금융감독원에서는 지난 3월 온라인 쇼핑물이나 해외 직구사이트에서 물건을 구입하고 카드로 결제 과정에서 해킹을 통해 실제의 결제창을 똑같이 모방한 결제창이 가능하다고 지적했다. 취약한 해외 직구에서 모방된 피싱 결제창을 통해 사기를 치는 수법이다.해외직구 온라인 사이트를 사칭하는 앱까지 개발돼 이용객들의 카드정보를 탈취해 인증절차 없이 카드번호와 비밀번호만으로 결제가 가능한 온라인 쇼핑몰에서 물건을 구입하고 팔아넘기는 수법까지 난무하고 있다.해외 직구 시에는 개인정보 유출 방지를 위해 주민번호 대신 개인 통관번호가 이용되고 있다. 그
People in positions of power, such as government employees and politicians, are working on behalf of the citizens. We expect these people to be honest and to do what is best for the people. It doesn’t always work like that. They might be tempted by money and other rewards to do things and make decis
Banks, stores, other businesses and even government agencies look for ways to earn money for the work that they do. These entities charge money to their customers and the users of their services. When you exchange money at the bank, you pay a user fee. If a customer wants to have a printout or a pho
최근 한약의 갱년기 증상 개선 효과가 과학적으로 입증되고 있다. 특히 자생척추관절연구소의 연구 논문에 따르면 한약재 중 황정, 연자육 등은 갱년기의 골다공증, 비만, 우울증 치료 효과가 탁월하며 부작용 우려도 없음이 밝혀졌다.갱년기 증상은 크게 3가지 패턴으로 나타난다. 얼굴에 열이 자주 오르고 화끈거림, 화(火)가 자주 나타나는 ‘음허화동(陰虛火動)’형, 기운이 없고 의욕이 없고 우울하고 입맛이 없고 소화도 안되는 ‘기허(氣虛)’형, 그리고 팔다리가 자주 저리고 몸 이곳저곳이 아픈 ‘기체혈어(氣滯血瘀)’형이 있다.첫째 음허화동 패
Shopping is fun and buying something new is exciting! Going into debt and owing money is depressing and can cause stress. Why do we do it? Maybe the power of those happy emotions from having something new is greater than the anxiety of being in debt. Maybe we just have poor memories and we forget ho
The state of a nation’s economy is affected by a long list of variables including government spending, international trade, manufacturing, availability of jobs and housing and much more. Citizens of a nation might have qualms about their economy if they are having difficulties providing safe, comfor
In the arena of economics, what does it mean to be successful? A simple question deserves a simple answer: MONEY! How much money is required to determine success? That question is a little more complicated. If you have access to money or if you have access to credit sufficient to pay for the things
What is the value of precious gems and are they a good investment? We always say that “diamonds are a girl’s best friend”, but why? Long ago, when people did not trust printed currency, diamonds, rubies, emeralds and other precious gems seemed like reliable and valuable assets. If the economy crashe
In the world of business, the term “capital” refers to money. Venture capital is money that is used for investing in a project that has a substantial amount of risk. Some examples of venture capital are financial investments in new businesses or in a business that is trying to expand. Sometimes ther
All nations need money to manage their countries. It costs money to build roads, maintain a military, operate schools and provide medical care. The list of needs is long. Where does that money come from? The citizens provide that money through taxation. They must work to earn money in order to pay t
As companies grow, they often branch out into various fields. They realize that they can both reduce expenses and increase profits if they control all stages of their businesses, from the production of raw materials all the way to sales. An umbrella company is like a parent with many smaller compani
Working to earn money is part of life for the average individual. We consider the rate of payment and we tally up the hours invested to calculate gross income. That might seem like a fair amount of money to receive for the work performed. That’s when the government gets involved. The government calc
Saving money while spending money is a tricky skill. It means that a consumer has to look for good deals and discounted prices. Sometimes it requires a consumer to make a large quantity purchase in order to get a cheaper price, even if the amount of the item is much more than is needed. Manufacturer
Consumers are at the end of the line in the chain of consumerism. From farmers and raw ingredients providers to agents and sales representatives to marketing people to shipping agents to merchants who provide finished products, every link in the chain takes a piece of the profit. The consumer at the
Advertising is not only for the purpose of informing the public about a product or service that is available. It is a very important method used to persuade people to get involved in something or pay for something that they might not normally be interested in. Advertising must create an impression f
지난해 말 저는 삼성전자 MX사업부장에 더해 디자인경영센터장의 역할도 맡게 됐습니다. 엔지니어로서, 고객을 위한 궁극의 디자인과 기술 혁신은 떼려야 뗄 수 없다는 것은 잘 알고 있었지만, 이번에 새로운 역할을 맡으면서 디자인과 연구개발(R&D)이 서로 시너지를 낼 때 비로소 혁신적인 사용자 경험을 만들어낼 수 있다는 것을 새삼 실감할 수 있었습니다. 저는 삼성 디자이너들과 함께 우리의 디자인 전략과 미래 성장 방향성을 고민했습니다. 시간이 흘러도 변하지 않는 약속사실, 삼성의 디자인 철학은 1996년에 이미 정립됐습니다. 바로 '사
The Internet is an integral part of societies around the world. Smartphones have taken us to a place that only home and office computers occupied, before. Now, you can read, see, write and provide information 24 hours a day. There is a deluge of information and most of it is flowing through the popu
Manufacturing has certain images. Factories that pay low wages to their workers sell their products at low prices. People that buy those items cannot complain about low quality because the prices are low. Low quality because of low prices leads to people making judgements about the whole country whe
Companies sometimes create a rosy scenario of a lucky purchase, but they hide certain expenses in small print. You might be intrigued about a fantastic travel package including airfare, hotels, and meals. The price is right so you are tempted. However, in the small print of the contract it explains
Keeping expenses within a budget is often a matter of discipline. If your household total income is sufficient to pay all of your bills and you still have some money remaining, you are quite fortunate. That so-called “extra money” has value and it would be a bad idea to just waste it. So, what can b