banking - Internet Banking - Are You Online?

Internet banking has changed the way we manage our money forever. Instead of having to call the bank, go there or wait for a statement to find out how much money we've got or where it's all gone, we can now just log on at the bank's website and find out instantly. It's a huge money and time saver, for both the customer and the bank. Yet Internet banking has had a bad press recently, primarily due to concerns about the security of accessing your bank accounts over the public Internet. Stories abound of hackers stealing account or card details and going on exotic shopping sprees, with the unsuspecting customer left to chase their bank for the money they lost. These fears have contributed to many people switching back to phone banking, for fear of becoming a victim of identity theft. Many fears of Internet banking are unfounded, however. The most common way fraudsters get account details is not by hacking the bank, but instead by sending out scattershot spam to millions of people telling them to click a link and enter their account details for some reason, in the hope that a few will. There's always someone who knows little enough about how the web works to enter their details into an untrusted website, not even realising anything happened until the fraudsters drain their bank account. Very basic education can stop this threat in its tracks, however, and make your Internet banking experience almost 100% safe. The easiest piece of advice is not to click any link in an email that claims to be from your bank: instead, use your web browser and type in the address of the bank's website yourself. Also, when you are asked for your account details and password, make sure to look at the address bar in your web browser, to check that you are looking at your bank's website and not an impostor. If you're still scared, remember that Internet banking fraud makes up a tiny percentage of all bank fraud. You're much more likely to become a victim when you hand your credit card over in a restaurant than you are when you bank online. Just like any other kind of fraud, your bank should cover you for any money you lose, but it's really very unlikely that it will ever happen. John Gibb is the owner of internet banking guides For more information on internet banking please check out http://www.internet-banking-guidance.info Article Source:http://EzineArticles.com/?expert=John_Gibb banking - Cord Blood Stem Cell Breakthroughs: Cure For Diabetes? Cord blood, also called placental blood, is the blood that remains in the placenta and umbilical cord following birth, after the umbilical cord is cut. Generally, this blood is disposed of with the placenta and umbilical cord. There is much controversy regarding the use of stem cell research as it pertains to the use of embryos. However, there have been new scientific breakthroughs in the field of stem cell research using cord blood stem cells from living babies. A team of South Korean researchers, headed by Prof. Kang Kyung-sun of Seoul National University, has successfully grown pancreatic beta cells from umbilical cord blood stem cells of newborn babies. The stem cells are able to secrete insulin, the hormone necessary for treatment of diabetes. The ability of cord blood stem cells to differentiate, or change into other types of cells in the body is a new discovery that holds great promise for improving the treatment of some of the most common diseases including diabetes. This achievement would be highlighted by The Biochemical and Biophysical Research Communications, the U.S.-based weekly, that documents breakthrough papers in biotechnology. Similar breakthroughs have been achieved by scientists throughout the world. Researchers at the University of Newcastle, in Dublin, produced a 'mini liver' from cord blood stem cells. The technique will be developed to create a full-sized, fully functioning liver. Tissues from mini-livers will be used to test new drugs. Researchers are hopeful that within five years, pieces of the tissue can be used to repair damaged livers and within 15 years, actual liver transplants may be done using lab-grown livers made from cord blood. This is a significant achievement that can potentially develop treatments for liver diseases. In a study published by the University of Minnesota, researchers discovered that some umbilical cord blood cells possess similar characteristics to primitive stem cells. According to Walter Low, Ph.D., senior investigator of the study and professor of Neurosurgery and the Stem Cell Institute at the University of Minnesota, this major discovery is crucial to understanding how cord blood stem cells can restore brain function after injury such as in stroke. In a laboratory test, cord blood stem cells were transplanted into rodents with controlled strokes. The results: some limb function was restored and the size of brain lesions was reduced. Cord blood stem cells developed into neuron-type cells, similar to those found in the brain. They also stimulated nerve fibers in the brain, thus the regained function in rats. This finding will significantly help advance the development of stroke research. Stem cell technology has been advancing forward in leaps and bounds. The breakthroughs in cord blood stem cell research can substantially speed up the development of treatments for life-threatening diseases and debilitating conditions. Cord blood stem cell research avoids much of the controversy and problems associated with embryonic stem cell research.