Bridge Insurance Brokers negotiated access to Cyber AMI's risk management portal for clients to assess cybercrime exposure and implement policies to reduce legal liability and protect brands. The portal also assists with the UK Cyber Essentials Scheme. Crime insurance can cover losses from internal or external economic crimes even if companies have procedures in place. Common cybercrimes discussed include fake president fraud, invoice fraud, hacking, phishing, and malware.
Beware of Scam Artists - Recognize Them Before They Get You!Narayan Makaram
Scam artists are expected to steal over $2 billion in 2020, according to ScamSpotter.org. They invariably contact you via phone calls, text messages or email, pretend to be someone you trust (e.g. IRS, your Bank, or IT support), and create a sense of urgency for you to respond. Scammers are primarily out to get your personal information, credit card numbers, or your money.
I will be walking through a few common scamming scenarios and arm you with the top actions that you can take to avoid being defrauded. It would be enlightening to hear some of your stories too, to make this session interactive. Together, we will learn how to stay a step ahead of the scammers.
Cyber liability insurance provides coverage for both losses a business suffers directly from a cyber incident, such as a hack or cyber extortion attempt, as well as liability to third parties for damages from security or privacy breaches. It covers expenses related to investigations, notification of affected customers, reputational damage, business interruption, theft, and more. The document recommends that any business that handles customer data, is subject to payment industry standards, relies on IT systems, or has a website consider obtaining cyber liability insurance due to the high likelihood of experiencing a successful cyber attack.
Phishing is the act of illegally trying to acquire private information such as passwords, credit card account numbers, banking account information, and social security numbers by posing as a legitimate electronic communication.
Online Security Begins at Your Virtual DoorstepPaychex
Paychex offers several security measures to help protect sensitive personal and financial information. These include implementing one-time passcodes for higher security levels, using strong and unique passwords, and being wary of suspicious emails or attachments. Paychex also supports early tax filing to prevent fraudulent refund requests and identity theft. Customers with tax fraud questions can contact the Paychex fraud center. Overall, Paychex aims to secure information at the virtual doorway and collaborates with government agencies to prevent cybercrime and tax fraud.
Phishing involves scammers tricking people into providing personal and financial details through fake emails or websites. Recent cases saw a wave of Twitter phishing attacks impersonating Apple to target iPhone users. To avoid phishing, do not reply to suspicious emails asking for banking info, use antivirus software, have a firewall, and be wary of emails that do not seem legitimate. Phishing originated in the 1990s when hackers obtained passwords by "fishing" and has grown to include fake websites and malware to steal information for identity theft and financial scams.
Bridge Insurance Brokers negotiated access to Cyber AMI's risk management portal for clients to assess cybercrime exposure and implement policies to reduce legal liability and protect brands. The portal also assists with the UK Cyber Essentials Scheme. Crime insurance can cover losses from internal or external economic crimes even if companies have procedures in place. Common cybercrimes discussed include fake president fraud, invoice fraud, hacking, phishing, and malware.
Beware of Scam Artists - Recognize Them Before They Get You!Narayan Makaram
Scam artists are expected to steal over $2 billion in 2020, according to ScamSpotter.org. They invariably contact you via phone calls, text messages or email, pretend to be someone you trust (e.g. IRS, your Bank, or IT support), and create a sense of urgency for you to respond. Scammers are primarily out to get your personal information, credit card numbers, or your money.
I will be walking through a few common scamming scenarios and arm you with the top actions that you can take to avoid being defrauded. It would be enlightening to hear some of your stories too, to make this session interactive. Together, we will learn how to stay a step ahead of the scammers.
Cyber liability insurance provides coverage for both losses a business suffers directly from a cyber incident, such as a hack or cyber extortion attempt, as well as liability to third parties for damages from security or privacy breaches. It covers expenses related to investigations, notification of affected customers, reputational damage, business interruption, theft, and more. The document recommends that any business that handles customer data, is subject to payment industry standards, relies on IT systems, or has a website consider obtaining cyber liability insurance due to the high likelihood of experiencing a successful cyber attack.
