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    This is a nifty little device: a credit card with an onboard one-time password generator. The idea is that the user enters his PIN every time he makes an online purchase, and enters the one-time code on the screen into the webform. The article doesn’t say if the code is time-based or just sequence-based, but in either case the credit card company will be able to verify it remotely.

    The idea is that this cuts down on card-not-present credit card fraud.

    The efficacy of this countermeasure depends a lot on how much these new credit cards cost versus the amount of this type of fraud that happens, but in general it seems like a really good idea. Certainly better than that three-digit code printed on the back of cards these days.

    The credit card generator generates credit card numbers in a random manner, which guarantees that the generation is valid, based on a numerical pattern and digit verification. These fake cards obtained by a credit card generator are not used to make any purchase, because although they are valid the numbers are fictitious, so they are used only by those people who need to generate a transaction, usually online and They should check to have a credit card, but do not count on it.

    Valid generation of a credit card

    A credit card is an instrument that is used as identification material for a credit user of a bank, this is usually made of plastic, has a magnetic stripe, has a microchip, and a number that identifies the card, which is marked in relief.
    Credit cards are issued by a bank or financial institution, which authorizes the cardholder to use it as a form of payment in businesses that are affiliated with the system, through their written or electronic signature, in addition to the display of the credit card. A credit card is a form of financing, so the owner assumes the obligation to pay the amount he or she had, in addition to the interest generated by its use, including bank fees and expenses previously agreed upon.

    Why did my credit card payment fail?

    We’re sorry to hear you’re having issues with your credit card payment.

    To solve the issue, try:

    • using a credit card – we accept Visa, American Express, and Mastercard.
    • double-checking that you have entered your card information correctly – there should be no spaces between characters.
    • confirming with your bank that your credit card is valid for international purchases.
    • completing the purchase in a different browser.
    • using a different credit card.

    In most cases, the payment fails because your credit card issuer has blocked it to protect you from fraud when an international purchase is made. To resolve this issue, you will need to contact your bank.


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    How to merge or combine multiple files

    Updated: 11/13/2018 by Computer Hope

    If you would like to merge multiple Word, Excel or text files together, it can be done with relative ease and at no extra cost. Follow the steps below for the type of file you’re trying to merge.

    Tip: For many users, it is easier to copy and paste the contents of multiple files into a new file as a form of merging or combining files.

    Merging Microsoft Word documents

    To merge Word documents, you can merge those documents within Microsoft Word itself. To do this, open the first file in Microsoft Word, and follow the steps for your version of Word. The steps are different because of the changes between the file menu and the Office ribbon.

    Microsoft Word 2007 or later (ribbon)

    In the Word ribbon, click the Insert tab, click the down arrow next to Object, and select the Text from File option, as shown below.

    Word 2010 file merge

    Select the file you want to merge into the current document and click Insert. Once completed, the text and other information from the document will be merged into the current document. These steps can be completed as many times as you want if you want to merge multiple files.

    Tip: If there are multiple files you want to merge at the same time, you can select multiple files by holding down the Ctrl key and selecting each file you want to merge.

    Microsoft Word 2003 or earlier (file menu)

    In Word, click on Tools in the top menu and select the Compare and Merge Documents option, as shown below.

    Merge Microsoft Word document

    Find the document you want to merge. You have the option of merging the selected document into the currently open document or merging the two documents into a new document. To choose the merge option, click the arrow next to the Merge button and select the desired merge option. The files will then be merged.

    Compare and Merge files

    Tip: If there are multiple files you want to merge at once, you can select multiple files by holding down the Ctrl key and selecting each file you want to merge.

    Merging Microsoft Excel files

    To merge Microsoft Excel files together, it is best to save them as CSV files first. Open the Excel files and in the menu bar, click File, then Save As. In the Save as type drop-down list, select CSV (comma delimited) (*.csv) from the list.

    Do this for each Excel file you want to merge, then place all the CSV files in the same folder. For ease, place them in a folder in the root of the C: drive (e.g., c:\csvfiles).

    Open the Windows command prompt and navigate to the folder containing the CSV files. Type dir to view the files in the folder and ensure all the files are there.

    Type in the following command to merge all CSV files in the folder into a new CSV file titled “newfile.csv” (any name could be used).

    copy *.csv newfile.csv

    After the new file has been created, open the new CSV file in Microsoft Excel and save it as an Excel file.

    Merge a text (.txt) file in the Windows command line

    Place each of the text files you want to merge in the same folder. For ease, place them in a folder in the root of the C: drive (e.g., c:\textfiles) and make sure the folder only contains text files you want to merge.

