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Credit card counseling

You may have seen the commercials on TV "Freedom Debt Relief" and credit card counseling. These services allow helping you control your life to get back by offering credit card debt free reduction. In some cases they may even be able to repair your credit to some extent. In fact, the debt consolidation has become a 7 billion U.S. dollars a year industry, but how do you know that the debt / credit repair scam or legitimate business?

Ten years ago, the National Foundation for Credit Counseling and its affiliates in Consumer Credit Counseling Services Credit card counseling dominated the scene. She worked with the plan to repay creditors, debt settlement and to negotiate lower rates for those who slip behind. However, the increase in consumer debt prompted hundreds of start-ups were as savvy in the world of advertising if they were credit repair scams.

Some of the competitors, who were often called "debt settlement specialists," charged large upfront fees for multiple creditor’s mere pennies on the dollar. Often, people pay as much as $ 3000 off-the-bat to their accounts up to date, only to find that the colonists had no debt to repay their creditors at all! Finding a legitimate business, it is recommended that you verify their identity through the Better Business Bureau and the stick with one of the famous, non-profit organizations such as the NFCC and CCCS said and get out of debt.

In dealing with credit card counseling services, research the company before signing up. You needn't pay exorbitant advance for most legitimate businesses. Consumer Credit Counseling Services, for example, only costs a $ 10 set-up fee. If the company isn't joined the National Foundation for Credit Counseling or the Association of Independent Consumer Credit Counseling Agencies, may be a scam.

If you find yourself delayed or missed payments within the first month of service, then get out, because there may be money from your pocket. Also beware of false promises to your debts for little or no money to arrange. If you've missed several payments over a long period of time, then you're going to a low credit score for the next year or two. The information will remain on your record for seven years after the initial delinquency, so patience is needed to restore your credit.

"People faced with credit card debt is not their financial problems and can not be resolved so they are leaving," said Ben Woolsey, director of consumer research for the "Credit Card ". In a recent study 35% of cardholders who carry a balance on their credit cards and 15% said they've had some trouble making payments. Credit card counseling is a good way out of the cycle of denial and ignorance, Woolsey added. Many people would rather talk about something other than personal finance. A credit repair company debt or supervisor will put everything on the table, setting up an agenda and identify hotspots.

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Dot Net Questions: COM - DCOM - COM+

The dot net frameworks allow you to build serviced components that can use com+ services. These components of dot net framework runs in the manages execution environment of dot net framework that is share their content with com+ application.

Now the question arise what com+ and what is doing how is its comes in existence. Before com+ comes into existence. COM (Component Object Model) is first programming model that provide component based approach to software development. This component based approach of com allowed us to develop small, logical reusable and stand alone modules that integrates into a single application. But these components could not be display on over network.

So these drawback produce another model that is DCOM (distributes COM). DCOM programming model enabled you to display com components over network and distribute application easily across platforms. DCOM components also help in two-tier client/server applications. These models also have some drawback that helps to development of COM+ approach. What these drawbacks are…


These two-tier architecture helps us to sharing of resources and data but these approach have some drawbacks that are as follows.

The DCOM approach overburdened client computer with the responsibility of performing all processing functions while the server merely acted as traffic controller, helps movement of data to and from the client and server components. So availability of resources was therefore, always a problem and the performance of application suffered. Multiple request of data cause to network traffic. So performance of application decreases.

Dot Net Interview Questions - Dot Net FAQ

After all these Microsoft introduced windows DNA(Windows Distributed internet applications) architecture that overcomes the shortcoming of the two-tier system. The windows DNA helps us to develop three-tier application architecture which helps us to maintain the business logic and data access code in separate components that is business objects. These separate the client application from the business logic and data access code so no need of recompiling and redeveloping client application after change in code.


Know more about dot net questions and COM - DCOM.

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Basic ASP NET programming tips

ASP net programming is a web application developed by Microsoft. It is a powerful web application that allows programmers to build dynamic websites, web services and web applications.

There are two important things to note about ASP. It is not a programming language, but a technology that allows a web application development . The action involved in this technology takes place on the server and not the personal computer. When on a server, it can interpret different programming languages including JavaScript, PerlScript and VBScript. It is also possible to mix these languages on the same ASP web page framework in order to obtain better results.

In order to get started with it, you need a web server and a .NET framework. Make sure the web server supports the .NET framework. It can wither be Microsoft IIS (Internet Information Services) or an Apache 2 with mod_aspdotnet in it. Once the web server has bee set up, you need to consider the text editor you would use. Notepad on Windows or Emacs on Linux are good editor choices. Of late, Notepad ++ has been used extensively since it has enhanced features like syntax highlighting, enables FTP and an integrated word count function as well.