Phishing is the act of illegally trying to acquire private information such as passwords, credit card account numbers, banking account information, and social security numbers by posing as a legitimate electronic communication.
Online Security Begins at Your Virtual DoorstepPaychex
Paychex offers several security measures to help protect sensitive personal and financial information. These include implementing one-time passcodes for higher security levels, using strong and unique passwords, and being wary of suspicious emails or attachments. Paychex also supports early tax filing to prevent fraudulent refund requests and identity theft. Customers with tax fraud questions can contact the Paychex fraud center. Overall, Paychex aims to secure information at the virtual doorway and collaborates with government agencies to prevent cybercrime and tax fraud.
Phishing involves scammers tricking people into providing personal and financial details through fake emails or websites. Recent cases saw a wave of Twitter phishing attacks impersonating Apple to target iPhone users. To avoid phishing, do not reply to suspicious emails asking for banking info, use antivirus software, have a firewall, and be wary of emails that do not seem legitimate. Phishing originated in the 1990s when hackers obtained passwords by "fishing" and has grown to include fake websites and malware to steal information for identity theft and financial scams.
The Equifax Data Breach - How to Tell if You've Been ImpactedCBIZ, Inc.
Equifax, one of the largest credit reporting agencies in the United States, was recently the victim of a massive cyber attack - an attack that may have compromised the personal information of 143 million people. Learn how to see if you've been impacted.
Equifax, one of the largest credit reporting agencies in the
United States, was recently the victim of a massive cyber
attack—an attack that may have compromised the personal
information of 143 million people.
- Baltimore ransomware hacking attack 2019
- What Is Ransomware ?
- Baltimore Ransomware Attack 2019
- Attacking Details
- How Did The Hackers Breach The Baltimore Computer System?
- Results
- How To Detect Ransomware
- Ways To Protect Your Network From A Ransomware Attack
Content:
What is phishing, history, how it works, statistics, types of phishing, how to identify it, how to take countermeasures, phishing kit, example of phishing attack.
Hackers are constantly trying to break into your network. This is why paying attention to network security is so essential. If you have any doubts about your company's data security, then keep reading!
Phishing is a form of cybercrime where criminals impersonate legitimate institutions to trick individuals into providing sensitive personal information like banking details and passwords. There are different types of phishing scams such as spear phishing which targets specific individuals. To prevent phishing, people should avoid giving out private information online, check accounts regularly, and only access banking websites by typing in URLs rather than clicking links.
Micheal Green - JustTech
Mary O'Shaughnessy - Her Justice
Sart Rowe - LSNTAP
In this webinar we look at what phishing is, how it impacts legal aid organizations, and how to take steps to reduce the likelihood and impact of getting hit with an attack.
This document discusses account takeover (ATO) risks in the digital world. ATO occurs when attackers steal users' personal information or credentials to access their existing accounts. The document outlines how attackers conduct ATOs using tools like credential spraying, botnets, and captcha solving services. It also provides examples of real ATO cases. The key recommendations are for companies to implement login protections like multi-factor authentication and behavior monitoring, and for users to properly manage their personal accounts with strong passwords, breach alerts, and awareness of social engineering tactics. Working together, companies and users can help reduce ATO risks.
We have specialized in providing high quality papers for academic assignments in all levels of study and disciplines. Our team of highly qualified and experienced writers deliver your work within deadlines and at affordable rates. Contact us whenever you need writing help.
This document discusses phishing techniques such as link manipulation and website forgery. It describes common types of phishing like deceptive emails and man-in-the-middle attacks. Causes of phishing include lack of user awareness and vulnerabilities in browsers. Effects include identity theft and financial loss. The document recommends technical approaches to prevent phishing, such as browser warnings and monitoring fraudulent websites, as well as educating users on how to identify and avoid phishing.
Phishing involves using spoofed emails and fraudulent websites to trick people into sharing private financial information. To prevent phishing, people should not click suspicious links, use anti-spam filters, anti-virus software, firewalls, and keep all software updated. They should also check for HTTPS addresses and be wary of sites asking for personal details. People should monitor their credit reports and accounts for any fraudulent activity and be aware of phishing techniques used in emails. While phishing emails are common, the overall phishing economy operates as a decentralized network governed by supply and demand for stolen information.
