http://barcampbank.org/index.php?title=Special:Newpages&feed=atomBarCampBank's Wiki - New pages [en]2024-03-29T05:15:46ZFrom BarCampBank's WikiMediaWiki 1.10.1http://barcampbank.org/index.php/I_really_like_the_State_Farm_insurance_music_on_the_commercials_11975I really like the State Farm insurance music on the commercials 119752011-02-09T09:16:11Z<p>Summary: New page: [[Image:Automobile_insurance_3698.jpg|thumb|]] Difficulty: Reasonable Directions 1 Get an insurance policy license with your state. Most states ask those selling vehicle insurance policy...</p>
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<div>[[Image:Automobile_insurance_3698.jpg|thumb|]]<br />
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Difficulty: Reasonable<br />
Directions<br />
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1 Get an insurance policy license with your state. Most states ask those selling vehicle insurance policy to attend a prelicensing course and to take on a state exam. To locate from if your express has this requirement, contact your express department of insurance.<br />
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2 Utilize to some small business license. Before marketing your first auto insurance policy, you need to obtain a business license with you city. This can be secured in requesting an application out of the city organization office; typically located at the metropolis hall division.<br />
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3 Purchase insurance policy to protect your business. This will protect your money on case of a catastrophe or accident and also shield your company towards losses resulting out of lawsuits. Speak to your state department of insurance for some list regarding companies that is present this support. [http://www.demu.org/doku.php?id=auto_insurance_-_get_full_coverage_auto_insurance Automobile insurance].<br />
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4 Select which automobile insurance policies you will sell. Large insurance policy companies like like Progressive Insurance allow independent insurance agents to sell policies on their behalf. The a lot more insurance companies you obtain under one roof the far better. This will allow you to provide your clients in more choices and the greatest rates on insurance policy.<br />
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5 Market your assistances to probable clients. If you were a car insurance policy agent prior to launching your own company, contact each of your clients plus provide them with your new speak to information. Prior to calling them, have any few thoughts roughly how to save them money by switching. Also, generate a list about family , friends, associates and acquaintances and contact each individually to talk about car insurance policies.<br />
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Suggestions & Warnings<br />
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Have active in your community. In the beginning, the majority about your time should be spent networking and talking about your services. Attend community events, join your local cavity about commerce and unearth exclusive ways to talk in regard to your services.<br />
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Look at working for exclusive insurance policy agency before starting your own business. Getting on-the-job encounter previous to opening your own agency will deliver insight to dealing with customer and declares issues. Plus, you'll develop some client base that will help launch your new business.</div>BogimilusTapiahttp://barcampbank.org/index.php/Lol_smh_I_just_want_health_insurance_and_maybe_some_sick_days_69521Lol smh I just want health insurance and maybe some sick days 695212011-02-09T08:58:45Z<p>Summary: New page: [[Image:auto_insurance_910.jpg|thumb|]] User-Submitted Article Are you overpaying for [http://members.mominventors.com/members/profile/677/blog-view/automobile-insurance---how-to-purchas...</p>
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User-Submitted Article<br />
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Are you overpaying for [http://members.mominventors.com/members/profile/677/blog-view/automobile-insurance---how-to-purchase-cheap-auto-insurance-_474.html car insurance] policy? Drivers may compare car insurance policy quotes online also instantly save hundreds of dollars, without speaking to some sales rep or paying out any application fees. Here's how to buy super cheap automobile insurance...<br />
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Things You'll Want:<br />
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Internet Auto Insurance Comparison Tool (see below)<br />
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1 The first thing you want to do in buy to purchase extremely cheap car insurance is to realize your present policy. Find outside how considerably you are currently paying off a month, plus what your coverage includes. What is your deductible and other fees on the occasion you were with an accident.<br />
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2 Subsequent, you want to recognize where you stand on the auto insurance policy chance scale. If you are any male driver below the age of 25, with example, you are a bit more of a risky driver than any senior female with no accident record. Your age, gender and driving record all play any part in how very much you will pay a month.<br />
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3 Right now that is you know everywhere you endure, you may use this facts to barter a lower rate. Auto insurance policy companies want to make you sign an contract with as much money as possible. They are in business , also desire you to pay more. But in knowing your options, you may be exclusive advised consumer and requirement lower rates.<br />
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4 Nowadays you desire to compare auto insurance rates. From the past this would require making several calls plus visiting many insurance factors. Though now you may work this entirely online with about 30 seconds. Only just enter your zip code, and the Web database may instantly examine rates style the leading providers in your area. At present you have quotes from multiple firms that is you can make use of to call the corporations plus discuss even lower rate if you for instance.<br />
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5 If you like the rates you see and the amount of funds you'll conserve online, solely complete the Web application to start saving money straight away. All from all, the procedure take on about 7 minutes and can conserve you hundreds of dollars.</div>StantonOneillhttp://barcampbank.org/index.php/YOU_WOULD_COOK_FOR_HER_THEN_SLIT_HER_THROAT_AND_COLLECT_THE_INSURANCE_MONEY_77337YOU WOULD COOK FOR HER THEN SLIT HER THROAT AND COLLECT THE INSURANCE MONEY 773372011-02-09T08:48:18Z<p>Summary: New page: [[Image:Automobile_insurance_4978.jpg|thumb|]] The state of Utah requires automobile proprietors to purchase minimum amounts regarding [http://www.stanford.edu/group/coop/cgi-bin/wiki/dok...</p>
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<div>[[Image:Automobile_insurance_4978.jpg|thumb|]]<br />
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The state of Utah requires automobile proprietors to purchase minimum amounts regarding [http://www.stanford.edu/group/coop/cgi-bin/wiki/doku.php?id=keeping_drivers_safe_-_important_matter automobile insurance] policy to operate any vehicle . Insurance necessity include liability coverage plus no-fault policies. Drivers must maintain coverage throughout the entire registration interval regarding their vehicles , plus those who violate the regulation can face fines plus loss of driving privileges. The law can also apply to nonresident drivers, but it does not apply to all kinds regarding automobiles.<br />
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Vehicles Requiring Insurance<br />
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Liability Coverage<br />
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Utah involves automobile owners to purchase liability physical injury and property harm responsibility insurance policy. Liability coverage pays for the injuries or possession damage sustained by means of additional people when a policyholder is deemed by fault to one accident. Owners must carry a minimum about $25,000 in coverage to pay with injuries sustained from a one person inside a one accident and $65,000 to protect injuries sustained via many folks from some single accident. The state also requires automobile owners to pay for minimum coverage of $15,000 to pay with property damage.<br />
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No-fault Coverage<br />
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In the occasion of an accident, no-fault insurance (too referred to like exclusive injury safeguard, or PIP) can fork out for the injuries of the driver and passengers inside the insured vehicle, regardless of who causes exclusive accident. Utah requires automobile owners to carry by least $3,000 in no-fault insurance. Mainly because of the no-fault insurance requirement, the express places limitations on lawsuits stemming from vehicle accidents.<br />
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Insurance policy Corroboration<br />
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Utah necessitates drivers to carry evidence regarding insurance--such being an insurance policy policy, insurance policy declaration or insurance binder--on all times whilst operating an automobile. Utah maintains any database containing info concerning the insurance status of all registered vehicles, which regulation enforcement officials may access to determine compliance.<br />
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Penalties<br />
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In the occasion a driver or automobile owner cannot provide proof about insurance, the Division of Motor Vehicles (DMV) can postpone the registration of the uninsured automobile. Designated a Class B misdemeanor, failure to maintain required insurance can result in a $400 fine for the first violation plus $1,000 to each and every subsequent violation during the following three years. The Utah Department of Public Security (DPS) can additionally suspend the driver's license regarding any one convicted of running one automobile lacking insurance.<br />
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Reinstatement<br />
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Automobile owners who squander their automobile registration due to violation about insurance laws must pay a reinstatement fee to legally drive the vehicle. They must additionally provide proof regarding insurance policy, in the form of an insurance scheme, insurance declaration, insurance policy binder or an SR-22 form (any form issued via insurance corporations, typically after a traffic violation or accident, stating the coverage of a vehicle).</div>NellSimmons9http://barcampbank.org/index.php/Vote_on_Top_5_Reasons_to_Choose_an_Independent_Insurance_Agency_49808Vote on Top 5 Reasons to Choose an Independent Insurance Agency 498082011-02-09T08:42:57Z<p>Summary: New page: [[Image:Automobile_insurance_4393.jpg|thumb|]] Liability insurance coverage yous mandatory with Illinois. Insurance policy policies must furthermore contain uninsured motorist coverage. F...</p>
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<div>[[Image:Automobile_insurance_4393.jpg|thumb|]]<br />
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Liability insurance coverage yous mandatory with Illinois. Insurance policy policies must furthermore contain uninsured motorist coverage. Failure to comply by the liability insurance policy requirement will effect in suspension about the vehicle registration. In addition, convictions with driving a vehicle with no insurance policy can lead to goods and to suspension of the car owner's driver's license.<br />
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Compulsory Liability Insurance. [http://www.meetagamer.com/onlineautomoblieinsurance5/blog/7806 Automobile insurance].<br />
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Illinois regulation requires motor vehicle owners to pay for liability insurance policy coverage. The necessity applies to all types of vehicles that must display Illinois license plates. As about July 2009, the minimum period of liability coverage that will satisfy the needs of state law remains $20,000 for the injury or death of one person in one accident, $40,000 for the injury or death of two or more persons in an accident, also $15,000 for real estate harm.<br />
