Guest Blogger, Investment

History of Investment

The investment world has been in existence for a couple of centuries and until a few decades ago the investment industry had a small number of partnerships and they earned their share of income from the commissions on behalf of their clients. It was the need of capital of the Americans during the Civil War that drew the attention of Europeans who later involved in private banking instead of assorted mercantile activities. However, after the Civil war the financial services market met a radical change. Post World War two there was devastation all over and the existence of the business seemed to be a thing of the past. But the investment industry saw a revival later in the 1980s and 90s.

Changes in the last decade

And all was well until there was a huge crisis that erupted from the aftermath of the fall of the Lehmann Brothers. This left a huge impact, but negative in the investment banking sector which later affected every other industry. And it was the end of an era in the investment world when one of the powerful financial players Goldman Sachs and Morgan Stanley decided to function as commercial banks.

Since then the adaptation to the losses has been difficult and apart from private firms, the common people also went through a series of losses that they found complicated to get over.

After a time-consuming recovery from the financial disaster, the investment industry saw a bright resurgence and the people came across new investment ideas that brought about the same old interests in the minds of the investors. Many of them have showed a keen interest in both long term and short term investments and earned great profits.

There were modifications in the rules and regulations regarding the investment banking and the financial institutions which were previously denied permission to indulge in consumer banking were later permitted as there was a possibility of the institutions becoming more feasible fiscally when they provide direct services to the consumers.

Changes have also been brought in the method of packaging and reselling of the home mortgage loans. This is because the investment experts felt that the reason behind such financial crisis is due to the investments made in the packages of the higher risk loans by the institutions and individuals. And the investment world is yet to meet much more amelioration and bring about further change.

Article written by: Jessika Carolin, jcarolin02[at]gmail.com

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Computer And Internet, Personal, Tips & Trick

In this short tutorial we will learn how to blocking bad referrer site using php script. This idea coming into my head after I’m sick looking at bad referrer site which take opportunity to earn money using my articles. Example: the baddest shortest URL adf.ly, this site shorten URL but it’s reported contain spyware and malware on ads from that page.

This will lead our site in problem because people may think we’re spreading spyware/malware. Even if we claim we don’t created that link I believe 99% people wouldn’t trust us. The best thing to stop this madness is blocking that referrer site to stop referring people into our page.

This php script will using php referrer function to detected referrer site. In this short code sample we may will be needed more manual working. I believe someone can created better one or maybe a nice plugins? you’re ALLOWED to use this script code.

Before I’m going to write the code I just want to tell everyone I already try to blocking bad referrer via .htacces file but it’s not working, I believe there something missing on there… So here is the sample code:

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<?php
if ($_SERVER[‘HTTP_REFERER’]){
if ($_SERVER[‘HTTP_REFERER’] == ‘BAD-SITE-URL-HERE’) {
echo “REFERRER FROM BAD-SITE-URL HAS BEEN BLOCKED”;
exit;
}
}
?>

The problem is when we’re trying to block another bad site we have to edit this code manually. I hope someone would try to make plugins using this code. At least this code works when I try to blocking some referrer from adf.ly it’s SUCCESS!

For wordpress user where to put this code? Open your admin panel and edit your header.php file, put this code in the top of your header code. This sample script will checking, if referrer coming from badsite it will stop loading pages and giving warning message. When it coming directly of safe site like google, yahoo, bing, etc it will work as usual.

That’s my share for today, happy weekend everyone, enjoy your day 🙂

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Computer And Internet, Personal, Tips & Trick

Have you run big wordpress site and suddenly find out there is something not working after your wordpress site become bigger? I do, and sometimes I was thinking to use other CMS because there is no better solution for this case. Out of memory problem can only be solved by raising the memory_limit, The problem is how if I’m still using shared hosting?

Actually this case already happen to me long time ago. When my site with worpdress CMS become bigger I notice wp-db.php error in hosting logs. Mostly all errors coming from out of memory. I have not found the real solution for this problem the only way is raising the memory_limit in php.ini file.

