High Risk Merchant Services #high #risk #merchant #accounts


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High Risk Accounts

High Risk Merchant Accounts

Merchants are often surprised to find out their business is classified as “high risk”. A merchant with perfect credit, an A+ rating with the BBB and virtually no customer complaints can still be considered high risk. At eMerchantBroker.com we specialize in high risk merchant accounts, we can educate you about why your business may be deemed high risk, and how we can help mitigate the effects of operating a high risk business.

The High Risk Specialists

Our team of professionals each have years of experience in the electronic payments industry and have helped thousands of “hard to approve” merchants get a domestic merchant account. Our full suite of electronic payment processing solutions ensures we can help virtually any merchant accept credit cards and checks electronically.

  • Fast approvals in 24 – 48 hours.
  • No set up fees for most merchants.
  • High Risk merchants approved.
  • High volume solutions: load balancing gateways and multiple MIDS.
  • Chargeback protection chargeback prevention programs available.
  • New, IstaCheck Check Processing service, featuring immediate payments

17/10/2017

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Cyberespionage and ransomware attacks are on the increase warns the Verizon


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Cyberespionage and ransomware attacks are on the increase warns the Verizon 2017 Data Breach Investigations Report

NEW YORK – Cyberespionage is now the most common type of attack seen in manufacturing, the public sector and now education, warns the Verizon 2017 Data Breach Investigations Report. Much of this is due to the high proliferation of propriety research, prototypes and confidential personal data, which are hot-ticket items for cybercriminals. Nearly 2,000 breaches were analyzed in this year’s report and more than 300 were espionage-related, many of which started life as phishing emails.

In addition, organized criminal groups escalated their use of ransomware to extort money from victims: this year’s report sees a 50 percent increase in ransomware attacks compared to last year. Despite this increase and the related media coverage surrounding the use of ransomware, many organizations still rely on out-of-date security solutions and aren’t investing in security precautions. In essence, they’re opting to pay a ransom demand rather than to invest in security services that could mitigate against a cyberattack.

“Insights provided in the DBIR are leveling the cybersecurity playing field,” said George Fischer, president of Verizon Enterprise Solutions. “Our data is giving governments and organizations the information they need to anticipate cyberattacks and more effectively mitigate cyber-risk. By analyzing data from our own security team and that of other leading security practitioners from around the world, we’re able to offer valuable intelligence that can be used to transform an organization’s risk profile.”

This year’s DBIR – the keystone report’s 10 th anniversary edition – combines up-to-date analysis of the biggest issues in cybersecurity with key industry-specific insights, putting security squarely on the business agenda. Major findings include:

  • Malware is big business. Fifty-one (51) percent of data breaches analyzed involved malware. Ransomware rose to the fifth most common specific malware variety. Ransomware – using technology to extort money from victims – saw a 50 percent increase from last year’s report, and a huge jump from the 2014 DBIR where it ranked 22 in the types of malware used.
  • Phishing is still a go-to technique. In the 2016 DBIR, Verizon flagged the growing use of phishing techniques linked to software installation on a user’s device. In this year’s report, 95 percent of phishing attacks follow this process. Forty-three percent of data breaches utilized phishing, and the method is used in both cyber-espionage and financially motivated attacks.
  • Pretexting is on the rise. Pretexting is another tactic on the increase, and the 2017 DBIR showed that it is predominantly targeted at financial department employees – the ones who hold the keys to money transfers. Email was the top communication vector, accounting for 88 percent of financial pretexting incidents, with phone communications in second place with just under 10 percent.
  • Smaller organizations are also a target: Sixty-one (61) percent of victims analyzed were businesses with fewer than 1,000 employees.

“Cyber-attacks targeting the human factor are still a major issue,” says Bryan Sartin, executive director, Global Security Services, Verizon Enterprise Solutions. “Cybercriminals concentrate on four key drivers of human behavior to encourage individuals to disclose information: eagerness, distraction, curiosity and uncertainty. And as our report shows, it is working, with a significant increase in both phishing and pretexting this year.”

Business sector insights give real-life customer intelligence

This year’s report provides tailored insights for key business sectors, revealing specific challenges faced by different verticals, and also answering the “who? what? why? and how?” for each. Key sector-specific findings include:

  • The top three industries for data breaches are financial services (24 percent); healthcare (15 percent) and the public sector (12 percent).
  • Companies in the manufacturing industry are the most common targets for email-based malware.
  • Sixty-eight (68) percent of healthcare threat actors are internal to the organization.

“The cybercrime data for each industry varies dramatically,” comments Sartin. “It is only by understanding the fundamental workings of each vertical that you can appreciate the cybersecurity challenges they face and recommend appropriate actions.”

The most authoritative data-driven cybersecurity report around

Now in its tenth year, the “Verizon 2017 Data Breach Investigations Report ” leverages the collective data from 65 organizations across the world. This year’s report includes analysis on 42,068 incidents and 1,935 breaches from 84 countries. The DBIR series continues to be the most data-driven security publication with the largest amount of data sources combining towards a common goal – slicing through the fear, uncertainty and doubt around cybercrime.

“We started the DBIR series with one main contributor – ourselves,” comments Sartin. “Our vision is to unite industries with the end goal of confronting cybercrime head-on– and we are achieving this. The success of the DBIR series is thanks to our contributors who support us year after year. Together we have broken down the barriers that used to surround cybercrime – developing trust and credibility. No organisation has to stand in silence against cybercrime – the knowledge is out there to be shared.”

