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Security is a big and serious deal, but it’s also largely a solved problem. That’s why the average person is quite willing to do their banking online and why nobody is afraid of entering their credit card number on Amazon. At 37signals, we’ve devised a simple security checklist all employees must follow: 1. All computers must use hard drive encryption, like the built-in FileVault feature in Apple’s OS X operating system. This ensures that a lost laptop is merely an inconvenience and an insurance claim, not a company-wide emergency and a scramble to change passwords and worry about what documents might be leaked. 2. Disable automatic login, require a password when waking from sleep, and set the computer to automatically lock after ten inactive minutes. 3. Turn on encryption for all sites you visit, especially critical services like Gmail. These days all sites use something called HTTPS or SSL. Look for the little lock icon in front of the Internet address. (We forced all 37signals products onto SSL a few years back to help with this.) 4. Make sure all smartphones and tablets use lock codes and can be wiped remotely. On the iPhone, you can do this through the “Find iPhone” application. This rule is easily forgotten as we tend to think of these tools as something for the home, but inevitably you’ll check your work email or log into Basecamp using your tablet. A smartphone or tablet needs to be treated with as much respect as your laptop. 5. Use a unique, generated, long-form password for each site you visit, kept by password-managing software, such as 1Password.§ We’re sorry to say, “secretmonkey” is not going to fool anyone. And even if you manage to remember UM6vDjwidQE9C28Z, it’s no good if it’s used on every site and one of them is hacked. (It happens all the time!) 6. Turn on two-factor authentication when using Gmail, so you can’t log in without having access to your cell phone for a login code (this means that someone who gets hold of your login and password also needs to get hold of your phone to login). And keep in mind: if your email security fails, all other online services will fail too, since an intruder can use the “password reset” from any other site to have a new password sent to the email account they now have access to. Creating security protocols and algorithms is the computer equivalent of rocket science, but taking advantage of them isn’t. Take the time to learn the basics and they’ll cease being scary voodoo that you can’t trust. These days, security for your devices is just simple good sense, like putting on your seat belt.

Give us an idea of…” Noya Baram rubs her temples. “Oh, well.” Augie begins to stroll around again. “The examples are limitless. Small examples: elevators stop working. Grocery-store scanners. Train and bus passes. Televisions. Phones. Radios. Traffic lights. Credit-card scanners. Home alarm systems. Laptop computers will lose all their software, all files, everything erased. Your computer will be nothing but a keyboard and a blank screen. “Electricity would be severely compromised. Which means refrigerators. In some cases, heat. Water—well, we have already seen the effect on water-purification plants. Clean water in America will quickly become a scarcity. “That means health problems on a massive scale. Who will care for the sick? Hospitals? Will they have the necessary resources to treat you? Surgical operations these days are highly computerized. And they will not have access to any of your prior medical records online. “For that matter, will they treat you at all? Do you have health insurance? Says who? A card in your pocket? They won’t be able to look you up and confirm it. Nor will they be able to seek reimbursement from the insurer. And even if they could get in contact with the insurance company, the insurance company won’t know whether you’re its customer. Does it have handwritten lists of its policyholders? No. It’s all on computers. Computers that have been erased. Will the hospitals work for free? “No websites, of course. No e-commerce. Conveyor belts. Sophisticated machinery inside manufacturing plants. Payroll records. “Planes will be grounded. Even trains may not operate in most places. Cars, at least any built since, oh, 2010 or so, will be affected. “Legal records. Welfare records. Law enforcement databases. The ability of local police to identify criminals, to coordinate with other states and the federal government through databases—no more. “Bank records. You think you have ten thousand dollars in your savings account? Fifty thousand dollars in a retirement account? You think you have a pension that allows you to receive a fixed payment every month?” He shakes his head. “Not if computer files and their backups are erased. Do banks have a large wad of cash, wrapped in a rubber band with your name on it, sitting in a vault somewhere? Of course not. It’s all data.” “Mother of God,” says Chancellor Richter, wiping his face with a handkerchief.

