Wednesday, September 16, 2009

XP: Small, Free Way to Use and Mount Images (ISO files) Without Burning Them

XP: Small, Free Way to Use and Mount Images (ISO files) Without Burning Them

Contributor Icon Contributed by MickeyMouse Date Icon August 27, 2004
ShareThis Tag Icon Tagged: Windows
Click here to find out more!

Microsoft has an unsupported virtual CD-ROM program. Why buy alcohol or Daemon Tools?


Alcohol and Daemon Tools are excellent software packages that allow users to mount ISO files as virtual CD-ROMs. Yes, there is a way to use that ISO without burning it to a disk.
Although I love these tools, Microsoft has a free, 60kb program that does the same thing! Of course, it is not supported… and it’s not as friendly as the software listed above; however, it works and it’s free.
Here’s the download link:
winxpvirtualcdcontrolpanel
Here’s the readme:
    Readme for Virtual CD-ROM Control Panel v2.0.1.1 THIS TOOL IS UNSUPPORTED BY MICROSOFT PRODUCT SUPPORT SERVICES
    System Requirements
    ===================
    - Windows XP Home or Windows XP Professional
    Installation instructions
    =========================
    1. Copy VCdRom.sys to your %systemroot%\system32\drivers folder.
    2. Execute VCdControlTool.exe
    3. Click “Driver control”
    4. If the “Install Driver” button is available, click it. Navigate to the %systemroot%\system32\drivers folder, select VCdRom.sys, and click Open.
    5. Click “Start”
    6. Click OK
    7. Click “Add Drive” to add a drive to the drive list. Ensure that the drive added is not a local drive. If it is, continue to click “Add Drive” until an unused drive letter is available.
    8. Select an unused drive letter from the drive list and click “Mount”.
    9. Navigate to the image file, select it, and click “OK”. UNC naming conventions should not be used, however mapped network drives should be OK.
    You may now use the drive letter as if it were a local CD-ROM device. When you are finished you may unmount, stop, and remove the driver from memory using the driver control.

Sunday, August 30, 2009

How To Get Back Our Lost Handphone

Originally from http://mikefilsaime.com/blog4/

How I Got My Lost iPhone Back From a Good Samaritan



3
Comments
OK – Yes. I know MobileMe offers a “Find My Phone” – But I did not have that. (Now I do.) But that means that you have to find the “location” and go knocking on doors and all that chasing stuff. Still better than never getting it back.
And yes, I know I have a $500 reward. But heck, a new iphone is $699.00 when you are not starting a plan. So that is CHEAPER for me. And for the finder, he can take my reward money and buy a new one for $299 and profit $200. So it is better for him to return it than keep it.
And yes, I know there are “apps” that do I what I am about to show you. But they suck and this is EASIER and it looks better and it is FREE.
So here is what I did to get my phone back.
Step #1 – I open the “Notes” app that comes with every iPhone.
Step #2 – I went down 3 lines before typing (This makes sure the text is not hidden by some of the iphone messages that are on when you turn on the phone.)
Step #3 – I typed THIS MESSAGE below.
Lost iPhone Message
Lost iPhone Message
Step #5 – I took a screen shot of the note by hitting the POWER BUTTON on the top of my iPhone and the HOME button on the front of the iPhone at the SAME TIME. (It then saves the PIC to your “Camera Roll”
Step #6 – I then went to “Settings” >> “Wallpaper” >> and chose the photo from my Camera Roll.
I hit save and I was DONE!
So now, even with the phone lock feature, this is the first thing that shows when my phone is turned on. So I do not have to worry about someone trying to figure out my password. (That wipes your phone out 100% after several wrong attempts.)
So a person will find your phone… see that message… and will realize it is their lucky day and call you. It is your lucky day too. Ask anyone that ever lost a phone.
Even if the power goes dead. Anyone that finds an iPhone charge it, with the help of a friend if needed, and see the message on Power-up.
So, I was in a cab on Firday at StomperNetLive8 In Atlanta. I left my phone in the back of a cab.
I came home on Tuesday and found a phone sent FED-X and a note saying the money was not needed but he gave the address anyways if I felt I still wanted to send it.
I called him (number was in note) to thank him and I sent him the $500 reward.
I am a happy boy!
Thanks,
Mike Filsaime

Saturday, March 07, 2009

Top 10 tips to keep that new computer spyware-free

This tips are very good for new computer before you start work on new laptop or pc. I found this tips when i'm searching a security matter for my laptop after format it. Let's share with you all.

