Office of the Comptroller of the Currency

Charters, regulates, and supervises national banks; also supervises the federal branches and agencies of foreign banks.
www.occ.treas.gov/

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Do Good CAPTCHAs Really Have To Be Unfriendly? An Expert Explains


by John Prodonovich

For those of you who are not familiar with the term, a CAPTCHA is a feature on many user populated websites, such as Myspace with the purpose of blocking automated programs from spamming its users and for overall security. Here is how it works:

A user is required to enter a random letter and number password into a form before being able to submit information, log in, etc. This password is essentially given directly to the user in an image, rather than in text form, so that an automated program cannot detect the characters. The password the form field expects is the same as that shown on the image, but this sometimes causes problems.

Jeff Atwood at the Coding Horrors blog discusses whether CAPTCHAs are dead. This follows a news report that scalpers probably beat the CAPTCHAs at Ticketmaster.

Jeff links to a Chinese site that sells CAPTCHA decoders. The site quotes different prices for breaking different CAPTCHAs. An eBay decoder, for example, is being sold for $4000 and claims 70% accuracy.

What caught my attention were the unbreakable CAPTCHAs in the list. The Yahoo CAPTCHA is listed as unbreakable. That isn't surprising. Most of us can barely get it right ourselves.

Consider a Yahoo CAPTCHA. Sometimes you cannot tell the difference between a G or a 6? And the way that letters are often skewed, the difference bewteen certain uppercase and lowercase letters is virtually unrecognizable?

Contrast that with a Google CAPTCHA also listed as unbreakable. The Google image is clean and legible. Most of us have no difficulty getting it right. Google demonstrates that effective CAPTCHAs don't have to be unfriendly to users.

I am curious to learn which CAPTCHA libraries generate strong, yet user friendly challenges.

For information on Penetration Testing, please visit Plynt.com.

R6

Branding Ideas For Small Businesses


By Janice Jenkins

Creating your own brand is the first step to having a successful marketing campaign for your business. Brand is everything when it comes to advertising. When you have a brand, you are most likely to be recognized and remembered by your clients, as well as your potential customers.

So how do you create an effective brand for your business? Here are surefire ideas to help you create that unique brand that will distinguish you from the rest of your competition.

First things first - your business cards are your representation to your clients, colleagues and prospects. It is your tool to introduce your contact information, in addition to your name and your company's as well. It is a no brainer therefore that your custom cards should have your address as well as your telephone number. It doesn't matter if you are a work-from-home designer, or your shop is adjacent to your garage - you need to have your address in your business card printing pieces.

A location and contact information that your clients can go to or call greatly enhances your credibility as well as your reliability. An address helps you create an established image that your customers can rely on. For privacy issues however, you can always use a P.O. Box address so you won't need to give away your house location.

Second, never leave your house without your full color business cards. This is practically a no-no when it comes to marketing your business. Every moment, each place, and every person you meet is an opportunity presenting itself. Carrying a batch of your cards with you wherever you go allows you more chances of letting other people know about your business. The same goes with your other print ads such as brochures, flyers, postcards, posters and catalogs.

Always remember to reduce your marketing costs. That's the third suggestion. Especially that you're a small business operating on a limited budget, you will always have a problem trying to make ends meet as advertising per se is costly and expensive. Coming up with creative ways to lessen your business card printing costs for example, can save you a lot of money which you can apportion to other operating expenses.

What about your letterhead? Would you like to save on them too? The fourth tip is to design your letterhead to be used as your paper for invoices, flyers, proposals, press releases, some documents in your media kit, and anything else you need to have your logo and company name. Not only do you provide professional image with your brand posted in all your marketing documents, you also help your clients and prospects remember you that easily.

Finally, think of more creative ideas to help you get your message out there. And don't forget your name and contact information. The more times your target audience sees your ad, the better are your chances of getting your brand recognized and retained in the minds of your customers.

Janice Jenkins is a writer for a marketing company in Chicago, IL. Mostly into marketing research, Janice started writing articles early 2007 to impart her knowledge to individuals new to the marketing industry.

