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Tyre&Auto Southbourne Group Review: Understanding the importance of regular car maintenance

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Tyre&Auto Southbourne Group Review: Understanding the importance of regular car maintenance

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Ostensibly, most car owners these days were meticulous in taking care of their own cars. They always keep the safety standards of their car as well as making sure that it is in perfect running condition. And included in owning a car is the responsibility of ensuring everyone’s safety. How to properly brake a car is usually the first rule in driving a car, which also indicates the significance of safety of the driver as well as the passengers.

One of the most trusted companies in South Coast of Hampshire in handling car services is Tyre&Auto Southbourne Group. It is known as a family-operated company that has a great and honest record in trading car parts and accessories, and many customers now depend on its automobile expertise. Tyre&Auto offers car servicing, tyres, brake checks, MOT’s, and free seasonal tune-ups and check-ups.

Are you in a hurry for a tyre quotation? Tyre&Auto can accommodate you since they have online transactions that aim to make tyre fitting faster. Their car maintenance and repair were also first-class and they can provide local collect and delivery of your car.

In addition, MOT test is included in Tyre&Auto Southbourne Group wherein it involves checking the safety of your car as well as the amount of exhaust emission. You can be at the right time in the renewal of your road tax and your car insurance with the company’s regular reminders that aims to assist you in your yearly MOT certificate requirements since such reminders include the due of your test.

Owning a car can give a person some benefits like personal comfort, mobility as well as emotional or psychological benefits. It is really essential in today’s world and Tyre&Auto Southbourne Group also sees its significant role in the society, thus the company strives to only give good automobile service to their customers.

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Moss Adams Business Consultants: Investment Banking

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Moss Adams Business Consultants: Investment Banking

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Creating value. Identifying opportunity. Driving growth. Our seasoned professionals have the experience to guide you every step of the way.

MOSS ADAMS CAPITAL

Moss Adams Capital LLC is a leading investment banking firm dedicated to helping companies and individuals create business value, sell and acquire businesses, raise equity and debt capital, and evaluate strategic opportunities.

Moss Adams Capital principals are senior, seasoned professionals who have a proven track record as advisors for middle-market companies. We focus on middle-market companies with revenues between $10 million and $350 million. Our expertise spans numerous industry sectors representing a wide range of businesses. Our investment banking services are complemented by the extensive experience and skills of Moss Adams LLP, our affiliate.

SERVING THE MIDDLE MARKET SINCE 1913

Moss Adams Capital is majority owned by Moss Adams LLP, the largest independent accounting and consulting firm located in the Western United States. With origins in Seattle in 1913, Moss Adams has provided advice to middle-market companies for nearly 100 years. Moss Adams is a member of Praxity, a global alliance of independent firms that serve middle-market companies in more than 70 countries.

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Moss Adams Business Consultants: Investment Banking

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Moss Adams Business Consultants: Investment Banking

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Singapore Huxley Associates: All change for salaries in
the banking sector

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Singapore Huxley Associates: All change for salaries in
the banking sector

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International Financial Corporation Fraud Regulatory Commission

Front office roles are no longer the only ones where employees can receive large salaries in the banking sector.

Nowadays, support roles such as risk management and oversight can command the same three-figure salaries as their front office counterparts.

The banking sector has undergone significant change in the last decade. For much of the past few years the industry has found itself in the dock. The fallout from the financial crisis, several high profile cases of banking skullduggery and massive fines handed out as a result has led to a rise in the importance of non-revenue producing roles.

“There’s much more of an emphasis now on how you run the business and manage risk, rather than making money for the sake of making money,” explains Jonathan Astbury, Associate Partner at Newington International. “The focus has moved from revenue drivers to a risk management and clear and prudent oversight perspective.

“Salaries in front office haven’t changed, so banks are having to invest out more in general. However, the big change has been the bonus potential of front office, which is now a lot lower than it was previously, and those savings are filtering through to back and middle office.”

Of course, much of the bad behavior within banking historically and has been blamed on the fact that remuneration was linked to the revenue generated and proprietary trading risk was rewarded.

“In the old days it was quite conceivable that a good salesman would get a bonus of between £400k and £1m, and that was purely on the basis that they were making at least 10 times that in revenue,” says Jonathan.