Get the basics in place

With 81 percent of hacking-related breaches leveraging either stolen passwords and/or weak or guessable passwords, getting the basics right is as important as ever before. Some recommendations for organizations and individuals alike include:

  1. Stay vigilant – log files and change management systems can give you early warning of a breach.
  2. Make people your first line of defense – train staff to spot the warning signs.
  3. Keep data on a “need to know” basis – only employees that need access to systems to do their jobs should have it.
  4. Patch promptly – this could guard against many attacks.
  5. Encrypt sensitive data – make your data next to useless if it is stolen.
  6. Use two-factor authentication – this can limit the damage that can be done with lost or stolen credentials.
  7. Don’t forget physical security – not all data theft happens online.

“Our report demonstrates that there is no such thing as an impenetrable system, but doing the basics well makes a real difference. Often, even a basic defense will deter cybercriminals who will move on to look for an easier target,” concludes Sartin.

Verizon delivers unparalleled managed security services

Verizon is a leader in delivering global managed security solutions to enterprises in the financial services, retail, government, technology, healthcare, manufacturing, and energy and transportation sectors. Verizon combines powerful intelligence and analytics with an expansive breadth of professional and managed services, including customizable advanced security operations and managed threat protection services, next-generation commercial technology monitoring and analytics, threat intel and response service and forensics investigations and identity management. Verizon brings the strength and expert knowledge of more than 550 consultants across the globe to proactively reduce security threats and lower information risks to organizations.


10/10/2017

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Best UK Equity and Bond Funds #oeics, #unit #trusts, #fund #prices,


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Welcome to Morningstar.co.uk!

You have been redirected here from Hemscott.com as we are merging our websites to provide you with a one-stop shop for all your investment research needs.

Get Started: To search for a security, type the name or ticker in the search box at the top of the page and select from the dropdown results.

Registered Hemscott users can log in to Morningstar using the same login details. Similarly, if you are a Hemscott Premium user, you now have a Morningstar Premium account which you can access using the same login details.

Morningstar.co.uk contains data, news and research on shares and funds, unique commentary and independent Morningstar research on a broad range of investment products, and portfolio and asset allocation tools to help make better investing decisions.

For more information:

  • Find out more about Morningstar and the website
  • Read our top tips for getting the most out of Morningstar.co.uk
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  • Check the answers to FAQs
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Welcome to Morningstar.co.uk!

You have been redirected here from Hemscott.com as we are merging our websites to provide you with a one-stop shop for all your investment research needs.

Get Started: To search for a security, type the name or ticker in the search box at the top of the page and select from the dropdown results.

Registered Hemscott users can log in to Morningstar using the same login details. Similarly, if you are a Hemscott Premium user, you now have a Morningstar Premium account which you can access using the same login details.

Morningstar.co.uk contains data, news and research on shares and funds, unique commentary and independent Morningstar research on a broad range of investment products, and portfolio and asset allocation tools to help make better investing decisions.

For more information:

  • Find out more about Morningstar and the website
  • Read our top tips for getting the most out of Morningstar.co.uk
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24/09/2017

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What are Mutual Funds #define #mutual #fund, #types #of #mutual #funds,


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What is a Mutual Fund. Types of Mutual Funds in India – Latest NAV and Market Risks

What are Mutual Funds? Define Mutual Fund / Definition of Mutual Funds ( MF ) in India

Mutual funds are in the form of Trust (usually called Asset Management Company) that manages the pool of money collected from various investors for investment in various classes of assets to achieve certain financial goals. We can say that Mutual Fund is trusts which pool the savings of large number of investors and then reinvests those funds for earning profits and then distribute the dividend among the investors. In return for such services, Asset Management Companies charge small fees. Every Mutual Fund / launches different schemes, each with a specific objective. Investors who share the same objectives invests in that particular Scheme. Each Mutual Fund Scheme is managed by a Fund Manager with the help of his team of professionals (One Fund Manage may be managing more than one scheme also).

Where does Mutual Funds usually invest their funds :

The Mutual Funds usually invest their funds in equities, bonds, debentures, call money etc. depending on the objectives and terms of scheme floated by MF. Now a days there are MF which even invest in gold or other asset classes.

What is NAV. Define NAV :

NAV means Net Asset Value. The investments made by a Mutual Fund are marked to market on daily basis. In other words, we can say that current market value of such investments is calculated on daily basis. NAV is arrived at after deducting all liabilities (except unit capital) of the fund from the realisable value of all assets and dividing by number of units outstanding. Therefore, NAV on a particular day reflects the realisable value that the investor will get for each unit if the scheme is liquidated on that date. This NAV keeps on changing with the changes in the market rates of equity and bond markets. Therefore, the investments in Mutual Funds is not risk free, but a good managed Fund can give you regular and higher returns than when you can get from fixed deposits of a bank etc.

