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Everyone wants to make as much money as possible. This is not surprising at all. Even the kings in ancient times could not get enough of the tributes they could easily exact from their subjects so that they can build palaces, ships and car ports (or should we say stables?).

Not all can become kings or presidents, for that matter. But we all need to earn enough to meet our needs. What most people fail to consider, however, is thatfinancial planning begins not when you get a job or start making a salary. Much like going to college, one prepares for a college degree the moment one enters grade school. Likewise, gaining the knowledge and the skills to become financially stable starts with the very first step: when you get hold of your first paycheck.

Here are some principles to follow to achieve stress-free financial planning:

1. Financial planning initially requires knowing how to earn or make money

Obviously, before anyone can talk or think about planning how to spend money, one has to earn it first. Yes, one can borrow; however that is the most dangerous route toward a risky proposition, unless, of course, one already knows how to handle money and avoid risks. There is no shortcut to the process; either one has the money to budget or has the capability to raise that money somehow and not stock up with huge loans – a warning on this!.

2. Decide what the money is for

This is a no-brainer. Every teenager knows this: it is for a pair of shoes or a date on a weekend. But that is the case where money is merely handed down. Or it could even be earned through hard work, such as mowing the lawn or minding the family store.

But for more serious money and goals (for business, that is), one has to have a more accurate plan for spending the money and how to make it grow as much as possible with the least time possible.

3. Budgeting requires considering the risks

We will never find out the ultimate secrets to budgeting that will bring about the highest returns and with zero possibility of failure and feel like being scammed. Risks are part of life’s realities, much more so in business. Every expense has a hidden risk in the form of additional or unexpected costs or loss of profit. Buying a digital camera, to give a simple but convincing example, is no longer like buying a shirt. You buy a shirt and wear it without having to pay another cent, although you will have to spend for washing it regularly. A camera, however, might require buying a camera bag, a tripod, a selfie-stick and so many other accessories to make it fully functional for all occasions.

Financial planners input contingency costs to cover expected and unexpected expenses. This takes care of the “risks” appurtenant to a particular item of expense in a company’s budget.

4. A budget must include savings

The importance of savings cannot be overemphasized. Many people, in fact, go through life without ever having a semblance of a lifetime savings, let alone a piggy bank. Unfortunately, many such people live in subsistence levels that does not allow them the luxury of putting aside some money regularly.

But a business enterprise cannot survive without provide for sufficient savings to cover unexpected as well as necessary expenses along the way. The best rule to follow, to echo Warren Buffet, is to put aside a certain percentage for savings first and spending the rest for one’s regular expenses and not the other way around, which most people practice.

With enough practice, anyone can get the knack for efficient, stress-free financial planning as a personal or business practice.

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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.

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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TorrentLocker Spoofs Telecom Heavyweight Telia - Heimdal
Security Company

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TorrentLocker Spoofs Telecom Heavyweight Telia - Heimdal
Security Company

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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.

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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Claims Investigators Singapore

Claim Investigators are providing their professional and insurance investigation services to clients in all over Jordan. The regions of Jordan 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 Jordan

Life insurance claim investigations in Jordan

Accidental benefits/death claim investigations in Jordan

Property loss claim investigations in Jordan

Travel insurance claim investigations in Jordan

Third-party claim investigations in Jordan

Medical claim investigations in Jordan

Personal claim investigations in Jordan

Theft claim investigations in Jordan

Subrogation and recovery investigations in Jordan

Contestable death investigations in Jordan

Fatal accident investigations in Jordan

Motor vehicle crash investigation in Jordan

Recovery of stolen vehicles in Jordan

Insurance litigation support in Jordan

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 Jordan including Amman, Irbid, Madaba, Aydun, Kuraymah, Wadi Musa, Suf, Hawwarah, Judayta, Jawa, Kafr Yuba, Umm Nuwarah, Sakib, Samma, Kafr Asad. Kindly contact us on our email: info@claiminvestigators.com according to your requirement respectively.

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About US Boiler

U.S. Boiler Company, manufacturer of quality hydronic-heating products, has introduced more new, high efficiency products over the last several years than any other company at any time in the history of hydronic heating! From new ENERGY STAR certified, gas-fired residential boilers… to high efficiency oil-fired boilers including advanced design, three-pass, cast iron boilers… along with the industry’s only, three-pass, oil-fired, steam boiler… and the only atmospheric gas boiler made in America, the ES2, boasting 85% AFUE. Together, the expansive lineup of heating products from U.S. Boiler Company boasts the highest average efficiency, exceeding 85%… with maximum efficiencies over 95%.

And it doesn’t stop there! U.S. Boiler Company now offers the broadest line of condensing boilers available from any manufacturer anywhere. In addition, U.S. Boiler Company has developed and introduced exclusive user-friendly boiler control systems for many of its products. The U.S. Boiler IQ and U.S. Boiler Sage2.1 Control Systems offer unparalleled features and benefits that are unmatched in the boiler industry.

Truly, the U.S. Boiler brand has set the new standards for hydronic heating equipment in residential and commercial products… for gas-fired and oil-fired applications… with water and steam boilers… and super high efficiency condensing boilers. To provide this extensive product lineup, U.S. Boiler Company has invested in world class manufacturing facilities and new assembly operations in Lancaster, Pennsylvania with state-of-the art computer numerical controlled machines providing exacting product tolerances. Quality, made in America cast iron sections are produced for U.S. Boiler Company by Casting Solutions, another Burnham Holdings subsidiary, located in Zanesville, Ohio, USA. Along with the best engineering capabilities available anywhere, U.S. Boiler Company with its made in the USA, quality product lines delivers world-class marketing, technical sales, and sales support unmatched in North America.

And, there is more to come… U.S. Boiler Company is continuing to develop new products, new capabilities, and innovations that will keep them and their customers at the forefront of the heating industry. U.S. Boiler Company… continuing to be THE leading brand in hydronic heating… with the most complete and advanced product lineup… and the one that’s… Made in America!