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

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

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

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

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

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

Coalition Against Insurance Fraud: Slip and falls, the big waste

Scams suddenly real when guy fakes tumble during bus ride

Imagine coming home from a long day at work. You climb on a full bus. Soon the vehicle suddenly screeches to a halt. An elderly man outside falls onto the pavement. The bus hit him at a stop light, he screams in seeming pain. The passengers have to clear out, and you’re still a mile from home.

You hear ambulance sirens rushing to the scene. Yet nobody’s fooled. Children and adult passengers are calling out this fraudster. They’re yelling things like, “He just wants to get money!”

You remember sitting in the front of the bus, and it never touched the man … at all. No bump, no thump.

If you’re wondering if that insurance grab happened … it did … to me.

I’m an insurance-fraud researcher with the Coalition Against Insurance Fraud. I read about and see videos of fraudsters faking slip and falls all the time. They seemed like a fantasy until I saw this guy’s scam first-hand.

Slip-and-fall cons may steal billions of dollars a year. Honest businesses are sued. They pay in higher premiums. We pay in higher prices at the cash register.

Some fraudsters place liquid detergent or other slippery stuff on supermarket floors. They sit down on the floor and scream they slipped on the mess. They’re blithely unaware that security cams record every false move.

Selena Edwards of California claimed a scalding cup of hot coffee with a loose lid slipped off and burned her hand at a McDonald’s drive-thru. But she’d used a photo of someone else’s burned hand. And her medical records also were forged. Edwards was convicted.

Some consumers even joke about it on social media.

Slip-and-falls are a quick way to make big bucks, people often yack. Search the hash tag #BoutToSlip on Twitter. You’ll see youngsters joking about slipping and falling to claim insurance money. This kind of peer-to-peer chatter can egg others to fake a money-grabbing slips.

Or check out the #insurancefraud hash tags on Vine and Instagram. Plenty of quick videos of young people joking how to pay college tuition by scamming insurers with bogus tumbles.

My experience on the bus plus my research with the Coalition made one thing clear: Slip-and-falls are a big waste for everyone. This is especially true of scammers who end up with permanent criminal records after their cons slipped, fell and broke.

Moss Adams Business Consultants: Sustainability Audits

Whether an internal goal or the result of customer demand, sustainability initiatives are changing the business landscape. We'll help you document your efforts and uncover valuable related incentives.

CORPORATE SOCIAL RESPONSIBILITY

Expectations are changing. Are you changing with them?

Corporate social responsibility reporting is quickly becoming standard. Costco, Walmart, Microsoft, and other US companies are aggressively greening their supply chains, resulting in a raising of the bar for hundreds of thousands of companies who sell through retail channels or provide services to those channels.

What’s more, consumer surveys demonstrate a growing buyer preference for environmentally and socially responsible products and services. Strategies for improved sustainability have become critical for ensuring marketplace success, attracting the best employees, and gaining community acceptance.

RELY ON THE RIGHT EXPERTISE

From working with you to develop a program to helping you make your existing one more robust and meaningful, Moss Adams LLP provides a wide range of sustainability reporting solutions, including:

·         Planning and consulting for tax credits, funding grants, and accelerated depreciation for projects meeting environmentally friendly criteria in building construction, renewable energy, waste reduction, and other areas

·         Assistance in meeting supply chain reporting requirements of major customers, including providing independent assurance on reports where required

·         Corporate social responsibility reporting, including defining key performance indicators and establishing data collection and control systems to support business strategy and reporting

·         Independent assurance services on corporate social responsibility reports

·         Planning, compliance, and supply chain assessments/reporting related to the California Transparency in Supply Chains Act

INDUSTRY-SPECIFIC SOLUTIONS

Our professionals specialize in a large cross section of industries. This helps us understand your industry-specific issues, giving us deeper insight into the key performance indicators and data collection systems necessary to support your corporate social responsibility and supply chain reporting requirements.

Moss Adams Business Consultants: Investment Banking

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

MOSS ADAMS CAPITAL

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

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

SERVING THE MIDDLE MARKET SINCE 1913

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

Tips for searching the ideal commercial property by Bacall Development

Some say that location is the most important thing when looking for the perfect property for your business. But Bacall Development claims that there are other essential things to consider that are just or even more important as location. Looking for the perfect property for your business can be arduous, so the Bacall team suggests the following to help you find the right commercial property.

Location

Reviews show that location holds great importance to some business, but not to every business out there because it depends on the kind of business you have. For instance, location can set a great difference and can greatly contribute to the success or failure of your business in case you depend on customer contact in a retail setting. You must be in a place that is accessible and easy to find.