The US traded its manufacturing sector’s health for its entertainment industry, hoping that Police Academy sequels could take the place of the rustbelt. The US bet wrong. But like a losing gambler who keeps on doubling down, the US doesn’t know when to quit. It keeps meeting with its entertainment giants, asking how US foreign and domestic policy can preserve its business-model. Criminalize 70 million American file-sharers? Check. Turn the world’s copyright laws upside down? Check. Cream the IT industry by criminalizing attempted infringement? Check. It’ll never work. It can never work. There will always be an entertainment industry, but not one based on excluding access to published digital works. Once it’s in the world, it’ll be copied. This is why I give away digital copies of my books and make money on the printed editions: I’m not going to stop people from copying the electronic editions, so I might as well treat them as an enticement to buy the printed objects. But there is an information economy. You don’t even need a computer to participate. My barber, an avowed technophobe who rebuilds antique motorcycles and doesn’t own a PC, benefited from the information economy when I found him by googling for barbershops in my neighborhood. Teachers benefit from the information economy when they share lesson plans with their colleagues around the world by email. Doctors benefit from the information economy when they move their patient files to efficient digital formats. Insurance companies benefit from the information economy through better access to fresh data used in the preparation of actuarial tables. Marinas benefit from the information economy when office-slaves look up the weekend’s weather online and decide to skip out on Friday for a weekend’s sailing. Families of migrant workers benefit from the information economy when their sons and daughters wire cash home from a convenience store Western Union terminal. This stuff generates wealth for those who practice it. It enriches the country and improves our lives. And it can peacefully co-exist with movies, music and microcode, but not if Hollywood gets to call the shots. Where IT managers are expected to police their networks and systems for unauthorized copying – no matter what that does to productivity – they cannot co-exist. Where our operating systems are rendered inoperable by “copy protection,” they cannot co-exist. Where our educational institutions are turned into conscript enforcers for the record industry, they cannot co-exist. The information economy is all around us. The countries that embrace it will emerge as global economic superpowers. The countries that stubbornly hold to the simplistic idea that the information economy is about selling information will end up at the bottom of the pile. What country do you want to live in?

Find rates for all the top No Medical Exam Life Insurance carriers in your area. We specialize in no medical exam term life insurance but carry everything from standard term life to guaranteed issue final expense insurance. Our online quoting and application process means that you have all the rates available at your finger tips. We don't work for an insurance company we work for you.

Social Networks Censorship on social media is common, especially on forums. Some companies are working to create a type of decentralized online community that operates on an open source code. This means that it will be built on smart contracts that will eliminate censorship. Whether this is good or bad is subjective, but it serves to show the diversity of smart contracts and blockchain applications. One example of an Ethereum-based social network is Akasha. Akasha lets users publish, share, and vote for work that has been published on its platform. It aims to provide a decentralized option that gives an alternative to services such as Medium and WordPress. The system works by giving monetary incentives in the form of Ether to users to encourage engaging and rich content. Insurance

Specialized policies to protect against online attacks are offered by about 50 carriers, including big names like the American International Group, Chubb and Ace. As data breaches have become a reality of the business world, more companies are buying policies; demand increased 21 percent last year from 2012, according to Marsh, a risk management company and insurance broker. Yet companies say it is difficult to get as much coverage as they need, leaving them vulnerable to uncertain losses.

As the world economy grows, and as the super-elite, in particular, get richer, the superstars who work for the super-rich can charge super fees. Consider the 2009 legal showdown between Hank Greenberg and AIG, the insurance giant he had built. It was a high-stakes battle, as AIG accused Greenberg, through a privately held company, Starr International, of misappropriating $4.3 billion worth of assets. For his defense, Greenberg hired David Boies. With his trademark slightly ratty Lands’ End suits (ordered a dozen at a time by his office online), his midwestern background, his proud affection for Middle American pastimes like craps, and his severe dyslexia (he didn’t learn how to read until he was in the third grade), Boies comes across as neither a superstar nor a member of the super-elite. But he is both. Boies and his eponymous firm earned a reputed $100 million for the nine-month job of defending Greenberg. That was one of the richest fees earned in a single litigation. Yet, for Greenberg, it was a terrific deal. When you have $4.3 billion at risk, $100 million—only 2.3 percent of the total—just isn’t that much money. (Further sweetening the transaction was the judge’s eventual ruling that AIG, then nearly 80 percent owned by the U.S. government, was liable for up to $150 million of Greenberg’s legal fees, but he didn’t know that when he retained Boies.) It

Zego is a London based insurtech start-up that provides flexible motor, personal and commercial insurance. The company sells policies ranging in length from an hour to a year. Customers purchase these online, via phone and through Zego’s app. Zego was founded by former Deliveroo employees Sten Saar and Harry Franks, alongside Stuart Kelly, former Head of Engineering at Hubble. The company originally began operating in the motor insurance market, selling policies by the hour to part-time fast food delivery drivers. In 2020 Zego started to offer private hire insurance policies. Since 2016, the company has expanded into other areas of insurance, including public liability insurance for self-employed professionals and employers’ liability cover for businesses. In September 2018, Zego launched overseas, making flexible motor insurance products available to delivery drivers in Ireland. In December 2018, Zego began offering motor insurance policies in Spain.

