What is Spam? According to spam abuse .net “Spam is flooding the Internet with many copies of the same message, in an attempt to force the message on people who would not otherwise choose to receive it. Most spam is commercial advertising, often for dubious products, get-rich-quick schemes, or quasi-legal services. Spam costs the sender very little to send — most of the costs are paid for by the recipient or the carriers rather than by the sender.”What Are Some of Spam’s Consequences? Wikipedia, the free encyclopedia advises, “Spam’s direct effects include the consumption of computer and network resources, and the cost in human time and attention of dismissing unwanted messages. In addition, spam has costs stemming from the kinds of spam messages sent, from the ways spammers send them, and from the arms race between spammers and those who try to stop or control spam. In addition, there are the opportunity cost of those who forgo the use of spam-afflicted systems. There are the direct costs, as well as the indirect costs borne by the victims - both those related to the spamming itself, and to other crimes that usually accompany it, such as financial theft, identity theft, data […]

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If you’re like me, your mailbox is usually stuffed with things like bills…postcards selling some turbo-charged Internet service…maybe a few magazines…and, of course, credit card offers.It’s the credit card offers that get you. They’re pretty tempting, aren’t they? Whether it’s being pre-approved for $10,000, or the promise of earning free airline tickets, there’s always something that lures us in.While you might get a few good offers every now and then, most should be sent right to the shredder. The trick is, knowing which ones should stay—and which ones should go.Be choosyKeep one thing in mind: if you have a couple of credit cards you’re happy with, try not to apply for more cards. Each time you apply, it shows up on your credit report. And that can make you look credit hungry. It may also lower your credit score.When you do decide you need a new credit card—or you are applying for your first one—ask yourself: what kind of card do you want? You can get one with reward points. Or miles. Or even a card that helps you save. With so many cards out there, you don’t have to jump at the first offer you get in the […]

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