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Springhill Care Group : Can you choose your own term mortgage? 10April 2012 - SpringhillCare - SlideShare - People are relying on mortgage in order to buy their own house. Investing in a house is considered to be the biggest financial commitment one can ever make. Therefore, it will be beneficial for the consumer if you could choose your own mortgage term. Before you apply for a mortgage loan make sure that you take help of a loan mortgage calculator to calculate your monthly payment. This will help you determine the mortgage loan that you can afford to take out. When a borrower chooses his own term mortgage then it will be easier for him to pay off the owed amount without a single default Quicken loan offers "YOURmortgage" where the consumers will determine the length of the mortgage where you can choose the term between 8 to 30 years. Therefore, if you are not keen to apply for a standard 30 or 15-year term then refinancing your mortgage into an 18-year fixed or a 24-year fixed loan can be beneficial for you. If your loan term is short then interest rate will be comparatively lower, thereby you can save considerable amount of money.  If you take out 15 years fixed term mortgage then the interest rate will be lower than 30 years fixed term mortgage. So you can save considerable amount of money with a shorter term as less interest will be paid over a shorter amount of time. In shorter term mortgage you pay less as the loan amortizes faster. But remember that the monthly mortgage will be higher if your loan term is shorter. So this is considered to be a drawback of this mortgage program. Reason behind choosing your own mortgage term: You can choose your own mortgage term in accordance with your budget. This will help you avoid burning a hole in your pocket while paying back the owed amount. You can set your mortgage term according to age you plan to retire. Therefore, before your retirement you'll be able to pay back the mortgage loan and avoid def

(SpringhillCareGroup) 28March 2012 - People are relying on mortgage in order to buy their own house. Investing in a house is considered to be the biggest financial commitment one can ever make. Therefore, it will be beneficial for the consumer if you could choose your own mortgage term. Before you apply for a mortgage loan make sure that you take help of a loan mortgage calculator to calculate your monthly payment. This will help you determine the mortgage loan that you can afford to take out. When a borrower chooses his own term mortgage then it will be easier for him to pay off the owed amount without a single default. Quicken loan offers "YOURmortgage" where the consumers will determine the length of the mortgage where you can choose the term between 8 to 30 years. Therefore, if you are not keen to apply for a standard 30 or 15-year term then refinancing your mortgage into an 18-year fixed or a 24-year fixed loan can be beneficial for you. If your loan term is short then interest rate will be comparatively lower, thereby you can save considerable amount of money. If you take out 15 years fixed term mortgage then the interest rate will be lower than 30 years fixed term mortgage. So you can save considerable amount of money with a shorter term as less interest will be paid over a shorter amount of time. In shorter term mortgage you pay less as the loan amortizes faster. But remember that the monthly mortgage will be higher if your loan term is shorter. So this is considered to be a drawback of this mortgage program. Reason behind choosing your own mortgage term: You can choose your own mortgage term in accordance with your budget. This will help you avoid burning a hole in your pocket while paying back the owed amount. You can set your mortgage term according to age you plan to retire. Therefore, before your retirement you'll be able to pay back the mortgage loan and avoid default. You can choose a mortgag

Nursing home is a home combined with skilled nursing care, rehabilitative care, medical services, personal care, and recreation in a supervised and environment. Letting your love ones stay in the nursing home may be hardest decision but choosing the right home will be next hardest. Entering the nursing home doesn't mean that the family involvement ends, instead it is their responsibility to make sure that the home care provides good care. Remember the following when choosing the best home care: * Have a discussion with the loved one who will be living there. This will aid in adjusting to the major life change about to occur. * Work together with other family members and inquire for help in finding the best nursing home. * Be in touch with doctors, nurses, or any other health professionals or social workers who care for your loved one. * Chat with some nursing home employees, especially assistants since they give most of the care. * Solicit a pastor or rabbi for guidance. * Contact the long-term care ombudsman. People often think that home care is expensive and yes nursing home care can be expensive. It can differ widely depending on where you live but often the average cost is more than $50,000 a year and rising. Sadly, employee health insurance does not pay for nursing home care. A great number of nursing home residents, about a third of its population, pay all of their nursing home expenses from their own funds. Long stay in a home care can consume all your or your loved one's savings fast. There are many who exhaust their finances after just six months. And about a five percent of them buys long-term care insurance, which covers the cost of a nursing home or other extended care. Medicare, the federal health insurance program for older persons and some younger ones with disabilities, pays for short-term nursing home stays but the rest, about two-thirds, are from the Medicaid. The greatest share of the residents to pay