December 27th, 2005

Top 10 tips to keep that new computer spyware-free

Posted by Suzi Turner @ 10:18 pm
Tags:

Got a new computer for Christmas? Are you worried about all the spyware horror stories you’ve read? You should be. I’ve heard varying numbers, but it’s said that putting an unprotected computer on a high-speed connection results in getting infected within a few minutes. I just read that the time is getting longer, but that’s not much comfort. By all means you should have a router if you’re on a high speed connection. A router provides some protection, but is only the beginning. Ok, now the new machine is booted up the first time and ready to go. It’s on the net. In this order, here’s what to do.
1. Update Windows immediately. In the Windows Security Center in the Control Panel turn on automatic download and installation for updates. Unless the computer came with a third party security suite or firewall, turn on the Windows XP firewall.
2. Update the pre-installed antivirus definitions and other security apps. Set them to auto update.
3. Download and install an alternative browser like Firefox or Opera.
4. Lockdown Internet Explorer. Yes, do it even if you use a different browser.
5. Install at least two anti-spyware apps. My top two recommended free apps are Ad-Aware and Microsoft AntiSpyware. Update definitions for both and turn on active protection in Microsoft AntiSpyware.
6. Install some free protective programs like SpywareBlaster and SpywareGuard from Javacool Software.
7. Install IE-SPYAD, which puts nearly 20,000 known dangerous domains in IE’s restricted site zone.
8. Install a HOSTS file from here or here.
9. Educate yourself on how to not become infected in the first place.
10. Surf safe and practice safe hex.

Friday, September 26, 2008

The Five-Access Point Security Plan

This post is purposely to be my references, i'm taken from http://www.enterprisenetworkingplanet.com/netsecur/article.php/752421 , Please visit the original website if you want more detail.
The Five-Access Point Security Plan
April 25, 2001
By Elizabeth M. Ferrarini

An attack on your computer network can result in denial of service from an overloaded router, corrupted data transmitted across the network, unauthorized access to PCs, or the data centers themselves.

Keeping the network safe requires that you minimize an attacker's entry to each identified access point in the network. The five access points you need to be concerned with are:
  • Physical Protection
  • User Authentication
  • Access Control
  • Encryption
  • Security Management
How thoroughly you seal up any access point depends on weighing the risks, the cost of carrying out the security measure, and the value of the lost data or security intrusion. This article provides the nuts and bolts to consider for each access point.
Physical Protection
On the front line, you can begin by protecting back door access to workstation and to media as follows:

  • Train staff to log off the network during breaks, meal times, and at the end of the work shift.
  • Provide employees with access to a secure bin for depositing unused sensitive media, such as disks, and sensitive paper files, that need to be destroyed. You might want to investigate a refuse service that specializes in destroying sensitive media. Some services will destroy your documents on-site, while other will provide a sealed bin for depositing media.
  • Use smart cards, not disks, to store digital keys.
  • Don't write down passwords and then send them via e-mail, especially if the message is going to get archived onto a server.
  • Refrain from writing personal identification codes on identification cards. Put locking devices on portable equipment, such as laptops, external disk drives and tape backup systems.
User Authentication
Proof of who you are provides the only way to distinguish authorized users from possible intruders. To this end, an authentication system can determine what information the requester can access. For example, each sales representative can access records for his or her customers, not the entire customer database.

An authentication system usually includes what the user has or possesses, such as a smart card or certification; what the users knows, such as a password; or a physical attribute, such as a fingerprint or other biometric attribute. The most common authentication systems include a password, digital certificates, and digital digest or digital signatures.

  • Passwords generated by a software agent pose the most common type of security breach, especially when they aren't carefully chosen or maintained. An intrusion detection system, on the other hand, can protect against unauthorized access to sensitive information by correlating and reporting on suspect activity, and creating complete logs of all information transactions. This type of system can link audit trails from disparate systems, such as firewalls and system event logs.
  • Digital certificates, a technology that began as privacy enhanced mail, has become an essential part of public key infrastructure or PKI, a security system consisting of protocols, services, and standards to support public key cryptography applications. Public key cryptography validates digitally signed messages, which can be a simple e-mail message or protocol to establish a secure communications session. The sender of the authenticated message signs it with a private key. The recipient validates the message using the sender's corresponding key, contained in the sender's digital certificate. The certificate can be sent with the message or obtained form a certificate repository.
  • A digital digest enables you to authenticate the digital signature and to check on the message's validity. Applying a one-way hash function to a message creates a message digest, which can't be re-created from the digest. A digital signature uses the individual's private key to encrypt the message digest. Decrypting the message occurs as follows: the receiving message text recreates the digest, the public key decrypts the digest from the digital signature. If the two messages match, the messages are probably the same.
Access Control
The first step in governing an employee's access to a specific network, workstation, or application should begin with a well-defined corporate security policy. You can use various forms of access control technology to enforce the corporate security policy.

