Phishing is a common form of Internet piracy. It is deployed to steal users' personal and confidential information like bank account numbers, net banking passwords, credit card numbers, personal identity details etc. Later the perpetrators may use the information for siphoning money from the victim's account or run up bills on victim's credit cards. In the worst case one could also become the victim of identity theft. A few customers of some other Indian banks have been affected by the attempt of phishing during the early 2006. Even the most high-tech phishing scams work like old-fashioned con jobs, in which a phisher convinces his mark that he is reliable and trustworthy Since most people won't reveal their bank account, credit card number or password to just anyone, phishers are taking extra steps to trick their victims into giving up this information. This kind of deceptive attempt to get information is called social engineering. 

I  would like you to be aware of methodologies in a 'Phishing' attack, do's and don'ts in sharing of personal information and the action to be taken in case you fall prey to a phishing attempt.

Methodologies:

Phishing attacks use both social engineering and technical subterfuge to steal customers' personal identity data and financial account credentials.

1.Customer receives a fraudulent e-mail seemingly from a legitimate Internet address. 

2.The email invites the customer to click on a hyperlink provided in the mail.
3.Click on the hyperlink directs the customer to a fake web site that looks similar to the genuine site.
4.Usually the email will either promise a reward on compliance or warn of an impending penalty on non-compliance.
5.Customer is asked to update his personal information, such as login ID, passwords and credit card and bank account numbers etc.
6.Customer provides personal details in good faith. Clicks on 'submit' button.
He gets an error page or redirects to Bank’s genuine site after capturing the details given.
Customer falls prey to the phishing attempt. 

Don'ts:

1.Do not click on any link, which has come through e-mail. It may contain malicious code or could be an attempt to 'Phish'
2 If you get an e-mail that you believe is a phishing attempt, You do not reply to it .
3. Do not click on the links provided in the mail.
4. Do not provide your personal information.
5. Do not provide any information on a page, which might have come up as a pop-up window.
6. Never provide your password over the phone or in response to an unsolicited request over e-mail.
7. Always remember that information like password, PIN, TIN, etc are strictly confidential and are not known even to employees/service personnel of the Bank. You should therefore, never divulge such information even if asked for.
8. Avoid using cyber café / public PCs for logging into financial web sites. 

Do's:

Bookmark genuine web site and always logon to a site by selecting the saved bookmark.
Give your user Id and password only at the authenticated login page.
Before providing your user id and password please ensure that the page displayed is an https:// page and not an http:// page. Please also look for the lock sign ( ) at the right bottom of the browser and the certificate from the verification authorities.
Provide your personal details over phone/Internet only if you have initiated a call or session and the counter party has been duly authenticated by you.
Please remember that bank would never ask you to verify your account information through e-mail. 

What to do if you have accidentally revealed password/PIN/TIN etc:

If you feel that you have been phished or you have provided your personal information at a place you should not have, please carry out following immediately as a damage mitigation measure.
Change your password immediately from a secure desktop. If you use the same password at other sites, it is suggested you to change your passwords there, too.
Report to the bank/service provider by mailing them immediately at their address/website.
Check your account statement and ensure that it is correct in every respect.
Report any erroneous entries to Bank/service provider immediately. 

Only you can take care of your own interests. Please take care.

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Why do some people get all the luck while others never get the breaks they deserve?
By Professor Richard Wiseman, University of Hertfordshire 

After reading this article I analyzed with the number of people I have met. Seems True!!!

A psychologist says he has discovered the answer:

Ten years ago, I set out to examine luck. I wanted to know why some people are always in the right place at the right time, while others consistently experience ill fortune. I placed advertisements in national newspapers asking for people who felt consistently lucky or unlucky to contact me.

Hundreds of extraordinary men and women volunteered for my research and over the years, I have interviewed them, monitored their lives and had them take part in experiments. The results reveal that although these people have almost no insight into the causes of their luck, their thoughts and behaviour are responsible for much of their good and bad fortune. Take the case of seemingly chance opportunities. Lucky people consistently encounter such opportunities, whereas unlucky people do not.