Online scams and frauds are one of the oldest tools in the box of cybercriminals. In this presentation, we help you understand:
a. The various types of online scams
b. Tips to stay safe from such scams
c. How Quick Heal can help prevent such scams
This document discusses the topic of phishing, including its history and techniques. It outlines how phishing is commonly used to steal identities and spread viruses online through email spoofing and social media websites. It also describes the damage caused by phishing, such as financial losses, and methods to prevent phishing through social, legal and technical responses. Examples are provided of phishing attacks targeting banks, online payment services, and social media sites.
Phishing attack, with SSL Encryption and HTTPS WorkingSachin Saini
This presentation contains Introduction of Phishing attack, its types and Various techniques, their impact with real live example, after that its Avoidance, Prevention and Solution. Also it contains brief introduction of SSL and HTTPS with their working.
Phishing involves deceiving users through digital communications to trick them into providing personal information. There are many forms of phishing like spear phishing, whale phishing, smishing, and vishing. Hackers want information like login credentials, addresses, SSNs, and credit cards. Users can protect themselves by carefully examining emails and links for errors or suspicious elements and by using spam filters. Most cyberattacks start with phishing emails, so users should be cautious about opening links or attachments from unknown sources.
Phishing is a form of hacking that involves using deceptive emails or fake websites to steal user data like login credentials. It works by tricking users into believing they are on legitimate websites by using authentic looking designs. Phishing attacks come in different forms like deceptive, spear, and whaling phishing. Users can protect themselves by being educated on how to identify phishing scams and using security technologies like email filters and firewalls. Organizations should implement layered security and train employees to reduce the impact of phishing attacks.
A data breach is a traumatizing event, regardless of how it occurs, and this has been a particularly active summer for thieves and scammers. In the past 12 months, Oregon lawyers have reported home and office break-ins, stolen laptops and mobile devices, and malware security intrusions. If you experience a data breach, here are the key steps you must take.
This document provides information on identity theft prevention, including types of identity theft, what information is at risk, and tips to reduce risk. It discusses common methods of identity theft like fake public WiFi networks, social media mining, and phishing scams. It also outlines steps to take if identity theft is suspected, such as placing fraud alerts, obtaining credit reports, filing reports with the FTC and police, and identity theft protection services that monitor credit and personal information.
The Equifax Data Breach - How to Tell if You've Been ImpactedCBIZ, Inc.
Equifax, one of the largest credit reporting agencies in the United States, was recently the victim of a massive cyber attack - an attack that may have compromised the personal information of 143 million people. Learn how to see if you've been impacted.
Equifax, one of the largest credit reporting agencies in the
United States, was recently the victim of a massive cyber
attack—an attack that may have compromised the personal
information of 143 million people.
- Baltimore ransomware hacking attack 2019
- What Is Ransomware ?
- Baltimore Ransomware Attack 2019
- Attacking Details
- How Did The Hackers Breach The Baltimore Computer System?
- Results
- How To Detect Ransomware
- Ways To Protect Your Network From A Ransomware Attack
Content:
What is phishing, history, how it works, statistics, types of phishing, how to identify it, how to take countermeasures, phishing kit, example of phishing attack.
Hackers are constantly trying to break into your network. This is why paying attention to network security is so essential. If you have any doubts about your company's data security, then keep reading!
Phishing is a form of cybercrime where criminals impersonate legitimate institutions to trick individuals into providing sensitive personal information like banking details and passwords. There are different types of phishing scams such as spear phishing which targets specific individuals. To prevent phishing, people should avoid giving out private information online, check accounts regularly, and only access banking websites by typing in URLs rather than clicking links.
Micheal Green - JustTech
Mary O'Shaughnessy - Her Justice
Sart Rowe - LSNTAP
In this webinar we look at what phishing is, how it impacts legal aid organizations, and how to take steps to reduce the likelihood and impact of getting hit with an attack.
