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Abode Services
Abode Services’ mission is to end homelessness by assisting low-income, un-housed people, including those with special needs, to secure stable, supportive housing; and to be advocates for the removal of the causes of homelessness.
Activities for Retarded Children
ARC (Activities for Retarded Children) promotes the welfare, protection, education, and advancement of mentally retarded individuals. We provide educational and therapeutic recreation designed to increase the ability and potential of retarded children, and implement a regimen of activities to help achieve his/her full potential for mental, emotional, physical and spiritual development.
Aldea Children & Family Services
The mission of Aldea Children & Family Services is to improve lives and create bright futures for people we serve by providing professional mental health, child welfare and support services in a manner that respects the dignity and individuality of each person.
Alisa Ann Ruch Burn Foundation
The Alisa Ann Ruch Burn Foundation’s mission is to enhance the quality of life for burn survivors and promote burn prevention education.
America’s Baby Cancer Foundation
The mission of America’s Baby Cancer Foundation (ABCF) is to raise awareness of baby cancer, to provide aid and education for families with children with cancer, and to help fund research. Cancer is the leading disease-related cause of death in children.  We focus on birth to early childhood with diagnoses of rare cancers. We call these “baby cancers”.
American Friends of NSWAS
The American Friends of Neve Shalom/Wahat Al-Salam encourages, supports and publicizes the projects of Neve Shalom/Wahat al-Salam, the “Oasis of Peace.” For more than thirty years, Neve Shalom/Wahat al-Salam has been dedicated to dialogue, cooperation and a genuine and durable peace between Arabs and Jews, Palestinians and Israelis.

Ariel Outreach-Mission
The mission of Ariel Outreach Mission is to help individuals and families experiencing immediate life challenges, attain shelter/housing, safety, stability and the support needed to become self-sufficient and ultimately reach sustainability.

Big Brothers Big Sisters of San Luis Obispo County
The mission of Big Brothers Big Sisters of San Luis Obispo County is to provide children facing adversity with strong and enduring, professionally supported 1-to-1 relationships that change their lives for the better, forever.
Boys & Girls Clubs of Central Sonoma County
The Boys & Girls Club of Central Sonoma County mission is to inspire and enable all young people, especially those from disadvantaged circumstances, to realize their full potential as productive, responsible and caring citizens. Boys & Girls Clubs provide a safe place to learn and grow … ongoing relationships with caring, adult professionals … life-enhancing programs and character development experiences … hope and opportunity.
Thank you for choosing Boys & Girls Club Central Sonoma County in your charitable contribution plans. Our mission is to enable all young people, especially those who need us most, to reach their full potential as productive, caring, responsible citizens.
Boys and Girls Club El Dorado County Western Slope
The mission of Boys and Girls Club El Dorado County Western Slope is to enable all young people, especially those who need it most, to reach their full potential as productive, responsible and caring citizens. Boys and Girls Club El Dorado County Western Slope envisions a future in which the Boys & Girls Club Movement is a catalyst for a new age in America, an age in which success is within the reach of every child, and whole generations of children are inspired to a level of civic engagement not seen since the founding of our nation.
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Top 10 Insurance Companies By The Metrics