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Uninsured Motorist Coverage<br />
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Liability insurance policies issued within Illinois in addition contain uninsured motorist coverage. This coverage yous usually involved in any liability insurance policy, and require not be purchased separately. The sum of required uninsured motorist coverage is the same being the minimum cost of liability insurance coverage mandated by state law.<br />
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Proof regarding Insurance<br />
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When one owner submits a vehicle registration renewal application, his signature on the application indicates that he concurs to maintain the required insurance policy coverage throughout the registration period. Owners must take an insurance policy card, issued from the insurance provider, within their vehicles. An owner must produce the insurance card upon the request regarding a regulation enforcement officer.<br />
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Illinois uses a random questionnaire process to enforce the liability insurance policy necessitie. The express sends an insurance policy verification variety to car owners whose motor vehicle registration records were random chosen by means of a computer system. If a automobile proprietor fails to return the insurance policy verification kind, or if responsibility insurance was never inside impact on the date listed on the form, the vehicle registration will be suspended. In addition, the state will suspend a vehicle registration if a vehicle proprietor receives any traffic ticket and after that is also convicted regarding operating a automobile with no insurance. The owner's driver's license will also be suspended for three months.<br />
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Greats<br />
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As of July 2009, the minimum very good in Illinois with operating one uninsured vehicle is $500. The minimum fine with working any automobile while the registration has been suspended for lack regarding insurance is $1,000. For a first offense, the automobile registration is suspended till the owner pay out some $100 reinstatement fee plus submits evidence of insurance. A repeat offense will result in a four-month suspension. An owner who commits a third offense, or who is positioned under courtroom supervision for violating the liability insurance demands, must file proof of financial responsibility with the state for 3 long time. Failure to submit evidence of financial duty will lead to suspension of the owner's driver's license.</div>LadislausVo7http://barcampbank.org/index.php/New_Jersey_has_the_highest_insurance_rates_anywhere_great_70653New Jersey has the highest insurance rates anywhere great 706532011-02-09T07:58:39Z<p>Summary: New page: [[Image:Automobile_insurance_790.jpg|thumb|]] Automobile insurance appears by means of numerous features and endorsements that is may be added to a policy depending on what remains needed...</p>
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Automobile insurance appears by means of numerous features and endorsements that is may be added to a policy depending on what remains needed with coverage. One kind of coverage that is is available for exclusive car insurance policy policy is recognized as Gap insurance. This insurance policy remains provided to fill a gap that exists when an insurer gives the insured less for some totaled vehicle than is owed on the vehicle. The purpose of Gap insurance is to provide coverage for this discrepancy.<br />
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Coverages<br />
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When any new vehicle remains purchased it begins to depreciate in value as soon since it has been driven off of the dealer's good deal. If an accident occurs within a year of purchase, an auto insurer might pay the automobile's value less the depreciated value. This means that if the insured remains paid $5,000 less in insurance policy that what is owed from payments, Gap insurance can be used to include the difference.<br />
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Wants<br />
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Gap insurance may be purchased from anyone who has any need to obtain the coverage. Most lease understandings require persons to purchase opening insurance policy to the vehicle. Coverage may also be needed by means of individuals that is do not want to jeopardize having to pay the difference out about their own pocket if insurance doesn't cover the whole cost.<br />
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Obtaining Coverage<br />
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Gap coverage can be obtained on an [http://analyticsindia.com/blogs.php?article_id=aaaa93a3b0b7ae97889e8d8b7d6b5f7aaebdbda182a6b2aab29c automobile insurance] policy on many ways. Most large automobile insurance policy carriers deliver exclusive option to pay for gap insurance policy coverage. Numerous insurance policy carriers may even include gap coverage automatically on certain types of policies such as commercial auto policies. Exclusive endorsement can likewise be employed to add Opening insurance coverage to one existing vehicle insurance scheme.<br />
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Costs<br />
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The cost regarding Gap insurance may vary depending on the insurance carrier plus how the coverage has been applied to a policy. Generally, adding Gap insurance coverage to exclusive existing policy will add about $50 to the total cost of an automobile insurance policy.<br />
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Types of Policies</div>GeorginaDooleyhttp://barcampbank.org/index.php/Paying_for_health_insurance_doesn_t_give_you_a_license_to_practice_medicine_5526Paying for health insurance doesn t give you a license to practice medicine 55262011-02-09T07:24:33Z<p>Summary: New page: [[Image:Automobile_insurance_1038.jpg|thumb|]] While you obtain an auto insurance policy, you are really buying numerous different insurance policy plans rolled in a single. Various of th...</p>
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While you obtain an auto insurance policy, you are really buying numerous different insurance policy plans rolled in a single. Various of these elements may be needed from regulation , whilst additionals may be elected but may price tag additional. When deciding which options to pay for, you need to keep in mind the express minimums, how much you can afford to pay out of pocket and how very much the insurance policy policies will cost.<br />
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Liability Coverage<br />
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Auto liability coverage has 2 components: bodily injury responsibility, which protects you in the event that you cause damage to someone while driving your automobile , and property damage liability, which protects you in the event that you damage someone's possession while driving your car. Bodily injury insures injuries you may lead to to a individual in another vehicle or to pedestrians, though it does not include injuries that is you support or people with your automobile maintain since a result regarding an accident. This kind regarding coverage is needed from most states, nevertheless the periods you are needed to get vary. When considering how considerably liability coverage to get, you should retain from mind that if the damage you bring about surpass your liability, you need to shell out that amount outside regarding pocket, even if it means marketing your property to deal with the costs.<br />
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Comprehensive Insurance policy<br />
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All-embracing insurance policy includes injury to your car not caused via other vehicle. With example, if your automobile was stolen, vandalized or damaged through animals or a falling tree, comprehensive insurance would kick in. However, if you collided with a dear or ran away the street and hit any tree, the accident would be deemed a collision and would not be protected by comprehensive insurance. All-embracing insurance policy has some deductible, which yous the amount that you should fork out before the insurance kicks in. For example, if you had a $500 deductible and vandals caused $1,500 valued at of damage, the insurance business would only fork out $1,000. [http://creative-geni.us/accindntawar/weblog/1167.html Automobile insurance].<br />
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Collision Insurance<br />
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Collision insurance covers damage to your vehicle caused by an accident these kinds of as hitting extra car or hitting a tree. Collision insurance also has a deductible amount just like comprehensive coverage. The lower the deductible amount, the better your premium, or cost of insurance, will be.<br />
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If you get into an accident that is deemed to be the additional party's fault, his insurance or estate will be responsible to paying damages to you. However, if the individual is not protected or does not get enough coverage, he may well never be able to make those payments that you are entitled to. If you pay for uninsured motorist coverage, your insurance business will pay to cover all or part--depending on the way much coverage you purchase--regarding the amount he fails to pay to you.<br />
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Personal Injury Safety<br />
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According to Allstate, personal injury protection yous only accessible in certain areas. This insurance reimburses you for medical costs, lost earnings also other expenses that you may possibly incur as a result of any accident. The quantity of the reimbursement depends on the period about coverage that you purchase.</div>OrvalGaston5http://barcampbank.org/index.php/If_i_ever_get_insurance_again_I_ll_be_asking_for_a_biopsy_of_the_tissue_36465If i ever get insurance again I ll be asking for a biopsy of the tissue 364652011-02-09T06:41:35Z<p>Summary: New page: [[Image:auto_insurance_2749.jpg|thumb|]] Connecticut's insurance laws shelter motorists. Connecticut regulation spells out precisely what is required of motorists who live with the expre...</p>
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Connecticut's insurance laws shelter motorists.<br />
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Connecticut regulation spells out precisely what is required of motorists who live with the express. The state's car insurance laws are designed to secure motorists from possibilities involvement in exclusive accident with an uninsured motorist. As such, the laws have heavy effects for drivers who fail to maintain correct car insurance coverage.<br />
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Connecticut express law requires all registered motor vehicles to have insurance. A registered vehicle is one that can be operated on a public highway. If the vehicle is not registered, it cannot be driven on public roads, also insurance is never required. If somebody for a registered vehicle wishes to terminate [http://www.mind.sist.chukyo-u.ac.jp/~yyuu/rem/hiki.cgi?Automobile+Insurance+-Enjoy+Driving+and+Get+Auto+I vehicle insurance] policy on the automobile, the person should return the automobile plates to the Department of Car Automobiles and request that the plates be canceled or positioned on hold. If the vehicle will never be driven for any significant span of spare time, the automobile proprietor has the option of reducing insurance policy coverage to absolutely comprehensive coverage. Proof about insurance is required at the free time a automobile is registered, when the DMV at random selects you to check your coverage and when a previous insurer records to the DMV that any policy was canceled. Appropriate evidence of insurance can be a declaration regarding insurance page or some valid insurance policy card. Transient ID cards do not meet the qualification with proof of insurance.<br />
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Coverage Minimums<br />
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Connecticut law requires drivers to purchase with least minimum amounts of liability and uninsured or under-insured motorist coverage. By regulation, the minimum for responsibility coverage remains $20,000 each person and $40,000 per accident. The express also requires $10,000 of property damage liability coverage. Uninsured motorist coverage asks at least $20,000 per individual and $40,000 each accident. Collision coverage is required in regulation. Connecticut as well is a tort state, which means the driver in fault with exclusive auto accident remains obligated to pay out for the victim's medical expenses.<br />
