Meet CFUS
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Joseph C. (Joe) Hibbitt Principal, President Los Angeles, California |

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Manny Mangahas Principal, VP -East Coast Operations Clifton, Virginia (Washington, DC) |

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Burnie Reed Principal, VP - Midwest Operations Dallas, Texas |
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How does a Computer Virus Work
There are millions of viruses present these days, and new viruses originating every day. It is awfully tricky to provide you with a standard explanation of how viruses function, because they all have differences in the manner they infect or the method they spread. Hence, in this article, I have explained it bearing in mind few broad groups that are usually used to illustrate different types of viruses.
File Viruses or Parasitic Viruses
File viruses are pieces of code that attach themselves to executable files, driver files or compressed files, and they are triggered when the host program is executed. Once the file virus or parasitic virus is activated, it may spread by attaching to new programs in the system, and also perform out the wicked actions it was programmed for. A large number of file/parasitic viruses spread by loading themselves in the system memory, and they start searching for additional programs located on the drive. If it locates one, it transforms the program’s code so that it encloses the virus code. Then it activates the virus’s code next time it runs. It keeps doing this yet again until it crawls all over the system, and probably to additional systems that share the infected program.
Besides spreading themselves, these viruses also hold various types of destructive elements that can be activated instantly or by a specific ‘trigger’. The triggers could possibly be specific dates, or the number of times the virus has been replicated, or anything equally small.
Examples of file/parasitic viruses are Randex, Meve and MrKlunky.
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| Read Full Article - Story #1 |
How electronic record-keeping falls within IRS rules
Question #1: Tax-return and investment records are to be retained for three years, seven years, an indeterminate period (for example, records of an investment), or forever (false return - but who decides if you have no records?). At present, I have almost two file drawers full of paper! What is considered acceptable records? Do they have to be the original paper? I am thinking of scanning the documents into a computer and then making CDs. Will these be considered "legal" records in the eyes of the IRS and Social Security? Not only will these save space, but they would be resistant to flood and water damage. R.R., via e-mail
Question #2: I have read in your column that if I invest $50 a month in a mutual fund over the next 15 years the account would grow to more than $17,000 based upon an annualized return of 8 percent. Could you suggest a few specific mutual funds that could garner such returns and accept an initial investment of only $50? S.R., Hyannis, Mass.
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| Read Full Article - Story #2 |
Which Is Better - Compound or Isolation Exercises?
What Are Compound Exercises?
Today's fitness programs tend to focus on functional fitness, which refers to exercise that simulates real-life activities and uses a wide variety of movements through a wide range of motion. At the heart of these routines are a variety of compound exercises. Compound exercises are multi-joint movements that work several muscles or muscle groups at one time. A great example of a compound exercise is the squat exercise, which engages many muscles in the lower body and core, including the quadriceps, the hamstrings, the calves, the glutes, the lower back and the core.
What Are Isolation Exercises?
Isolation exercises work only one muscle or muscle group and only one joint at a time. Examples of isolation exercises include the biceps curl or the quadriceps extension. These exercises are often performed with the commercial weight machines found in health clubs. The idea is to isolate one muscle group and move from from one machine to the next until you "work" your whole body. Isolation exercises are frequently used in physical therapy clinics and rehab centers in order to correct a specific muscle weakness or imbalance that often occurs after injury, illness, surgery or certain diseases.
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| Read Full Article - Story #3 |
Bonus Article
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Five Tips for Online Shopping Safety
One of the coolest capabilities enabled by the Internet is that when you’re using it, you’re not bound by geographical location. This is especially handy when you’re shopping. Before the Internet, you were pretty much stuck with the selection and prices in the stores around your home. Now, you can shop anywhere, anytime, and you can be competitive about it.
Of course, there are some risks that come with shopping online, too. Although identity theft is more common in the real world, it still happens online pretty frequently, as does credit card fraud. So staying safe while you’re shopping online is paramount. Here are five tips for shopping safely online:
1. Choose Credit Over Debit:
2. Disposable Is Better:
3. Verify Website Security:
4. Don’t Shop Publically:
5. Don’t Store Information Elsewhere:
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| Read Full Article - Story #4 (bonus article) |
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