Top 10 Insurance Companies By The Metrics

There are a number of ways to rank the size of insurance companies. Companies can be measured by their market capitalization (the value of the company on a stock exchange) or by using sales figures such as net premiums written in a year or how many policies were sold. (For more, see: Which insurance policies do I really need?)
Largest Public Insurance Companies by Market Capitalization
Investors can buy shares of publicly traded companies in the insurance industry. The largest insurance companies as of Q1 2014 by market capitalization on the world stock exchanges are:
Non-health Insurance Companies:
Company Name Market Capitalization
Berkshire Hathaway (BRK.A) $308 billion
China Life Insurance (LFC) $80 billion
Allianz (AZSEY) $76.8 billion
American International Group (AIG) $72.3 billion
Ping An of China (PNGAY) $65.6 billion
MetLife (MET) $59.4 billion
AXA (AXA) $57.8 billion
AIA Group Hong Kong (AAIGF) $54.4 billion
ING Groep (ING) $54.4 billion
Zurich Insurance (ZURVY) $45.4 Billion
(Source: Thompson Reuters)
Health Insurance and Managed Health Care Companies:
Company Name Market Capitalization
United Healthcare (UNH) $91.8 billion
Wellpoint (WLP) $34.3 billion
Aetna (AET) $29.8 billion
CIGNA Corp. (CI) $26.8 billion
Humana (HUM) $21.1 billion
Centene Corp. (CNC) $5.7 billion
Health Net, Inc. (HNT) $3.9 billion
WellCare Health Plans (WCG) $3.1 billion
Healthspring (HS) $3.7 billion
Molina Healthcare (MOH) $2.4 billion
(Source: Thompson Reuters)
Not all insurance companies are publicly traded. In fact, many insurers are structured as mutual companies where policy holders of participating policies are essentially partial owners of the company. The mutual company model for an insurance company dates back hundred of years, and there are certain benefits conferred on policyholders that do not exist with publicly traded (stock company) insurers. (For more, see: The Industry Handbook: The Insurance Industry.)
Largest Insurance Companies by Sales and Product Line
It is useful to differentiate between the type of insurance, or line, that is being considered when considering the largest insurance companies. Using sales data is helpful as some of the largest insurance companies in the United States are not publicly traded and therefore their market value is not easily ascertained.
Property & Casualty
Property casualty insurers write policies covering property such as real estate, dwellings, cars and other vehicles. They also write policies dealing with liabilities that may be incurred by accident or negligence related to those properties to defray the cost of lawsuits or medical damages resulting from such incidents.
The top U.S. property casualty companies in 2013 by net premiums written (the amount of money that non-life policies can expect to receive over the life of the contract, less commissions and costs) are:
Company Net Premiums Written
State Farm Group $50.8 billion
Allstate Insurance Group (ALL) $24.8 billion
Liberty Mutual $21.5 billion
Berkshire Hathaway (includes GEICO) $21.4 billion
Travelers Group (TRV) $20.6 billion
American International Group (AIG) $19.7 billion
Nationwide Group $14.5 billion
Progressive Insurance Group (PGR) $14.5 billion
Farmers Insurance Group $14.1 billion
USAA Group $10.7 billion
(Source A.M. Best)
Life Insurance Companies
Life Insurance companies promise to pay out a lump sum benefit upon the death of the insured. Although actuarial science has created mortality tables to accurately estimate the future liability of policies to be paid, having financial strength ensures that these companies can meet all of their obligations while still earning a profit.
Life Insurance companies in the U.S. can be ranked by direct premium written (the amount of new policies written directly and not re-insured). For 2013:
Company Total Direct Premium Market Share
MetLife (MET) $11.5 billion 7.98%
Northwestern Mutual $9.4 billion 6.55%
Prudential of America (PRU) $8.4 billion 5.79%
New York Life $7.8 billion 5.42%
Lincoln National $6.1 billion 4.27%
MassMutual $5.1 billion 3.52%
John Hancock $4.8 billion 3.37%
Aegon (AEG) $4.1 billion 2.82%
State Farm $4.0 billion 2.79%
Guardian Life Insurance Co. $3.4 billion 2.34%
(Source: NAIC)
Health Insurance Companies
Health insurance companies provide policies to cover all or part of policyholder's health and medical costs. Policies may be purchased individually or through an employer. Technically, the United States government is the largest health insurance provider in America through the Medicare program, Social Security and with Medicaid administered by individual states. (For more, see: 5 Things You Need To Know About Obamacare.)
The largest non-government sponsored U.S. health insurance companies measured by total direct premium collected in 2007 was:
Company Total Direct Premium Market Share
United Healthcare (UNH) $66.8 billion 11.70%
Wellpoint Group (WLP) $55.7 billion 9.75%
Kaiser Permanente $43.7 billion 7.66%
Humana (HUM) $21.7 billion 3.81%
Aetna (AET) $21.7 billion 3.81%
Health Care Service Corp $14.9 billion 2.60%
American Family $11.6 billion 2.04%
Highmark $11.4 billion 2.01%
Blue Cross/Blue Shield $9.8 billion 1.72%
Cigna (CI) $9.6 billion 1.69%
(Source: NAIC. Caveat emptor: The sales data on health insurance companies is from 2007, the last year of available data. The Affordable Care Act (aka 'Obamacare') may have altered these standings.)
The Bottom Line
Ranking the largest insurance companies can be done in a number of ways. Shares of publicly traded companies can be bought to help build a well-diversified investment portfolio that has exposure to the financial and healthcare sectors. Identifying which types of insurance a company primarily deals with helps determine which firms are competitors and which really are not. Looking at sales figures, or premiums collected in a year, one can also see how public companies stack up against privately held or mutual companies which make up a large segment of the industry.
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Top 10 US Universities 2016/17

Top 10 US Universities 2016/17

Tuesday, September 15, 2015 at 11am
US Top 10 Main Image
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Antique Road Trip USA

