Warranty vs Money back guarantee

Some people seem to be confused about the difference between a warranty and a money back guarantee. Let me try and clear this up.
A money-back guarantee, also known as a satisfaction guarantee, is essentially a simple guarantee that, if a buyer is not satisfied with a product or service, a refund will be made.
A warranty a written guarantee, issued to the purchaser of an article by its manufacturer, promising to repair or replace it if necessary within a specified period of time.
Simply speaking, if you purchase a product with a one year warranty, use it for 6 months, then ask for a full refund, the seller is NOT under any obligation to do so. If the product is not performing as it was intended to the warranty promises that the seller or manufacturer (whoever issued the warranty) will repair or replace the failing product.
Know what you are getting at the time of purchase. Neither a warranty or a money back guarantee are in any way to be used as “free rent” or a “free trial” unless specified at the time of purchase.
I hope this helps.

FedEx Tracking Scam

This morning I received an email from “Do_Not_Reply” with a subject of FedEx® Tracking. This is what the body looked like…

Hi mike,
Your package has been successfully delivered.

FedEx Courier Services, LLC

The contents o f this e-mail message and any attachments are intended solely for the addressee(s) named in this message. This communication is intended to be and to remain confidential and may be subject to applicable attorney/client and/or work product privileges. If you are not the intended recipient of this message, or if this message has been addressed to you in error, please immediately alert the sender by reply e-mail and then delete this message and its attachments. Do not deliver, distribute or copy this message and/or any attachments and if you are not the intended recipient, do not disclose the contents or take any action in reliance upon the information contained in this communication or any attachments.

Please do not respond to this message. This email was sent from an unattended mailbox. This report was generated at approximately 8:08 AM CDT on 05/31/2017.

All weights are estimated.
To track the latest status of your shipment, click on the tracking number above.
Standard transit is the date and time the package is scheduled to be delivered by, based on the selected service, destination and ship date. Limitations and exceptions may apply. Please see the FedEx Service Guide for terms and conditions of service, including the FedEx Money-Back Guarantee, or contact your FedEx Customer Support representative.

© 2017 Federal Express Corporation. The content of this message is protected by copyright and trademark laws under U.S. and international law. Review our privacy policy. All rights reserved.

Thank you for your business.


The word “Tracking” was a hyperlink (which I removed in this post for your protection). Upon further investigation I found that the link would take you to a web site that was http://susan-hotel.com… Which is a hotel near the coast of Turkey. I don’t know but I would suspect that FedEx does not have offices in a hotel in Turkey. If you follow the link it then forwards you to a login screen and all you have to do is fill in your password. DO NOT DO IT!!!
This is a process called “harvesting” passwords and the person doing it can then sell the email addresses and passwords to any number of other people on the black web and they can then use this information to break in to your accounts. Just one more way for bad people to scam you. Bottom line, never follow a link in an email to a page that asks for more information. At first look, I counted 5 clues that this was a scam and there are probably more.
If you have more question or ever worry that something is not safe, we are always available to help at 260-242-5112.

Password safety

Today I typed “free password cracking software” into my Google search bar and guess what happened. I found About 5,110,000 results (0.43 seconds). Yes, that is five million one hundred and ten thousand results in less than ½ of a second.
The good news is, in the same ½ of a second the search for “safe password tips” produced About 33,800,000 results. Based on the first result do you think you should check out the second search? Here is a basic breakdown, but I always recommend doing your own research. Things do change.
1. Not only should you meet, but I recommend exceeding requirements. In other words, they say you must have 8 characters and 1 upper case, 1 lower case, 1 number and 1 special character, I would tell you to make it longer and mix them up.
2. Avoid personal information. House number, pets name, phone number, kid’s names can all be looked up. Bad guys know this.
3. Avoid common words or better yet, any words.
a. Password cracking software can try every word in the dictionary in a matter of a few minutes.
b. Word combinations only take a bit longer.
4. Don’t reuse passwords.
a. They get one they have them all.
5. Keep them secure. I know is sounds like it need not be said, but it is amazing how many computers that we work on have the password on a sticky note some place on the computer or desk. Others have a file on the computer desktop with a full list of passwords. Not a good idea.
6. Use a tool to make and securely save passwords.
a. We use KeePass (you can get it here)but there are many available and most are free. (we will help you install and train you on how to use at no charge)
b. Make sure the tool encrypts your stored passwords
7. Be prepared to have your password reset.
a. Use a cell phone number or email address if possible.
b. If you use secret questions, lie when you answer.Bad guys can look up your mother’s maiden name. Use something you made up. The problem is remembering your lie, but that is what #6 will help with.
8. Answer NO when the computer asks if you would like this password saved.
a. When you save it to the computer it becomes easy to retrieve by someone who can gain access to your computer.
This is my “short list” of password rules. This is by no means meant to scare you. Computers and the internet when used correctly are very safe. In fact, online banking is said to be safer than writing a check. The key is to educate yourself. PMC Computers is available to help you and to answer questions any time. Oh, and so you know, I get it. Do I break the rules listed above? Sure I do, but not with my banking login or any other financial or client information. It is all about risk tolerance. If you break in to my solitaire game I am not going to lose and sleep.

Login with your Facebook account

Have you ever seen a pop-up asking you to use your Facebook account to login to something? This would save time you may think. Right you are, but think it through. If you do this, the place asking you will gain access to everything you do on Facebook including your friends list. I am sure we all read the fine print when we sign up for something…NOT. Take the time to sign in without linking. The more you link together the more vulnerable your information is.

The Cloud

I have several clients come to me worried about using the “cloud” for storage. It seems that the concern is having their information online and hackers can get to it.
Online backup companies, the good ones, are very secure. They use a 256-bit AES encryption.
256-bit encryption is referring to the length of the encryption key used to encrypt a data stream or file. A hacker or cracker will require 2256 different combinations to break a 256-bit encrypted message, which is virtually impossible to be broken by even the fastest computers. For you math geniuses, breaking a symmetric 256-bit key by brute force requires 2128 times more computational power than a 128-bit key. Fifty supercomputers that could check a billion billion (1018) AES keys per second (if such a device could ever be made) would, in theory, require about 3×1051 years to exhaust the 256-bit key space.
So, with that in mind, if someone broke into your house and stole your computer, they would have your information totally readable and un-encrypted. Which do you think is the greater risk. Happy surfing.