tag:blogger.com,1999:blog-72082550232199691272024-02-07T15:08:50.515-08:00Winema Gavenagavenwihttp://www.blogger.com/profile/01108829871154793489noreply@blogger.comBlogger64125tag:blogger.com,1999:blog-7208255023219969127.post-56944029719179192412018-06-20T20:20:00.000-07:002018-06-20T20:20:21.905-07:00Bowman Offshore Bank Transfers on Emerging markets<br />
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<img alt="Asia" height="307" src="https://flagtheory.com/wp-content/uploads/2017/04/asia-1-1024x890.jpg" style="float: left;" width="353" />
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<span style="font-family: "Georgia","serif"; font-size: 12.0pt;">So in my last post I made two bold predictions on the
economy in the coming century, that emerging markets in Asia and Africa will be
the driving force of many of the changes we see in the world.<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Georgia","serif"; font-size: 12.0pt;">East Timor<o:p></o:p></span></b></div>
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<span style="font-family: "Georgia","serif"; font-size: 12.0pt;">Is a war torn nation that no one knows much
about, or has even heard of. The currency of choice here is single American
dollars. The country is extremely poor and lacks almost any infrastructure of
any kind. Will any entrepreneurs step up and make a difference in this country?
Where there are problems, there is opportunity.<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Georgia","serif"; font-size: 12.0pt;">Sri Lanka<o:p></o:p></span></b></div>
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<span style="font-family: "Georgia","serif"; font-size: 12.0pt;">I have a friend who recently raised 30 million
from the largest telecom in the country after being in the country for just 3
months. They now have the ENTIRE e-commerce marketplace to themselves. They are
quite literally; they are the only company doing e-commerce at scale in the
entire country. After a few weeks of operation, they eclipsed 101 employees
today. Their headliner is a daily deals site / group-on clone: anything.lk<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Georgia","serif"; font-size: 12.0pt;">Burma<o:p></o:p></span></b></div>
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<span style="font-family: "Georgia","serif"; font-size: 12.0pt;">I’ll report back from Myanmar next week, as I’ll
be jumping on a plane to head there shortly. For those who are interested in
visiting, the visa situation is a pain! I decided to go last minute to attend a
conference, and although I qualify for a “visa on arrival” the process is
anything but clear. You need a letter from a Burmese business with address IN
Myanmar (as well as permission from a ministry). Full details are available at
this site. It is much, much easier to arrange a visa in advance at a local
embassy. <o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Georgia","serif"; font-size: 12.0pt;">Indonesia<o:p></o:p></span></b></div>
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<span style="font-family: "Georgia","serif"; font-size: 12.0pt;">From what I’ve seen so far from Indonesia, I
enjoy this country. However, corruption at the lowest levels, as dealing with
police (or the local banjar) can be burdensome for entrepreneurs. As for most
places around the world, it’s best to enjoy your time here, follow the rules
and don’t make too much noise. Although it is one of the largest emerging
markets, if you are going to start a business here, you better have a great
understanding of the culture, a well-connected local partner and deep pockets.
I’ve written about starting a business in Bali in this post. If you are able to
start a business, you’ll find incredible local talent for an inexpensive rate.
The workforce is (by and large) more technically skilled than many other
countries in the region, and there are great developers and designers.<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Georgia","serif"; font-size: 12.0pt;">South
Korea<o:p></o:p></span></b></div>
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<span style="font-family: "Georgia","serif"; font-size: 12.0pt;">Korea is a place I don’t know much about. From
an outsiders perspective, it’s not an emerging market, it seems expensive and
difficult to penetrate as a foreigner without extensive time and effort.
Although I have Korean friends who I know and love, it doesn’t attract me from
an a macro-economic perspective and I can’t see this economy having the growth
potential of others in the region. It is very well developed, and in many ways
the polar opposite of its neighbor to the north…<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Georgia","serif"; font-size: 12.0pt;">North
Korea<o:p></o:p></span></b></div>
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<span style="font-family: "Georgia","serif"; font-size: 12.0pt;">North Korea is the last frontier of Asia –
hidden behind a communist veil, much of the society is kept in secrecy. I do
know some people who have been able to visit and do business in the country.
Believe it or not, they run a consultancy that teaches social skills. I guess
that proves that maybe there is a market in NK? Recently it came out that
Google is trying to penetrate into the economy here, and bring peace to the
people. This is an admirable goal in my mind, and displays how the free market
and private business can accomplish something that bureaucracy and governments
could never accomplish in the country – freedom, peace and profitability.<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Georgia","serif"; font-size: 12.0pt;">China<o:p></o:p></span></b></div>
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<span style="font-family: "Georgia","serif"; font-size: 12.0pt;">China is intimidating. A huge market full of
opportunities. Learn more on how to incorporate a company and do business in
China.<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Georgia","serif"; font-size: 12.0pt;">Hong Kong<o:p></o:p></span></b></div>
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<span style="font-family: "Georgia","serif"; font-size: 12.0pt;">Hong Kong is amazing, I love spending time in
this country and it is just so damn entertaining to go out for a night on the
town in this city. Hong Kong has a great culture – its not overbearing with
centuries of tradition, but its deep enough to have caught its voice and be
able to proudly proclaim: this is what it’s like to be Hongkongnese.<o:p></o:p></span></div>
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<span style="font-family: "Georgia","serif"; font-size: 12.0pt;">Hong Kong simultaneously both IS and IS NOT
China. Technically, it is a “special administrative republic” and Hong Kong
S.A.R. is an exemplar for an efficient free market economy, yet for all intents
and purposes, is subservient to the centrally controlled Mainland. Although the
quality of life, language, way of doing business, food, travel documents, and a
lot of other things are completely different – Hong Kong IS china.<o:p></o:p></span></div>
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<span style="font-family: "Georgia","serif"; font-size: 12.0pt;">The food and the people are great, the city is
so much fun, and Hong Kong is the best place to <a href="https://archive.org/details/BowmanOffshoreBankTransfersOnExpatGuideToOffshoreBankingAndMoneyTransfers">open
a bank account</a>. Scratch that, it is the 2nd best place in the world for <a href="https://www.chaino.com/bowmantransfer">banking and starting a business</a>,
right behind…<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Georgia","serif"; font-size: 12.0pt;">Singapore<o:p></o:p></span></b></div>
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<span style="font-family: "Georgia","serif"; font-size: 12.0pt;">Singapore is THE best place in the world to
start a business. I’ve written about Singapore city here and also here. I have
a deep respect for the ability of the government to spur entrepreneurship and
innovation, and raise the quality of life for a society. Living here is a joy,
and I love being here for that reason, now if I could only find some interests
outside of my work…<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Georgia","serif"; font-size: 12.0pt;">Thailand<o:p></o:p></span></b></div>
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<span style="font-family: "Georgia","serif"; font-size: 12.0pt;">I write too much about this country already. I’m
redacting my previous statements on the LOS. There is “nothing” to see in
Thailand, please move along… My advice to backpacking tourists looking to “find
themselves” and “see elephants” and “ladyboys” is to stay for a day, visit
Phuket and then get out. We never wanted you here anyway.<o:p></o:p></span></div>
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<span style="font-family: "Georgia","serif"; font-size: 12.0pt;">For those of you who want to see the real
Thailand… I recommend at least a year on the ground. Learning the language,
starting a business, getting a multiple entry visa in Thailand through a Thai
Company, and living in Bangkok city.<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Georgia","serif"; font-size: 12.0pt;">Cambodia<o:p></o:p></span></b></div>
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<span style="font-family: "Georgia","serif"; font-size: 12.0pt;">Cambodia is the future rice bowl of SE Asia.
Along with Thailand and Vietnam, this is where the bulk of food will be
produced in the 21st century. it’s also a very young society, and its
developing quickly. I’ve seen ventures fail here (premium beer, commerce) and
other succeed (citizenship by investment, property investment, fund management,
rice, micro lending) the business field is wide open. Read more about Cambodia
here. Read more about Cambodia’s Flag Theory and How to Get Cambodian
Citizenship | Frontier Investing | Private Equity<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Georgia","serif"; font-size: 12.0pt;">Vietnam<o:p></o:p></span></b></div>
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<span style="font-family: "Georgia","serif"; font-size: 12.0pt;">Vietnam has an emerging tech community. You
would not believe the talent that comes out of this country in terms of
technical ability. The currency is a dong, and the government makes it near
impossible to start a business unless you know the right people. Even the locals
have to go and stand in a room and be read a number in order to start a company
here. I spoke to a young girl that did it herself (instead of pay a company
rough $200). From the beginning, you should only pick a venture that the
government will LIKE – because if they don’t like you – bye bye. Take for
instance Facebook – which saw a countrywide ban when groups starting popping up
opposing the incumbent party. Check this article on How to set up a Vietnam LLC
for further information.<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Georgia","serif"; font-size: 12.0pt;">Philippines<o:p></o:p></span></b></div>
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<span style="font-family: "Georgia","serif"; font-size: 12.0pt;">Ahhh the Philippines. The friendliest people on
earth. Despite having one of the lowest GDP per capita, they have one of the
highest happiness ratings. The women here are very intelligent. If you want to
set up a business here, make sure you have strong females on your side, and
great government connections. They are open to foreigners doing business, but
all of the guys I know here that have had success know when to show their
palms, and when to show their teeth. REAL power rules.<o:p></o:p></span></div>
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<span style="font-family: "Georgia","serif"; font-size: 12.0pt;">If you are interested in setting up a company in
the Philippines, or learning more, check out this post on why it’s more fun in
the Philippines…<o:p></o:p></span></div>
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<span style="font-family: "Georgia","serif"; font-size: 12.0pt;">There is a lot of opportunity here; partially
displayed by the fact that Google is setting up a HQ in the Philippines. As a
societal whole, you really want to root for them. They have the potential, they
could do better, and they even know it themselves (see this commentary called
“get real Philippines” or just look at the town slogans “aim high!”<o:p></o:p></span></div>
<br />agavenwihttp://www.blogger.com/profile/01108829871154793489noreply@blogger.com0tag:blogger.com,1999:blog-7208255023219969127.post-80476028865740620262018-06-05T19:48:00.001-07:002018-06-05T19:48:23.685-07:00Bowman Offshore Bank Transfers on Ten Tips on Offshore Savings<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgml-gNdqtjhQw7XPQLXQKlMYknd7wFaB08XJkmSxzaN_ff2sFzrym0bBFuVuPLQ7Z-Y4SSlxEWP_BAZ7xrWenk-Mg6tfUq7OZEFQMV0xotHNI9RNIkqgZu2WY6og1yh0ggX0vZQGsJvgs/s1600/Bowman+Offshore+Bank+Transfers+on+Ten+Tips+on+Offshore+Savings.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="355" data-original-width="844" height="167" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgml-gNdqtjhQw7XPQLXQKlMYknd7wFaB08XJkmSxzaN_ff2sFzrym0bBFuVuPLQ7Z-Y4SSlxEWP_BAZ7xrWenk-Mg6tfUq7OZEFQMV0xotHNI9RNIkqgZu2WY6og1yh0ggX0vZQGsJvgs/s400/Bowman+Offshore+Bank+Transfers+on+Ten+Tips+on+Offshore+Savings.JPG" width="400" /></a></div>
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Here’s a <a href="http://jomwatsonn.strikingly.com/blog/bowman-offshore-bank-transfers-on-ten-tips-on-offshore-savings">guide through the world of offshore savings</a> and a recommended approach to protecting your nest-egg against inflation. </div>
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<b>1. Protect against inflation</b> – The real return savers actually make from interest rates is the actual profit you are left with after taking the effects of the currency’s inflation into account. Inflation is the rise in prices for goods and services over a period of time – usually calculated annually. When weighing up a rate offer, deduct the known inflation percentage to find out how much you’ll actually end up. Advisers also tell savers to include the impact of tax when estimating a potential profit to ensure an accurate projection of likely returns. </div>
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<b>2. Protect against bankruptcy</b> – Following a period of intense merger activity within the offshore savings sector, all savers should check that their accounts are not spread amongst deposit-takers owned by the same parent institution. If so, only a portion of your overall savings nest-egg may qualify for compensation if a deposit-taker goes to the wall. </div>
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<b>3. Protect against lack of compensation rights</b> – We’ve seen the collapse of two Icelandic banks in offshore Britain (Landsbanki Guernsey and Kaupthing Singer & Friedlander Isle of Man) so we know the worst does happen to some savers. It is essential to always interrogate a jurisdiction’s financial compensation scheme before putting a penny of your hard-earned cash with any of its financial institutions. </div>
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<b>4. Protect against ID fraud</b> – It is imperative you comply with identity protection procedures initiated by your deposit-taker. Your part of the bargain in the fight against fraud is never reveal passwords and security codes to anyone. If savings accounts are managed online, never leave a computer screen bearing the details. Do not fall victim to an email scam asking you to re-register your personal details. Real financial institutions would never compromise their customers in this way. </div>