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Antique Road Trip USA

Antique Road Trip USA

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Grace and James Anderson are newlyweds with a growing antiques business. Help them open their very own store by traveling across America and searching for hard-to-find antiques! Collect plenty of new wares to sell for a mighty profit. Visit fantastic cities like Cheyenne, Memphis, and Austin and solve different types of puzzles in this fun and exciting Hidden Object game. Go on an Antique Road Trip today!
  • Multiple Hidden Object modes
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Game System Requirements:

  • OS: Windows XP/Vista/7/8
  • CPU: 1.0 GHz
  • RAM: 256 MB
  • DirectX: 9.0
  • Hard Drive: 150 MB

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  • Browser: Internet Explorer 7 or later
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Hackers Types

Hackers are three types:-
1. White hat hacker
2. Gray hat hacker
3. Black hat hacker


White Hat and Grey Hat Hacker & What is the Real Difference?
What is worse, the public is not able to understand terms like grey hat, white hat, Linux OS, or cracker.
However, the truth is that the subculture of the hacker world is more complex than we think. Especially if we consider that, these are very intelligent people.

So, what is ethical hacking white hat and how does it differentiate from grey hackers? The only way to find out is to submerge ourselves in the world of hackers and understand, at least, the most basic concepts.

What Is A White Hat Hacker?
A hacker can be a wiz kid who spends too much time with computers and suddenly finds himself submerged in the world of cyber-security or criminal conspirators. On the other hand, he can be a master criminal who wants to obtain huge amounts of money for him, or even worse, dominate the world.
In the movie Matrix, the concept of hackers changed a bit. Although the agents of the Matrix considered them terrorists, the truth is that they were rebels fighting for the liberty of humanity. Things do not need to reach that extreme, though. We are not at war with intelligent ma chines so that kind of scenario is a bit dramatic.

Therefore, a hacker is an individual who is capable of modifying computer hardware, or software. They made their appearance before the advent of computers, when determined individuals were fascinated with the possibility of modifying machines. For example, entering a determine code in a telephone in order to make free international calls.
When computers appeared, this people found a new realm where they could exploit their skills. Now they were not limited to the constraints of the physical world, instead, they could travel through the virtual world of computers. Before the internet, they used Bulletin Board Systems (BBS) to communicate and exchange information. However, the real explosion occurred when the Internet appeared.

Today, anyone can become a hacker. Within that denomination, there are three types of hackers. The first one is the black hacker, also known as a cracker, someone who uses his computer knowledge in criminal activities in order to obtain personal benefits. A typical example is a person who exploits the weaknesses of the systems of a financial institution for making some money.

On the other side is the white hat hacker. Although white hat hacking can be considered similar to a black hacker, there is an important difference. A white hacker does it with no criminal intention in mind. Companies around the world, who want to test their systems, contract white hackers. They will test how secure are their systems, and point any faults that they may found. If you want to become a hacker with a white hat, Linux, a PC and an internet connection is all you need.
Grey Hat Hackers

A grey hat hacker is someone who is in between these two concepts. He may use his skills for legal or illegal acts, but not for personal gains. Grey hackers use their skills in
order to prove themselves that they can accomplish a determined feat, but never do it in order to make money out of it. The moment they cross that boundary, they become black hackers.
For example, they may hack the computer network of a public agency, let us say, NOAA. That is a federal crime.

If the authorities capture them, they will feel the long arm of justice. However, if they only get inside, and post, let us say, their handle, and get out without causing any kind of damage, then they can be considered grey hackers.

If you want to know more about hackers, then you can attend one of their annual conventions. Every year, hackers from all over the US, and from different parts of the world, reunite and meet at DEF CON. These conventions are much concurred. In the last one, 6,600 people attended it.
Every year, DEF CON is celebrated at Las Vegas, Nevada. However, hackers are not the only ones who go to this event. There are also computer journalists, computer security professionals, lawyers, and employees of the federal government. The event is composed by tracks of different kind, all of them related, in some way, to the world of hackers (computer security, worms, viruses, new technologies, coding, etc). Besides the tracks, there are contests that involve hacking computers, l ock picking and even robot related events. Ethical hacking, white hat hacking or whatever names you wish to use, at the end, it has a purpose: to protect the systems of organizations, public or private, around the world. After all, hackers can now be located anywhere, and they can be counted by the millions. Soon, concepts like white hat, linux operating system or grey hat will become common knowledge. A real proof of how much has our society been influenced by technology.


