DESCUENTO LECTORES

Chase Data Breach Hit 76M Households, 7M Businesses; Account Info Not Stolen


Remember that coordinated hack attack against JPMorgan Chase and other banks from August? Chase now says information — but apparently no payment data — on some 76 million households and 7 million small businesses was compromised.

The bank announced late this afternoon that hackers were able to obtain names, addresses, phone numbers and email addresses of Chase’s websites (Chase.com, JPMorganOline.com) and its ChaseMobile and JPMorgan Mobile smartphone apps.


Chase claims that account information was not accessed, nor was particularly sensitive personal data like Social Security numbers, passwords, or dates of birth. According to the megabank, it has not identified any unusual fraud stemming from the attack.


Though of course, with massive data breaches seemingly occurring on a weekly basis, it might be hard to tell.


Chase has posted an FAQ for customers on Chase.com, advising them that they don’t need get new cards or change passwords (though, honestly, it never hurts to change your password on a regular basis).


The Wall Street Journal points out that while one couldn’t create a fake identity or steal someone’s cash with the information taken in the JPMorgan hack, a clever ID thief could use that info to send lookalike phishing e-mails to Chase customers with bogus password-reset links. If a person clicks that link and enters their actual Chase login info, the thief then has everything needed to access a Chase.com account, where havoc could be reached.


While phishing attempts are constant, the Journal says there were reports of a possible increase in these types of fake e-mails this past summer.




by Chris Morran via Consumerist

Publicidad en Twitter #infografia #infographic #marketing #socialmedia

Hola:


Una infografía sobre Publicidad en Twitter. Vía


Un saludo


Publicidad en Twitter

Publicidad en Twitter





Archivado en: Infografía, Marketing on line, Redes Sociales, Sociedad de la información Tagged: Infografía, internet, Marketing, redes sociales, tic, Twitter, Web 2.0.



from TICs y Formación http://ift.tt/1uFgXRw

via Alfredo Vela Posteado por www.bscformacion.com

Supreme Court Will Hear Case Of Abercrombie Job Applicant Denied Because Of Hijab


Back in 2008, a 17-year-old in Oklahoma applied for a job at a local Abercrombie Kids store. She made the cut, but learned that the store’s “look policy” wouldn’t allow her to wear a religious head covering. Just over a year ago, the Equal Employment Opportunity Commission won the right for employees to wear religious head coverings while they battle the cologne stench at Abercrombie, but the headscarf itself isn’t what this case is about.

The reason why this case has been appealed all the way up to the highest court in the country over the course of five years is that it’s really about whether a job applicant has to explicitly say that the accommodation he or she is requesting is a religious one. A supervisor at the Abercrombie Kids store claims that the applicant never spelled out specifically that she needed to wear a hijab all of the time for religious reasons. Maybe that supervisor thought that the girl was just very attached to an accessory.


Therefore, it’s the applicant’s failure to specifically ask for a religious accommodation that’s at stake here, not the specific article of clothing in question.


It’s been an interesting week for Abercrombie & Fitch: a federal judge dismissed a different lawsuit by shareholders alleging that CEO Mike “No Fatties” Jeffries has received excessive pay and travel expenses while the company’s performance has slid.


Court Finds for EEOC in Religious Discrimination Suit Against Abercrombie & Fitch [EECO]




by Laura Northrup via Consumerist

Por qué usar WordPress #infogafia #infographic #socialmedia

Hola:


Una infografía sobre Por qué usar WordPress. Vía


Un saludo


Por qué usar WordPress

Por qué usar WordPress





Archivado en: Infografía, Sociedad de la información Tagged: Blogs, Infografía, internet, tic, Web 2.0., Wordpress



from TICs y Formación http://ift.tt/1rBd66W

via Alfredo Vela Posteado por www.bscformacion.com

Online Payday Loans Cost More, Result In More Complaints Than Loans From Sketchy Storefronts

We understand why someone might opt for getting a payday loan online instead of doing it in person. It’s easier, faster, doesn’t require going to a shady-looking storefront operation where some trained fast-talking huckster might try to upsell you unnecessary add-ons or tack on illegal insurance policies. But the truth is that people who get their payday loans online often end up in a worse situation than they would have if they’d applied in person.


This is according to a new study [PDF] from the Pew Charitable Trusts on the topic of online payday loans.


For those unfamiliar with payday lending, it generally works like this: A borrower needs a relatively small amount of cash — usually a few hundred dollars — and takes out a loan with a repayment window of usually around 10-14 days. At the end of that term, the borrower is supposed to pay back the amount borrowed plus a lump-sum fee that often equates to an annual percentage rate over 100%.


WHAT’S 650% INTEREST BETWEEN FRIENDS?


According to the report, the typical storefront payday loan would charge a fee of around $55 for a $375 loan. That’s an APR of around 390%. While that’s astounding, it’s nothing compared to the $95 lump-sum fee that you’d pay for the same loan from an online; that’s an APR of more than 650%.


onlinepaydayapr


Payday loans can also be taken out as installment loans, in which the borrower pays back the principal and fees in smaller amounts over a slightly longer time period. Even then, online loans cost significantly more than storefront offerings, according to the study.


Your typical storefront installment loan will hit borrowers with an APR of around 300%, while online lenders charge upwards of 700%.