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<b>5. Protect against adverse terms and conditions</b> – Always read the small print of any terms and conditions when opening an account. Look out for penalties in the form of loss of interest against withdrawals made outside the notice terms and ways in which you could miss out on introductory, or loyalty bonuses. </div>
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<b>6. Profit by comparisons</b> – it pays to research the rates paid by deposit-takers. Be sure to compare like with like and don’t be taken in by a new rate offer that is well above the market average. Those tempting percentages could be slashed once savers have been caught in the net. </div>
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<b>7. Profit from a competitive market</b> – Today’s market is more competitive than ever. To put it bluntly, financial companies want savers more than they do borrowers. Select a handful of consistent top league payers and do your research to find out which one really wants to reward your customer loyalty. </div>
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<b>8. Profit by tracking market movements</b> – Rates paid are still pegged to a currency’s base rate set by central banks. If you saving in sterling, euros and US dollars, make sure you stay abreast of these currencies’ base rates to gauge the rate offers on your accounts. </div>
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<b>9. Profit by locking away for longer</b> – Recent economic conditions aside, the best paying accounts are those that lock savers into a fixed term – we’re talking a couple of percentage points’ difference. Calculate how long you can manage without accessing your savings pot and match that period with a provider’s best fixed term offer. </div>
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<b>10. Profit by saving regularly</b> – Get the best from regular savings with products that encourage and reward such good habits.</div>
agavenwihttp://www.blogger.com/profile/01108829871154793489noreply@blogger.com0tag:blogger.com,1999:blog-7208255023219969127.post-2511679402420250562018-05-14T22:18:00.002-07:002018-05-14T22:19:44.968-07:00Bowman Offshore Bank Transfers on Tips for Offshore Company Formation<div style="text-align: center;">
<img alt="offshore company formation uk" class="attachment-consulting-image-1110x550-croped size-consulting-image-1110x550-croped wp-post-image" data-attachment-id="3120" data-comments-opened="1" data-image-description="<p> “ Raag InfoTech has strong associations with long- experienced and established global advisers offering us the capability setting up off-shore registration for companies in various jurisdictions that are secure. “</p>
" data-image-meta="{"aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"0"}" data-image-title="Offshore Company Formation" data-large-file="https://i0.wp.com/raagit.co.uk/wp-content/uploads/2017/08/raagit.jpg?fit=1024%2C682&ssl=1" data-medium-file="https://i0.wp.com/raagit.co.uk/wp-content/uploads/2017/08/raagit.jpg?fit=300%2C200&ssl=1" data-orig-file="https://i1.wp.com/raagit.co.uk/wp-content/uploads/2017/08/raagit.jpg?fit=1920%2C1279&ssl=1" data-orig-size="1920,1279" data-permalink="https://raagit.co.uk/tips-for-offshore-company-formation/raagit/" height="198" src="https://i2.wp.com/raagit.co.uk/wp-content/uploads/2017/08/raagit.jpg?resize=1110%2C550&ssl=1" width="400" /></div>
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There is a common misconception that having an offshore company means that you are doing something illegal. The truth is that having an offshore company can benefit your business in a number of very legal ways. If you are looking at offshore company formation, there are a number of tips that you need to know about. These tips will ensure that the offshore company formation process works for you. </div>
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<b><b>Have a List of Questions </b></b></div>
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The first tip that you need to know about is to have a list of questions ready which are related to your business. These questions should include why an <a href="https://www.polarsteps.com/reihmclaine16/635738-bowman-offshore-bank-transfers">offshore company</a> will work for your business. You should also consider who will be involved with the business and what your business exit strategy will be if something were to go wrong. Any question that you have about forming an offshore company should be put on the list and you need to have this with you when you visit an advisor. </div>
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<span style="font-weight: bold;">Choosing the Right Advisor </span></div>
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DIY offshore company formation is not recommended because there is a lot of knowledge that you will not have. This is why you will need to choose the right advisor to help you start your offshore company. The advisor will need to have extensive knowledge about different offshore locations and how you would form a company in these locations. </div>
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When you meet with the advisor, you will need to find out about their experience and training. You should also ask them the questions on the list that you have. If they are able to adequately answer all of the questions, you should consider working with them. </div>
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<b><b>Choosing the Right Jurisdiction </b></b></div>
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One of the most important aspects of offshore company formation is choosing the right jurisdiction. Not all jurisdictions will work for your company and it is important to know this. You should look for a jurisdiction that has a good and long-standing reputation as well as being a stable country. The company tax of the jurisdiction should also be looked at. There are some popular jurisdictions such as Hong Kong and Belize, but you should ask your advisor for more information. </div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
When looking at jurisdictions, you should also consider the other laws that govern the country. There are some countries that have stricter regulations for certain types of businesses and you need to know about this. You need to stay within the legal framework of the jurisdiction so knowing what this framework is will be important. </div>
<div style="text-align: justify;">
<br /></div>
<b></b><br />
<div style="text-align: justify;">
<b><b>Know the Costs </b></b></div>
<b>
</b><br />
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
There are many services that can <a href="https://www.smallteaser.com/@michaelrummel/bowman-offshore-bank-transfers-ten-thing">help you form an offshore company</a>, but not all of them will have their costs on their website. This is why you need to discuss the costs of using the service early to determine if the company is within your budget. The costs will typically include setup fees as well as the annual renewal fees. </div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Offshore company formation is not something that you should do yourself. However, there is a lot of research that you should do before you contact and advisor or choose a jurisdiction.</div>
agavenwihttp://www.blogger.com/profile/01108829871154793489noreply@blogger.com0tag:blogger.com,1999:blog-7208255023219969127.post-14947136617773934172018-04-25T00:17:00.001-07:002018-04-25T00:17:45.272-07:00Bowman Offshore Bank Transfers: Ten Things to Know About Offshore Bank Accounts<div class="separator" style="clear: both; text-align: center;">
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<span style="font-family: "Georgia","serif";"> </span><span style="font-family: Georgia, serif; font-size: 10pt;">If you are a U.S.
citizen or resident and maintain an undisclosed foreign bank account, beware.
As numerous prosecutions trumpeted by the IRS make clear, the stakes have never
been higher and the potential liabilities can be staggering. Why worry?</span></div>
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<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt;">The vaunted secrecy of
Swiss and other tax havens turns out not to be so secret after all. They've
already named names to the IRS and more are on the way. Although the UBS case was
most publicized, HSBC, Credit Suisse, and many other banks are in the mix now,
as are many foreign countries besides Switzerland. So putting your head in the
sand won't work in the long term.<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt;">The IRS had a special
"Voluntary Disclosure Program" to bring violators into the fold, but
the cutoff for participating in it was Oct. 15, 2009. If you are in that
program, you are probably still slogging through filings and disclosures to the
IRS. But if you missed that deadline--and many thousands did--beware. Sooner or
later you'll have to address this problem one way or another.<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt;">Here's what you need
to know:<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<b><span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt;">1. You Must Report Worldwide Income <o:p></o:p></span></b></div>
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<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt;">You must report your
worldwide income on your U.S. income tax return. Plus, you must check
"yes" (on Schedule B) if you have an interest in a foreign bank or
financial account. Worldwide income means everything, including interest,
foreign earnings, wages, dividends and other income. Even if the foreign income
is taxed somewhere else, you still must report it to the IRS. You might be
entitled to a foreign tax credit, or if you are living and working abroad, you
may be entitled to an exclusion from U.S. tax for some or all of the income you
earn abroad. But you still must report it.<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<b><span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt;">2. Tax Return Disclosure Isn't Enough <o:p></o:p></span></b></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt;">Tax return filing
alone isn't enough. All U.S. persons with foreign bank accounts must also file
annually a Treasury Department Form, TD F 90-22.1 Report of Foreign Bank and
Financial Accounts--commonly called an FBAR. The FBAR is due each June 30 for the
preceding year. You must file an FBAR if the aggregate value of your foreign
financial accounts exceeds $10,000 at any time during the year. All your
foreign accounts are aggregated, so if you have two small accounts, say one in
Germany with $5,000, and one in England with $6,000, you need to file an FBAR.
If your foreign account balances at all times during the year total less than
the equivalent of $10,000 U.S., you do not need to check the box on your tax
return or file an FBAR, but you must still report any account earnings on your
tax return.<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<b><span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt;">3. There Are Big Tax Penalties <o:p></o:p></span></b></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt;">If you don't comply
with one or both sets of obligations the penalties are severe. You sign tax
returns under penalties of perjury, so if you fail to report your worldwide
income--or even fail to check the box disclosing you have a foreign account--it
can be considered tax evasion and fraud. The statute of limitations on such
criminal acts is six years. Plus, the statute of limitations never expires on
civil tax fraud, so the IRS can pursue you 10 or 20 years later for back taxes,
interest and penalties. If you failed to report income, your civil liability to
the IRS can include a 20% accuracy-related penalty or a 75% civil fraud
penalty.<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<b><span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt;">4. FBAR Penalties Are Even Bigger <o:p></o:p></span></b></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt;">The penalties for
failure to file an FBAR are even worse. Failing to file an FBAR can carry a
civil penalty of $10,000 for each non-willful violation. But if your violation
is found to be willful, the penalty is the greater of $100,000 or 50 percent of
the amount in the account for each violation--and each year you didn't file is
a separate violation.<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<b><span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt;">5. You Can Go To Jail <o:p></o:p></span></b></div>
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<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt;">Filing a false tax
return is a felony, while failing to file is only a misdemeanor--think of it as
the Wesley Snipes rule. A person convicted of tax evasion can face a prison
term of up to five years and a fine of up to $250,000. Filing a false return
can mean up to three years in prison and a fine of up to $250,000. A person who
fails to file a tax return can face up to one year of prison and a fine of up
to $100,000. Failing to file FBARs can be criminal too, and the penalties are
even more severe. The monetary penalties can be up to $500,000 and the
potential prison term is up to ten years.<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<b><span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt;">6. Voluntary Disclosure Is Still an Option <o:p></o:p></span></b></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt;">If you admit your
failures to the IRS and say you want to make it right, you've made a
"voluntary disclosure." Don't confuse this with the "Voluntary
Disclosure Program," which had an Oct. 15, 2009 deadline. It is too late
for that prepackaged program, but it's not too late to make an individual
"voluntary disclosure." A voluntary disclosure must be truthful,
timely and complete. You must: cooperate with the IRS in determining your
correct tax liability; and make good faith arrangements with the IRS to pay the
tax, interest and penalties determined by the IRS.<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt;">While a voluntary
disclosure does not guarantee immunity from prosecution, the government
generally will not prosecute you if you come forward voluntarily before you're
under investigation. (If the IRS is already investigating you, all bets are
off.) Note, however, that in publicizing the IRS Voluntary Disclosure Program
in 2009, the IRS made clear it would show no mercy to those with undisclosed </span><a href="http://www.writeupcafe.com/blog/21-business/150538-bowman-offshore-bank-transfers-ten-things-to-know-about-offshore-bank-accounts"><span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt;">offshore
accounts</span></a><span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt;"> who didn't turn themselves in by the Oct. 15,
2009 deadline. For that reason, some tax lawyers fear that the traditional
advantage of a voluntary disclosure--no criminal prosecution--is less certain.<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt;">Stepping forward
should be done through a tax lawyer to the IRS Criminal Investigation Division.