For comments and inquiries about the article visit: Business Card Printing

A9

How to Get Number 1 Rankings on Google, Yahoo and MSN Using Video Hosting Sites

By John Prodonovich

The other day, I did a test to see how fast my videos would be found in the search engines and to see how well they would rank for the keywords I was optimizing my videos for.

The results were outstanding and should bring hope to anyone who feels that getting a #1 or top 10 listing on the major search engines is out of reach. Everyone can get top listings, with videos

The process was very simple. I filmed a video, submitted and tagged my video, and 13 hours later, I was in the #1 spot. Then, 24 hours later that same video on different video networks occupied spots 1, 2 and 3 on Google.

So, how easy is it to do? Very easy, just follow these steps and you'll be getting #1 listings on Google, MSN and Yahoo in no time flat.

First - Create your video. Use a video camera or digital video camera and get the digital file on to you computer so you can manipulate it in a video editing program. If you don't have a video camera, no problem, all you need is a microphone and an audio recording program like Audacity, and you can create an mp3 audio file with 30 seconds to 5 minutes of audio, and convert that audio to video. Don't worry, that's easy too, I'll tell you how in the next steps.

Second - Edit the video file to have the look, feel, URL's and production values you like. If you made an audio file, put that audio file into the video editing software. Most PC's come with Windows Movie Maker, which is free, and you can drop the Mp3 audio in there and place, random Digital pictures throughout the length of the audio file to create the "video" images that go along with your audio.

Third - Upload the finished video file, which should be in wmv format to a video submission host, called Tubemogul. At Tubemogul, you can upload unlimited videos, and then have those videos uploaded automatically to some of the more popular video hosting sites on the internet like Youtube, Google Video, Yahoo Video, Metacafe, Revver, and some other popular one.

Let me say that Tubemogul is also MORE than just a video posting service, they are MUCH more. They can track all the video views you get DAILY on EACH video hosting site. They'll provide charts and other track meta data, that is very important to marketers to daily track stats across all the video sites. And remember, it's all free to do this.

Fourth & Final Step - Push your videos out to the video hosting sites and let Tubemogul do the work for you. But a key element is, you want people to find your videos. The search engines find videos, not based on the content said inside them, but by the tags and descriptions about them. Tagging is the single most important element of getting traffic to other websites, based on what your video is tagged for.

Jeff Mills is giving away free home based business DVDs showing how people can make a six figure income, working from home and is giving away $757 in bonus marketing tools to anyone who claims one of the last remaining DVDs before they sell out. Claim your DVD at http://www.homebasedbusinessdvd.com

R9>
Google
 

NY Times Business

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A top Indian outsourcing company massively inflated its earnings for years, the chairman said.


Broad Stock Sell-Off Amid New Economic Worries
Warnings from Time Warner and Intel foreshadowed a bleak season for fourth-quarter corporate earnings.


Lab Acknowledges Problem With Vitamin D Test
The nation’s largest medical laboratory company, Quest Diagnostics, provided possibly erroneous results to thousands of people who had their vitamin D levels tested in the last two years.


Court Filing Details Items Madoff Sent
Bernard L. Madoff violated his bail agreement by sending jewelry to his friends and family, prosecutors argued.


$1.2 Trillion Deficit Forecast as Obama Weighs Options
Barack Obama said that changes in Social Security and Medicare will be central to efforts to bring federal spending in line.


Yahoo Search Engine News

Jobs gloom and weak techs push Wall Street lower (Reuters)

Traders work on the floor of the New York Stock Exchange, January 6, 2009. U.S. stocks rose on Tuesday as strength in the tech sector, led by a second day of gains for Apple Inc , blunted concerns about weak data on factory orders and pending home sales. (Brendan McDermid/Reuters)Reuters - Stocks tumbled on Wednesday in their worst decline in about a month after a revenue warning from top chip maker Intel Corp sparked a sell-off in technology shares and tumbling oil prices hurt the energy sector.