“Firstly, those revenue figures are much lower these days so bonuses have naturally come down. Secondly, the overall markets are not as active: there is increased pressure on margins, and you’ve also got the advent of electronic trading and direct market access. A lot of work is now done by systems, not people, which is a cheaper and permanent change.”

New high paying roles

The newer high paying roles are centered around functions like senior level project managers and senior analysts, many of whom have been employed to run large projects that will help banks save money and work more efficiently in the long term. Compliance and regulatory affairs feature heavily as well:

“There has been an exponential rise in salaries in compliance because there is a real shortage of talent at a senior level,” explains Jonathan. “Regulatory change is an ongoing and evolutionary process, so even when new regulations have been absorbed there will be more on the way.

“Specialized research areas are also quite lucrative, high level academics are being brought in to help develop trading strategies, and to help develop products. Financial and cybercrime is also an area that’s growing in importance and in demand for talent.”

Finding the talent

Sourcing the right people often comes as a result of headhunting, with remuneration being a key driver influencing whether a candidate chooses to move jobs. Whilst London is still a key hub, many banks are onshoring the non-front office roles to other UK cities such as Birmingham.

There’s no need for front office to consider changing roles yet, however. Recent surveys by salary benchmarking site Emolument shows that salespeople, origination, and trader or structurer in investment banking are still the highest paid roles in banking.

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International Organization of Securities Commissions
(IOSCO)

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International Organization of Securities Commissions
(IOSCO)

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Background

The International Organization of Securities Commissions (IOSCO) is the worldwide association of national securities regulatory commissions, such as the Securities and Exchange Commission in the United States, the Financial Services Authority in the United Kingdom, and about 100 other similar bodies. Click here to go to the IOSCO website and click here to go to links to IOSCO members.

The member agencies of IOSCO have agreed to:

·         cooperate in developing, implementing and promoting adherence to internationally recognised and consistent standards of regulation, oversight and enforcement in order to protect investors, maintain fair, efficient and transparent markets, and seek to address systemic risks

·         enhance investor protection and promote investor confidence in the integrity of securities markets, through strengthened information exchange and cooperation in enforcement against misconduct and in supervision of markets and market intermediaries

·         exchange information at both global and regional levels on their respective experiences in order to assist the development of markets, strengthen market infrastructure and implement appropriate regulation.

·         Under the Multilateral Memorandum of Understanding Concerning Consultation and Cooperation and the Exchange of Information, member organisations cooperate with each other in matters of enforcement.

IOSCO's involvement in IFRS

IOSCO's enforcement role extends to matters of interpretation of IFRS, where IOSCO maintains a (confidential) database of enforcement actions taken by member agencies.

In September 2013, IOSCO and the IFRS Foundation announced agreement on a set of protocols to improve consistency in the implementation of IFRS. The Statement of Protocols for Cooperation on International Financial Reporting Standards reiterates the current relationship between the two organisations, and identifies four new areas for mutually supportive work:

·         Use of IFRSs within jurisdictions around the world — IOSCO and the IFRS Foundation will periodically share information to maintain current and accurate data on the progress of global IFRS adoption

·         How securities regulators will be affected by IASB standards — The IFRS Foundation will identify and explain implementation aspects of the IASB’s new or significantly amended standards that are of interest to securities regulators

·         Discussion of IFRS enforcement matters — IOSCO will organise an annual IFRS enforcers’ discussion session for its members to discuss issues, standards and other IFRS enforcement matters with IASB members or staff

·         Providing critical and timely input — The IFRS Foundation will solicit IOSCO member opinions on any time-sensitive IFRS implementation matters needing urgent input from securities regulators.

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Heimdal Security Company: TorrentLocker Spoofs Telecom
Heavyweight Telia

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Heimdal Security Company: TorrentLocker Spoofs Telecom
Heavyweight Telia

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Spoofing the identities of big, respected companies is a key tactic that cyber criminals use to trick their victims. We’ve seen it happen with IKEA and especially Post Denmark and Postnord. And we’ve seen not once, not twice, but tens of times in the past year alone!

And now it’s happening again. This time, cyber criminals are impersonating Telia, a telecom giant with operations in Europe and Asia. Telia has hundreds of millions of customers who could all become targets for this ransomware attack.

Highly targeted campaign using a mix of attack vectors

The Torrentlocker family is well known for its highly targeted spam email campaigns. Attackers carefully localize the emails, ransom notes and other elements tied to the campaign. The more targeted the attack, the higher the chances for it to be effective.