Raising memory_limit in php.ini file is not smart solution, Said the standard shared hosting only allowed you to use memory_limit 64MB (some only 32MB) if you change the memory_limit in single php.ini files with new higher memory_limit you hosting provider may suspended your account! Why? because all your php script will run using that single php.ini memory_limit.

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Yesterday I was searching on google and found the smart solution for this case. I said smart because we will only allow some php files which may need more memory to run. It will not affect other php files and just run with memory_limit sometimes when you executed it. Your hosting account will be safe and your php script can run as usual without error.

How to do this trick? Just put this small code inside your php files which needed more memory to run.

ini_set(“memory_limit”,”128M”);

Put this code inside your php code before php tag closed. Your php files which you added this code will run with memory limit 128MB. You can change 128 value with memory your script may consume example 256. But remember don’t over do it or you may have problem with your hosting provider 😀

This trick can be applied also on other php script with same error message out of memory. Just add that code inside your php files and it will works like a charm.

That’s my share for today, have a nice day everyone 🙂

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Computer And Internet, Miscellaneous, Tips & Trick

This issue come to my attention after I moved one of site from my network into another host. When I’m in older host they not limited bandwidth usage but in new host they limited bandwidth usage. I got data statistics bandwidth used daily around 2-5 GB (crazy visitors *lol* text site based can consume 2-5 GB data daily). This is really annoying, I keep upgraded the hosting package to keep the site running.

3 days ago I was looking for solution for this problem, I have an idea to limit the download files to save bandwidth ?abuse? usage. I was searching on google to find sample script that can limited download to save my bandwidth. Finally I found it, and here we go…

We need MySQL database to use this script, We can limit download by IP address and giving interval how long this IP address can download again from our server. Just read this PHP snippet it’s works like a charm.

<?php
// change this value follow your hosting dan database information
$cs_conn = mysql_connect(‘YOURDBHOST‘, ‘YOURDBPASSWORD‘, ‘YOURDBUSERNAME‘);
mysql_select_db(‘YOURDBNAME‘, $cs_conn);

 

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// create table if database exist
mysql_query(“CREATE TABLE IF NOT EXISTS `downloaded` (
`filepath` varchar(255) NOT NULL,
`ipadres` varchar(15) NOT NULL,
`last_access` datetime NOT NULL,
UNIQUE KEY `filepath` (`filepath`,`ipadres`),
KEY `ipadres` (`ipadres`)
) ENGINE=MyISAM DEFAULT CHARSET=latin1;”);

// URL of file on server
$path = addslashes($_SERVER[‘REQUEST_URI’]);

// IP address of downloader
$ip = addslashes($_SERVER[‘REMOTE_ADDR’]);

// BOOLEAN, if $dl = true all download permitted
$dl = false;

$sql = sprintf(“SELECT UNIX_TIMESTAMP(last_access) last_time FROM downloaded WHERE filepath = ‘%s’ AND ipadres = ‘%s’ ORDER BY last_access DESC”, $path, $ip);
$res = mysql_query($sql);
if (mysql_num_rows($res) > 0) {
$last_xs = mysql_result($res, 0, ‘last_time’)+3600;
if ($last_xs < time()) {
mysql_query(sprintf(“REPLACE downloaded SET filepath = ‘%s’, ipadres = ‘%s’, last_access = NOW()”, $path, $ip));
$dl = true;
}

} else {

$sql = sprintf(“REPLACE downloaded SET filepath = ‘%s’, ipadres = ‘%s’, last_access = NOW()”, $path, $ip);
mysql_query($sql);
$dl = true;
}

if ($dl) {
$fullPath = $_SERVER[‘DOCUMENT_ROOT’].$path;
if ($fd = fopen ($fullPath, “r”)) {
$fname = basename($fullPath);
header(‘Content-type: application/octet-stream’);
header(‘Content-Disposition: filename=”‘.$fname.'”‘);
header(‘Content-length: ‘.filesize($fullPath));
header(‘Cache-control: private’);
while(!feof($fd)) {
$buffer = fread($fd, 2048);
echo $buffer;
}
fclose ($fd);
exit;
}