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Enforcement<br />
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Connecticut state regulation demands insurance companies to report records of all canceled insurance policy policies. Automobiles in violation of the express's insurance laws are reported to the DMV for administrative action. This action takes the kind of a warning letter, which the DMV mails to anybody whose insurance policy has been dropped or has lapsed. If the owner of the car acquires insurance, the penalty is a $200 good. If the owner fails to comply, a suspension notice remains mailed. The vehicle owner can request a hearing. At that hearing, the DMV director will establish whether the vehicle owner's driving rights also car registration will be suspended. If the automobile proprietor does not prevail in the hearing process, he also wastes the capacity to renew or register any motor vehicle. If any law enforcement officer determines that somebody is driving an uninsured vehicle, she can confiscate the vehicle plates. That would take the vehicle owner to give insurance policy coverage, pay a $200 for the lapse within insurance policy and in that case pay a $50 fine for a new registration.</div>TinaLacy1http://barcampbank.org/index.php/Car_collisions_with_people_who_have_no_insurance_are_no_fun_74988Car collisions with people who have no insurance are no fun 749882011-02-09T06:20:53Z<p>Summary: New page: [[Image:Automobile_insurance_2673.jpg|thumb|]] Drivers pay for vehicle insurance policy by the assumption that, if something must happen to the car, the insurance policy organization will...</p>
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Drivers pay for vehicle insurance policy by the assumption that, if something must happen to the car, the insurance policy organization will assist it pay for it. Unfortunately, there are plenty of scenarios that is aren't covered with typical car insurance that is could result in big repair costs that come directly outside of your pocket. Unique way to prevent this is by purchasing full coverage automobile insurance.<br />
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Identification<br />
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Whole coverage car insurance yous an additional type of vehicle coverage that is is used within conjunction with conventional insurance. While regular insurance policy insures damage to a vehicle that results from moving collisions (as well since vehicle theft), total coverage insurance policy covers quite much all else that might bring about damage to a car. As similar, the main benefit about full coverage insurance policy remains that you are a lot more likely to be covered when filing an insurance policy claim for damage caused to your vehicle.<br />
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Function<br />
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Whilst the term advocates that drivers will be fully protected no subject what the circumstances, this is not really correct. Individual complete coverage policies may differ, but they incline to cover non-collision car damage caused by means of fire, flood, forces regarding nature (hail, ice also snow), animals , vandalism also "Acts of God," these kinds of like a tree falling on a car.<br />
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Added Benefits<br />
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Another benefit of full coverage vehicle insurance yous compensation for items stolen out of within the vehicle. Under traditional auto insurance, goods stolen from your car are not insured. Total coverage plans allow drivers to insure their belongings awake to any given amount. To example, a full coverage strategy together with $10,000 theft coverage will fork out the whole fair market value of belongings stolen, increase to $10,000.<br />
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Considerations. [http://specialistitsupport.com/blog/comments/78.html Automobile insurance].<br />
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Expert Insight<br />
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Full coverage vehicle insurance remains most useful for people who own a new or expensive vehicle. This is because the driver faces substantially higher repair costs should damage occur to the vehicle. It should also be noted finance companies that lease or finance vehicles may require the driver to take full coverage insurance.</div>LauraMcgrath7http://barcampbank.org/index.php/I_really_like_the_State_Farm_insurance_music_on_the_commercials_70476I really like the State Farm insurance music on the commercials 704762011-02-09T06:18:28Z<p>Summary: New page: [[Image:Automobile_insurance_3715.jpg|thumb|]] Insurance laws in Florida are designed to protect drivers. [http://tonchiku.archi.tohoku.ac.jp/groups/ad-b2/wiki/bfeec/Richard_Paton_-_The_S...</p>
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Insurance laws in Florida are designed to protect drivers. [http://tonchiku.archi.tohoku.ac.jp/groups/ad-b2/wiki/bfeec/Richard_Paton_-_The_Super_Awesome_Manager.html Automobile insurance] policy.<br />
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Florida's car insurance policy laws feature numerous exclusive characteristics. For example, Florida yous one regarding only 12 states that has no-fault insurance laws. The most recent regulation , which was passed in 2008, does away with many suits ensuing away from auto crashes. Florida in addition has some harsh method of ensuring that drivers make never allow their auto insurance to lapse. Failing to meet auto insurance obligations in Florida can have severe effects, including the suspension of a driver's license.<br />
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In Florida, each person driving a registered vehicle is required to carry by least the state minimum with car insurance policy. Every driver's insurance policy policy must provide $10,000 of liability bodily injury coverage for one individual and $20,000 of liability bodily injury coverage for two or more folks. The state also needs insurance policies to include a $10,000 liability coverage for property damage. Anyone driving some hire car in Florida is also required to meet the minimum coverage laws for auto insurance. Often, this insurance can be purchased based on a daily rate from the hire company. Inside other cases, some credit card used to rent the vehicle or a driver's own auto insurance scheme covers the utilize of the rental vehicle.<br />
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Financial Duty Law<br />
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You should supply the Department of Highway Safety and Engine Vehicles with proof of auto insurance policy within order to obtain registration for a vehicle from the express, and the express requires insurance policy companies to notify the DMV when insurance lapses or is dropped. The U.S. Department regarding Highway Safety plus Motor Automobiles can suspend driving privileges of drivers who conduct not produce proof of insurance policy after being notified that is insurance has lapsed. The vehicle's plate and registration also yous suspended, and reinstatement of a driver's license in Florida demands some charge of $150. You must produce evidence of insurance prior to you can apply to reinstatement.<br />
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No-Fault Coverage<br />
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Florida entails all drivers to take Special Injury Protection insurance policy. Florida is any no-fault state. This means Florida drivers complete not need to prove the additional party was in fault in a crash prior to some driver can receive insurance funds to fork out for medical bills plus other costs associated through the crash. The other party's insurance automatically covers similar expenses. With Florida, though, people who are hurt in any crash are not permitted to sue to pain and suffering or emotional distress. The no-fault coverage requirement from Florida is $10,000 per person. This covers the other driver. PIP coverage spends 80 regarding medical bills and 60 percent of lost wages.<br />
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Considerations<br />
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Inside Florida, all policies should be issued through a firm licensed to sell insurance policy in the state. Drivers additionally cannot keep on to use some policy that was purchased while the driver was a resident of extra state. Florida drivers are not obliged to purchase coverage to secure towards uninsured or underinsured motorists. State law, though, does require insurance policy companies to offer this insurance. From accordance in Florida laws, personal credit history may be applied as some determining factor insurance companies use to place rates also coverage offered to residents in the state.</div>FannieMontoyahttp://barcampbank.org/index.php/How_can_govt_demand_all_carry_auto_insurance_but_NOT_health_insurance_54190How can govt demand all carry auto insurance but NOT health insurance 541902011-02-09T02:15:06Z<p>Summary: New page: [[Image:auto_insurance_1407.jpg|thumb|]] AAA insurance afford members the two-fold benefit about car coverage and crisis roadside support. But you may never be aware regarding the fact th...</p>
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AAA insurance afford members the two-fold benefit about car coverage and crisis roadside support. But you may never be aware regarding the fact that is AAA members are also able of saving money, by shopping with AAA discount assistance providers. Sell clothing stores, rental car agencies, automotive assistance centers, hotels, museums, restaurants, amusement parks and movie theaters are several kinds of businesses included inside the AAA discount provider program. The discount savings obtainable range from 10 to 30 percent. [http://www.jka.jp/hiki/cgi-bin/LinguaLatina/?Keeping+Drivers+Safe+-+The+Ups+And+DownsKeeping+Dr auto insurance] policy.<br />
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Difficulty: Moderately Easy<br />
Instructions<br />
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Things You'll Need:<br />
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Automobile Club Member Savings Guide<br />
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AAA Tour Publication<br />
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E-mail account or i-Telephone<br />
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AAA membership card<br />
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Photo identification<br />
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1 Create a list of locations wherever you regularly devote money.<br />
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Take into account your current spending habits, thinking specifically roughly the type of enterprises you often patronize. With instance, favorite restaurants, retail stores, hotels, movie theaters, amusement parks also museums. Create a actual, or psychological list of these establishments. As well contain places wherever you maintain always wanted to shop, but previously believed you could not afford.<br />
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Make use of the "AAA TourBook" with your state, any "AAA Member Savings Guide" or visit internet site, to discover if each establishments you frequent, are current AAA discount providers. Look to the specific names regarding stores, hotels, restaurants, movie theater and amusement parks placed on your list, to learn your possible to conserve cash, on all upcoming purchases.<br />
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3 Sign up for deduction alerts and information.<br />
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Sign increase for e-mail alerts, at web site. E-mail alerts will supply information on existing opportunities for savings in deduction providers in your specific location. Or if you obtain any iPhone plus favor, you can download some free application from the web site, that is will send the same info directly to your iPhone.<br />
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4 Go shopping, and take pleasure in your savings!<br />
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Tips & Warnings<br />
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AAA Member Guides provide greater possibility with bank account, with reduced time coupons and adverts for additional seasonal discount offerings.<br />
