Retired senior and enjoying life to the fullest.

Retired senior and enjoying life to the fullest.

Your Personal Cyber Safety, How To Improve It

Your Personal Cyber Safety, How To Improve It

It’s quite common today  for people to use the same password. Not a smart move especially dealing with financial information and personal data.

Always use different passwords. in this modern day of cyber criminals, it’s a must do action. Be Aware – look at the big picture when it comes to cyber security.


That way, when one site gets hacked, you don’t have to change your other passwords to prevent hackers from compromising your information. … The reason for this security breach is that we take the path of least resistance..



Security By design

On a more serious note. Is cybersecurity a concern?  Of course, it is. Many governments have made it a national priority in both the public and private sectors. It affects us all and we must do what it takes to avoid being victims. Many organizations don’t pay enough attention until they have suffered a loss or serious breach. Remember to always:

Improve Your Personal Cyber Safety


Human Errors

Minimizing human error is probably one of the most important areas that companies need to deal with on a regular basis. Administrator and user errors open the door to serious security breaches. Monitoring of staff training and compliance is a must for safe cyber journeys in these times of ongoing criminal activities.

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Wix Review, My Observations


Wix Review | Product Summary

The question to ask | Is Wix a good company for building websites ? I tried to build a wix  website a couple years ago using some of the tools provided but found that I did not have any support access other than FAQ, a forum and phone access.

Product name: Wix.com

Website URL: wix.com (http://www.wix.com)

Price: Free to start (includes free hosting and 500 MB of storage)

Price Premium: Monthly fees: 5 upgrade choices – in US currency.

VIP $24.92 | eCommerce  $16.17 | Unlimited $12.42 | Combo $9.25 | Connect Domain (most basic) $4.08

Founders: Avishai Abrahami, Giora Kaplan, Nadav Abraham

Overall rating: 6 out of 10

WIX.com

Overview | I have tried  Wix and noted that my overall experience is acceptable. Impressed with how easy it is to get started including the drop & drag options. A variety of templates to choose from as you design your site.

Impressive designs | for beginners and first time website builders. We were all beginners at first and felt comfortable with ease of access and clear distinctive steps to use as you started learning website building.

Build your website | Lots of apps to use such as SEO and email marketing, domains & mailboxes.  100’s of templates to try out. Also mobile optimization. Overall quit a few apps and templates to help you build your websites.

Free accounts | Premium packages | available when you decide to move away from your Free site so you can build a serious online presence. Upgrading to premium includes – 1 year free domain, remove wix ads, 10 GB storage and Google Analytics.

Overall View | I like the website builder. I don’t like the wix ads which supposedly disappear with premium upgrade. Template / theme change may affect your content which could mean rebuild your pages which is not a good thing if that is the case. I found the FAQ section very informative and should be read by anyone thinking of building a website.

Recommendation | I would recommend this service to anyone who is not serious about an online business. Has some good points.

Rating | I rated 6 out of 10 because I feel it is a good place to start learning website building. From there the opportunity to move on to more commercial side of online business is a good avenue with the learning acquired at Wix.

Wealthy Affiliate | I am pleased that I found wealthy affiliate in my online search. An amazing organization with the best online platform found anywhere. The starting motivating introduction offering two ad-free websites including free hosting was the best opportunity in my view. For more in-depth information, check out my Wealthy Affiliate review.

Wealthy Affiliate Reviewhttps://attitude-income.com/my-wealthy-affiliate-review-my-observations

 

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Workplace Fraud, The Enemy Within

Workplace Fraud | The Enemy Within

The high cost of Internet and workplace fraud is increasing at an alarming rate. Most of the frauds are committed by in house experienced employees. The risk of workplace fraud continues to climb as the economy slows and more employees experiencing financial problems.


Reporting Internet Fraud

Every fraud should be considered serious, especially to business and also personal situations. They must be reported so that all government levels are aware in order to be able to structure training and budget for extra resources. Yes, that’s right. You the taxpayer are paying the bills for this costly crime.