In this attack, victims are baited with an invoice which appears to come from Telia, a trusted telecom company. The primary target for the attack is Sweden, but additional campaigns may follow, replicating the same model.

The psychological factor plays a key role in current malware attacks, but it’s only used as a hook. Once the victim triggers the infection, the malicious tech behind it comes into play. Here’s how the attack unfolds.

The spam email used in this attack has the following contents:

From: [spoofed / fake return address]

Subject line: Fwd: [name of recipient] Invoice for Telia

The spam email a single link, which points to a bunch of compromised web pages [sanitized]:

http://bluecrabcharters [.] com.au/1yaI3zFtWAOb/sD5TRZz.php?id=[%navn to receive%] -> http://eok9.teliabills [.] Com / mditqyzo.php? Id = bWF0c0BoZW1wZWwuY29t

When the victim clicks the link, he/she will be redirected to the webpage you can see below, where a Captcha code is displayed. When the victim fills out the code, the TorrentLocker payload will be downloaded from the following servers [sanitized]:

http://tendearteplast [.] com / 1.exe

http://gettingmarried [.] ie / 1.exe

It’s important to know that the payload will be only downloaded once per link and on one condition: that the victim’s IP is from Sweden. If an IP from another country is used, the victim will be redirected to Google. Cyber criminals didn’t overlook a single detail when building this campaign.

The moment the malicious code is run, it will connect to a central C & C server [sanitized]:

manybigtoys [.] Com

It will then register the infected computer and the data harvested from it, which includes certificates from the infected device. A new thing about this attack is that the ransomware will inject itself into the memory of the “explorer.exe” process (child process). It will then drop the main component with an arbitrary filename. Available contact details on the device will also be collected and sent to the aforementioned C&C server, certainly to be used in future spam campaigns.

Multiple subdomains are used as part of the infection chain, the same as in previous ransomware campaigns [sanitized]:

https://pvebubadan.manybigtoys [.] com / topic.php

https://ucat.manybigtoys [.] com / topic.php

https://urile.manybigtoys [.] com / topic.php

The next step is for TorrentLocker to encrypt all the data files available on the local drive and on connected network drives, if there are any.

In this attack, TorrentLocker also has the ability to remain dormant. This sleep function helps it avoid sandboxing technologies. Among other things, the ransomware generates a value of “6000” before touching “explorer.exe” or “vssadmin.exe”.

If the victim navigates to the indicated website to pay the ransom, the TOR address mentioned in the ransom note will redirect to the same main C & C server mentioned before [sanitized]:

https: // urile[.]manybigtoys.com/help.php?user_code=1op26yr&user_pass=6131

Victims are extorted to pay approximately 1.15 Bitcoins, which is worth around 4099 SEK (441 EUR). There’s a time limit for the payment, which, if surpassed, will double the ransom value.

Almost 2 days after the attack, antivirus detection is still unsatisfactory: 19/57 on VirusTotal.

Conclusion

We can’t emphasize this enough: a backup is the best protection for your data in case of a ransomware attack! Actually, you should have multiple backups. And use this anti-ransomware checklist to see what else you can do to ensure that you’re never hit by encrypting malware.

We have a long road ahead when it comes to minimizing the impact of ransomware, which is one more reason to push for basic cyber security education and proactive protection.

Continue reading

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Spoofing the identities of big, respected companies is a key tactic that cyber criminals use to trick their victims. We’ve seen it happen with IKEA and especially Post Denmark and Postnord. And we’ve seen not once, not twice, but tens of times in the past year alone!

And now it’s happening again. This time, cyber criminals are impersonating Telia, a telecom giant with operations in Europe and Asia. Telia has hundreds of millions of customers who could all become targets for this ransomware attack.

Highly targeted campaign using a mix of attack vectors

The Torrentlocker family is well known for its highly targeted spam email campaigns. Attackers carefully localize the emails, ransom notes and other elements tied to the campaign. The more targeted the attack, the higher the chances for it to be effective.

In this attack, victims are baited with an invoice which appears to come from Telia, a trusted telecom company. The primary target for the attack is Sweden, but additional campaigns may follow, replicating the same model.

The psychological factor plays a key role in current malware attacks, but it’s only used as a hook. Once the victim triggers the infection, the malicious tech behind it comes into play. Here’s how the attack unfolds.