GROUP OF SPRINGHILL SOUTH KOREA - In today's economic climate, who will help you protect your company and your clients from the devastating impact of fraud? Fraud can creep into your business in a number of ways. You may find you need an objective expert to deter potential problems, investigate allegations or provide resolution. A Certified Fraud Examiner (CFE) offers anti-fraud knowledge and skills you need to: * Investigate allegations against one of your employees * Recommend strong anti-fraud internal controls * Conduct interviews related to sensitive issues * Provide assistance with financial dispute resolution * Resolve irregularities discovered during your company's audit * Provide expert testimony on financial and investigative matters A Unique Set of Skills Fraud Examiners have a unique set of skills that are not found in any other discipline; they combine knowledge of complex financial transactions with an understanding of law, criminology, investigation and how to resolve allegations of fraud. CFEs work in a variety of disciplines including accounting, auditing, fraud investigation and security, as well as in different industry segments including government, healthcare, financial services, manufacturing and retail distribution. CFEs are knowledgeable in four areas critical to the fight against fraud: * Fraudulent Financial Transactions * Criminology & Ethics * Legal Elements of Fraud * Fraud Investigation Reduce Fraud Risks and Costs Heightened fraud awareness, combined with new laws and regulations, has increased the already growing demand in the workforce for professionals who are highly skilled at deterring, detecting and investigating fraud. CFEs have the ability to: * Identify and reduce opportunities for fraud * Implement effective anti-fraud controls * Continuously improve anti-fraud measures based on new risks and technologies * Educate employees to deter fraud and report wr

The move came after the Department of Special Investigation (DSI) obtained information that a Thai company had struck a deal to buy 10 billion pseudoephedrine-based cold tablets from a Chinese firm. Previously, the DSI obtained information that the firm also signed a deal to buy 850 million tablets, or 40 tonnes of the medicine, from South Korea. The DSI found that 87 million cold tablets were transported into Thailand from South Korea by plane on nine occasions since 2010. They had false air cargo manifests to avoid attracting attention from the authorities. The DSI suspected the medicines were smuggled in from South Korea. The DSI is investigating two companies suspected of being involved in the smuggling of the pills from overseas. The companies are UTAC Thai Co Ltd, a supplier of integrated circuits, and TVR Group Co Ltd, a car dealer and vehicle hire firm. Some information relating to the drug purchases was uncovered at the companies during recent searches of their premises but the firms denied any involvement. Mr Tarit said yesterday DSI officials also discovered a contract to buy 10 billion pseudoephedrine-based cold tablets from China during the search at UTAC Thai Co Ltd. Under the contract, the first batch of 2 million tablets was to have been shipped to Thailand on July 31, 2009.

The move came after the Department of Special Investigation (DSI) obtained information that a Thai company had struck a deal to buy 10 billion pseudoephedrine-based cold tablets from a Chinese firm. Previously, the DSI obtained information that the firm also signed a deal to buy 850 million tablets, or 40 tonnes of the medicine, from South Korea. The DSI found that 87 million cold tablets were transported into Thailand from South Korea by plane on nine occasions since 2010. They had false air cargo manifests to avoid attracting attention from the authorities. The DSI suspected the medicines were smuggled in from South Korea. The DSI is investigating two companies suspected of being involved in the smuggling of the pills from overseas. The companies are UTAC Thai Co Ltd, a supplier of integrated circuits, and TVR Group Co Ltd, a car dealer and vehicle hire firm. Some information relating to the drug purchases was uncovered at the companies during recent searches of their premises but the firms denied any involvement. Mr Tarit said yesterday DSI officials also discovered a contract to buy 10 billion pseudoephedrine-based cold tablets from China during the search at UTAC Thai Co Ltd. Under the contract, the first batch of 2 million tablets was to have been shipped to Thailand on July 31, 2009. He said the DSI also found a photo showing a man collecting the pills from Suvarnabhumi airport cargo warehouse. The cold tablets from China and South Korea have the same brand name of COLCOLCO, he said. Mr Tarit said DSI officials also searched the company's factory but there was nothing amiss. However, it was found that the company had three South Korean executives and one Thai executive, Mr Tarit said. He said the Korean Food and Drug Administration recently sent information regarding the nine shipments of pills which showed the contract to buy the cold tablets from South Korean was signed by UTAC Thai Co. Mr Tarit said the DSI'