WHAT ARE VARIOUS TYPES OF MUTUAL FUNDS :

A common man is so much confused about the various kinds of Mutual Funds that he is afraid of investing in these funds as he can not differentiate between various types of Mutual Funds with fancy names. Mutual Funds can be classified into various categories under the following heads:-

(A) ACCORDING TO TYPE OF INVESTMENTS :-While launching a new scheme, every Mutual Fund is supposed to declare in the prospectus the kind of instruments in which it will make investments of the funds collected under that scheme. Thus, the various kinds of Mutual Fund schemes as categorized according to the type of investments are as follows :-

(a) EQUITY FUNDS / SCHEMES

(b) DEBT FUNDS / SCHEMES (also called Income Funds)

(c ) DIVERSIFIED FUNDS / SCHEMES (Also called Balanced Funds)

(d) GILT FUNDS / SCHEMES

(e) MONEY MARKET FUNDS / SCHEMES

(f) SECTOR SPECIFIC FUNDS

B) ACCORDING TO THE TIME OF CLOSURE OF THE SCHEME :While launching new schemes, Mutual Funds also declare whether this will be an open ended scheme (i.e. there is no specific date when the scheme will be closed) or there is a closing date when finally the scheme will be wind up. Thus, according to the time of closure schemes are classified as follows :-

(a) OPEN ENDED SCHEMES

(b) CLOSE ENDED SCHEMES

Open ended funds are allowed to issue and redeem units any time during the life of the scheme, but close ended funds can not issue new units except in case of bonus or rights issue. Therefore, unit capital of open ended funds can fluctuate on daily basis (as new investors may purchase fresh units), but that is not the case for close ended schemes. In other words we can say that new investors can join the scheme by directly applying to the mutual fund at applicable net asset value related prices in case of open ended schemes but not in case of close ended schemes. In case of close ended schemes, new investors can buy the units only from secondary markets.

C) ACCORDING TO TAX INCENTIVE SCHEMES :Mutual Funds are also allowed to float some tax saving schemes. Therefore, sometimes the schemes are classified according to this also:-

(a) TAX SAVING FUNDS

(b) NOT TAX SAVING FUNDS / OTHER FUNDS

(D) ACCORDING TO THE TIME OF PAYOUT :Sometimes Mutual Fund schemes are classified according to the periodicity of the pay outs (i.e. dividend etc.). The categories are as follows :-

(a) Dividend Paying Schemes

(b) Reinvestment Schemes

The mutual fund schemes come with various combinations of the above categories. Therefore, we can have an Equity Fund which is open ended and is dividend paying plan. Before you invest, you must find out what kind of the scheme you are being asked to invest. You should choose a scheme as per your risk capacity and the regularity at which you wish to have the dividends from such schemes

How Does a Mutual Fund Scheme Different from a Portfolio Management Scheme ?

In case of Mutual Fund schemes, the funds of large number of investors is pooled to form a common investible corpus and the gains / losses are same for all the investors during that given peirod of time. On the other hand, in case of Portfolio Management Scheme, the funds of a particular investor remain identifiable and gains and losses for that portfolio are attributable to him only. Each investor’s funds are invested in a separate portfolio and there is no pooling of funds.

Are MFs suitable for Small Investors or Big investors. Why Should I Invest in a Mutual Fund when I can Invest Directly in the Same Instruments

We have already mentioned that like all other investments in equities and debts, the investments in Mutual funds also carry risk. However, investments through Mutual Funds is considered better due to the following reasons :-

(a) Your investments will be managed by professional finance managers who are in a better position to assess the risk profile of the investments;

  • (b) In case you are a small investor, then your investment cannot be spread into equity shares of various good companies due to high price of such shares. Mutual Funds are in a much better position to effectively spread your investments across various sectors and among several products available in the market. This is called risk diversification and can effectively shield the steep slide in the value of your investments.
  • Thus, we can say that Mutual funds are better options for investments as they offer regular investors a chance to diversify their portfolios, which is something they may not be able to do if they decide to make direct investments in stock market or bond market. These are particularly good for small investors who have limited funds and are not aware of the intricacies of stock markets. For example, if you want to build a diversified portfolio of 20 scrips, you would probably need Rs 2,00,000 to get started (assuming that you make minimum investment of Rs 10000 per scrip). However, you can invest in some of the diversified Mutual Fund schemes for an low as Rs.10,000/-

    What are risks by investing funds in Mutual Funds :

    We are aware that investments in stock market are risky as the value of our investments goes up or down with the change in prices of the stocks where we have invested. Therefore, the biggest risk for an investor in Mutual Funds is the market risk. However, different Schemes of Mutual Funds have different risk profile, for example, the Debt Schemes are far less risk than the equity funds. Similarly, Balance Funds are likely to be more risky than Debt Schemes, but less risky than the equity schemes.

    What is the difference between Mutual Funds and Hedge Funds :

    Hedge Funds are the investment portfolios which are aggressively managed and uses advanced investment strategies, such as leveraged, long, short and derivative positions in both domestic and international markets with a goal of generating high returns. In case of Hedged Funds, the number of investors is usually small and minimum investment required is large. Moreover, they are more risky and generally the investor is not allowed to withdraw funds before a fixed tenure.

    Some other important Terms Used in Mutual Funds


    Sale Price. It is the price you pay when you invest in a scheme and is also called Offer Price . It may include a sales load.

    Repurchase Price. – It is the price at which a Mutual Funds repurchases its units and it may include a back-end load. This is also called Bid Price.

    Redemption Price. It is the price at which open-ended schemes repurchase their units and close-ended schemes redeem their units on maturity. Such prices are NAV related.

    Sales Load / Front End Load. It is a charge collected by a scheme when it sells the units. Also called, �Front-end� load. Schemes which do not charge a load at the time of entry are called �No Load� schemes.

    Repurchase / �Back-end� Load. It is a charge collected by a Mufual Funds when it buys back / Repurchases the units from the unit holders.

    You can give your feedback / comments about this Article. Please give only relevant comments as irrelevant comments are waste of time for yourself and our other readers.


    06/09/2017

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  • Companies That Offer High Risk Car Insurance Quotes #cheapest #high #risk


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    Companies That Offer High-Risk Car Insurance Quotes

    If you’re a driver with a bad record or other circumstances that make you a candidate for “high risk car insurance,” you may be slapped with the label “nonstandard” when you’re getting quotes.