The spam email used in this attack has the following contents:

From: [spoofed / fake return address]

Subject line: Fwd: [name of recipient] Invoice for Telia

The spam email a single link, which points to a bunch of compromised web pages [sanitized]:

http://bluecrabcharters [.] com.au/1yaI3zFtWAOb/sD5TRZz.php?id=[%navn to receive%] -> http://eok9.teliabills [.] Com / mditqyzo.php? Id = bWF0c0BoZW1wZWwuY29t

When the victim clicks the link, he/she will be redirected to the webpage you can see below, where a Captcha code is displayed. When the victim fills out the code, the TorrentLocker payload will be downloaded from the following servers [sanitized]:

http://tendearteplast [.] com / 1.exe

http://gettingmarried [.] ie / 1.exe

It’s important to know that the payload will be only downloaded once per link and on one condition: that the victim’s IP is from Sweden. If an IP from another country is used, the victim will be redirected to Google. Cyber criminals didn’t overlook a single detail when building this campaign.

The moment the malicious code is run, it will connect to a central C & C server [sanitized]:

manybigtoys [.] Com

It will then register the infected computer and the data harvested from it, which includes certificates from the infected device. A new thing about this attack is that the ransomware will inject itself into the memory of the “explorer.exe” process (child process). It will then drop the main component with an arbitrary filename. Available contact details on the device will also be collected and sent to the aforementioned C&C server, certainly to be used in future spam campaigns.

Multiple subdomains are used as part of the infection chain, the same as in previous ransomware campaigns [sanitized]:

https://pvebubadan.manybigtoys [.] com / topic.php

https://ucat.manybigtoys [.] com / topic.php

https://urile.manybigtoys [.] com / topic.php

The next step is for TorrentLocker to encrypt all the data files available on the local drive and on connected network drives, if there are any.

In this attack, TorrentLocker also has the ability to remain dormant. This sleep function helps it avoid sandboxing technologies. Among other things, the ransomware generates a value of “6000” before touching “explorer.exe” or “vssadmin.exe”.

If the victim navigates to the indicated website to pay the ransom, the TOR address mentioned in the ransom note will redirect to the same main C & C server mentioned before [sanitized]:

https: // urile[.]manybigtoys.com/help.php?user_code=1op26yr&user_pass=6131

Victims are extorted to pay approximately 1.15 Bitcoins, which is worth around 4099 SEK (441 EUR). There’s a time limit for the payment, which, if surpassed, will double the ransom value.

Almost 2 days after the attack, antivirus detection is still unsatisfactory: 19/57 on VirusTotal.

Conclusion

We can’t emphasize this enough: a backup is the best protection for your data in case of a ransomware attack! Actually, you should have multiple backups. And use this anti-ransomware checklist to see what else you can do to ensure that you’re never hit by encrypting malware.

We have a long road ahead when it comes to minimizing the impact of ransomware, which is one more reason to push for basic cyber security education and proactive protection.

Continue reading

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Insurance Claim Investigators in Paraguay

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Insurance Claim Investigators in Paraguay

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Claims Investigators Singapore

Claim Investigators are providing their professional and insurance investigation services to clients in all over Paraguay. The regions of Paraguay are looked after by our local associates/partners firms who are well-established with their trustworthy network and experienced to provide our comprehensive insurance investigation services according to the locale and also we maintain a network of correspondent offices and professional associates in all over the World with strong network of our on-ground associates/partners. Our investigations and reporting are comprehensively descriptive with the main objective to obtain the clear and convincing evidence. Our range of services includes:

·         Fraud claim investigations and insurance fraud investigation in Paraguay

·         Life insurance claim investigations in Paraguay

·         Accidental benefits/death claim investigations in Paraguay

·         Property loss claim investigations in Paraguay

·         Travel insurance claim investigations in Paraguay

·         Third-party claim investigations in Paraguay

·         Medical claim investigations in Paraguay

·         Personal claim investigations in Paraguay

·         Theft claim investigations in Paraguay

·         Subrogation and recovery investigations in Paraguay

·         Contestable death investigations in Paraguay

·         Fatal accident investigations in Paraguay

·         Motor vehicle crash investigation in Paraguay

·         Recovery of stolen vehicles in Paraguay

·         Insurance litigation support in Paraguay

Our associates are very well experienced in fraud insurance claim investigations and well known in their respective locale consequently we can give you the best and prompt service. Indeed we cover all over Paraguay including Asuncion, Caaguazu, Ciudad del Este, Concepcion, Coronel Oviedo, Encarnacion, Pedro Juan Caballero, Pilar, Rosario, San pedro, Villarica. Kindly contact us on our email: info@claiminvestigators.com according to your requirement respectively.

