Security and Risk Complaints Online on Protection from Becoming a Victim of Fraud

Remember, your financial information is at risk all the time. Fraudsters will always come up of new intricate ways to trick you from giving credit card details. Here are some advices to protect yourself from scammers.

Shred any receipts or papers with a credit card details on it.

Fraudsters can be dumpster divers, which mean, they can use tossed rubbishes to obtain financial information from you. For this reason, it is best to shred receipts and bank statements before dumping them in the trash.

Keep your PIN private

Do not use the same PIN code on all your cards and avoid using personal information such as your birthdate in your PIN code. If you are going to withdraw, cover up your PIN number when typing and be wary of your surroundings. It is also not advisable to write your PIN number on a piece of paper.

Phone passwords

Passwords must be protected on a high level. If you use the same password on all your accounts, it is time to change it. Change the password on all your accounts and cards as it makes it easy for a fraudster to access all your accounts if all of them have the same passcodes.

Moreover, do not save your passwords on your computer and as much as possible, set a security pin on your mobile phone and computers to avoid unauthorized people from accessing sensitive information inside your device.

Phone calls from your bank

Do not let your guard down especially when you are in a public place or in an internet shop doing online banking. And if you are talking to your bank, do it in a secure and private place where no one can hear any banking details about your transaction.

One of the scam tricks fraudsters do is by trying to lure you using phone calls. They may pretend that they are from the bank and asking you to provide banking details. If this happens, don’t be afraid to ask questions and verify their identity first before providing any important information.

Viruses

To protect your computer from malicious software and spyware, install anti-virus software and make sure to keep it running and updated especially when you are online.

Emails

Beware of suspicious emails. Fraudsters use electronic mailing to trick their victims into giving financial details. They usually pretend to be from your bank and will request that you confirm your banking details. If an incident like this happens, don’t provide information and don’t click any suspicious links in the email as it may contain malware that can steal data from your computer. Remember that a bank will never send an email to threaten you or will request any financial details of you.

Online transactions

Do not trust websites easily especially if you are making online transactions. Do not give away personal and financial details unless that site is reputable.

Tyre&Auto Southbourne Group Review: Helping you find the ideal tyres for your car

Since its beginning, Tyre&Auto Southbourne Group has been committed to helping its customers take care of their car. And if you’re currently having a hard time looking for the right tyre for your vehicle, Tyre&Auto is the ideal place to seek out the best solution for your remedy without getting scammed. Their team is equipped with sufficient know-how in handling your car concerns.

The market nowadays has boomed and it has a lot of different types of tyres available for any kind of vehicles. But finding the right one for your car might be an arduous task for you, but worries aside because Tyre&Auto can lead you to the right tyre.

Tyre&Auto Southbourne Group takes into consideration your every car concern. You can really rely on their car services such as brake checks, MOTs, free seasonal checks, and of course, finding the perfect tyre for your car. This family-run company can be a place you can always go to in case of car problems.

Renewing the tyres of your vehicle might need careful thought and Tyre&Auto Southbourne Group can assist you in choosing the right one for your car. Size, climate, and your way of driving are some of the important aspects to consider when deciding which tyre to use.

The sidewall of the tyre indicates imperative information about the tyre such as its size, section width, aspect ratio or profile, radius, load capacity and speed rating. Factors that could affect the life of your tyre may include: driving in inner city conditions as opposed to motorways or the mileage per annum is either high or low. Considering those aspects, Tyre&Auto Southbourne Group can provide more help.

Contact the local depot of Tyre&Auto for more necessary assistance in finding the right tyre for your car. Their team is always prepared to address and answer any of your concerns regarding your car.

Tyre&Auto Southbourne Group Review: A reliable team providing a good car service

Committed to providing an excellent car service to any individuals is what Tyre&Auto Southbourne Group is known for in Southbourne. The company has been delivering a reliable and honest service to their customers for several years now and their team is constantly receiving good reviews for their smart and practical service.

Tyre&Auto Southbourne Group could indeed provide utmost care to your car with their meticulous work. Each manager is equipped with extensive experience in this particular field. George Mandair, as well as other managers, usually gets good feedbacks from the customers. It’s nothing surprising for a trustworthy service. People with car related concerns can count on the capabilities of the company in giving solutions to their problems.

Tyre&Auto Southbourne Group has been involved in the trades in South Coast of Hampshire, building their firm reputation throughout the years. It is also a family run company that can truly handle any of your car problems with proper care.

Included in their services are brake checks, car servicing, searching for good tyres, MOTs, as well as free seasonal checks. You can also obtain a quick tyre quote and reserve your tyres for fitting through their online service.

The company always target to provide convenience to their customers and as a result, they also offer a local collect and a return service to them. We suggest to ask them about the service when you booked since their team can answer and address any of your other car concerns.

