Hacker Proof (General Interest) ebook - Muzhdahqasas blog ...

Hacker Proof (General Interest) book download

Kris Jamsa and Lars Klander

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Source: http://uuavoac.typepad.com/blog/2013/05/hacker-proof-general-interest-ebook.html

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Promise of central bank support lifts world shares

By Richard Hubbard

LONDON (Reuters) - Investors seized on clear pledges of policy support from Japanese and European central banks on Tuesday to drive world shares higher, sending the yen down sharply against the dollar and boosting oil prices.

That put Wall Street on course for a higher open when trading resumes after Monday's Memorial Day holiday, reversing the trend that saw all three major stock indexes end last week in negative territory.

Heightened expectations the U.S. central bank could soon taper its stimulus programme unleashed turbulence across the markets last week, leaving it to central banks in Japan and Europe to reassure investors their liquidity taps remain open.

"There is still some nervousness, but investors are also feeling that equities are the best asset class," Keith Bowman, analyst at Hargreaves Lansdown,

Equity markets around the world hit their highest levels in many years this month due to the cheap funding from the Fed and other central banks. But the comments by Fed chairman Ben Bernanke suggesting a U.S. recovery could bring a shift in policy have made investors question prospects for further gains.

"We have had a significant move higher and now it's time for taking stock and deciding whether we continue to go higher or we are due a correction," Michael Hewson, senior market analyst at CMC Markets said.

The question is being asked most about the Japanese market, where the Nikkei stock index had reached a 5-1/2-year high before dropping 7.3 percent last Thursday - its largest one-day loss since the March 2011 earthquake and tsunami.

The Nikkei steadied on Tuesday, ending 1.2 percent higher after long-serving board member Ryuzo Miyao said the Bank of Japan would fine-tune market operations to ensure its unprecedented easing campaign is not derailed.

European Central Bank officials also weighed in to help ease investor's nerves, sending the broad FTSE Eurofirst 300 index up 1.25 percent by midday, its best day in a month.

ECB Executive Board member Peter Praet said the bank could still cut interest rates further to stimulate the economy if needed. His comment echoed that of ECB Executive Board member Joerg Asmussen on Monday who said the loose policy would stay as long as necessary.

Tuesday's rebound took Germany's DAX up 1.2 percent to near recent record highs. In London, the FTSE 100 index was up 1.6 percent, led by banking stocks.

MSCI's world equity index had risen 0.4 percent by mid-morning, reversing four days of losses.

SAFETY ABANDONED

The dollar rose 1.0 percent to 102.00 yen, up more than a full yen from a two-week low of 100.66 hit on Friday. While against the Swiss franc, another currency seen as a safe haven, the dollar up 0.5 percent to 0.9675 francs.

"The yen and Swiss franc have dropped noticeably this morning, essentially because risk assets seem to be stabilising," said Societe Generale currency strategist Alvin Tan.

The euro was little changed at $1.2940 against the dollar, trading well within its recent range of $1.28-1.32.

Investors also turned away from German government bonds though the talk of future ECB rate cuts lent support. The yield on the 10-year bond was flat at 1.43 percent.

The rally in equity markets and signs of rising Middle East tension lifted oil prices sharply. U.S. crude futures gained 0.8 percent to $94.78 a barrel and Brent rose 1.5 percent to $104.16 a barrel.

"Oil has made gains today on the back of friendly equity markets," said Carsten Fritsch, senior oil analyst at Commerzbank in Frankfurt.

(Additional reporting by Atul Prakash and Anooja Debnath. Editing by Catherine Evans, John Stonestreet, Ron Askew)

Source: http://news.yahoo.com/ecb-boj-support-pledges-boost-world-shares-093937248.html

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New Home Building Picks Up In Elk Grove | KTXL FOX40

ELK GROVE?

The bidding war for many homes on the market has caused some buyers to consider new homes.? That seems to be reflected in the Madeira development just south of Elk Grove Boulevard, where several builders are cranking up home building efforts.

Tracy Saizan, an Elk Grove specialist with Keller Williams Real Estate, said buyers are being out bid by investors who are putting up cash.

