Make your flashdrive virus proof

Most of malware found now-a-days are spreading via flash drive.

anti malware - protect your flashdrive @techrefer


Here is a tip, how to make your flash drive virus proof.

By doing this your flash drive will not allow to be written or executed at its root, where they host the malicious files on your pendrive, the folder that you created will have total control and without the existence of virus. Unless you put a virus there.

Click to Watch how to do this? 

1st step: Format your pen drive as FAT32 (right click on your pen icon and click format). If your pen is formatted to NTFS , and skip to step 3.

2nd step: Lets convert the pen drive to NTFS, open cmd.exe and type “convert e: /fs:ntfs” (without quotes), where “e:” is the pen drive letter attributed by windows.

3rd step: Open my computer->Organize->folder and search options->View Tab and untick “use sharing wizard”

4th step: Make a new folder in your pen drive, and from now you will put your files in that folder.

5th step: Now right click in your pen drive icon, click properties and go to the security tab.

6th step: In permissions for all users only leave ticked the “read and execute”, “list folder contents”, and “read”.

7th step: Repeat step 6 but instead of setting the security parameters to the pen drive do it only for the folder that you created inside it.(Now edit permissions again to all users but now give total control).

Is your Anti-Virus Software working?

Is your Anti-Virus Software working?

anti virus status test @techrefer


Try the below experiment to test the status of your anti-virus software, protect yourself before getting effected by real virus.

1 – start notepad > start > type notepad
2 – copy and paste the following text in Bold in the notepad
X5O!P%@AP[4\PZX54(P^)7CC)7}$EICAR-STANDARD-ANTIVIRUS-TEST-FILE!$H+H*
3 – save as blablabla.txt.

4 – If your anti-virus detected it, then It’s working fine, if not, FIND A BETTER ONE.
5 – i tested that trick, it looks like both Eset and Microsoft Security Essential are fast and good ones.
6 – Enjoy.

Increase your computer’s performance

Increase system performance @techrefer

If your computer has begun to slow down after several months of usage, there a a couple of minor changes you can make to your settings that will help increase the performance of your computer. Tweaking Windows is essential to get the maximum performance for your computer. Even on a fast computer, if the settings are incorrect, the computer will perform poorly.

Virtual Memory Settings:

Virtual memory for your computer is hard drive space used by Windows when it fills up the physical RAM. Let’s say you have a computer that has 256MB of RAM and you’re running several applications at once that might need a total of 400MB of memory. Windows will fill up the 256MB and then use the free space on the hard drive to store the rest. This is called the Paging file or Virtual memory and Windows will increase and decrease the size of this file as needed. Writing to disk takes much longer than writing to physical RAM, so when Windows uses the paging file, computer performance degrades.

Click to Watch on how to change Paging file settings

Facebook shortcuts

facebook shortcuts @techrefer


Here is wonderful list of Facebook shortcut keys, which links some must see pages on facebook.com
Works on Internet Explorer & Firefox. Might be in Chrome too.

Just while using Facebook.com use these Shortcut Keys For Facebook as shown below

Shift+Alt+0 : facebook help center
Shift+Alt+1 : facebook homepage
Shift+Alt+2 : your facebook profile page
Shift+Alt+3 : friend request
Shift+Alt+4 : messages
Shift+Alt+5 : notification
Shift+Alt+6 : account page
Shift+Alt+7 : privacy setting
Shift+Alt+8 : facebook’s page on facebook
Shift+Alt+9 : facebook terms of use
Shift+Alt+? : enable search
Shift+Alt+m : compose a new message

Look-ups Before Buying an Insurance

As soon you become 25, and start handling your own money, elders, family and friends starts to prophet you about the need of an insurance policy. You ask your financial advisor and he suggests you some policies by saying, “They are good insurance products”, and you end up buying any one. Before you commit such mistake, have a look on these tips which will help you to know about what kind of insurance you need, suggested by Lovaii Navlakhi, CEO of International Money Matters.