A firewall -- a system that protects an internal trusted system from an external untrusted system -- can prevent external intruders from getting to your network. The firewall determines which inside services outsiders can access, which outsiders have access to the permitted inside services, and which outside services insiders can access. A secure firewall basically does two things: Inspects all traffic that tries to pass to and from the network, and permits only authorized traffic to pass.
Encryption
Encryption -- making data unreadable to anyone who doesn't have the key to decrypt the data -- provides a way to protect data traveling over the network from the prying eyes of eavesdroppers. You can use encryption for data traveling over any type of a network - within the corporate network, between the corporate network and customers' networks, over the Internet to carry data to a virtual private network.


An attack on your computer network can result in denial of service from an overloaded router, corrupted data transmitted across the network, unauthorized access to PCs, or the data centers themselves.

Keeping the network safe requires that you minimize an attacker's entry to each identified access point in the network. The five access points you need to be concerned with are:
  • Physical Protection
  • User Authentication
  • Access Control
  • Encryption
  • Security Management
How thoroughly you seal up any access point depends on weighing the risks, the cost of carrying out the security measure, and the value of the lost data or security intrusion. This article provides the nuts and bolts to consider for each access point.
Physical Protection
On the front line, you can begin by protecting back door access to workstation and to media as follows:

  • Train staff to log off the network during breaks, meal times, and at the end of the work shift.
  • Provide employees with access to a secure bin for depositing unused sensitive media, such as disks, and sensitive paper files, that need to be destroyed. You might want to investigate a refuse service that specializes in destroying sensitive media. Some services will destroy your documents on-site, while other will provide a sealed bin for depositing media.
  • Use smart cards, not disks, to store digital keys.
  • Don't write down passwords and then send them via e-mail, especially if the message is going to get archived onto a server.
  • Refrain from writing personal identification codes on identification cards. Put locking devices on portable equipment, such as laptops, external disk drives and tape backup systems.
User Authentication
Proof of who you are provides the only way to distinguish authorized users from possible intruders. To this end, an authentication system can determine what information the requester can access. For example, each sales representative can access records for his or her customers, not the entire customer database.

An authentication system usually includes what the user has or possesses, such as a smart card or certification; what the users knows, such as a password; or a physical attribute, such as a fingerprint or other biometric attribute. The most common authentication systems include a password, digital certificates, and digital digest or digital signatures.

  • Passwords generated by a software agent pose the most common type of security breach, especially when they aren't carefully chosen or maintained. An intrusion detection system, on the other hand, can protect against unauthorized access to sensitive information by correlating and reporting on suspect activity, and creating complete logs of all information transactions. This type of system can link audit trails from disparate systems, such as firewalls and system event logs.

Monday, September 15, 2008

Ubuntu Proxy : Error opening/creating log file. (check ownership and access rights).

Ubuntu Proxy- Dansguardian + Squid : Error opening/creating log file. (check ownership and access rights).
cd /var/log/dansguardian (if it doesn't exist, then mkdir /var/log/dansguardian then cd /var/log/dansguardian.

touch access.log (this will create the file)
chown root.root access.log (this sets owner and group)
chmod 666 access.log (this sets r/w permissions)

then run command again :
service dansguardian restart
service squid restart

A simpler way to save: the 60% solution

Taken from : MSN Money
A simpler way to save: the 60% solution
Twenty years of complicated budget calculations have led me to this one simple conclusion: By limiting all essential spending to 60% of total income, savings will soar.
By Richard Jenkins
The basics
How many of you have tried budgeting and think it's a waste of time? Come on, let's see those hands.

OK, that's just about everybody.

I've kept a budget of one kind or another, first on paper and then with the help of various software programs, for about 20 years -- despite a strong suspicion that I was wasting my time. The illusion of control, I argued to myself, was better than none at all.

My approach to budgeting was to carefully track my spending during the month and to adjust my budget targets up and down in each category, so that my total expenses never exceeded my income.

Laborious? You bet.

Useful? Sometimes.

Anal-compulsive? Probably.

