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Today, getting on the Internet is a way of life. It is estimated that around a third of the world’s 7 billion people use the Internet, according to the ITU World Telecommunication in 2011.
It is safe to say that a majority of us are familiar with the Internet and the World Wide Web. In fact, we would not think twice about clicking on a link and then just using, reading or visiting a Web site. Some even download stuff from them. But should we be this complacent and trusting? Should we trust the Web sites we visit?
Not if we know just how unsafe the Web really is.
A recent study conducted by iViZSecurity, a cloud-based application penetration testing company, reveals that you should probably not trust websites too much. iViz should know. The IDG Ventures-funded company found more than 30 zero day vulnerabilities, which earned them industry wide recognition and the trust of more than 300 customers.
Using a sample from their customers, they conducted more than 5,000 applications. The sample included apps from Asia (25% of the apps were from here), the United States (40%) and Europe (25%).
What they found was that close to all (99%!!!) apps that they have tested had at least one vulnerability. Out of these, more than 8 out of 10 of these apps had at least 1 critical vulnerability, while there are more or less 35 vulnerabilities present on an average website. What all of these mean is that almost all Web sites are open to hacking attacks.
You might be thinking, surely none of your trusted programs and apps would want their websites to be hacked, because at the very least it would cause them to lose customers and would be a big PR nightmare. You might be wrong on this one too. While every business and Webmaster would say that they work hard on securing their sites, there is actually a very low correlation between security and compliance.
Just to give you an idea, if you surf retailer sites and buying from there, you just might become a victim of hacking. This would probably be due to cross-site scripting, or more simply badly written code in Web applications that attackers can exploit to collect data from you or send you malicious content.
According to the study, the most security-exposed industries include the retail, education, IT, healthcare, telecommunications, manufacturing and BFSI. The first two industries alone have an average of 56 and 51 vulnerabilities per application, respectively.
So how are users lulled into a false sense of security? This is partly because nine out of ten hacking attacks are not made public!
Another reason is that the ordinary user might be aware of the problem or the threat but thinks that this might be a problem with small sites with no regards to security.
Think again!!!
While it is true that high security sites have lesser vulnerabilities on the average, they still have an average of 22 vulnerabilities that hackers could exploit. In contrast, those with average security and below average security have an average of 41 and 81 vulnerabilities, respectively.
Larger Web sites also tend to have a higher incidence of vulnerability, averaging around 78 vulnerabilities. Medium sites have 35 vulnerabilities while small Web sites have 26 on the average.
What are these vulnerabilities? Apart from the cross-site scripting we’ve already mentioned that accounts for 65% of all vulnerabilities found in the study, the most prevalent vulnerabilities are:
Out of the Web applications tested, it would appear that you are most in danger when visiting Web sites from Asia and the Middle East, with close to 50 vulnerabilities found per application on the average. But Web applications from Europe and the United States are not much better with 37 and 33 vulnerabilities found from each region on the average.
Here is my review of Dukeo.com.
Dukeo.com offers some pretty interesting and very informative posts on a lot of things. Blogging, SEO, making money online and other topics.
These are real-life tips that everyone would appreciate, from beginners to advanced users. I found almost all content very informative and practical. Most of the blog posts were very detailed. Visitor engagement is also top-notch.
But, as with the overall navigation of the site, it is easy to get lost in all these information.
There is no easy way to see all these topics or categories that the blog covers. You would be able to see a sampling of these topics by looking at the meta data after each blog post’s title. But what if the site owner writes 20 different posts about blogging, this would effectively make you think that all blog posts only talk about blogging. Also, what if you are not interested in blogging topics and are looking for SEO-related how-tos?
Oh wait, there is. But you would have to find that link. Guess where? By clicking on the archives link found on the footer.
Further, looking at the Web page and other first level pages, it would be difficult to understand what the site is actually offering. On the home page, you are asked to enter your details to get three guides, but you are not told what these guides are and how it will help you generate traffic, convert leads, and make money online as the headline boldly claims. This very important explanation is found in the About page, which is one click away from the home page.