?They have decided that maybe their best bet is to go to the new home divisions where the prices are high, but they don?t have to fight with other buyers to get into those homes,? said Saizan.

Taylor Morrison started building in the Madeira neighborhood five years ago and was able to weather the brunt of the recession, when sales came to a halt.? It purchased lots from other builders who gave up.? Now it?s poised to open its new Barcelos phase with 42 new homes, a dozen of which are already sold.

?We?ve been able to start presales right before the models even opened,? said Pierrette Tierney, Vice President of Sales and Marketing for Taylor Morrison.

She says the company has been busy, sometimes having difficulties finding skilled labor as it ramps up its new home building.

Tierney says the new home buying process is relatively clean compared to buying an existing home.? They can lock in financing, which they can get from the builder, and then pick out custom features before their home is built.

While there are fears that the jump in home prices is artificial, some believe that interest rates and the desire to buy before prices go up too much plays a big role in deciding to buy.

?If they continue to stay under that 4% mark I think buyers will keep on buying and try to buy before the prices continue up even more,? said Saizan.

Source: http://fox40.com/2013/05/28/new-home-building-picks-up-in-elk-grove/

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Canada's Flaherty: No 'doom and gloom' in Canada housing market

Canada's Finance Minister Jim Flaherty arrives for the Global Investment Conference 2013 in London

OTTAWA (Reuters) - There's no "doom and gloom" in Canada's housing market, Finance Minister Jim Flaherty said on Monday, suggesting he sees a soft landing rather than a U.S.-style collapse as demand and prices cool.

"When I look at the housing market, I'm looking for the 'doom and gloom.' I don't see the 'doom and gloom,'" Flaherty told reporters, referring to market players who predict Canada has a housing bubble on the verge of bursting.

"I see some moderation in demand. This is a good thing," Flaherty said.

Canada's housing market was red hot in the years following the 2008-09 recession. But it began cooling in the middle of 2012 in the wake of government moves to tighten mortgage lending rules.

Flaherty wished "bad luck" to any big U.S. hedge funds betting short-selling the Canadian market in the belief the housing market will crash, in hopes of making a profit.

Most economists in Canada are forecasting a gradual downturn in housing but there are a few outliers warning of a pending disaster given the record-high debt load of Canadian households at a time when interest rates can only go up.

(Reporting by Louise Egan; Editing by Nick Zieminski)

Source: http://money.ca.msn.com/investing/news/breaking-news/canadas-flaherty-no-doom-and-gloom-in-canada-housing-market

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7 charged in $6B online money-laundering case

Preet Bharara, U.S. Attorney for the Southern District of New York, describes a chart showing the global interests of Liberty Reserve, during a news conference in New York, Tuesday, May 28, 2013. Arthur Budovsky,the founder of Liberty Reserve, was indicted in the United States along with six other people in a $6 billion money-laundering scheme described as "staggering" in its scope, authorities said Tuesday.(AP Photo/Richard Drew)

Preet Bharara, U.S. Attorney for the Southern District of New York, describes a chart showing the global interests of Liberty Reserve, during a news conference in New York, Tuesday, May 28, 2013. Arthur Budovsky,the founder of Liberty Reserve, was indicted in the United States along with six other people in a $6 billion money-laundering scheme described as "staggering" in its scope, authorities said Tuesday.(AP Photo/Richard Drew)

Preet Bharara, U.S. Attorney for the Southern District of New York, addresses a news conference, in New York, Tuesday, May 28, 2013. Arthur Budovsky,the founder of Liberty Reserve, was indicted in the United States along with six other people in a $6 billion money-laundering scheme described as "staggering" in its scope, authorities said Tuesday. (AP Photo/Richard Drew)

NEW YORK (AP) ? Calling it perhaps the biggest money-laundering scheme in U.S. history, federal prosecutors charged seven people Tuesday with running what amounted to an online, underworld bank that handled $6 billion for drug dealers, child pornographers, identity thieves and other criminals around the globe.

The case was aimed at Liberty Reserve, a currency-transfer and payment-processing company based in Costa Rica that authorities say allowed customers to move money anonymously from one account to another via the Internet with almost no questions asked.