} else {

header(‘HTTP/1.0 503 Service Unavailable’);
die(‘Abort, your IP address’ .$ip. ‘ reached your download limit for this file’);
}
?>

This script will limit download of file and giving message reach download limit from IP listed in SQL database. After 1 hour (3600 seconds) that IP can download again from server (just like rapidshare free account right?). That 3600 value can be edited to follow your needs, Example you want to limit download per IP address and you want to allow them to download again in next 24 hours so you need to change that 3600 into 86400.

Next we need to created .htaccess file to follow this rewrite rules, example :

RewriteEngine on
RewriteRule (.*)(pdf|zip|rar|png)$ /YOURDIRECTORY/dl.php [QSA]

YOURDIRECTORY is your directory name in your server, example you want to put all files to downloaded in folder named DATA you have to change YOURDIRECTORY into DATA. dl.php is the script name which contains code for limiting download if you rename it you have to change it on .htaccess to make it works.

Download this sample script and try it yourself. You might want to add some feature on this script to make it more reliable.

That’s sharing for today, have a nice day 🙂

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Computer And Internet, Tips & Trick

This is an short tutorial how to remove Hybrid Sality Shortcut Win32.Sector.2x virus. This short articles will cover how to detected your system if infected by this virus, how this virus will spreading on your network and removable device , and what you can do to stop this virus then remove it from your system. This short articles provided “AS-IS” with no express or implied warranty for accuracy or accessibility.

How to detect if your system infected by Hybrid Sality Shortcut Win32.Sector.2x Virus.

1. Like an older sality technique, virus will disabled your registry editors.

2. Virus will change your folder options automatically when active, to hide from yourself to know where is virus location.

3. Virus will stop your windows firewall service.

4. Virus will add new rules named “IPSEC” into your firewall settings. This is used when you’re push computers to activate your firewall service, virus still can update from internet.

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5. Virus will add something your SYSTEM.ini with name [fje32a1s] [minr=1] (I don’t know what this will be used, might some advanced user know)

6. Virus will try to used your internet connection to update himself when you’re connected to the internet. If you fell your internet speed become slower you may look on your system for infection.

