How to Protect Your Small Business from Devastating Data Breaches

Even if you have dotted every “i” and crossed every “t”, your business is not immune to data breaches. In recent years, the U.S. has experienced an endless stream of credit card fraud and other types of data breaches. But these breaches only affect the “big guys”, right? Wrong. Unfortunately, your small business can easily fall prey to these data breaches too.

Small Businesses are Vulnerable to Fraud, but Why?

It’s true that large corporation’s money and resources make them an attractive target. However, even the smallest of small businesses are frequently hit as well. Just recently, a new cybercrime trend has emerged in the form of malicious emails – sent to business both large and small – that have the power to hijack a business’ entire data system, known as “ransomware”. It may seem odd that thieves would target a small business over a large corporation, but there are many reasons why small sellers are a target.

First, just like mega-retailers, small businesses collect and store their customer’s credit card data. Because security is not always a big priority, it leaves these small businesses even more vulnerable to attack. Second, many small businesses have yet to adopt the more secure chip card readers. For the businesses that have not upgraded their credit card scanner and swipers to accept the new cards, they are required to pay for the costs associated with any breach or fraud that may occur – potentially a daunting some of money.

How to Protect Your Small Business

  • Create a Privacy Policy – Make sure when you draft your privacy policy that it details your business’ obligations when it comes to data (limit your liability).
  • Educate Your Team – Go over how your employees should safeguard their data and the business’ customer’s data. Make sure you also offer regular trainings, and clearly communicate what happens when someone fails to follow protocol.
  • Establish Strong Protocols – Inform your employees whether they can use public networks. You should also establish requirements for locking PCs and laptops, and specify using strong passwords.
  • Examine Insurance Coverage – Believe it or not, cyberattacks are not covered under most general liability insurance policies. Thus, it is critical that you purchase a rider that covers both first- and third- party’s expenses and liability.

Seek Additional Help and Resources

Sadly, every business nowadays, regardless of size, is vulnerable to theft and cyberattacks. The best move you can make for you small business is to stay aware of cybercrime trends, update equipment and educate your employees. Another way you can be proactive is to secure the services of a processing provider – like Payworld – that offer fraud protection services and secure payment processing solutions. If you are interested in such services, consider the information a Payworld review provides via Bestpaymentproviders.

Author Bio: Electronic payments expert Taylor Cole is a passionate entrepreneur who enjoys to write, produce music, and travel. Bestpaymentproviders is the UK’s best Payworld review company, serving both traditional and high-risk merchants.

Benedict Cumberbatch in General Article December 27, 2017

Court Drops Case Of Tax Fraud Concerning A Corporation Who Is Affiliated With President Trump

In a Manhattan courtroom, a case for $250 million dollars was dismissed concerning a civil tax-fraud case. The case was formed against a Russian American, Felix Sater. The case was dismissed on Wednesday. A business insider had learned.

This case against Felix Sater was formed against the real estate associate of President Donald Trump. The President is a co-founder of Bayrock. The case was being handled as a qui tam case. What this is, it’s a whistleblower who can file the case against the business on behalf of the state. After which the attorney general can then become involved, if they choose to.

Tax Fraud

In this case, Lawyer Fred Oberlander is reported as the whistleblower. It was during one point that the lawyer had also represented someone who was a business partner of Sater. His former business partner, Jody Kriss was being investigated as being a part of a suit against the corporation for supposedly a money laundering case.

The lawyer went on record as admitting to being the person who filed the qui tam case. There was knowledge on his part that showed pertinent information had been left out from the original complaint by federal judges. A business insider who was present at the hearing acknowledged about the attorney.

The argument that Oberlander presented did not go over so well for him. It is most likely a complaint that will be eventually dismissed. Based on the information presented by Oberlander, all the information that was presented to the federal judges was information that had been ordered once before to be removed. The complaint was to be ordered as confidential.

Once the hearing was over, Sater and attorney, Robert Wolf went on to confirm that in all honesty, the case was being dismissed.

It was the Attorney General Eric Schneiderman and his office that decided to not go further in the case during the last year. In a letter that was sent to the New York Supreme Court, notified them in February of 2016 as being used during a press release where the attorney, Oberlander had released information in a press release as going on record stating that the attorney general had gave a green light on a case when in fact the press release was a lie. The state had notified Oberlander as their plans to not intervene.

The office of the attorney general said that as the case continues to go forward, they will in fact stay on top of it by monitoring what is occurring in hopes to protect the state in their interest and rights.

The attorney for Sater went on record stating that the movie was being dismissed on the grounds of the merits of the case. The case was being dismissed at the merits of it instead of on the procedural grounds. It is on record that Oberlander and a separate attorney that were involved with Sater for a different case were involved in mishandlings by the attorneys where they have been referred over to the department of justice for their part in criminal contempt charges. These charges were pressed for proceedings that were taking place against Sater.

In the initial suit, in 2010, which was brought forth against Sater and against Bayrock and their former finance planner, Jody Kriss who played no part in the qui tam case that was later brought forth by Oberlander. There are allegations that are circling around the existence of the Bayrock company that says there is a mob covertly involved and operating the business. The business is slated to have engaged in activity that is considered as crime related for fraud in cases against wire, bank and mail fraud with their involvement in tax evasion and embezzlement.

