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Tips for Saving Money on Car Insurance

Car insurance is required by all licensed drivers but many of them don’t know how to find the best rates available. Being complacent and purchasing car insurance without carefully investigating your options or maintaining the same car insurance for the remainder of your life could mean that you are paying too much for your car insurance. Comparison shopping, ensuring that you are receiving all the discounts you qualify for and maintaining a clean driving record are just a few of the money saving tips that can save you a fortune on car insurance.

Comparison shopping for car insurance, even after you are already insured, cannot be underestimated. It is critical that you investigate all of your options before choosing an insurance provider to ensure that you are getting the best possible rate on your car insurance. There are so many factors considered in car insurance policies such as where you live, your driving record, your age and the type of car you drive just to name a few. With all of these factors to consider, it is very possible that you will find that there is a car insurance provider who will offer you a considerably lower rate than other providers.

Even after you have secured insurance for your car, it is wise to periodically check the rates that other providers will offer you. Car insurance as well as your circumstances are perpetually changing and you may find that the provider who is willing to offer you the best car insurance rate varies periodically. Many car insurance providers offer a host of discounts to their clients who qualify for these discounts. These discounts can relate to your driving record, safety features of your car, your age or other factors.

These discounts can result in a tremendous cost savings on your car insurance policy but while many insurance providers offer these discounts, they don’t always advertise them. This means that you may have to do research to determine what type of discounts you may qualify to receive. Carefully, review your car insurance policy to determine which discounts you are already receiving and then contact your car insurance provider to inquire about other discounts that may be available. For example if your driving record is devoid of accidents or tickets, you may qualify for a good driver discount.

Also, if your car has certain safety features such as daytime running lights, you may also qualify for car insurance discounts. Your age can also qualify you for certain car insurance discounts. Some insurance providers also offer discounts to those who insure their house with the same company as they insure their car. Taking advantage of this type of discount can save you money on both your car and home insurance. Being aware of the discounts that are available and ensuring that you are receiving these discounts, can save you a great deal of money on your car insurance.

Finally, maintaining a clean driving record is very important to receiving the best available car insurance rate. While it is true that each car insurance provider is unique in the factors that contribute to lower rates, the one factor that is consistent among all providers of car insurance is that a clean driving record is critical to your rate. Although accidents are sometimes unavoidable, it is imperative that you adhere to all traffic regulations and that you drive safely at all times. This will reduce the number of traffic violations that you incur as well as the number of accidents that you cause. Following these tips will help you to maintain a clean driving record that will keep the cost of your car insurance low.

Many drivers lament paying their monthly car insurance bill because they feel as though the insurance isn’t necessary. Although car insurance is a financial burden that seems superfluous, it does pay off if you are ever in a serious car accident that has significant financial ramifications. For this reason, you should never consider allowing your car insurance to lapse and it is recommended that you search diligently to find the best available rate on your car insurance.

MP3 Encoding Technology

The MP3 is a complete godsend for anyone who enjoys and appreciates good music. Not only does it afford users the convenience of purchasing music online and ripping from purchased CDs, it also provides the utmost ease in portability. There are more MP3 players on the market than I can name. These players allow you to download hundreds and in some cases thousands of MP3’s to take along with you anywhere. I create MP3 CD’s containing up to 120 of my favorite songs for my listening pleasure in my car. But how can so many audio files get stored on my 800MB (Megabyte) CD?

MP3 Encoders and MP3 converters are the software that creates MP3s by using an MP3 compression and decompression algorithm. For example, an average 3 minute WAV file can be as large as 15MB. Using MP3 encoders and MP3 converters, a large WAV file can be cut down to a much smaller and more portable MP3 file of about 3MB.

MP3 stands for MPEG Audio Layer 3. At layer 3, psychoacoustics principles are used to find and remove all unnecessary sound data, leaving behind only the crucial audio data. By unnecessary sound data I mean all of the stuff that we humans don’t hear anyway. Most people can’t hear sounds above 16 kHz so why would you want it hogging your disk or hard drive space? Non-music audio such as speeches, sermons, audio books and comedy albums, can be reduced even less based on this.