U.S. officials said the enterprise was staggering in scope: Over roughly seven years, Liberty Reserve processed 55 million illicit transactions worldwide for 1 million users, including 200,000 in the U.S.

The network "became the bank of choice for the criminal underworld," U.S. Attorney Preet Bharara said in announcing the unsealing of an indictment against the defendants, including Liberty Revenue founder Arthur Budovsky, an American who renounced his U.S. citizenship after deciding to set up in Costa Rica.

Liberty Reserve allowed users to open accounts using fictitious names, including "Russian Hacker" and "Hacker Account." One person was registered under the name of "Joe Bogus" and the address "123 Fake Main Street" in "Completely Made Up City, New York."

"The coin of the realm was anonymity," Bharara said. "It was the opposite of a know-your-customer policy."

The network charged a 1 percent fee on transactions through "exchangers" ? middlemen who converted actual currency into virtual funds and then back into cash.

In the indictment, prosecutors called the network "one of the principal means by which cyber criminals around the world distribute, store and launder proceeds of their illegal activity ... including credit card fraud, identity theft, investment fraud, computer hacking, child pornography and narcotics trafficking."

They added: "The scope of the defendants' unlawful conduct is staggering."

Prosecutors said they believe it is the biggest money-laundering case the U.S. has ever seen.

Budovsky and another defendant, identified as Azzeddine el Amine, were arrested Friday at a Madrid airport while trying to return to Costa Rica, according to a Spanish court official, who spoke on condition of anonymity because court policy forbids him from speaking on the record. They were ordered jailed while they await a hearing on extradition to the U.S.

Authorities said three other people were arrested last week in New York City, including Liberty Reserve co-founder Vladimir Kats. Information about their arraignment was filed under seal. The two remaining defendants were at large in Costa Rica.

The names of the defendants' attorneys were not immediately available.

A notice pasted across Liberty Reserve's website Tuesday morning said the domain "has been seized by the United States Global Illicit Financial Team." Attempts to reach Liberty Reserve by phone and email were not immediately successful.

Budovsky and Kats have previous convictions on charges related to an unlicensed money-transmitting business, according to court papers. After that case, the pair decided to move their operation to Costa Rica, the papers said.

In an online chat captured by law enforcement, Kats admitted Liberty Reserve was illegal and noted that authorities in the United States knew it was "a money-laundering operation that hackers use."

While authorities described Liberty Reserve as being rife with criminals, the site's ease of use, low fees and irreversible transactions that deterred fraud also attracted legitimate users.

Mitchell Rossetti, whose Houston-based ePayCards.com was one of several mainstream merchants that accepted Liberty Reserve's online-only currency, said his business still had about $28,000 tied up in Liberty Reserve accounts.

"The irony of this is I went to them because of the security," Rossetti said. "All sales were final."

He acknowledged that the currency was being used by scammers but said Liberty Reserve funds were just like any other currency: "The U.S. dollar can be donated to a church or it can pay a prostitute."

Liberty Reserve appears to have played an important role in laundering proceeds from the recent theft of some $45 million from two Middle Eastern banks, according to documents made public by U.S. authorities earlier this month. In that scheme, thieves stole debit card information and then used it to drain cash from thousands of ATMs around the world in a matter of hours.

As part of the Liberty Reserve investigation, authorities raised 14 places in Panama, Switzerland, the U.S., Sweden and Costa Rica. In Costa Rica, investigators recovered five luxury cars, including three Rolls-Royces. Bharara said authorities also seized Liberty's computer servers in Costa Rica and Switzerland.

___

Satter reported from London. Alan Clendenning and Jorge Sainz in Madrid contributed to this report.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2013-05-28-Costa%20Rica-Digital%20Currency/id-9c1b5aeac2784accb45e056cdd621605

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Stem cell injections improve spinal injuries in rats

May 27, 2013 ? An international team led by researchers at the University of California, San Diego School of Medicine reports that a single injection of human neural stem cells produced neuronal regeneration and improvement of function and mobility in rats impaired by an acute spinal cord injury (SCI).

The findings are published in the May 28, 2013 online issue of Stem Cell Research & Therapy.