Usually the case will be referred to the civil branch of the IRS where all the
filings, amending and penalty calculations are done. You then must file amended
income tax returns for past years and delinquent FBARs. There's no bright line
for how far back you'll have to go, as situations vary. However, the Oct. 15,
2009 program required six years of amended tax returns and FBARs, so that's a
good benchmark. The total cost of making a voluntary disclosure is also hard to
assess, but it can be more than the amount in your foreign account.<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<b><span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt;">7. "Quiet Disclosure" Is Also an Option<o:p></o:p></span></b></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt;">Some practitioners
consider a voluntary disclosure "noisy," since it involves going to
the IRS Criminal Investigation Division. A "quiet" disclosure
involves a correction of past problems without drawing attention to what you
are doing and without going to the IRS Criminal Investigation Division. If you
amend all past tax returns to report all income, check the box on Schedule B,
and file all past due FBARs, haven't you (quietly) fixed everything? Arguably,
yes. You would send in all the money you owe or wait to be billed. If you have been
paying foreign taxes on your foreign earnings, your foreign tax credits could
even net out the U.S. tax, so you might not owe back taxes.<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt;">If you reported and
paid tax on all your income but did not file FBARs, you should attach a
statement explaining why they were late. Perhaps you had never heard of FBARs
or were told by your accountant you were in full compliance. You can avoid
penalties if you had "reasonable cause" for not filing FBARs, but the
grounds for waiving penalties aren't terribly clear.<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<b><span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt;">8. Inconsistency Will Hurt You <o:p></o:p></span></b></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt;">Can you amend your tax
returns, reporting your worldwide income and checking the foreign account box,
but not bother filing delinquent FBARs? By checking the tax return box
acknowledging your foreign account, you are admitting you have an FBAR filing
obligation. So not also filing the delinquent FBARs seems risky.<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt;">Even though FBAR
penalties are big, there have been some indications the IRS may not be pushing
them too hard. If you don't file a pile of old FBARs, perhaps it won't be
obvious you didn't file in the past? A tax lawyer cannot recommend this, but
some clients are probably choosing not to file old FBARs. <o:p></o:p></span></div>
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<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<b><span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt;">9. Prospective Compliance Only Is Risky<o:p></o:p></span></b></div>
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<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt;">Can you start filing
complete tax returns and FBARs prospectively, but not try to fix the past? Some
people think the IRS is so overwhelmed with FBARs and tax returns that you
might be OK, but the risks are enormous and I cannot recommend it. The IRS may
ask about the lack of prior FBARs and of prior tax returns disclosing a foreign
account. If they ask questions, you should respond through your attorney and
you can't lie.<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<b><span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt;">10. Keeping Money Offshore Is Still Legal<o:p></o:p></span></b></div>
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<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt;">Should you close all
your foreign accounts and bring your money home? You are entitled to have money
and investments anywhere in the world as long as you disclose your foreign
accounts. If you are considering not trying to clean up your past tax returns
and FBARs, you may be tempted to close your foreign account. However, closing
your foreign account doesn't relieve you of the obligation to file accurate tax
returns and FBARs. Tying off the problem prospectively may make sense, but can
make your lack of compliance even worse if your actions are viewed as efforts
to conceal your previous offshore activities. For that reason, don't take any
of these steps without professional advice.<o:p></o:p></span></div>
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<br /></div>
<br />
<div class="MsoNoSpacing" style="text-align: justify;">
<span style="font-family: "Georgia","serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt;">There's widespread
confusion and noncompliance involving foreign bank accounts and the situation
is unlikely to get better. Get some professional advice and try to get your
situation resolved.<o:p></o:p></span></div>
agavenwihttp://www.blogger.com/profile/01108829871154793489noreply@blogger.com0tag:blogger.com,1999:blog-7208255023219969127.post-15095197627756584922018-04-09T18:22:00.002-07:002018-04-09T18:22:55.785-07:00 Bowman Offshore Bank Transfers on Offshore transfers<div style="text-align: justify;">
A non-UK domiciled but resident client has used the remittance basis since 2008/09 and made an election under TCGA 1992, s 16ZA. Remittances have been made to the UK from a mixed offshore fund.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
My non-UK domiciled client has used the remittance basis since 2008/09 and made an election under TCGA 1992, s 16ZA. He remitted a significant amount of funds to the UK in 2011/12 from a “mixed fund” foreign bank account (one of several).</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
The deposits have been analyzed between (broadly) income, gains and clean capital for every year. However, my queries concern the treatment of withdrawals that are not remittances to the UK or transfers to other foreign bank accounts.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
First, it would appear that income, gains and capital of the fund should not be allocated to the alienation of funds used for personal foreign expenditure (e.g. payment of a foreign electricity bill). Is this correct? Such items would, of course, deplete the bank account without any unremitted funds being matched.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Second, $20,000 was withdrawn in 2009/10 to acquire some foreign shares that were sold at a $5,000 loss in 2010/11 (the $15,000 proceeds being deposited in the same bank account).</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
I have treated the withdrawal as an “<a href="https://www.taxation.co.uk/Articles/2013/05/29/308261/offshore-transfers">offshore transfer</a>” thereby preserving the source of the $20,000 under the anti-avoidance rules (ITA 2007, s 809R (4)). I am also aware of the requirement to trace foreign income and gains through a series of transactions (see HMRC’s manuals at RDRM35030) that prevent, for example, reinvested income being converted into gains.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
My question is how the $15,000 receipt should be analyzed if the source of the original acquisition was $8,000 income, $3,000 gains and $9,000 capital. Is $8,000 income deemed to be deposited first, followed by $3,000 gains and finally $4,000 capital?</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
I cannot find a rule governing the order of priority. If the loss was large enough, some unremitted income could be “lost”, potentially giving double relief for the capital loss (reduction of unremitted income and the capital loss). Surely this cannot be right?</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Could any readers shed light on this?</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<b>Reply from Nick Harvey, Dixon Wilson</b></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
The use of funds that are held overseas and used for personal foreign expenditure is treated as an offshore transfer on the basis that they are not onshore transfers because any transfer that does not fall within ITA 2007, s 809Q is automatically within ITA 2007, s 809R(5).</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
This is subject to the anti-avoidance rule in s 809R (6), which states that the funds transferred should not fall within s 809Q before the end of the tax year and, on the basis of the best estimate that can reasonably be made at that time, s 809Q will not apply in relation to them (ie that the funds subject to the offshore transfer are not subsequently remitted to the UK and there is no expectation that they will be in future).</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Clearly, if the money has been spent on a foreign electricity bill, there is no such prospect and, as such, the personal foreign expenditure will result in a proportional reduction of the unremitted foreign income, capital gains and clean capital in the account.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
With regard to Dollared’s second query, accounting for the original investment as an offshore transfer appears to be the correct approach. The problem, as Dollared states, is in interpreting the derivation principle where an investment containing the unremitted income and gains is sold at a loss.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
HMRC’s Residence, Domicile and Remittance Basis Manual at RDRM35030 does address a similar scenario where £25,000 of unremitted income is used to purchase a car which is subsequently brought to the UK at a time when the car is worth just £14,000.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
In this case, HMRC state that they would treat the original £25,000 income as remitted. Unfortunately, the manuals do not cover the position if the car was sold abroad and the £14,000 was remitted to the UK.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
One would hope that a purposive approach enables one to limit the income and gains remitted to the amount of funds received in the UK. Any other approach would make it impossible, in many scenarios, to disclose remittances on a “worst case scenario” basis.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
For example, a remittance of £100 from a mixed fund which has been in existence for decades should be accepted by HMRC as a remittance of £100 income if the taxpayer does not wish to pay for the professional costs of analyzing the funds passing through the account since inception.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
However, if the derivation principle is taken to its extreme, there is nothing stopping an inspector arguing that the £100 could have derived from income of £1m which was invested (very) badly indeed.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
It is arguable that each element of the $15,000 proceeds should be proportionally reduced (giving $6,000 income, $2,250 capital gains and $6,750) and full disclosure made on the 2011/12 tax return.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
However, it may be more prudent to treat the proceeds in the way suggested by Dollared because this will provide the highest tax take. If the loss was larger (say $12,000), it would be sensible to treat the proceeds of $8,000 as no longer containing any clean capital or capital gains so that a subsequent remittance would be treated entirely as income of $8,000 (assuming taxable remittances are limited to the amount received in the UK as suggested above).</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
I am not sure that I agree with the suggestion by Dollared that such an approach could result in double relief (as a result of the reduction of unremitted income and the benefit of the capital loss). What if the $20,000 investment had become completely worthless?</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
The income/gains attaching to the offshore transfer could clearly never be remitted, but one would imagine that the capital loss (arising perhaps through a negligible value claim) in these circumstances would still be allowable under TCGA 1992, s 16ZA.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Dollared’s queries are a good reminder that the mixed fund rules are often unworkable in practice and my own experience is that HMRC will accept a pragmatic approach.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<b>Closer look... remittances from foreign income or gains</b></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
The reply from Nick Harvey raises the issue of remittances derived from foreign income or gains. HMRC’s Residence, Domicile and Remittance Basis Manual at paragraph RDRM35030 provides examples of calculating the amounts of remittances from abroad where non-cash value is involved. In each of the examples, the person involved is a remittance basis user.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
In HMRC’s “example 3”, Johanna is a remittance basis user whose son has guitar lessons with a master guitarist, Kurt, every week. Johanna has a timeshare apartment in Morocco and pays £8,400 from her relevant foreign earnings each year which allows her to use the apartment for four weeks every year.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
In 2013/14, rather than pay Kurt in cash for the guitar lessons, they agree that he may use the apartment for two weeks in June 2013. Here the consideration (the use of the Moroccan apartment) for the service provided in the UK derives indirectly from Johanna’s relevant foreign earnings and the amount remitted is related to the amount of income and gains from which the consideration derives, i.e. £4,200.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
In example 4, Marianne purchased a car abroad for £25,000 from her foreign chargeable gains. The car is therefore treated as derived from foreign income and gains. Instead of bringing it straight to the UK, the car is kept in Italy.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
A few years later she brings the car to the UK for the use of her and her daughter. At this time the approximate market resale value of the car is £14,000. However, the amount remitted is still £25,000, i.e. an amount equal to the chargeable gains from which the property was derived.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
HMRC’s example 5 shows the converse. Ali purchases a sculpture in Sweden in 2012/13 for £80,000 using relevant foreign earnings. He gives the sculpture to his wife who keeps it at her mother’s home in Stockholm.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
In 2015/16 Ali’s wife brings the sculpture to the UK. The sculptor has become famous, and the work has appreciated in value to £120,000.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
As a result of Ali’s wife bringing the sculpture from Sweden to the UK, Ali has made a taxable remittance of £80,000 in 2015/16, i.e. the original amount of foreign income used to purchase the sculpture.</div>
agavenwihttp://www.blogger.com/profile/01108829871154793489noreply@blogger.com0tag:blogger.com,1999:blog-7208255023219969127.post-45493616116600138442017-11-07T16:01:00.001-08:002017-11-07T16:01:03.987-08:00Devin Fitzpatrick Art Consultants Review: Grundlegende Tipps zur Auswahl eines Good Art Consulting Service<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Segoe UI","sans-serif";">Zu
Beginn ist hier ein Zitat, das eine Menge Leute seit geraumer Zeit vertraut
ist, und es geht wie folgt aus: "die ' Erde ' ohne ' Kunst ' ist nur ' eh.
'" Obwohl es ein bisschen Humor gibt, bedeutet es die Wahrheit. Kunst gibt
uns eine Menge Bedeutung und es muss nicht schön sein, geschätzt zu werden.
Aber in das Geschäft der Kunst einbezogen werden, erfordert sorgfältige
Maßnahmen und Gedanken.<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Segoe UI","sans-serif";">Die
Einbindung von Kunst braucht oft das Fachwissen eines professionellen Art
Consulting-Dienstes, um mehr Vorteile und positive Ergebnisse zu erzielen.
Suchen Sie den Service, der mit Devin Fitzpatrick Art Consultants ähnlich ist,
um Ihnen in ihrem künstlerischen Venture sehr zu helfen. Sie würden nicht viel
Problem beim Kauf oder Verkauf einer Kunstwerke zum Beispiel, wenn Sie einen
Art Consultant neben Ihnen haben.<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Segoe UI","sans-serif";">Jeder
von uns hat unterschiedliche Bedürfnisse, so dass es schwierig sein könnte,
jemanden zu finden, der alle Ihre individuellen Anforderungen bieten könnte.
Aber mit einer sorgfältigen Forschung und Auswahl, konnten Sie den
künstlerischen Berater finden, den Sie brauchen. Im folgenden sind einige
grundlegende Tipps, die Ihnen helfen, finden und wählen Sie die beste Art
Consulting Service für Ihre Interessen.<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b><span style="font-family: "Segoe UI","sans-serif";">Gründliche
Untersuchungen durchführen<o:p></o:p></span></b></div>
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<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Segoe UI","sans-serif";">Sie
können zu Fuß oder einfach mit dem Internet suchen. Und um die Dinge einfacher
zu machen, können Sie dies mit Ihren Freunden, Verwandten oder Nachbarn
diskutieren, die den Service eines künstlerischen Consultant erworben haben.
Mit diesem können Sie ehrliche Empfehlungen zu gewinnen und könnte sogar die
Liste diejenigen, die Sie vermeiden sollten.<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b><span style="font-family: "Segoe UI","sans-serif";">Wählen Sie diejenige,
die versteht<o:p></o:p></span></b></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Segoe UI","sans-serif";">Das
Geschäft, das Kunst beinhaltet, ist immer noch ein Geschäft, aber immer daran
erinnern, dass, um die Ergebnisse, die Sie suchen, müssen Sie mit jemandem, der
wirklich versteht sie arbeiten zu erhalten. Auf diese Weise können Sie mit dem
Berater diskutieren alle Ihre Anliegen und Präferenzen mit nichts halten Sie
zurück. Ähnlich wie die Dienstleistung von Devin Fitzpatrick Art Consultants,
sollten Sie wählen, die ein breites Verständnis hat und könnte flexibel im
Umgang mit den Unterschieden der einzelnen Kunden. Denken Sie daran, dass ein
qualifizierter Art Consultant-Service könnte so etwas mit ihrer langjährigen
Erfahrung Umgang mit vielen Menschen in der Vergangenheit tun.<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b><span style="font-family: "Segoe UI","sans-serif";">Berücksichtigen Sie
Ihr Budget<o:p></o:p></span></b></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Segoe UI","sans-serif";">Getting
the Service of a Art Consultant könnte ein bisschen teuer, so müssen Sie
sicherstellen, dass Sie den Dienst von einem mit Ihrem Budget leisten können.