7. Virus will kill all application within string below:

A2CMD, A2FREE A2GUARD A2SERVICE, ADVCHK, AGB, AHPROCMONSERVER, AIRDEFENSE, AKRNL, ALERTSVC, AMON, ANTIVIR APVXDWIN, ARMOR2NET, ASHAVAST, ASHDISP, ASHENHCD, ASHMAISV, ASHPOPWZ, ASHSERV, ASHSIMPL, ASHSKPCK, ASHWEBSV, ASWSCAN, ASWUPDSV, AVAST AVCENTER AVCIMAN, AVCONSOL, AVENGINE, AVESVC, AVEVAL, AVEVL32, AVGAM AVGCC, AVGCC32, AVGCHSVX, AVGCSRVX, AVGCTRL, AVGEMC, AVGFWSRV, AVGNSX, AVGNT, AVGNTMGR AVGSERV, AVGTRAY, AVGUARD, AVGUPSVC, AVGWDSVC, AVINITNT, AVIRA AVKSERV, AVKSERVICE, AVKWCTL, AVP, AVP32, AVPCC, AVPM, AVSCHED32, AVSERVER, AVSYNMGR, AVWUPD32, AVWUPSRV, AVXMONITOR AVXQUAR, AVZ, BDSWITCH, BITDEFENDER, BLACKD, BLACKICE, CAFIX, CCEVTMGR, CCSETMGR, CFIAUDIT, CFP, CFPCONFIG, CLAMTRAY, CLAMWIN, CUREIT, DEFENDERDAEMON, DEFWATCH, DRVIRUS, DRWADINS, DRWEB, DWEBIO, DWEBLLIO, EKRN, ESCANH95, ESCANHNT, EWIDOCTRL, EZANTIVIRUSREGISTRATIONCHECK, F-AGNT95, F-SCHED, F-STOPW, FAMEH32, FILEMON, FIREWALL FORTICLIENT, FORTISCAN, FORTITRAY, FPAVSERVER, FPROTTRAY, FPWIN, FRESHCLAM, FSAV32, FSAVGUI, FSBWSYS, FSDFWD, FSGK32, FSGK32ST, FSGUIEXE, FSMA32, FSMB32, FSPEX, FSSM32, GCASDTSERV, GCASSERV, GIANTANTISPYWARE, GUARDGUI, GUARDNT, GUARDXKICKOFF, GUARDXSERVICE, HREGMON, HRRES, HSOCKPE, HUPDATE, IAMAPP, IAMSERV, ICLOAD95, ICLOADNT, ICMON, ICSSUPPNT, ICSUPP95, ICSUPPNT, INETUPD, INOCIT, INORPC, INORT, INOTASK, INOUPTNG, IOMON98, IPTRAY, ISAFE, ISATRAY, KAV, KAVMM, KAVPF, KAVPFW, KAVSTART, KAVSVC, KAVSVCUI, KMAILMON, MAMUTU, MCAGENT, MCMNHDLR, MCREGWIZ, MCUPDATE, MCVSSHLD, MINILOG, MYAGTSVC, MYAGTTRY, NAVAPSVC, NAVAPW32, NAVLU32, NAVW32, NEOWATCHLOG, NEOWATCHTRAY, NISSERV NISUM, NMAIN, NOD32 NORMIST, NOTSTART, NPAVTRAY, NPFMNTOR, NPFMSG, NPROTECT, NSCHED32, NSMDTR, NSSSERV, NSSTRAY, NTOS, NTRTSCAN, NTXCONFIG, NUPGRADE, NVCOD, NVCTE, NVCUT, NWSERVICE, OFCPFWSVC, ONLINENT, OP_MON, OPSSVC, OUTPOST PAVFIRES, PAVFNSVR, PAVKRE, PAVPROT, PAVPROXY, PAVPRSRV, PAVSRV51, PAVSS, PCCGUIDE, PCCIOMON, PCCNTMON, PCCPFW, PCCTLCOM, PCTAV, PERSFW, PERTSK, PERVAC, PESTPATROL PNMSRV, PREVSRV, PREVX PSIMSVC, QHONLINE, QHONSVC, QHSET, QHWSCSVC, QUHLPSVC, RFWMAIN, RTVSCAN, RTVSCN95, SALITY SAPISSVC, SAVADMINSERVICE, SAVMAIN, SAVPROGRESS, SAVSCAN, SCANNINGPROCESS, SCANWSCS, SDHELP, SDRA64, SHSTAT, SITECLI, SPBBCSVC, SPHINX, SPIDERCPL, SPIDERML, SPIDERNT, SPIDERUI, SPYBOTSD, SPYXX, SS3EDIT, STOPSIGNAV, SWAGENT, SWDOCTOR, SWNETSUP, SYMLCSVC, SYMPROXYSVC, SYMSPORT, SYMWSC, SYNMGR, TAUMON, TBMON, TMLISTEN, TMNTSRV, TMPROXY, TNBUTIL, TRJSCAN, TROJAN, VBA32ECM, VBA32IFS, VBA32LDR, VBA32PP3, VBSNTW, VCRMON, VPTRAY, VRFWSVC, VRMONNT, VRMONSVC, VRRW32, VSECOMR, VSHWIN32, VSMON, VSSERV, VSSTAT, WATCHDOG, WEBSCANX, WINSSNOTIFY, WRCTRL, XCOMMSVR, ZLCLIENT, ZONEALARM.