These tips will surely make you smart enough to take your own financial decision.

1. Calculate the amount of insurance required
2. Decide on the type/types of products
3. One big policy or many small policies
4. Premium affordability
5. Matching goals with products
6. Choosing a company
7. Providing information
8. Claim settlement ratio
9. Offline/ Online
10. Adding riders

Read More...

Rules of great financial life

Everything in life has basic ground rules, which we should never forget. You can consider these ground rules as the pillars of your decision making activity. Even our financial lives have some ground rules to follow in order to have a great and enriching life. Over the last 5 years of writing this blog and having interacted with thousands of people, I can clearly conclude that more than making right decisions in financial life, you should focus on avoiding bad decisions. I have seen so many people who have been careful, not messed up things and their financial life quality is really awesome. They have not lost wealth due to foolish mistakes and live a clean financial life overall and while they feel lag behind others, I can say they are ahead of others in many ways. Yes – They have not taken awesome decisions, but the best part is they have not made terrible mistakes either.

Lets explore more on this today

1. Rule of Earning
2. Rule of Spending
3. Rule of Savings (Saving = Income – Expenses)
4. Rule of taking Risk
5. Rule of Investing
6. Rule of Expectation

Read in detail...

Financial Must Do’s Before You Turn 40

As Victor Hugo said, “Forty is the old age of youth; fifty the youth of old age,” then we all are old enough to take charge of our finances. As managing our finance is getting tougher by the minute, we must start planning for our retirement at the earliest. As society expects you to be well-settled by the time you’re 40, you must follow a few steps in order to be so.

Here are 5 financial commandments before we turn 40, as listed by Personal Finance.

1. Have a PPF (Public Provident Fund) Account
2. Fill Your Contingency Fund
3. Control Your Debts
4. Have Adequate Insurance
5. Know Your Magic Number

Read More...

Mutual Fund Myths

Fund distributors use various marketing and selling tactics to attract investors. They often present half-truths as facts and create misleading opinions in the minds of the investors, which can be detrimental to the investors’ interests. Let us look at some of the misconceptions of fund investing.

Myth: A balanced fund is always equally balanced in a 50:50 ratio.
Myth: SIPs (systematic investment plan) score over lump sum investing.
Myth: Funds that regularly declare dividends are good buys.
Myth: Funds with a large corpus can generate higher returns.
Myth: Childrens’s mutual fund schemes are ideal to assure a child’s future.

Read More...

How to Save Money from Salary Each Month

Save money for better tomorrow

Not to forget that the entire IT world went on toss in the yesteryears when the recession stroked and the outcomes of which was very deadly for some people. People those who had extra saved money were pretty comfortable time otherwise the rest had to shell out with theirs cars, homes, etc to payoff theirs debt.

  1. Frame your budget
  2. Remember to spend less
  3. Buy groceries in bulk
  4. Be wise to make purchase in Offers/sale
  5. Use credit card wisely
  6. Invest some money every month
  7. Avoid Eating out
  8. Use energy properly
  9. Avoid Loans 
Read More...

Life Insurance Myths

Life insurance is not a simple product.

Even term life  policies have many elements that must be considered carefully in order to arrive at the proper type and amount of coverage. But the technical aspects of life insurance are far less difficult for most people to deal with than trying to get a handle on how much coverage they need and why. This article will briefly examine the top 10 misconceptions surrounding life insurance and the realities that they distort.