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From the very start of the healthcare debate, policy wonks on the left had pushed us to modify the Massachusetts model by giving consumers the choice to buy coverage on the online “exchange,” not just from the likes of Aetna and Blue Cross Blue Shield but also from a newly formed insurer owned and operated by the government. Unsurprisingly, insurance companies had balked at the idea of a public option, arguing that they would not be able to compete against a government insurance plan that could operate without the pressures of making a profit. Of course, for public-option proponents, that was exactly the point: By highlighting the cost-effectiveness of government insurance and exposing the bloated waste and immorality of the private insurance market, they hoped the public option would pave the way for a single-payer system.

a 2003 study, which demonstrated that consumers’ preference for an online retailer increases when they are offered competitive price information.[xxxvi] The technique has also been used by Progressive, the car insurance company, to drive over $15 billion of annual insurance sales, up from just $3.4 billion before the tactic was implemented.

Birmingham Plumbing: Your Home's Lifeline, Our Expertise A well-functioning plumbing system is the unsung hero of any Birmingham home. It silently provides the essential services we rely on daily, from clean water for drinking and bathing to efficient waste removal. However, when plumbing problems arise, they can quickly disrupt your life and cause significant stress. That's where reliable plumbing Birmingham AL services become indispensable. The Importance of Professional Plumbing Services Whether you're dealing with a leaky faucet, a burst pipe, or a complex sewer line issue, professional plumbers possess the knowledge, skills, and tools to diagnose and resolve the problem efficiently. Attempting DIY plumbing repairs can often lead to further complications and costly damage.   Common Plumbing Issues in Birmingham Homes Birmingham homeowners may encounter a variety of plumbing issues, including: Leaky Pipes: Caused by corrosion, age, or damage, leaky pipes can lead to water waste and structural damage.   Clogged Drains: Hair, grease, and debris can accumulate in drains, causing slow drainage and backups.   Running Toilets: A faulty toilet can waste significant water and increase your utility bills.   Water Heater Problems: Issues with water heaters can result in a lack of hot water or inconsistent temperatures.   Sewer Line Issues: Tree root intrusion, corrosion, and blockages can cause sewer line backups.   Low Water Pressure: Mineral buildup or pipe damage can contribute to low water pressure.   Faucet and Fixture Repairs: Leaky faucets and malfunctioning fixtures can waste water and require repair or replacement. Choosing the Right Plumbing Service in Birmingham Selecting a reputable plumbing Birmingham AL company is crucial for ensuring quality service and lasting solutions. Consider the following factors: Licensing and Insurance: Ensure the company is licensed and insured to protect yourself from liability. Experience and Expertise: Look for plumbers with extensive experience and expertise in various plumbing services. Reputation and Reviews: Check online reviews and testimonials to gauge customer satisfaction. Pricing and Transparency: Obtain clear and upfront pricing before scheduling service. Emergency Services: Choose a company that offers 24/7 emergency plumbing services. Range of Services: Make sure the company offers the services you need, from repairs to installations. The Benefits of Professional Plumbing Services Investing in professional plumbing Birmingham AL services offers numerous benefits, including: Accurate Diagnosis: Experienced plumbers can accurately diagnose plumbing problems and identify the root cause.   Efficient Repairs: Professionals have the tools and expertise to perform repairs quickly and efficiently.   Preventative Maintenance: Regular plumbing maintenance can prevent future problems and extend the lifespan of your plumbing system.   Water Conservation: Professional repairs can help prevent water waste and reduce your utility bills.   Peace of Mind: Knowing your plumbing system is in good hands provides peace of mind. Whether you're dealing with a minor leak or a major plumbing emergency, a reliable plumbing Birmingham AL company can provide the expertise and service you need to keep your home's plumbing system functioning smoothly.