Wählen Sie die, die Sie sich leisten können und hat ihren Bedingungen
einschließlich Ihres Budgets zugestimmt.<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNormal" style="text-align: justify;">
</div>
<div class="MsoNormal" style="text-align: justify;">
<b><span style="font-family: "Segoe UI","sans-serif";"><a href="http://kathyhook1980.booklikes.com/post/1614762/devin-fitzpatrick-art-consultants-review-wahlen-sie-eine-art-consulting-service-der-richtige-weg">Devin Fitzpatrick ArtConsultants</a></span></b><span style="font-family: "Segoe UI","sans-serif";"> legt
großen Wert auf die Beziehung zwischen dem Kunden und dem Berater. Beide Seiten
sollten ein gegenseitiges Verständnis haben, um mit einem wertvollen Ergebnis
zu enden. Es könnte Ihnen eine Menge Mühe am Anfang nehmen, aber wenn Sie
sorgfältig wählen, die Sie arbeiten werden, wird alles glatt gehen am Ende.<o:p></o:p></span></div>
agavenwihttp://www.blogger.com/profile/01108829871154793489noreply@blogger.com0tag:blogger.com,1999:blog-7208255023219969127.post-18611623103728384432017-07-11T17:30:00.001-07:002017-07-11T17:30:42.223-07:00 Tokyo MK Taxi: Things to Consider Before Traveling<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwcbd5H84stWd_BuovjKWJSk3Nixg6PooNKjGlkHrvbwhQmJ6GRN9gOvJlMxV0euq0MVvL7IIDejA_4I6hakT1Il8ZiLlCbFq38_qZN1WHT5DkgG47bvQ7SyIC1tx6AyFc8VH3l1fMVng/s1600/Tokyo+MK+Taxi+Things+to+Consider+Before+Traveling.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="533" data-original-width="800" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwcbd5H84stWd_BuovjKWJSk3Nixg6PooNKjGlkHrvbwhQmJ6GRN9gOvJlMxV0euq0MVvL7IIDejA_4I6hakT1Il8ZiLlCbFq38_qZN1WHT5DkgG47bvQ7SyIC1tx6AyFc8VH3l1fMVng/s320/Tokyo+MK+Taxi+Things+to+Consider+Before+Traveling.jpg" width="320" /></a></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Planning a vacation includes selecting your destination, a place to stay and a transportation service that will get you the places in your itinerary. You need to be extra careful and pay attention to everything so you could have a memorable vacation ever. The very first thing you need to decide is the places you like to visit and the activities you want to do. Choose places that can help you relax and forget your work commitments. </div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
The next to be considered is the accommodation. Make sure to book a comfortable place for your stay and of course, within your budget. Do some research online for hotel promos and do not forget to read trusted reviews to serve as a guide in choosing the most desirable hotel in your destination. If you already have a schedule for your trip, book your accommodation as early as possible so you could take advantage of potential cost-saving options they may offer for early bookings.</div>
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<br /></div>
<div style="text-align: justify;">
The next area of concern is the transportation service you are going to avail. There is numerous reputable chauffeur service available to cater your transportation needs. <a href="http://bit.ly/2sNFWEf">Tokyo MK Taxi</a> has long been serving the people of Japan, Korea and the United States as a global company providing high-quality taxi and chauffeur service at a very reasonable price. They offer not just a ride in comfort and style, but an easy and stress-free way to travel and arrive at your destination. Tokyo MK Taxi features Lexus group enthusiasts and cars included in their vehicle fleet are Lexus 600hl, Lexus 460, BMW, Mercedes-Benz, Toyota Hiace and Nissan Fuga Hybrid and much more. With over 212 types of taxi and 58 different models of luxurious vehicles, we can provide the right chauffeur car service for everyone’s needs. For more details, you can visit their website.</div>
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<br /></div>
<div style="text-align: justify;">
When you hire Tokyo MK Taxi, you get the best customer service without having to wait in lines, deal with incompetent drivers or pay more than you should. You can travel with your own personal space and with a sense of security.</div>
agavenwihttp://www.blogger.com/profile/01108829871154793489noreply@blogger.com0tag:blogger.com,1999:blog-7208255023219969127.post-61217249978213352372017-06-21T18:36:00.001-07:002017-06-21T18:37:33.126-07:00Galveston Capital Introducing the intelligence center of Indonesian Tourism: War Room M-17<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiyestnJcD85RI8wIywMPxeOl209WHuL3RZXElMcx-_hN7KRiZH-OSVc1-jF5Xxhu9n0WxB_mq0RzFr40PFggWpT8mtCLtpHvi5flOWwZizYyh4qpCKo13s1VTAR18StZ9j-mdwTUdqJGk/s1600/2017_03_21_23872_1490089152._large.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="666" data-original-width="1000" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiyestnJcD85RI8wIywMPxeOl209WHuL3RZXElMcx-_hN7KRiZH-OSVc1-jF5Xxhu9n0WxB_mq0RzFr40PFggWpT8mtCLtpHvi5flOWwZizYyh4qpCKo13s1VTAR18StZ9j-mdwTUdqJGk/s320/2017_03_21_23872_1490089152._large.jpg" width="320" /></a></div>
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<span style="font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">'Practice
what you preach' is exactly what the Tourism Ministry does with its
“go-digital” campaign. The ministry not only applies the "go digital"
philosophy to its promotional activities, it also brings it to its office.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">An area
called <a href="http://www.thejakartapost.com/travel/2017/06/07/introducing-the-intelligence-center-of-indonesian-tourism-war-room-m-17.html">War Room M-17</a> was launched last year, located on the 16th floor of Sapta
Pesona Building, Jakarta. The area features interactive dashboards showcasing
tourism promotions for Indonesia, other countries, <a href="http://www.ourstory.com/thread.html?t=1141336">tourism destinations</a>, top 10
priority destinations and human resources institutions.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">“This is big
data, a combination of small and corporate data as well as social media. The
data is very important and can become an early warning system for the tourism
ministry to know what’s happening out there,” said the Tourism Minister, Arief
Yahya.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">This is also
the place where the ministry monitors what other countries such as Thailand and
Vietnam are doing in order to attract Chinese tourists, for example.</span></div>
<br />
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">When
Thailand is clicked on the dashboard, destinations such as Phuket, Chiang Mai,
Pattaya will show up on the screen along with a list of current events there
and information about access, cuisine, security, cleanliness, accommodation and
other services.<o:p></o:p></span></div>
agavenwihttp://www.blogger.com/profile/01108829871154793489noreply@blogger.com0tag:blogger.com,1999:blog-7208255023219969127.post-4119166903830982632017-05-30T20:02:00.001-07:002017-05-30T20:02:46.375-07:00 Galveston Capital Tourism and Marketing on How Jakarta Can Maximize One of Its Potentials to Attract More Tourists<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjpuuZT0rWhf4HC74BfRosiEF4Jk9A0y6sxo8xYWpnP7V_ShPxjei_3qWWvLGiO9mF1LzSVWRbeV8gDvoRIGoQQJNCiCiACj_rUGjSQOF9OBRwGR4GW0Aa-13rcueJ8E8IYH7qdTaZN_YM/s1600/Galveston+Capital+Tourism+and+Marketing+on+How+Jakarta+Can+Maximize+One+of+Its+Potentials+to+Attract+More+Tourists.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="465" data-original-width="795" height="187" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjpuuZT0rWhf4HC74BfRosiEF4Jk9A0y6sxo8xYWpnP7V_ShPxjei_3qWWvLGiO9mF1LzSVWRbeV8gDvoRIGoQQJNCiCiACj_rUGjSQOF9OBRwGR4GW0Aa-13rcueJ8E8IYH7qdTaZN_YM/s320/Galveston+Capital+Tourism+and+Marketing+on+How+Jakarta+Can+Maximize+One+of+Its+Potentials+to+Attract+More+Tourists.jpg" width="320" /></a></div>
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<b style="font-weight: bold;">JAKARTA, NETRALNEWS.COM</b><b> - </b>The Jakarta Great Sale Festival (FJGS) 2017 is expected to increase the number of tourists visiting the country's capital city, a Jakarta tourism official stated.</div>
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<br /></div>
<div style="text-align: justify;">
"The FJGS program has continued to improve every year, and it is expected that the number of tourists will also increase through this activity," Head of Jakarta Tourism and Culture Service Catur Laswanto noted at a press conference on the FJGS 2017 in Jakarta on Thursday.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Laswanto remarked that Jakarta has an advantage in the form of numerous shopping centers and malls that make the capital a tourist destination.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
"Unlike other regions that have natural wealth that makes them a <a href="https://mialyhne23.wordpress.com/2017/03/01/galveston-capital-tourism-and-marketing-review-island-hotels-where-to-stay/">tourist destination</a>, Jakarta has several shopping centers, and this is a tourist attraction," Laswanto emphasized.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
The tourism official is optimistic that the FJGS 2017 will be able to compete with various shopping festivals in other Asian countries, as the products on offer are more complete and are available at lower prices.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
"I laud the implementation of the FJGS 2017. Hopefully, this activity will continue to grow from time to time. We hope the FJGS would become a leading event in Jakarta," Laswanto affirmed.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
This year, the FJGS will be held from June 2 to July 12, 2017. This event will be followed by 81 malls or shopping centers, 40 traditional markets of the Jakarta market operator PD Pasar Jaya, and 12 hotels and retailers from shopping centers.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
During the FJGS 2017, a midnight shopping program or Midnight Sale will be held every week alternately in 27 shopping centers in Jakarta. In addition to the shopping program, the FJGS 2017 will also hold social activities.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
In collaboration with the Jakarta Red Cross, the FJGS committee will hold Mass Blood Donation events in 36 shopping centers in Jakarta during the FJGS 2017.</div>
agavenwihttp://www.blogger.com/profile/01108829871154793489noreply@blogger.com0tag:blogger.com,1999:blog-7208255023219969127.post-17613397278199607622017-03-27T23:37:00.002-07:002017-03-27T23:37:21.623-07:00Cycling Tours Tokyo, Japan: Courses<div class="MsoNoSpacing" style="text-align: justify;">
<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">We may be able to switch tour dates or add new dates. If the
schedule doesn't match with yours, please send us a request through reservation
form.<o:p></o:p></span></div>
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<br /></div>
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<b><span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">ODAIBA<o:p></o:p></span></b></div>
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<br /></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Departure: Please check the calendar<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">(Can be arranged by your request)<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Availability: 10 persons each day<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Duration: About 6 hours<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Price: 9000yen/person<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Included: Rental bike, Nationally lisenced English speaking guide,
helmet (on request), cruise fair and insurance.<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Not-included: Lunch<o:p></o:p></span></div>
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<br /></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Meeting at Kachidoki (9:30am)<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Tsukiji Fish Market (wholesale market is closed on Sundays, some
Wednesdays and holidays. In the case, we will visit either the retail market
area or Hamarikyu Japanese Garden.)<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Rainbow Bridge walk <o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Odaiba Marine Park<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Diver City Tokyo<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Lunch (around 12:00pm)<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Ariake <o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Tokyo Bay cruise from Odaiba to Hinode ( 20 minutes)<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">End at Yurikamome Hinode Station (U04) (3:15pm)<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">You can stay in Odaina and take the cruise later if you want.<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Note: Visiting places may be omitted or replaced because of
operational reason. The guide will explain in that case. <o:p></o:p></span></div>
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<br /></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">The Rainy Day Tour<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">- We conduct the tour by using public transportation on rainy
days. We may omit or replace some places.<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">After-tour recommendations:<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">- Hot spring experience at Oedo Onsen (No bathing suit allowed)<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">- National Museum of Emerging Science and Innovation (10-17, close
on Tuesdays)<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">- Trick Art Museum<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">- Fuji TV station observatory (500yen)<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">- Gotouch Menmatsuri (Ramen restaurants)<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">- Takoyaki Museum (Takoyaki shops)<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">- Venus Fort Outlet<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">- Lego Land Discovery Center Tokyo<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">- Tokyo Joy Police (Sega amusement park)<o:p></o:p></span></div>
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<br /></div>
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<b><span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">SUMMARY<o:p></o:p></span></b></div>
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<br /></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">On this tour we mainly explore Odaiba which is on man-made islands
located in the Tokyo Bay. This area has many interesting spots but it's too
large to walk. </span><a href="http://cyclingtourstokyo.com/"><b><span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin; text-decoration: none; text-underline: none;">Biking is the best way to look around
this huge area</span></b></a><span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">. We stop by
some interesting facilities and give you time to look around. Probably you want
to come back to these facilities later and spend more time. That's why we end
this tour in Odaiba. We finish the tour with the cruise. We againg cross
Rainbow Bridge but this time you will see it from the cruise ship.<o:p></o:p></span></div>
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<br /></div>
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<b><span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">TOKYO FRINGE<o:p></o:p></span></b></div>
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<br /></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Departure: Please check the calendar<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">(Can be arranged by your request)<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Availability: 10 persons each day<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Duration: About 6 hours<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Price: 9000yen/person<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Included: Rental bike, Nationally lisenced English speaking guide,
helmet (on request), Sea Life Park admission and insurance.<o:p></o:p></span></div>
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<br /></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Meeting at Edogawa Municipal Baseball Stadium
<MAP><pdf> (9:30am)<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Gyosen Park with the Japanese Garden and the Zoo.<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Riverside cycling road<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Local supermarket<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Kasai Rinkai Park<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Lunch break (around 12:30pm)<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Tokyo Sea Life Park (Aquarium) entry<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Tokyo Disney Resort area(1:30pm)<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Picture stops at TDL<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">End at IKSPIARI in the Tokyo Disney Resort (3:30pm)<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Note: Visiting places may be omitted or replaced because of
operational reason. The guide will explain in that case. <o:p></o:p></span></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">The Rainy day tour<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">- We conduct the tour by using public transportation on rainy
days. We may omit or replace some places.<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">After-tour recommendations:<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">-Tokyo Disney land/Disney Sea entrance with the Night Passport.<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">-Tokyo helicopter cruise<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">-Hot spring experience in Urayasu Mangekyo (Bathing suit partially
OK)<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">-Dinner at Ikspiari shopping mall<o:p></o:p></span></div>