Internet Fraud Statistics

Fraud statistics are getting higher every hour. The fraud investigators will tell you that it has become a very serious problem everywhere. Police departments have had to increase the number of personnel in order to get timely reports submitted.


Fraud cost small businesses $6,200 last year | Preventable

According to Kim Inglis, Business fraud is a major threat to any small business community in Canada, hitting victimized small businesses an average of $6,000. or more in financial costs in the past year.


Fraud attempts | small businesses victimized

One-third of small businesses have experienced one or more fraud attempts in the last 12 months, and one in five have fallen, victim. Only eight percent of defrauded businesses recovered their full financial costs.


Common Denominators | are you aware

Fortunately, there are a few common denominators that small business owners can watch out for.

  1. Some fraudsters come through your front door and their contact is your employee – who will determine whether you get to keep or lose your money.
  2. Are you certain your staff has sufficient training to recognize common scams like credit card fraud, counterfeit money, or bad cheques or money orders ?
  3. People using fraudulent credit cards have very specific buying patterns ( only expensive items. no concern about price or warranty, et cetera ) that should raise a red flag.
  4. There are simple things your employees can do such as checking signatures or examining credit card security features. However, if your staff is unaware of the techniques, it’s likely that someone will successfully steal your merchandise.

Fraudsters come prepared | They are determined to win

If fraudsters have determined they’re going to target your business for a bad cheque or money order scam, they arrive well prepared. They will have scouted your business and printed false ID and authentic-looking cheques with fake “verification”  numbers. Again, there are specific signs and preventative procedures – but they don’t do any good if your staff doesn’t know about them.


Telephone Fraudsters | Scammers

They don’t come through your front door because their chosen weapon is the telephone, either by talking to one of your employees or through “fax back” scams.

The most common attempted frauds are email scams and phishing, followed by directory fraud, malicious software, and phone scams.


Training Your Staff |  Number one priority

Frauds continue unabated and successful mostly because businesses don’t have proper controls in place and they haven’t trained their staff.

Some prevention can be as simple as hard-and-fast rules about never divulging or clarifying any information about your business, or never agreeing to a telephone business proposal.


Theft And Fraud

Many businesses declaring bankruptcy are blaming it on internal fraud. They say that most frauds are committed by employees with several years of experience. Somewhere between 7 to 14 years working for the company. Certainly not a good picture of what our future is facing if this continues at this pace.


Common Types Of Frauds

Include misappropriation of cash and inventory, which are probably the two most common in a great majority of businesses. This affects staff morale and management confidence that really takes a big hit. Don’t forget the cost to business reputation and trust.


Preventing Fraud In The workplace

That is not an easy task to undertake, considering that millions of dollars are lost through these types of frauds. The big question is where do business owners start to try and correct this alarming problem. Some early steps that can be taken, include more complete checks of potential employees. Background checks are often not done even though this cost is low compared to the loss of internal theft.


Code Of Conduct employee theft

Many companies and organizations are now insisting that once hired an employee needs to read and understand and sign a code of conduct form. This should be followed up with clear communication about expectations.


Internal controls

Systems and internal controls definitely need to be monitored. Only effective when controlling who has access to data, along with access to phone systems and vaults. Also, it is paramount that a “zero-tolerance policy” be clearly communicated as part of the prevention strategies imposed by the company.


Whistle-Blowing Hotlines

This is another way to effectively let every employee know that there is another pair of eyes and ears to help reduce the risk of fraud in your workplace. This falls into several categories including, embezzlement, corruption, and fraudulent documents. These hotlines are becoming more popular in a lot of big businesses. Don’t forget “National Crimestoppers Associations”.


Crime Stoppers Associations | Canada and USA

http://www.canadiancrimestoppers.org/home

http://www.crimestoppersusa.org/home


Workplace Fraud | The value Of Prevention

Security analysts and certified general accountants associations will tell you that each company, no matter the size, should view prevention, detection, and action taken as an investment instead of a cost. Anything that helps you recover some of the potential loss… is not an expense but rather an investment for your business.