The founder of the corporate business, Tevfik Arif Doyen is said to have cheated millions of dollars through the use of money laundering and fraud and other cases of misconduct. In December, the judge ruled that the case against Tevfik Arif Bayrock could not go any further.…

Benedict Cumberbatch in General Article December 22, 2017

Changes the World of Technology

Back in the 1980s, the era in which personal computers made breakthroughs in offices, schools and in homes. The first computers are large and they take longer to power up. In contrast to the computing devices, we use today. However, today’s computers represent radical changes in life. Because the typewriter soon became an ancient relic.
Changes

Social Changes via the Tech Revolution

However, just like the emergence of a faster and more sophisticated computer. Later there will be more changes. As if the means of communication always carried by personal computers was not enough, in the 1990s. Something called “the Internet” comes into everyone’s life, and things change faster.

As the Internet caught on as a means of quickly communicating with everyone everywhere, at lightning speed, many of the old ways of doing things fell by the wayside.

While in the final years of paper and pens, the postal service offers a way of applying for jobs or bank loans or schools, now all the tasks we can do in a digital way. Over time, society adjusted to these changes, even as the Internet also changed the way people read and write.

Changes in the Publishing Industry

As all of this social change progressed, changes in the publishing industry were inevitable. While in the past, magazines with content ranging from fashion tips to information on industrial vacuum components and thin film were always distributed in print, today those types of publications (and books) are usually available in print and in digital form. What’s interesting to note is that the digital revolution didn’t totally stop the printing industry.

Ultimately, what is visible is that even with all the changes that occur over the Internet, people still love to read. They love reading books and magazines they can hold when they enjoy the information they follow. In some ways, this fact defies the changes of the Internet revolution, but ultimately, it’s rather reassuring, too.…

Headline: Concerns on AT&T, Time Warner $85 Billion deal

The merger business deal between AT&T and Time Warner has solicited different reactions from various organizations as well as the government of the United States of America. The deal has also attracted the president’s attention, Donald Trump has publicly renounced commencement of any activities towards purchasing of Time Warner. In as much as the two companies have a consensus on ownership rights and even valued the company that owns CNN, HBO, TBS and the Warner Bros, the Justice Department remains adamant in legalizing the process. According to Makan Delrahim, the antitrust chief in the Department of Justice in the United States, the move suppresses rights of the consumers and cable service companies in the country. Basing on Delrahim’s arguments, AT&T purchase of Time Warner would monopolize the industry considering AT&T is a major player in providing satellite services for all cabling televisions and studios where Time Warner is a major player. The antitrust chief goes on to demonstrate how AT&T would impose absurd service costs to other cable distributing companies because they would own programs run by Time Warner. In the long run, the additional costs imposed on rival companies in the cable industry will be passed down to consumers in their respective monthly and installation fees.

AT&T

Ideally, the United States administration should support the merge considering there is no direct rivalry between the two companies. However, President Trump’s dislike for CNN is evident after making public statements against the news network and on most occasions terming their broadcasts as fake news. The president went ahead and gave an affirmation to block any merging deal between the two companies demonstrating it as an extortion plot by the companies who intend to concentrate power Bayrock. President Trump’s passion in stopping the deal are feared to have interfered with the Justice department’s case against merging of AT&T and Time Warner. According to experts, the president’s public statements and blasts on CNN among other negative utterances against the deal might be considered personal hence undermining the legitimacy of the case. Moreover, there is no clear reason why the government is concerned with the deal considering President Barrack Obama approved a similar merger between Comcast and NBC Universal in 2011.

Other sources indicate that the Justice Department has no specific problem with the merge safe for antitrust concerns and policies which can be satisfied if the sale was on DirecTV or Turner and not CNN. However, it is not clear whether there is specific interest and issue that the government is concerned about or it is entirely because of its previous interaction with CNN considering the government is willing to collaborate with AT&T on other measures. Although democrats and consumer unions pose legitimate arguments in opposing the $85 billion deal between Time Warner and AT&T, they also indicate their concerns about the government’s involvement and describe the move as political.

On the other hand, AT&T argued that the deal is out of consumer concerns hence the strategy’s intention to reduce service fees. According to Randall Stephenson, the chairman and CEO of AT&T in his recent testimony in Washington, owning Time Warner offers AT&T the Internet option where after packaging, the video can be delivered through online platforms such as DirecTV hence cutting costs of setting up cables that Stephenson terms to be expensive. Several non-governmental organizations including consumer advocates have applauded the Justice Department for their move on legitimate grounds to stop the deal. Additionally, they have called on the Department of Justice to remain independent and disassociate their activities from political pressure. The consumer unions also portrayed their displeasure with President Trump’s harsh approach on CNN as a critic of his administration.…

Benedict Cumberbatch in General Article November 28, 2017

Professional Financial Planner

Now that you have decided to seek assistance from a professional financial planner, you might be at a loss on where to start. There is an infinite amount of information on the internet, which can feel intimidating and overwhelming. Simplifying the process with an investment advisor silences the noise so you can focus on what applies to your financial position and goals.