8. Virus will kill your “SYSTEM RESTORE” Service.

9. Virus will make BSOD (blue screen of death) when you’re trying to use windows safe mode or safe boot function.

10. Virus will change your registry to start spreading using your network or removable device.

How Hybrid Sality Shortcut Win32.Sector.2x Virus spreading.

Virus has been made using C languages and compressed with UPX. Like an older technique virus will try to spreading using social technique to tricky his victims. Virus will created some .lnk files (link) and hidden the real files. When victims click on this fake files virus active and start to spreading in the system and looking the other ways/device to spreading.

Once virus active it will infected all .exe and .scr files (it may become bigger) virus also will created an autorun.inf on all root folders. When virus detected removable device virus will automatically generated 3 files into removable device to help virus spreading in other computers.

When virus found shared folders or files virus will crated fake files to keep spreading in networks. This is truly a nightmare for newbie out there 😀

How to Remove Hybrid Sality Shortcut Win32.Sector.2x

1. Unplug your computers from your networks, Remove all removable device, Disconnected from Internet.

2. Disable all your Startup programs. Start -> Run -> Type “MSCONFIG” -> go to tab “Startup” -> click on “Disable All” -> Apply -> Reboot/Logoff.

3. Download CureIt!, Compress that files with .ZIP archive, Right click on it the choose “Explore” the choose “RUN“, waiting until all process is done.

4. Restore back SYSTEM.ini. Start -> Run -> Type “SYSTEM.ini“.

It will opened system.ini in notepad, don’t forget to save it when you done, delete this string.

[fje32a1s]
minr = 1

[MCIDRV_VER]
DEVICE=[random]

* Carefully Don’t delete anything except the string I told you.

4. Restore back your windows firewall settings. Start -> Run -> Type “Firewall.cpl” -> go to tab “Advanced” -> Click on “Restore Defaults

5. Repair your registry using this code:

[Version]
Signature=”$Chicago$”
Provider=Nobody

[DefaultInstall]
AddReg=Hook
DelReg=Rem

[Hook]
HKLM, Software\CLASSES\batfile\shell\open\command,,,”””%1″” %*”
HKLM, Software\CLASSES\comfile\shell\open\command,,,”””%1″” %*”
HKLM, Software\CLASSES\exefile\shell\open\command,,,”””%1″” %*”
HKLM, Software\CLASSES\piffile\shell\open\command,,,”””%1″” %*”
HKLM, Software\CLASSES\regfile\shell\open\command,,,”regedit.exe “”%1″””
HKLM, Software\CLASSES\scrfile\shell\open\command,,,”””%1″” %*”
HKCU, Software\Microsoft\Windows\CurrentVersion\Explorer\Advanced, Hidden, 0x10001,0x00000001

[Rem]
HKCU, Software\Microsoft\Windows\CurrentVersion\Explorer\MountPoints2\C
HKCU, Software\Microsoft\Windows\CurrentVersion\Explorer\MountPoints2\{5b7fdd69-e6fd-11df-a9bd-806d6172696f}
HKCU, Software\Microsoft\Windows\CurrentVersion\Policies\System, DisableRegistryTools
HKCU, Software\Microsoft\Windows\CurrentVersion\Policies\System, DisableTaskMgr
HKLM, SOFTWARE\Microsoft\Windows\CurrentVersion\policies\system, EnableLUA
HKLM, System\CurrentControlSet\Services\amsint32

Save files as Anything.inf then right click on it choose “Install“. If you meet problem with WP characters conversion download my version click here.

6. Repair your BSOD safe mode or safe boot. Download this registry files, extract it, then choose registry based on what operating system you are using.

7. Cleaning up your temporary files. Start -> Run -> Type “Cleanmgr” -> Clear all temporary files.

8. Activated back your “System Restore“. From Desktop -> Right click on “My Computers” -> Properties -> Move to tab “System Restore” -> Then turn on System Restore back.

9. Install this security patch from Microsoft Ms10-46.

10. Scan again all your system with your best trusted and updated antivirus to make sure there is no virus left.

Done, Have a Nice Day 🙂

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