Avoiding insider threats to enterprise security


IBM Protection Privileged Identity Manager aids organizations to securely handle and track the tasks of blessed users, therefore reducing the risk of violations, improving conformity and guaranteeing liability.

The IBM white paper explains exactly how IBM Protection Privileged Identity Supervisor provides enhanced security across numerous IT settings by centralising and controlling using fortunate identities.


Cybersecurity imperatives: reinvent your network security


Cybersecurity has actually become a leading topic both within and past the company boardroom.

Exactly what business have to quit the escalation of cyberattacks is a network safety method that is tailoreded from the start to make it possible for the safe use of the applications and modern technologies needed to support a growing business.


The Best Ways to Invest Your Tax Refund

Okay, so you put TurboTax or H&R Block Online to work and got a fat tax refund this year. What are you going to do with it? If you overpaid your taxes last year, let’s face it – that was money you managed to live without for a full year so why not invest it? Under the right conditions, investing your tax refund is one of the wisest things you can do with that windfall.

I once heard a very wise financial advisor say that investing was like sending money to your future self and I like that thought process. But before you jump headlong into the investment world, make sure you’ve:

Great places to stash your tax refund

Open a brokerage account and begin investing into a Roth IRA (if you qualify). Since Roth IRA’s are funded with after tax dollars, both their principle and their interest can be withdrawn tax free once you reach retirement age. Then, once you fund your Roth, check out Allen Roth’s great book, How A Second Grader Beats Wall Street and direct your money into broad based index funds or Exchange Traded Funds (ETFs).

The brokerage accounts I recommend are:

Once you’ve opened and funded your brokerage account, there are a host of options available. You can:

The main key is to give yourself the opportunity to invest. Without that brokerage account set up and funded, you are just daydreaming.

Another great place to stash your money is in a Certificate of Deposit (CD) from EverBank. CDs from EverBank feature their highest fixed rate for a fixed amount of time – you are only locked in as long as you specify. There is a relatively low minimum deposit to open so if your tax refund wasn’t so “fat” you aren’t left out. Additionally, EverBank promises to keep the yield on your account in the top 5% of Competitive Accounts as measured the last Wednesday of each month in Bankrate Monitor’s National Index, a weekly national survey of rate information surveyed by Bankrate.com.

An important consideration going forward

If you’re getting a small refund, no big deal. But if you’re consistently getting large refunds, you should consider altering your tax withholding so you can put that money to use sooner. Just make sure you don’t spend it!

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What Are My Chances of Being Audited?

Good news! The chance you’ll need an IRS tax attorney because you’re being audited isn’t that great. You have about the same chance of dying in a motor vehicle accident (1:100). Last year the IRS audited 1.1% of the more than 142 million returns filed the year before, but for taxpayers making less than $200,000, the rate dropped a bit to about 1.0%.

However, if you’re in a higher income category, you have more reason to worry, even if you keep a tax attorney on retainer. It seems a higher income is an automatic audit trigger. The tax audit rate of those with incomes higher than $200,000 was 2.7%, and for those earning more than $1 million, the audit rate jumped to 8.4%. Why? Finding a 15% mistake on someone making $40,000/yr has a much different payout than someone making $4,000,000/yr.

Many IRS audits are relatively simple “correspondence” audits. It’s that letter in a plain envelope that you dread and yes, I’ve gotten them – actually I’ve gotten several. Several years ago I was a part owner of a very successful lumberyard and we were on the IRS watch list I guess. No one likes to get a letter from the IRS, but it’s probably less nerve wracking than a tax agent knocking on your door. I’ve been through that too … on a Sunday morning with 3 agents in dark suits and sunglasses knocking on the door at 6:00AM. Not fun. More than 1 million of the almost 1.4 million audits last year were correspondence audits, while about 310,000 were field audits.

Chances of being audited



Source: IRS and BusinessWeek

How a return is selected for an audit

Just like your credit score, you also have an IRS “score,” called the Discriminate Function Score (DIF). Based on a sample set of thousands of returns, the IRS determines what an average range and a valid range for, say, the amount of charitable contribution deductions claimed by a person earning $50,000/yr. Then, a taxpayer making that income level who claims a much higher deduction will get a higher DIF Score, and that taxpayer’s audit probability goes up.

That system only finds discrepancies with deductions; it doesn’t (can’t? … yet?) find someone who is under-reporting income. So, the IRS also examines certain types of businesses … especially cash businesses.

File BOTH your personal and business taxes with TurboTax and get the maximum refund you’re due!

The IRS estimates that up to 15 percent of the $1.9 trillion reported each year (that’s $290 billion+) goes unreported. As a result, in addition to high DIF scores, the tax agency focuses on cash businesses, such as restaurants, gas stations, house painters, flea market peddlers, domestic housekeepers, and hair salons. If the business primarily accepts cash as payment, it’s probably in the IRS’s crosshairs.

For small-business owners who receive a 1099, this is less of an issue, as the IRS can check what the taxpayer reports against the 1099 filed by the business that paid the money. In that situation, the IRS has a record of all your income.

Never be afraid to take a legitimate deduction

If you have a legitimate deduction and the paperwork to support it, take it. Don’t be intimidated into letting a deduction go by the wayside just because you fear an audit.

Your best bet is to always be honest and truthful when completing your tax return … even if what you’re reporting is outside of the norm.

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What is MVC architecture in PHP ?

Hi friends, Today I am going to tell you how MVC architecture works. MVC stands or Model-View-Controller Architecture using which rich applications can be created. It was invented by Trygve Reenskaug. Generally while writing a dynamic website say in PHP (Here I am telling about MVC in PHP) we create some page like sample.php in which we put HTML code along with PHP where ever it is required.

In case of MVC, we need to maintain Presentation (View), Logic(Controller) and Database Activities (Model) separately. Before starting with MVC, you should have best knowledge of the language which you are going to use. Here I am using PHP.

The following flowchart will show you how MVC works.


Here, I am considering Codeigniter for MVC. Index.php is a front controller which actually receives all requests. It passes them to Routers where it determines that the which method and class to initialize for current request. It passes through Security where lot of filtration is done, such as stopping XSS requests and SQL Injections.

Once everything is clean, it pushes the request to an Important Application Controller where functions written in given classes are performed. There few other extra libraries which are attached to application controller such as Drivers, Models, Libraries, Helpers etc. As and when required in coding, a developer uses those libraries. Once the output is generated, it reaches at the Viewing function. View is nothing but a collection of HTML files which need to get load on user interface.

It also performs caching i.e. if the output of given class/method already exists in cache, then MVC will show cache page.

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I know there are some controversies regarding using and not using MVC frameworks but I think MVC saves lot of time. Using MVC, one can get

  • Increased Performance
  • Capability
  • Flexibility
  • Security
  • Easy Upgradation
  • Structured Functioning

Following are some of the greatest MVC frameworks based in PHP.

  1. Codeigniter
  2. Yii Framework
  3. CakePHP
  4. Zend Framework
  5. Kohana
  6. Symphony
  7. Zoop
  8. TinyPHP
  9. PHPDevShell
  10. Prado

If you are creating a new Application, I recommend you to use MVC Frameworks.

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