I carried out a simple experiment to discover whether this was due to differences in their ability to spot such opportunities. I gave both lucky and unlucky people a newspaper, and asked them to look through it and tell me how many photographs were inside. I had secretly placed a large message halfway through the newspaper saying: "Tell the experimenter you have seen this and win £250." This message took up half of the page and was written in type that was more than two inches high. It was staring everyone straight in the face, but the unlucky people tended to miss it and the lucky people tended to spot it. 

Unlucky people are generally more tensed than lucky people, and this anxiety disrupts their ability to notice the unexpected. As a result, they miss opportunities because they are too focused on looking for something else. They go to parties intent on finding their perfect partner and so miss opportunities to make good friends. They look through newspapers determined to find certain types of job advertisements and miss other types of jobs.

Lucky people are more relaxed and open, and therefore see what is there rather than just what they are looking for. My research eventually revealed that lucky people generate good fortune via four principles. They are skilled at creating and noticing chance opportunities, make lucky decisions by listening to their intuition, create self-fulfilling prophesies via positive expectations, and adopt a resilient attitude that transforms bad luck into good.

Towards the end of the work, I wondered whether these principles could be used to create good luck. I asked a group of volunteers to spend a month carrying out exercises designed to help them think and behave like a lucky person. 

Dramatic results. These exercises helped them spot chance opportunities, listen to their intuition, expect to be lucky, and be more resilient to bad luck. One month later, the volunteers returned and described what had happened. The results were dramatic: 80% of people were now happier, more satisfied with their lives and, perhaps most important of all, luckier.

The lucky people had become even luckier and the unlucky had become lucky. Finally, I had found the elusive "luck factors Here are Professor Wiseman's four top tips for becoming lucky:

1) Listen to your gut instincts - they are normally right

2) Be open to new experiences and breaking your normal routine

3) Spend a few moments each day remembering things that went well

4) Visualize yourself being lucky before an important meeting or telephone call.

Luck is very often a self- fulfilling prophecy

You are lucky!!!!!

There are painters who transform the sun to a yellow spot, but there are others who with the help of their art and their intelligence, transform a yellow spot into the sun.
- Pablo Picasso

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Don't miss even a single word...

An atheist professor of philosophy speaks to his class on
the problem science has with GOD, The Almighty.
He asks one of his new students to stand and.....

Prof: So you believe in GOD?
Student: Absolutely, sir.

Prof: Is GOD good?
Student: Sure.

Prof: Is G0D all-powerful?
Student: Yes.

Prof: My brother died of cancer even though he prayed to GOD to heal him. Most of us would attempt to help others who are ill. But GOD didn't. How is this GOD good then? Hmm?

(Student is silent.)

Prof: You can't answer, can you? Let's start again, young fellow. Is GOD good?
Student: Yes.

Prof: Is Satan good?
Student: No.

Prof: Where does Satan come from?
Student: From.... GOD...

Prof: That's right. Tell me son, is there evil in this world?
Student: Yes.

Prof: Evil is everywhere, isn't it? And GOD did make everything. Correct?
Student: Yes.

Prof: So who created evil?
(Student does not answer.)

Prof: Is there sickness? Immorality? Hatred? Ugliness? All these terrible things exist in the world, don't they?
Student: Yes, sir.

Prof: So, who created them?
(Student has no answer.)


Prof: Science says you have 5 senses you use to identify and observe the world around you. Tell me, son...Have you ever seen GOD?
Student: No, sir.

Prof: Tell us if you have ever heard your GOD?
Student: No, sir.

Prof: Have you ever felt your GOD, tasted your GOD, smelt your GOD? Have you ever had any sensory perception of GOD for that matter?
Student: No, sir. I'm afraid I haven't.