<br />
Confirm that the names shown on your AAA membership card plus your current state issued, photo identification complement. AAA discount providers may reject a member some discount if they can not verify that is you are the person named on the AAA card (the real member).</div>HannahGomes2http://barcampbank.org/index.php/Small_Business_Auto_Insurance_Insuring_Your_Business_Assets_51774Small Business Auto Insurance Insuring Your Business Assets 517742011-02-09T01:34:20Z<p>Summary: New page: [[Image:auto_insurance_3489.jpg|thumb|]] Car insurance yous mandatory in New Jersey. The state in addition has hers own set of specified laws that may produce shopping to [http://deldoc.c...</p>
<hr />
<div>[[Image:auto_insurance_3489.jpg|thumb|]]<br />
<br />
Car insurance yous mandatory in New Jersey. The state in addition has hers own set of specified laws that may produce shopping to [http://deldoc.com/groups/newpolicy/weblog/e162d/Auto_Insurance_Education_Give_You_Ideas_For_Auto_Insurance.html auto insurance] quotes harder than shopping for quotes in other states. There are many web site which offer online quotation services that compile a list of quotes from various insurance companies but according to Edmunds (one online resource to automotive customer facts), "if you stay in New jersey, for instance, you'll likely find it faster to pick upward the phone, considering most insurers now don't afford Web quotes for this state." You can even so shop with insurance quotes well on the state of New Jersey.<br />
<br />
Difficulty: Moderately Easy<br />
Instructions<br />
<br />
1 Determine the types of insurance coverage you want. Choose out of the minimum volume allowed by NJ law--the automobile insurance cost reduction behave mandated that some simple policy be available to all drivers--to any normal policy through includes all choices also high limits. Make a list of the specific kinds regarding coverage for which you are purchasing.<br />
<br />
2 Compile a list of companies which offer auto insurance within NJ (see Resources). Some insurance companies are well-liked ones like Geico and Allstate nonetheless some are particular to the state of New Jersey such whereas NJ Makers Team. Some corporations will deal online quotes and others will produce you call plus speak with an factor. Generate a record of all the contact information and phone them up 1 by one to shop with quotes.<br />
<br />
3 Select the top three minimum costly New Jersey auto insurance policy quotes with your vehicle and search the Internet with evaluates of these companies. Call the insurance organization that is boasts the best reviews. Ask if there are every deductions which may be extra to the quote. Now and then participating in a safe and sound driver course or having anti-lock brakes may create discounts on your quote.<br />
<br />
4 Purchase your New Jersey automobile insurance over the phone or online if allowed. Ideally, you have located the least expensive auto insurance from the company that has the greatest reviews. Inquire if using a payment plan will increase the price of the quote.<br />
<br />
Longer payment plans normally incorporate fees.</div>LinaMata2http://barcampbank.org/index.php/Did_i_say_healthcare_i_meant_auto_insurance_l_56758Did i say healthcare i meant auto insurance l 567582011-02-09T00:24:27Z<p>Summary: New page: [[Image:auto_insurance_3258.jpg|thumb|]] You contain been concerned inside a auto accident. This yous the initial period. You are in shock. You reach for your cell phone, wanting to call ...</p>
<hr />
<div>[[Image:auto_insurance_3258.jpg|thumb|]]<br />
<br />
You contain been concerned inside a auto accident. This yous the initial period. You are in shock. You reach for your cell phone, wanting to call up someone to aid, but don't know who to call. You don't know what to do. This article walks you through what to do in the event you are in one accident plus what your rights are in the insurance companies.<br />
<br />
Gather information. If the collision was more than $500 worth of harm to any one vehicle , the police must be called. A police statement will be written upward, listing the parties involved, their contact info and insurance info. The responsible driver will likely pick up cited. The facts of how the collision occurred will also be recorded.<br />
<br />
Report the declare to a third party<br />
<br />
Without delay report the accident to the responsible driver's insurance business. This organization is referred to as the "third party." The insurance policy adjuster will be very pleasant along with you, hoping you will you divulge each and all facts and admissions that might compromise your declare. Do not play her game. Merely state that is you were hit and injured if you were. You should then seek the recommendation of a lawyer at any free consultation for further steering on your circumstance. If the 3rd party admits responsibility, they will send out some field examiner to image your damaged car also do a vehicle restore estimate.<br />
<br />
Report the claim to initial party<br />
<br />
Call your insurance corporation and open up up some Particular Injury Protection (PIP) claim if you maintain this coverage on your car. PIP is no-fault coverage. In Washington state, the available limits are either $10,000 or $35,000. PIP will fork out for your medical bills, lost wages plus additional expenses, regardless regarding who caused the accident. PIP owes you a duty regarding very good faith plus fair dealing. PIP will inquire you to sign a medical release, authorizing it to collect your records and bills. It should timely process all medical bills to treatment that was reasonable, necessary also related to the accident. The PIP adjuster will potential ask for your recorded statement--give some detailed just one. The adjuster may also send someone out to picture your damaged vehicle.<br />
<br />
What to do with an uninsured driver<br />
<br />
Save yourself out of uninsured drivers. If you purchased uninsured motorist (UM) coverage on your vehicle and the other driver was uninsured, then you should promptly open up up any UM declare. The UM adjuster should be separate from the PIP adjuster, so you ensure fair dealing and proper handling of your declares.<br />
<br />
Great faith<br />
<br />
Your [http://myerasmus.org/wiki/Automobile_Insurance_-_All_People_Get vehicle insurance] firm must uphold your finest attention. If it yous unreasonably denying, defending or delaying your declare, you should consider filing a complaint with your express's office of the insurance commissioner.</div>QueenHuerta9http://barcampbank.org/index.php/Just_added_Katie_to_my_automobile_insurance_policy_Ow_38507Just added Katie to my automobile insurance policy Ow 385072011-02-08T22:26:28Z<p>Summary: New page: [[Image:automobile_insurance_5351.jpg|thumb|]] It is important to become familiar together with what your car insurance policy covers plus does not cover. This knowledge must preferably b...</p>
<hr />
<div>[[Image:automobile_insurance_5351.jpg|thumb|]]<br />
<br />
It is important to become familiar together with what your car insurance policy covers plus does not cover. This knowledge must preferably be cemented previous to you require to employ the policy advantages. If you wait till you are in an accident to read through your automobile insurance policy, you may well discover that you don't have the coverage you need. Having the necessary coverage will make certain that is damage to other person's property is protected, as well because harm to your own vehicle .<br />
<br />
Difficulty: Easy<br />
Instructions<br />
<br />
1 Locate the "Liability" section regarding your auto insurance policy. The liability area tells you the maximum amount your policy will pay if your automobile causes bodily injury or harm to another person's property. For example, if your liability coverage is 10/20/10, it means that is your policy will pay a maximum of $10,000 to a person's physical injuries, any maximum of $20,000 for all injuries combined and a utmost about $10,000 for damage to possession. Most states require you to have a specific amount about liability coverage. If the liability amount that is on your scheme remains reduced than your state's minimum requirements, contact your insurance corporation to increase liability coverage.<br />
<br />
2 Read the "Uninsured/Underinsured Motorists" section of your car insurance policy scheme. This section will let you know the way in which much your policy will pay if you are hit by someone who does never include [http://luvtechno.net/h/?Automobile+Insurance+-+Cares+Your+Car automobile insurance] or does not have enough coverage to fix your damaged automobile.<br />
<br />
3 Look at the "PIP (Exclusive Injury Protection)" area of your car insurance scheme. This section of the policy informs you the maximum amount your scheme will fork out you if you are hurt in a car accident. PIP includes medical expenses caused by way of the accident since well because lost wages.<br />
<br />
5 Locate the "Thorough Coverage" section of your car insurance policy policy. This area will let you know the maximum amount your insurance business will fork out if your vehicle is damaged due to reasons other than an accident. To example, fire damage, flood damage, theft and vandalism. If you don't include all-embracing coverage, it is wise to pick up it, especially if your automobile has some value.<br />
<br />
Tips & Cautions<br />
<br />
If you need exclusive expensive vehicle, you want to make certainly that your Uninsured Motorists coverage is sufficient to pay for your car if it is totaled in an accident. If you obtain any old vehicle that is not valued at much, you must determine whether or never the better premiums are valued at it.</div>MillardWilliamhttp://barcampbank.org/index.php/Transfer_Out_FeesTransfer Out Fees2010-10-28T16:49:04Z<p>Summary: </p>
<hr />
<div>Comparison of transfer-out fees of US-based investment firms:<br />
* Bank of America: $ 75<br />
* Charles Schwab: $ 50<br />
* E*Trade: $ 60<br />
* Fidelity: $ 50<br />
* Firstrade: $ 50<br />
* Just2Trade: $ 75<br />
* Merrill Lynch: $ 75-100? (affiliated with BofA)<br />
* [http://awurl.com/MCp4dsYNw Morgan Stanley: $95]<br />
* Muriel Siebert: $ 50 (retirement accounts only)<br />
* OptionsXpress: $ 50<br />
* Scottrade: $ 0<br />
* Sharebuilder: $ 75 (full) $15 per security (partial)<br />
* SogoTrade: $ 50 or 75?<br />
* TD Ameritrade: $ 75 <br />
* Tiaa-Cref: $ 0<br />
* TradeKing: $ 50<br />
* WallStreet*E: $150<br />
* WellsTrade: $ 95<br />
* Zecco Trading: $ 50 or 60?<br />
<br />
Firstrade, Scottrade, Sogo Trade and possibly WellsTrade all have an incentive to switch to them: reimbursement up to $100 of transfer-out fee when transferring at least $25k to them.</div>Bankhippyhttp://barcampbank.org/index.php/Online_BankingOnline Banking2010-10-28T16:35:09Z<p>Summary: /* Remote Deposit */</p>
<hr />
<div>==Security==<br />
Only two banks in the world currently support PGP:<br />
<br />
*[https://www.1822direkt.com/1822central/ 1822 Direkt] (Germany) -- Customers receive their bank statements via email, PGP encrypted. However, the bank does not offer a means for customers to send PGP encrypted email to them.<br />
*[http://www.privatbank.lv/en/support/pgp/ PrivatBank] (Latvia)<br />
==Remote Deposit==<br />
Article is [http://money.shoutwiki.com/wiki/Remote_Deposit on this remote wiki page] because Barcampbank does not have the needed MediaWiki extensions.</div>Bankhippyhttp://barcampbank.org/index.php/Main_Street_BankingMain Street Banking2010-10-28T15:55:46Z<p>Summary: </p>
<hr />
<div>==Belgium==<br />
*[http://money.shoutwiki.com/wiki/Belgian_Bank_Comparison Comparison of Belgian consumer banks]<br />
<br />
==United States==<br />
*[[Transfer_Out_Fees | Comparison of transfer-out fees for consumer investment providers]]</div>Bankhippyhttp://barcampbank.org/index.php/KivaFranceConceptsKivaFranceConcepts2010-04-03T12:52:05Z<p>Summary: </p>
<hr />
<div>cible : bobo, étudiants <br />
<br />
reasons to believe :<br />
<br />
- c'est quoi <br />
- ça marche<br />
- comment en francophonie : call to action<br />
<br />
Kiva est 1er site mondial de Microfinance.<br />
<br />
+130 M$ de prêts accordés à +700.000 micro-entrepreneurs dans les pays en voie de développement<br />
<br />
ça marche "citation IMF"<br />
<br />
Une communauté de 500.000 prêteurs.<br />
Un effet d'accéleration "boule de neige" 90% des prêteurs reprêtent et 80% remettent de l'argent.<br />
<br />
Mobilisez votre argent<br />
Prêtez une fois et aidez 5 en entrepreneurs en moyenne</div>FredericBaudhttp://barcampbank.org/index.php/BankfitBankfit2009-05-07T18:10:02Z<p>Summary: Replacing page with 'Bankfit is a popular blog written by Prashanth Bhat on technology trends in banking and financial industry.