After two decades of this, though, I started to wonder if there isn't an easier, more effective way to budget. I realized that the hardest part about keeping a budget is getting useful information from it. There's too much detail and not enough bottom line. My answer is "the 60% solution," a faster and easier way to structure your budget without having to account for every penny.

What you're trying to do with a budget is to prevent overspending, which ultimately leads to piling up debt. Contrary to the way most people budget, however, it rarely matters what you're overspending on -- dining out, entertainment, clothes. Who cares? It's still debt, right?

Looking at my own spending history, I realized that it wasn't the little luxuries here and there that got me in trouble. It was the large, irregular expenses, like vacations, major repairs and the holidays that did all the damage. To avoid overspending, I had to do a better job of planning for those.

And then there were the really big expenses: buying a car, putting a down payment on a new home or putting a new roof on an old home -- all of which can run into the tens of thousands of dollars. They also can often be postponed, sometimes for years, which theoretically should give me a chance to save for them.

Understand your committed expenses
As I looked back over the past 20 years of budgeting, I saw that there were a few years when my wife and I believed we were fairly on top of things, even with a much lower income than we have today. How did we manage?

The key was a drop in our fixed monthly expenses. It was a period when declining interest rates had lowered our adjustable-rate mortgage payment to about 15% of our household income. That left us with some extra money each month to set aside in a savings account for those irregular expenses.

We later moved to a bigger house with a much bigger mortgage payment, higher maintenance costs and utility bills, and obscene property taxes. The monthly mortgage payment was only 20% of our gross income, far lower than the 33% that most lenders will allow, but, suddenly, we were struggling again.

Even after refinancing our mortgage at a lower rate, we were still often running out of cash before the end of the month. I realized that other fixed expenses had crept upward over the years. As my children, Natalie, now 17, and Jackson, 14, have gotten older, they need things like music lessons and sports equipment that can add several hundred dollars a month to our basic expenses. They're also outgrowing clothes faster than we can buy them.

The slow but steady growth in our monthly spending commitments was putting a squeeze on our budget. I call these "committed" expenses rather than "fixed" or "non-discretionary" expenses, because things like music lessons are neither fixed in amount nor absolute necessities, but rather are commitments my wife and I have made to provide for our children.

The 60% solution emerges
After analyzing our spending patterns over the past couple of years using our Microsoft Money data file, I determined that we needed to keep our committed expenses at or below 60% of our gross income to come out ahead at the end of the month.

Committed expenses:

  • Basic food and clothing needs.
  • Essential household expenses.
  • Insurance premiums.
  • Charitable contributions.
  • All of our bills -- even such non-essentials as our satellite TV service.
  • ALL of our taxes.


  • I'm not saying that 60% is a magic number. It's a workable goal for my family, and it's a nice round number. But your number might well be a bit higher or lower. At any rate, it's a good place to start.

    Then I divided up the remaining 40% into four chunks of 10% each, listed here in order of priority:

    Retirement savings: consisting entirely of my 401(k) contribution, which is subtracted automatically from my paycheck.

    Long-term savings: also automatically deducted from my pay to buy Microsoft stock at a discount as part of an unusual stock-purchase program. The relative lack of liquidity (i.e. the difficulty of turning these shares into cash) makes it harder to spend this money without some planning and a series of deliberate steps. In a real emergency, though, I could sell and have the cash wired into my bank account within three days, so this is also our emergency fund.

    Short-term savings for irregular expenses: which are direct-deposited from my paycheck into a credit union savings account. Money in this account can be easily transferred into our checking account, as needed, via the Web. Over the course of a year, I expect to use all of this money to pay for vacations, repairs, new appliances, holiday gifts and other irregular but more or less predictable expenses.

    Fun money: which we can spend on anything we like during the month, so long as the total doesn't exceed 10% of my income.

    You may have noticed that only 70% of my paycheck is used for everyday expenses. Since we never see the other 30%, my wife and I generally don't miss it.

    We don't really need to track our expenses, because our checking account balance is generally equal to the amount of money we can spend. That's the way a lot of people do it, but they don't first make provision for savings.

    The key is keeping a lid on those committed expenses. You can categorize them if you want, but it isn't really necessary. In fact, you could make a budget with just three categories: committed expenses, fun money and irregular expenses, and that's just what I've done with the budget in Money 2005 (see chart below). (I can't really give up my anal-compulsive ways completely, so I've also created a set of subcategories to track the committed expenses, partly because that also allows me to export parts of my spending data to a tax program at the end of the year.)