This document discusses account takeover (ATO) risks in the digital world. ATO occurs when attackers steal users' personal information or credentials to access their existing accounts. The document outlines how attackers conduct ATOs using tools like credential spraying, botnets, and captcha solving services. It also provides examples of real ATO cases. The key recommendations are for companies to implement login protections like multi-factor authentication and behavior monitoring, and for users to properly manage their personal accounts with strong passwords, breach alerts, and awareness of social engineering tactics. Working together, companies and users can help reduce ATO risks.
We have specialized in providing high quality papers for academic assignments in all levels of study and disciplines. Our team of highly qualified and experienced writers deliver your work within deadlines and at affordable rates. Contact us whenever you need writing help.
This document discusses phishing techniques such as link manipulation and website forgery. It describes common types of phishing like deceptive emails and man-in-the-middle attacks. Causes of phishing include lack of user awareness and vulnerabilities in browsers. Effects include identity theft and financial loss. The document recommends technical approaches to prevent phishing, such as browser warnings and monitoring fraudulent websites, as well as educating users on how to identify and avoid phishing.
Phishing involves using spoofed emails and fraudulent websites to trick people into sharing private financial information. To prevent phishing, people should not click suspicious links, use anti-spam filters, anti-virus software, firewalls, and keep all software updated. They should also check for HTTPS addresses and be wary of sites asking for personal details. People should monitor their credit reports and accounts for any fraudulent activity and be aware of phishing techniques used in emails. While phishing emails are common, the overall phishing economy operates as a decentralized network governed by supply and demand for stolen information.
Online scams and frauds are one of the oldest tools in the box of cybercriminals. In this presentation, we help you understand:
a. The various types of online scams
b. Tips to stay safe from such scams
c. How Quick Heal can help prevent such scams
This document discusses the topic of phishing, including its history and techniques. It outlines how phishing is commonly used to steal identities and spread viruses online through email spoofing and social media websites. It also describes the damage caused by phishing, such as financial losses, and methods to prevent phishing through social, legal and technical responses. Examples are provided of phishing attacks targeting banks, online payment services, and social media sites.
Phishing attack, with SSL Encryption and HTTPS WorkingSachin Saini
This presentation contains Introduction of Phishing attack, its types and Various techniques, their impact with real live example, after that its Avoidance, Prevention and Solution. Also it contains brief introduction of SSL and HTTPS with their working.
Phishing involves deceiving users through digital communications to trick them into providing personal information. There are many forms of phishing like spear phishing, whale phishing, smishing, and vishing. Hackers want information like login credentials, addresses, SSNs, and credit cards. Users can protect themselves by carefully examining emails and links for errors or suspicious elements and by using spam filters. Most cyberattacks start with phishing emails, so users should be cautious about opening links or attachments from unknown sources.
Phishing is a form of hacking that involves using deceptive emails or fake websites to steal user data like login credentials. It works by tricking users into believing they are on legitimate websites by using authentic looking designs. Phishing attacks come in different forms like deceptive, spear, and whaling phishing. Users can protect themselves by being educated on how to identify phishing scams and using security technologies like email filters and firewalls. Organizations should implement layered security and train employees to reduce the impact of phishing attacks.
A data breach is a traumatizing event, regardless of how it occurs, and this has been a particularly active summer for thieves and scammers. In the past 12 months, Oregon lawyers have reported home and office break-ins, stolen laptops and mobile devices, and malware security intrusions. If you experience a data breach, here are the key steps you must take.
This document provides information on identity theft prevention, including types of identity theft, what information is at risk, and tips to reduce risk. It discusses common methods of identity theft like fake public WiFi networks, social media mining, and phishing scams. It also outlines steps to take if identity theft is suspected, such as placing fraud alerts, obtaining credit reports, filing reports with the FTC and police, and identity theft protection services that monitor credit and personal information.
This document provides tips to stay secure during tax season. It warns that tax-related identity theft increases during this time as criminals try to file fraudulent returns and steal refunds. It outlines common tax scams like identity theft, phishing, and phone scams. It then lists five tips to stay safe: understand the risks to personal data; secure devices and networks used for tax purposes; keep Social Security numbers safe; file taxes early; and educate employees and clients about security best practices. The document stresses being aware of threats and cautious about sharing private information.