    Generally speaking, a nonstandard driver has at least one of the following:

    • A DUI conviction
    • Multiple accidents and/or moving violations
    • Bad credit
    • Lapsed coverage
    • Very little driving experience
    • An exotic vehicle

    Elderly drivers, immigrants who lack a U.S. driving record and those who only want minimum auto insurance coverage may also be considered high risk.

    If you’re pegged as a nonstandard driver, you won’t be able to get the best rates on car insurance, but you should still have quite a few options.

    [Tickets? You might be able to get a better deal by comparing quotes through NerdWallet’s Car Insurance Tool .]

    Nonstandard auto insurance companies

    Many major carriers will insure nonstandard drivers. In fact, Progressive started out as a high-risk insurer. Large insurance companies often operate a subsidiary intended for drivers with less-than-optimal characteristics. For example, Geico places them with Geico Casualty Co. rather than Geico General or Geico Indemnity.

    Other major insurance companies have separately branded subsidiaries that focus on the nonstandard market. Have you seen commercials promising “a great low rate you can get online” from The General? That’s the nonstandard subsidiary of American Family Insurance. Nationwide owns nonstandard insurers Titan and Victoria, and Farmers owns Bristol West.

    Nonstandard drivers can also find coverage from smaller companies, such as:

    • Access
    • Affirmative
    • Alliance United
    • Dairyland
    • Direct General
    • Gainsco
    • Infinity
    • Safe Auto
    • United Automobile

    The high-risk market is highly fragmented. No single company accounts for more than 10% of premiums, according to ratings agency A.M. Best. But it is highly concentrated geographically, with Texas, California and Florida accounting for 59% of direct nonstandard auto premiums in 2013. No other state accounted for more than 5%.

    Sometimes a driver presents such a high risk that he or she can’t qualify for even nonstandard auto insurance. These drivers can turn to state plans designed to serve as insurers of “last resort.” The insurance industry organization AIPSO has a page with links to state plans.

    Evaluating the choices

    Websites like J.D. Power and Consumer Reports offer customer satisfaction ratings for large insurers such as Geico, Progressive and Allstate, but they don’t have ratings specifically for nonstandard subsidiaries or insurers that offer high-risk car insurance quotes.

    Instead, you can turn to the Consumer Information Source from the National Association of Insurance Commissioners. It provides details on companies’ financial data, closed upheld consumer complaints and state licensing, and has links to state websites where you can check for enforcement actions and market conduct examination reports. You can also consult financial strength ratings from A.M. Best to make sure you don’t choose a company that’s at risk of going under.

    To get high-risk car insurance quotes, contact an insurance agent or go directly to company websites. If you have questions, NerdWallet’s advisor network includes insurance agents.

    Consider multiple ratings sources and compare companies’ prices before making a decision.

    Finally, keep in mind that you’re probably not going to be a nonstandard driver forever. Accidents and tickets generally stay on your record for three years, while DUI convictions usually remain on your record for up to five years. Ask your agent when you’ll be able to get car insurance quotes from the standard market again.

    You may also like


    05/09/2017

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    Elaine Carey #elaine #carey, #managing #director, #forensics, #litigation #consulting, #risk #mitigation,


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    Elaine Carey

    • Energy, Power Products
    • Mining
    • Telecom, Media Technology (TMT)

    Elaine Carey is a Managing Director at FTI Consulting and is based in Los Angeles. She is a member of the Global Risk and Investigations Practice in the Forensic and Litigation Consulting segment. Ms. Carey joined FTI Consulting in 2012 and manages complex investigative, business intelligence and risk mitigation consulting assignments undertaken by FTI Consulting globally.

    Ms. Carey has served as an advisor and problem solver to senior executives of Fortune 100 and multinational corporations and law firms for more than 20 years, overseeing clients most complex and sensitive problems around the globe involving integrity, political, security and reputational risks.

    Ms. Carey recently served as Senior Director, National Director of Investigations, and Head of the Los Angeles office of Control Risks. Ms. Carey led all investigative work in North America for Control Risks for more than 11 years including due diligence, fraud, business intelligence, FCPA compliance, anti-corruption programs, litigation support, asset-tracing, counterfeiting, supply chain issues and money laundering for corporations and law firms.

    Ms. Carey, who speaks Spanish, has extensive experience in working with multinational corporations and law firms on FCPA and anti-corruption issues globally but particularly in Latin America, primarily in Mexico, Brazil, Venezuela and Colombia. She has managed corruption and fraud investigations that often involved political and governmental corruption, cartels, and organized crime. She has led investigations which uncovered money laundering by cartels through investment firms and money laundering and supply chain infiltration through Fortune 500 corporations. She has led anti-money laundering reviews and investigations for Latin American banks and money service businesses.

    Prior to joining Control Risks, Ms. Carey was a Director with PricewaterhouseCoopers Investigations in Los Angeles. She managed a broad range of complex matters including anti-corruption investigations in Latin America, Asia and the Middle East including a major apparel sweatshop investigation in Asia, a major internal bank fraud in the Middle East and massive corruption in a Fortune 100 food manufacturer s Latin American subsidiary.

    Ms. Carey also served as Managing Director for Kroll Associates in Southern California, where she managed firm wide operations in Southern California.

    Early in her career, Ms. Carey was an investigative journalist, reporting from more than 30 countries on political, economic, business and social developments. She was both a print and radio journalist for American and British media including the Atlanta Constitution. Christian Science Monitor. The Economist. ABC Radio, The Financial Times Newsletter and UPI. Ms. Carey established an office in Moscow for Cox Newspapers in 1988.