All of their depots can also check your car’s windscreen wipers and can conduct a full engine overhaul. Many customers have been satisfied with their ability in handling car works. What’s more is the company’s good selection of free service checks.

You may contact the local depot of Tyre&Auto Southbourne Group for further information about their car services.

Security and Risk Online on Amazon Opens Data Centers to Boost U.K. Cloud Services

(Bloomberg) — Amazon Web Services, the cloud-hosting arm of Amazon.com Inc., opened new data centers in the U.K. as it seeks to stay abreast of competitors in offering cloud computing services to government and health-care customers.

The new data centers, announced in a statement on Wednesday, follow decisions by IBM and Microsoft Corp. in the past two months to expand their cloud computing infrastructure in the U.K.

The U.K. data region, which comprises two zones, each consisting of multiple data centers, is the 16th Amazon Web Services operates worldwide and it’s third in Europe. A fourth in France has already been announced and will open next year.

Governments are increasingly moving computing functions into the cloud. But they are often required for regulatory and security purposes to hold data within their national borders. The same applies for sensitive health-care information. Meeting these demands is one reason cloud providers are rushing to open more data centers around the globe.

“This is a great enabler for data that has to remain in the U.K., like health-care,” Chris Hayman, who manages Amazon Web Services’ British government accounts, said in an interview.

Liam Maxwell, the U.K.’s national technology adviser, said in a statement that the government had saved 3.5 billion pounds ($4.4 billion) so far by choosing to host data in the cloud rather than on its own servers.

Financial-service firms are also often concerned with minimizing the time it takes to connect to trading venues, another reason to expand in the U.K., said Teresa Carlson, vice president for worldwide public sector operations for Amazon Web Services. “The U.K. is a really important part of the world, being a center of the financial industry,” she said.

The decision to build new data centers in the U.K. predates the country’s June vote to leave the European Union, Carlson said. But giving customers the ability to store data in the U.K. has taken on increased importance since the Brexit vote as clients worry about whether British data privacy rules will diverge from European standards. “Now, whether the U.K. is in Europe or not, they have their own region,” she said.

Amazon Web Services declined to specify exactly how many facilities it operates in the country, how many people will be employed or how much money it will invest.

Karen Bradley, U.K. Secretary of State for Culture, Media and Sport, said in a statement that Amazon’s action “is a strong endorsement of our approach to the digital economy” and “shows a clear confidence in the U.K. being open for business and one of the best places in the world for technology companies to invest in and grow.”

Online Security at IRS phone scam finally may be fizzling out

Online Security at IRS phone scam finally may be fizzling out

We all should be thankful on this Thanksgiving Day that one of the worst scams to hit the Lehigh Valley, and the nation, finally is on its way to being cooked.

Complaints about the IRS phone scam have dropped significantly in the past month or so. After three years, international detective work and technological advances finally have carved deeply into these turkeys’ business.

The scheme isn’t completely stuffed away yet, so remain vigilant. But it’s certainly not as prevalent as it was.

The relentless calls started in fall 2013. Con artists pose as IRS and U.S. Treasury agents and threaten people with a lawsuit, arrest or grand jury investigation unless they immediately pay supposed tax debts.

The debts aren’t real but the callers bully people into paying over the phone, usually with prepaid debit cards and iTunes cards. More than 9,600 people, including some locally, have lost a combined $50 million. A California man lost $136,000 when he was exploited repeatedly over 20 days, according to the U.S. Attorney General’s Office.

I heard from hundreds of people who got the calls. Some were scared. Others were confused about whether the calls were legitimate. Many knew they were fraudulent and wanted to know how to stop them or where to report the scoundrels.

Nearly 2 million complaints about the scam have been reported to the Inspector General for Tax Administration. It’s also the top scam complaint to the Better Business Bureau.

But it’s been a month or more since I’ve heard any complaints. Reports to the inspector general and the BBB are way down.

That’s because some of the people accused of making the calls have been locked up. Early last month, authorities in India raided a call center and charged 70 people with fraud. On Oct. 27, U.S. authorities announced that 56 others had been indicted; some of them in the states, along with five call centers in India.

“We are encouraged that our investigation, which resulted in the announced law enforcement action in late October, has had a significant impact on this criminal activity,” inspector general’s spokeswoman Karen Kraushaar told me.

At the peak of the scam, more than 30,000 calls were reported to the inspector general in a single week. That was down to about 1,000 in one recent week.

People still are being ripped off, though, and the inspector general recently learned of 40 people who lost money, Kraushaar said.

“It is extremely important that people remain vigilant and remember to hang up on callers who claim to be IRS or Treasury employees and make threatening calls demanding immediate payment,” she said.