You may choose a serene location if you don't see clients often at your site to offer a peaceful environment to your staff. With this, they can be more focused to finish their jobs. Bacall Development recommends a home office if you don't have any employees on site and don't expect visits from customers. This way, you can save on operating costs and provide potential tax savings.

Size

Make sure that the property fits your business well and works for the kind of business you have. Size is an important factor whether you're just starting out or moving your business. If the site can accommodate your business then it can be an excellent choice for you. In order to avoid any added expense because of retrofitting, see to it that the place has been outfitted with wiring to meet your electrical and communication needs. Knowing the zoning ordinances of the area is also considered necessary.

Surroundings

Does the location of the property has a good neighborhood? Bacall Development needs you to prioritize the growth of your business, so even though the rent is high but the location is accessible and suits your needs, it is worth your money. Placing your business near similar businesses can do you good if you have a retail business. Consider a place that is convenient for your customers and offers the chance to combine trips and errands. Parking, safety, and traffic also have great influence to potential customers, so put them into mind. Comfort and safety are crucial for your customers and employees, so see to it that you will choose a property that offers both.

Cost

Is the property affordable to you? Begin looking at a commercial property for your business after having a particular budget in mind. Bacall associates rental suggests that you consider different alternatives such as renting an existing space, buying a lot and have control over the construction and design, and leasing a build-to-suit. You can buy an affordable piece of property for your business by stopping at the courthouse to get a list of business closings or property foreclosures.

Availability

Check if the property is really out there. You can schedule a consultation with a real estate broker to help you lessen your options in case you're not certain how to find a commercial property. Going in person is also advisable if you're going to visit some locations that caught your interest. This can help you do some evaluation on some issues that may affect your business such as competition, traffic, and overall convenience. Bacall Development recommends the use of online searching at real estate websites if you want to see what is available on the market without exerting too much effort.

Keep in mind that a good commercial property does not stay available for long, so be prepared to act quickly if you find one that really matches your business needs.

International Financial Corporation Commits up to $200 million to IFC Emerging Asia Fund

International Financial Corporation Securities Regulatory Commission World Bank Group

IFC, a member of the World Bank Group, has committed up to $200 million to the IFC Emerging Asia Fund (EAF), which this week reached a first close. IFC is joined by the Korea Development Bank (KDB) and the Fiji National Provident Fund (FNPF).

Central to the EAF is mobilizing additional capital in emerging markets of the Asia region, given the scale of investment, innovation, technological development and employment creation required for sustainable development in many low and middle income countries in the region falls beyond the range of the public sector, making the private sector central to finding and financing the development solutions that are needed.  

Investments by the EAF will be aligned to IFC’s strategy for the region, which includes a focus on addressing the infrastructure deficit, and at the same time it will also help investee companies raise standards, improve risk mitigation and generate value.  

“We are excited by the equity opportunities we see in emerging Asia and delivering further development impact through our clients,” said IFC Regional Director East Asia and Pacific, Vivek Pathak. “We are very pleased that major institutional investors such as KDB and FNPF are partnering with us to further IFC’s support of private sector development.”

The new global architecture for international development, the Sustainable Development Goals, launched at the United Nations in 2015, highlights that financing sustainable development requires low and middle income countries tap new sources of capital from both private and public sources, including leveraging global private capital to most skillful effect.

Two thirds of the world’s poorest people live in emerging Asia and yet it is the engine room of global growth being the fastest growing region and the largest continental economy by GDP in the world. This growth is a function of favorable dynamics such as the continued need for enhanced infrastructure, the emergence of a rapidly growing middle class and commitments by many governments in the region to political and economic reform.  Combined, these dynamics have created significant opportunities for investment in the region including China, India, Indonesia, Philippines and Asian frontier markets such as Vietnam and Myanmar.

About IFC

IFC, a member of the World Bank Group, is the largest global development institution focused on the private sector in emerging markets. Working with more than 2,000 businesses worldwide, we use our capital, expertise, and influence, to create opportunity where it’s needed most. In FY15, our long-term investments in developing countries rose to nearly $18 billion, helping the private sector play an essential role in the global effort to end extreme poverty and boost shared prosperity. For more information, visit www.ifc.org

Tips for taking care of bespoke furniture - Hamilton Marsden Shop Review

Most homeowners today prefer to extend the lifespan of their bespoke furniture and maintain its appearance and functionality to treasure them for many more years to come. Due to the climatic conditions of your home, wood is often prone to changes in movement and color because of its natural characteristics. Eric Earl Hamilton Marsden will provide specific tips on how to take care of bespoke furniture made from wood in the subsequent paragraphs. Following these simple tips prepared by the team will help you reduce the damaging effects of such changes to your bespoke furniture.