Prof: Yet you still believe in HIM?
Student: Yes.

Prof: According to empirical, testable, demonstrable protocol, science says your GOD doesn't exist. What do you say to that, son?
Student: Nothing. I only have my faith.

Prof: Yes. Faith. And that is the problem science has.
Student: Professor, is there such a thing as heat?
Prof: Yes.

Student: And is there such a thing as cold?
Prof: Yes.
Student: No sir. There isn't.
(The lecture theatre becomes very quiet with this turn of
events.)

Student: Sir, you can have lots of heat, even more heat, superheat, mega heat, white heat, a little heat or no heat. But we don't have anything called cold. We can hit 458 degrees below zero, which is no heat, but we can't go any further after that. There is no such thing as cold. Cold is only a word we use to describe the absence of heat we cannot measure cold. Heat is energy. Cold is not the opposite of heat, sir, just the absence of it.
(There is pin-drop silence in the lecture theatre.)

Student: What about darkness, Professor? Is there such a
thing as darkness?
Prof: Yes. What is night if there isn't darkness?

Student: You're wrong again, sir. Darkness is the absence of something. You can have low light, normal light, bright light, flashing light.... But if you have no light constantly, you have nothing and it's called darkness, isn't it? In reality, darkness isn't. If it were you would be able to make darkness darker, wouldn't you?
Prof: So what is the point you are making, young man?

Student: Sir, my point is your philosophical premise is flawed.
Prof: Flawed? Can you explain how?

Student: Sir, you are working on the premise of duality. You argue there is life and then there is death, a good GOD and a bad GOD. You are viewing the concept of GOD as something finite, something we can measure. Sir, science can't even explain a thought. It uses electricity and magnetism, but has never seen, much less fully understood either one. To view death as the opposite of life is to be ignorant of the fact that death cannot exist as a substantive thing. Death is not the opposite of life: just the absence of it.

Now tell me, Professor. Do you teach your students that they
evolved from a monkey?

Prof: If you are referring to the natural evolutionary process, yes, of course, I do.
Student: Have you ever observed evolution with your own eyes, sir?
(The Professor shakes his head with a smile, beginning to
realize where the argument is going.)

Student: Since no one has ever observed the process of evolution at
work and cannot even prove that this process is an on-going
endeavor, are you not teaching your opinion, sir? Are you
not a scientist but a preacher? (The class is in uproar.)

Student: Is there anyone in the class who has ever seen the
Professor's brain?
(The class breaks out into laughter.)
Student: Is there anyone here who has ever heard the Professor's brain, felt it, touched or smelt it? No one appears to have done so. So, according to the established rules of empirical, stable, demonstrable protocol, science says that you have no brain, sir. With all due respect, sir, how do we then trust your lectures, sir?
(The room is silent. The professor stares at the student, his face unfathomable.)

Prof: I guess you'll have to take them on faith, son.
Student: That is it sir... The link between man & GOD is FAITH.
That is all that keeps things moving & alive.

NB: I believe you have enjoyed the conversation...and if so...you'll probably want your friends/colleagues to enjoy the same...won't you?

This is a true story, and the student was none other than.........

APJ Abdul Kalam, the former president of India

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10 most stupid questions people usually ask in obvious situations.

1. At the movies: When you meet acquaintances/friends...
Stupid Question:-
Hey, what are you doing here?
Answer:-
Dont u know, I sell tickets in black over here..

2. In the bus: A heavy lady wearing pointed high-heeled shoes steps on your feet...
Stupid Question:-
Sorry, did that hurt?
Answer:-
No, not at all, I'm on local anesthesia.....why don't you try again.

3. At a funeral: One of the teary-eyed people ask...
Stupid Question:-
Why, why him, of all people.
Answer:-
Why? Would it rather have been you?

4. At a restaurant: When you ask the waiter
Stupid Question:-
Is ! the "Butter Paneer Masala" dish good??
Answer:-
No, its terrible and made of adulterated cement. We occassionaly also spit in it.

