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RETURNS FOR CHRISTMAS CRISIS

Next to the holiday season is a very propitious time for cyberdelincuentes intensify their activities in the network and attempts to scam, consider iadecuado play the interesting information that gives McAfee 12-Christmas scams.

1 .- false Timo
iPads offers Apple products are leading the charts this Christmas, so that criminals are busy distributing false offers of free iPads. McAfee Labs warn that this kind of scams, consumers are offered other products and are told that, if they are purchased by credit card, can get a free iPad. Of course, the victims never receive the iPad or other products, only headache that occurs realize that they have stolen the number of credit card.

2 .- "Help me have cheated"
travel This scam sends distressing phone messages to family and friends asking for money to return home for Christmas. Laboratories McAfee Labs have witnessed a growth in this scam and predicts an increase during the travel season. 3 .-

Gift Cards
false Cybercriminals use social networks to promote false gift cards in order to steal money and information to consumers, who subsequently sold or used for identity theft.

4 .- Christmas Jobs
Since people need extra money for gifts and holidays, scams Twitter Dangerous Liaisons provide well-paying jobs or jobs to work from home, in which personal information is requested, as e-mail address, mailing address and social security number to respond to the false job offer.

5 .- "Smishing"
Cybercriminals phishing sent via text messages ("smishing"). These texts seem to come from a bank or online sites saying that there is something wrong with your account and asked to perform a call to a particular phone number to verify account information. In fact, these messages are nothing more than an excuse to remove valuable personal information.

6 .- suspicious
Holiday offers In-season, when consumers search the Internet for travel or offers affordable, cybercriminals create fake Web sites for rent and rentals search for which it is necessary to make the initial payment by credit card or bank transfer.

7 .- The crisis-related scams continue
Scammers target consumers vulnerable to recession-related scams, such as prepayment credits. McAfee Labs has seen a large number of spam advertising of loans to low interest credit cards if the recipient pays a processing fee that goes directly into the pockets of scammers.

8 .-
Cards Electronic cards are a very common send our best wishes to friends and family, but the cybercriminals offer fake versions with links to viruses and other malware.

9 .- Traps cheap
Buyers should be careful with products that are offered at a much lower price than the competition. Cybercriminals use fake Web sites and auction to bid too good to be true, for the sole purpose of stealing information and money to the user. 10 .-

charity scams related to
Christmas season has traditionally been the choice for cybercriminals to scams, because it is a propitious time for donations. Laboratories McAfee Labs predicts that this year is no exception. The most common tactics are phone calls and spam emails asking for donations for the elderly and children or collection of funds for the last disaster.

11 .- Top Dangerous
Christmas-themed Christmas Screensavers, bells and animations are an easy way to spread viruses and other threats to computers, especially when the links come in an email or instant message that appears to come from a friend.

12 .- Wi-Fi in hotels and airports
many people travel for Christmas and uses a network wi-fi in places like hotels and airports. This is a temptation for thieves seeking to hack these networks, hoping to find an opportunity for theft.

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PUBLIC PENSION SYSTEM REGENERATION DEMOCRATIC

Is crisis in the public pension system?. I do not know if this is the situation today. What seems abundantly clear is that the system is experiencing problems and needed adjustments to ensure its future. As we all know, the current pattern of public pensions is based on a "delivery system", which is balanced by a principle of intergenerational solidarity, so that the contributions of young people, can sustain the payment pension for the elderly. But today we are faced with two serious problems that complicate their sustainability:

one hand the economic crisis and high unemployment that we have caused a significant reduction in the number of active workers to be finance system and a loss in value of financial assets accumulated, because of their great loss of profitability.

On the other hand we have a problem with demographics. As a result of medical advances that have life expectancy of the population is higher, and likely will grow even more with new scientific discoveries. At this time, according to the latest known mortality tables, life expectancy for men is 78.3 years and for women 84.8. (Almost double what we had for 100 years).