    Tip: Before merging text files, you may want to make sure there is a blank line or at least one carriage return (pressing the Enter key) to help separate each file.

    Open the Windows command prompt and navigate to the folder containing the text files. Type dir to view the files in the folder and ensure all the files are there.

    Type in the following command to merge all TXT files in the current directory into the file named newfile.txt (any name could be used).

    copy *.txt newfile.txt

    Now you can open the text file and see everything merged together as one file.

    Merge a file in the Linux command line

    Linux users can merge two or more files into one file using the merge command or lines of files using the paste command.

    Merge PDF files


    PDF documents can also be merged. You can use a full version of Adobe Acrobat to do this, but this program is a bit pricy (several hundred dollars).

    Another option is to find a free utility on the Internet to merge your PDF files. One of the better free utilities is PDF Split and Merge. It is an online tool that lets you merge two or more PDF files into one PDF file with a few clicks of your mouse button. You can also download and install a version of the Batch PDF Merger program, which costs about $30.

    There are other free utilities online that offer this service. However, if there is any confidential information contained in the PDF files, use caution when merging them online. It is recommended that you use a utility on your computer for these types of PDF file mergers, to ensure the confidential data is kept confidential.

    • MergePDF – Online utility to merge PDF files up to 30 MB.
    • PDFMerge – Another great free utility to merge PDF documents.
    • Sej-da – An additional utility to merge PDF files up to 50 MB.

    Credits: https://www.computerhope.com/issues/ch001376.htm#merge-text


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    7 Professional Out of Office Autoresponder Email Messages

    If you are stumped on figuring out what information to add to your email autoresponder messages, here are 7 examples– and fill in the blank templates that you can use as a reference and guide:


    1.  Thank you for your email. I’m out of the office and will be back at(Date of Return). During this period I will have LIMITED access to my email. For immediate assistance please contact me on my cell phone at(your cell phone number).


    2.  I will be out of the office from (Starting date) until (End date). If you need immediate assistance please contact (Contact Person).


    3.  I will be out of the office starting (Starting Date) through (End Date) returning (Date of Return). If you need immediate assistance during my absence, please contact (Contacts Name) at (Contacts Email Address). Otherwise I will respond to your emails as soon as possible upon my return.


    4.  Thank you for your message. I am currently out of the office, with no email access. I will be returning on (Date of Return). If you need immediate assistance before then, you may reach me at my mobile –(Mobile Number).


    5.  I will be out of the office this week. If you need immediate assistance while I’m away, please email (Contact Email Address).


    6.  I will be away from (Date) until (Return Date). For urgent matters, you can contact (Contact Person).


    7.  Thank you for your email. Your message is important to (Us/Me) and(I/We) will respond as soon as possible. Thank You!


    Four Great Tools for Setting up Autoresponder Email Messages

    Outlook-2010-ICON1.  Microsoft Outlook “Out of Office” notification – this tool is of course embedded with the Microsoft Office application suite. Here are the instructions for setting up an autoresponder with Outlook.  




      Gmail Icon2.  Gmail – One of the most popular and widely used email programs available.  Here are instructions for setting up an autoresponder with Gmail.




    Yahoo Mail Icon  3.  Yahoo Mail – Yahoo Mail is an additional popular email system. Here are instructions for setting up autoresponder messages with Yahoo Mail.




    Outlook.com Icon  4.  Outlook.com – A free email service from Microsoft.  Here are instructions for setting up an autoresponder with Outlook.com.






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    Nationality List – a List of Nationalities!

    Your time is precious and the last thing you want to do is scour the web for hours searching for a list of nationalities to use in your website or application. We’ve done this boring job for you and have compiled a nationality list in a list text file. So download the file you need and get back to your programming!

    List of Nationalities.txt

    Credits – http://www.guavastudios.com/nationality-list.htm


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    So … I got a bluetooth headset that was damaged – the earphone wires were pulled out – so got them soldered back and all was good – however I couldn’t get the device in paired mode. The version I had was the version 1.0 version. This solved my problem.

    Step 1:
    Turn the device off – hold the power button for about 5 seconds until the blue ring light stops flashing … wait a while.

    Step 2:
    Hold the power button down for about 10 seconds – the ring light will flash red – device is now in discoverable mode.

    Step 3:
    On your mobile device (iPhone) for me – Settings > Bluetooth > Search – it should pickup Headset. Click on pair

    Step 4:
    The passkey code is ‘0000’ thats zero, zero, zero, zero – paired and you’re done.

    The manual can be downloaded from here