Be Aware | Everyone Is A target.

An ounce of prevention is worth a pound of cure..



Thank you for stopping by….

Marcel… Link To My Profile

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Copyright © 2016 – 2020 | attitude-income.com | All rights reserved

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An Obituary | Absolutely Brilliant

An Obituary | Absolutely Brilliant

COMMON SENSE

Today we mourn the passing of a beloved old friend, Common Sense, who has been with us for many years.
No one knows for sure how old he was, since his birth records were long ago lost in bureaucratic red tape.
He will be remembered as having cultivated such valuable lessons as:

  • Knowing when to come in out of the rain;
  • Why the early bird gets the worm;
  • Life isn’t always fair; and maybe it was my fault.
An Obituary ….Absolutely Brilliant

Common Sense lived by simple, sound financial policies (don’t spend more than you can earn) and reliable strategies (adults, not children, are in charge).

His health began to deteriorate rapidly when well-intentioned but overbearing regulations were set in place. Teens suspended from school for using mouthwash after lunch; and a teacher fired for reprimanding an unruly student, only worsened his condition.

Common Sense lost ground when parents attacked teachers for doing the job they themselves has failed to do in disciplining their unruly children.

Common Sense declined even further when schools were required to get parental consent to administer sun lotion or an aspirin to a student; but could not inform parents when a student became a drug addict.

Common Sense lost the will to live as the churches became businesses; and criminals received better treatment than their victims.

Common Sense took a beating when you couldn’t defend yourself from a burglar, in your own home, and the burglar could sue you for assault.

Common Sense finally gave up the will to live, after a woman failed to realize that a steaming cup of coffee was hot. She spilled a little in her lap, and was promptly awarded a huge settlement.

Common Sense was preceded in death, by his parents, Truth and Trust, by his wife, Discretion by his daughter, Responsibility, and his son, Reason.

He is survived by his 4 stepbrothers;

  • I Know My Rights
  • I want It Now
  • Someone Else Is To Blame
  • I’m A Victim.

NOT MANY attended his funeral because so few realized he was gone.

  • if you still remember him, pass this on.
  • If not, join the majority and do nothing.

An Obituary   ….Common Sense

~ Russell Birtwistle ~

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Safety Against Scams, How to Avoid Online Scams


SAFETY AGAINST SCAMS | HOW TO AVOID ONLINE SCAMS

Child Safety Kit Scams | Beware Stay Alert

Every once in awhile the Child safety kit scams shows up in different communities. That is usually only for you to meet with them so they can sell you a fraudulent insurance policy. Your local Police department showed be contacted so they are aware this is going on. Also, many Police departments put child safety seminars on and sometimes provide identification kits for the parents to keep at home and only use in case a child should go missing. Great help to investigators.

 Stay Alert | The best security you can offer your family.

Most people know to keep their doors secure and locked, even when you are at home. Protecting your money and valuables is always a challenge in this day an age. Fraud Prevention is the goal of every law enforcement agency.

STAY ALERT | How to avoid being a Victim.


SAFETY AGAINST SCAMS

Teach yourself to know what is going on in your local and surrounding areas of where you live and work. National and local news media, including newspapers,  are constantly reporting different types of crimes occurring on a daily basis. Scams are #1 in many areas.


Lucrative Business

The BBB ( Better Business Bureau ) of Canada has all kinds of information available to the general public. Check it out in your local or country where you are from. These days you are not safe even in your own home. Scammers are able to reach you through social media, phones, computers, and mail.


Reporting Statistics

Unfortunately, many victims are scared or to embarrassed to report that they have been a target of a scam, which is a serious crime. Only about 5% of the money lost through scams or frauds is actually reported. This is one place where family members can help. Be aware and keep in contact with friends and family members especially seniors or those who are medically handicapped.