Here are a few tips to help you decide and know how to look for what you need.

Determine Which Type of Advisor You Need

Since anyone can put on the financial advisor title, it helps to narrow the field of who practices in the industry. Generally, there are three basic types of advisors. How they get paid determines in which category they operate.

Commission-based advisors usually sell insurance, annuities and mutual funds. They receive a percentage for each financial product they sell to clients. Similar to commission earners are a new category known as fee-based advisors. They have a license to sell insurance or investments and receive a commission.

Most industry experts recommend hiring a fee-only advisor. Generally, you can receive comprehensive services for managing your assets as well as assisting you with financial planning. These advisors make money from flat fees. Some charge hourly rates or a percentage of the assets being managed.

Check Credentials and Experience

When you are looking at different advisors, make note of their certifications and licenses. The gold standard in the financial services industry is the Certified Financial Planner. Obtaining these credentials requires taking extensive course work, passing an exam and having several years of related experience.

You will want to know how long a prospective advisor has been practicing. Real-life experience with different financial situations enhances education.

Follow Advice from an Ethically-Sound Advisor

Check with industry associations and databases to find out if an advisor has legal and/or ethical marks against them. Check for investigations, bankruptcies and criminal charges. Any negative information is a red flag for how they will handle your personal finances.

In addition, advisors must disclose any conflicts of interests and disciplinary actions.

Liking and trusting your financial advisor is critically important, most offer a free initial consultation. Use that time to learn more about their practice, work habits and philosophies.

Trusting your finances to another person is a major decision. Their qualifications matter just as much as their style of doing business. Shop around and stick with people who have fulfilled certification requirements while also upholding solid ethical standards.…

Benedict Cumberbatch in General Article November 11, 2017

The Benefits of Working at Home

Many people dream of working from home. It’s a convenient work arrangement that has the ability to save both time and money. Fortunately, working from home is filled with benefits. If you can fit your work life into your home life seamlessly, you can reap many of the benefits of the work from home experience. If you need some incentive to explore this arrangement, consider these three benefits.

No more Parking & Commuting Headaches

One of the most obvious benefits of working from home is the loss of the commute, the parking stress, and the cost of gas. This alone can easily put hundreds of dollars back in your pocket per month, depending on how far you have to travel and what the parking situation is. Even with new developments in parking, like the automated parking garage, this part of working outside the home can still be stressful and costly. When you make the leap to work from home, these worries are automatically vanquished.

Flexibility & Comfort

When you work from home, your day can start in your pj’s sitting at a desk down the hall from your bedroom. You no longer have to ponder what to wear or travel outside of the house on those cold winter days. You can wear whatever you want and take a few steps down the hall. You’re at work in minutes and your wardrobe is no longer an issue.

You Can be Close to Family

One major benefit for parents who decide to work from home is the ability to be present if their kids need them. If Timmy gets sick at school it’s convenient to go pick him up, without having to get clearance from work. You’re able to be there for your children and still get valuable work done. This arrangement can truly be a win-win.

If you could benefit from a work from home arrangement, take the leap. It will save you a ton of time and money, especially if you had a long commute and expensive parking fees. It will also be a beneficial arrangement if you have children. It allows you to be there when they need you the most, yet still fulfill your work requirements.

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How to overcome unfortunately the system UI has stopped

How to overcome unfortunately the system UI has stopped will be very you need. It’s nice when it’s nice to have your eyebrows er popup that contains the phrase “Unfortunately, System UI has stopped”. Therefore you should read the following guidelines from softteco

Android is an open operating system that offers ease in personalization for example in terms of appearance or performance. By tinkering with the system, we can get the performance and look that we want. For example with a personalized UI system. System UI is a user interface or face-to-face system which contains settings for everything about the display. By changing the UI system we can beautify android looks like change the theme, status bar, menu, and much more services.

But of course, we have to be careful, considering the UI system is part of the Android system. If something goes wrong, the UI system will force close. It usually appears that the UI system warning has stopped. If the UI system stops, then we can not access android themes such as home and menu. Then how to overcome unfortunately the UI system has stopped? Here are some ways to deal with it.

Restore android to factory settings

Caution: before resetting to factory settings, follow this way first> Steps to overcome system UI has stopped – New

How to overcome unfortunately the UI system has stopped the easiest usually is to restore it to factory settings. A force closed UI system cannot be solved simply by restarting HP, because there are parts of the UI system that have changed, so we have to restore it to its original state. That is by returning to factory settings.

How to restore the factory settings is to open the menu on the settings. If the settings can not be opened because the message, unfortunately, UI System has stopped, we can open it through the status bar. Usually, in the status bar, there will be icon settings or settings depending on the device in use. Then click the Make & Back up (or something like device depending on it) section. In this menu, there will be an option to back up and restore to factory settings. Select the factory reset (Reset to Factory Setting). Then follow the next command, select delete all.…