Myth #1: I’m Single and Don’t Have Dependents, so I Don’t Need Coverage
Myth #2: My Life Insurance Coverage Needs Only Be Twice My Annual Salary
Myth #3: My Term Life Insurance Coverage at Work Is Sufficient
Myth #4: The Cost of My Premiums Will Be Deductible
Myth #5: I Absolutely MUST Have Life Insurance at Any Cost
Myth #6: I Should ALWAYS Buy Term and Invest the Difference
Myth #7: Variable Universal Life Policies Are Always Superior to Straight Universal Life Policies Over the Long Run
Myth #8: Only Breadwinners Need Life Insurance Coverage
Myth #9: I Should Always Purchase the Return-of-Premium (ROP) Rider on Any Term Policy
Myth #10: I’m Better off Investing My Money Than Buying Life Insurance of Any Kind

Read More...

steps to better investment planning

Managing your investments becomes easy when you make it a habit to save, even if it’s very little money. You need to keep a meticulous account of personal income versus expenditure on a monthly basis before you start investing.

Here are some steps you can follow:

Step 1:  Create a budget and track your expenses
Step 2:  Pay off your existing credit card debts
Step 3:  Save effectively for a rainy day
Step 4:  Design a disciplined savings program
Step 5:  Invest in education, pension, and retirement insurance plans
Step 6:  Buy yourself your dream home
Step 7:  Invest in a diversified investment program or systematic investment plan

Read More...

Financial Tips For Young Adults

Unfortunately, personal finance has not yet become a required subject in high school or college, so you might be fairly clueless about how to manage your money when you’re out in the real world for the first time. If you think that understanding personal finance is way above your head, though, you’re wrong. All it takes to get started on the right path is the willingness to do a little reading – you don’t even need to be particularly good at math.

To help you get started, we’ll take a look at eight of the most important things to understand about money if you want to live a comfortable and prosperous life.

  1. Learn Self Control
  2. Take Control of Your Own Financial Future
  3. Know Where Your Money Goes
  4. Start an Emergency Fund
  5. Start Saving for Retirement Now
  6. Get a Grip on Taxes
  7. Guard Your Health
  8. Guard Your Wealth
  9. A Financial Basis for Life
Read More...

Motor Vehicle Accident Claims: Indian Laws

Indian laws on accident claims are quite stringent. The laws were formulated by prioritizing the best interests of the victims and those who are liable to disburse the compensation, such as insurance companies. Indian laws on motor vehicle accident claims are strict but beneficial for victims in claiming their legal rights in a court of law.

The Fatal Accidents Act, 1885 was enacted in India to protect the legal rights of the accident victims and their legal heirs. This Act entitles the legal heirs of a deceased accident victim to claim compensation from the person who committed negligence.
 

Indian Law on Accident Claims: Introduction of the Motor Vehicle Act

 
Indian law on accident claims is relevant due to the higher rates of accidents leading to loss of life and property across the country. In 1988, the Government of India introduced the Motor Vehicle Act, to make the Indian laws on accident claims more effective.
 
The Act provides for compulsory third party insurance and procedure of adjudication, to ensure relief to victims of accident cases. Also, the Act stipulates for establishment of Motor Accident Claims Tribunal to address the accident claim cases. This means that if you are a victim of a motor vehicle accident, your first point of reference to press for a claim is at the aforementioned tribunal that has been established to address similar claims.
 

Indian Law on Accident Claims: No Fault Basis and Mandatory Vehicle Insurance

 
Indian law on accident claims pertain mostly to the Motor Vehicle Act. Section 140 to 144 of the Act provides for No Fault Basis, which ensures relief to the families of victims who are killed in hit and run accidents, and where the killer vehicle is not identified. Compensation is granted, only if the following is proved:
  • Accident was caused by the offending vehicle.
  • The offending vehicle was insured.
  • Death or injuries were caused by the accident.
 
Section 145 to 164 of the Act provides for mandatory third party insurance, which is compulsory for a vehicle owner. This means that if you have a vehicle that you use to move in public places, you cannot do so legally unless you have an insurance policy. Typically, your insurance policy papers must always be kept in the car with your car registration and driving licence. Section 146(1) of the Act prohibits a vehicle owner from using the vehicle in a public place without undertaking an insurance policy in compliance with the Act.  
 