    Ms. Carey has been interviewed frequently on issues of risk, fraud and money laundering in the national media.


    26/08/2017

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    FamilyWealthReport – Exclusive Intelligence for the family office community #family #office,family


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    Josh O’Neill, 23 June 2017

    The results of the first phase of the US Federal Reserve’s stress test are music to congressional Republicans’ ears.

    Robbie Lawther, 22 June 2017

    UBS Wealth Management has published a white paper on Millennial wealth to explore how their desire for technology how this will impact the financial services sector.

    Diane Harrison, 21 June 2017

    Best-selling novelists may hold a clue on the smart way for investment firms to pitch their ideas to wealth managers, so the author of this article argues.

    Tom Burroughes, 20 June 2017

    Wealthy families need to observe certain disciplines in using social media so that reputations are protected and nurtured. The family office firm talks to FWR about some of the issues.

    Latest News

    Market Research – June 23, 2017

    New data on the cannabis industry outlines a growth pattern that will likely blow your mind.

    Strategy – June 23, 2017

    Several large international banks have voted to replace a key inter-bank lending rate.

    New Office – June 23, 2017

    The new center is located in Union Square, Manhattan.

    New Office – June 23, 2017

    The bank has revamped one of its branches in the Golden State.

    People Moves – June 23, 2017

    Financial services giant Raymond James serves more than 3 million client accounts through 7,200 financial advisors in the United States, Canada and overseas.

    Comment and Analysis

    Philanthropy – June 7, 2017

    A regular columnist for FWR does not pull any punches in analyzing the current direction of US tax policy as it affects philanthropic giving, and gives advice to wealthy donors on how to act.

    Investment Strategies – May 22, 2017

    Whatever one thinks of the claims and counter-claims surrounding Donald Trump following his recent firing of the FBI’s head, markets have been rattled. But arguably, equities are due for a correction and there i.

    Technology – May 19, 2017

    The wealth management industry has had another ear-piercing wake-up call about cybercrime, and the author of this article lays out ideas on how to defeat the hackers.

    Technology – May 8, 2017

    Your correspondent recently attended financial technology giant Temenos’ annual conference and it threw out a range of insights of value for the global wealth industry.

    Philanthropy – April 26, 2017

    Negotiating a successful gift considers both parties� interests and finds the commonalities of intent and opportunity, argues philanthropy advisor and expert Susan Winer.

    Most Read

    More Stories

    Latest Poll


    25/08/2017

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    Judy Waterlow, Waterlow Score, Pressure Ulcer Care and Pressure Ulcer Risk


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    Pressure Ulcer Risk Assessment and Prevention

    Judy Waterlow MBE, now in her seventies, designed and researched her pressure ulcer risk assessment tool in 1985, while working as a Clinical Nurse Teacher. The tool was originally designed for use by her students.

    Judy officially retired on medical grounds in 1988, due to the increasing severity of her rheumatoid arthritis, she has continued her efforts to improve nurse education and patient care with her work for the Tissue Viability Society, serving on the Committee and organising the TVS Regional Study Days for 13 years, Challenging Arthritis, the NHS Expert Patient Programme and latterly as a Musgrove Hospital Partner. The Partners are a group of unpaid volunteers who work with hospital staff in various ways within the hospital, where their personal expertise and experience can be of value.

    This dedication to her profession both in hospital and in the community was recognised by the award of the MBE in the Queen s Birthday Honours list published on June 14th 2008.


    (Photograph by Lucy Carlier posted with the permission of The British Journal of Nursing.)

    At a glittering Awards Ceremony hosted by the British Journal of Nursing in London on 22nd March 2013 Judy was awarded a Special Award for her services to nursing. Unfortunately Judy s poor health precluded her attendance, so the award was collected by her 2 daughters Fiona and Sarah which was presented by Esther Rantzen.

    If you would like a free download of a Waterlow Card please
    Click here – Waterlow Score Card .

    Free Waterlow Score Iphone App

    If you would like a free download of a Waterlow Score Iphone App please Click here – Waterlow Score App .

    The Waterlow Manual (Revised 2005)

    If you wish to obtain a copy of Judy s Pressure Ulcer Prevention Manual there are two options to choose from:

    Hard Copy Manual

    Click here to print off an order form to send for a hard copy version of the Manual.

    The main aim of this website is to provide easy access to up to date infomation on improving – pressure care. preventing pressure ulcers. and and the importance of risk assessment. plus information on the Waterlow Scale and how to use it effectively.

    The site is primarily aimed at nurses, healthcare professionals, students, care home owners,and anywone interested in pressure ulcer care prevention.


    06/08/2017

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    High Risk Merchant Solutions #high #risk #merchant #accounts


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    Custom Solutions for High Risk

    ASAP Solutions Consulting LLC in partnership with The Steward Group LLC
    December 14, 2014

    Introduction

    Welcome to www.highrisk.solutions

    ASAP Solutions Consulting LLC partnering with The Steward Group LLC (the Company) and its affiliates provides its content on THE COMPANY website (www.highrisk.solutions) (the “Site”) subject to the following terms and conditions (the “Terms”). We may periodically change the Terms, so please check back from time to time. These Terms were last updated on December 14, 2014. By accessing and using this Site, you agree to these Terms.

    1. Copyrights

    All content and functionality on the Site, including text, graphics, logos, icons, images and the selection and arrangement thereof, is the exclusive property of the Company and is protected by United States and international copyright laws.