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<br /></div>
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<b><span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">SUMMARY<o:p></o:p></span></b></div>
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<br /></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Edogawa Ward is located in the east end of Tokyo prefecture and
facing the Tokyo Bay. This area is densely populated as it is close to the
centre of Tokyo, but it is still rich in nature. On our tour, we visit a lot of
local parks including Kasai Rinkai Park which is famous for Tokyo Sea Life Park
and the biggest Ferris wheel in Japan. We also drop by a big supermarket which
you can't find in the center of Tokyo. In the later half of the tour, we cross
the Edo River and explore the Tokyo Disney Resort area. We make some photo
stops at major spots in the resort and also secret spots that only locals know.<o:p></o:p></span></div>
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<br /></div>
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<b><span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">SHITAMACHI<o:p></o:p></span></b></div>
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<br /></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Departure: Please check the calendar<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">(Can be arranged by your request)<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Availability: 10 persons each day<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Duration: About 6 hours<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Price: 9000 yen /person<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Included: Rental bike, Nationally lisenced English speaking guide,
helmet (on request), Kiyosumi garden admission and insurance.<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Meeting at Kachidoki <MAP><pdf> (9:30am)<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Fukagawa-fudo Buddhist Temple<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Tomioka-hachimangu Shinto Shrine<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Kiyosumi Japanese Garden<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Lunch break (around 1:00pm)<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Ryogoku Sumo Stadium<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Tokyo Sky Tree Soramachi<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">End at Tokyo Sky Tree Soramachi (3:30pm)<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Note: Tokyo Sky Tree Observatory entry is NOT included. (Waiting
line for buying the ticket seems less than 30 minutes except for weekends and
holidays as of September 2014).<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Visiting places may be omitted or replaced because of operational
reason. The guide will explain in that case. <o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">The Rainy day tour<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">- We conduct the tour by using public transportation on rainy
days. We may omit or replace some places.<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">After-tour recommendations:<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">- Tokyo Sky Tree Observatory<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">- Tokyo Sky Tree Soramachi (shopping mall)<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">- Asakusa Sensouji Temple<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">- Sumida River Cruise<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">- Okachimachi market <o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">- Akihabara electric town<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">-Ueno Zoo<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">-Tokyo National Museum<o:p></o:p></span></div>
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<b><span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">SUMMARY</span></b></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Shitamachi literally means "lower town "where commoner
lived during the Edo era. Shitamachi is one of a few places where old
atmosphere remains in this modernized Tokyo.<o:p></o:p></span></div>
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<span style="font-family: "Cambria","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">First we run though an old town which still remains between
high-rise condominiums. Then, visit a Shinto shrine and a Buddhist temple. Both
of them are not famous among foreign tourists but they have something worth
visiting. Only locals know what the charms of them are. If we are lucky, we
will see some Sumo wrestlers walking around near the Sumo stadium. This tour
ends at Tokyo Sky Tree which has just opened on the May 22, 2012. You can find
some nice souvenirs at the Soramachi shopping mall for sure.<o:p></o:p></span></div>
agavenwihttp://www.blogger.com/profile/01108829871154793489noreply@blogger.com0tag:blogger.com,1999:blog-7208255023219969127.post-45747433296788159112017-03-13T17:30:00.001-07:002017-03-13T17:30:16.795-07:00Online Fraud Detection on 5 ecommerce fraud predictions for 2017<br />
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<img alt="5 ecommerce fraud predictions for 2017" height="213" itemprop="contentUrl" src="http://images.techhive.com/images/article/2015/05/ecommerce-thinkstock-100583911-primary.idge.jpg" width="320" /></div>
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Ecommerce fraud is on the rise as more consumers turn to online shopping. Luckily, by being vigilant, merchants can fight fraud and win.</div>
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As the number of consumers turning to online shopping increases, the rise of <a href="http://agavenwi15.livejournal.com/4553.html">online fraud</a> is also rising.</div>
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Those committing internet crimes are depriving their victims of either funds, interests, personal property and/or sensitive data. As the threat escalates, consumers and companies alike are seeking various methods to tackle the phenomenon.</div>
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Ecommerce fraud has a long and controversial history. Thus, providing a forecast for the months ahead can help retailers adopt an adequate solution to confront the many challenges in 2017.</div>
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<b>1. Identity theft and friendly fraud</b></div>
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The main threat will remain identity theft. Fraudsters will seek your personal information. Their main goal is to use a different identity and, for example, place an online order. Identity theft also includes a concept known as man-in-the-middle attacks where credit-card data is intercepted and copied as it is transferred online. </div>
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In the practice of friendly fraud, a customer pays for ordered goods and/or services through a direct debit or a credit card. The second step involves a deliberate chargeback from the issuing bank, taking place only after receiving the purchased goods or service. The involved fraudster then goes on to claim the credit card or details of customer's account has been stolen. While the "customer" is reimbursed, they decide to keep hold of the goods.</div>
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<b>2. Merchant and triangulation fraud</b></div>
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In merchant fraud, the goods are provided at extremely low prices yet no shipment takes place. There is also a wholesale version of this fraud. No specific method enjoys any exclusivity, yet it is common knowledge that no-chargeback payment methods come to life in this practice of fraud. This also involves a majority of the push payment types.</div>
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Considered as one of the more complex ecommerce attack methods, triangulation fraud involves quite a bit of collaboration, as three points are involved. Role #1 belongs to an ordinary customer placing an order through a type of credit, debit or PayPal tender. Role #2 involves a fraudulent seller receiving the placed order, then requesting the actual product from a legitimate ecommerce website while using a stolen credit card. Role #3 is the part played by a legitimate ecommerce website completing the order requested, completely unaware of the criminal nature.</div>
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<b>3. Affiliate and clean fraud</b></div>
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Two types of affiliate fraud are popular these days, while both seek one objective. By manipulating sign-up data or traffic, fraudsters are pursuing the objective of collecting more money. Options include actual people using fake accounts who log into sites of merchants or simply employing an automated process.</div>
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Clean fraud also involves the use of a stolen credit to make an order. In such a method, criminals resort to complicated practices, such as using sound analyses equipped in fraud detection systems, and obtaining in-depth data on the owners of stolen credit cards. This information is needed to deceive the payment process and bypass the fraud detection solution.</div>
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<b>4. The counterattack</b></div>
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Online piracy and the sale of counterfeit goods will face new challenges, as the U.S. Department of Justice has declared a new initiative teaming up state and local law enforcement agencies in this struggle. Washington has already pumped $3.2 million into this campaign.</div>
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New state-of-the-art advances are also making life more difficult for fraudsters, especially with the introduction of EMV chip card technology. This is a significant leap forward in enhancing credit card security, providing a strong incentive for small and large companies to jump on the bandwagon.</div>
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<b>5. Fighting fraud</b></div>
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Fraud prevention and chargeback guarantee for ecommerce merchants, Riskified works on establishing genuine financial security between online customers and ecommerce merchants. This company delivers ecommerce fraud prevention solutions for merchants to certify previously avoided transactions.</div>
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At a time when the relationship between a buyer and a seller is in search of trust more than ever before, customer experience and the bottom line is protected through the services provided by this firm in pioneering the charge-back guarantee.</div>
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“We founded Riskified with the retailer in mind and have grown adept at servicing the needs global retailers have as they expand their e-commerce and m-commerce operations to provide more personalization to consumers,” says co-founder and CEO Eido Gal, signaling the high demand and importance of such services in today’s digitized world.</div>
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As calls for digital goods increase, we are witnessing a rise in the necessity of protection against fraud.</div>
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“Digital goods, such as electronic gift cards and e-tickets, are becoming increasingly popular. In the U.S., over $127 billion is spent on gift cards annually,” Shalhevet Zohar explained in a blog post about ecommerce fraud trends.</div>
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Such statistics, growing as we speak, demonstrate the huge market fraudsters seek to tap into—and the utmost necessity for consumers to be adequately prepared.</div>
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<b>Final thoughts</b></div>
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The fraud landscape is a constantly changing and evolving phenomenon, demanding an adaptive approach to remain at top of your game. Retailers in the U.S. have suffered $109 billion more due to suspected fraud costs resulting from false declines of legitimate orders. This is far beyond actual fraud losses. The ecommerce industry is increasing its demand for fraud prevention platforms, and there is a new revenue opportunity for those companies able to provide such high-valued expertise.</div>
agavenwihttp://www.blogger.com/profile/01108829871154793489noreply@blogger.com0tag:blogger.com,1999:blog-7208255023219969127.post-81318362331267081112017-03-08T16:32:00.000-08:002017-03-08T16:32:58.185-08:00Online Security Review Steps to Protect Yourself from Tax Identity Fraud<br />
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<img height="213" src="http://snjtoday.images.worldnow.com/images/13140578_G.jpg" style="background-color: white; background-image: linear-gradient(45deg, rgb(238, 238, 238) 25%, transparent 25%, transparent 75%, rgb(238, 238, 238) 75%, rgb(238, 238, 238) 100%), linear-gradient(45deg, rgb(238, 238, 238) 25%, transparent 25%, transparent 75%, rgb(238, 238, 238) 75%, rgb(238, 238, 238) 100%); background-position: 0px 0px, 10px 10px; background-size: 20px 20px; user-select: none;" width="320" /></div>
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By William F. Whelan, guest columnist and Senior VP, Branch/Government Banking, Capital Bank.</div>
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As the 2017 tax season gets underway, Capital Bank of New Jersey is urging all customers to take extra precaution when filing their return to prevent their exposure to tax fraud.</div>
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“Fraudsters are using very clever tactics to get a hold of your personal information and submit false tax claims,” said David J. Hanrahan, Sr., President and CEO. “Consumers must be suspicious of any communication from the IRS—through e-mail, text or social media—that requests personal information, and should keep a watchful eye out for missing W-2s and mail containing sensitive financial information.”</div>
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Tax identity fraud takes place when a criminal files a false tax return using a stolen Social Security number in order to fraudulently claim the refund. Identity thieves generally file false claims early in the year and victims are unaware until they file a return and learn one has already been filed in their name.</div>
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To help consumers prevent tax ID fraud, Capital Bank of New Jersey is offering the following tips:</div>
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<b>1. File early. </b>File your tax return as soon as you’re able, giving criminals less time to use your information to file a false return.</div>
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<b>2. File on a protected Wi-Fi network.</b> If you’re using an online service to file your return, be sure you’re connected to a password-protected personal network. Avoid using public networks like a Wi-Fi hotspot at a coffee shop.</div>
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<b>3. Use a secure mailbox. </b>If you’re filing by mail, drop your tax return at the post office or an official postal box instead of your mailbox at home. Some criminals look for completed tax return forms in home mailboxes during tax season.</div>
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<b>4. Find a tax preparer you trust. </b>If you’re planning to hire someone to do your taxes, get recommendations and research a tax preparer thoroughly before handing over all of your financial information.</div>
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<b>5. Shred what you don’t need.</b> Once you’ve completed your tax return, shred the sensitive documents that you no longer need and safely file away the ones you do.</div>
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<b>6. Beware of phishing scams by e-mail, text or phone.</b> Scammers may try to solicit sensitive information by impersonating the IRS. Know that the IRS will not contact you by e-mail, text or social media. If the IRS needs information, they will contact you by mail first.</div>
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<b>7. Keep an eye out for missing mail.</b> Fraudsters look for W-2s, tax refunds or other mail containing your financial information. If you don’t receive your W-2s, and your employer indicates they’ve been mailed, or it looks like it has been previously opened upon delivery, contact the IRS immediately.</div>
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If you believe you’re a victim of <a href="http://onlineinfoblog.com/">tax identity theft</a> or if the IRS denies your tax return because one has previously been filed under your name, alert the IRS Identity Protection Specialized Unit at 1-800-908-4490. In addition, you should:</div>
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· Respond immediately to any IRS notice and complete IRS Form 14039, Identity Theft Affidavit.</div>
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· Contact your bank immediately, and close any accounts opened without your permission or tampered with.</div>
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· Contact the three major credit bureaus to place a fraud alert on your credit records:</div>
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o Equifax, Equifax.com, 1-800-525-6285</div>
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o Experian, Experian.com, 1-888-397-3742</div>
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o TransUnion, TransUnion.com, 1-800-680-7289</div>
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· Continue to pay your taxes and file your tax return, even if you must do so by paper.</div>
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· More information about tax identity theft is available from the FTC at ftc.gov/taxi theft and the IRS at irs.gov/identity theft.</div>