Bankfit[http://bankfit.blogspot.com ]'</p>
<hr />
<div>Bankfit is a popular blog written by Prashanth Bhat on technology trends in banking and financial industry.<br />
<br />
Bankfit[http://bankfit.blogspot.com ]</div>Ideascrackhttp://barcampbank.org/index.php/Recovering_Delete_Data_From_NovellRecovering Delete Data From Novell2008-05-04T14:58:39Z<p>Summary: New page: Recovering Deleted/Lost/Missing Data From Novell Servers This paper discusses data loss from Novell server disks along with methods to recover and restore the lost data. Effective reco...</p>
<hr />
<div> <br />
Recovering Deleted/Lost/Missing Data From Novell Servers<br />
This paper discusses data loss from Novell server disks along with methods to recover and restore the lost data. <br />
Effective recovery of lost data requires an understanding of data management techniques used by NetWare …quot; this includes understanding NetWare file systems and NetWare volume types. Basic awareness about various data loss scenarios along with NetWare's built-in defense mechanisms against data loss is also required. <br />
In instances of data loss, it is recommended that the affected server disk not be used further and be immediately disconnected…quot; the correct way to recover data from failed disks is to connect these disks to healthy working disks and initiate the recovery process from the healthy disks. Thorough knowledge on the connection of such disks is a must during a recovery process. <br />
Finally, robust data recovery software is needed to ensure complete and effective recovery. <br />
This document is a discussion on all of the above. A generic description about the working of data recovery software is also outlined, followed by a short case study (using Stellar Phoenix Novell) to help users better understand the recovery process. This document assumes that the reader has little or no knowledge of data recovery and only very basic knowledge of Operating Systems, hard disks and NetWare. <br />
Table of Contents <br />
Data Management in Novell NetWare <br />
1.1 NetWare server disks and file systems <br />
1.2 NetWare Volume types <br />
1.3 How data gets lost <br />
1.4 Data recovery methods provided by NetWare & its limitations <br />
Setting up the hardware (for a recovery process) <br />
2.1 Basic Do's and Don'ts <br />
2.2 Connecting IDE disks <br />
2.3 Connecting SCSI disks <br />
2.4 Finishing up <br />
Using data recovery software (Stellar Phoenix Novell) <br />
3.1 How data recovery software work <br />
3.2 Case Study …quot; Using Stellar Phoenix Novell to recover data <br />
3.2.1. How to recover deleted files <br />
3.2.2. How to recover missing/lost NetWare partitions <br />
3.2.3. How to recover compressed volumes <br />
Conclusion <br />
<br />
1. Data Management in Novell NetWare<br />
1.1 NetWare server disks and File Systems <br />
A NetWare server disk consists of 2 basic partitions. The first is a small MS-DOS partition used to boot the computer and then load the NetWare OS. The second partition contains the NetWare OS files. <br />
<br />
Fig: Structure of NetWare server disk <br />
The NetWare partition (shown in blue in the figure above) consists of 2 basic divisions: a Hot Fix Redirection Area and a Data Area. <br />
The Hot Fix Redirection Area contains sectors which act as substitutes for bad sectors on the hard disk. Before writing data to the disk, NetWare verifies whether the target sectors are in good condition …quot; if they are not, the data is redirected to the sectors in the Hot Fix Area. The Hot Fix Area typically comprises 0.2 - 2% (user-specified) of the disk space. This area consists of two parts: one being a table which maps bad sectors in the data area to corresponding sectors in the Hot Fix Area, and the other comprising the actual sectors which act as substitutes for bad sectors. <br />
<br />
Fig: Structure of a NetWare Partition and its Hot Fix Redirection Area <br />
The Data Area consists of a Volume Table (which contains detailed information of the volumes such as name, size, block size, segmentation, and other details) and one or more logical Volumes. The first volume in any NetWare partition is the SYS Volume. Shown below is the Volume distribution in a typical server disk: <br />
<br />
Fig: Distribution of Volumes on a server disk <br />
The methods and data structures used to organize files on a Volume are known as its File System. NetWare file systems have evolved over time with NetWare 2.x using NWFS 286, NetWare 3.x and 4.x using NWFS 386, while NetWare 5.x and later uses the NSS (Novell Storage Services) file system. <br />
NWFS <br />
NWFS can be thought of as a modified FAT (MS-DOS/Windows) file system. It used to come in both 16-bit (NWFS 286) and 32-bit (NWFS 386) versions, and has now been superseded by the 64-bit NSS (Novell Storage Services) file system. <br />
NetWare 4.x and earlier had volumes formatted to the NWFS file system which is similar to Microsoft's FAT 32 file system. Distributed across a NetWare Volume are certain blocks which contain 2 important data structures that manage files and directories …quot; these are DET (Directory Entry Table) and FAT (File Allocation Table). This is similar to the Directory Table and File Allocation Table used in Microsoft's FAT file system. <br />
The DET contains a list of all files and directories in the volume including details such as name, size, attributes, and so on. The FAT is a table that contains information about where on the Volume various files are stored, which blocks they occupy, and so on …quot; all files can be located using the FAT. 2 copies each of the DET and FAT are maintained (for the sake of redundancy). The DET and FAT blocks are distributed throughout the Volume. <br />
<br />
Fig: Structure of a NetWare Volume <br />
In NWFS, the Directory entries are recorded in a Table, and the File Allocation entries are maintained using Linked Lists. <br />
NSS <br />
Unlike NWFS (which manages data using the DET and FAT), NSS is a Journaling file system. This means that any change made to a file, instead of being directly updated to the DET and FAT as in NWFS, is first logged in a journal before the actual change is made. Only the files metadata (data about the file such as name, size, location, and so on) is logged and not the actual file data. Therefore, if the disk crashes while some write processes are running, the OS knows which processes to redo on rebooting. <br />
All structured data on a Volume formatted to NSS is organized using the B-Tree (Balanced Tree) algorithm. The B-Tree is a tree data structure and is very efficient for use in file systems and databases. Two of the B-Trees found in NSS are the Name Tree B-Tree which manages a Volume's directory structure (analogous to the DET in NWFS) and the Beast B-Tree which manages all file's metadata (analogous to the FAT in NWFS). <br />
A B-Tree is very efficient with insertions and deletions which is why it is used in file systems and data bases <br />
NSS v/s NWFS with respect to Data Safety and Protection <br />
NSS is far superior to NWFS when it comes to data safety and protection <br />
NSS NWFS <br />
Error Correction Presence of journal simplifies error correction/recovery Entire volume must be scanned (VREPAIR) to determine errors <br />
File Snapshot Backup of open files No such support available <br />
Pool Snapshot Backup of block in current state No such support available <br />
RAID Support Supports RAID 0,1,5,10,15 Supports RAID 0,1,10 <br />
Data Shredding<br />
(Data Erasure) Permanent data removal <br />
(overwriting over 7 passes) No such support available <br />
1.2 NetWare Volume Types <br />
Data storage in Novell servers can be optimized using configurations such as Compressed Volumes, Sub-allocated Volumes, and Segmented Volumes. Data recovery software usually recovers data in its raw form, as they appear on the disk, disregarding any of the above configurations they may be in. Thus, the recovery of such data back to its original form presents a problem. Before we look at how such configurations can be retained even after recovery, let us first understand how data is arranged in such volumes. <br />
Compressed Volumes <br />
Data Compression refers to the process of storing data in a format that requires less space than usual. Compressing data is the same as packing data …quot; reducing the amount of electronic 'space' data takes up, and compressed data usually consumes 2 to 4 times fewer bits. Typically, it is infrequently used data which is automatically compressed to save space.<br />
Methods of compressing data include replacing multiple blank spaces with a character count, or replacing redundant data with shorter stand-in 'codes'. <br />
Volumes can be compressed in NSS using the console command: <br />
nss /Compression=(Volume Name) OR nss /Compression=all <br />
Volume compression statistics can be viewed using the command: <br />
CompScreen <br />
Note: Volume compression is an irreversible process. <br />
A listing of all Novell compression capabilities is available at: http://www.novell.com/documentation/nw65/index.html page=/documentation/nw65/nss_enu/data/bpwtq9o.html <br />
Sub-allocated Volumes <br />
Sub-allocated volumes are a new feature and have been implemented in NetWare 4.x to overcome the problem of wasted disk space. These volumes are different from regular Novell volumes because they are more of a 'virtual' volume …quot; one that is not 'visible', but exists nevertheless. <br />
Sub-allocation refers to multiple file-endings sharing disk blocks. The data in a file is stored in the hard disk in multiple blocks, each block being a collection of sectors of standard size. There are, almost always, some unutilized sectors at the end of a file. These 'under-allocated' sectors of different files are combined together to form a separate 'virtual' volume. <br />
For Example: Say, a volume stores data in blocks of 4 sectors, each sector having size = 512 bytes. Now, if there is a file containing 520 bytes of data, the first sector is entirely occupied and the remaining 8 bytes go into the second sector. This leaves 2 entire sectors unused. These unutilized sectors of different files are combined together to form a separate sub-allocated volume, thus saving space and optimizing data storage. <br />
<br />
Fig: Space optimization using Sub-allocated volumes <br />
The sub-allocated volume is virtual - it does not show up as a separate logical volume. It is internally used by the Operating System (NetWare 4.x) to optimize disk space utilization. <br />
Sub-allocation was a useful feature in NWFS which uses 64K blocks. NSS, which uses 4K blocks, do not have much use for sub-allocation. <br />
Segmented Volumes <br />