Compression occurs after the essential data has been separated from the redundant data. At this stage, the same amount of data can be stored using fewer bits and less space. The bit rate is the ratio of the number of bits transferred between two devices per second. The higher the bit rate, the higher the sound quality. The lower the bit rate ratio, the lower the sound quality. 192 Kb/s is the most popular bit rate used in peer-to-peer networks. For the most part, MP3 converters and encoders today use variable bit rates. This allows for much better quality audio because the bit rate conforms to the dynamics of the audio frames being stored which in turn keeps more of the important music data.

There are dozens of MP3 compressor and encoder software programs available online and at stores. Some of the main encoding engines are: LAME, Blade Enc, Fraunhofer Encoders and Xing. Deciding which MP3 encoding engine technology is right for you depends on your individual needs and preferences. Blaze Media Pro is an excellent option if you're looking for a powerful, yet easy to use, all-in-one multimedia solution.

Where To Find Free Wedding Music Downloads!!

Do you have everything finalized for the wedding except for the
music? If you're one of those people then this is the article
for you to help determine where to find the music. No more
worrying about what song to play for the first dance, or what
song to play during the father/bride dance. There are numerous
sites that have free wedding music downloads for each situation
during the ceremony and reception party.

When thinking of songs to play at a reception, people often
forget all of the events that occur during a reception. There
are certain songs that are best for cocktail hour or group dance
music and so on. It may not be the biggest deal in the world to
find a certain song for each situation, but it will definitely
help the party flow better if the songs coordinate with the
events.

At wedalert.com, you will find wedding music downloads for each
situation broken down into each category. As you click on a
category, it then brings up a list from A-Z on all the songs and
who they are by. You can watch a music video for some, download
the song, or even purchase certain ones on CD.

By going to this site,
http://www.wedalert.com/songs/cocktail/index.asp, you'll find
all the best wedding songs to keep the party running all night
long. Also on the site, there is a wedding music checklist
provided to make sure that you have a song for all the events
during the ceremony and reception. The great thing about this
site is that you can preview all the songs for free and decide
on which songs suite you best.

Most of the sites on the internet simply try to sell you their
products. There are many sites that allow you to preview
various songs and compile a list of your favorite songs. Then
after that, you can purchase songs individually or buy a whole
CD that has some of the classic wedding songs.

At Brilliant Wedding Pages, there is a list of approximately ten
sites that offer sound clips for wedding songs. This site
consists of links to the ten sites as well as a brief
description of what you will find at the sites. With the link
below, you can view all of these great websites and receive a
list of songs to be played at the joyous occasion:

http://www.bwedd.com/CEBride/CEBNewsletter_67.asp

Included in the list of sites is www.new-wedding-traditions.com
and www.amazon.com. At amazon.com you can simply type in a song
or artist that you're looking for. Or you can even type in a
few keywords such as wedding music, and you'll receive a list of
songs. The great thing about amazon.com is that this site
allows you to preview songs and find the ones you like, and then
save them to your computer after downloading them so you can
listen to them over and over. Then you can collect a list of
free wedding music downloads that fulfill your needs and make a
CD of your own.

Now that you have the tools to find the songs for you, start
searching so that you can be at peace knowing your wedding will
be filled with songs that you chose. There is no other
satisfaction then knowing that your wedding is the way that you
want it.

Top 3 Tips For Buying An LCD TV

I want a larger screen and so do you. There is absolutely no reason for this wanting except for the feeling of power that a large screen gives you. I have no idea why it is, but we all seem to want a larger screen for our TVs these days. The question is, how to get a good deal on an LCD TV without paying a fortune. Let’s give you our top 3 tips on buying an LCD TV.

1)Don’t buy a used one if you don’t have to. The funny thing about these TVs is that their prices drop significantly every month and that if you just wait a little longer, the price you’ll pay for a new TV is probably not going to be too far off from the price that you are going to pay for a used one. A little patience might actually save you some dollars here.