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Capital Bank opened for business in Vineland in 2007. Currently, it has four locations—two in Vineland, one in Woodbury Heights, and one in Hammonton. Capital Bank lends money to businesses and individuals throughout South Jersey, is an Approved SBA Lender and a New Jersey EDA Premier Lender. It is also 5-Star rated by BauerFinancial (BauerFinancial.com). For more information about Capital Bank, visit capitalbanknj.com.</div>
agavenwihttp://www.blogger.com/profile/01108829871154793489noreply@blogger.com0tag:blogger.com,1999:blog-7208255023219969127.post-74182701777933412142017-03-05T17:07:00.001-08:002017-03-05T17:07:40.520-08:00 Security and Risk Complaints Online on Building a 'human firewall'<div style="text-align: justify;">
A recent research study Mimecast conducted with Vanson Bourne revealed that 66% of the surveyed South African businesses said that they thought it likely that their organization would suffer from cyber-criminal activity in 2017.</div>
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So said Mimecast MD Brandon Bekker, adding that there are three major threats his organization believes SA businesses are facing in terms of IT security.</div>
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<b>Ransomware</b></div>
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"Ransomware will explode to become one of the biggest threats, fuelled by smaller ‘opportunist' attackers using off-the-shelf kits to deploy malware. This is an easy and cheap attack method that produces fruitful results. Few organisations have effective defenses against this type of malware and now with bitcoins enabling the perpetrators to increase distance from their victims further, it has never been so easy to get away with it," he adds.</div>
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When asked how to prevent or mitigate attacks of this nature, he says cyber criminals are becoming increasingly more sophisticated and insidious, and are continually revising, updating and re-inventing their tactics and technologies to carry out an attack.</div>
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Because of this, preventive systems, such as <a href="http://www.onlineinfoblog.com/">anti-virus and intrusion prevention systems</a>, are rendered inadequate. "Planning exclusively to help prevent cyber-attacks, like ransomware, isn't enough. It's time for businesses to implement a total cyber resilience strategy that includes security, continuity and data recovery."</div>
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In his view, the ideal approach is to layer together state-of-the-art preventive systems, point-in-time recovery measures, and a means to maintain business continuity during a ransomware attack. He adds that education, or ‘building a human firewall' plays a vital role, because the more staff can be aware of attacks such as ransomware, the more educated eyes can be on the problem.</div>
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<b>The insider threat</b></div>
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According to Bekker, insider threats are also high on the list, and according to a Forrester Technology Adoption Profile study, these threats impact 99% of organisations surveyed.</div>
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In addition, these businesses said they had experienced some form of insider security incident in the past 24 months and 36% discovered insiders e-mailing sensitive data out of the organisation.</div>
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"With the POPI Act in the spotlight, organisations need to ensure that sensitive corporate data is not being accidentally or purposefully leaked externally; no business wants to be made an example of by the Information Regulator," cautions Bekker.</div>
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The third threat was revealed to be e-mail impersonation, or whaling, which continues to plague businesses in South Africa. The Mimecast study showed that 51% of those surveyed reported seeing an increase in impersonation fraud where recipients are asked to make wire transactions.</div>
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Bekker says impersonation technology, in conjunction with regular employee education, will help business protect themselves from these attacks.</div>
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<b>What we're doing wrong</b></div>
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Speaking of what SA companies are doing wrong in light of these three threats, Bekker says although many SA businesses are developing stronger cyber resilience strategies, and cyber activity is being discussed seriously and regularly in boardrooms across the country, IT budgets still limit organisations that need the advanced, layered protection required to protect them from the evolving threat landscape.</div>
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"In their move to the cloud, many organisations believe that sufficient security is being built into their messaging platform. We are finding that the increased pace of development in the cybercrime underworld needs to be matched by a focused security solution that integrates with the messaging platform but focuses on the protection of corporate data."</div>
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In terms of what businesses could be doing better, Bekker says there is a vast amount of information out there and many perspectives about what the future holds. "IT managers need to continue exploring all the options, researching the options and meeting with different providers to better understand how they can build a strong cyber resilience strategy and how to layer the right set of solutions into that strategy."</div>
agavenwihttp://www.blogger.com/profile/01108829871154793489noreply@blogger.com0tag:blogger.com,1999:blog-7208255023219969127.post-62673704992688657972017-02-08T16:45:00.000-08:002017-02-08T16:45:04.760-08:00Security and Risk Complaints Online on Protection from Becoming a Victim of Fraud<div style="text-align: justify;">
Remember, your financial information is at risk all the time. Fraudsters will always come up of new intricate ways to trick you from giving credit card details. Here are some advices to <a href="http://quanypayne.livejournal.com/44288.html">protect yourself from scammers</a>.</div>
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<b>Shred any receipts or papers with a credit card details on it.</b></div>
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Fraudsters can be dumpster divers, which mean, they can use tossed rubbishes to obtain financial information from you. For this reason, it is best to shred receipts and bank statements before dumping them in the trash. </div>
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<b>Keep your PIN private</b></div>
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<div style="text-align: justify;">
Do not use the same PIN code on all your cards and avoid using personal information such as your birthdate in your PIN code. If you are going to withdraw, cover up your PIN number when typing and be wary of your surroundings. It is also not advisable to write your PIN number on a piece of paper. </div>
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<b><div style="text-align: justify;">
<b>Phone passwords</b></div>
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Passwords must be protected on a high level. If you use the same password on all your accounts, it is time to change it. Change the password on all your accounts and cards as it makes it easy for a fraudster to access all your accounts if all of them have the same passcodes.</div>
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<br /></div>
<div style="text-align: justify;">
Moreover, do not save your passwords on your computer and as much as possible, set a security pin on your mobile phone and computers to avoid unauthorized people from accessing sensitive information inside your device. </div>
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<br /></div>
<b><div style="text-align: justify;">
<b>Phone calls from your bank</b></div>
</b><div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Do not let your guard down especially when you are in a public place or in an internet shop doing online banking. And if you are talking to your bank, do it in a secure and private place where no one can hear any banking details about your transaction. </div>
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<br /></div>
<div style="text-align: justify;">
One of the scam tricks fraudsters do is by trying to lure you using phone calls. They may pretend that they are from the bank and asking you to provide banking details. If this happens, don’t be afraid to ask questions and verify their identity first before providing any important information.</div>
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<b><div style="text-align: justify;">
<b>Viruses</b></div>
</b><div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<a href="http://www.onlineinfoblog.com/">To protect your computer from malicious software and spyware</a>, install anti-virus software and make sure to keep it running and updated especially when you are online. </div>
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<br /></div>
<b><div style="text-align: justify;">
<b>Emails</b></div>
</b><div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Beware of suspicious emails. Fraudsters use electronic mailing to trick their victims into giving financial details. They usually pretend to be from your bank and will request that you confirm your banking details. If an incident like this happens, don’t provide information and don’t click any suspicious links in the email as it may contain malware that can steal data from your computer. Remember that a bank will never send an email to threaten you or will request any financial details of you.</div>
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<br /></div>
<div style="text-align: justify;">
<b>Online transactions</b></div>
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<br /></div>
<div style="text-align: justify;">
Do not trust websites easily especially if you are making online transactions. Do not give away personal and financial details unless that site is reputable.</div>
agavenwihttp://www.blogger.com/profile/01108829871154793489noreply@blogger.comtag:blogger.com,1999:blog-7208255023219969127.post-29049691960190647282017-02-02T16:54:00.000-08:002017-02-02T16:54:00.271-08:00 Tyre&Auto Southbourne Group Review: Helping you find the ideal tyres for your car<div style="text-align: justify;">
Since its beginning, <a href="http://www.tyre-auto-southbourne.co.uk/">Tyre&Auto Southbourne Group</a> has been committed to helping its customers take care of their car. And if you’re currently having a hard time looking for the right tyre for your vehicle, Tyre&Auto is the ideal place to seek out the best solution for your remedy without getting scammed. Their team is equipped with sufficient know-how in handling your car concerns.</div>
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<br /></div>
<div style="text-align: justify;">
The market nowadays has boomed and it has a lot of different types of tyres available for any kind of vehicles. But finding the right one for your car might be an arduous task for you, but worries aside because Tyre&Auto can lead you to the right tyre.</div>
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<div style="text-align: justify;">
Tyre&Auto Southbourne Group takes into consideration your every car concern. You can really rely on their car services such as brake checks, MOTs, free seasonal checks, and of course, finding the perfect tyre for your car. This family-run company can be a place you can always go to in case of car problems. </div>
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<br /></div>
<div style="text-align: justify;">
Renewing the tyres of your vehicle might need careful thought and Tyre&Auto Southbourne Group can assist you in choosing the right one for your car. Size, climate, and your way of driving are some of the important aspects to consider when deciding which tyre to use.</div>
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<br /></div>
<div style="text-align: justify;">
The sidewall of the tyre indicates imperative information about the tyre such as its size, section width, aspect ratio or profile, radius, load capacity and speed rating. Factors that could affect the life of your tyre may include: driving in inner city conditions as opposed to motorways or the mileage per annum is either high or low. Considering those aspects, Tyre&Auto Southbourne Group can provide more help. </div>
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<br /></div>
<div style="text-align: justify;">
Contact the local depot of Tyre&Auto for more necessary assistance in finding the right tyre for your car. Their team is always prepared to address and answer any of your concerns regarding your car.</div>
agavenwihttp://www.blogger.com/profile/01108829871154793489noreply@blogger.com0tag:blogger.com,1999:blog-7208255023219969127.post-10907870663834736442017-01-26T17:05:00.001-08:002017-01-26T17:05:38.753-08:00Tyre&Auto Southbourne Group Review: A reliable team providing a good car serviceCommitted to providing an excellent car service to any individuals is what Tyre&Auto Southbourne Group is known for in Southbourne. The company has been delivering a reliable and honest service to their customers for several years now and their team is constantly receiving good reviews for their smart and practical service.<br /><br />Tyre&Auto Southbourne Group could indeed provide utmost care to your car with their meticulous work. Each manager is equipped with extensive experience in this particular field. George Mandair, as well as other managers, usually gets good feedbacks from the customers. It’s nothing surprising for a trustworthy service. People with car related concerns can count on the capabilities of the company in giving solutions to their problems. <br /><br />Tyre&Auto Southbourne Group has been involved in the trades in South Coast of Hampshire, building their firm reputation throughout the years. It is also a family run company that can truly handle any of your car problems with proper care. <br /><br />Included in their services are brake checks, car servicing, searching for good tyres, MOTs, as well as free seasonal checks. You can also obtain a quick tyre quote and reserve your tyres for fitting through their online service.<br /><br />The company always target to provide convenience to their customers and as a result, they also offer a local collect and a return service to them. We suggest to ask them about the service when you booked since their team can answer and address any of your other car concerns. <br /><br />All of their depots can also check your car’s windscreen wipers and can conduct a full engine overhaul. Many customers have been satisfied with their ability in handling car works. What’s more is the company’s good selection of free service checks. <br /><br />You may contact the local depot of <a href="http://www.tyre-auto-southbourne.co.uk/">Tyre&Auto Southbourne Group</a> for further information about their car services. agavenwihttp://www.blogger.com/profile/01108829871154793489noreply@blogger.com0tag:blogger.com,1999:blog-7208255023219969127.post-91012468589314344642017-01-12T21:57:00.000-08:002017-01-12T21:57:08.882-08:00Online Fraud Detection: Nobody seems to know what Rudy Giuliani's cybersecurity firm actually does.<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgFRuscGZrs7GWhvlsWDmShHEe3PP7H2t8ItHqIZ52Vl6f3wKfuGlUlF7ZNwNbWzcdlk8zVytw2UrBF6U1pPlDLsT0pfNQL9iJoEKIe9d7mid40N56b6GJbEJ3NVc-3zErwgCZu6_Oo23s/s1600/images+1.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="224" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgFRuscGZrs7GWhvlsWDmShHEe3PP7H2t8ItHqIZ52Vl6f3wKfuGlUlF7ZNwNbWzcdlk8zVytw2UrBF6U1pPlDLsT0pfNQL9iJoEKIe9d7mid40N56b6GJbEJ3NVc-3zErwgCZu6_Oo23s/s320/images+1.PNG" width="320" /></a></div>
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<span style="font-family: "Gisha","sans-serif"; font-size: 13.0pt; line-height: 115%;">Rudy Giuliani has been
tapped t</span><span style="font-family: Gisha, sans-serif; font-size: 13pt;">o "lend expertise" and to advise the Trump administration on cybersecurity.</span></div>
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<span style="font-family: Gisha, sans-serif; font-size: 13pt;"><br /></span></div>
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<span style="font-family: "Gisha","sans-serif"; font-size: 13.0pt; line-height: 115%;">The former New York mayor
"will be sharing his expertise and insight as a trusted friend concerning
private sector cybersecurity problems and emerging solutions developing in the
private sector," said a brief statement from the incoming Trump administration.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Gisha","sans-serif"; font-size: 13.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Gisha","sans-serif"; font-size: 13.0pt; line-height: 115%;">But details about Giuliani's
role were not immediately available.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Gisha","sans-serif"; font-size: 13.0pt; line-height: 115%;">Trump's pick of Giuliani for
this position isn't all too surprising to <a href="https://4good.org/sarah-maier/online-fraud-detection-nobody-seems-to-know-what-rudy-giuliani-s-cybersecurity-firm-actually-does">security
circles.</a> It's widely known that he is the chief executive of his own
private-sector cybersecurity venture, Giuliani Partners.<o:p></o:p></span></div>
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<span style="font-family: "Gisha","sans-serif"; font-size: 13.0pt; line-height: 115%;"><br /></span></div>
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<span style="font-family: "Gisha","sans-serif"; font-size: 13.0pt; line-height: 115%;">Giuliani spent much of his
time consulting after leaving office as mayor of New York at the end of 2001.