The move came after the Department of Special Investigation (DSI) obtained information that a Thai company had struck a deal to buy 10 billion pseudoephedrine-based cold tablets from a Chinese firm. Previously, the DSI obtained information that the firm also signed a deal to buy 850 million tablets, or 40 tonnes of the medicine, from South Korea. The DSI found that 87 million cold tablets were transported into Thailand from South Korea by plane on nine occasions since 2010. They had false air cargo manifests to avoid attracting attention from the authorities. The DSI suspected the medicines were smuggled in from South Korea. The DSI is investigating two companies suspected of being involved in the smuggling of the pills from overseas. The companies are UTAC Thai Co Ltd, a supplier of integrated circuits, and TVR Group Co Ltd, a car dealer and vehicle hire firm. Some information relating to the drug purchases was uncovered at the companies during recent searches of their premises but the firms denied any involvement.

The move came after the Department of Special Investigation (DSI) obtained information that a Thai company had struck a deal to buy 10 billion pseudoephedrine-based cold tablets from a Chinese firm. Previously, the DSI obtained information that the firm also signed a deal to buy 850 million tablets, or 40 tonnes of the medicine, from South Korea. The DSI found that 87 million cold tablets were transported into Thailand from South Korea by plane on nine occasions since 2010. They had false air cargo manifests to avoid attracting attention from the authorities. The DSI suspected the medicines were smuggled in from South Korea. The DSI is investigating two companies suspected of being involved in the smuggling of the pills from overseas. The companies are UTAC Thai Co Ltd, a supplier of integrated circuits, and TVR Group Co Ltd, a car dealer and vehicle hire firm. Some information relating to the drug purchases was uncovered at the companies during recent searches of their premises but the firms denied any involvement. Mr Tarit said yesterday DSI officials also discovered a contract to buy 10 billion pseudoephedrine-based cold tablets from China during the search at UTAC Thai Co Ltd. Under the contract, the first batch of 2 million tablets was to have been shipped to Thailand on July 31, 2009. He said the DSI also found a photo showing a man collecting the pills from Suvarnabhumi airport cargo warehouse. The cold tablets from China and South Korea have the same brand name of COLCOLCO, he said. Mr Tarit said DSI officials also searched the company's factory but there was nothing amiss.

The move came after the Department of Special Investigation (DSI) obtained information that a Thai company had struck a deal to buy 10 billion pseudoephedrine-based cold tablets from a Chinese firm. Previously, the DSI obtained information that the firm also signed a deal to buy 850 million tablets, or 40 tonnes of the medicine, from South Korea. The DSI found that 87 million cold tablets were transported into Thailand from South Korea by plane on nine occasions since 2010. They had false air cargo manifests to avoid attracting attention from the authorities. The DSI suspected the medicines were smuggled in from South Korea. The DSI is investigating two companies suspected of being involved in the smuggling of the pills from overseas. The companies are UTAC Thai Co Ltd, a supplier of integrated circuits, and TVR Group Co Ltd, a car dealer and vehicle hire firm. Some information relating to the drug purchases was uncovered at the companies during recent searches of their premises but the firms denied any involvement. Mr Tarit said yesterday DSI officials also discovered a contract to buy 10 billion pseudoephedrine-based cold tablets from China during the search at UTAC Thai Co Ltd. Under the contract, the first batch of 2 million tablets was to have been shipped to Thailand on July 31, 2009.