And oh by the way, the home page offers you the three guides (How to Make Money Online, SEO for Blogs and How to Generate Traffic from Pinterest), but on the succeeding pages, the offer is cut to two (How to Make Money Online and How to Make Money Online). This setup, again, is really confusing to many.
Because of the way the site is laid out, you will probably scroll down trying to look for that explanation and see the blog posts instead. So by the time you get to the About page, you would have forgotten all about those guides mentioned in the home page (which by the way are not mentioned in the About page.)
Probably, the biggest problem users would have with Dukeo.com is finding their way around the site. The site does not have a sensible navigation system and you would find that you would be using the back button often. That is if you do not have to scroll all the way to the bottom to find navigational links.
When you create landing pages, it makes sense that you do not confuse your potential customers by putting up a lot of links that would take them away from your offer. The only clickable link on a landing page should be the call to action. But this does not hold true for Dukeo. Not everybody will be entering the site via its home page. Some will enter the site through its newsletter sign up page, and those who do will not know that this site has a blog, for instance.
The site does not offer an easy way to see what it has to offer except for scattered links here and there and the aforementioned navigational bar at the bottom of the pages that would take a few Page Downs to see. On some pages, the header and the footer are not even found.
But what aggravates things further is the lack of a search function. If you have read something on this site before and you would want to look for that particular blog you have read, you will still need to go through the archives because there is no way for you to search for it.
Judging from the quality of the blog posts and the information we got from the blogs, it is very apparent that this site was set up to help people make money online. But because of the poor navigation, lack of planning and lack of focus, people would find it difficult to understand just how this site works, what the products are and how you could benefit from it. What’s more, reusing landing pages as part of the website makes you feel that you are visiting two different sites: one with header and footer and the other with a slightly different look.
Dukeo.com would benefit by taking a look at similar sites to see what they are doing right. For example, ZZZProfits.com has a clear navigational bar that you could readily see without scrolling down. This bar gives users an idea of the different sections of the site. They also offer a free guide in exchange for your name and e-mail address, but they made it clear what you are going to learn from this guide. A little planning would go a long way into making Dukeo.com a lot less painful and confusing.
Documents Needed for a Small Business Loan
One of the biggest challenges of small business owners is how to expand their enterprise. After all, it requires a considerable amount of capital to have a good head start. A good option therefore is to apply for a small business loan.
Loan processing can take some time. However, you can speed it up if you can already prepare the necessary documents, such as the following:
Business Plan
This plan would give your lenders an idea about your business and the direction it is heading a few years from now. They want to know if there is any chance that your business would not be able to survive later on, and you can no longer pay your debt.
A typical business plan can have as many as 20 pages. You have to cover your company profile, marketing strategies, human resources management, as well as the technical and financial aspects of your enterprise. It is also needed to have at least a five- to ten-year projection of your sales, liabilities, and assets.
Declaration of Collateral
A small business loan is often secured, which means you need to have a guarantee. For your business, you can use your assets, business equity, cash in hand and in the bank, and borrowed funds. There are also banks that accept other properties such as homes and vehicles as collaterals.
Loan Request
This document would inform the lenders on how much money you will owe, the small business loan package (if there are many to choose from) you are selecting, and your working capital. You may also have to detail how you are planning to utilize the loan. Most lenders, especially banks, would definitely want you to use the money for your business–nothing else.
Credit Rating Report
All secured loans require this one. The report would inform your lenders your capacity to pay for the small business loan. It would contain details on the debts you obtained in the past, defaults, and bankruptcy files. If you want to have a much bigger chance of getting your loan approved, make sure that your credit score does not go below 700. You can also ask for a credit rating report from any or all of the three credit bureaus: Trans Union, Experian, and Equifax.
There are also other documents that could be asked of you, so make sure that you can contact your lender first for the list of requirements. Missing out on at least one of them may prolong the procedure or, worse, cause your application to be rejected.