2)Compare features, not just prices. One of our favorite places to go to compare prices on LCD Tvs is ConsumerReports.org. Consumer Reports was rating different items way before the internet even become popular. Remember buying your first real car? I do. And I went straight to Consumer Reports to find out that the Honda Accord was the car to buy (and still is according to CR). Shopping for a high end LCD Tv shouldn’t be any different than shopping for a new car. All the resources are at your disposal, so give it a try. I’m sure you can find some gems of information at CR regarding your LCD Tv purchase.

3)HD is coming, don’t miss out. High definition television has allegedly been “right around the corner” for years. Well, that time may finally have arrived. Some LCD Tvs come HD ready and some do not. Make sure your new LCD TV supports HD so that when it is finally popularized, you can watch the programs utilizing this latest technology.

And by the way, why would someone want to buy an LCD TV over a “Plasma”. And what is a plasma? Are they different than LCDs? Basically yes. The big difference is that they use different technologies to deliver a picture. Both have pros and cons. However, both deliver a large screen experience to the user.

3 Simple Ways To Save A Bunch Of Money When Buying A New Computer!

Looking to buy a new computer?

Overwhelmed by all of the options available to you?

Stressed by the high cost of computers today?

For most people, buying a new computer does not have to be as stressful as buying a new car. Nor does it have to be as expensive. If you’re like most people, and you have a limited budget for buying a computer, then you need to try to get as much computer for your money as possible.

Here are 3 simple ways anyone can save money when buying a new computer:

1) Shop around for best deal.

Sounds pretty obvious. But many people don’t realize they don’t need the fastest, most expensive computer with the most “extras”. In fact, if you are already using an older computer, even the least expensive new computer will be a big upgrade. If you don’t know a lot about computers, you can learn a lot by shopping around. Ask lots of questions, compare prices, compare features, then find the best price. Shop at your local electronics store, and look for the best deals online. You’ll be surprised at how much money you can save by shopping around!

2) Install your own “extras”

Many computers you will find in a store have a lot of extra software already installed. While this is convenient, it is not always the best way for you to save money. Also, while many of these extras sound good, you don’t always need them. You can often find better deals by shopping around separately for your own software extras (such as a word processor, anti-virus, popup blocker, spyware removal, games, etc). And some of these you can get for free. So before you buy the “fully loaded” computer, ask yourself if you really need all the extras, then shop around to see if you can buy a scaled down computer - and get the extras yourself for much less!

3) Don’t buy extended warranty

If you are not a computer “techie”, the extended warranties offered by the computer retailers often sound like a good idea. After all, who wants to be bothered paying for service on a computer after you buy it. But keep in mind that most computers come with a warranty, and most computer problems will either happen at the beginning (when you still have the warranty in effect) or much later (when it might be cheaper to buy a new computer). Technology changes very quickly these days. So consider whether or not it’s worth the inflated price of the extended warranty. And, if you really feel you need the extended warranty, then ask to purchase it at a lower price. Not all retailers will negotiate on the warranty, but some will. And whether you buy the extended warranty or not, make sure you back up all your files periodically, just in case!

If you have an unlimited budget, consider yourself lucky. And if you do business on the computer, make sure you get what you need, while trying to keep the price down. At any price, buying something that does not fit your needs is not a good deal.

Hope you find these tips helpful, and happy computer shopping!

Buying E-books On E-bay: E-bay The One-stop E-book Shop

On September 1995, one of the most prestigious online shopping sites was founded. eBay is unique because it allows online shoppers, either as individuals or as a group, a wide variety of merchandise that they can buy, sell or trade within their community, their nation or even other with other countries.

eBay's merchandise reaches to 44 million things on sale at any given time and is added with more than four million of other things to be sold everyday. Their categories include antiques, collectibles, photography, computers, art, toys, electronics, stamps, jewelry, magazines, comics, pottery, e-books and many more.

Electronic books or more popularly known as e-Books are text materials designed to be portable. They are special books that uses a program that enable readers to read it through their hardware devices - like Personal Computers, laptops, palmtops and/or even mobile phones. They are so accessible and can be transferred from one computer to another using a network.