Black Hat Hackers

Black hat hackers have become the iconic image of all hackers around the world. For the majority of computer users, the word hacker has become a synonym for social misfits and criminals.
Of course, that is an injustice created by our own interpretation of the mass media, so it is important for us to learn what a hacker is and what a black hacker (or cracker) does. So, let's learn about black hat techniques and how they make our lives a little more difficult.
Black hat is used to describe a hacker (or, if you prefer, cracker) who breaks into a computer system or network with malicious intent. Unlike a white hat hacker, the black hat hacker takes advantage of the break-in, perhaps destroying files or stealing data for some future purpose. The black hat hacker may also make the exploit known to other hackers and/or the public without notifying the victim. This gives others the opportunity to exploit the vulnerability before the organization is able to secure it.
What Is Black Hat Hacking?
A black hat hacker, also known as a cracker or a dark side hacker (this last definition is a direct reference to the Star Wars movies and the dark side of the force), is someone who uses his skills with a criminal intent. Some examples are: cracking bank accounts in order to make transfernces to their own accounts, stealing information to be sold in the black market, or attacking the computer network of an organization for money.

Some famous cases of black hat hacking include Kevin Mitnick, who used his black hat hackers skills to enter the computers of organizations such as Nokia, Fujitsu, Motorola and Sun Microsystems (it must be mentioned that he is now a white hat hacker); Kevin Poulsen, who took control of all the phone lines in Los Angeles in order to win a radio contest (the prize was a Porsche 944 S2); and Vladimir Levin, which is the handle of the mastermind behind the stealing of $10'000,000 to Citigrou.
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Who is The HACKERS ?

In the computer security context, a hacker is someone who seeks and exploits weaknesses in a computer system or computer network. Hackers may be motivated by a multitude of reasons, such as profit, protest, challenge, enjoyment, or to evaluate those weaknesses to assist in removing them.
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How To Become A HACKER!

How to Become a Hacker

In computer security, a hacker is someone who focuses on security mechanisms of computer and network systems. There is a community and shared culture of expert programmers and networking wizards that traces its history back through decades to the first time-sharing minicomputers and the earliest ARPAnet experiments. The members of this culture were the first "hackers." Breaking into computers and breaking phone systems have come to symbolize hacking in popular culture, but hacking culture is much more complex and moralistic than most people know. Learn basic hacking techniques, how to think like a hacker, and how to gain respect in order to crack your way into the complex world of hacking.

Part 1
Fundamentals

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    1
    Run Unix. Unix is the operating system of the Internet. While you can learn to use the Internet without knowing Unix, you can't be an Internet hacker without understanding Unix. For this reason, the hacker culture today is pretty strongly Unix-centered. A Unix like Linux can run alongside Microsoft Windows on the same machine. Download Linux online or find a local Linux user group to help you with installation.[1]
    • A good way to dip your toes in the water is to boot up what Linux fans call a live CD, a distribution that runs entirely off a CD without having to modify your hard disk. This is a way to get a look at the possibilities without having to do anything drastic.
    • There are other operating systems besides Unix, but they're distributed in binary — you can't read the code, and you can't modify it. Trying to learn to hack on a Microsoft Windows machine or under any other closed-source system is like trying to learn to dance while wearing a body cast.
    • Under Mac OS X it's possible to run Linux, but only part of the system is open source — you're likely to hit a lot of walls, and you have to be careful not to develop the bad habit of depending on Apple's proprietary code.
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    2
    Write HTML. If you don't know how to program, learning basic HyperText Mark-Up Language (HTML) and gradually building proficiency is essential. What you see when you look at a website of pictures, images, and design components is all coded using HTML. For a project, set out to learn how to make a basic home page and work your way up from there.
    • In your browser, open the page source information to examine the HTML to see an example. Go to Web Developer > Page Source in Firefox and spend time looking at the code.
    • You can write HTML in a basic word processing program like Notepad or Simple text and save your files as "text only," so you can upload them to a browser and see your work translated.[2]
    • You'll need to learn to format tags and learn to think visually using them.[3] "<" is used to open a tag and "/> is used to close it. " " is the opening for a line of paragraph code. You'll use tags to signal anything visual: italics, formatting, color, etc. Learning HTML will help you to understand better how the Internet works.
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    3
    Learn the language of programing. Before you start writing poems you have to learn basic grammar. Before you break the rules you have to learn the rules. But if your ultimate goal is to become a hacker, you're going to need more than basic English to write your masterpiece.[4]
    • Python is a good "language" to start off with because it's cleanly designed, well documented, and relatively kind to beginners. Despite being a good first language, it is not just a toy; it is very powerful, flexible, and well-suited for large projects. Java is an alternative, but its value as a first programming language has been questioned.[5]
    • If you get into serious programming, you will have to learn C, the core language of Unix. C++ is very closely related to C; if you know one, learning the other will not be difficult. C is very efficient with your machine's resources, but will soak up huge amounts of your time on debugging and is often avoided for that reason, unless the efficiency of your computer is especially important.
    • It is probably a good idea to use a good starting platform such as Backtrack 5 R3, Kali or Ubuntu 12.04LTS.