5. At a family get-together: When some distant aunt meets you after years...
Stupid Question:-
Munna, Chickoo, you've become so big.
Answer:-
Well you haven't particularly shrunk yourself.

6. When a friend announces her wedding, and you ask...
Stupid Question:-
Is the guy you're marrying good?
Answer:-
No,he's a miserable wife-beating , insensitive lout...it's just the money.

7. When you get woken up at midnight by a phone call...
Stupid Question:-
Sorry. were you sleeping?
Answer:-
No. I was doing research on whether the Zulu tribes in Africa marry or not. You thought I was sleeping....you dumb witted moron.

8. When you see a friend/colleague with evidently shorter hair...
Stupid Question:-
Hey have you had a haircut?
Answer:-
No, its autumn and I'm shedding......

9. At the dentist when he's sticking pointed objects in your mouth...
Stupid Question:-
Tell me if it hurts?
Answer:-
No it wont. It will just bleed.

10. You are smoking a cigarette and a cute woman asks...
Stupid Question:-
Oh, so you smoke.
Answer:-
Gosh, it's a miracle .......it was a piece of chalk and now it's in flames!!!

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Modern Panchtantra Story [ IT HUMOR ]

Once upon a time , there was a software engineer who used to develop programs on his Pentium machine, sitting under a tree on the banks of a river. He used to earn his bread by selling those programs in the Sunday market.

One day, while he was working, his machine tumbled off the table and fell in the river. Encouraged by the Panchatantra story of his childhood

( the woodcutter and the axe )

He started praying to the River Goddess. The River Goddess wanted to test him and so appeared only after one month of rigorous prayers. The engineer told her that he had lost his computer in the river.

As usual, the Goddess wanted to test his honesty. She showed him a match box and asked, "

Is this your computer ?

" Disappointed by the Goddess' lack of computer awareness, the engineer replied, " No."

She next showed him a pocket-sized calculator and asked if that was his.
Annoyed, the engineer said "

No, not at all !!"

Finally, she came up with his own Pentium machine and asked if it was his.
The engineer, left with no option, sighed and said "Yes."

The River Goddess was happy with his honesty. She was about to give him all three items, but before she could make the offer, the engineer asked her, "Don't you know that you're supposed to show me some better computers before bringing up my own ?"

The River Goddess, angered at this, replied, "I know that, you stupid donkey! The first two things I showed you were the Trillennium and the Billennium, the latest computers from IBM !". So saying, she disappeared with the Pentium!!

********

Moral: If you're not up-to-date with technology trends, it's better to keep your mouth shut and let people think you're a genius than to open your mouth and remove all doubt.

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No body wants to die ealy.


Telemerase fixes and lengthens parts of chromosomes known as telomeres that control longevity and also important for maintenance of immune system cells.

A research study published in the journal Lancet Oncology reports that sweeping lifestyle changes, including a better diet and reasonable exercise can raise the body levels of the enzyme "telemeres" closely involved in controlling the ageing process.

The lifestyle changes included a diet rich in fruits, vegetables, and whole grains, legumes and soya products, moderate exercise such as walking for half an hour a day, an hour of daily stress management methods such as meditation.

Shortening of telemeres is seen as an indicator of decease risk and premature death in some type of cancer, including breast, prostate, colon and lung cancer.

The above changes any person can easily adopt and increase healthy life.

1. Develop timely good food habits. Fruits and vegetables provide vitamins, minerals and fiber necessary for healthy diet. A diabetic should eat fiber rich fruits like apple, grapefruit, guava, strawberry, melon, papaya, plum, pineapple, orange, musambi, peach, pear, pomegranate, raspberry, tomato etc. They have low GI (Glycemic Index) and promote gradual increase in blood sugar level.