Since e-Bay is one of the country's leading online shopping site, they also provide a selection on must have e-Books. Shopping for e-Books is fairly easy, but one must need some basic online shopping knowledge before they are able to do so. A great recommended book would be eBay Bargain Shopping for Dummies (can be found at eBay) by Marsha Collier. This book would help all online shoppers who to discover the treasure of eBay shopping. Her book spills the beans on how to outwit and outbid your competition - which is a good way to find discounts on all the items up for grabs.

e-Books can be ordered online and delivered electronically to your computer (or mobile phone). This way, there is no shipping and tax expenses and you get your e-Book at a very low price. There are numerous sites that sell e-books in this manner

On the other hand, Instant e-Books do not require additional software or other readers for customers to be able to immediately start reading their e-Books after installing it. And aside from that, there are many free e-Books and other articles written by "eBay gurus."

With eBay, e-Books are just a click away. What could be greater news to all book lovers out there?

LCD Touch Screen Computer Monitor

Liquid Crystal Display Touch Screen Computer Monitor is a widely used monitor as compared to its counterpart Cathode Ray Tube Computer Monitor. LCD Touch Screen Computer Monitor offers exceptional performance at a fairly reasonable price. This high contrast LCD Touch Screen Computer Monitor is brighter than a normal desktop. LCD Monitors feature a standard interface with a power switch to extend the life of the monitor and a reliable internal power supply for easy hook-up via a standard power cord.

LCD Touch Screen Computer Monitors have a sturdy aluminum case and sealed glass construction. It gives LCD Computer Monitors protection against dirt and moisture. All this makes LCD Touch Screen Computer Monitor the ideal choice for a wide variety of applications. If you just plug the LCD into your Touch Screen Computer in place of a CRT, you’d end up running in minutes. The LCD Touch Screen Computer Monitor is the easiest monitor you can use.

LCD Touch Screen Computer Monitors are very popular for eye pleasing clarity and stunning image quality. Many manufacturers produce lots of designs for a wide array of customer monitor solutions, including desktop, touch screen, and open frame units. LCD Touch Screen Computer Monitors are compact, visually impressive, and offer many different touch screen models to fit your needs. Moreover you can get most of these designs at affordable prices.

LCD Touch Screen Computer Monitor was designed to address the key needs of touch applications, resulting in a product that can truly be called "designed for touch." LCD Touch Screen Computer Monitor has a unique combination of flexibility, reliability, performance, easy installation and a distinctive visual appeal. Most of the LCD Touch Screen Monitors have high quality panel with 140°x140° viewing angle, analog and digital (DVI-D) video inputs.

Broadband Internet for High Speed Download of images and dat

Broadband Internet

What is Broadband Service?

Broadband refers to a connection that has capacity to transmit large amount of data at high speed. Presently a connection having download speeds of 256 kbps or more is classified as broadband. When connected to the Internet such a connection allows surfing or downloading much faster than a dial-up or any other narrowband connections.

What are the benefits of broadband

Fast downloads
At least 4.5 times and upto 140 times faster than dial-up connection
Always on connection
Telephone and Internet access can be used together
No telephone call charges
Cost effective way to access Internet
A host of free content on the web can be downloaded faster

What kind of PC do I need to run broadband

The following minimum is, however, recommended:
Processor 200 MHz (or better)
Operating System Windows 98SE (or higher)
RAM (memory) 32 MB RAM
Free Disk Space 125MB
SVGA monitor
CD-ROM Drive
Network Interface Card(NIC) with 10/100 Mbps Ethernet port with RJ45 socket

What is Broadband

Defining broadband can get complicated

There are many different takes on how to actually define the word: broadband. The first and most obvious way to define it is a transmission medium that allows for multiple pathways and types of data, far exceeding simple voice communication devices. Simply, put it is the ability to access a variety of data through one connection at a reasonable speed.

Where a phone line severely limits the amount of information it can transmit, a broadband line, which has bandwidth greater than 2 mbps, unlike a standard dial-up connection which will only have 56kbps, can allow for a variety of different frequencies and channels to travel down its wide pathway. This makes it optimal for those who play video games on the Internet or are involved in heavy graphics work that they need to import, send and receive along the information superhighway.