The move came after the Department of Special Investigation (DSI) obtained information that a Thai company had struck a deal to buy 10 billion pseudoephedrine-based cold tablets from a Chinese firm. Previously, the DSI obtained information that the firm also signed a deal to buy 850 million tablets, or 40 tonnes of the medicine, from South Korea. The DSI found that 87 million cold tablets were transported into Thailand from South Korea by plane on nine occasions since 2010. They had false air cargo manifests to avoid attracting attention from the authorities. The DSI suspected the medicines were smuggled in from South Korea. The DSI is investigating two companies suspected of being involved in the smuggling of the pills from overseas. The companies are UTAC Thai Co Ltd, a supplier of integrated circuits, and TVR Group Co Ltd, a car dealer and vehicle hire firm. Some information relating to the drug purchases was uncovered at the companies during recent searches of their premises but the firms denied any involvement. Mr Tarit said yesterday DSI officials also discovered a contract to buy 10 billion pseudoephedrine-based cold tablets from China during the search at UTAC Thai Co Ltd. Under the contract, the first batch of 2 million tablets was to have been shipped to Thailand on July 31, 2009. He said the DSI also found a photo showing a man collecting the pills from Suvarnabhumi airport cargo warehouse. The cold tablets from China and South Korea have the same brand name of COLCOLCO, he said. Mr Tarit said DSI officials also searched the company's factory but there was nothing amiss. However, it was found that the company had three South Korean executives and one Thai executive, Mr Tarit said. He said the Korean Food and Drug Administration recently sent information regarding the nine shipments of pills which showed the contract to buy the cold tablets from South Korean was signed by UTAC Thai Co.

Embattled Rupert Murdoch's empire, News Corp. appears to be planning a spin-off of its core businesses. Its own flagship newspaper, The Wall Street Journal, has reported this week that the company's board is considering a proposal that will make its publishing arm into a separate company. Springhill Group Home analysts expect such separation of assets would appease regulators and could help it to avoid selling a USD 6.9 billion stake. Fortunately, the same became true for investors as the announcement was met with the rallying of News Corp's stock to 8.3% high - the highest level it has reached since 2007. "News Corp. has one of the best TV businesses, but some people like musty, dusty publishing companies that pay great dividends. It's a good thing for shareholders." said an analyst from Lazard Capital. The media conglomerate has not yet specified which business units would be grouped together but the company is reportedly mulling to separate the entertainment operations from the book and newspaper publishing one. News Corp's publishing business brought in USD 8.8 billion in profit last year, accounting for about 7% of the company's enterprise value or 24% of the revenues. This division includes a number of prominent newspapers (Times of London, The Wall Street Journal, New York Post, The Australian and the Sun) and HarperCollins book publisher, all of which are valued for around USD 5 billion. Meanwhile, its entertainment business is more profitable with revenues of USD 23.5 billion last year, accounting for around 75% of the firm's profit and almost all of the operating revenue in the first half of the fiscal year. News Corp's television and film business consists of the Fox News channel, Fox broadcasting network and 20th Century Fox film studio. Experts are saying that the move to split the news and media o

Embattled Rupert Murdoch's empire, News Corp. appears to be planning a spin-off of its core businesses. Its own flagship newspaper, The Wall Street Journal, has reported this week that the company's board is considering a proposal that will make its publishing arm into a separate company. Springhill Group Home analysts expect such separation of assets would appease regulators and could help it to avoid selling a USD 6.9 billion stake. Fortunately, the same became true for investors as the announcement was met with the rallying of News Corp's stock to 8.3% high - the highest level it has reached since 2007. "News Corp. has one of the best TV businesses, but some people like musty, dusty publishing companies that pay great dividends. It's a good thing for shareholders." said an analyst from Lazard Capital. The media conglomerate has not yet specified which business units would be grouped together but the company is reportedly mulling to separate the entertainment operations from the book and newspaper publishing one. News Corp's publishing business brought in USD 8.8 billion in profit last year, accounting for about 7% of the company's enterprise value or 24% of the revenues. This division includes a number of prominent newspapers (Times of London, The Wall Street Journal, New York Post, The Australian and the Sun) and HarperCollins book publisher, all of which are valued for around USD 5 billion. Meanwhile, its entertainment business is more profitable with revenues of USD 23.5 billion last year, accounting for around 75% of the firm's profit and almost all of the operating revenue in the first half of the fiscal year. News Corp's television and film business consists of the Fox News channel, Fox broadcasting network and 20th Century Fox film studio. Experts are saying that the move to split the news and media operations from its more profitable film and TV busin

