Car Loans Part.1

The car loan is also known as vehicle loan. It is defined as a loan of money on certain condition, granted by a credit institution or a bank to buy a new car or used by the borrower. The credit is a financing solution designed for consumer goods.    Now days, the acquisition of a car is almost essential for the majority of the population, because of economic, geographic, but also for comfort and freedom offered by a car.

First, moving from home to workplace tends to lengthen. The car is often the only or the best mode of transportation available to active living far from the workplace, whether frontier workers, employees in industrial areas or employees downtown. In addition, many professions require almost constant use of the automobile sales reps, employees of various services etc...


Secondly, the possession of one or more automobiles in a household is even more crucial that the today’s population is increasingly being installed in the periphery or in the extension areas. However, in the absence of public transport in areas that are under-served, rural populations and urban cannot cope without a car for most of their trips: grocery shopping, driving children to school, leisure, weekends, transport equipment, etc... For the Upper class, the car is the mode of family transportation by excellence.

Finally, owning a car is also about fun, comfort, independence and speed. Freedom of movement in time and route that the car gives is unparalleled. In continuation let us see how to choose a Car loan in the next post.

Buy God The Ultimate Asset

The best and easiest way to invest in gold is undoubtedly the purchase of physical gold that is essentially the purchase of coins or gold bars. But many people may feel slightly bewildered at the idea of acquiring; accumulating and keep the metal in an optical savings habit from time immemorial have been lost over the generations. The following lines are intended to demystify the so-called complexity of an approach to investment in physical gold. First, although less active than some years ago, the gold market is still alive in our country and some investment products still liquid.



I have found an online site goldcoinsgain.com which has an ancient custom of responsible and reliable business live out confirmed high evaluation standards. They are having over fifty years of mutual practice in the precious metals industry. They are assisting us to buy and sell gold coins and gold bullion on conception an enduring tax deferred retirement plan, usually known as Gold IRA. Investing in gold IRA will not be affected by the negative economic growth, hence it is the ultimate asset in the planet. With your gold 401k you can buy gold coins and bars which is a true and safest form of investment. By setting up your 401k gold account here you can keep the crisis management commodity under your control within a click of your mouse. Here, we can able to handle your IRA transfer account in both the ways. We will get a perfect picture of assurance that they for all time giving us the correct investment for us. We can expect our orders get delivered to us at the earliest of purchase. It takes pride in bring into line with outstanding customer service, safety, ranking and data. I have suggested this online site to one of my friends who needed to buy gold. They are having a best team of customer service intended to serve us. We may just dial 1-800-940-7793 for further information.

Online Payments Security Part. III

Banks are not the only one to offer new payment solutions. Weneo, an adapted version of the online payment inherited "Moneo" offers a USB key that stores electronic money units, to make secure purchases of small amounts (below 30 €) on the internet without disclosing their bank details.

The market for trusted third party also whets the appetite. The historical actor PayPal (credit institution licensed in Luxembourg, for its European operations) is now challenged by Google Checkout (ELMI registered in the United Kingdom). In France there are also some establishments such as payment or Limonetik Cards-Off, which is also responsible for completing the transaction by credit card instead of the merchant site. The buyer did not then enter their bank details to the merchant site.

Also there are companies like Secuvad offering integrated solutions to secure payments (fraud detection real-time scoring and historical bases), but these solutions if they protect traders, does not protect the buyer himself.

The surprise could come from so many;  Buyst, authorized payment institution recently created by Orange,  SFR, Bouygues Telecom and Atos Origin, surfing the development of Smartphone and offering both secure payments m-commerce and e-commerce via the mobile phone.

It is unclear whether these new entrants will have hard time to major banks in the field of online payments. Still, they are laboratories of innovation than traditional banks must watch closely.

Online Payments Security Part. II

The strong authentication devices: 3D Secure e-Card ...

Thus, in order to identify the owners of cards, but also and especially to strengthen the security of online payments, some banks have introduced single-use maps (such as e-Carte Bleue) from 2002. Electronic clone a credit card, they provide a single use code generated by the user on the site of his bank card from her real. Once payment is made with this code, it is no longer usable for any other purchases. But this type of solution prolongs the act of buying and makes it less suitable for repeated payments of small amounts (news article, listening to the unit ...). It also represents a considerable cost both to the bank and for the user, and has been poorly received by the public.

Therefore, some banks have decided to implement the system in 2008 "3D Secure". Any buyer must take on a secure page on the bank a secret code known only to him, as well as authenticating the cardholder. The debate remains about the nature of this code. Used to launch 3DS, date of birth as the user PIN is gradually put aside in favor of an SMS sent by the bank, the most popular solution among Internet users, or a code transmitted by a "token “.  It remains to weigh the cost of these solutions, which can range from 0.5 to over 10 € per cardholder per year.

Unfortunately, this system proved to be confusing in practice much more than expected to the Internet. Very little communication was made to holders of cards, whether through banks or online shopping sites, most buyers were confused and even frightened at the appearance of a separate page asking them for such as their date of birth, and that at the most critical of the act of purchase: payment. Many of them have therefore preferred to abandon their purchases for fear of attempted fraud or phishing ... Consequently; a large number of sites selling online immediately contacted their banks to exit the 3D Secure system, after finding a reduction in sales volume up to 20%.

The challenge is therefore to secure adequate payments to deter fraudsters, without complicating the process of payment and impacting end of the chain volume of sales.

Online Payments Security Part. I

The credit card is by far the payment method preferred by two third of the people in the world by using the Internet regularly to access their purchases directly on the Internet. But it is also the use of the card that is increasingly threatened by fraud. Indeed, the total amount of fraudulent transactions on the Internet is growing much larger than the amount of fraud carried out by other channels (using a stolen use card number to purchase by mail order over the phone etc.).

This observation, which is not new, had led banks and systems vendors to offer more secure during the 2000s. The generalization of SSL (Secure Socket Layer) has limited the flight card numbers during data transfers between bank buyer, seller, and their respective banks. Adding a cipher text security "arbitrary" helped to stem the proliferation of generating fraudulent card numbers with valid 16 digits (which follow a very specific algorithm). Sellers have also limited the storage of this information in their databases, to prevent intrusion attempts in their massive e-commerce platforms. Finally, the payment terminal are masking a part of the card number on the invoice slips and allows the payer to introduce its own map without intervention by the cashier, which limits data retrieval via the retail channel. But other fraud techniques have over taken it.

The major risk lies in failure to identify the buyer as the rightful holder of the card that is a strong authentication. It leaves the door open to other techniques for recovering the coordinates, such as "phishing" (to believe that a cardholder is for an interlocutor trusted by mail or through a fake website) particularly popular in recent years.

Certainly, if the buyer is not the rightful holder, then the genuine holder may challenge the transaction as the law allows it and then be reimbursed free of transaction amount. But this leads to increasing costs for banks and continues to fuel some psychological barriers among potential users of e-commerce.