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Atsumi and Sakai Consulting Group Fraud Lawyers in Tokyo
Japan on Finance Practices

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Atsumi and Sakai Consulting Group Fraud Lawyers in Tokyo
Japan on Finance Practices

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Atsumi & Sakai has a proven track record in international finance matters, advising clients on many innovative and award-winning transactions. A number of these transactions have been awarded “Deal of the Year” by leading international legal and financial publications, including the International Financing Review, Asiamoney, the International Financial Law Review and Asian Legal Business Magazine for their innovation, scale and strategic importance. Most recently, Atsumi & Sakai was awarded for “Securitization Deal of the Year” at the Asian Legal Business Deal of the Year Awards, Japan 2005.

Of the nine transactions nominated in this category, Atsumi & Sakai advised on no less than three major deals, including the winning Global Hospital Limited transaction. Atsumi & Sakai itself was also voted “Best Securitisation Law Firm in Asia” for 2003 by the International Securitisation Report. The Firm has played a pivotal role in many other award winning transactions, including a deal hailed as Japan’s first securitization of residential mortgage loans; another as the world’s largest multi-issue CLO, and the first master trust CLO program in Japan by a Japanese bank; the first securitization of residential mortgages from multiple originators in Japan for issuance of multiple-tranche securities to investors; and the first repackaged CMBS in Japan by a Japanese bank. The frequency with which the media report on, and award, deals on which we advise is testimony to our firm’s ability to use our experience and knowledge to successfully assist clients in innovative transactions.

Atsumi & Sakai is one of Japan’s most experienced law firms in the field of securitization, and has been closely involved in a number of groundbreaking transactions such as the first securitization of real estate mortgages in Japan. The Firm’s securitization practice experience includes the securitizations of leases, credit card receivables, loan receivables; real estate backed deals involving commercial office buildings, rental apartments and other residential housing, the securitization of future cash flows and intellectual property, and whole-business securitization. In recent years the Firm has attracted high-profile work on new types of products, has worked on the formation of real estate funds and other investment funds, and of course has a regular flow of general banking, capital markets, project finance, trust banking, and corporate finance work.

These include:

General Finance

-Loans, syndicated loans, swaps, options and other derivatives

- Project finance

- Ship finance, aircraft finance, and real-estate financing

- BIS regulations and other legal regulations

- Structuring of new financial products

Trust Banking

- Creating trust products and structures

- Advice on the Trust Business Law and compliance issues

Structured Finance and Securitization

- Asset-backed securities (ABS) involving lease receivables, credit card receivables, cash card receivables, bank loans, business loans, consumer loans, motor vehicle loans, notes and accounts receivable, medical fee claims and various other monetary claims and rights to intellectual property, etc.

- Real estate mortgage-backed securities (RMBS), and commercial mortgage-backed securities (CMBS)

- Asset-backed commercial paper (ABCP), including acting for the arranger on transactions for city banks, trust banks, foreign banks, investment banks, foreign securities companies, etc.

- Collateralized Bond Obligations (CBO), Collateralized Loan Obligations (CLO), Collateralized Debt Obligations (CDO), Whole Business Securitizations (WBS), repackaged bonds, credit linked bonds and credit derivatives

- Structuring transactions involving the establishment and operation of special purpose companies, including non-Japanese SPCs, and Japanese special purpose entities such as tokutei mokuteki kaisha (TMK) and chukan hojin.

Securities

- Primary markets, including initial public offerings, equity financing, domestic bonds, samurai bonds, Euro-yen bonds, private placements, medium term notes and foreign stock market listings

- Trading and compliance issues

Investment Funds

- Structuring and advising on investment funds under the Investment Trust Law (toushi shintaku hou), including real estate investment trusts (REITS)

- Structuring and advising on various privately placed investment funds

- Structuring and advising on various foreign investment funds

- Advising on laws relating to asset management businesses