In about the past month, the Better Business Bureau’s Scam Tracker website has received 91 reports of tax fraud, compared to 489 the previous month. While those figures include all types of tax scams, the vast majority are IRS scam calls.

“We are pleased with the drop and are looking forward to the day when we aren’t getting any IRS tax scams reported,” said Kelsey Owen, communications and public affairs director for the Better Business Bureau office that covers eastern Pennsylvania.

There are variations of these scam calls. Sometimes the callers are men. Sometimes they are women. Some calls are live while others at least start as robocalls. Callers often instruct victims not to tell anyone about what’s going on and to remain on their cellphone while they are buying the prepaid cards to pay their supposed debt. The callers try to sound official, sometimes offering badge numbers and case numbers. But their foreign accents often give them away.

In addition to the arrests, technology also played a role in reducing the number of calls getting through.

As I reported in a recent column, a new technique being developed by phone and technology companies to block illegal robocalls stopped a substantial number of these scam calls during a test.

While this is all good news, I fear the fraud could catch a second wind. Schemes as profitable as this often morph into new ones. The Better Business Bureau also warned of that.

“We know from past experience that scammers are opportunists,” Emma Fletcher, manager of the BBB’s Scam Tracker, said in a news release last month. “Hopefully this crew won’t be stealing from anyone again for a long while. But we will be keeping an eye on incoming scam reports so we can alert consumers what the ‘next big thing’ in scams turns out to be.”

The IRS phone scam already was evolving prior to the raid in India. John Miller of Bethlehem Township told me he got several calls in late September from the “Office of Taxation” that followed the same script.

“I guess they gathered that everybody has figured out the IRS game so now they’re trying a different name,” Miller told me.

If you get an IRS scam call, you can report it to the Treasury Inspector General for Tax Administration (800-366-4484, www.tigta.gov) or the BBB Scam Tracker (www.bbb.org/scamtracker/us).

Protect yourself against scams by reading my previous Watchdog columns at www.mcall.com/watchdog. If you are targeted with a new scam, let me know and I’ll warn others.

The Watchdog is published Thursdays and Sundays. Contact me at watchdog@mcall.com, 610-841-2364 or The Morning Call, 101 N. Sixth St., Allentown, PA, 18101. I’m on Twitter @mcwatchdog and Facebook at Morning Call Watchdog.

Who was CRIB Advisors Mentors Singapore, Women networking Singapore?

Vision

We envision a society where women, particularly mothers, are able to achieve work-life balance – having a fulfilling career while making family a priority – and where women entrepreneurs are part of a vibrant community with a robust support ecosystem, enabling them to create successful businesses, especially enterprises which create a social impact.

Mission

Our mission is to empower women to obtain self-fulfillment and financial independence, build strong families, and benefit the economy and society at large, by helping them to start sustainable, socially-minded businesses.   Our long term goal is to successfully introduce CRIB to other countries, especially developing nations, where entrepreneurship significantly impacts the lives of women at the bottom of the pyramid – many of whom are the main (or even sole) breadwinners for their families.  We believe CRIB can give these enterprising women the opportunity, network and know-how to start viable, sustainable businesses as well.

Values

We help women entrepreneurs by:

  1. Creating a community of like-minded women to form a support and business network,
  2. Providing invaluable guidance and advice from our experienced and successful CRIB mentors,
  3. Helping to obtain funding whether through government grants or private investors, and
  4. Providing a database of trusted business resources and services

We recognize the significant contribution that women provide to the economy and to society, and we benefit the economy by helping women develop viable businesses, creating jobs, and increasing productivity

We create a community of understanding employers who are mothers themselves and thus, provide greater work-life balance oriented employment opportunities for other women and mothers-to-be

We want to change the mindset of society as a whole:

  1. To recognize the importance and strive towards the creation of work-life balance,
  2. To view being an involved mother while contributing financially to the family and society as a viable option, and
  3. To increase the willingness of women to start families

We aim to help the women in CRIB build strong, loving family relationships; and where possible, contribute to an increase in Singapore’s Total Fertility Rate aka more babies!

We support businesses that are conducted responsibly, ethically and morally. In choosing businesses to support, we will have a preference towards social enterprises

Impact

CRIB fulfills a societal need. We aim to create successful women entrepreneurs with profitable and sustainable businesses.   In so doing, we can help:

  • Individuals achieve fulfillment in their lives,
  • Strengthen families by providing mothers with work-life-balance, and
  • Benefit society by creating a positive mindset change, increasing economic output, introducing innovative businesses and social enterprises, and raising Singapore’s Total Fertility Rate

As a social impact business, CRIB endeavors to reinvest all returns towards sustaining and growing our operations, with a portion of finances channeled towards complementary social causes that benefit women entrepreneurs.