The minimum width of a broadband line has become a matter of debate. While initially, the broadband definition was a line that was greater than 2 mbps in width, other experts began asserting that it should be at least 3 mbps wide. Still others complain that at least 20 would be appropriate. But now, broadband services start as low as 1 mbps, for those who are trying out broadband for the first time. So who really knows what the minimum level of bandwidth is needed in order for it to be called broadband? One thing is certain though. DSL service which an range from 256 kbps capacity on the downstream and upstream side up to 1.5mbps, or even higher, is considered a broadband service as well. So are cable television modems, which have similar speeds. So, in reality anything with greater capacity than a narrow line, like a telephone line, which can only hold up to 64 kbps, is technically considered a broadband service.

Broadband services have become all the craze in the past few years. When the Internet started to become more mainstream in the 1990s people were content with simple dial-up Internet services, which used only narrow lines. But as the need for speed became important, especially as files and Web pages became more elaborate, requiring more computer storage space and memory, the need for larger bulks of information being able to be sent and received at a quicker pace became essential. Hence, we have the broadband revolution. Today, hardly anyone uses narrow band service, or dial-up. Broadband Internet access is the name of the game. And if you work in an office it is absolutely essential, as larger chunks of information are frequently sent to and from businesses on a regular basis. Simply put, if you don’t have broadband today, you are probably a person who does not need the Internet for a living. With the number of telecommuting jobs available today, the need for broadband services is only likely to expand greatly.

VoIP QUESTIONS AND ANSWERS

1. What is VoIP and what does it stand for?
2. How do I make a VoIP phone call?
3. What equipment do I need for VoIP phone calls?
4. Are there any differences between making a local call or a long distance call?
5. Who can I call if I am using a VoIP service?
6. Are there any advantages in using VoIP phone service?
7. Will I be able to dial 911 emergency services?
8. Will I be able to use my computer while making a VoIP phone call?
9. Will I be able to take my phone adapter with me while traveling?
10. Does my computer need to be running in order to use VoIP service?
11. How will I know when I receive a phone call over my VoIP service?
12. Who regulates VoIP services?
13. What are the computer system requirements for VoIP?
14. Are free trials normally available?
15. How can I improve the sound quality?

1. What is VoIP and what does it stand for?

VoIP stands for Voice over Internet Protocol and it allows you to place telephone calls over a data network like the Internet. It operates by converting your voice signal from your telephone into a digital signal that can then be transmitted over the Internet. The digital signal is then converted at the other end back to a voice signal that the other party can hear. When you use a phone with an adapter the calls are placed just like a regular telephone. You first hear a dial tone then the call is made. You are also able to place a call directly from your computer using a conventional telephone or microphone.

2. How do I make a VoIP phone call?

Making a VoIP phone call is no different from using a regular land line telephone. You pickup the receiver and listen for the dial tone. You can then dial your number as you always have in the past. The call connects to your high-speed Internet connection and travels to your local telephone company's equipment to a VoIP provider which transport the signal through the Internet to the local provider of the party you are calling. They relay the signal to your parties telephone. As an alternative, you may also place the call using your computer's hardware and software, entering the number through your keyboard. The signal is then sent through your cable modem to your local telephone carrier.

3. What equipment do I need for VoIP phone calls?

Your existing incoming high-speed Internet connection should be sufficient but the higher the connectivity the better the signal.
In terms of hardware, you can hook up an inexpensive microphone to your computer or connect a phone directly to a VoIP telephone adaptor (ATA). Or you can use a phone specially made to work with Internet Voice. This is called an SIP phone. Each SIP phone is a network endpoint, and voice is routed via its IP address. It allows a DID (direct inward dialing) number to move with a user. You can move, add or remove stations and never have to call your interconnect/PBX service company. SIP phones also allow full use of advanced features like voice mail to e-mail and auto attendant.

4. Are there any differences between making a local call or a long distance call?

There are many different calling available for VoIP. The calling rates and fixed plans will vary from one vendor to another depending on the service you select. Please make sure to read all of the fine print associated with any plan that you choose.
One thing to keep in mind, however, is that VoIP can blur the difference between local and long distance by issuing a local number for your Internet phone. This allows you to make LOCAL calls to your home area code from that phone, regardless of where you are geographically. All you need is an Internet connection to plug in your phone, it doesn't matter what Internet provider you use, and you can call your local area code from anywhere in the world without paying long distance rates.