    Now, at this point you may be saying, "Well, la-dee-dah for you, but there's no way I can get my committed expenses down to 60% of my income."

    How to get your spending down
    For a lot of people, part of the difficulty in reducing committed expenses comes from the need to make big monthly credit card payments. If you're carrying a substantial amount of non-mortgage debt, I'd suggest using the 20% that would otherwise go to retirement and long-term saving to aggressively pay down your debt -- but only after you cut up those cards.

    Every dollar in interest that you don't pay is just like getting a guaranteed, risk- and tax-free return on your money equal to the interest rate on the debt. When your debts are paid off -- and it won't take long using 20% of your gross income -- immediately redirect that money into savings.

    Now, let's take the really hard case: Even excluding debt payments, reducing your committed expenses to 60% still seems like an impossible goal. If that describes your situation, the odds are good that you're facing one of the following problems:

  • You have a more expensive home than you can afford.
  • You've committed to car or boat payments that are larger than you can afford.
  • Your children are in a private school that you can't really afford.
  • There's just a big, ugly gap between your income and your lifestyle.

    If it's one of the first three, you can undo the damage by slowly unwinding the commitments you've made and choosing something less appealing but ultimately more appropriate.

    If the problem is having champagne tastes on a beer budget, you'll need to take a long, hard look at where the money is going and why. Consider if perhaps you're using money and things to fill a void in your life. Often, the steps needed to fill that void have little to do with money.

    The real secret to building a budget that really works isn't tracking what you spend, any more than counting calories is the secret to losing weight. The key is creating a sustainable structure for your finances, one that balances spending and income and that leaves enough room to handle the unexpected.
  • A simpler way to save: the 60% solution

    Taken from : MSN Money
    A simpler way to save: the 60% solution
    Twenty years of complicated budget calculations have led me to this one simple conclusion: By limiting all essential spending to 60% of total income, savings will soar.
    By Richard Jenkins
    The basics
    How many of you have tried budgeting and think it's a waste of time? Come on, let's see those hands.

    OK, that's just about everybody.

    I've kept a budget of one kind or another, first on paper and then with the help of various software programs, for about 20 years -- despite a strong suspicion that I was wasting my time. The illusion of control, I argued to myself, was better than none at all.

    My approach to budgeting was to carefully track my spending during the month and to adjust my budget targets up and down in each category, so that my total expenses never exceeded my income.

    Laborious? You bet.

    Useful? Sometimes.

    Anal-compulsive? Probably.

    After two decades of this, though, I started to wonder if there isn't an easier, more effective way to budget. I realized that the hardest part about keeping a budget is getting useful information from it. There's too much detail and not enough bottom line. My answer is "the 60% solution," a faster and easier way to structure your budget without having to account for every penny.

    What you're trying to do with a budget is to prevent overspending, which ultimately leads to piling up debt. Contrary to the way most people budget, however, it rarely matters what you're overspending on -- dining out, entertainment, clothes. Who cares? It's still debt, right?

    Looking at my own spending history, I realized that it wasn't the little luxuries here and there that got me in trouble. It was the large, irregular expenses, like vacations, major repairs and the holidays that did all the damage. To avoid overspending, I had to do a better job of planning for those.

    And then there were the really big expenses: buying a car, putting a down payment on a new home or putting a new roof on an old home -- all of which can run into the tens of thousands of dollars. They also can often be postponed, sometimes for years, which theoretically should give me a chance to save for them.

    Understand your committed expenses
    As I looked back over the past 20 years of budgeting, I saw that there were a few years when my wife and I believed we were fairly on top of things, even with a much lower income than we have today. How did we manage?

    The key was a drop in our fixed monthly expenses. It was a period when declining interest rates had lowered our adjustable-rate mortgage payment to about 15% of our household income. That left us with some extra money each month to set aside in a savings account for those irregular expenses.

    We later moved to a bigger house with a much bigger mortgage payment, higher maintenance costs and utility bills, and obscene property taxes. The monthly mortgage payment was only 20% of our gross income, far lower than the 33% that most lenders will allow, but, suddenly, we were struggling again.

    Even after refinancing our mortgage at a lower rate, we were still often running out of cash before the end of the month. I realized that other fixed expenses had crept upward over the years. As my children, Natalie, now 17, and Jackson, 14, have gotten older, they need things like music lessons and sports equipment that can add several hundred dollars a month to our basic expenses. They're also outgrowing clothes faster than we can buy them.