Here is the series of steps in creating a simple ASP.NET web page:
• Choose and define the language you want to use on the framework. Typically it is C# or VB.
• Next, create a HTML form.
• Ping this form to the server you want to use.
• Any processing on the server should be carried out.
• Return the necessary results to the client according to their requirements.


I am working as an asp net programmer in an
offshore web development company. ASP NET programming is one of my interests and I like to educate public about it through my articles.

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Why is 24/7 Customer Service Important?

One of the main things that I would recommend when it comes to look at your next/first cheap web hosting company is one that offers 24/7 customer support. You shouldn’t have a problem in finding a company that does offer this because many hosting companies recognize how important this is. The reason it is important is because of time differences Its all very well at signing up to a company that offer support 9am-5pm but if that’s for an American company that’s not going to be very helpful if your are in the UK. 9am in American can range from 1pm to around 5pm in England. If your web hosting is down or you need some support, its not going to be very helpful waiting until the afternoon before you can get some help. If your website is down then you are losing money as no one can get to your site. Also if a new person visits and your website isn’t working then the chances of them coming back are very slim, so you are affecting your future traffic too. For this reason you want a company that will be there to fix it, no matter the time of day!

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Dot Net Remoting In Dot Net Questions

Remoting helps in communication between two or more application. It does not matter whether it is on same computer or on different computers and it is also possible that both are using different operating system. The dot net remoting helps in number of services such as control on the lifetime of objects and also helps in transporting message in different objects using communication channels. Communication channels helps in transport message in between the remote objects.

When any messages are sent with communication channels are encoded and after this decoded with the help of dot net serialization formatters these are binary and soap. These are two kinds of encoding possible just like binary and xml encoding. Both of these have different users. Binary encoding helps full where performance is first requirement. Xml coding helps where interoperability is required.


Dot net remoting enables to perform communication between different object by using number of transportation protocols such as HTP and TCP/IP.

Dot net remoting system allows client to call objects in remoting boundaries. This boundary includes application domains, and processes in computer. To communicate between server objects and client objects we need to use object reference of server objects in client application in dot net Remoting. When we create a instance of remote objects using new keyword client get a reference to this server objects. After getting this reference client can call methods on server objects this object resides in client’s process not on different computer.

Dot net remoting proxy objects to allow the client process to get server objects. When we create instance of remoting objects dot net remoting creates a proxy object and send this to client application.


For more info on Dot Net Interview Questions and Dot Net Questions visit dotnetquestion.info

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The Java Programming Language

Java - an island of Indonesia, a type of coffee, and a programming language. Three very different meanings, each in varying degrees of importance. Most programmers, though, are interested in the Java programming language. In just a few short years (since late 1995), Java has taken the software community by storm. Its phenomenal success has made Java the fastest growing programming language ever. There's plenty of hype about Java, and what it can do. Many programmers, and end-users, are confused about exactly what it is, and what Java offers.
Java is a revolutionary language

The properties that make Java so attractive are present in other programming languages. Many languages are ideally suited for certain types of applications, even more so than Java. But Java brings all these properties together, in one language. This is a revolutionary jump forward for the software industry.


Let's look at some of the properties in more detail: -

*

object-oriented
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portable
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multi-threaded
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automatic garbage collection
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secure
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network and "Internet" aware
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simplicity and ease-of-use

Object-oriented

Many older languages, like C and Pascal, were procedural languages. Procedures (also called functions) were blocks of code that were part of a module or application. Procedures passed parameters (primitive data types like integers, characters, strings, and floating point numbers). Code was treated separately to data. You had to pass around data structures, and procedures could easily modify their contents. This was a source of problems, as parts of a program could have unforeseen effects in other parts. Tracking down which procedure was at fault wasted a great deal of time and effort, particularly with large programs.


In some procedural language, you could even obtain the memory location of a data structure. Armed with this location, you could read and write to the data at a later time, or accidentally overwrite the contents.

Java is an object-oriented language. An object-oriented language deals with objects. Objects contain both data (member variables) and code (methods). Each object belongs to a particular class, which is a blueprint describing the member variables and methods an object offers. In Java, almost every variable is an object of some type or another - even strings. Object-oriented programming requires a different way of thinking, but is a better way to design software than procedural programming.

There are many popular object-oriented languages available today. Some like Smalltalk and Java are designed from the beginning to be object-oriented. Others, like C++, are partially object-oriented, and partially procedural. In C++, you can still overwrite the contents of data structures and objects, causing the application to crash. Thankfully, Java prohibits direct access to memory contents, leading to a more robust system.
Portable

Most programming languages are designed for a specific operating system and processor architecture. When source code (the instructions that make up a program) are compiled, it is converted to machine code which can be executed only on one type of machine. This process produces native code, which is extremely fast.