    2. Trademarks

    The trademarks, service marks, designs, and logos (collectively, the “Trademarks”) displayed on the Site are the registered and unregistered Trademarks of the Company and its licensors. You agree that you will not refer to or attribute any information to the Company in any public medium (e.g. press release, Web sites) for advertising or promotion purposes, or for the purpose of informing or influencing any third party and that you will not use or reproduce any Trademark of, or imply any endorsement by or relationship with the Company.

    3. Use of site content

    The Company hereby grants you a non-exclusive, non-transferable license for the term hereof to access and download, display, and print copies of the content and functionality displayed on the Site (the “Site Content”) on any single computer solely for your internal, business use, provided that you do not modify the Site Content in any way and that you retain all copyright and other proprietary notices displayed on the Site Content. You may not otherwise reproduce, modify, distribute, transmit, post, or disclose the Site Content without our prior written consent.

    4. User postings

    You acknowledge and agree that The Company shall own and have the unrestricted right to use, publish, and otherwise exploit any and all information that you post or otherwise publish on the Site in postings, survey responses, and otherwise, and you hereby waive any claims against The Company for any alleged or actual infringements of any rights of privacy or publicity, moral rights, or rights of attribution in connection with The Company’s use and publication of such submissions. You covenant that you shall not post or otherwise publish on the Site any materials that (a) are threatening, libelous, defamatory, or obscene; (b) would constitute, or that encourage conduct that would constitute, a criminal offense, give rise to civil liability, or otherwise violate law; (c) infringe the intellectual property, privacy, or other rights of any third parties; (d) contain a computer virus or other destructive element; (e) contain advertising; or (f) constitute or contain false or misleading statements. The Company does not and cannot review all information posted to the Site by users and is not responsible for such information. However, the Company reserves the right to refuse to post and the right to remove any information, in whole or in part, for any reason or for no reason.

    5. Disclaimers

    The information contained in this site is for general guidance on matters of interest only. The application and impact of laws can vary widely based on the specific facts involved. Given the changing nature of laws, rules and regulations, and the inherent hazards of electronic communication, there may be delays, omissions or inaccuracies in information contained in this site. Accordingly, the information on this site is provided with the understanding that the authors and publishers are not herein engaged in rendering professional advice and services. As such, it should not be used as a substitute for consultation with professional or other competent advisers.

    While we have made every attempt to ensure that the information contained in this site has been obtained from reliable sources, the Company is not responsible for any errors or omissions, or for the results obtained from the use of this information. All information in this site is provided “as is”, with no guarantee of completeness, accuracy, timeliness or of the results obtained from the use of this information, and without warranty of any kind, express or implied, including, but not limited to warranties of performance, merchantability and fitness for a particular purpose. In no event will The Company, its related partnerships or corporations, or the partners, agents or employees thereof be liable to you or anyone else for any decision made or action taken in reliance on the information in this Site or for any consequential, special or similar damages, even if advised of the possibility of such damages

    6. Your Consent

    By using our Sites, you consent to the collection and use of information by The Company as outlined in this Privacy Policy. If we decide to change our privacy policies and procedures, we will post those changes on this page so that you always have the opportunity to be aware of what information we collect, how we use it, and under what circumstances we may disclose it.

    7. Governing Law

    This is the entire Agreement between you and ASAP Solutions Consulting LLC relating to your use of our Service. The laws of the State of Florida, United States of America shall govern this Agreement as well as ASAP Solutions Consulting LLC’s Privacy Policy, notwithstanding any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to this Agreement or ASAP Solutions Consulting LLC’s Privacy Policy, or any subsequent agreement between you and ASAP Solutions Consulting LLC that incorporates this Agreement, other than those disputes or claims subject to Arbitration as enumerated below, shall be filed only in state or federal court located in the State of Florida and you hereby irrevocably and unconditionally consent and submit to the exclusive jurisdiction of such action.

    8. Arbitration

    Any claim or controversy arising among or between the parties hereto pertaining to the Service, or any claim or controversy arising out of or with respect to any matter contained in this Agreement, or any differences as to the interpretation or performance of any of the provisions of this Agreement, other than those wherein either party has infringed or threatened to infringe the other party’s intellectual property rights, or wherein you have violated ASAP Solutions Consulting LLC’s User Conduct Restrictions, shall be settled by arbitration in the State of Florida, and such arbitration shall be before three arbitrators of the American Arbitration Association (the “AAA”) under its then prevailing rules. Intellectual property rights, as defined herein, include patent, copyright, trademark or trade secrets. You and ASAP Solutions Consulting LLC jointly acknowledge that arbitration is not an adequate remedy at law for actual or threatened infringement of either party’s intellectual property rights or wherein the claim or controversy arises out of your violation of ASAP Solutions Consulting LLC’s User Conduct Restrictions. If either of the aforementioned potentialities occurs then it is agreed that injunctive relief or other appropriate relief may be sought. In any arbitration involving this Agreement, the arbitrators shall not make any award, which will alter, change, cancel or rescind any provision of this Agreement, and their award shall be consistent with the provisions of this Agreement. Any such arbitration must be commenced no later than one (1) year from the date such claim or controversy arose, or such claim shall be deemed to have been waived. The award of the arbitrators shall be final and binding and judgment may be entered thereon in any court of competent jurisdiction.

