Electronic Gadget

With the coming of computers and the internet reaching to almost every nook and corner, communicating to any part of the world, across geographical boundaries, beyond continents is no more a difficult proposition. This is how the internet has facilitated the growth and development of online education which involves various online courses designed by various institutes and on the completion of each course, online degrees are awarded to the successful candidates. It is necessary to point out that online education depends primarily upon the close interaction between the tutors and th students online and for this purpose there are various significant software tools which have been devised to aid in effective course management online. These applications can be referred to as Learning Management Systems, Virtual Learning Environments and Course Management Systems. Sakai refers to a conglomeration of educational institutions, individuals and commercial organizations which work for the development of a Collaboration and Learning Environment to CLE. The Sakai CLE is a free and open source software based on Java and is circulated under the authority of the Educational Community License, aiding considerably in the imparting of knowledge through online education. This educational learning software platform is used commonly used by the various educational institutions offering online educational courses. Prior to the coming into being of the Sakai CLE, the Sakai Project was initiated by the Mellon Foundation. The various educational institutions which played a dominant role in the inception of the Sakai Project and which have thereby developed extensive course management systems include Stanford University , Indiana University, University of Michigan , Massachusetts Institute of Technology. Recently, University of Virginia has also decided to introduce Sakai .

The Sakai software system possesses the various common features that are present in the course management systems. These include chats, wiki, online assessments and gradebooks, RSS reader and uploading facilities of assignments. The Sakai Foundation is a non-profit organization which boats of a huge and growing membership of educational institutions which come together in order to facilitate the spread of education and research online and it is possible for the various members to benefit from the software applications of Sakai . However, it is necessary to point out in this case that it is not necessary for one to be a user of the Sakai software applications in order to be a member of the Sakai foundation. The main purpose of the foundation is to ensure the spread of knowledge through the use of better software applications which will aid the interaction between the tutors and students considerably.

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Is identity theft really that serious? Thousands of people every year are victims of this terrible crime. Thieves use your personal information to commit fraud or other crimes in your name and can cause significant credit damage. Identifying information taken without your permission, such as your Social Security number (SSN), credit card number, or your drivers’ license, can be used to “steal your identity.”

The effects of identity theft are much greater than most people suspect. Victims can spend years trying to re-establish their credit and their good names. The cost of this process, both financially and emotionally, is often quite high. But there are options (see below).

Identity theft is a serious crime. The Federal Trade Commission reports identity theft as its number one source of complaints by consumers. The average victim pays more than $1,000 repairing the damage and loses an average of $6,767. A recent study by CBS News claims that a thief steals someone’s identity “every 79 seconds.”2 An estimated 750,000 people are victimized each year.3

How can you tell if you are a victim of identity theft? There are some clues. First, it’s important to always monitor the balances on your checking, savings, or other financial accounts. Keep an eye out for unexplained charges or withdrawals made without your permission. Carefully reading your monthly bank and credit card statements, then checking the amounts against your check register or other record-keeping method could catch a thief in the act of assuming your identity and spending your hard-earned money.

Identity thieves may change the address on one or more of your bills, so make sure you know when you usually receive specific notices. For instance, if you receive your credit card statement at the beginning of the month and it doesn’t arrive in the mail, this could signal an address change by an identity thief. Another clue that comes in the mail is a credit card for which you didn’t apply or a statement for a credit card that you have never used. Someone may have used your information to apply for a line of credit.

Also take note if you are getting phone calls from debt collection agencies, credit departments, or other companies regarding merchandise or services that you did not purchase. Someone may be acquiring goods and services in your name.

And finally, when applying for a line of credit, be aware of your credit standing. If you know you have a good credit rating and get turned down by a credit card company, this is a red flag that someone else may be sullying your rating. Even if you don’t know your credit score, always ask why you were declined and verify the reason against your credit report.

Once your identity has been stolen and your credit has been damaged, the long process of regaining your name and good standing could cost you more than inconvenience. Victims are unable to qualify for loans, to purchase houses and cars, and to pay for higher education. They may be refused job opportunities and even be arrested for crimes committed by the identity thief.

In the meantime, the criminal with your personal information may:

• Go on a shopping spree with your credit or debit card account numbers. Thieves may also create counterfeit debit cards or checks. Merchandise can be sold and the criminals walk away with cash.

• Open credit or checking accounts in your name with your SSN and date of birth. As the bills pile up, your credit report reflects the delinquent account.

• Have your credit card statements sent to a phony address. Without the bills as a reference, it may take you a while to realize your account is being used.

• Take out loans in your name for big purchases, such as a new car.

• Set up telephone or internet service in your name.

• Avoid the responsibilities of debt or an impending eviction by filing bankruptcy using your SSN.

• Give your name to police when being arrested. If the criminal is released on bond but fails to appear for the court date, police may issue an arrest warrant for you.

• If you have need to contact the three main credit bureaus, go to www.apscreen.com to find out more.

Protecting yourself against identity theft takes a little extra time, but in comparison to the time, effort, and money it takes to reclaim your name once it has been stolen, the vigilance is well worth it.