Types Of Scams

The most harmful scams in terms of financial loss involve phony online romances, which costs victims millions of dollars every year. in some cases, many victims have had to declare bankruptcy. Remember scams can target people of any age. The most vulnerable are seniors. They usually are at home during the day to answer the phone or the door. In addition to that seniors tend to be more trusting and may not have family nearby to ask for advice.


Identity Theft

This is another way that criminals can get access to your money. The CAFC, Canadian Anti-Fraud Centre, is one place to check for ideas on how to protect yourself and your family. remember that there are a variety of successful frauds going around. High-tech thieves have a number of ways to obtain your personal information. Be Aware and don’t make it easy for you to be their next target.


Knowledge

Pay attention to what is going on in the fraud and scam world. Communicate with your families and friends. Most of all,  if you become a victim or know someone who is, please make sure to notify your local law enforcement agency. they also need help from citizens to try and solve these serious crimes.  Keep notes of what you know so you’re prepared to assist during the investigation.


Common Sense

At the beginning I mentioned, How to avoid being a victim. Your knowledge and attitude will play a big part your security. With the thought in mind, I trust that you will share your knowledge any way you know-how.


Good Practice

It is a great idea to make photocopies of all your important documents in case you should be the victim of theft or loss of your purse or wallet. That way you would know which bank to contact or which documents you need to replace. That goes for passports as well. keep in safe place.


Peace be With You as you navigate our complex world.


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The Woman and the fork

The Woman and the fork

There was a young woman who had been diagnosed with a terminal illness and had been given three months to live. So as she was getting her things ‘in order’, she contacted her Pastor and had him come to her house to discuss certain aspects of her final wishes.

She told him which songs she wanted sung at the service, what scriptures she would like read, and what outfit she wanted to be buried in. Everything was in order and the Pastor was preparing to leave when the young woman suddenly remembered something very important to her. ‘There’s one more thing,’ she said excitedly.
‘What’s that?’ came the Pastor’s reply.
‘This is very important,’ the young woman continued.

‘I want to be buried with a fork in my right hand.’
The Pastor stood looking at the young woman, not knowing quite what to say.
‘That surprises you, doesn’t it?’ the young woman asked.

‘Well, to be honest, I’m puzzled by the request,’ said the Pastor.
The young woman explained. ‘My grandmother once told me this story, and from that time on I have always tried to pass along its message to those I love and those who are in need of encouragement. In all my years of attending socials and dinners, I always remember that when the dishes of the main course were being cleared, someone would inevitably lean over and say, ‘Keep your fork.’ It was my favorite part because I knew that something better was coming…like velvety chocolate cake or deep-dish apple pie. Something wonderful, and with substance!’

So, I just want people to see me there in that casket with a fork in my hand and I want them to wonder ‘What’s with the fork?’ Then I want you to tell them: ‘Keep your fork ..the best is yet to come.’ The Pastor’s eyes welled up with tears of joy as he hugged the young woman good-bye. He knew this would be one of the last times he would see her before her death. But he also knew that the young woman had a better grasp of heaven than he did. She had a better grasp of what heaven would be like than many people twice her age, with twice as much experience and knowledge. She KNEW that something better was coming.

At the funeral people were walking by the young woman’s casket and they saw the cloak she was wearing and the fork placed in her right hand. Over and over, the Pastor heard the question, ‘What’s with the fork?’ And over and over he smiled.

During his message, the Pastor told the people of the conversation he had with the young woman shortly before she died. He also told them about the fork and about what it symbolized to her. He told the people how he could not stop thinking about the fork and told them that they probably would not be able to stop thinking about it either. ~anon~
He was right. So the next time you reach down for your fork let it remind you, ever so gently, that the best is yet to come. Friends are a very rare jewel, indeed. They make you smile and encourage you to succeed. Cherish the time you have, and the memories you share. Being friends with someone is not an opportunity but a sweet responsibility.

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~ A simple act of caring creates an endless ripple that comes back to you ~ Author unknown