2. Change your habits like induced exercises like climbing the stairs, walking for sundry purchases etc.

3. Think simple. Act simple. Smile and be cheerful always. Put your focused efforts for achievements but take the resultant outcome cool. Take sufficient rest and be with your loved ones. Spending time with your loved ones cheerfully is also a sort of meditation.


Wishing you all a very long and healthy fruitful life

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A borrowed Clipping from my daughters mails. Please read to understand critising people.

Once upon a time there was a painter who had just completed his course under disciplehood of a great painter. This young artist decided to assess his skills of skills so he decided to give his best strokes on the canvass. He took 3 days and painted beautiful scenery.

Suddenly an idea flashed in his mind and he decided to display it on a busy street-square of that small town he was resident of. He wanted people's opinion about his caliber and painting skills..

He put his creation at a busy street-crossing. And just down below a board which read-"Gentlemen, I have painted this piece. Since I'm new to this profession I might have committed some mistakes in my strokes etc. Please put a cross wherever you see a mistake."

While he came back in the evening to collect his painting he was completely shattered to see that whole canvass was filled with Xs (crosses) and some people had even written their comments on the painting.

Disheartened and broken completely he ran to his masters place and burst into tears. Sobbing and crying inconsolably he told his master about what happened and showed the pathetic state of his creation which was filled with marks everywhere. Such was the state that colors were not visible, only things one could see were crosses and correction remarks.

This young artist was breathing heavily and master heard him saying "I'm useless and if this is what I have learnt to paint I'm not worth becoming a painter. People have rejected me completely.. I feel like dying"

Master smiled and suggested "My Son, I will prove that you are a great artist and have learnt a flawless painting."

Young disciple couldn't believe it and said "I have lost faith in me and I don't think I am good enough.. don't make false hopes.."

"Do as I say without questioning it.. It WILL work." Master interrupted him.

"Just paint exactly similar painting once again for me and give it to me. Will you do that for your master?.." Master instructed.

Young artist reluctantly agreed and two days later early morning he presented a replica of his earlier painting to his master. Master took that gracefully and smiled.

"Come with me." master said.

They reached the same street-square early morning and displayed the same painting exactly at the same place. Now master took out another board which read -"Gentlemen, I have painted this piece. Since I'm new to this profession I might have committed some mistakes in my strokes etc. I have put a box with colors and brushes just below. Please do a favor. If you see a mistake, kindly pick up the brush and correct it."

Master and disciple walked back home.

They both visited the place same evening. Young painter was surprised to see that actually there was not a single correction done so far. But master wasn't satisfied as yet and he told his disciple "May be one day was too little a time for people to come up with ideas and take out time out of their busy schedules to correct it so let us keep it here for one more day. Tomorrow is Sunday, so we can expect some corrections coming in."

Next day again they visited and found painting remained untouched..

They say the painting was kept there for a month for no correction came in!

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Once a man went to a Veterinary Doctor in India and said:

Doctor I have come on vacation for a month so that I can get myself treated fully within this period.
Doctor: I think you should go to the Doctor opposite to my clinic, see that board.

Man: No, Doctor, I have come to you only

Doctor: But, gentleman I am a Veterinary Doctor. I am an animal specialist. I do not treat human beings.

Man: I know, Doctor very well and that is why I have come to you only...

Doctor: I can not, because you speak like me, think like me, talk like me which means you are a human being and not an animal.

Man: I know I am a human but listen to my complaints first
Doctor: OK. Tell me.
Man:
I sleep like dog thinking about my work load whole night.
I get up in the morning like a horse
I go to work running like a deer
I work all the day like a donkey
I run around for 11 months like a bull without any holiday.
I wag my tail in front of all my bosses
I play with my children like a monkey if I get time.
I am like a rabbit before my wife

Doctor: are you a Bank Employee?
Man: Yes !!
Doctor: Instead of telling this long history you should have told me
in the beginning itself that you are a Bank Employee. Come man, no
one can treat you better than me. 

This may be oneside of a story of present day Bank employees.