This document provides instructions for victims of identity theft on important steps to take. It begins by listing 10 signs that identity theft may have occurred. The main steps outlined are:
1. Place fraud alerts on your credit reports with the three major credit bureaus and consider freezing your credit to prevent new accounts from being opened.
2. Monitor your credit reports for fraudulent activity by requesting free annual reports from each bureau or paying a small fee for monthly alerts.
3. File a police report to document the crime and get an identity theft report for creditors.
4. Report the crime to the Federal Trade Commission through their hotline or online complaint form.
5. Contact any creditors where existing accounts were
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
Cyber Security and Fraud Prevention Tools TacticsBen Graybar
This document discusses cyber security threats and fraud prevention tactics. It provides examples of common phishing scams and outlines tools and best practices for safeguarding information. Some key points include:
- Cyber threats have increased with cloud, mobile, and remote access adoption and fraud can occur across businesses of all sizes.
- Over half of businesses surveyed were more concerned about cyber threats in 2015 and over 60% experienced payment fraud in 2014.
- Common phishing scams include impersonating businesses in emails or texts to get users to click links or reply to fake conversations.
- Recommended safeguards include employee training, dual authorization, daily transaction reviews, and using security tools like IBM Trusteer Rapport.
Identity theft is one of the fastest growing crimes in America. It involves stealing someone's personal information like Social Security numbers or credit card numbers to assume their identity and open fraudulent accounts or make purchases. Victims can spend thousands of dollars and many hours resolving the issues. It is important to protect personal information, monitor accounts, and take action if identity theft is suspected. The government provides resources to prevent identity theft and assist victims.
All product and company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
This document provides information about identity theft and resources to help organizations combat it. It includes a toolkit with materials to plan and host a Protect Your Identity Day event, which aims to raise awareness about identity theft prevention. The toolkit contains sample materials like speeches, presentations, and media templates that can be customized. It also details steps organizations can take to partner with media and plan successful awareness events, including reaching out to media, partners, and the public and providing educational information about how to deter, detect, and defend against identity theft.
ID Theft: What You Need to Know - Juliana HarrisIT-oLogy
The South Carolina Department of Consumer Affairs (SCDCA) has 6 divisions that work to resolve consumer complaints, regulate industries, educate the public, and combat identity theft. The SCDCA receives hundreds of consumer complaints each month and resolves about 85% satisfactorily. It also oversees regulatory programs, represents consumers in legal cases, conducts investigations, and disseminates consumer information through various channels including social media. Identity theft remains a major problem, but the SCDCA provides resources to help citizens monitor their credit, place freezes and fraud alerts on reports, and take other protective measures.
Identity theft involves criminals stealing personal information like Social Security numbers and using it to open accounts or apply for loans. Around 10 million Americans are victims of identity theft each year. People can reduce their risk by checking credit reports annually, guarding their Social Security number, and ignoring suspicious emails. If someone becomes a victim, they should contact credit reporting agencies, close fraudulent accounts, file a police report, and potentially file an identity theft insurance claim for assistance recovering. ERIE insurance offers an identity theft endorsement for $20 per year that provides up to $25,000 to help restore someone's identity if stolen.
How to Safeguard Your Business from Payment Fraud _ Regions Bank.pdfBhekumuzi Xaba
This document provides information on how businesses can protect themselves against payment fraud. It begins by stating that payment fraud is a widespread issue according to a 2021 survey. The real estate industry is a particularly appealing target for fraudsters due to large transaction amounts, public records access, email impersonation risks, and lack of authentication processes. Examples of real estate payment fraud are then described, including internal fraud, wire fraud, and credit card fraud. The document concludes by outlining steps businesses can take to safeguard themselves, such as training employees, monitoring for suspicious emails, implementing dual approval processes, avoiding paper checks, and practicing strong cybersecurity and account monitoring.
USI Insurance Services provides identity theft risk management and insurance solutions. They assess clients' exposure to identity theft and assist in minimizing risks. If desired, clients can obtain identity theft insurance for a nominal fee. This coverage includes identity theft monitoring, assistance restoring one's identity if stolen, and advocates to help with the restoration process. Identity theft affects millions of Americans each year, costing victims both financially and emotionally through stolen funds, fees, and time spent resolving issues. USI has helped many clients recover stolen funds and avoid costs through their identity theft insurance.
