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Computer Virus: How to Remove It

Published: Mar 29, 2012 by admin Filed under: Gossip & Rumors

Ughhhh! If your PC has ever been infected - or worse, if it's infected right now - you're probably groaning. Yes it's a pain, but the good news is: you can remove viruses yourself, for free.

STEP 1:  Back Up Documents, Photos and Videos.
Save your important data to an external drive. Be sure to scan this drive and its contents after you remove the virus; you don't want to re-infect your computer after the clean-up.

[Related: Five ways to help your PC help you]

STEP 2: Reboot in Safe Mode
You have to prevent the virus from running when you try to remove it. To do this, reboot in safe mode.  Safe mode runs only the Windows operating system and a few key programs. It's a way to limit any malware from launching. Restart your computer and hit the F8 key on the keyboard repeatedly until you get to a black screen with the option of restarting in Safe Mode.  Choose "Safe Mode with Networking" so that you can still get on the Internet.

STEP 3: Download Virus Scanner/Removal Tools
I recommend downloading two to three different programs to find and remove the malware. One may do the job, but three will almost certainly do the job. These three have worked for me and come highly recommended by PC Magazine and CNET:
PC Tools

STEP 4: Run Virus Scanners
Download, double-click to install, accept all the defaults they recommend, and then run each. This will take a while. When the programs locate a virus or any suspicious items, allow the programs to delete the files.

STEP 5: Reboot Normally
Reboot your computer normally; no need for safe mode. You should be back to normal now.

If you have files backed up on an external drive, plug it in and use the security programs you downloaded to scan that drive before you open or transfer any files.  If the virus is gone, go to step 6.

Many people will recommend you reinstall Windows or try system restore or download a registry cleaner. I say that at this point, most people should take the computer to a local PC repair shop. Where I live, it costs about $120 to get the virus removed and a clean version of Windows installed. It is a personal decision how you proceed from here, but take into account the value of your time.

STEP 6: Add Security
How did you get that virus in the first place? Even if you don't know, it's clear you need more protection.  PC Tools is a real-time virus scanner that you can use as your ongoing protection, or install something like Avast or AVG.  All three are very good, free, anti-virus programs. Also Microsoft's Security Essentials comes well recommended.

You should also go to the Control Panel of your computer, and in the security section click Windows Update. Make sure that it's set up to regularly update.  And if you think someone else accidentally installed malware on your computer, it's a good idea to give other members of the family their own sign-on accounts that don't have admin privileges. This way, if the kids try to download software that could harbor viruses, they won't be allowed to.

And yes, this means you should keep your admin password private.  (Also, if they've installed any file-sharing programs, now would be a good time to remove them. P-2-P music and movie sites do expose you to a lot of junk.

STEP 7- Damage Control
Viruses are a gateway to identity theft and spam. So after you disinfect your computer it's a good idea to check your credit ( is the credit report site that the Fair and Accurate Credit Transactions Act forced the credit unions to create for consumers to access yearly free reports). You should also change all your passwords, especially your email password and any passwords for your financial institutions. Here's my method for creating

Disability Claim Denials, Is This the Wrong Time to Be Disabled in America?

Published: Mar 26, 2012 by admin Filed under: News

14 million Social Security disability applications were denied in a single decade, between 2000 and 2010, while the percentage of denials escalated from 34 percent to 65 percent. Is this the wrong time to be disabled in America?

Note the following headlines:

Federal Disability Traffic Jam The Washington Times

Soldiers risk ruin while awaiting benefit checks Associated Press

Disability Claims can be tough to collect Wall Street Journal

It's time to stop billions of dollars of disability benefits from being denied, unnecessarily.

Does the Disability Safety Net have holes in it? If more than 60 percent of Social Security disability claims are denied initially, then why are 63 percent approved at the hearing stage? What causes the turn around? Unfortunately 39 percent of claimants give up before determining if they would be successful going through the appeal process!!

1.2 million Social Security Disability applications were filed in 1999 (48 percent of 579,000 were declined). In 2009, ten years later, 2.8 million Social Security Disability applications were filed (and 65 percent or 1,830,530 were declined). The number of disability applications more than doubled while denials more than tripled. In one year, more than $23 TRILLION dollars of annualized benefits were lost. That's 1.8 million Americans who won't collect benefits they thought they were entitled to.

Based on the 2010 average payment to those who qualify, that represents more than $19.5 million of monthly benefits that won't be paid. Annualized, $23+ trillion dollars per year is an overwhelming amount of disappointment.