His venture claims to offer "a comprehensive range of security and crisis
management services." His consulting firm has hired controversial
staffers, and has worked for questionable clientele, reports have said.<o:p></o:p></span></div>
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<span style="font-family: "Gisha","sans-serif"; font-size: 13.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Gisha","sans-serif"; font-size: 13.0pt; line-height: 115%;">Yet, even his <a href="http://www.onlineinfoblog.com/">cybersecurity</a> venture's website,
filled with clunky Flash components and "cyber" stock imagery
throughout, doesn't advertise what it does.<o:p></o:p></span></div>
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<span style="font-family: "Gisha","sans-serif"; font-size: 13.0pt; line-height: 115%;"><br /></span></div>
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<span style="font-family: "Gisha","sans-serif"; font-size: 13.0pt; line-height: 115%;">For the past few months
while Giuliani's name was floated for positions for the Republican's
presidential campaign, we've tried to find out exactly what his company does,
or can do better than any other security firm -- to no avail. (If you have
information relating to Giuliani's company, there are a number of ways to
contact me securely. We want to know, and we think others do as well.)<o:p></o:p></span></div>
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<span style="font-family: "Gisha","sans-serif"; font-size: 13.0pt; line-height: 115%;"><br /></span></div>
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<span style="font-family: "Gisha","sans-serif"; font-size: 13.0pt; line-height: 115%;">Yet, the company has made
millions of dollars in contracts with various organizations, including the 2016
Olympic Committee.<o:p></o:p></span></div>
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<span style="font-family: "Gisha","sans-serif"; font-size: 13.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Gisha","sans-serif"; font-size: 13.0pt; line-height: 115%;">Giuliani was most recently a
guest speaker at the BlackBerry Security Summit earlier this year -- the day
after his bizarre appearance at the Republican National Committee -- to give an
equally unhinged speech comparing cybercrime to cancer and hackers to the
"Mafia."<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Gisha","sans-serif"; font-size: 13.0pt; line-height: 115%;">The former phone maker
BlackBerry just last week announced that Giuliani's company would "assess
infrastructures, identify potential cyber security vulnerabilities, address
gaps and secure endpoints with the goal of offering another channel to bring
customers to a new standard of security."<o:p></o:p></span></div>
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<span style="font-family: "Gisha","sans-serif"; font-size: 13.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Gisha","sans-serif"; font-size: 13.0pt; line-height: 115%;">So clearly the company is
doing something right. Right?<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Gisha","sans-serif"; font-size: 13.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Gisha","sans-serif"; font-size: 13.0pt; line-height: 115%;">It's not known what Giuliani
can or will bring to the table. We've reached out to the presidential
transition team for more and will update if we hear back.<o:p></o:p></span></div>
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<span style="font-family: "Gisha","sans-serif"; font-size: 13.0pt; line-height: 115%;"><br /></span></div>
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<span style="font-family: "Gisha","sans-serif"; font-size: 13.0pt; line-height: 115%;">But right now there are more
questions than answers over Giuliani's involvement, given the lack of a clear
and transparent directive on what his company does or how it (if at all) will
benefit the transition team and the country.<o:p></o:p></span></div>
<br />agavenwihttp://www.blogger.com/profile/01108829871154793489noreply@blogger.com0tag:blogger.com,1999:blog-7208255023219969127.post-79189941553789069852017-01-04T16:44:00.002-08:002017-01-04T16:44:41.278-08:00Oakmere Wealth Management Advisors: A Holistic Approach<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiHO7VwSLkYpha9rgCHs0mEq1Dr_6seMiB2VHbE3VUiSmIJ06fsFDKbwLlDXhTN5_jrD8Bls3xxFr8dim7v5ie01ZLVW-_RS3SLEYN6DsBgi69YFUnhgq_S2nNlnZV4oJbBYz3gV8zkORo/s1600/Capture.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiHO7VwSLkYpha9rgCHs0mEq1Dr_6seMiB2VHbE3VUiSmIJ06fsFDKbwLlDXhTN5_jrD8Bls3xxFr8dim7v5ie01ZLVW-_RS3SLEYN6DsBgi69YFUnhgq_S2nNlnZV4oJbBYz3gV8zkORo/s1600/Capture.JPG" /></a></div>
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<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
We advise on many aspects of
<a href="https://plus.google.com/104863858253411043190/posts/DUwjBiGcbui">wealth management</a>, helping individuals of widely differing resources or life
stages. This includes access to the exclusive range of St. James's Place
products which offer many important benefits. Perhaps the most remarkable is the
distinctive and highly successful approach to investment management.<o:p></o:p></div>
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<br /></div>
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We are also able to assist
businesses in the increasingly complex area of corporate financial planning,
from pensions through to insuring against the loss of a key Director.<o:p></o:p></div>
<div class="MsoNoSpacing">
<br /></div>
<div class="MsoNoSpacing">
Investment Planning<o:p></o:p></div>
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Personal & Corporate Tax Planning<o:p></o:p></div>
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<br /></div>
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Business Protection <o:p></o:p></div>
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Trust and Estate Planning*<o:p></o:p></div>
<div class="MsoNoSpacing">
<br /></div>
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Income Protection <o:p></o:p></div>
<div class="MsoNoSpacing">
Private Medical Insurance<o:p></o:p></div>
<div class="MsoNoSpacing">
<br /></div>
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Portfolio Management** <o:p></o:p></div>
<div class="MsoNoSpacing">
Critical Illness<o:p></o:p></div>
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<br /></div>
<div class="MsoNoSpacing">
Inheritance Tax Planning
<o:p></o:p></div>
<div class="MsoNoSpacing">
Retirement Planning<o:p></o:p></div>
<div class="MsoNoSpacing">
<br /></div>
<div class="MsoNoSpacing">
Employee Benefits
<o:p></o:p></div>
<div class="MsoNoSpacing">
Life Assurance<o:p></o:p></div>
<div class="MsoNoSpacing">
<br /></div>
<div class="MsoNoSpacing">
Pensions in Divorce service <o:p></o:p></div>
<div class="MsoNoSpacing">
Business Exit Strategy**<o:p></o:p></div>
<div class="MsoNoSpacing">
<br /></div>
<div class="MsoNoSpacing">
Trustee Investment Planning<o:p></o:p></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
Whatever your circumstances,
we can create a financial strategy personalised to the specific needs relevant
to you as an individual, your family or your business.<o:p></o:p></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<i>*Trusts are not regulated by the Financial Conduct Authority.<o:p></o:p></i></div>
<br />
<div class="MsoNoSpacing" style="text-align: justify;">
<i>**This may involve a service that is separate and distinct from those
offered by St. James's Place.<o:p></o:p></i></div>
agavenwihttp://www.blogger.com/profile/01108829871154793489noreply@blogger.com0tag:blogger.com,1999:blog-7208255023219969127.post-56191616924465396682016-12-26T16:01:00.000-08:002016-12-26T16:01:51.153-08:00Security and Risk Online on Amazon Opens Data Centers to Boost U.K. Cloud Services<div style="text-align: justify;">
(Bloomberg) -- Amazon Web Services, the cloud-hosting arm of Amazon.com Inc., opened new data centers in the U.K. as it seeks to stay abreast of competitors in <a href="http://www.onlineinfoblog.com/">offering cloud computing services</a> to government and health-care customers.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
The new data centers, announced in a statement on Wednesday, follow decisions by IBM and Microsoft Corp. in the past two months to expand their cloud computing infrastructure in the U.K.</div>
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<br /></div>
<div style="text-align: justify;">
The U.K. data region, which comprises two zones, each consisting of multiple data centers, is the 16th Amazon Web Services operates worldwide and it’s third in Europe. A fourth in France has already been announced and will open next year.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Governments are increasingly moving computing functions into the cloud. But they are often required for regulatory and security purposes to hold data within their national borders. The same applies for sensitive health-care information. Meeting these demands is one reason cloud providers are rushing to open more data centers around the globe.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
"This is a great enabler for data that has to remain in the U.K., like health-care," Chris Hayman, who manages Amazon Web Services’ British government accounts, said in an interview.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Liam Maxwell, the U.K.’s national technology adviser, said in a statement that the government had saved 3.5 billion pounds ($4.4 billion) so far by choosing to host data in the cloud rather than on its own servers.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Financial-service firms are also often concerned with minimizing the time it takes to connect to trading venues, another reason to expand in the U.K., said Teresa Carlson, vice president for worldwide public sector operations for Amazon Web Services. “The U.K. is a really important part of the world, being a center of the financial industry,” she said.</div>
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<br /></div>
<div style="text-align: justify;">
The decision to build new data centers in the U.K. predates the country’s June vote to leave the European Union, Carlson said. But giving customers the ability to store data in the U.K. has taken on increased importance since the Brexit vote as clients worry about whether British data privacy rules will diverge from European standards. “Now, whether the U.K. is in Europe or not, they have their own region,” she said.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Amazon Web Services declined to specify exactly how many facilities it operates in the country, how many people will be employed or how much money it will invest.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Karen Bradley, U.K. Secretary of State for Culture, Media and Sport, said in a statement that Amazon’s action “is a strong endorsement of our approach to the digital economy” and “shows a clear confidence in the U.K. being open for business and one of the best places in the world for technology companies to invest in and grow.”</div>
agavenwihttp://www.blogger.com/profile/01108829871154793489noreply@blogger.com0tag:blogger.com,1999:blog-7208255023219969127.post-65015963128565744992016-12-18T22:44:00.001-08:002016-12-18T22:44:35.166-08:00Oakmere Wealth Management Advisors: Chartered Financial Planner<div class="MsoNoSpacing" style="text-align: center;">
<img src="http://www.oakmerewealth.co.uk/pictures/logo1369230762.jpg" style="-webkit-user-select: none;" /></div>
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<img src="http://www.oakmerewealth.co.uk/pictures/portrait1421249071.jpg" style="-webkit-user-select: none;" /></div>
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Carla Brown graduated through
the Chartered Insurance Institute and has been awarded the title <a href="http://agavenwi15.tumblr.com/post/154667139157/oakmere-wealth-management-advisors-chartered">CharteredFinancial Planner</a> by the Chartered Insurance Institute (CII).<o:p></o:p></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<br /></div>
<div class="MsoNoSpacing" style="text-align: justify;">
Chartered Status is the
profession's gold standard for financial
planners. It confirms that every Chartered Financial Planner has completed
a suite of professional qualifications equivalent to a bachelor's degree.<o:p></o:p></div>
<div class="MsoNoSpacing" style="text-align: justify;">
<br /></div>
<br />
<div class="MsoNoSpacing" style="text-align: justify;">
It also involves a commitment
to continuing professional development and adherence to an industry standard
Code of Ethics. You can view the Code at <a href="http://www.cii.co.uk/code"><span style="color: windowtext; text-decoration: none; text-underline: none;">www.cii.co.uk/code</span></a>.<o:p></o:p></div>
agavenwihttp://www.blogger.com/profile/01108829871154793489noreply@blogger.com0tag:blogger.com,1999:blog-7208255023219969127.post-56321794384161798512016-12-15T17:04:00.001-08:002016-12-15T17:04:53.731-08:00KAORI FUCHI Tax and Consulting Services<div class="MsoNoSpacing" style="text-align: center;">
<img src="http://68.media.tumblr.com/deba085a33920fa15071eb41572471e2/tumblr_inline_oi96z3ynvn1uo3clu_500.jpg" style="-webkit-user-select: none;" /></div>
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We support companies and
individuals in all <b><span style="color: #e46c0a; mso-style-textfill-fill-alpha: 100.0%; mso-style-textfill-fill-color: #E46C0A; mso-style-textfill-fill-colortransforms: lumm=75000; mso-style-textfill-fill-themecolor: accent6; mso-themecolor: accent6; mso-themeshade: 191;"><a href="http://agavenwi15.tumblr.com/post/154527828227/kaori-fuchi-tax-and-consulting-services">tax, accounting, andpayroll matters</a></span></b> and in compliance with all Japanese laws and
regulations.<o:p></o:p></div>
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<br /></div>
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<b><span style="color: #e46c0a; mso-style-textfill-fill-alpha: 100.0%; mso-style-textfill-fill-color: #E46C0A; mso-style-textfill-fill-colortransforms: lumm=75000; mso-style-textfill-fill-themecolor: accent6; mso-themecolor: accent6; mso-themeshade: 191;">Overview of our Services</span>:<o:p></o:p></b></div>
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<br /></div>
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<span style="color: #e46c0a; mso-style-textfill-fill-alpha: 100.0%; mso-style-textfill-fill-color: #E46C0A; mso-style-textfill-fill-colortransforms: lumm=75000; mso-style-textfill-fill-themecolor: accent6; mso-themecolor: accent6; mso-themeshade: 191;">> Starting an operation
in Japan<o:p></o:p></span></div>
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<span style="color: #e46c0a; mso-style-textfill-fill-alpha: 100.0%; mso-style-textfill-fill-color: #E46C0A; mso-style-textfill-fill-colortransforms: lumm=75000; mso-style-textfill-fill-themecolor: accent6; mso-themecolor: accent6; mso-themeshade: 191;">> Bookkeeping and
reports<o:p></o:p></span></div>
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<span style="color: #e46c0a; mso-style-textfill-fill-alpha: 100.0%; mso-style-textfill-fill-color: #E46C0A; mso-style-textfill-fill-colortransforms: lumm=75000; mso-style-textfill-fill-themecolor: accent6; mso-themecolor: accent6; mso-themeshade: 191;">> Payroll services<o:p></o:p></span></div>
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<span style="color: #e46c0a; mso-style-textfill-fill-alpha: 100.0%; mso-style-textfill-fill-color: #E46C0A; mso-style-textfill-fill-colortransforms: lumm=75000; mso-style-textfill-fill-themecolor: accent6; mso-themecolor: accent6; mso-themeshade: 191;">> Corporate tax
compliance services<o:p></o:p></span></div>
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<span style="color: #e46c0a; mso-style-textfill-fill-alpha: 100.0%; mso-style-textfill-fill-color: #E46C0A; mso-style-textfill-fill-colortransforms: lumm=75000; mso-style-textfill-fill-themecolor: accent6; mso-themecolor: accent6; mso-themeshade: 191;">> Tax Auditing for
foreigners/foreign companies<o:p></o:p></span></div>
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<span style="color: #e46c0a; mso-style-textfill-fill-alpha: 100.0%; mso-style-textfill-fill-color: #E46C0A; mso-style-textfill-fill-colortransforms: lumm=75000; mso-style-textfill-fill-themecolor: accent6; mso-themecolor: accent6; mso-themeshade: 191;">> International tax
consulting services<o:p></o:p></span></div>
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<span style="color: #e46c0a; mso-style-textfill-fill-alpha: 100.0%; mso-style-textfill-fill-color: #E46C0A; mso-style-textfill-fill-colortransforms: lumm=75000; mso-style-textfill-fill-themecolor: accent6; mso-themecolor: accent6; mso-themeshade: 191;">> Expat's Tax Treatment<o:p></o:p></span></div>
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<span style="color: #e46c0a; mso-style-textfill-fill-alpha: 100.0%; mso-style-textfill-fill-color: #E46C0A; mso-style-textfill-fill-colortransforms: lumm=75000; mso-style-textfill-fill-themecolor: accent6; mso-themecolor: accent6; mso-themeshade: 191;">> Consulting for all
tax-related matters<o:p></o:p></span></div>
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<span style="color: #e46c0a; mso-style-textfill-fill-alpha: 100.0%; mso-style-textfill-fill-color: #E46C0A; mso-style-textfill-fill-colortransforms: lumm=75000; mso-style-textfill-fill-themecolor: accent6; mso-themecolor: accent6; mso-themeshade: 191;">> One Stop Service available<o:p></o:p></span></div>
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We have a range of specialists
including lawyers and judicial scriveners within our network. <o:p></o:p></div>
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Our “One Stop Service” saves
our clients time and effort.<span style="font-family: "MS Gothic"; mso-bidi-font-family: "MS Gothic";"> </span><o:p></o:p></div>
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Starting an operation in Japan<o:p></o:p></div>
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When you start a business in
Japan, it is important to choose the appropriate entity, such as a
representative office, a branch office, and/or a Japanese subsidiary.