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Interesting Stuff 

In the 1400 ' s a law was set forth in England that a
man was allowed to beat his wife with a stick no thicker
than his thumb. Hence we have 'the rule of thumb'

Many years ago in Scotland , a new game was invented.. It was ruled 'Gentlemen Only...Ladies Forbidden'...and thus, the word GOLF entered into the English language.

The first couple to be shown in bed together on prime time
TV was Fred and Wilma Flintstone.

Men can read smaller print than women can; women can hear
better.

Coca-Cola was originally green.

It is impossible to lick your elbow.

The percentage of Africa that is wilderness: 28% (now get
this...)

The percentage of North America that is wilderness: 38%

The average number of people airborne over the U.S. in any
given hour:
61,000

Intelligent people have more zinc and copper in their hair.


The first novel ever written on a typewriter, Tom Sawyer. 

Each king in a deck of playing cards represents a great
king from history:

Spades - King David
Hearts - Charlemagne
Clubs -Alexander, the Great
Diamonds - Julius Caesar

111,111,111 x 111,111,111 = 12,345,678,987,654,321

Q. If you were to spell out numbers, how far would you have
to go until you would find the letter 'A'?

A. One thousand

Q. What do bulletproof vests, fire escapes, windshield
wipers and laser printers have in common?

A. All were invented by women. 

Q. What is the only food that doesn ' t spoil?

A. Honey

In Shakespeare ' s time, mattresses were secured on bed
frames by ropes. When you pulled on the ropes, the
mattress tightened, making the bed firmer to sleep on. Hence
the phrase...'Goodnight, sleep tight'


It was the accepted practice in Babylon 4,000 years ago
that for a month after the wedding, the bride ' s father
would supply his son-in-law with all the mead he could
drink. Mead is a honey beer and because their calendar was
lunar based, this period was called the honey month, which
we know today as the honeymoon.

In English pubs, ale is ordered by pints and quarts... So
in old England , when customers got unruly, the bartender
would yell at them 'Mind your pints and quarts, and
settle down.'

It ' s where we get the phrase 'mind your P ' s
and Q ' s' 

Many years ago in England , pub frequenters had a whistle
baked into the rim, or handle, of their ceramic cups. When
they needed a refill, they used the whistle to get some
service. 'Wet your whistle' is the phrase inspired
by this practice.


All the best.

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Worth one Rupee!!

Thanks to Ranjan Jain 

A man went out of his village and came back after ten years. He advertised himself, "I have become successful in yoga practice." So naturally villagers surrounded him. "Oh! Really! What yoga practice you have learnt?" they asked him.

"I can walk on the water," he replied. "Oh? Let us see this!" So a big arrangement was made that he'll walk across the river. Then he walked over the water, and crossed the river.

Then one old man came and said, "Sir, what you did was very wonderful, but it’s worth one rupee only."
"Why?" the so-called yogi asked.

The great feat which you display after arduous practice of 10 years is available to me just for 1 rupee. Now you will walk to the other side of the river. I will just take a boat for one rupee and cross the river. I'll do the same thing, so what is your credit? What’s the special benefit that you have derived by spending ten years of time?"

So, those who are actually intelligent, they will see the things in right perspective. What’s the use of spending so much time and effort on something which is temporary and transient? We shouldn’t put our efforts in getting things to show off, but should go for something which will come handy when we embark our final journey!

Let’s go for the real happiness, not for the itch, which is pleasant during the course of itching, but later gives immense burning sensation!

We often spend time in struggling to show what we can get...or what we have achieved .or what we can doing..just to catch the attention of people...to prove ourselves.......true happiness is in humbly enjoying the satisfaction in doing our work..if its really worthwhile....it will really be able to catch worthwhile attention... we need not put an extra effort to draw people' attention ... coz effective & efficient work anyways will do that ....So lets do that which we enjoy the most and have fun instead of doing something JUST to impress someone or to show off!!

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