuters)

Share With Friends: Share on FacebookTweet ThisPost to Google-BuzzSend on GmailPost to Linked-InSubscribe to This Feed | Rss To Twitter | Politics - Top Stories Stories, RSS and RSS Feed via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/291745614?client_source=feed&format=rss

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Sunday, 17 March 2013

The Sports Den's Daily NBA PIcks - 3/17

Here are?The Sports Den's NBA pipcks for today. The lines are according to Sportsbook.

??????????????????? Sunday March 17, 2013?

??????????? Game???????????????????????????????? Pick

Magic @ Bucks????????????????????????????? Magic???+9
Heat?@ Raptors????????????????????????????? Heat?? -8?
Warriors?@ Rockets?????????????????????? Rockets?? -7
Thunder?@ Mavericks????????????????????Thunder?? -4
Hawks?@ Nets?????????????????????????????? Nets? -4???????

Source: http://feedproxy.google.com/~r/TheSportsDenSportsBlogitsAllAboutSports/~3/U_3abny5-bE/the-sports-dens-daily-nba-picks-317.html

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