Additionally, we provide advice and planning services concerning all issues of
your visa.<o:p></o:p></div>
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<b>Bookkeeping and Reports<o:p></o:p></b></div>
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We provide <b><span style="color: #e46c0a; mso-style-textfill-fill-alpha: 100.0%; mso-style-textfill-fill-color: #E46C0A; mso-style-textfill-fill-colortransforms: lumm=75000; mso-style-textfill-fill-themecolor: accent6; mso-themecolor: accent6; mso-themeshade: 191;">bookkeeping services</span></b> tailored to the specific needs of
our clients. <o:p></o:p></div>
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We also prepare reports in
English for foreign head offices and have an ability to contact the head office
directly through conference calls, live video, etc.<o:p></o:p></div>
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<b>Payroll Services<o:p></o:p></b></div>
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We provide payroll services
for local employees, including the calculation of withholding taxes, social
insurance premiums (pension, health care), labor insurance premiums (accident
and unemployment insurances), etc.<o:p></o:p></div>
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<b>Compliance Services<o:p></o:p></b></div>
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We provide corporate
compliance services which include the preparation of tax returns for corporate
tax, consumption tax, fixed assets tax, and business premises tax. We are able
to give expert advice on strategic tax-planning in order to minimize our
clients’ tax burdens.<o:p></o:p></div>
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<b>Tax Audit for Foreigners / foreign companies<o:p></o:p></b></div>
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In recent years, we have seen
an increase in the number of non-Japanese and foreign companies being audited
by the Japanese tax authority, sometimes with heavy penalties being imposed
only because they are unaware of the correct tax requirements. We support all
such cases and can solve these problems for you, bringing you peace of mind.<o:p></o:p></div>
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<b>International tax consulting services<o:p></o:p></b></div>
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Our international tax
consulting services include Transfer Pricing, Withholding tax treatment,
Permanent Establishment (PE), Tax Havens, Foreign Dividend Exemption Systems,
and Tax Treaties. Additionally, we have set up a tax consulting firm in Hong
Kong and provide high quality services based on our strong network within and
outside of Japan, especially in Hong Kong, Korea, and Vietnam. Be sure to
contact us if your company is looking to expand into Asian countries.<o:p></o:p></div>
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<b>Expat's Tax Treatment<o:p></o:p></b></div>
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We handle tax matters for
individual expatriates (tax returns, consulting services), as well as tax agent
duties.<o:p></o:p></div>
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<br /></div>
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Please also feel free to
contact us about the handling of non-resident and non-permanent resident tax
matters.<o:p></o:p></div>
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We offer an inexpensive
alternative to the major tax accounting firms, while still maintaining
consistent quality through tax treaty applications and the processing of
foreign income tax credits.<o:p></o:p></div>
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<b>Consulting for all tax-related matters<o:p></o:p></b></div>
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All manners of tax consulting
services are available upon our clients’ request, including the calculation of
deferred tax assets and liabilities, attendance at a tax audit, preparation of
transfer-price study reports, the filing of applications related to tax
treaties, the appointing of a tax representative for foreigners, and the
preparation of inheritance tax returns, etc.<o:p></o:p></div>
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<b>Our Fee<o:p></o:p></b></div>
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Initial Tax Consulting rate:
30,000yen / 60min.<o:p></o:p></div>
agavenwihttp://www.blogger.com/profile/01108829871154793489noreply@blogger.com0tag:blogger.com,1999:blog-7208255023219969127.post-49693151024515553242016-11-24T22:58:00.000-08:002016-11-24T22:58:23.025-08:00Online Fraud Detection on How and why people commit efraud<div style="text-align: center;">
</div>
Pressure, opportunity and rationalization form the fraud triangle, which <a href="http://www.onlineinfoblog.com/">information technology security experts</a> now believe are reasons why people commit electronic fraud.<br /><br />Also, the people factor in e-payment fraud is increasing, with greed said to be responsible for 67% of fraud cases in 2015, while other causes included problems from debts and gambling, according to Dele Adeyinka, chief digital officer, Wema Bank Plc.<br /><br />In a presentation, at 7th annual payment systems & fraud conference held in Lagos recently, Adeyinka, said that explanation behind fraud needs to take account of various factors, particularly, from the fraudster’s perspective.<br /><br />He cautioned that individuals, financial institutions, other corporate bodies and the Government, must take serious the motivation of potential offenders; conditions under which people can rationalize their prospective crimes away and opportunities to commit crime(s); technical ability of the fraudster and expected and actual risk of discovery after the fraud has been carried out, as practical steps to nib in the bud e-payment frauds.<br /><br />“A common model that brings together a number of the reasons why people commit fraud is the Fraud Triangle. This model is built on the premise that fraud is likely to result from a combination of three factors: perceived pressure; opportunity and rationalization.<br /><br />“Perceived Pressure: typically based on either greed or need. Greed is said to be responsible for 67% of fraud cases in 2015. Other causes included problems from debts and gambling.<br /><br />“Opportunity: Fraud is more likely in companies where there is a weak internal control system, poor security over company property, little fear of exposure and likelihood of detection, or unclear policies with regard to acceptable behaviour. Research has shown that some employees are totally honest, some are totally dishonest, but that many are swayed by opportunity. Rationalization: Some people may be able to rationalize fraudulent actions as: necessary– especially when done for the business; harmless –because the victim is large enough to absorb the impact and justified- because ‘the victim deserved it’ or ‘because I was mistreated,’” he said.<br /><br />Also speaking, Kyari Bukar managing director of CSCS, highlighted the need for the industry to take a closer look at the block chain Technology, Internet of Things (IoTs) and big Data analysis.<br /><br />He averred that the future of payment lies in harnessing the benefits these latest technologies bring, especially in the fight against fraud.<br /><br />Speakers at the conference which had over 200 high level participation from top industry experts and public sector including the Nigerian Naval Force, FRSC, members of CeBIH, ISSAN, CCCOBIN, E-PPAN, commercial banks, E-payment providers, media houses, IT organizations, research firms, academia, audit firms, mobile payment service providers, government agencies, etc, agreed that to tackle e-payment fraud, emphasis must be on the ‘people, process and technology’.agavenwihttp://www.blogger.com/profile/01108829871154793489noreply@blogger.com0tag:blogger.com,1999:blog-7208255023219969127.post-78222974471218323252016-11-20T17:10:00.000-08:002016-11-20T17:10:12.208-08:00Why CRIB Advisors Mentors Singapore, Women networking Singapore?<b>The Issue</b><br /><br /><i> Challenges Women Face Today</i><br />· No Work-Life Balance<br />· Loss of Financial Independence<br />· Lack of Career Fulfillment<br />· Low Fertility Rate<br /><br />Women today are smart, educated and talented, and want to have a fulfilling career. But family is equally, if not more, important. Achieving work-life balance is a struggle for many. Single mothers are a particular subset of women who face significant challenges as the primary caregiver and breadwinner for their families.<br /><br />Today’s career women are continually challenged by the demands of full-time work. The majorities are working 40- 45 hour weeks, and almost every working mother wishes they had more time to spend with their children. On the other hand, mothers who make a decision to leave the workforce face the challenges of a drop in household income alongside rising costs of living, and sometimes a sense of loss of self-fulfillment or identity in giving up their careers.<br /><br />Those who want to want to return to work when their children are older face difficulties in doing so. Meanwhile, the economy loses the contribution of many capable, highly-educated women. Due to these considerations, mothers-to-be often choose to delay starting a family. Singapore’s low Total Fertility Rate (TFR) is recognized as a top concern for Singapore’s future. Despite several incentive programs, married couples seem reluctant to procreate or to have more than two children.<br /><br /><b>The Solutions</b><br /><br />· CRIB values the ability of women to make the best choices for themselves and their families.<br />· For some women, becoming an entrepreneur may be the answer to achieving the perfect balance between family and career.<br />· Being a business owner offers women an opportunity to achieve work-life balance.<br />· This doesn’t mean working less hard or being less productive, it’s about having the flexibility to make family a priority.<br /><br /><b>How We Do It</b><br /><br /><b>Crib Society</b><br />Our business community of like-minded, experienced women entrepreneurs creates the opportunity to exchange ideas and find inspiration and support from other successful women.<br /><br /><b>Crib Match</b><br /><br />Our matchmaking programme allows entrepreneurs to find complementary partners to launch a business.<br /><br /><b>Crib Incubator</b><br /><br />Our business incubator programme will provide <a href="http://www.crib.com.sg/">CRIB entrepreneurs</a> with invaluable mentorship from industry leaders, access to funding and a trusted network of resources to create successful, viable businesses.<br /><br /><b>Result</b><br /><br />Women entrepreneurs in supportive business partnerships are able to have a career while still having control over time and choices.<br /><br /><b>Positive Social Impacts</b><br /><b>New Exciting Business</b><br /><br />Exciting and viable new businesses come into existence, including innovative social enterprises.<br /><br /><b>Return of Latent Workforce to Economy</b><br /><br />Together with the return of the latent workforce to the economy, including mid-career professionals, women are able to make a significant contribution to society.<br /><br /><b>Higher Fertility Rate</b><br /><br />Eventually these women entrepreneurs create jobs that provide work-life balance to their employees, contributing to a societal mindset shift that will spread to the corporate world as well. All this, we hope, will lead to more babies!agavenwihttp://www.blogger.com/profile/01108829871154793489noreply@blogger.com0tag:blogger.com,1999:blog-7208255023219969127.post-53573277247172601002016-10-24T16:46:00.002-07:002016-10-24T16:46:23.329-07:00New Mothers Support Group Singapore: Sensory Play & Art at TanderraRecognized as a fundamental element to early development, sensory play and art sessions at Tanderra are a fun way for your child to be engaged and messy in a safe, child focused environment.<br /><br />Facilitated by qualified early childhood educators, sessions include water, paint, sand and more, and offer children an opportunity to stimulate their senses as they discover and explore the world around them.<br /><br />This event will take place on the 1st Friday of every month.<br /><br /><b>Ages:</b> 6 months to 3 years <br /><b>Time:</b> 9.30am to 11.00am <br /><b>Cost:</b> $15/child (includes tea/coffee for mum)<br /><br />Please register for this event via the NMSG Meetup group<br /><br /><a href="http://www.nmsg-singapore.com/">New Mothers Support Group Singapore</a> looks forward to seeing you there.<br /><br />Location: Art Pegola @ Tanderra, Block 73 Loewen Road, #0121, Singapore 248843 <a href="http://www.tanderrasingapore.com/">www.tanderrasingapore.com</a><br /><br /><b>Dates 2016</b><div>
Friday 2 September <br />Friday 7 October<br />Friday 4 November <br />Friday 2 December <br /><br /><b>Organizer</b><br />Nicole O'Connor</div>
agavenwihttp://www.blogger.com/profile/01108829871154793489noreply@blogger.com0tag:blogger.com,1999:blog-7208255023219969127.post-39764334168297330092016-09-15T18:49:00.001-07:002016-09-15T18:49:03.060-07:00 Fraud Detection Solutions : How to prevent Bitcoin fraud?<div class="MsoNormal">
<a href="http://www.fraudlabspro.com/tutorials/how-to-prevent-bitcoin-fraud"><span style="font-family: "Arial","sans-serif";">Bitcoin (BTC)</span></a><span style="font-family: "Arial","sans-serif";"> is an anonymous electronic payment
that acts like cash. There is no chargeback or Bitcoin fraud in BTC
transactions.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";">However,
there is a possibility that service providers such as </span><a href="http://www.fraudlabspro.com/"><span style="font-family: "Arial","sans-serif";">web
hosting</span></a><span style="font-family: "Arial","sans-serif";"> suffered from
abuse of services by customers using BTC as anonymous payment method. </span><a href="http://www.fraudlabspro.com/articles"><span style="font-family: "Arial","sans-serif";">FraudLabs
Pro</span></a><span style="font-family: "Arial","sans-serif";"> can help you to
screen out these high-risk customers.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";">Below is the
recommended rules to screen BTC customers using FraudLabs Pro.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="margin-left: 22.5pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;">1.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif";">If
<b>Visitor IP </b>is in <b>Anonymous Proxy Record</b>, then trigger
manual review.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 22.5pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;">2.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif";">If
<b>Visitor IP</b> is in <b>Blacklisted Record</b>, then trigger manual
review.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 22.5pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;">3.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif";">If
<b>Device IP</b> is in <b>Blacklisted Record</b>, then trigger manual review.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 22.5pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;">4.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif";">If
<b>ISP Usage Type</b> is <b>Data Center/Web Hosting/Transit</b> or <b>Content Delivery Network</b>, then trigger
manual review.<o:p></o:p></span></div>
<br />
<div class="MsoListParagraphCxSpLast" style="margin-left: 22.5pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;">5.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif";">If
<b>Distance Between Visitor City &
Shipping City > 100 miles</b>, then trigger manual review.<o:p></o:p></span></div>
agavenwihttp://www.blogger.com/profile/01108829871154793489noreply@blogger.com0