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Home » Computers And Internet Articles » Rid Your Computer Of Spyware

Rid Your Computer Of Spyware

Everyone seems to be asking these days: why is my computer so slow? Well, the answer to that question is usually that it's loaded with programs called spyware and adware. Spyware and adware are programs installed, usually without your permission, on your computer so companies can show their advertisements, log what sites you visit so they know what products you're interested in and record keystrokes on your computer so they know what you're talking about. Below are 3 easy steps to take to start protecting and eliminating your spyware and adware problem on your home computer.

First, stop using Internet Explorer! I know you may be shocked, but Microsoft's internet browser has more holes in it than Swiss cheese! The best alternative is Mozilla's Firefox, available for free download at Mozilla.org. After installing the browser, it will automatically transfer your bookmarks/favorites and settings over to Firefox. Also, please make sure Firefox is your default browser. Using Firefox will reduce the amount of spyware and adware on your computer by 75%.

Secondly, download these two free programs: Spybot (safer-networking.org/en/index.html) and Ad-Aware (lavasoftusa.com/software/adaware/). These two free programs will search throughout your computer, find the spyware and adware and allow you to quarantine and delete it. To be completely safe, be sure to run and update both of these programs twice a week. This will get rid of all spyware and adware currently on your computer and bring your protection level up to 95%.

Finally, be sure to use a firewall. A firewall is just what it sounds like, a "wall" between your internet connection and your computer. If you have a high speed broadband connection, a firewall is a must. Most Windows XP systems have a built in firewall that you can simply enable (check Microsoft's help files if you don't know how) but if you're looking for more protection but don't want to pay, simply download Zone Alarm's free firewall at tinyurl.com/7cn6a. Zone alarm's firewall may take awhile to configure, but it is worth it in the long run. With a properly configured firewall, your protection level is now at 100%.

Good luck and be safe!

And here is another random article you might be interested in...

How (NOT) to Buy Mutual Funds

When it comes to mutual funds, there is a lot more to success than just finding a good one. Sad investment stories like the following are all too common. I hope my sharing it with you will help you avoid making the same devastating financial mistake one of my former clients made.

This story begins during the height of the investment madness in 2000, just prior to the bear market. I had been managing an IRA account for "Bob" for around six years, with a better than average record of success. So I was surprised when Bob sheepishly called in July, 2000 to let me know he was transferring his IRA account, which had done particularly well during our latest Buy cycle going into the year 2000.

However, his tax preparer, a long time personal friend of Bob's wife's, was now also offering investment services, having recently received his Registered Representative's license.

Fast forward to the end of September. It had become increasingly clear to me that the Bull market had run its course. So, in accordance with the Sell signal from our trend tracking methodology, we sold all of our mutual fund positions on October 13, 2000 and went 100% into money market. (See my article "How we eluded the Bear in 2000" at http://www.successful-investment.com/articles12.htm). From our safe haven we watched the market crash and burn, causing most other investors to sustain double digit losses eventually reaching as high as 50 - 60% of their assets.

In 2002 Bob unexpectedly stopped by my office. As it turned out, things had not gone well at all with his IRA investments. As most advisors would have done, his tax preparer/advisor had quickly moved all of Bob's assets into a variety of "load funds."

Of course, being newly licensed he was clueless (as were many licensed advisors) as to market behavior or analysis of any kind. The end result was that Bob's portfolio lost in excess of 50% over the next 2 years. (Not to gloat, but my clients' losses in the same period were non-existent.)

Unfortunately, the degree of loss Bob sustained was experienced by many investors who did not follow a disciplined and methodical approach.

What I find particularly distasteful is that Bob's tax preparer misused his position of trust. He made financial decisions that he was not qualified to make, though his license implied that he did know enough to make them. So now we know what a piece of paper is worth.

This is no different than letting a newly graduated medical student with a fresh MD behind his name perform heart surgery. Or, hiring a new MBA grad to Chief Financial Officer of a Fortune 500 company. Yet the financial services industry allows someone to get a license (after a fairly short course) and to immediately start making incredibly important and far reaching financial decisions for anyone he or she can sell their service to.

This is a worrisome trend in this industry. A CPA friend confirmed that he has been approached many times by firms wanting him to offer investment services.

Why? It's easy money! Accountants and tax professionals have a great business base. They are in a unique position of trust, because of the information their clients disclose to them. Whether they are employed by a company or they maintain an individual practice, there is probably no other person (other than your spouse) who knows as many intimate details of your financial life as your accountant/tax preparer.

To abuse this trust for personal gain—no matter how noble the motive may appear—is a total conflict of interest and a huge betrayal.

The bear market of 2000 has shown that investing must be a disciplined endeavor. Even most professionals have failed to recognize this. What busy accountant, in the middle of tax season, can put the necessary time and attention to a volatile investment market that may require action at a moment's notice?

As for Bob, he's still with his accountant, and in the same investments that brought his portfolio down. He's hoping for a miracle recovery. As of this writing, the stock market is engaged in something of an upswing and Bob, I'm sure, is getting his hopes up that he will recover some of his losses. However, I shudder to think that this rally may come to an end and the bear market resumes. Where will Bob be then?

At 58 years old Bob is still playing Russian roulette with his retirement. He's apparently unable to make a decision to move to someone who has the ability to make sense of market trends and the discipline to follow the signals they communicate. This is a decision that will have a profound affect on his financial future—and will determine whether his story has a happy or sad ending.