The move came after the Department of Special Investigation (DSI) obtained information that a Thai company had struck a deal to buy 10 billion pseudoephedrine-based cold tablets from a Chinese firm. Previously, the DSI obtained information that the firm also signed a deal to buy 850 million tablets, or 40 tonnes of the medicine, from South Korea. The DSI found that 87 million cold tablets were transported into Thailand from South Korea by plane on nine occasions since 2010. They had false air cargo manifests to avoid attracting attention from the authorities. The DSI suspected the medicines were smuggled in from South Korea. The DSI is investigating two companies suspected of being involved in the smuggling of the pills from overseas. The companies are UTAC Thai Co Ltd, a supplier of integrated circuits, and TVR Group Co Ltd, a car dealer and vehicle hire firm. Some information relating to the drug purchases was uncovered at the companies during recent searches of their premises but the firms denied any involvement. Mr Tarit said yesterday DSI officials also discovered a contract to buy 10 billion pseudoephedrine-based cold tablets from China during the search at UTAC Thai Co Ltd. Under the contract, the first batch of 2 million tablets was to have been shipped to Thailand on July 31, 2009. He said the DSI also found a photo showing a man collecting the pills from Suvarnabhumi airport cargo warehouse. The cold tablets from China and South Korea have the same brand name of COLCOLCO, he said. Mr Tarit said DSI officials also searched the company's factory but there was nothing amiss. However, it was found that the company had three South Korean executives and one Thai executive, Mr Tarit said. He said the Korean Food and Drug Administration recently sent information regarding the nine shipments of pills which showed the contract to buy the cold tablets from South Korean was signed by UTAC Thai Co. Mr Tarit

Previously, the DSI obtained information that the firm also signed a deal to buy 850 million tablets, or 40 tonnes of the medicine, from South Korea. The DSI found that 87 million cold tablets were transported into Thailand from South Korea by plane on nine occasions since 2010. They had false air cargo manifests to avoid attracting attention from the authorities. The DSI suspected the medicines were smuggled in from South Korea. The DSI is investigating two companies suspected of being involved in the smuggling of the pills from overseas. The companies are UTAC Thai Co Ltd, a supplier of integrated circuits, and TVR Group Co Ltd, a car dealer and vehicle hire firm. Some information relating to the drug purchases was uncovered at the companies during recent searches of their premises but the firms denied any involvement. Mr Tarit said yesterday DSI officials also discovered a contract to buy 10 billion pseudoephedrine-based cold tablets from China during the search at UTAC Thai Co Ltd. Under the contract, the first batch of 2 million tablets was to have been shipped to Thailand on July 31, 2009. He said the DSI also found a photo showing a man collecting the pills from Suvarnabhumi airport cargo warehouse. The cold tablets from China and South Korea have the same brand name of COLCOLCO, he said. Mr Tarit said DSI officials also searched the company's factory but there was nothing amiss. However, it was found that the company had three South Korean executives and one Thai executive, Mr Tarit said.

The move came after the Department of Special Investigation (DSI) obtained information that a Thai company had struck a deal to buy 10 billion pseudoephedrine-based cold tablets from a Chinese firm. Previously, the DSI obtained information that the firm also signed a deal to buy 850 million tablets, or 40 tonnes of the medicine, from South Korea. The DSI found that 87 million cold tablets were transported into Thailand from South Korea by plane on nine occasions since 2010. They had false air cargo manifests to avoid attracting attention from the authorities. The DSI suspected the medicines were smuggled in from South Korea. The DSI is investigating two companies suspected of being involved in the smuggling of the pills from overseas. The companies are UTAC Thai Co Ltd, a supplier of integrated circuits, and TVR Group Co Ltd, a car dealer and vehicle hire firm. Some information relating to the drug purchases was uncovered at the companies during recent searches of their premises but the firms denied any involvement. Mr Tarit said yesterday DSI officials also discovered a contract to buy 10 billion pseudoephedrine-based cold tablets from China during the search at UTAC Thai Co Ltd. Under the contract, the first batch of 2 million tablets was to have been shipped to Thailand on July 31, 2009. He said the DSI also found a photo showing a man collecting the pills from Suvarnabhumi airport cargo warehouse. The cold tablets from China and South Korea have the same brand name of COLCOLCO, he said. Mr Tarit said DSI officials also searched the company's factory but there was nothing amiss. However, it was found that the company had three South Korean executives and one Thai executive, Mr Tarit said. He said the Korean Food and Drug Administration recently sent information regarding the nine shipments of pills which showed the contract to buy the cold tablets from South Korean was signed by UTAC Thai Co. Mr Tarit said the DSI'