Segmented volumes refer to volumes which have had their size increased by taking disk space from another area. This space is usually taken from another disk, resulting in the Volume existing in 'segments' across different disks, and hence the name segmented volumes. Segmented volumes add flexibility and are particularly useful in cases of important volumes needing additional disk space. A volume may be spanned across as many as 32 hard disks. <br />
<br />
Fig: Volume X is a segmented volume spanned across 3 hard disks <br />
For Example: Say, a disk consists of 2 volumes, one of which is almost full up and needs additional space. NetWare uses a feature using which disk space, usually from a separate disk, can be added to an existing volume. <br />
While Segmented Volumes do make for increased volume size, the downside is that the volume gets fragmented. <br />
1.3 How data gets lost <br />
Data loss can be just a click away and usually occurs when least expected. Some of the leading causes of data loss: <br />
<br />
(Source: www.protect-data.com/information/statistics.html) <br />
The biggest factor leading to data loss is hardware malfunction. Hard disks are mechanical devices and therefore fall victim to wear and tear …quot; estimates put the average life of a hard disk at 3 years and it's easy to see why - picture a series of disk platters rotating at 10,000 times per minute (over a 150 times a second!) with disk heads moving over them, separated at submicron distances. The margin for error, for mechanical movements inside the disk, is minimal. Even slight vibrations can unsettle alignments, and dropping a disk to the floor can be thought of as a minor catastrophe …quot; in fact, Head/Media collisions account for a large percentage of hardware malfunctions. Add to this other factors such as settling of dust particles on magnetic surfaces, sudden temperature variations, electronic (circuit board) failures, Controller failures, power surges, etc and one can understand the relatively short life span of hard disks …quot; a hardware malfunction can occur at any time and is sometimes beyond the control of the user. <br />
Human error (accidental deletion/format, incorrect usage of software, etc) and software malfunction (corruption by virulent software, configuration complexity, improper backups, etc) are other major factors leading to data loss. While virus attacks are an issue with other Operating Systems (most notably Windows), this is not much of an issue in NetWare. <br />
1.4 Data safety methods provided by NetWare & its limitations <br />
Although NWFS has limited data safety/protection methods, NSS comes with useful features some of which are: <br />
Journaling -> This significantly reduces the number of errors that happen when an operation is interrupted unexpectedly (resulting from occurrences such as a power failure or system failure). <br />
<br />
File Snapshot -> This feature allows transient copies of open files to be made. Taking advantage of this, backups of even open files are possible. This feature can be activated using the console command:<br />
nss /FileCopyOnWrite=(Volume Name) OR nss /FileCopyOnWrite=all <br />
For a complete description of this feature, visit:<br />
http://www.novell.com/documentation/nw65/index.html page=/documentation/nw65/nss_enu/data/ajhv67e.html <br />
<br />
Pool Snapshot -> This feature allows you to take a snapshot of a data pool as it exists, including open files. This can be helpful for backup, maintenance, and restoration of lost data. <br />
A snapshot can be taken using the console command:<br />
mm snap create (snappool)(datapool)(snapname)<br />
A previously taken snapshot can be activated using the console command:<br />
mm snap activate (snapname) <br />
A more extensive list of Pool Snapshot capabilities is given at:<br />
http://www.novell.com/documentation/nw65/index.html page=/documentation/nw65/nss_enu/data/br18vpz.html <br />
Even though these features offer data safety up to a certain level, the one big limitation for these features above is that all backups are metadata-based only. This means that a data disaster on a big scale, with a files actual core data getting lost/deleted, cannot be resolved using these features. What is needed in such a scenario is a complete scan of the disk surface to look for deleted/missing entries. This can only be done by advanced data recovery software and is a must-use when the above methods fail. <br />
2. Setting up the hardware (for a recovery process)<br />
2.1 Basic Do's and Don'ts <br />
When data is seemingly 'deleted' from a disk, the actual data is not removed. Only the reference information of the file is modified so that the space that a file occupies on the disk is marked as 'free-space' and is made available for writing on. But until that space is actually overwritten by other data, the original data remains intact and is therefore recoverable. <br />
Since 'lost' data being overwritten is a major concern, it is imperative that the volume containing lost data is not used at all. Even leaving the server on, without any activity, causes many tiny files to be written/updated every few seconds. This increases the chance of lost data being overwritten and reduces the possibility of total data recovery. Therefore, after any instance of data loss …quot; be it a single deleted file or a total disk failure …quot; it is preferable to disconnect the affected server disk. <br />
Following episodes of data loss: <br />
Do's <br />
Turn off the machine immediately <br />
Disconnect the server disk <br />
Don'ts <br />
Never restart the machine in the hope that this will solve the problem …quot; a restart involves many files being generated which may result in overwriting of lost data which will in turn reduce the possibility of total data recovery <br />
If you hear clicking/grinding noises coming from the storage media, then it is a hardware failure …quot; do not continue using the disk. It is preferable to disconnect the server disk immediately. In such cases, even data recovery software may not fully be able to recover lost data …quot; it needs to be turned over to data recovery specialists <br />
If there is intense physical damage to the disk (such as a power surge resulting in smoke or sparks), do not experiment with the media …quot; this needs examination by experts <br />
Do not, under any circumstances, open up the disk since exposing the platters may damage the disk beyond repair. The disk is to be opened up only as a last resort and that too by professionals working in a clean-room <br />
If the data recovery software allows installation on NetWare, do not install the software on the Volume which is affected. While it is possible to install the software on a Volume other than the one which is affected, it is always preferable to connect the affected disk to a working disk and then install the recovery software to the working disk <br />
The ideal method to recover lost data is to connect the affected disk to a healthy disk. Data recovery software is then installed on to the healthy disk after which the software detects and does a scan of the affected disk. <br />
The following section describes the connection of the disks. <br />
2.2 Connecting IDE disks <br />
It is best not to involve the server disk for recovery software installation during a system recovery. It is recommended to install the software on a Windows OS 'host' disk, and then connect the affected server disk to it (to understand why, read section 3 labeled 'Using Data Recovery Software').<br />
This section discusses the connection of IDE (also known as ATA) disks. <br />
Disks with IDE interfaces can be connected as: <br />
'Slave' on the Primary channel OR <br />
Either 'Master' or 'Slave' on a secondary channel <br />
This implies that the disk with lost data can be connected in any way to a working disk, as long as the system does not boot from the affected disk. <br />
Configuring a disk to be either 'Master' or 'Slave' involves setting the jumper pins at the back of the hard disks. <br />
This is what the back of a disk looks like: <br />
IDE Cable Connector<br />
One end of this connector goes into the back of the disk, and the other into the motherboard. <br />
Jumper Pins<br />
Out of the given sets of jumper pins, one of the sets needs to be 'jumpered' thus giving the disk its configuration. The diagram for the jumper pin configuration should be given in a sticker on the disk. If the failed disk is being connected on the primary channel, it needs to be connected in the 'slave' configuration. Use tweezers to change the switch position. There is a notch that prevents incorrect insertion. <br />
Power Cable Connector<br />
The power cable goes in here. <br />
<br />
<br />
This is what an IDE cable looks like: <br />
Connecting disks to the cable <br />
An IDE cable has one end connected to the motherboard, and the other end usually goes into the disk configured as 'Master'. The working disk which has recovery software installed in it should be the 'Master'. The plug in the middle usually has the disk configured as 'Slave'. If connected in the primary channel, the damaged disk needs to be 'jumpered' to be a 'Slave' and then connected to this middle plug. <br />
<br />
After the jumper pins have been set and IDE cable connected at the correct points, the disks need to be installed into its case …quot; simply screw in the disk to secure it to its case. The next step is to make sure that the computer accepts the disks. <br />
2.3 Connecting SCSI Disks <br />
While disks with IDE interfaces have gained popularity with home PC users because of their low cost, SCSI interface disks are common with servers and high performance workstations and/or peripherals. The most visible difference between IDE and SCSI disks is that a single SCSI adapter can handle as many as 7 or 15 devices at a time …quot; because of this, setting the Jumper Pins at the back of a SCSI disk are a little more complicated than behind an IDE disk. <br />
In connecting SCSI disks appropriate jumper pins have to be set to assign SCSI ID's, configure termination, etc. For data recovery purposes the only thing to remember while connecting the disks is to connect the SCSI disk with lost data as: <br />
'Slave' on the Primary channel OR <br />
Either 'Master' or 'Slave' on a secondary channel <br />
This implies that the disk with lost data can be connected in any way to a working disk, as long as the system does not boot from the affected disk. <br />
This is similar to disks with IDE interfaces (see above …quot; Connecting IDE disks - for connection details). The jumper pin setting information should be detailed in the sticker on the disk itself. After connecting the SCSI disk in the appropriate configuration, the next step is to make sure that the computer accepts the disks. <br />
2.4 Finishing Up <br />
The BIOS usually automatically detects new hardware - this is so because the disk detection feature is set to 'AUTO' by default. However, it is still better to enter the BIOS and confirm whether the appropriate disk channel(s) are set to 'AUTO'. <br />