Expedia is one of the most popular online travel booking platforms, offering flights, hotels, car rentals, vacation packages, and more. While Expedia provides a seamless booking experience, travelers may occasionally face issues such as cancellations, refunds, and itinerary changes. When that happens, Expedia customer service is there to assist. In this guide, we’ll cover everything you need to know about contacting Expedia customer support, troubleshooting common issues, and getting the best help possible. For immediate assistance, call +1 (855) 451-4078. Why Contact Expedia Customer Service? Expedia customer service is available to assist travelers with various issues, including but not limited to: Booking and reservation assistance Cancellation and refund inquiries Changes to existing bookings Issues with flight schedules and delays Hotel booking problems Car rental assistance Vacation package modifications Technical support for Expedia account login issues Travel insurance and policy clarification If you encounter any of these issues, calling +1 (855) 451-4078 is the quickest way to get in touch with an Expedia representative. How to Contact Expedia Customer Service Expedia provides multiple ways for customers to reach out for support. Here’s a detailed look at the different contact methods available: Expedia Customer Service Phone Number – +1 (855) 451-4078 The best way to get immediate help from Expedia is by calling their customer service number. The support team is available 24/7 to assist with urgent travel concerns, changes, or cancellations. How to Reach Expedia by Phone: Dial +1 (855) 451-4078 from your phone. Listen to the automated voice menu and select the appropriate option based on your issue. If needed, request to speak to a live agent for personalized assistance. Provide necessary booking details (confirmation number, travel dates, etc.) for faster resolution. Expedia’s phone support is particularly useful when dealing with last-minute cancellations, urgent rebookings, or refunds. Expedia Live Chat Support If you prefer a chat-based interaction, you can access Expedia’s live chat feature via their website or mobile app. To use this service: Visit the official Expedia website or open the mobile app. Log into your account and navigate to the “Help Center.” Click on the Live Chat option to initiate a conversation with a virtual assistant. If needed, you can request to speak to a human agent for more complex issues. While live chat is convenient, it may not be as effective for urgent matters compared to calling +1 (855) 451-4078.

How to File a Claim with Expedia?[[receipts, emails]] To file a claim with Expedia for refunds or service issues, call (855) 200-2631 or submit a claim online. Provide booking details, proof of the problem (e.g., receipts, emails), and your resolution request. Expedia reviews claims within 7-14 business days. If denied, escalate by disputing with your credit card company or filing a BBB complaint. Keep records of all interactions. For travel insurance claims, contact the insurer directly. Polite follow-ups improve response times. If Expedia doesn't resolve your claim, consider legal action for significant losses. Documentation strengthens your case if further steps are needed.

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how to escalate an issue with expedia How Do I Complain to Expedia? If you want to file a complaint with Expedia, the best way is to call their Customer Care team at 1-801-337-7888. You can also reach them through live chat on their website or by email. For more serious problems, try messaging them on social media, or if a refund is denied, you can dispute the charge with your bank. How Do I Talk to a Real Person at Expedia? To speak to a human at Expedia, call 1-801-337-7888 and follow the prompts. You can ask to talk to a representative or press “0” to skip the automated system. You can also use live chat or email if you prefer. How Do I Escalate a Problem with Expedia? If your issue isn’t getting resolved, call 1-801-337-7888 and ask to speak with a supervisor. You can also use the Support page on the Expedia website to access chat, email, or phone help. If you still don’t get help, post your concern on Expedia’s social media channels like Twitter or Facebook. For serious complaints, you can also report them to the Better Business Bureau (BBB). How Do I File a Dispute with Expedia? If you need to dispute something like a charge or a booking issue, call Expedia Customer Support at 1-801-337-7888. You can also use chat or email. If it’s still unresolved, contact your bank or credit card company to dispute the charge. You can also file a complaint with the BBB or Federal Trade Commission (FTC) for extra help. How Do I Make a Claim with Expedia? To make a claim (like a refund or travel insurance claim), call 1-801-337-7888. You can also use the website chat or email support. If your booking has travel insurance, contact the insurance company listed on your policy. If your issue isn’t resolved, escalate through social media or report it to the BBB or FTC. Is Expedia Fully Refundable? Some Expedia bookings are fully refundable, but it depends on the hotel, airline, or rental company’s cancellation policy. Always check the refund terms before you book. For help with refunds, you can manage your booking online or call 1-801-337-7888.

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