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Although its overall impact on PC performance was moderate, Panda Antivirus Pro dragged down some operations significantly. Our test system booted up in 53.7 seconds with Panda installed--the slowest of the products tested (our test PC booted in 40.1 seconds with no antivirus software installed).

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Love your Android phone, but wish your home screen was a bit easier to navigate? Try the Spark home-screen app from HipLogic. Spark is an at-a-glance home-screen skin that brings RSS feeds and social network feeds directly to your home screen so that you don't have to dig around menus and open separate apps. If you love customizing your phone, this app probably isn't for you. If you're new to the Android platform, however, Spark is a great app to help you get a handle on your phone.

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What if you regularly use more than one text editor? QuickCursor's menu lists any supported editors installed on your Mac, and the utility even lets you assign a different keyboard shortcut for each one. So you could, for example, use BBEdit for editing code fragments, and Hog Bay's own WriteRoom for editing prose. QuickCursor currently supports eight popular Mac OS X text editors: BBEdit, Espresso, MacVim, Smultron, SubEthaEdit, TextMate, TextWrangler, and WriteRoom.

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GFI claims that Vipre won't slow down your PC, and in this case it delivers: It had one of the fastest manual "on-demand" scan speeds among the products we looked at for this roundup (1 minute, 41 seconds to scan 4.5GB), and it was reasonably fast in on-access tests that judge how quickly it can scan files as they're opened or saved, scanning 4.5GB of files in 4 minutes, 20 seconds. And its impact on overall PC performance was quite low, completing most of the speed tests we put it through with faster-than-average times.

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The settings window feels cluttered, and it's hard to understand at a glance. Some of the copywriting needs work--the wording may be unfriendly and overcomplicated for some users. But on the positive side, each tab has descriptive text describing what the settings are for.

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On the plus side, at least Eset is fast: At on-demand scanning it was the quickest scanner in our roundup, and it scored a solid second place in on-access scans that run when a file is opened or saved, too. System performance was barely impacted with Eset installed; its rating was good enough for third place among the 13 apps we reviewed. As well, Eset keeps the false positives to a bare minimum.

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Though Avira is overall a competent and easy-to-use antimalware application that offers set-it-and-forget-it functionality, these issues lowered its score.

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The interface is a bit of a mess and is harder to use than it should be. While it looks straightforward, it's rife with confusion and duplication: What is the difference between "threats" and "vulnerabilities," and why do they need to be managed separately? Either way, Panda doesn't tell you. Its help system is virtually nonexistent.

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When you launch the program, it immediately begins addressing your business-tax issues by asking whether to start preparing your return right away, or if you'd rather prepare W-2s and 1099s for your employees (yes, a sole proprietorship can have employees).

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The credit card business has spread to cater every section of society world-wide. Normally, companies target people who have the means to personally repay the unpaid money balance. Students have been allowed this facility, even if they are not earning. Student credit cards are getting popular with students in America. At that stage of their life most of the students are usually unemployed. But, they do have to incur certain expenditure on tuition fee, books, projects and more. They can tide over emergency expenses with a credit card and need not wait while their parents transfer money. Student credit cards are easy to come by, but the interest rates are higher than normal. For that matter, late payment fee is higher and credit limits lower. Parents guarantee payment of unpaid amounts and pay off the credit bills. If a student gets into the bad habit of over-spending he will be sowing seeds of a poor credit rating, which can hamper his credit as an adult. But, a credit card is a wonderful tool to inculcate in your child the virtues of planned spending. That way he grows up to be responsible for his expenses and keep his credit rating intact by building a good credit card history.As holders of credit cards, students are entitled to all rights and liabilities that come with credit cards. The Fair Credit Billing Act is applicable to each type of a credit card. Student credit cards are no exception and students can be even be punished or charged for any unauthorized use of their charge account or for any billing errors of their account. In conclusion, students may be advised to use their credit cards most responsibly and judiciously to avoid falling in a debt trap.CASH BACK CREDIT CARDSCash back credit cards offer a 1% rebate on every purchase you make. You may also get gifts for the shopping you do on your cash back credit card. Most big companies offer cash back credit cards to selected customers only. Persons, with a good credit report or clean credit history are most sought after. In case you hold a cash back credit card it means that you are not bankrupt; nor do you have any unpaid bills. Most of the cash back credit cards are generally offered to those who have a credit score of 700 or better, other than a clean credit history. Some insurance companies prefer dealing with customers holding cash back credit cards. You may even have your loans easily processed by banks. However, be warned that such cards have inherent high rate of interest. It means that the benefits you derive can easily be offset by the high interest you may pay on monthly unpaid balance.Use your credit line judiciously. Many card users have, unfortunately started using credit cards as a principal means to support them, whereas credit cards are meant to help you when you fall short on cash. With high rates of interest, the unpaid amount escalates beyond one’s paying power. Credit cards are debt traps, if used injudiciously. Young people are getting attracted to credit cards and their whole perception of money spending changes. They start perceiving credit as free money. Credit cards charge heavy interest on out standings and before a card holder realizes he is caught in a debt trap. He tries to get out of this situation by getting more cards and transferring the balance to the new card. It might give him temporary relief, but it causes untold harm to his credit rating.