Thursday, May 16, 2013

The basics of chip-and-PIN credit cards

We’ve gotten a lot of questions from readers lately about chip-and-PIN credit cards, also known as EMV cards (for Europay, MasterCard and Visa, the originators of the technology). Although they’re almost universal in Europe, credit card companies have yet to widely offer them to American customers. For travelers headed around the globe, here are the basics.

A chip-and-PIN card looks pretty much like the plastic you’re used to. But it’s embedded with a special chip that contains the same information that has traditionally been contained in the magnetic strip along the top of a standard card (some cards have both). When you swipe a chip-and-PIN card, you must enter a PIN to complete your purchase, the way you do with a debit card.

Despite a Rasmussen Report which found that 88 percent of Americans think that it will be at least slightly difficult for college graduates to find a job, Blue Chip Exec has enough confidence in its ability to find the perfect job  for graduates with its unique programming, that its website also promises to instill confidence and clarity on career goals for users as well. Thecompany even offers a full cash refund if the recipient does not in fact find that dream job within the 60 day time frame.

Blue Chip Exec is also contending against a brutal reality in which half of recent college graduates are either unemployed or underemployed at jobs not representative of their degrees.
Rove also suggested that Obama had played a part in the Internal Revenue Service's decision to subject small conservative groups to extra scrutiny when they applied for tax-exempt status.

"He went out and denounced conservative 501(c)4 groups as enemies of democracy,” Rove said. “You can’t tell me some IRS bureaucrat in Cincinnati, Washington or California -- all of which were conducting investigations of conservative groups -- were not hardened by the president going out declaring groups they were looking at quote, 'enemies of plastic card.'”

Rove's appearance on Fox News marks his latest attempt to turn the screws on Obama and Democrats over the scandals. On Tuesday, he argued Senate Democrats were to blame for IRS targeting of conservative groups. And on Wednesday, Rove wrote an op-ed in the Wall Street Journal declaring that news of the State Department's changed talking points on the Benghazi, Libya, terrorist attack, as well as the IRS and Justice Department scandals, would bolster Republicans and hurt Democrats -- particularly Obama.

"These three big controversies might also sap Mr. Obama's remaining strength," he wrote. "Swing voters who re-elected him in 2012 after punishing his party in 2010 clearly like the man. But evasive White House answers on Benghazi, the IRS's thuggish behavior, and the media's willingness to more aggressively challenge the White House could all undermine Mr. Obama's likability among this group."

 Board of Advisor members provide strategic and technical input to PCI SSC on specific areas of Council focus. Past board members have provided reach into key industry verticals and geographies to help raise awareness and adoption of PCI Standards; have shared their experience with implementing PCI Standards in presentations at the annual Community Meetings; and have contributed guidance on training product development and led Special Interest Groups (SIGs).

"Active involvement from our Participating Organization base is critical to ensuring the PCI Standards remain at the front line for protection against threats to payment card data. Once again I am impressed by the turn out in the election process. It's particularly encouraging to see new markets looking towards open global standards like the PCI Standards to help secure payment card data worldwide," said Bob Russo, general manager, PCI Security Standards Council. "The Council and wider stakeholder community will benefit from the breadth of experiences and perspectives that this new board represents."The board will support the Council's mission to raise awareness and drive adoption of PCI Standards worldwide and will kick off its work in June with its first face-to-face meeting with Council management. "This year saw more European involvement than ever in the Board of Advisors election process. Although Europe contains mature EMV markets, this level of involvement in the PCI SSC confirms that the combination of PCI Standards and EMV chip is a powerful force for protecting payment card data," said Jeremy King, European director, PCI Security Standards Council. "Our new board is a truly global group, and the Council wNever before can there have been a time in football when retirement has been so de rigeur among the A-listers. Paul Scholes and Jamie Carragher have already called time on their own careers. Michael Owen's announcement came in March and, in case you have not heard about it, a certain someone at Manchester United takes charge of his last match on Sunday. It makes you wonder who might be next. It also means there are only two players, Steven Gerrard and Rio Ferdinand, from that World Cup qualifier at Old Trafford in October 2001 who will be going in for the daily grind of training when pre-season starts in July. For Beckham, this must be the first time in his life when he has been following the trend rather than setting it.

Yet it does not come as a jolt. Watching him for Paris Saint-Germain recently, it was clear he still had that refined touch. He hadn't lost the knack of being able to kill the ball stone-dead. He could still see a pass, understand just the right amount of pace to put on the ball and trust himself to play it with all the old expertise. Yet it was also apparent that his mobility was no longer there. That body has clocked up a lot of miles over the years and, as his good friend Gary Neville pointed out, Beckham's success was not just about the fact he could play the ball any distance, long or short, or even the competitive courage that helped him become a serial champion at Old Trafford. It was his phenomenal work rate, the colossal distance he would cover every time he pulled on a football kit (Beckham was known to run 12km in a single match in younger years) and the general feeling that he would give everything for his team.

Sir Alex Ferguson once said he had never seen another right-footed player with the possible exception of Johnny Giles who could strike the ball so cleanly and with such wonderful accuracy. Beckham made you want to believe that right feet could be described as "educated", too. His technique from free-kicks was renowned but the harder skill for a right-sided midfielder has always been to deliver the telling cross on the run. Beckham made this his forte. He would aim for the six-yard line but with a trajectory that meant the ball would arc away from the goal. The cross would be delivered with pace, rather than floated over, making it harder for the goalkeeper to judge the flight of the ball. They were the kind of deliveries, in short, that goalkeepers detest and nobody before, or since, has put over with such distinction.ill benefit greatly from its input as we continue to drive awareness and adoption of PCI Standards worldwide."
Users of Blue Chip Exec must purchase a guaranteed membership plan as well as distribute résumés to recommended sites and people, send at least 100 outreach emails to various companies, and meet with at least 30 personal contacts in order to be refunded money in the event that the ideal job is not to be found.

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