BREAKING DOWN BOUNDARIES


Of course, this will vary by lender and by state, as a number of states put limits on the maximum APRs of loans. More than a dozen states either outlaw payday lending outright or have such strict lending limits so as to make it not worth the effort for lenders.


But state laws don’t always stop online payday lenders from offering their pricey loans where they shouldn’t. This past summer, a web of online payday operations were indicted for making loans with triple-digit APRs to residents of New York, in violation of the state’s usury laws.


New York also sent cease and desist orders to dozens of online payday lenders operating from Native American reservations, saying that tribal affiliation does not give a lender the authority to break other state’s laws.


There are several apparent reasons that online payday loans cost more than storefront options. The primary driving force of the higher APRs is the higher rate of defaults and losses for online lenders. The Pew study found that the typical storefront operation needs to use about 17% of its revenue to cover losses, while 44% of what an online lender takes in goes to cover its losses.


Additionally, while storefront operations generally spend minimal money on advertising, online payday lenders spend a significant amount of cash on buying online search terms and lead generation.


SOAK, RINSE, REPEAT


With this risk, it means that online lenders have a more pressing need for borrowers who need to take out repeat loans to cover previous loans.


Even charging a 650% APR, an online lender may need a borrower to re-up his loan three times before seeing a profit.


Thus, some online lenders are pushing borrowers into loans where the only amount deducted each payday is the lender’s fee. That means the principal of the loan does not go down, and the loan is just re-upped for another couple of weeks.


One-in-three online borrowers that Pew researchers surveyed were put into a plan of this sort. And of that group, more than half had to actually call the lender to request that more than the fee be deducted.


paydaydeductions


Websites for these lenders make this sound like a borrower-friendly idea, with statements like “Online customers are automatically renewed every pay period. Just let us know when you are ready to pay in full, and we will deduct your loan plus fees from your bank account.”


If you borrow $375 with a per-term fee of $95, this lender will keep taking that $95 every two weeks until you can repay the $375 PLUS the latest $95 fee. So repaying the loan after six weeks means you would have paid $660 for a $375 loan.


DUDE, WHERE’S MY MONEY?


The Pew report also found that online lenders were twice as likely to make withdrawals that result in overdrafts for borrowers. Only about 1/4 of borrowers say this had happened to them with storefront payday lenders, while nearly 1/2 of online borrowers had experienced this problem.


“I got in a situation where people were taking money out of my account without me knowing,” says one borrower quoted in the report, “and they were taking money out, just kept taking extra money out. … I didn’t know nothing about it, but my bank stopped them. … They were like, ‘You’re having all this money coming out, and you don’t have this money in your account, so what’s going on here?’ … I had to switch banks.”


One-in-three online borrowers also reported unauthorized withdrawals from their bank accounts, while another 20% say they received a loan or payment that they did not apply for or authorize.


unauthorized


At the request of the Federal Trade Commission, a court recently shut down a network of payday lenders that was using info from payday lead generators to allegedly dole out unauthorized loans and then start helping themselves to fees from those same bank accounts.


30% of online payday borrowers say they had received at least one type of threat — whether it be the dangling sword of arrest, or claims that the borrower’s family or employer would be contacted about the debt:

paydaythreats


SO FEW LENDERS, SO MANY COMPLAINTS


Looking at this info, it may not surprise you that while online payday lenders only account for about 30% of the market, they make up nearly 90% of the payday-related complaints filed with the Better Business Bureau.


paydaycomplaints


And one single business — AMG Services — accounted for nearly 33% of all these complaints. You might remember AMG from its two-year-long legal battle with the FTC, or the fact that I dubbed it one of the scammiest payday lenders I’d ever come across.


bbbcomplaints




by Chris Morran via Consumerist

Top 10 Universidades Públicas españolas en las Redes Sociales #infografia #redessociales

Hola:


Una infografía con el Top 10 Universidades Públicas españolas en las Redes Sociales. Vía Websa100


Un saludo


Top 10 Universidades Públicas españolas en las Redes Sociales

Top 10 Universidades Públicas españolas en las Redes Sociales





Archivado en: Formación, Infografía, Redes Sociales, Sociedad de la información Tagged: formación, Infografía, internet, redes sociales, tic, Web 2.0.



from TICs y Formación http://ift.tt/1tlbauH

via Alfredo Vela Posteado por www.bscformacion.com

Uso seguro de la Banca Electrónica #infografía #infographic

Hola:


Una infografía sobre el Uso seguro de la Banca Electrónica. Vía


Un saludo


Uso seguro de la Banca Electrónica

Uso seguro de la Banca Electrónica





Archivado en: Economía, Infografía, Sociedad de la información Tagged: Economía, Infografía, internet, Seguridad, tic



from TICs y Formación http://ift.tt/1x4ek9O

via Alfredo Vela Posteado por www.bscformacion.com

La tecnología en las aulas #infografia #infographic #education

Hola:


Una infografía sobre la tecnología en las aulas. Vía


Un saludo


La tecnología en las aulas

La tecnología en las aulas





Archivado en: Formación, Infografía, Sociedad de la información, Tecnología Tagged: formación, Infografía, internet, Tecnología, tic



from TICs y Formación http://ift.tt/1vf6AAs

via Alfredo Vela Posteado por www.bscformacion.com