    9. Limitations of Liability

    In no event shall ASAP Solutions Consulting LLC or it’s partners be liable for any direct, indirect, incidental, special or consequential damages resulting from your use or inability to use the service; or for the loss of profits or damages that may result from theft, delays, omissions, interruptions, deletion of files, errors, defects, viruses, failure of performance, destruction or unauthorized access to or alteration of your transmissions, including, but not limited to, damages for loss of use, profits, data or other intangibles whether in an action in contract, tort (including but not limited to negligence); or otherwise, even if ASAP Solutions Consulting LLC has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of implied warranties or exclusion or limitation of liability for consequential or incidental damages. In such cases, the above limitation of liability may not apply to you. To that extent, ASAP Solutions Consulting LLC’s or its partners have no liability to you for all losses, damages, and causes of action.

    10. Sever-ability

    If any portion of this Agreement and of ASAP Solutions Consulting LLC’s Privacy Policy is determined by a court of competent jurisdiction to be unlawful, void, or unenforceable, that portion will be deemed severable and will not affect the validity and enforceability of any remaining provisions hereof.

    11. Entire Agreement

    This Agreement contains all of the terms and condition agreed to by you and ASAP Solutions Consulting LLC with respect your use of the Service. It supersedes all prior agreements, arrangements and communications between the parties dealing with same, whether oral or written.


    15/07/2017

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    Trade Credit Insurance Business Credit Insurance Accounts Receivable Ins – World


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    Trade Credit Insurance

    Protecting your domestic and international accounts receivables.

  • Your bottom line relies on your business transactions. Protecting these transactions from financial loss can make the difference in your company’s success.

  • International Customer Credit

    Political, financial collapse are protected with International Credit Insurance.

  • Insure Domestic Sales

    Financial credit exposure happens both abroad and at home. Keep your financial peace of mind everywhere you do business.

    What is Trade Credit Insurance?

    Trade Credit Insurance is a casualty insurance that protects your company’s Domestic and International Commercial Accounts Receivable from unexpected and catastrophic losses. These losses result from two sets of Risk Perils – Commercial Risk Events (that can cause non-payment of your A/R) and Foreign Political Risk Events (that can cause non-payment of your A/R).

    Is My Company at Risk?

    Accounts Receivable losses are driven primarily by Customer Bankruptcies and Insolvencies, which are inevitable and on the rise both in the United States and around the world. In 2005, 39,201 companies in the United States alone filed for bankruptcy protection, leaving many suppliers as general unsecured creditors in bankruptcy. This rate of business failures is up 14.2% from the 34,317 U.S.

    Customer Credit Insurance

    Of note is the Small Business Export Credit Insurance Policy and Program offered by The Export-Import Bank of the United States (Ex-Im Bank). Since its founding in 1934 as the official Export Credit Agency of our country, Ex-Im Bank has provided insurance and financing assistance to U.S. exporters, especially Small Business. Ex-Im Bank’s Small Business Export Credit Insurance Policy


    08/07/2017

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  • PIMCO Unconstrained Bond Fund (PUBAX) #pimco #unconstrained #bond #fund, #pubax, #best


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    PIMCO Unconstrained Bond Fund

    About PUBAX

    The PIMCO Unconstrained Bond fund has gone through major changes lately, with large-scale management shifts at both the fund and firm level. For a fund with a truly “go-anywhere” style, investors should watch new management closely.

    As of May 22, 2017, the fund has assets totaling almost $3.59 billion invested in 1,327.00 different holdings. Its portfolio consists primarily of fixed-income investments, ranging widely in type and credit quality. The fund can use a very wide mix of investment options, including currency, credit and interest-rate strategies.

    In January 2015, Marc Seidner took over as the fund’s lead manager alongside Dan Ivascyn, the firm’s chief investment officer, and Mohsen Fahmi. Seidner is the fund’s third manager in a year and a half, and PIMCO continues to reshuffle following the departure of former investment head Bill Gross in the fall of 2014. Morningstar notes current managers have solid pedigrees, but they have limited experience running a truly unconstrained bond fund. Also, near-term returns have not been much better than those of the broad bond market. The fund has returned 7.50 percent over the past year and 2.19 percent over the past three years.

    Morningstar says there is still uncertainty about the fund’s future, given the changes at PIMCO’s investment committee. More time is needed to see if the new managers will gain traction. The fund has returned 2.14 percent over the past five years and ((UNHANDLED FORMAT TYPE: percents, NoneType for None)) over the past decade.

    Rankings

    U.S. News evaluated 354 Nontraditional Bond Funds. Our list highlights the top-rated funds for long-term investors based on the ratings of leading fund industry researchers.

    Investment Strategy

    The fund takes a flexible approach to capturing global opportunities and managing risk. It strives to actively mitigate downside risk, provide attractive risk-adjusted returns and preserve the diversification benefits of a traditional fixed-income portfolio.

    Role in Portfolio

    Morningstar says this fund should play a “supporting” role in a portfolio.

    Management

    Marc Seidner, Dan Ivascyn and Mohsen Fahmi are now leading the fund.

    Performance

    The fund has returned 7.50 percent over the past year, 2.19 percent over the past three years, 2.14 percent over the past five years and ((UNHANDLED FORMAT TYPE: percents, NoneType for None)) over the past decade.

    Fees

    PIMCO Unconstrained Bond Fund has an expense ratio of 1.30 percent.

    Net Expense Ratio


    04/07/2017

    Posted In: NEWS

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    High Risk Auto Insurance – Cheap Car Insurance for High Risk


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    Get Cheap Car Insurance For High Risk Drivers – Fast And Easy

    You may think of getting a high risk auto insurance policy if you have been convicted for driving car under the influence of alcohol or drugs or have been issued multiple tickets for violation of traffic signals or laws. We can assist you to find companies which might provide you the coverage you need for insuring your vehicle despite being a highly risky proposition. Nevertheless, the premiums charged for such types of car covers could be a little bit higher. Click here to know few important guidelines for getting the best high risk auto insurance rates!