    The slow but steady growth in our monthly spending commitments was putting a squeeze on our budget. I call these "committed" expenses rather than "fixed" or "non-discretionary" expenses, because things like music lessons are neither fixed in amount nor absolute necessities, but rather are commitments my wife and I have made to provide for our children.

    The 60% solution emerges
    After analyzing our spending patterns over the past couple of years using our Microsoft Money data file, I determined that we needed to keep our committed expenses at or below 60% of our gross income to come out ahead at the end of the month.

    Committed expenses:

  • Basic food and clothing needs.
  • Essential household expenses.
  • Insurance premiums.
  • Charitable contributions.
  • All of our bills -- even such non-essentials as our satellite TV service.
  • ALL of our taxes.


  • I'm not saying that 60% is a magic number. It's a workable goal for my family, and it's a nice round number. But your number might well be a bit higher or lower. At any rate, it's a good place to start.

    Then I divided up the remaining 40% into four chunks of 10% each, listed here in order of priority:

    Retirement savings: consisting entirely of my 401(k) contribution, which is subtracted automatically from my paycheck.

    Long-term savings: also automatically deducted from my pay to buy Microsoft stock at a discount as part of an unusual stock-purchase program. The relative lack of liquidity (i.e. the difficulty of turning these shares into cash) makes it harder to spend this money without some planning and a series of deliberate steps. In a real emergency, though, I could sell and have the cash wired into my bank account within three days, so this is also our emergency fund.

    Short-term savings for irregular expenses: which are direct-deposited from my paycheck into a credit union savings account. Money in this account can be easily transferred into our checking account, as needed, via the Web. Over the course of a year, I expect to use all of this money to pay for vacations, repairs, new appliances, holiday gifts and other irregular but more or less predictable expenses.

    Fun money: which we can spend on anything we like during the month, so long as the total doesn't exceed 10% of my income.

    You may have noticed that only 70% of my paycheck is used for everyday expenses. Since we never see the other 30%, my wife and I generally don't miss it.

    We don't really need to track our expenses, because our checking account balance is generally equal to the amount of money we can spend. That's the way a lot of people do it, but they don't first make provision for savings.

    The key is keeping a lid on those committed expenses. You can categorize them if you want, but it isn't really necessary. In fact, you could make a budget with just three categories: committed expenses, fun money and irregular expenses, and that's just what I've done with the budget in Money 2005 (see chart below). (I can't really give up my anal-compulsive ways completely, so I've also created a set of subcategories to track the committed expenses, partly because that also allows me to export parts of my spending data to a tax program at the end of the year.)

    Now, at this point you may be saying, "Well, la-dee-dah for you, but there's no way I can get my committed expenses down to 60% of my income."

    How to get your spending down
    For a lot of people, part of the difficulty in reducing committed expenses comes from the need to make big monthly credit card payments. If you're carrying a substantial amount of non-mortgage debt, I'd suggest using the 20% that would otherwise go to retirement and long-term saving to aggressively pay down your debt -- but only after you cut up those cards.

    Every dollar in interest that you don't pay is just like getting a guaranteed, risk- and tax-free return on your money equal to the interest rate on the debt. When your debts are paid off -- and it won't take long using 20% of your gross income -- immediately redirect that money into savings.

    Now, let's take the really hard case: Even excluding debt payments, reducing your committed expenses to 60% still seems like an impossible goal. If that describes your situation, the odds are good that you're facing one of the following problems:

  • You have a more expensive home than you can afford.

  • You've committed to car or boat payments that are larger than you can afford.

  • Your children are in a private school that you can't really afford.

  • There's just a big, ugly gap between your income and your lifestyle.

    If it's one of the first three, you can undo the damage by slowly unwinding the commitments you've made and choosing something less appealing but ultimately more appropriate.

    If the problem is having champagne tastes on a beer budget, you'll need to take a long, hard look at where the money is going and why. Consider if perhaps you're using money and things to fill a void in your life. Often, the steps needed to fill that void have little to do with money.

    The real secret to building a budget that really works isn't tracking what you spend, any more than counting calories is the secret to losing weight. The key is creating a sustainable structure for your finances, one that balances spending and income and that leaves enough room to handle the unexpected.
  • 5 Faedah RTOS Linux Kernel - Apa Itu Sistem Operasi Masa Nyata (RTOS) di Malaysia

    Di VIENNA dimana selepas 20 Tahun, Real-Time Linux Akhirnya Masuk ke Dalam Kernel Utama Linux. Itulah pada yang memahami bagaimana berkemban...