There are different methods of entering the BIOS for different motherboards. It is usually done by pressing the 'F2' key or the 'Delete' key just after starting the computer (To find out the exact keystroke(s) to enter the BIOS, visit: http://www.numonics.com/support/bios.htm). <br />
In the BIOS, navigate through the main menu and go the Hard Disk AutoDetect feature <br />
<br />
<br />
In the Hard Disk setup window, make sure the channel that the disk is connected to, is set to 'AUTO'. For Example: If the disk with lost data is a 'slave' on the primary channel, make sure that this option is set to 'AUTO'. <br />
<br />
After making the necessary changes, remember to save changes before exiting BIOS. <br />
3. Using Data Recovery Software (Stellar Phoenix Novell)<br />
3.1 How data recovery software work <br />
When a file is seemingly 'deleted' from a disk, the actual data is not removed. The only thing that is done is modification of the file's entry in the directory table/tree such that the space on the disk that the file occupied is now labeled as free space. Thus, the file still exists on the disk - but the file system is blind to it. This is much like a house without an address - it exists, but there is simply no way to go to it. Permanent deletion occurs only after the file's actual data is overwritten by other data. <br />
Data recovery software, such as Stellar Phoenix Novell, take advantage of this fact and use it to recover lost data. <br />
When a file is 'deleted', only the first few bytes of that files entry in the Directory Table/Tree are modified to make the file system recognize that file as deleted. Data Recovery software scan the Directory Table/Tree looking for modified entries which have been labeled as 'deleted'. When it finds one, it verifies whether the clusters occupied by this file have been left untouched or whether the clusters have already been overwritten by a new file. If the clusters are still 'free' and have not been reallocated, then this file is recoverable. <br />
This is the reason why an affected disk should be disconnected and not left running as tiny files keep getting generated/updated every few seconds, thus increasing the likelihood of crucial data getting overwritten …quot; it is easy to understand then, why even something as simple as a system restart could turn out to be catastrophic. <br />
Sometimes, however, even the Directory Table/Tree may be corrupt or may have been overwritten. In such cases, data recovery software go into advanced mode and scan the disk cluster by cluster. When the software finds a file, it verifies whether that file's entry exists in the Directory Table/Tree …quot; if it does, then the file is obviously 'visible' to users. However, if an existing file on the disk does not have an associated entry in the Directory Table/Tree, then it is considered to be a lost/missing entry and the software will display this as a 'found' file. <br />
Thus, data can be recovered either by analyzing the Directory table/tree of a file system (to look for deleted files), or by doing a cluster by cluster search of the physical disk (to look for lost/missing files). These two options are given different names (like 'Standard Search' and 'Advanced Search') by different data recovery software. <br />
The next section discusses the recovery process of deleted files and missing/lost NetWare partitions using Stellar Phoenix Novell. <br />
Problems faced in recovering data from compressed/sub-allocated/segmented volumes: <br />
Data recovered from volumes which are compressed, sub-allocated, or segmented presents a few problems. <br />
Compressed Volumes<br />
Data recovery software recover lost data exactly as it was stored in the disk, and the recovered data may be compressed. Data must be decompressed before it can be used. This gives rise to the problem of recovered data being unusable (because it is in a compressed format). <br />
Sub-allocated Volumes<br />
Sub-allocated Volumes are virtual and not 'visible'. Since data recovery software do a physical scan on the hard disk, recovery of lost data from sub-allocated sections of a volume is a problem. <br />
Segmented Volumes<br />
Regular data recovery software can usually scan only one disk at a time, but segmented volumes may be spanned across multiple disks, which is what creates the difficulty in the recovery of segmented volumes. <br />
Effective data recovery software for NetWare requires advanced modules to fully recover data from such volumes while at the same time maintaining the original configuration …quot; ensure that the data recovery software you purchase can recover data from all these volume types <br />
3.2 Case Study …quot; Using Stellar Phoenix Novell to recover data <br />
All data recovery software have a trial version available which lets users get a good approximation of how effective the software can be. The trial version scans the disk using both Standard and Advanced modes and displays a list of all recoverable data. However, the full version will be needed to actually restore/save that data. <br />
If you have lost data to be recovered, try downloading Stellar Phoenix Novell from www.stellarinfo.com/netware-data-recovery.htm and then install the software to a healthy working hard disk with the Windows Operating System in it. Stellar Phoenix Novell is a win32 executable and needs to be installed to a Windows based disk. <br />
Run setup.exe from among the downloaded files …quot; the software is installed, by default, to a Stellar folder in Program Files. Additionally, usual entries to the Programs group (Start -> Programs) and the Add/Remove Programs list (in Control Panel) are also made. <br />
Note: Make sure you are logged in as administrator before initializing setup - the software installation requires local administrative rights in Windows NT/2000/XP. <br />
The affected server disk should be connected to this 'Windows' disk as a secondary (for details, read Section 2: Setting up the hardware). <br />
Running the software will display the user interface containing a Toolbar which contains all necessary buttons to operate the software, from initiating the recovery process to saving the lost data. <br />
Limitation of Stellar Phoenix Novell: NetWare 6.5 and later has an optional Encrypted Volume Support (EVS) feature using which it is possible to encrypt data stored on any newly created volume (the SYS volume is the only volume that cannot have the EVS feature in it). This is done mostly for protection of data against theft. Although data in EVS volumes are in an encrypted format, they work seamlessly with all applications. To learn how to create an encrypted volume, visit: http://www.novell.com/documentation/nw65/index.html page=/documentation/nw65/nss_enu/data/bq2y6nb.htm. <br />
Stellar Phoenix Novell cannot recover data from such encrypted volumes. <br />
For further information on the workings of this software, read the product's Knowledge Base articles at: http://stellarinfo.com/esupport/users/kb.php category_id=13 <br />
3.2.1. How to recover deleted files <br />
NWFS <br />
Click the Select Physical Disk button ( ) on the Toolbar to begin the recovery process. The software displays a list of all the hard disks it can detect, including the affected server disk. Select the server disk and then click OK to continue. <br />
<br />
Select the NetWare partition <br />
<br />
<br />
Select the Volume <br />
<br />
<br />
The software looks for deleted entries in the selected volume and displays the result in a simple tree structure. <br />
<br />
<br />
If the standard search fails to turn up the desired results, the software can be made to search in an advanced mode (read Section 3.1: How data recovery software work) by changing the Linking Mode to Contiguous (Tools->Change Linking Mode->Contiguous Mode). <br />
<br />
Select any number of files to be recovered and then click the Recover Selected button to restore the data. Alternatively, clicking the Recover All button will recover all displayed files. (The Recover Selected/All feature is only activated in the full version …quot; it is not available in the trial version). <br />
NSS <br />
The steps are similar to the ones shown above. They are: <br />
Select the physical disk <br />
<br />
Select the NSS Pool <br />
<br />
Select the Volume <br />
<br />
The software looks for deleted entries in the selected volume and displays the result in a simple tree structure after which any number of files can be recovered. <br />
3.2.2.How to recover missing/lost NetWare partitions <br />
The process of recovering of missing/lost NetWare partitions is similar to the steps shown above in 3.1 How to recover deleted files. The one difference is that instead of specifying the Pool and/or Volume to recover, you need to choose the hard disk to recover from …quot; this is because the software will scan the entire disk to look for missing/lost NetWare partitions. <br />
NWFS <br />
Use the 'Search NetWare Partition' option and then select the physical disk which contains the lost/missing partition. <br />
<br />
The software searches the selected disk for all partitions. Since the search is intensive, it may take some time to complete. After the search is over, the software will display a list of all found partitions <br />
<br />
Select the partition which contains the missing/lost volume <br />
<br />
Select the Volume from which data needs to be recovered <br />
<br />
The software then analyses the volume's data structures and file system attributes and displays the result in a simple tree structure after which any number of files may be recovered <br />
NSS <br />
The method of recovering missing/lost NSS Volumes is similar to the steps given above. Moreover, Stellar Phoenix Novell also has an additional feature in which NSS Pools can be searched for, and recovered. <br />
Use the 'Advanced Search for NSS Volumes' or 'Advanced Search for NSS Pools' option and select the physical disk which contains the lost/missing Volume or Pool <br />
<br />
The software does an intensive search and lists all the pools/volumes it can find <br />
<br />
Select the Pool/Volume from which data needs to be recovered <br />
<br />
The software analyses the relevant data structures and file system attributes and displays the result in a simple tree structure after which any number of files may be recovered <br />
The steps laid out in the 2 sections above work for most Volume types, such as Segmented Volumes, Sub-allocated Volumes, etc and for most data loss events, such as Formatted Volumes, Re-partitioned Volumes, etc. However, recovery of compressed volumes is a slightly more complicated issue and is discussed in the next section. <br />
3.2.3. How to recover compressed Volumes <br />
(For NetWare 4.x and above) <br />