Fraudulent emails are crafted to seem legitimate, like messages from your bank or another trusted source. They request personal information, which criminals then use for fraud.
Credit experts recommend freezing your credit with the three major credit bureaus (Equifax, Experian, and TransUnion) as well as with Innovis to help prevent identity theft in the wake of the Equifax data breach. This involves making separate requests to each credit bureau either online, by phone, or mail. Freezing your credit prevents potential creditors from accessing your credit file to open new accounts. While it does not prevent all types of fraud, it is an important step to take. The process may take some time as separate requests must be made to each credit bureau and proper identification documentation provided.
Similar to Ten Protective Steps to Address the Equifax Breach (20)
This document discusses safe harbor 401(k) plans and how they allow plans to avoid annual nondiscrimination testing. It outlines the key advantages of safe harbor plans, including allowing highly compensated employees to contribute more. It details the employer contribution requirements to qualify as a safe harbor plan and required notices. It also discusses converting existing plans, midyear amendments, and reducing or eliminating contributions.
The 2017 B&I Webinar calendar is here! Each month CBIZ hosts a benefits-related webinar with innovative strategies for developing the best health care plan for your growing organization. Sign up for a webinar today!
CBIZ Great Health Newsletter 2nd Quarter 2016Daniel Michels
This document lists various health, fitness, and wellness events happening across several US cities between May 2016 and October 2016 that are near CBIZ locations, including Bubble Runs in Kansas City, Cincinnati, San Diego, Denver, and Chicago and Tough Mudders in Kentucky, Minnesota, and the Northeast. It also provides information on the 2016 Personal Rewards Program through United Healthcare, including ways to earn premium reductions by completing various health actions like online surveys, biometric screenings, preventative exams, and meeting health targets by August 31, 2016. Contact numbers are provided for benefit providers.
EBN Feb 2016 The ABCs of Employee BenefitsDaniel Michels
This document outlines 26 important employee benefits issues ("ABCs") that need attention in 2016, as summarized by Ed Bray. It discusses key actions and considerations regarding Affordable Care Act compliance and reporting, benefits strategies and costs, technology spending, same-sex marriage implications, and ensuring compliance with various other regulations. It emphasizes preparing for ongoing changes, communicating proactively with employees, and leveraging external support and wellness programs to help manage rising costs.
Health Reform Bulletin 116 Year End Wrap Up 12-29-15Daniel Michels
The most recent CBIZ Health Reform Bulletin: Year-End Wrap Up (HRB 116). This issue includes specific information and guidance on:
1. Late breaking development, IRS delays new Affordable Care Act's (ACA) reporting and disclosure obligations!
2. On December 18, 2015 Consolidate Appropriations Act, 2016, and the Protecting Americans from Tax Hikes (PATH) Act of 2015 (H. R. 2029; now Public Law No. 114-113) were signed by the President, and amend several provisions of the Affordable Care Act.
3. The IRS Issued guidance relating to ACA implementation
4. Year-End Reminders
The new At Issue bulletin is here! This yearly bulletin highlights happenings of CBIZ Benefits & Insurance and relevant changes to policies over the year of 2015.
Articles in this edition are:
- Overview of 2015
- Quick Review of New Federal Laws
- DOL Assists States Establishing Savings Programs
- Proposed Changes to ERISA’s Disability Claims and Appeal Process
- More IRS Guidance on Application of Same-sex Marriage to Benefit Plans
- 2016 Benefit Plan Limits and Cost of Living Adjustments
- Year-end Reminders
- Annual Notice Reminders
Substance abuse is often an area that is overlooked when considering the value of total Wellbeing programs – i.e. justification for investing in workplace education and support programs.
How is wellbeing related to engagement? These studies show how! Source: Gallup (2013), "State of The American Workplace: Employee Engagement Insights for US Business Leaders"
CBIZ's very own Todd Hanson is featured in the November edition of the Minneapolis St. Paul Business Journal. Read the panelists' expert opinions about current issues surrounding health care including benefits, mobile health, health education, aca compliance, and more!