Many initial disability claims are denied for simple mistakes and omissions which have absolutely nothing to do with the claimant's disability status. Think about what it is like to wait 17 months to hear you didn't answer one question. Then you can wait another 17 months after you've added one simple answer. There must be a better way. Those facing claim denials are filing an unprecedented number of appeals burdening the already damaged system even more. With an average of nearly 17 months waiting for a judge to hear their appeal, what's happening in the meantime?

Currently there's three-quarters of a million Americans stuck in the Social Security disability backlog. Not being able to pay their bills causes the man of the house enormous mental anguish. The state of marital relationships in these situations deteriorates rapidly. Soon our divorce courts will be experiencing the same type of backlog the Social Security Administration is now facing.

Is this the wrong time to be disabled in America? Tens of millions of dollars in disability benefits go unpaid by private insurers. Over 40 states jointly investigated how one insurer handles their disability claims. Another state set up a system to scrutinize the handling of every rejected claim. What led to the dramatic change in the handling of disability claims? Or has anything changed at all and there's just more adverse publicity?

As reported in USA Today... 22,500 Veteran's PTDS disability claims denied as personality disorders. How is it possible that a personality disorder, assuming it existed prior to military service, is diagnosed when psychological evaluations aren't done prior to induction?

According to the data obtained through the Freedom of Information Act, more than 25 percent of Iraq and Afghanistan vets seeking care at the VA have PTSD. And this statistic doesn't include the mentally ill vets who haven't had treatment at the VA due to the stigma associated with PTSD. In the meantime, families go on welfare and food stamps. Homes are being foreclosed. Drugs and alcohol disrupts any hope for family harmony. Homelessness occurs! Suicides begin to take lives that the battlefield didn't.

One very simple yet insurmountable obstacle is the application process itself. The VA has a long history of bureaucracy. The disability claim form itself is a 23 page document. How many vets are accustomed to 23 pages of paperwork? The word "intimidation" comes to mind as a reason many veterans will never file a claim. A claim for benefits they were eligible for.

Each year TRILLONS of dollars in Insurer, Social Security and Veterans Administration disability claims WILL continue to be denied. It's imperative the claimants understand how to correctly file a Long Term Disability claim, "doing it right" the first time and dramatically improving the likelihood of collecting benefits.

The U.S. Census Bureau recently projected a 75 percent increase in the age 65+ population by 2030. That will increase the number of age 65+ Americans to 69 million, more than 20 percent of the entire population. An aging population brings with it an automatic growth in the disability "TSUNAMI". Since the Americans with Disability Act forces disability insurers to continue disability coverage to those over age 65, an older workforce guarantees more claims.

We haven't seen any valid creditable source that has identified any reason for the escalating rate of claim denials or what we'll call disability claim "deterioration". Hence, I can offer what I believe is happening in the backrooms of the insurers claims departments.

Americans currently face the highest unemployment level we've experienced over the last three decades. The current state of the economy has impacted our American workforce in disastrous proportions. There's a natural escalation of disability claims incidence with increasing unemployment.

Mortgages are being foreclosed at an unprecedented rate. Several states have begun to deny previously valid claims as Medicaid budgets have become overwhelmed.

 Is it any wonder that the cost of medical care, and not being able to pay for it, is the largest cause of mortgage foreclosures?

To continue, we now have causes of disability that didn't exist two decades ago. Carpel tunnel and chronic fatigue syndrome are being diagnosed more than at any other time in our history. When we add fibromyalgia to the new list, we have an evolving problem that's creating a nightmare for the disability insurers. These are known as "self reported" disabilities in that there's no specific medical testing that can diagnose these conditions. It's easy to understand how disability claim examiners can mistrust "self reported" symptoms. This makes it an onerous process for those who are truly adversely effective by one of these conditions from collecting benefits they're entitled to.

In summary, we now face a dramatic increase in the 20 percent of the population in an older age group. They're still working with an increasing incidence of disability. Unemployment compounds the problem even more. And adding new causes of disability and our litigious society results in more PROMISES UNKEPT.

Allan Checkoway

Copyright 2011

Allan Checkoway's career includes more than 30 years in the health care insurance field, and a specialty in the brokerage placement of disability and long-term care insurance coverage. Allan is the author of 'Disability Income: A How To Guide', published by R & R Newkirk, and 'Disability Income Insurance', published by Kaplan Publishing. His articles have been featured in the Wall Street Journal, Legal Economics, Lawyers Weekly, Journal of Financial Planning, National Underwriter, Health Insurance Underwriter, Life Association News, Advisor Today, ProducersWEB, and other professional trade journals.