If a Volume is given compression capability, then some data in the Volume will most likely be compressed. When such data is recovered, it is still in a compressed format and thus unusable. Thus, effective data recovery software need to have a decompression module in them to ensure full usability of the recovered data …quot; ensure that the recovery software you use has such a capability. <br />
The use of recovery software's decompression utility is illustrated by the following steps, as followed in Stellar Phoenix Novell: <br />
Recover the compressed data using the steps followed in sections 3.1 or 3.2 …quot; you now have recovered compressed data on a hard disk different from the affected server disk <br />
<br />
Connect the disk with the compressed data to a Novell client machine …quot; this machine now has the compressed data in it <br />
<br />
Log on as an Administrator to the Novell client and upload the compressed data to a Novell server disk …quot; the server disk now has the compressed data.<br />
Note: The compressed data should be uploaded to an NWFS Volume on the server <br />
<br />
<br />
Shut the server down, disconnect the server disk and connect it as a secondary to the disk with Stellar Phoenix Novell installed in it <br />
<br />
Run the software, select the volume with the compressed data and then run the software's decompression utility on the compressed data (Tools -> Mark Compressed Files). The server disk's compressed data is now decompressed <br />
<br />
Reconnect the server disk back into the server machine and boot this machine up <br />
<br />
The decompressed data can now be transferred from the server to any client machine <br />
This process does require some patience but is safest and yields best results if done systematically. <br />
Data recovery software, as with most other software, come with their own unique additional features to ease the recovery process. Stellar Phoenix Novell comes with utilities such as File Filter, File Mask, Save Scan, Event Log, Find, and so on to streamline and facilitate the recovery process. <br />
4. Conclusion<br />
The data recovery process for Novell server disks can be summarized briefly as: <br />
Disconnect the server disk <br />
<br />
Install the data recovery software to a healthy working disk and connect the affected server disk to this working disk <br />
<br />
Run the software to detect the server disk and display all its partitions/volumes <br />
<br />
Select the disk/volume from which to recover data from and begin the disk/volume analysis <br />
<br />
After all recoverable files are displayed, select the file(s) to be recovered and then restore them <br />
In conclusion, if the server disk is immediately disconnected after an episode of data loss then the chances of total data recovery is very high. Data is never truly lost unless it is overwritten, and it is users that control writing to the disk …quot; hence, salvaging data, even in the event of a total disk failure, is not difficult at all. All that needs to be followed is a systematic approach. <br />
The best practice in protecting data is regularly taking backups. While most Operating Systems today do have built in backup tools, these are not truly extensive. It is always better to go in for genuine 3rd party software (there are many good applications available today), whose development is dedicated to the task of protecting data. Most backup software today are fully automated and keep taking regular backups on their own without any user intervention …quot; even if the disk completely crashes, the machine can be booted using the software's disc (which contains the necessary boot files) after which the software accesses the backup and restores the system. [http://www.fixdisk.net/ 数据恢复] <br />
Other effective data protection practices are hardware configurations such as RAID, periodic usage of good system checker software, reduction of dust around the work area, monitoring hard disk's for hardware faults (see Section 1.3: How data gets lost), effective cooling systems, updated anti-virus software, etc. <br />
However, even backups (be it in the form of backup software or hardware configurations such as RAID) are not 100% foolproof and mishaps can occur in any situation. The only way to ensure complete data protection is a thorough knowledge of data storage and recovery processes …quot; this will provide users with small but extremely vital bits of information such as immediate disconnection of affected disks, connection of failed disks to healthy ones, recovery of data to safe locations, etc. Thus, in a nutshell, while data disasters may occur at any time, 100% data recovery is definitely possible. <br />
Related Material: <br />
To understand recovery of data even after it has been overwritten, read Gutmann's paper at: www.cs.auckland.ac.nz/~pgut001/pubs/secure_del.html [http://www.raidsos.org/ 数据恢复]</div>Datash3http://barcampbank.org/index.php/PyramidPyramid2007-12-26T11:01:09Z<p>Summary: </p>
<hr />
<div>BarCampBank can be seen as a three-level pyramid:<br />
#'''a place for exchanges''' - where people interested in innovation in the world of banking and finance can communicate.<br />
#'''a think-tank''' - where white-papers and structured documents can be produced collaboratively to shed light on the innovations and new business models that technology can create in the world of banking and finance.<br />
#'''an incubator''' - where innovative projects in the world of banking and finance can find a knowledgeable community and structured thinking to assess their potential and eventually mechanisms helping financing the most promising initiatives.<br />
<br />
In this view, each level strongly supports the success of higher ones and the aim of BarCampBank is to grow contributions at every level in an open and active recruitment process toward potential new members.</div>FredericBaudhttp://barcampbank.org/index.php/P2PMoneyP2PMoney2007-12-17T21:02:48Z<p>Summary: </p>
<hr />
<div>= P2PMoney =<br />
info:This page is designed to coordinate efforts of people interested in developing a tool so that groups of individuals can jointly manage money they decide to pool together. <br />
<br />
We are trying to combine the needs and interests of BarCampBank to create a tool to jointly manage pooled money, with the needs and interests of [http://socialsynergyweb.net/cgi-bin/wiki/CoDevProposal Open Business Models wiki hive], which is looking to create a Revenue Sharing money manegement tool, and can also use an open source based money pooling tool. This was originally described in [http://socialsynergyweb.net/cgi-bin/wiki/CoDevProposal CoDevProposal]. <br />
<br />
<br />
<br />
<br />
<br />
<br />
<br />
= Requirements =<br />
<br />
A pooled payment system would: <br />
<br />
<br />
# Offer a place where pledges for money can be stored and easily committed <br />
# Offer a way for the group to define different future expenses, vote for prioritization and approval. <br />
# Offer a way to make direct payment to the vendor for large payments and especially micropayments (to integrate the 200 million kids of the OLPC project and beyond). <br />
# Offer a way to enter, track, approve past expenses incurred by different participants or consolidate and re-assign shares of a common revenue. <br />
# Offer a way to transfer cash from one or several of the participant to one or several other participants, either for reimbursing past expenses or for distributing earned revenues<br />
<br />
<br />
A Revenue sharing module for this system would: <br />
<br />
# work flexibly with Project Point systems, wherein points earned represent shares of revenue. <br />
# Allow direct mass payment to project participants from vendor/reseller sources, like Cafepress, for instance, and also would accept payment from hosted ecommerce sites/shopping carts. Also would distribute money from bank accounts, paypal. <br />
# Would also allow projects to divide revenue using pre-assigned percentage shares instead of project points, if they choose to do so. <br />
# Would allow projects that use point systems to have a "what if system" showing a projected revenue earned based on tasks done and points earned and current total incoming revenue.</div>FredericBaudhttp://barcampbank.org/index.php/Index.phpIndex.php2007-10-18T18:22:48Z<p>Summary: Protected "[[Index.php]]" [edit=sysop:move=sysop]</p>
<hr />
<div>Lock anti-spam</div>221.10.53.122http://barcampbank.org/index.php/Bank_and_Finance_Open_SourceBank and Finance Open Source2007-08-24T14:27:45Z<p>Summary: </p>
<hr />
<div>Please add links to open source software that can be used in the world of banking and finance.<br><br><br />
<br />
=== Banking Software ===<br />
* [http://www.mybanco.org MyBanco] is software that can be used to allow customers to create bank accounts. With a wide range of utilities, for example it could be used for real or virtual money. It is open source and licensed under the AGPL license. MyBanco provides a huge features list, including SMS and phone banking, web banking and more.<br />
<br />
=== Personal Finance ===<br />
* [http://www.gnucash.org/ Gnu Cash] - a software to track bank accounts, stocks, income and expenses.<br />
* [http://www.newartisans.com/ledger.html Ledger] An open source command line double entry accounting program (see: http://www.communitywiki.org/en/CwB)<br />
<br />
=== Alternative Currency Exchange ===<br />
<br />
* [http://project.cyclos.org/ Cyclos] Cyclos is open source software intended for use in complementary currency systems like LETS, Barter, Time bank, C3 (consumer commerce circuit) and micro finance systems like VLC (combination of micro finance with local currency).<br />
* The [http://www.freedmoney.org/ Free Digital Money] project aims to promote ideas and stimulate further innovation in the field of digital money. It provides a e-money implementation that can be used by anyone to try out ideas, build sample applications, or for further development.<br />
<br />
=== Spreadsheet Software ===<br />
<br />
* [http://www.softwaregarden.com/products/wikicalc/index.html wikiCalc] - The wikiCalc program lets you make web pages with more than just paragraphs of prose. It combines the ease of authoring and multi-person editing of a wiki with the familiar visual formatting and calculating metaphor of a spreadsheet. Written in Perl and released under the GPL 2.0 license, it can easily be setup to run on almost any server as a web application or on a personal computer to publish by FTP.<br />
<br />
=== Data Mining, Business Intelligence ===<br />
<br />
* [http://www.pentaho.com/ Pentaho]: A [http://en.wikipedia.org/wiki/Weka_%28machine_learning%29 Weka]- based program that includes simple "dashboard" like tools for analyzing business data.<br />
<br />
=== Free Banking ===<br />
* [http://freepay.fr/ FreePay] is a online free banking solution based on public banking and european financial standards which associate free market, BIC / SWIFT Code, IBAN, free payment, credit card number validation, ecommerce and Stock Exchange Market. (available in French language only at this time)</div>SamRose