Panelists include Todd Hanson, director of client services at CBIZ Benefits & Insurance Services; Jesse Berg, an attorney specializing in health care law at Gray Plant Mooty; John Soshnik, a partner in the health law group at Lindquist & Vennum; Becca Miller, director of employer solutions at Capella Education Co.; and Steven Rush, director of health literacy innovations at UnitedHealth Group Inc. Allison O’Toole, interim CEO at MNsure, served as moderator.
The Wellbeing Insights newsletter is a monthly publication produced by CBIZ Wellness Solutions. Click to read this month's edition with great wellness features including:
- National Breast Cancer Awareness Month
- On the Menu: Pumpkins
- Flu Shot Myth Buster
- And more!
The Supreme Court ruled in Obergefell v. Hodges that states cannot ban same-sex marriage and must recognize same-sex marriages performed in other states. This extends marriage rights to same-sex couples nationwide under the equal protection clause of the 14th Amendment. As a result, employers will need to review and potentially update policies relating to health insurance, retirement benefits, and other benefits to comply with this ruling recognizing same-sex marriages.
This document summarizes a presentation given by Cigna on the Affordable Care Act's Cadillac tax. It introduces the speakers and provides an overview of the purpose, mechanics, and impacts of the Cadillac tax. Cigna representatives also discuss strategies employers are using to reduce costs in response to the tax, such as implementing consumer-driven health plans like Cigna's HSA and HRA offerings. The presentation aims to help employers understand and prepare for the Cadillac tax scheduled to take effect in 2018.
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdfshruti1menon2
NIM is calculated as the difference between interest income earned and interest expenses paid, divided by interest-earning assets.
Importance: NIM serves as a critical measure of a financial institution's profitability and operational efficiency. It reflects how effectively the institution is utilizing its interest-earning assets to generate income while managing interest costs.
Unlock Your Potential with NCVT MIS.pptxcosmo-soil
The NCVT MIS Certificate, issued by the National Council for Vocational Training (NCVT), is a crucial credential for skill development in India. Recognized nationwide, it verifies vocational training across diverse trades, enhancing employment prospects, standardizing training quality, and promoting self-employment. This certification is integral to India's growing labor force, fostering skill development and economic growth.
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Economic Risk Factor Update: June 2024 [SlideShare]Commonwealth
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...Donc Test
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting, 8th Canadian Edition by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Ebook Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Pdf Solution Manual For Financial Accounting 8th Canadian Edition Pdf Download Stuvia Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Financial Accounting 8th Canadian Edition Ebook Download Stuvia Financial Accounting 8th Canadian Edition Pdf Financial Accounting 8th Canadian Edition Pdf Download Stuvia
Discover the Future of Dogecoin with Our Comprehensive Guidance36 Crypto
Learn in-depth about Dogecoin's trajectory and stay informed with 36crypto's essential and up-to-date information about the crypto space.
Our presentation delves into Dogecoin's potential future, exploring whether it's destined to skyrocket to the moon or face a downward spiral. In addition, it highlights invaluable insights. Don't miss out on this opportunity to enhance your crypto understanding!
https://36crypto.com/the-future-of-dogecoin-how-high-can-this-cryptocurrency-reach/
The Universal Account Number (UAN) by EPFO centralizes multiple PF accounts, simplifying management for Indian employees. It streamlines PF transfers, withdrawals, and KYC updates, providing transparency and reducing employer dependency. Despite challenges like digital literacy and internet access, UAN is vital for financial empowerment and efficient provident fund management in today's digital age.
University of North Carolina at Charlotte degree offer diploma Transcripttscdzuip
办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...sameer shah
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
Decoding job postings: Improving accessibility for neurodivergent job seekers
Improving the quality and accessibility of job postings is one way to reduce employment barriers for neurodivergent people.
Ten Protective Steps to Address the Equifax Breach
1. View this email as a web page.
September 14, 2017
Ten Protective Steps to Address the Equifax Breach
Along with 143 million Americans, you may be a victim of
one of the worst information security breaches in our history.