Allan is Past President of the Disability Insurance Training Council and has received the National Association of Health Underwriters' Norma Medill Award for Journalism. He served as Regional Vice President of the National Association of Health Underwriters and has been a frequent speaker at the Million Dollar Round Table.

Allan's newest publication 'Getting Paid', a disability benefits resource manual is scheduled for publication December 2011. Allan shares Insider Tips on how to correctly file a Long Term Disability claim, dramatically improving the likelihood of collecting benefits. His new publication was developed to help the multitude of disabled Americans learn how to collect the millions of dollars of disability benefits they're entitled to.

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Meet Black Men

Published: Mar 25, 2012 by admin Filed under: Gossip & Rumors Music

In today's society, black dating has changed tremendously since the last decade. Back in the days you would meet someone, exchange numbers and talk on the phone while possible setting up a date. Nowadays, black online dating is very popular and on the rise. Now conversations are taking place in chat rooms online. Text messages and emails are replacing talking on the phone. You can now find that black beauty any where in the world with the touch of a button.You Can Meet Black Men. Dating online is also safer and you could save money without going on dates.

Black dating online gives you the opportunity to get into contact with people you never had access to such as business owners and executives. It makes things much easier when you can find your perfect match at the comfort of your home. Black men can now approach the women of their dreams without the fear of rejection. There are millions of black singles online to choose from. Black singles are dating online in record numbers for safety and to save time. Going out to clubs and bars can get expensive so online dating is very convenient.

 Single black men and women come together in an online atmosphere and build lasting relationships. An online dating site is a place to start your search for your perfect partner.

Black dating sites are to help the interested people to slim down their search. People have different preferences and online dating lets you choose that specific black man or women you desire. White women have this perception that black men are chivalrous and excellent sex masters. On the other hand, black women are submissive to men. White men above 60 years old are now embracing relationships with young black girls and older white women are in relationships with young black men. The African American dating is popular because of romance for money kind of relationship. Since the aged Whites are wealthy, the blacks exchange romance for money.

If you are going to start dating online, you should look for dating sites with good reviews. Some very popular sites are black people meet, singlesnet, blackscene, and

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How to Get the Best Life Insurance Quote

Published: Mar 25, 2012 by admin Filed under: Gossip & Rumors

Life insurance pricing is as variable as every other type of insurance available through several different companies via numerous venues. Because of the many different companies, it raises a question regarding the vast difference in pricing for what is essentially the same product, the only difference being the company that owns the policy. While customers are generally at the mercy of the companies when it comes to costs of services or items, insurance policies do not have stagnant pricing, and therefore, there are things consumers can do to ensure they get the best price quotes available for policies that meet their needs.

The advancements of Internet speed and social networking have made the task of obtaining insurance quotes faster and easier than they have ever been. There are websites dedicated to obtaining life insurance quotes from up to ninety different companies with the customer only needing to fill out one relatively simple form. The quotes are generated via computer information and census information, using age, health, occupation and habits as ways to price a life insurance policy for a single individual.  
 Most of the questionnaires, particularly those for individuals under the age of forty, are generalized to enhance the speed of the quote returns and to keep costs low as well. This is done by the websites that have larger groups of insurance companies on their rosters because they have enough capital to subsidize the one or two percent of the applicants in any given age and price range who might become ill or suffer an unforeseen health misfortune.

Because the companies that use the quote websites know they will be in stiff competition, they are likely to quote prices that are quite a bit lower than prices that an individual might get from a private insurance agent. This is mainly due to the fact that the agent gets paid from commission made from the sale of the life insurance policy, so the higher the premium, the higher the commission.

Basically, getting a good insurance quote depends on the number of applications that a person submits. If a person gets several dozen quotes, he or she should have a good idea about the general pricing of a life insurance policy that suits their individual needs. As mentioned previously, the easiest way for a person to obtain numerous quotes in a fraction of the time it would take to meet one insurance agent is to go to one of the many specialized websites available on the Internet. The more quotes a person gets for a policy, the more ammunition he or she has in their arsenal of information.

Most of the background information on the companies that advertise and offer free quotes through these specialized websites has been done by the website, so customers need not worry about the veracity of the insurance company themselves. The top rated quote websites will not only supply the policy seeker a quote, but most will also include the national business rating of the company as well, to give the customer deeper insight into the company with whom their beneficiaries futures could be entrusted.   Get A Free Private Insurance Quotes Here.