5. Who can I call if I am using a VoIP service?

Your calls can be made to any local telephone number, mobile phone, long distance number, or any international number. You may even use the service to speak with more than one person at a time. More importantly, the person you are calling does not need any special equipment; just a regular telephone.

6. Are there any advantages in using VoIP phone service?

If you are using a broadband internet connection, you don't need to maintain and pay the additional cost for a regular land line just to make telephone calls.
With VoIP you're able to talk to many people at the same time. You can set up conference calls with your colleagues, staff, family and friends.
VoIP allows you to reduce interconnect/PBX fees by enabling you to add, move and remove stations from your network without calling your service provider. In addition, you don't have to buy an expensive phone switch to set up your network. VoIP also offers many advanced calling features from caller ID and call forward to voicemail and distinctive ringing to call tracing and reminder calls, among many others. You can also manage your features through the Internet; log-in and customize services that normally you would have to rely on your provider to change - for a fee of course.
Voice over Internet can lower long-distance fees by assigning a local telephone number to your VoIP phone. You will then be able to take your phone anywhere in the world, plug it into any broadband connection regardless of specific provider, and you can make LOCAL calls to your home area code. Parents can keep in touch with children at college; churches can contact missionaries all over the world; and businesses can connect branch offices in different cities.

7. Will I be able to dial 911 emergency services?

Some Internet Voice services have difficulty seamlessly connecting with the 911 dispatch center or identifying the location of Internet Voice 911 callers. Check with your local VoIP provider to determine if they can provide this service in your area.

8. Will I be able to use my computer while making a VoIP phone call?

Yes you most certainly will be able to use your computer while making calls on your VoIP network.

9. Will I be able to take my phone adapter with me while traveling?

You should be able to use your VoIP service wherever you travel as long as you have a high-speed Internet connection available. Your adaptor should work the same as when you are at home or in the office as long as you have access to a high-speed Internet connection.

10. Does my computer need to be running in order to use VoIP service?

Your computer does not need to be turned on but your broadband connection must be active in order for VoIP to function properly. However, if you are not using an adapter and choose to use a microphone or headset with your computer then your computer must be on.

11. How will I know when I receive a phone call over my VoIP service?

Your VoIP phone will ring like any other telephone.

12. Who regulates VoIP services?

The Federal Communications Commission (FCC) has worked to create an environment promoting competition and innovation to benefit consumers. Historically, the FCC has not regulated the Internet or the services provided over it. On February 12, 2004, the FCC found that an entirely Internet-based VoIP service was an unregulated information service. On the same day, the FCC began a broader proceeding to examine what its role should be in this new environment of increased consumer choice and what it can best do to meet its role of safeguarding the public interest. In November 2004 they ruled that States do not have the jurisdiction to impose taxes on VoIP services, another victory for the consumer.

13. What are the computer system requirements for VoIP?

The specific requirements of any VoIP system must be checked with each individual VoIP provider.

14. Are free trials normally available?

You need to check with your selected VoIP provider to determine if a free trial is available. Most VoIP providers will provide some kind of free trial or conditional free trial period. If you are dissatisfied for any reason you should return the equipment in their original packing boxes together with all shipping paperwork and packing slips to ensure they will honor their warrantee.

14. Will I be able to use VoIP behind a firewall?

You need to ask your network administrator regarding any special setting that are required to function through the firewall.

15. How can I improve the sound quality?

* Speak with a headset instead of a microphone. Better still, use a phone with an adaptor.
* If you are using a microphone, hold it away from the speakers to avoid having the sound from your speakers recirculate into your microphone causing feedback.
* Lower the volume on your speakers.
* Check with your sound card manufacturer to be sure you are using the latest drivers.
* Use a direct phone jack. A split line or extension cord between your phone jack and computer can distort the sound causing an echo.

What is VOIP

VoIP stands for; Voice Over Internet Protocol.

What VoIP does is it converts the voice signal from your telephone into a digital signal that travels over the Internet.

This means NO phone charges! And this is why VoIP is such a buzz word today.