New Mothers Support Group Singapore: Sensory Play & Art at Tanderra

Recognized as a fundamental element to early development, sensory play and art sessions at Tanderra are a fun way for your child to be engaged and messy in a safe, child focused environment.

Facilitated by qualified early childhood educators, sessions include water, paint, sand and more, and offer children an opportunity to stimulate their senses as they discover and explore the world around them.

This event will take place on the 1st Friday of every month.

Ages: 6 months to 3 years

Time: 9.30am to 11.00am

Cost: $15/child (includes tea/coffee for mum)

Please register for this event via the NMSG Meetup group

New Mothers Support Group Singapore looks forward to seeing you there.

Location: Art Pegola @ Tanderra, Block 73 Loewen Road, #01­21, Singapore 248843 www.tanderrasingapore.com

Dates 2016

Friday 2 September

Friday 7 October

Friday 4 November

Friday 2 December

Organizer

Nicole O’Connor

The Hay Group Singapore on Pharma deals don’t have to threaten innovation

In pharma, the big story of the spring and summer has been M&A. The drama began in April with an asset swap between GSK and Novartis. The most recent headline grabbers have been inversion deals like AbbVie’s $54 billion acquisition of Shire.

All this deal activity is a potential threat to innovation. Why? During a deal, it’s easy to overlook the intangible drivers of development: people and culture.

Deal mania makes it easy to forget that people and the way they work together are the main drivers of innovation. Drug development is a team sport, and the way the players interact is a major factor in achieving success. Too often, deals break up environments that have made innovation possible.

M&A integrations also create atmospheres of anxiety within a company that dampen R&D productivity. When layoffs occur—or wind of them blows through an organization—people focus less on their jobs and more on job security. The threats to innovation don’t end there:

  • R&D budgets shrink, jobs are cut and research projects dry up.
  • Researchers have to adjust to a new team and a new work environment.
  • When two distinct research cultures merge, it can destroy delicate ‘ecosystems’ of climate and culture that support scientific discovery.

Integration doesn’t have to harm innovation. But you have to stay focused on people.

So with our most recent white paper “Keep your innovation from walking out the door” we want to share three key people strategies to keep innovation rolling.

Source: blog.haygroup.com/

Careers at BGC Partners Limited Tokyo

Our Employees are central to BGC’s business strategy and recruiting and retaining top tier talent is vital to our success and the reputation of our brand.

Our dynamic, fast paced global business provides a challenging career opportunity for both graduates and experienced financial markets employees looking for rapid career progression. Our flat structure and meritocratic approach enable our people to really make their mark and gain maximum exposure across the business.

If you are looking for a unique employment experience, then we are the employer for you. BGC Partners Limited Tokyo is actively recruiting for a diverse range of opportunities. BGC Partners Limited Tokyo offer competitive pay/benefits packages and a work environment committed to professional growth. BGC and its affiliates are equal opportunity employers.

Bacall Development: How to find a good commercial property

There are a lot of things to consider when you’re looking for a commercial property. Finding the perfect property for your business can be difficult, so Bacall Development advise you to keep reading to help you search for the right one.

Location can set a great difference to the kind of business you own. Not every business rely on location for the success of their business. If you depend on customer contact in a retail setting, then be in a place that is accessible to your customers because it could affect the success (or failure) of your business.

You may choose a location that offers a peaceful environment if you don’t see clients that much. Your staff will be more focused to do their tasks with serene surroundings. Creating a home office is also advisable to save on operating costs and provide potential tax savings if you’re not expecting visits from your customers and don’t have any employees in site.

Size is also an important factor to consider, based on reviews gathered by Bacall Development and its associates. See to it that the property fits perfectly to the kind of business you have. To avoid added expenses because of retrofitting, make sure that the place has been outfitted with wiring to complement your communication and electrical needs. You should know the zoning ordinances of the place as well.

Even though the location has high rent but is accessible to your potential customers and meets the needs of your business, then it is perfect for the growth of your enterprise. It’s good for a retail business owner to place its business near similar businesses according to reviews. Ensure that the property offers comfort and safety to your customers.

You can find affordable properties through courthouses and get a list of business closings or property foreclosures. Consider different alternatives as well such as buying a lot and have control over the construction and design, leasing a build-to-suit, and renting an existing space.

Consulting a real estate broker can help you find a commercial property and lessen your options. If there are places that interest you, better visit them in person to assess some issues that may affect your business such as competition, traffic, and overall convenience.

But if you’re not the type that likes to go in different places by foot, you can search available properties online through real estate websites. Bacall Development wants you to act quickly in case you already found the right one for you and your business because a good commercial property does not stay available for long.