Further, the Act provides for unlimited liability and limited defense of the insurance companies. Several court judgments passed by the Supreme Court have restricted the legal defense strategies put forward by various insurance companies. Also, the liability to prove the limited defenses rests on the insurance companies.
 
The limited defenses allowed to be made by the insurance companies include:
  • Use of vehicle for racing and speed testing.
  • Use of vehicle not allowed by permit.
  • Divers without a valid Drivers license or who have been disqualified from owning Drivers license.
  • Void insurance policy due to non-disclosure of crucial facts.
Ref. lawisgreek.com

Signs of Impending Divorce

Most couples end up in divorce court because they wait until it is too late to get the help needed to save their marriage. Not dealing with marital problems can mean a build up of resentment; hurt feelings and can cause one spouse to emotionally detach from the other. Below are six signs that you may have waited too long to save your marriage.

  1. You Often Dream About a Life Without Your Spouse
  2. The Bad in The Marriage Outweighs The Good
  3. You Keep Things to Yourself
  4. Your Defense Mechanisms May be Setting You Up For Trouble
  5. You Feel Like You are The Only One Trying to Solve Problems
  6. You Rarely, if Ever Have Sex
Read More

Ref. about.com

List of Mobile Brands

List of Mobile Brands @techrefer
List of Mobile Brands

Below is the list of brands available in mobile technologies.

Acer  ,Amazon  ,Apple  ,AT&T  ,BenQ  ,Bird  ,BLU  ,Casio  ,Chea  ,Ericsson  ,Fujitsu Siemens  ,Gigabyte  ,HP  ,Huawei  ,i-mobile  ,Innostream  ,Karbonn  ,Lenovo  ,Maxon  ,Micromax  ,Mitac  ,Modu  ,MWg  ,Neonode  ,Nokia  ,Oppo  ,Palm  ,Pantech  ,Philips  ,Qtek  ,Samsung  ,Sewon  ,Siemens  ,Sony  ,Spice  ,Tel.Me.  ,Thuraya  ,Vertu  ,VK Mobile  ,WND  ,Xiaomi  ,ZTE  ,Alcatel  ,Amoi  ,Asus  ,Benefon  ,BenQ-Siemens  ,BlackBerry  ,Bosch  ,Celkon  ,Dell  ,Eten  ,Garmin-Asus  ,Haier  ,HTC  ,i-mate  ,Icemobile  ,iNQ  ,Kyocera  ,LG  ,Meizu  ,Microsoft  ,Mitsubishi  ,Motorola  ,NEC  ,NIU  ,O2  ,Orange  ,Panasonic  ,Parla  ,Plum  ,Sagem  ,Sendo  ,Sharp  ,Sonim  ,Sony Ericsson  ,T-Mobile  ,Telit  ,Toshiba  ,verykool  ,Vodafone  ,XCute  ,Yezz 

Acer
Alcatel
Amazon
Amoi
Apple
Asus
AT&T
Benefon
BenQ
BenQ-Siemens
Bird
BlackBerry
BLU
Bosch
Casio
Celkon
Chea
Dell
Ericsson
Eten
Fujitsu Siemens
Garmin-Asus
Gigabyte
Haier
HP
HTC
Huawei
i-mate
i-mobile
Icemobile
Innostream
iNQ
Karbonn
Kyocera
Lenovo
LG
Maxon
Meizu
Micromax
Microsoft
Mitac
Mitsubishi
Modu
Motorola
MWg
NEC
Neonode
NIU
Nokia
O2
Oppo
Orange
Palm
Panasonic
Pantech
Parla
Philips
Plum
Qtek
Sagem
Samsung
Sendo
Sewon
Sharp
Siemens
Sonim
Sony
Sony Ericsson
Spice
T-Mobile
Tel.Me.
Telit
Thuraya
Toshiba
Vertu
verykool
VK Mobile
Vodafone
WND
XCute
Xiaomi
Yezz
ZTE
Tips Tricks And Tutorials
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