The move came after the Department of Special Investigation (DSI) obtained information that a Thai company had struck a deal to buy 10 billion pseudoephedrine-based cold tablets from a Chinese firm. Previously, the DSI obtained information that the firm also signed a deal to buy 850 million tablets, or 40 tonnes of the medicine, from South Korea. The DSI found that 87 million cold tablets were transported into Thailand from South Korea by plane on nine occasions since 2010. They had false air cargo manifests to avoid attracting attention from the authorities. The DSI suspected the medicines were smuggled in from South Korea. The DSI is investigating two companies suspected of being involved in the smuggling of the pills from overseas. The companies are UTAC Thai Co Ltd, a supplier of integrated circuits, and TVR Group Co Ltd, a car dealer and vehicle hire firm. Some information relating to the drug purchases was uncovered at the companies during recent searches of their premises but the firms denied any involvement. Mr Tarit said yesterday DSI officials also discovered a contract to buy 10 billion pseudoephedrine-based cold tablets from China during the search at UTAC Thai Co Ltd. Under the contract, the first batch of 2 million tablets was to have been shipped to Thailand on July 31, 2009. He said the DSI also found a photo showing a man collecting the pills from Suvarnabhumi airport cargo warehouse. The cold tablets from China and South Korea have the same brand name of COLCOLCO, he said. Mr Tarit said DSI officials also searched the company's factory but there was nothing amiss. However, it was found that the company had three South Korean executives and one Thai executive, Mr Tarit said. He said the Korean Food and Drug Administration recently sent information regarding the nine shipments of pills which showed the contract to buy the cold tablets from South Korean was signed by UTAC Thai Co. Mr Tarit

If you've got a junk email folder full of spam, there's nearly a 10 percent chance it came from a computer in India, the world's new top spam producer. India claimed the unwanted crown from the U.S. in the security firm Sophos' most recent "Dirty Dozen" report of the top spamming countries between January and March. Rounding out the infamous top five are South Korea, which accounts for 8.3 percent of spam, and Indonesia and Russia, both of which distribute 5 percent of the spam clogging up inboxes. Trailing Russia are Italy (4.9 percent ), Brazil (4.3 percent), Poland (3.9 percent), Pakistan (3.3 percent), Vietnam (3.2 percent), Taiwan (2.9 percent) and Peru (2.5 percent). [The 10 Biggest Online Security Myths - And How to Avoid Them] According to Sophos' chief technical officer Graham Cluley, the computers in these high-spamming countries might be sending out their junk messages without the complicity of the computers' actual owners. "The vast majority of spam comes from home computers that have been compromised by hackers, and commandeered into a botnet," Cluley explained. Botnets, short for "robot networks," function like automated zombie armies; infected with a malicious piece of software that puts them under the control of a remote operator, they carry out the orders of the command-and-control server - including sending mass amounts of spam emails - all without the computer owner's knowledge. Cluley said total spam output has actually decreased since the same time period last year. He credited this decline to cybercriminals switching up their approach; they are crafting more targeted email scams, and taking advantage of the massive popularity of social networks like Facebook and, more recently, Pinterest, to do the scam-spreading work for them. Fortunately, whatever country you're in, you can download anti-virus software that can help prevent th