Martin Marsala, MD, professor in the Department of Anesthesiology, with colleagues at UC San Diego and in Slovakia, the Czech Republic and The Netherlands, said grafting neural stem cells derived from a human fetal spinal cord to the rats' spinal injury site produced an array of therapeutic benefits -- from less muscle spasticity to new connections between the injected stem cells and surviving host neurons.

"The primary benefits were improvement in the positioning and control of paws during walking tests and suppression of muscle spasticity," said Marsala, a specialist in spinal cord trauma and spinal injury-related disorders. Spasticity -- exaggerated muscle tone or uncontrolled spasms -- is a serious and common complication of traumatic injury to the spinal cord.

The human stem cells, said the scientists, appeared to vigorously take root at the injury site.

"In all cell-grafted animals, there was robust engraftment, and neuronal maturation of grafted human neurons was noted," Marsala said. "Importantly, cysts or cavities that can form in or around spinal injuries were not present in any cell-treated animal. The injury-caused cavity was completely filled by grafted cells."

The rats received the pure stem cell grafts three days after injury (no other supporting materials were used) and were given drugs to suppress an immune response to the foreign stem cells. Marsala said grafting at any time after the injury appears likely to work in terms of blocking the formation of spinal injury cavities, but that more work would be required to determine how timing affects functional neurological benefit.

The grafted stem cells, according to Marsala, appear to be doing two things: stimulating host neuron regeneration and partially replacing the function of lost neurons.

"Grafted spinal stem cells are rich source of different growth factors which can have a neuroprotective effect and can promote sprouting of nerve fibers of the host neurons. We have also demonstrated that grafted neurons can develop contacts with the host neurons and, to some extent, restore the connectivity between centers, above and below the injury, which are involved in motor and sensory processing."

The scientists used a line of human embryonic stem cells recently approved for Phase 1 human trials in patients with chronic traumatic spinal injuries. Marsala said the ultimate goal is to develop neural precursor cells (capable of becoming any of the three main cell types in the nervous system) from induced pluripotent stem cells derived from patients, which would likely eliminate the need for immunosuppression treatment.

Pending approval by UC San Diego's Institutional Review Board, the next step is a small phase 1 trial to test safety and efficacy with patients who have suffered a thoracic spinal cord injury (between vertebrae T2-T12) one to two years earlier, and who have no motor or sensory function at or below the spinal injury site.

"This is exciting, especially because, historically, there has been very little to offer patients with acute spinal cord injury," said study co-author Joseph Ciacci, MD, professor of surgery and program director of the Neurosurgery Residency at the UC San Diego School of Medicine. Ciacci, who is also chief of neurosurgery for the Veterans Affairs San Diego Healthcare System, will oversee the clinical trial at UC San Diego and the VA.

Ciacci said if the initial study confirms safety and efficacy, as well as the viability of the implanted cells, neural regeneration and decreased spasticity, the protocol can be expanded to other patients with other forms of severe spinal cord injury.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/top_science/~3/MQqq4t5my3E/130527231843.htm

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Crown Estate, Canada's Oxford Properties sign $483 million London JV

LONDON (Reuters) - Britain's Crown Estate has signed a 320 million pound joint venture with Canada's Oxford Properties to redevelop London's upmarket St James's Market district, the two companies said on Tuesday.

The Crown Estate, which manages the Queen's property portfolio, said the deal creates a 50-50 partnership in which each will own 150 year leasehold interests in two blocks located between London's Regent Street and Haymarket district.

Oxford Properties is owned by Ontario Municipal Employees Retirement System, one of Canada's largest pension funds.

The scheme is part of the Crown Estate's ten year plan to redevelop the St James's Market area, and will provide 210,000 square feet of prime office and 50,000 square feet of retail and restaurant space once completed, the two companies said.

The Crown Estate is by law not allowed to take on debt and previously signed a joint venture with Norway's $660 billion oil fund to finance the redevelopment of shopping belt Regent Street. It owns 4 million square feet of retail, office and residential space in the St James's district.

(Reporting by Brenda Goh; Editing by Neil Maidment)

Source: http://news.yahoo.com/crown-estate-canadas-oxford-properties-sign-483-million-091039808.html

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