    Learn How To Find Affordable Car Insurance For High Risk Drivers Online Now

    Finding low cost high risk auto insurance quotes might not be that easy but still if you follow 2 crucial guidelines, your chances of locating a car cover which fits your budget will get greatly enhanced.

    • Shop around extensively – To secure a policy with a lower premium, you need to shop around in detail by getting numerous free non-obligatory proposals from multiple insurers and comparing them thoroughly.
    • Check eligibility for discounts – You could also get your car insurance premium for high risk driver lowered by determining whether you are eligible to receive any discounts offered by most of the auto insurance providers.

    5 Things to Consider to Locate Cheapest Car Insurance Quotes High Risk

    It could be possible to secure an affordable high risk auto insurance quotes online but before you start researching various options that are available at your disposal, it could be better if you take the below mentioned factors into consideration.

    • For getting the best deal, search for top rated high risk auto insurance companies that don’t mind providing you the coverage even when you have a flawed driving record. To find such insurers you just have to be diligent in your search.
    • To make sure that you have got the best policy at the cheapest premium rate, it could be vital for you to get free non-binding quotes from several different car insurance providers in the market and compare them in detail.
    • While you can locate a high risk auto insurance company which offers you car coverage with a lower premium, you also have the opportunity to get a flexible premium payment schedule as most of the specialized insurers do offer them.
    • Prior to researching your alternatives, you must have thorough understanding of SR 22 insurance as majority of the drivers confuse it to be a type of insurance. Not all companies provide SR 22s and besides, it only applies to certain situations.
    • You can’t remain a high risk forever and to that effect, it could be advisable for you to take steps for avoiding reckless driving practices. For this purpose you may think of taking a course for learning defensive driving techniques.

    Eligibility To Get A High Risk Auto Insurance

    You could obtain a cheap high risk auto insurance cover from insurers if you fall within any of the following categories of drivers:

    • Driver with a new license
    • Young or Teenaged driver
    • Elderly driver who has attained age of 70 years
    • Driver who never had car insurance cover before
    • Person with a poor or bad credit history
    • Living in an area which is considered highly risky
    • Have got frequently involved in traffic violations
    • Met with number of car accidents or collisions

    Secure Basic Car Insurance For High Risk Drivers To Protect Driving Privileges

    Drivers in the United States need to get basic liability coverage to drive vehicles legally on roads. The main purpose of prescribing a minimum liability car policy for drivers is to grant financial protection to two parties involved in accidents, for paying medical bills as well as to cover expenses incurred to property. Besides, if you are a high risk driver, who is at fault in an accident, it could be crucial for you to get basic car coverage so that your driving privileges remain protected and don’t get lost. Apply Online To Obtain The Best And The Most Affordable High Risk Driver Auto Insurance Policy!

    Why Choose Us ?

    People prefer our free specialist services online for finding instant car insurance with no deposit on account of the following reasons.

    • We provide you best quote which required no or less deposit
    • 9 out 10 clients recommend our assistance
    • Secure a monthly payment plan which best fits your budget
    • Save time and money while locating top insurance provider
    Benefits of No Deposit
    • No need to pay any huge amount of money upfront
    • Obtain a monthly payment plan for paying car insurance premium
    • Take advantage of a fast, simple and hassle free online application process
    • Compare free quotes provided by some top rated insurers in the entire industry
    • Get a no deposit car insurance quote that fits your budget Save Dollars!

    Share Us


    04/07/2017

    Posted In: NEWS

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    Aerospace Information Redefined #ascend, #aviation, #aerospace, #airline, #airports, #flight, #flying, #space,


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    Flight Ascend Consultancy, FlightGlobal’s consultancy arm, is a dedicated team of trusted aviation experts worldwide, with consultants in the Americas, Europe and Asia.

    Together we can help your organization create more effective strategies, build key relationships, achieve challenging revenue growth targets and manage future risk scenarios.

    In an uncertain world, you need confidence that your decisions are based on the best information available.

    We combine global expertise in aviation finance, business management and risk advisory to help you make informed decisions, capture new opportunities and drive your business forwards.

    Ascend the primary source for aviation information

    The world’s top investment banks and leasing companies, airlines and airports, manufacturers and insurers depend on Ascend.

    We provide quality information and expert advice to help deliver the best results for your business.

    Ascend the primary source for aviation information.

    Flight Ascend Consultancy, FlightGlobal’s consultancy arm, is a dedicated team of trusted aviation experts worldwide, with consultants in the Americas, Europe and Asia. Our independent, award-winning team are well-placed to help you understand and interpret what’s really going on in the dynamic aviation industry. Together we can help your organization create more effective strategies, build key relationships, achieve challenging revenue growth targets and manage future risk scenarios.

    Aerospace Information Independent quality data World-class proprietary aviation and space data More

    Valuations
    Appraisals Award-winning asset appraisers Authoratitive independent aviation asset assessments More

    Consultancy Solutions Global trusted advisor Insight into critical issues facing aviation today More

    The latest commentary and analysis:
    V1ewPoint Q2 2017 Issue

    This issue looks at the trends financiers and lessors need to be aware of to help them mitigate the risks 2017 brings.

    Flight Ascend Consultancy in the news

    17/06/2017

    Posted In: NEWS

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