Endpoint protection can cause your computer to be hacked

Products often open computers to hacks they otherwise wouldn’t be vulnerable to.

Source: Security wares like Kaspersky AV can make you more vulnerable to attacks | Ars Technica

Most people call it anti-virus but really it is more and called endpoint protection. Some big names on this list. Disappointing this exists. If these exist, there are probably other vulnerabilities just waiting to be used.

It makes you wonder if going bare naked on a computer is the safest way to use a computer. It seems crazy, but the less software you use, the better off you are. I have said before my idea of modular software in which you only pay for the things you use. The problem is that the computer as great as a tool it is, overwhelms most people with choice. I see everyday people who look at the toolbar/ribbon in Word and can’t find the tool they need because there are too many icons on the screen. You really have to look at something for a long time before it doesn’t seem overwhelming with choice.

It also seems crazy that we throw functionality at people but we overwhelm with choice. So for example this endpoint protection has all kinds of great features, but every feature also opens up the ability of malware to exploit it. Instead of assuming everyone is either an idiot like the iPad or a power user like most Linux users, there should be a guided tour of what is possible. Or better yet, context-sensitive functionality. That is, when you need to write then you have the choices presented to you as icons. When you need more detail you click on the icon and then go to an icon nested in that icon. It sounds more complicated than it is. I love how that system works. You just need to remember some icons which people remember and you can find anything.

Anyway, still continue to update your endpoint protection software and stay safe out there!

730 Credit Score Is Good, But Not Excellent In 2015

(Updated for 2015) Is a 730 credit score good enough for the best credit cards, mortgage & auto loan rates? This is what you can expect with a 730 FICO.

Source: 730 Credit Score Is Good, But Not Excellent In 2015

I was helping a friend who leased a car and he said that his 701 score qualified for tier 1 credit.

This was interesting. I had helped other friends buy a car and some dealers have different standards of what scores are acceptable for tier 1 credit. For example Nissan dealers I read will accept a 620 score for Tier 1 credit, while Lexus wants a 720 for tier 1 credit. It makes sense. You would assume that people with more money would also have higher standards than a more affordable car.

What else was interesting is that there is apparently a tier 0 of credit. It seems to be at 740 or above. There are no official listing for the rate, but some 0% interest financing deals does seem to only be available on “approved credit”. So perhaps this is what retired people/famous people get deals with.

I wonder if credit is easier for people to get now than in the past? I remember growing up and how impossible it seemed to buy a car for my parents. Even though they rarely spent money, it was always difficult to get a car. It seems the car manufactures are making it easier to buy cars than they used to be. Or perhaps more people have cars because there are more used cars on the market than ever in the past. In the recession people held onto older cars and now the average age of a car is 11 years! Amazing isn’t it?