Avoid direct sunlight

Eric Earl Hamilton Marsden's review regarding this matter was discussed in their previous posts, but the team will elucidate again the importance of keeping away your furniture from direct sunlight. It is apparent that there are damaging effects to the furniture once it is exposed to direct sunlight for a long period of time such as cracking and expansion. Shrinkage can also happen to the furniture if the wood dries out because of heat. Strong sunlight can result to bleaching and crumbling of the finish applied to the furniture. The use of shades, blinds and shutters are recommended to control the effect of sunlight to your furniture.

Maintain proper humidity

To keep the wood in good condition, do not let it dry out because it needs a good amount of moisture since it is partly composed of water. If the climate is in average condition, keeping a small bowl of water or a plant in the same room is enough for your furniture. But if the weather is very dry, a humidifier is needed to maintain the proper humidity of your home.

Keep out on sources of heat

Placing your bespoke furniture near or front of radiators, open fires or any other source of heat is not advisable. Turning on or off the sources of heat can result in a change in temperature which can greatly affect the dimensional stability of the bespoke furniture. As previously stated, heat can dry out the furniture and it is not good for its condition.

Use coasters or mats

Don't place hot or cold drinks, plates and crockery directly on the wooden furniture. It’s better to use coasters or mats under such items because even a glass of water can cause damage to the furniture due to the moisture condensing from the air around and underneath the glass entering the surface and causing discoloration.

Put protective pads under fixed items

You should put protective cork or felt pads fitted underneath the items that you are using for decorating your home such as bowls, figurines, ornaments, and vases, which are sitting on the furniture for a long period of time. It's also wise to regularly move such items to prevent any discoloration on your bespoke furniture.

Clean regularly

You can remove marks on the bespoke furniture by using a lightly moistened cloth, and dry it with another cloth such as a soft microfiber cloth. Eric Earl Hamilton Marsden recommends dusting regularly to maintain the good condition of the furniture.

Quickly handle spillages

Use a clean and lightly moistened cloth to remove spillages of drinks or food on your furniture, and then dry the surface with a clean dry cloth. You must act quickly when there are spillages on your furniture because it will be impossible to completely remove them once they are left alone for a long period of time.

Silicone spray polishes are a no-no

After a certain period of time, aerosol spray polishes that contain silicone will just have a bad effect on the finish of bespoke furniture, so it's better not to use them on your furniture.

Don't use abrasive or chemical cleaners

Instead of using abrasive cleaners such as a cream cleaner, it's better to consult the maker of the furniture when your furniture needs careful attention because once those cleaners are applied to the furniture they will remove a thin layer of the material. You should not also use chemical cleaners such as stain removers and solvents on your bespoke furniture.

Control the temperature and humidity

Taking care of bespoke furniture is easy if you just keep the temperature and humidity of your home at relatively stable levels throughout the year.

In addition, Eric Earl Hamilton Marsden suggests following some tips on buying online to help you find quality bespoke furniture that will surely last for several years. It's simple to take care of bespoke furniture, simply follow those tips mentioned above and you will surely enjoy your furniture for many more years.

Bacall Development: The benefits of investing in commercial property

Safety is the main reason why some people invest in commercial property since it's the main interest of many. Based on recent reviews, commercial property will still perform for you even if the economy slows down, unlike in residential property. And when the economy is strong, commercial property increases its value and gives you a stable income.

But if you're still in doubt or just planning to start out in this venture, Bacall Development explains the benefits you can gain from investing in commercial property through the following paragraphs to help you make up your mind. The firm is a full-service commercial real estate company that has been involved in this field for decades.

Strong returns are not a surprise to some when it comes to commercial property. You can gain both income and capital growth in a commercial property since it provides strong and reliable returns. However, making a quick gain shouldn't be your only objective because this endeavor requires great effort and patience. You should take advantage of a growing investment over time where you can get a return consistently above inflation.

Aside from higher returns, commercial property is oftentimes more secure - a crucial point to others that can result in a steady income. Leasing commercial real estate usually ranges from three to ten years as opposed to short-term leases of residential properties.

Because of the mentioned benefits above, reviews state that the risk is lesser if you invest in commercial property than in residential property or the stock market. This data is based on overall analysis of both properties.

According to Bacall Development and its associates, commercial property can catch the attention of different sectors in the economy. Because of the dependence of retail property on consumer spending trends, it has the highest direct relationship to the economy, along with industrial properties. Office buildings are most likely to perform depending on long-term supply and demand. Exposure to various sectors can deliver great benefits to you and to avoid fraud as well.

Acquiring tax benefits is imaginable with a commercial property. Most commercial properties attract handy building allowances as well as depreciation allowances on plant equipment within the building.