If you've got a junk email folder full of spam, there's nearly a 10 percent chance it came from a computer in India, the world's new top spam producer. India claimed the unwanted crown from the U.S. in the security firm Sophos' most recent "Dirty Dozen" report of the top spamming countries between January and March. Rounding out the infamous top five are South Korea, which accounts for 8.3 percent of spam, and Indonesia and Russia, both of which distribute 5 percent of the spam clogging up inboxes. Trailing Russia are Italy (4.9 percent ), Brazil (4.3 percent), Poland (3.9 percent), Pakistan (3.3 percent), Vietnam (3.2 percent), Taiwan (2.9 percent) and Peru (2.5 percent). [The 10 Biggest Online Security Myths - And How to Avoid Them] According to Sophos' chief technical officer Graham Cluley, the computers in these high-spamming countries might be sending out their junk messages without the complicity of the computers' actual owners. "The vast majority of spam comes from home computers that have been compromised by hackers, and commandeered into a botnet," Cluley explained. Botnets, short for "robot networks," function like automated zombie armies; infected with a malicious piece of software that puts them under the control of a remote operator, they carry out the orders of the command-and-control server - including sending mass amounts of spam emails - all without the computer owner's knowledge. Cluley said total spam output has actually decreased since the same time period last year. He credited this decline to cybercriminals switching up their approach; they are crafting more targeted email scams, and taking advantage of the massive popularity of social networks like Facebook and, more recently, Pinterest, to do the scam-spreading work for them. Fortunately, whatever country you're in, you can download anti-virus software that can help prevent these spam-spewing armies from enlisting

If you've got a junk email folder full of spam, there's nearly a 10 percent chance it came from a computer in India, the world's new top spam producer. India claimed the unwanted crown from the U.S. in the security firm Sophos' most recent "Dirty Dozen" report of the top spamming countries between January and March. Rounding out the infamous top five are South Korea, which accounts for 8.3 percent of spam, and Indonesia and Russia, both of which distribute 5 percent of the spam clogging up inboxes. Trailing Russia are Italy (4.9 percent ), Brazil (4.3 percent), Poland (3.9 percent), Pakistan (3.3 percent), Vietnam (3.2 percent), Taiwan (2.9 percent) and Peru (2.5 percent). [The 10 Biggest Online Security Myths - And How to Avoid Them] According to Sophos' chief technical officer Graham Cluley, the computers in these high-spamming countries might be sending out their junk messages without the complicity of the computers' actual owners. "The vast majority of spam comes from home computers that have been compromised by hackers, and commandeered into a botnet," Cluley explained. Botnets, short for "robot networks," function like automated zombie armies; infected with a malicious piece of software that puts them under the control of a remote operator, they carry out the orders of the command-and-control server - including sending mass amounts of spam emails - all without the computer owner's knowledge. Cluley said total spam output has actually decreased since the same time period last year. He credited this decline to cybercriminals switching up their approach; they are crafting more targeted email scams, and taking advantage of the massive popularity of social networks like Facebook and, more recently, Pinterest, to do the scam-spreading work for them. Fortunately, whatever country you're in, you can download anti-virus software that can help prevent these spam-spewing armies from enlisting

TELEGRAPH UK - Four pairs in the women's doubles were disqualified from the Olympics for underperforming in the final group stages on Tuesday night as they deliberately tried to lose by spraying shots wide or into the net to secure an easier quarter-final draw. The players, the Chinese world champions Wang Xiaoli and Yu Yang, Greysia Poli and Meiliana Jauhari of Indonesia and two South Korean pairs, Jung Kyung-eun and Kim Ha-na, and Ha Jung-eun and Kim Min Jung, were jeered by the crowd. The organising committee for the Games will not be offering refunds to spectators who attended on Tuesday evening, despite Lord Coe describing the incident as "depressing" and asking: "Who wants to sit through something like that?" Officials from the sport's governing body conducted a frantic round of meetings as they hastily arranged a disciplinary panel. An official announcement of its findings was only made public as spectators took their seats for last night's women's doubles quarter-finals. Pairs from Canada, South Africa, Russia and Australia, who had thought their Olympics were over, had to hastily prepare for a return to court in front of a sell-out crowd. "We found out we were playing at 3 o'clock," said Michelle Edwards, of South Africa. "Everything was so last minute. We packed our bags, rush, rush, rush and here we are. The mental preparation was almost zero." South Africa lost 2-0 to Russia but Australia took Canada to three sets before losing. The episode was deeply embarrassing for the badminton authorities who would have been aware that Jacques Rogge, president of the International Olympic Committee, recently described match fixing as the biggest threat to the Games. With all athletes and coaches swearing to uphold the Olympic oath at the opening ceremony, this damaged the integrity of the Games. The stakes were high for the badminton authorities with the prospect of two sports being removed from the Olympics before Rio 2016. "We are very

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