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Watch out: The ‘old’ Tiger is back

Published: Mar 25, 2012 by admin Filed under: Sports

Tiger Won!!!

ORLANDO, Fla. – What used to seem inevitable now comes as a revelation: Tiger Woods has won a golf tournament.

What used to be so familiar has turned into something refreshing: Tiger Woods haemphaticalls y vanquished a field on a Sunday.

And what used to be so rote now comes as a feeling of déjà vu: Tiger Woods is heading to the Masters with a head of steam and a look of triumph.

Tiger Woods kept his emotions in check en route to his seventh win at Bay Hill.
(Getty Images)

Woods turned a precarious one-stroke lead entering Sunday’s final round at the Arnold Palmer Invitational into a five-stroke statement for his first PGA Tour win since the BMW Championship in September 2009. That victory came two months before a minor car accident, at his home only miles from this Bay Hill course, which turned into one of the biggest sports scandals in history. A Pandora’s Box of past philandering and poor behavior opened for the world to see, and Woods’ reputation was permanently besotted. He won six tournaments earlier that year, but in the insular world of the sport he played, there were both whispers and shouts that the imperturbable assassin of Sundays never would be the same.

On this Sunday, he absolutely was.

There was a clear turning point in the final round – a moment of grave concern. And it came early. On the second green, Woods mishit a 28-foot lag putt and left himself a tricky 5-footer. These were the putts he always used to make in final rounds. Especially on Sunday. Especially on this course on Sunday, where he has won three times on the 72nd green.

He missed. Bogey.

While the gallery and his caddie moved ahead to the next tee, Woods lined up the putt again – without the ball. He stared at the hole for a good five seconds. Then he stormed off. And as he approached the third tee, his eyes were wide and unblinking in shock. He looked spooked.

Here is where the old Tiger would seize control of his emotions and his game. Here is where the new Tiger might spiral. Who would we see on Sunday? The man who came into this event 37-2 when he had the outright lead after 54 holes? Or the man who had lost control of his driver and couldn’t make the clutch putt when a round depended on it?

In that moment, it looked like the old Tiger was long gone.

But on the very next hole, faced with a difficult iron shot over water with a strong wind crossing through the fairway, Woods dropped the ball within five feet of the hole. He made birdie to get that lost shot right back. On his walk to the next tee, he let out a huge breath of air.

He then birdied Nos. 4, 6, and 8 to finish the front nine with a four-shot lead. On the back, the key moment came on the 15th green, when playing partner Graeme McDowell had a birdie putt and Woods had 20 feet just to save par. The four-shot lead could have dropped to two with three holes to play.

But this was the Tiger of old. He watched McDowell leave his putt an inch high and then drained his own, throwing that iconic fist pump as the ball fell.

By that point it was clear: Tiger was back. At least for a day.

This win is even more impressive considering Woods withdrew from the last tournament he played, at Doral in Miami, with a leg injury. And in the weeks since, he has faced tough questions about former coach Hank Haney’s tell-all book, “The Big Miss,” which painted the golfer as rude, cheap, cold and reckless with his rehab from recurring knee injuries.

But much like a superstar from another generation, Michael Jordan, Woods is at his best when he feels slighted. And he was publicly slighted in “The Big Miss” in a way he never had been slighted before. Haney ripped Woods as a golfer, friend and husband. Woods, when asked about the book in a recent press conference, almost looked ready to choke up with anger.

But on Sunday, he was laser-focused, unwilling to let anyone topple him. When the gallery broke up with laughter on the fourth hole after an errant approach dribbled to within inches of a stuffed tiger on the ropeline, Tiger the golfer barely noticed. He recovered with a near-perfect chip and made a 12-foot birdie putt to widen his lead. He never looked back from that moment, slowly squelching the hope out of the field with every made putt and saved par. McDowell never got within three strokes of the lead. And no one else was within sniffing distance.

It might be a turning point for Woods – the month the anti-Tiger venom reached another crescendo with a vicious book, and this week he finally wrote an on-course rebuttal of his own. He played as if aware this is a course where he has always been great. He played as if he knew the big test – Augusta National – is just two weeks away. Woods spoke rarely throughout Sunday’s final round to anyone and showed little emotion. The fairway rage from years past was gone. But he wasn’t ebullient.

At least for this one Sunday, Tiger was squarely in between. Not too hot, not too cold. Just right. Just Tiger. And just the way he used to be.

Get Your Golf Club Here

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