As is now common knowledge, the Equifax breach is
expansive not only in the number of affected persons, but also
in the nature of compromised information. From social
security numbers, dates of birth, credit card numbers and even
documents used in credit dispute proceedings, fraudsters have
sufficient information to cause extreme financial damage to
your family.
The following are ten recommended action items, some to act
upon immediately and others for long term monitoring. The impact of this breach could
even extend to the filing of tax returns. We recommend taking not just one, but multiple
protective measures.
1. Assume you were affected.
While Equifax has a dedicated website to check your status, there are reported instances
of unreliable results being generated. Equifax is, however, offering credit file monitoring
and identity theft insurance of up to $1 million through its TrustedID Premier program.
Further information can be obtained at equifaxsecurity2017.com.
2. Consider an immediate credit freeze.
This allows you to restrict access to your credit report, making it more difficult for
fraudsters to compromise your identity. However, a freeze may prevent even you from
opening any new credit unless certain other measures are taken, such as a temporary
removal of the freeze. Also, a freeze will not prevent a thief from making charges to your
existing accounts. A freeze is initiated directly with each of the credit reporting agencies
(TransUnion, Experian, and, ironically, Equifax), through the following phone numbers
or websites:
• Equifax - www.equifax.com - 1.888.766.0008 or 1.866.447.7559
• Experian - www.experian.com - 1.888.397.3742
• TransUnion - www.tuc.com - 1.888.909.8872 or 1.800.680.7289
3. As an alternative, consider placing a 90-day fraud alert on your credit report.
A fraud alert allows creditors to get a copy of your credit report, but they must take
additional steps and have additional information to verify your identity before attempting
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2. to open new credit. Initiating a fraud alert with just one of the credit reporting agencies
will be effective for all three agencies.
4. Change online passwords to all financial accounts and to your email.
Once a fraudster gains access to an account, they typically test any procured passwords
against all of your other accounts. We realize that changing online passwords to all of
your financial accounts and email is an onerous process at best. However, committing to
this action now may avoid years of painstaking remedial actions in the event of identity
theft.
5. Obtain updated credit reports for each member of your family and from each of
the credit reporting agencies (the information can vary).
This includes credit reports for your minor children, as fraudsters can bank this
information for later use when your children attain majority. A credit report is available
at AnnualCreditReport.com free of charge. Review your credit reports thoroughly and
regularly for any suspicious activity.
6. Check your debit and credit card activity daily.
The earlier suspicious activity is detected, the greater the opportunity to minimize
damage.
7. Do not open any unsolicited emails from "Equifax" unless you have recently
created an account.
They claim they will not be sending any emails concerning the breach. Hence, an
unsolicited email from Equifax is likely a scam.
8. Be on the look-out for phishing calls, unknown emails or any suspicious
solicitations.
Avoid opening attachments or unknown links contained in emails and never give out
personal information over the phone.
9. Never send personal or financial information by unsecured email.
Do not allow any advisor to send you personal or financial information unless through
secure email. This is an activity prone to complacency, but email data theft and
trafficking will remain at a heightened risk for the foreseeable future.
10. Last but certainly not least, win the race to the IRS! File your taxes as early as
possible.
In light of the nature of information compromised, fraudsters have sufficient information
to file a return in your name and to claim your refund. Open any written mailed
communications from the IRS immediately and engage a professional advisor if it
appears any suspicious filings have occurred.
Many identity and data theft prevention services are available to supplement your own
prevention efforts. A link from the Federal Trade Commission has additional steps for
identity theft prevention. See https://www.consumer.ftc.gov/features/feature-0014-
identity-theft. Your Oxford team of advisors look forward to assisting you in determining
what measures and protective actions are appropriate for your unique situation.
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3. The above commentary represent the opinions of the author as of 9.14.17 and are subject
to change at any time due to market or economic conditions or other factors.
This email was sent to: aledwein@cbiz.com
This email was sent by: Oxford Financial Group, Ltd.
11711 North Meridian Street, Suite 600, P.O. Box 80238, Indianapolis, Indiana,
46280-0238, USA
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