Part 2
Hacking Attitudes

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    1
    Think creatively. Now that you've got the basic skills in place, you can start thinking artistically. Hackers are like artists, philosophers, and engineers all rolled up into one. They believe in freedom and mutual responsibility. The world is full of fascinating problems waiting to be solved. Hackers take a special delight in solving problems, sharpening their skills, and exercising their intelligence.
    • Hackers have a diversity of interests culturally and intellectually, outside of hacking. Work as intensely as you play, and play as intensely as you work. For true hackers, the boundaries between "play," "work," "science," and "art" all tend to disappear, or to merge into a high-level creative playfulness.
    • Read science fiction. Go to science fiction conventions, which is a great way to meet hackers and proto-hackers. Consider training in a martial art. The kind of mental discipline required for martial arts seems to be similar in important ways to what hackers do. The most hacker-ly martial arts are those which emphasize mental discipline, relaxed awareness, and control, rather than raw strength, athleticism, or physical toughness. Tai Chi is a good martial art for hackers.
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    2
    Learn to love solving problems. No problem should ever have to be solved twice. Think of it as a community in which the time of everyone is hackers is precious. Hackers believe sharing information is a moral responsibility. When you solve problems, make the information public to help everyone solve the same issue.
    • You don't have to believe that you're obligated to give all your creative product away, though the hackers that do are the ones that get most respect from other hackers. It's consistent with hacker values to sell enough of it to keep you in food and rent and computers.
    • Read older pieces, such as the "Jargon File" or "Hacker Manifesto" by The Mentor. They may be out of date in terms of technical issues, but the attitude and spirit are just as timely.[6]
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    3
    Learn to recognize and fight authority. The enemy of the hacker is boredom, drudgery, and authoritarian figures who use censorship and secrecy to strangle the freedom of information. Monotonous work keeps the hacker from hacking.
    • Embracing hacking as a way of life is to reject so-called "normal" concepts of work and property, choosing instead to fight for equality and common knowledge.
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    4
    Be competent. So, anyone who spends time on Reddit can write up a ridiculous cyberpunk user name and pose as a hacker. But the Internet is a great equalizer, and values competence over ego and posture. Spend time working on your craft and not your image and you'll more quickly gain respect than modeling yourself on the superficial things we think of "hacking" in popular culture.

Part 3
Hacking Well

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    1
    Write open-source software. Write programs that other hackers think are fun or useful, and give the program sources away to the whole hacker culture to use. Hackerdom's most revered demigods are people who have written large, capable programs that met a widespread need and given them away, so that now everyone uses them.
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    2
    Help test and debug open-source software. Any open-source author who's thinking will tell you that good beta-testers (who know how to describe symptoms clearly, localize problems well, can tolerate bugs in a quickie release, and are willing to apply a few simple diagnostic routines) are worth their weight in rubies.
    • Try to find a program under development that you're interested in and be a good beta-tester. There's a natural progression from helping test programs to helping debug them to helping modify them. You'll learn a lot this way, and generate goodwill with people who will help you later on.
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    3
    Publish useful information. Another good thing is to collect and filter useful and interesting information into web pages or documents like Frequently Asked Questions (FAQ) lists, and make those generally available. Maintainers of major technical FAQs get almost as much respect as open-source authors.
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    4
    Help keep the infrastructure working. The hacker culture (and the engineering development of the Internet, for that matter) is run by volunteers. There's a lot of necessary but unglamorous work that needs done to keep it going — administering mailing lists, moderating newsgroups, maintaining large software archive sites, developing RFCs and other technical standards. People who do this sort of thing well get a lot of respect, because everybody knows these jobs are huge time sinks and not as much fun as playing with code. Doing them shows dedication.
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    5
    Serve the hacker culture itself. This is not something you'll be positioned to do until you've been around for a while and become well-known for one of the four previous items. The hacker culture doesn't have leaders, exactly, but it does have culture heroes and tribal elders and historians and spokespeople. When you've been in the trenches long enough, you may grow into one of these.
    • Hackers distrust blatant ego in their tribal elders, so visibly reaching for this kind of fame is dangerous. Rather than striving for it, you have to sort of position yourself so it drops in your lap, and then be modest and gracious about your status.
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