When designing the public pension system and even when it generated the Toledo Pact, life expectancy was shorter, the percentage of population much higher and accumulated financial assets obtained a high returns being in a growing economic process. In addition, we incorporábamos to work at younger ages and our working lives and therefore periods of contribution, reached 40 or even 50 years (now the young people enter the working world ten years later).

is unquestionable, therefore, that the system is unbalanced, because we have retirees who live longer and fewer young contributors are those who sustain the system. Therefore, it is absolutely necessary to a serious debate on public pensions because, if nothing is done, the imbalance will grow. On the other hand, you can not hide the fact that the system itself is called solidarity is much more than it seems unsupportive.

should review the Toledo Pact in order to maintain the necessary balance system. Failure to do this as well soon, we will leave our children a bad inheritance.

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Do we need a democratic regeneration in Spain? I have it very clear. You need to start taking a Zapatero de la Moncloa and also ejecting the mediocrity that has been installed in government and that is carrying all the good work that the English have done in thirty years. I refer specifically to characters like Pajín, Zerolo, Aido, Valenciano, etc.etc.

Today much of the English institutions have gone bankrupt. Politicized Justice does not permit effective judicial protection. The state of autonomous is a real desatre. Education is deteriorating day by day. Many lost health standards. The production model has gone to hell. The party politics has been installed with a low-level politicians and widespread corruption all over the place. The welfare state falls into the abyss and is already an illusion. The values \u200b\u200bof civil society and citizens are losing we seem to be anesthetized.

Before it's too late we must struggle to achieve political and economic regeneration. For this we starting with the Prime Minister that I believe should not continue any longer in office and that has weakened national unity, has denied the crisis, but a mockery to Spain in their abhorrent foreign policy is the laughing stock of Europe's leaders and its sole purpose is to preserve power. I think this is typical of a sick mind and therefore it would unfit to govern.

Zapatero, become socialliberalista, promoted privatization, reduced budgets at the expense of welfare of citizens, sold some of our gold reserves and resources devoted to saving failed banks, reduced salaries to civil servants, frozen pensions, planned increase in the retirement age and especially increased inequality and insecurity of citizens, leading Spain to a dead end.

seems absurd that neither the government nor the opposition and politicians in general, primarily aim to find solutions to the crowds of workers laid off by the brutality of post-industrial world, do not worry about the mileuristas or retired full working age. It seems unacceptable that politicians care about only their own interests and partisan politics and not even think of that 45% of young people under 25 have no job and no chance be achieved. That does not worry about those middle classes yesterday and today are beginning to fall into poverty in many cases.

I think the time has come. We must fight their way out of this feeling of pessimism and helplessness that overwhelms us. We can not consent to mortgaging our future and no less than our children. We have to change the ways in which we participate in political life. We must rebuild our institutions and we must ensure that policies are geared towards the interests of citizens and not their political interests or parties. We must begin to scream as they hear the voice of citizens to regenerate Spain, and to change if so with the political system that was built in the transition.

The politicians just want to live this policy and to pursue their own interests without caring to see that Spain is being destroyed as a state and not worry even less for the interests of the citizens who voted. These politicians are moving between insane policies, deceit, lies, corruption and desire to get rich as soon as possible, consumerism indecent with official cars, visa cards, and favors of all kinds.

With these ingredients, in the worst economic crisis of the last hundred years, instead of uniting to face it and deal with it correct approach, it has been developing in a case or criticize another, an economic program imposed by financial markets, and the leaders of the European Union. We can not allow the English society again incubate the virus of anger and violence that divided us and took us to the Civil War

For all this, in Spain we need a democratic feedback process, we need a new production model we need a new welfare state model, and why not, we need a constitutional amendment. It is time for citizens to come out of dormancy, we start to mobilize, to go out and protest, and bring about that necessary regenración political change and democracy. Failure to do so today, we are doing disservice to our children tomorrow.