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Ever wonder how secure your information truly is? What security protocols do you practice? Maybe creating a password? Locking the computer so others cannot access your data? Bypassing windows passwords only takes a minute or less and the windows 10 installation disk. Thus far, I have been successful in using the Windows 10 disk to bypass account passwords and even activating deactivated accounts on Windows Server 2012, Windows 10, Windows 7, and Windows 8.1. I have yet to test the technique to bypass locked computer accounts in Windows XP and Vista, but I do not foresee any complications with those operating systems.

Before you think this makes you safer because you use Mac OS X. I have also been able to bypass root level account passwords on a MacBook Pro, running Mac OS X (10.10) Yosemite operating system, using built-in Apple commands. This method also took less than a minute to accomplish.

The security implemented in an operating system and accounts always has a level of vulnerability. Most security measures are feel good methods. Username and passwords, for example, represent single level authentication, identifying who you are, the username and proof that you are who you are, the password. It is said for modern security protocols to require the username to be unique and the password to have a minimum of 16 characters and a random combination of uppercase, lowercase, numbers and special characters to be utilized. 16 digits the extent of the average person to remember their own passwords. With the growing technological advancements of computer processing power, such passwords will eventually be capable of being broken in shorter amounts of time, eventually making them completely useless. Most operating systems store username and password combinations as hash algorithms in specific files that can be viewed as plain text, resulting in the need for passwords to be ultimately obsolete.

Stating those facts does not mean "So, why bother?" with username and passwords. Passwords do stop the average person from gaining access and some level of security is better than no level of security. There, of course, are other ways to better secure your operating systems, preventing the method mentioned here from being capable of being utilized. Data at rest encryption, for example, is an option at the operating system level. This means a decryption process must occur prior to the operating system boot.
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Health Insurance Policy

Health Insurance

The term ' Health Insurance' relates to a type of insurance that essentially covers your medical expenses. A health insurance policy like other policy is a contract between and insurer and an individual/ group in which the insurer agrees to provide specified health insurance covers at a particular "Premium" subject to terms and conditions specified in the policy.

  • What a Health Insurance policy would normally cover
A Health Insurance Policy would normally cover expenses reasonably and necessarily incurred under the following heads in respect of each insured person subject to overall ceiling of sum insured.
  1. Room, Boarding expenses
  2. Nursing expenses
  3. Fees of surgeon, anesthetist, physician, consultants, specialists
  4. Anesthesia, blood, oxygen, operation theater charges, surgical appliances, medicines, drugs, diagnostic materials, X-ray, Dialysis, Chemotherapy, Radio therapy, Cost of pace maker, Artificial limbs, cost or organs and similar expenses.
  • Sum Insured
The Sum Insured offered may be on an individual basis on floater basis for the family as a whole.
  • Cumulative Bonus (CB)
Health Insurance policies may offer Cumulative Bonus wherein for every claim free year, the Sum Insured is increased by a certain percentage at the time of renewal subject to a maximum percentage. In case of a claim, CB will be reduced by 10% at the next renewal.
  • Cost of Health Check-up
Health policies may also contain a provision for reimbursement of cost of health check up. Read your policy carefully to understand what is allowed.
  • Minimum period of stay in Hospital 
In order to become eligible to make a claim under the policy, minimum stay in the Hospital is necessary for a certain number of hours. Usually this is 24 hours. This time limit may not apply for treatment of accident injuries and for certain specified treatments. Read the policy provision to understand the details.
  • Pre and Post hospitalization expenses
Expenses incurred during a certain number of days prior to hospitalization and post hospitalization expense for a specified period from the date of discharge may be considered as part of the claim provided the expenses relate to the disease /sickness.
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