Another type of language is one that is interpreted. Interpreted code is read by a software application (the interpreter), which performs the specified actions. Interpreted code often doesn't need to be compiled - it is translated as it is run. For this reason, interpreted code is quite slow, but often portable across different operating systems and processor architectures.

Java takes the best of both techniques. Java code is compiled into a platform-neutral machine code, which is called Java bytecode. A special type of interpreter, known as a Java Virtual Machine (JVM), reads the bytecode, and processes it. Figure One shows a disassembly of a small Java application. The bytecode, indicated by the arrow, is represented in text form here, but when compiled it is represented as bytes to conserve space.


Figure One - Bytecode disassembly for "HelloWorld"

The approach Java takes offers some big advantages over other interpreted languages. Firstly, the source code is protected from view and modification - only the bytecode needs to be made available to users. Secondly, security mechanisms can scan bytecode for signs of modification or harmful code, complimenting the other security mechanisms of Java. Most of all though, it means that Java code can be compiled once, and run on any machine and operating system combination that supports a Java Virtual Machine (JVM). Java can run on Unix, Windows, Macintosh, and even the Palm Pilot. Java can even run inside a web browser, or a web server. Being portable means that the application only has to be written once - and can then execute on a wider range of machines. This saves a lot of time, and money.
Multi-threaded

If you've ever written complex applications in C, or PERL, you'll probably have come across the concept of multiple processes before. An application can split itself into separate copies, which run concurrently. Each copy replicates code and data, resulting in increased memory consumption. Getting the copies to talk together can be complex, and frustrating. Creating each process involves a call to the operating system, which consumes extra CPU time as well.

A better model is to use multiple threads of execution, referred to as threads for short. Threads can share data and code, making it easier to share data between thread instances. They also use less memory and CPU overhead. Some languages, like C++, have support for threads, but they are complex to use. Java has support for multiple threads of execution built right into the language. Threads require a different way of thinking, but can be understood very quickly. Thread support in Java is very simple to use, and the use of threads in applications and applets is quite commonplace.
Automatic garbage collection

No, we're not talking about taking out the trash (though a computer that could literally do that would be kind of neat). The term garbage collection refers to the reclamation of unused memory space. When applications create objects, the JVM allocates memory space for their storage. When the object is no longer needed (no reference to the object exists), the memory space can be reclaimed for later use.

Languages like C++ force programmers to allocate and deallocate memory for data and objects manually. This adds extra complexity, but also causes another problem - memory leaks. When programmers forget to deallocate memory, the amount of free memory available is decreased. Programs that frequently create and destroy objects may eventually find that there is no memory left. In Java, the programmer is free from such worries, as the JVM will perform automatic garbage collection of objects.
Secure

Security is a big issue with Java. Since Java applets are downloaded remotely, and executed in a browser, security is of great concern. We wouldn't want applets reading our personal documents, deleting files, or causing mischief. At the API level, there are strong security restrictions on file and network access for applets, as well as support for digital signatures to verify the integrity of downloaded code. At the bytecode level, checks are made for obvious hacks, such as stack manipulation or invalid bytecode. The strong security mechanisms in Java help to protect against inadvertent or intentional security violations, but it is important to remember that no system is perfect. The weakest link in the chain is the Java Virtual Machine on which it is run - a JVM with known security weaknesses can be prone to attack. It is also worth noting that while there have been a few identified weaknesses in JVMs, they are rare, and usually fixed quickly.
Network and "Internet" aware

Java was designed to be "Internet" aware, and to support network programming. The Java API provides extensive network support, from sockets and IP addresses, to URLs and HTTP. It's extremely easy to write network applications in Java, and the code is completely portable between platforms. In languages like C/C++, the networking code must be re-written for different operating systems, and is usually more complex. The networking support of Java saves a lot of time, and effort.

Java also includes support for more exotic network programming, such as remote-method invocation (RMI), CORBA and Jini. These distributed systems technologies make Java an attractive choice for large distributed systems.
Simplicity and ease-of-use

Java draws its roots from the C++ language. C++ is widely used, and very popular. Yet it is regarded as a complex language, with features like multiple-inheritance, templates and pointers that are counter-productive. Java, on the other hand, is closer to a "pure" object-oriented language. Access to memory pointers is removed, and object-references are used instead. Support for multiple-inheritance has been removed, which lends itself to clearer and simpler class designs. The I/O and network library is very easy to use, and the Java API provides developers with lots of time-saving code (such as networking and data-structures). After using Java for awhile, most developers are reluctant to return to other languages, because of the simplicity and elegance of Java.

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