Intel warns again on fourth-quarter revenue (Reuters)

Workers prepare an Intel booth for the Consumer Electronics Show (CES) in Las Vegas, Nevada in this January 6, 2008 file photo. The microchip maker said on Wednesday its preliminary fourth quarter revenue was worse than expected due to weaker global demand for personal computers, dragging its shares down 4 percent. (Steve Marcus/Reuters)Reuters - Microchip maker Intel Corp issued its second revenue warning on the fourth quarter since November, as demand for personal computers weakens worldwide, and its shares fell 3.25 percent.



U.S. says Madoff sent diamonds in violation of bail (Reuters)

Bernard Madoff is escorted in a vehicle from Federal Court in New York, January 5, 2009. (Lucas Jackson/Reuters)Reuters - One of the packages accused swindler Bernard Madoff sent in violation of a court order contained about 13 watches, a diamond necklace and other valuables worth more than $1 million, prosecutors said in court papers released on Wednesday.



Accounting scandal at Satyam could be India's Enron (Reuters)

Satyam Computer Services chairman Ramalinga Raju poses in his office in Hyderabad in an undated photo. (Handout/Reuters)Reuters - The head of Indian outsourcing company Satyam Computer Services resigned on Wednesday, disclosing that profits had been falsely inflated for years and sending its shares plunging nearly 80 percent.



Budget deficit to hit $1.2 trillion in FY2009 (Reuters)

President Bush greets President-elect Barack Obama at the White House, November 10, 2008. (Joshua Roberts/Reuters)Reuters - The U.S. budget deficit will swell to a record $1.186 trillion in fiscal 2009, congressional forecasters said on Wednesday, presenting President-elect Barack Obama with a daunting economic challenge.



Google News

Burris is the perfect Senate candidate - Chicago Tribune

Burris is the perfect Senate candidate
Chicago Tribune, United States - 13 hours ago
He was the first African-American national bank examiner for the Office of the Comptroller of the Currency for the US Treasury Department. ...

Fed, other agencies to join US fraud task force - Reuters

Fed, other agencies to join US fraud task force
Reuters - Jan 6, 2009
In addition to the Fed, other new agencies on the task force include the Federal Housing Finance Agency, the Office of the Comptroller of the Currency, ...
President's Corporate Fraud Task Force Adds Six New Member Agencies PR Newswire (press release)
Fed and other agencies to join US fraud task force Reuters
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Report says foreclosures, defaults up in 2008 - San Francisco Chronicle

Report says foreclosures, defaults up in 2008
San Francisco Chronicle,  USA - 12 hours ago
... within three months, according to a report released last month by the Office of the Comptroller of the Currency and the Office of Thrift Supervision. ...

FACTBOX: Major US financial oversight agencies face reforms - Reuters

FACTBOX: Major US financial oversight agencies face reforms
Reuters - Jan 4, 2009
Office of the Comptroller of the Currency. Treasury unit that charters, regulates and supervises national banks. About 3000 employees. Formed in 1863. ...

BlackRock, Highfields-backed firm to share gains and losses with FDIC - MarketWatch

BlackRock, Highfields-backed firm to share gains and losses with FDIC
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NY Times Business

Satyam Chief Admits Huge Fraud
A top Indian outsourcing company massively inflated its earnings for years, the chairman said.


Broad Stock Sell-Off Amid New Economic Worries
Warnings from Time Warner and Intel foreshadowed a bleak season for fourth-quarter corporate earnings.


Lab Acknowledges Problem With Vitamin D Test
The nation’s largest medical laboratory company, Quest Diagnostics, provided possibly erroneous results to thousands of people who had their vitamin D levels tested in the last two years.


Court Filing Details Items Madoff Sent
Bernard L. Madoff violated his bail agreement by sending jewelry to his friends and family, prosecutors argued.


$1.2 Trillion Deficit Forecast as Obama Weighs Options
Barack Obama said that changes in Social Security and Medicare will be central to efforts to bring federal spending in line.


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