VoIP presents businesses and consumers a like with an option to save on their phone bills.

It is very simple to set up and use, and requires very little equipment.

For instance...If you are calling a regular phone number, the signal is then converted back at the other end. Internet Voice can allow you to
make a call directly from a computer.

If you make a call using a phone with an adaptor, you’ll be able to dial just as you always have,and the service provider may also provide a dial tone.

If your service assigns you a regular phone number, then a person can call you
from his or her regular phone without using special equipment.

What Do You Need To Get Started?

A broadband Internet connection is required to make VoIP calls. Some services
allow you to use a regular telephone, as long as you connect it to an adaptor.

Some companies allow you to make calls from a computer or a VoIP phone that doesn’t require an additional adapter.

If you are calling a regular telephone number, the person you are calling does not need any special equipment, just a phone.

More and more companies are entering the VoIP arena everyday. The two most popular are Vontage and SKYPE.

For a low monthly fee you can make unrestricted calls anywhere without incurring any long distant charges. As you can see VoIP can be a real money saving opportunity for smart consumers and businesses.

It is important to compare plans when considering a VoIP provider. Depending on the plan you might be limited only to other subscribers to the service, or you may be able to call any phone number, anywhere in the world. The call can be made to a local number, a mobile phone, a long distance, or an international number.

What Are Some Advantages of VoIP?

Because VoIP is digital, it may offer features and services that are not available with a traditional phone. If you have a broad band Internet connection, you need not maintain and pay the additional cost for a line just to make telephone calls.

Administrator like account

1-Introduction

This article introduce very simple way to get Administrator like account and do the job and after finish recover your way, after that Get Admin Password later in your home by Cracking, After get the Admin Password Create a hidden user account and do all your jobs free, and Explain how to make a USB Storage Device Bootable corresponding to any system boot, and how to bypass Mother Board password by Default Passwords, and how to extract it if you are in the system

2-To Hackers / Security Systems Engineers

First All must know that both Hackers / Security Systems Engineers Are 2 faces to the same coin Any way, I try this on Windows XP SP2 I want all to try it on Windows Server 2003, Windows Vista Any Windows NT and POST a Message to make all know what versions exactly this idea can apply for

3-Close Look to hole

Microsoft stores all Security Information in many files but the main file is the SAM file (
Security Accounts Manager)! this file contain critical information about users account you can explore the folder
$windir$\system32\config
You will find all things and may discover some thing new, but what amazing here is that the file is available, so we can apply our idea
shot1 You will Not be able To copy them Under XP

4-Dose Microsoft Know and Why!?

Yes Microsoft Know all things, and done on purpose why? I always for many years ask my self why Microsoft doesn’t do real security on their systems from the CD setup to all security aspects In the system, I found(my opinion may wrong)that they need to achieve 2 strategic things

1-They need their software spread and all depend on it and in one day when they feel that they are the One The security will done and all money will go to One Pocket

2-They Forced/Like to Make Some Organizations Hack other systems

Proof:
They can make this File SAM Unavailable by storing the information in FAT, FAT32, NTFS Areas (Sectors reserved by The Operating SYSTEM to Store the Addresses of the files on the HardDisk File Allocation Table) So that it is hard to extract. But they don't!!!!!

5-Understand the Idea

The Idea is simple I will explain it manually and it can then be programmed it is so easy here is the idea

The SAM file is available and the SAM file contain a Security Information, so I created a Free Windows XP SP2 Logon account (Administrator Account without password) that means when windows Lunch it Will enter directly to the system without asking about any password And windows will store this Account in The SAM file on My PC So the SAM file on My PC contain an Account will Make you enter Directly to the Windows, so I will take My SAM File and Replace (by renaming, we will need the original file to recover our way) It with the other SAM File in The Other System or Machine So When you restart It will make you enter directly to the Windows With Administrator Like Account ,do what you need and then back all things to the previous state. All These Steps will be under other system bootable DOS, Knoppiex, Windows Live CD, Because Windows XP will not make u able to copy the Files

6-Get Admin Like Account (The Simple Way)


