welcome: 2008-06-22

Many people are using credit cards nowadays because it is very convenience. By using credit cards, we are no need to carry cash around especially when need to buy things that expensive. Using credit cards is very common in this community. But many people do not know how to use it efficiently and at last cause many credit cards debts. Most of the people are very optimistic that they can afford the debts when they have to pay the bill. People will use credit cards when they need money, but most of them do not have a budget for their credit cards. Thus, this will lead to over use of money. At last cause many debts around them.

Thus, we have to take some action to prevent. Debts with smaller amount can be paid first. This will give us a satisfaction that you have settled an amount of debts. Besides, we can pay double for the minimum amount and it just enough to cover the interest and a little more that pay down the balance. Paying extra will pay your balance more quickly. We also have to aware of the money using. Set a budget for your own and use the credit cards efficiently. Do not use it when there is no necessary. Be on time in paying the bill, do not let the interest of the debts be a burden of yourself.

Better to have a financing control, it will lead you to have an easy life.

Many people deliberately limit the transactions they do online because they don’t fully trust the e-commerce process. These people simply fear for the security of personal and financial information transmitted over the Web. The ever-changing paradigm of e-commerce requires a well-mandated security infrastructure. In this case, the application of third party certification programme can help organization to establish or improve customer trust by securing their Web site for business.

Here,i will briefly share with yours the most common one that apply in Malaysia:MSC Trustgate.

MSC Trustgate
Trustgate has been licensed under the Digital Signature Act 1997 (DSA), a Malaysia law that sets a global precedent for the mandate of a CA.MSC.It is actually part of the Multimedia Super Corridor's (MSC) strategy to harness technology economically.

MSC Trustgate.com's membership allows its customers to enjoy a globally recogniz

ed service that is compatible with the existing technological requirements.

Below are those products and services that offer by Trustgate:

1.SSL Certificate for Internet, Intranet and Server Security

An SSL Certificate is an electronic file that uniquely identifies individuals and Web sites and enables encrypted communications. SSL Certificates serve as a kind of digital passport.

2.Managed PKI for Enterprise Trust Services

Managed Public Key Infrastructure (MPKI) service is a fully integrated enterprise platform designed to secure intranet, extranet, and Internet applications by combining maximum flexibility, performance, and scalability with high availability and security.

3.Digital ID for Secure Transactions, Documents & E-mails

ID that designed to protect for those transactions and correspondence normally contain highly confidential information such as credit card details, customer particulars, pricing information, trade agreements, or even business strategies. Such information can be easily viewed or altered in transit if not properly encrypted.

4. MyTRUST for Mobile Signature

With MyTRUST, you can turns a SIM card into a Mobile Digital Identity for secure mobile banking and other financial services.

5. MyKad PKI (MyKey)

MyKey is the MSC Trustgate.com Sdn. Bhd.'s Digital Certificate which is loaded into MyKad. It is class 2 certificate and has 1024-bit key length.A document digitally signed with MyKey is treated as a legal binding document as it is with a handwritten signature.

6. SSL VPN for Remote Access Services

MSC Trustgate offers simple and cost effective remote access solutions for mobile workers, branch offices, partners and others you want to give access to your network resources, without affecting the security of your enterprise.

7. Managed Security Services

Information security of an organization does not end by plugging in some anti-virus and spam filtering software, firewall, or IDS to your network.MSC Trustgate.com will study your business requirements, then plan and recommend relevant product & solutions to your organization.

Trustgate services include:

Vulnerability scanning
Security assessment
Security architecture design
Intrusion prevention
Software integrity / application control
Security audit
Security consultancy

CUSTOMER AWARE:is it an effective way to enhance consumers trust?

Yup..The overwhelming majority of consumers feel it is important for sites to include a trust mark.Shoppers not only recognise and value third-party trust marks, but the presence of a trust mark can also persuade them to complete the purchase.It give consumers more confidence to transact online and reduce concerns about identity theft.