Most of the software he uses isnt available to the general public. Licensing the software is expensive; Wallace said grants through Citizens Against Domestic and Sexual Assault has kept the program afloat. The chip off method is particularly effective. Wallace breaks open a phone, removes the memory chip and sticks it into a chip reader. The drawback is that it ruins the phone and the chip could be damaged in the process. As Wallace warns students in Internet safety classes, information is never really deleted from electronic devices. Remnants are left behind that can be retrieved or even recreated. The real trick to his job, Wallace said, it to interpret the information, which requires understanding the raw data and fitting it in with other evidence from the case. In analyzing a recent murder case on Camano Island, Wallace was able to show that the suspects cell phone hooked into the victims Wifi network at or near the time of the shooting, he said.
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You should think about putting a cell phone number down on all of your applications and resume, as opposed to your home number. click here for more infoUsing the cell phone number allows you to receive calls while on the go. You can talk on the phone regardless of where you are.
Remember that a fixed-rate mortgage features an interest rate that’s locked in. Lock in a 4.5% rate on a 30-year fixed-rate mortgage, for example, and no matter where interest rates go, you’ll get to enjoy that low rate for up to 30 years. (And with rates so low, it’s likely that they will go up in the coming years, at least to some degree.) Meanwhile, an adjustable-rate loan typically features a starting interest rate that’s often lower than what you’d get with a fixed-rate loan. It’s typically locked in for a relatively short while, such as three or five or seven years. resourceA 5/1 adjustable-rate mortgage, for example, will hold the rate steady for the first five years before starting to adjust it annually — upping it if prevailing rates rise or dropping it if prevailing rates fall. There’s often a cap limiting how much your interest rate can jump at one time, but if we head back into double-digit interest rates in the future, your adjustable-rate mortgage could feature double-digit rates at some point, too — and that can make your monthly payments much steeper. That presents a scary scenario, but not if you’re only going to be in your home for a few years — or if you’re very sure that rates will fall or stay stable. As an example of how low adjustable-rate interest rates can go, note that the Bank of Americawebsiterecently advertised a 30-year fixed-rate loan (with 0.813 points) for 3.625%, vs. a rate of 2.5% for a 5/1 adjustable loan (with 0.761 points). Don’t forget about online lenders Brian Feroldi: As Matt said above, it can really pay off to shop around. However, your natural inclination might be to only consider banks that have a branch in your local area.
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