1- Download My 2 SAM files I Include them in Downloads
2- Go to the target Machine , and try to Access it and Boot from any device CD-ROM, Floppy.
3- After Get Access to the Boot Command prompt c:> or Boot Live OS CD, Go to the windows folder $windir$\system32\config And Copy the SAM File and System File (we will need it later) To other folder, Then go to $windir$\repair copy SAM file
And then Rename the 2 SAM Files to SAM1 in their original places
4- Copy My SAM/config File and Paste it in the windows folder $windir$\system32\config Copy My SAM/Repair File and Paste it in the windows folder $windir$\repair (may this step not required)
5- Reboot and Make windows enter Normally
6- Yeah, No You are in The System
7- Copy the files in step 3 to Floppy Disk or Flash Stick Or Send it to your mail via Internet
8- After finish repeat step 2 and delete My SAM files and Rename Both SAM1 to SAM
9- Reboot , Congratulation you recover your way

7-Crack the SAM-Know the real Admin Password and Apply Hint 8

There is many ways I will introduce 2 ways and explain 1 After you get the SAM File and System File there are Programs That extract the Accounts and their passwords, depending on the idea of cracking the HASH (the HASH is one way encryption method) so that The program will generate random passwords and convert them to HASH and then compare it with the HASHES in the SAM File , so it may take a long time but for fast you will pay more money for ready made HASHES with their user names and passwords the 2 program are

1-L0phtcrack v4.0 (LC4 alternate name) the most famous on the NET
2-SAMInside http://www.insidepro.com/I include on the Downloads

I will explain fast SAMInside

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This is the main window press Ctrl+O or by mouse click Import SAM and SYSTEM

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Window will open to import the 2 files and the program will start to crack the Accounts and get them, and then display users names and their passwords

Any other tool will do the job try all and select your best I Explain here SAMInside because he give me results with 6 character only password and get it FAST

8-Creat a Hidden User Accountn

Windows NT / Windows 2000 and Windows XP has a security setting to hide accounts from the Logon Screen/Control panel users accounts
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Ctrl+Alt+Delet
Give you another Access Dialog


Steps:

1-After getting Admin Password enter to the system
2-create an Account with password
3-click start - > Run - > type Regedit press Enter
4-Go to
HKEY_LOCAL_MACHINE\SOFTWARE\Microsoft\WindowsNT\ CurrentVersion\Winlogon\SpecialAccounts\UserList

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5- Create a new DWORD Value on the UserList
6-Name it with Name of Account to be Hidden
7-set the Value Data of this DWORD Value to 0 to hide it /1 to appear it
8- close Regedit and Reboot
9- Press Ctrl+Alt+Delete when logon Screen Appear another login dialog appear type You hidden user name and password and press Enter

Note:

1- the account profile will be visible in \Documents and Settings, But it will be hidden from Logon Screen and User Account in the control panel

2-there is other method that
Inject your Account directly to the Admin SAM without know the Admin Pass, but believe me you don't Expect the result, so if you want try it (if the password hard to get)

9-USB Boot for FAT32, NTFS or any File System


HP Always amazing me to do this we need 2 tools

1- HP USB Disk Storage Format Tool v 2.0.6 I include in Downloads If u want to find more go to http://www.hp.com/
2- NTFSDOS Professional Boot Disk Wizard I include in Downloads If u want to find more go to http://www.winternals.com/
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Just connect your USB Storage
steps:
1- Prepare a Startup Disk or Startup CD , Or any Equivalent
2- In the HP tool select the Device->your USB Storage
3- Select File System FAT or FAT32
4- Check "create a DOS startup disk" checkbox and then select option "using DOS System Files Located at"
5- brows your location
6- Click Start
7- Now you have a Bootable USB Storage Device
8- Now in the NTFSDOS Professional Boot Disk Wizard follow the wizard and you will get a NTFS bootable USB Storage

Why we need NTFS ?
If the Partition of the Windows System is NTFS so with normal Startup you will not be able to access any files because the File System is not Recognized by MS-DOS when we install NTFSDOS Professional on the bootable disk it will allow you To Access any File Under NTFS

Note:
Make sure that the option in Mother board Setup of First Boot "USB-Hard Disk" if you want to boot from a USB