Protection against inflation is also one of the benefits of investing in commercial property. Reviews reveal that commercial property has been considered as a good protection against inflation over the years. It has a good record of outpacing inflation over a long period of time.

Investment control? Yes, it's possible. You have a significant level of control over your investment in case you're an owner of a direct property. You have control on various areas such as change of use for the property, disposal, redevelopment, renovations, the terms of the lease, the type of tenant, and upgrading.

Furthermore, you have the ability to add value in a commercial property investment through improvement of the appearance, renovation, lease restructure, subdivision or enlargement, and upgrade. You can further leverage your commercial investments as you improve the property and it grows in value. By borrowing more against your improved equity, you can quickly be in a position to control a sizeable portfolio of properties.

However, Bacall Development needs you to know that there are still disadvantages in owning commercial properties. What are mentioned above could be the total opposite to others based on their individual experience. The firm suggests that you must choose the right commercial property to have a strong capital growth and gain a great rental return. You must know what makes a good commercial property.

We comment on IOSCO's non-GAAP financial measures - International Organization of Financial Securities Regulatory Commission

Deloitte Touche Tohmatsu Limited has responded to the International Organization of Securities Commissions' Consultation 'Proposed Statement on Non-GAAP Financial Measures'. We support addressing the issue of non-GAAP financial measures at a global level as it is pervasive, and believe it is in the best interests of global securities markets if the proposed statement applied consistently in all IOSCO jurisdictions and is not overlaid with local guidance.

The comment letter makes a number of additional points, including:

·         For the proposed statement to have maximum effect, we encourage IOSCO to develop a common definition of 'non-GAAP financial measure' and to determine which such measures should be subject to the common discipline

·         It is important for the efficient operation of global capital markets that national and regional guidance is consistent and does not contradict the requirements of globally-recognised financial reporting frameworks

·         We agree that the proposed statement should apply to 'any non-GAAP financial measure wherever the measure is disclosed outside of the financial statements' as it recognises standard-setters' responsibility in relation to financial statements, and is a way of achieving consistency in the use of non-GAAP financial measures across the annual report as a whole, but suggest that IOSCO works with the IASB to clarify what is considered to be an 'IFRS measure'

·         We encourage IOSCO to determine a consistent scope, application and enforcement of the proposed statement, as it is assumed that it would encompass information on websites and other non-regulated information, and some securities market regulators regulate press releases and web-based material, but others do not.

41 Amazing Internet Security Blogs - Heimdal Security Company

Introduction

How do we stay up-to-date with the latest security news? Where do we find the best security solutions to fight malware? Who can we follow to learn about the latest threats and online attacks so that we can protect ourselves?

With security in our minds, no matter we are common people or a big company name, we need to understand technology if we want to prevent data loss and privacy breaches.

But with so many security blogs out there, which one should we follow?

We have put together a list of security blogs from independent individuals and big names in the IT industry, so that you can benefit from their knowledge and insight. Therefore, if you need best practices, how-to articles, online safety research or the latest security news, feel free to bookmark this article and access it whenever you feel necessary.

1. Krebs on Security

Brian Krebs is the man behind Krebs on Security. Being hacked himself in 2001, he takes a personal interest in online security and is one of the well-known names in today’s security landscape. He covers topics from latest threats, privacy breaches and cyber-criminals to major security news.

2. Schneier on Security

Bruce Schneider is probably the most well-known name that you can recognize in our list, and was even called a “security guru” by The Economist. He wrote books, hundreds of articles, essays and security papers on security matters. At the same time, he is a known figure in the media environment which recognize him as an important voice for the online security, not only for his knowledge on the matter, but also because he knows how to express his opinions.

3. TaoSecurity

This security blog is run by Richard Bejtlich, Chief Security Officer at Mandiant and author of many books on security. With an extensive background on cyber-criminal world and malicious attacks on enterprise networks, he shares his experience on digital defense, network monitoring and detection on his security blog. Since a great number of network attacks come from China, he is specialized on Chinese online criminals.

4. US-CERT

This is the official website of the Department of Homeland Security, from USA.

Though it is not a classical security blog, its purpose is to improve Internet security by providing specialized and well detailed information on cyber-criminal activities, malware, phishing attempts and online threats. To use their own words: “US-CERT strives for a safer, stronger Internet for all Americans by responding to major incidents, analyzing threats, and exchanging critical cyber-security information with trusted partners around the world.”

5. Dark Reading

Dark Reading is a widely-read cyber security site that addresses professionals from the IT environment, security researchers and technology specialists. They use their experience and knowledge to provide articles, recommendations, news and information on IT security.

6. CIO

CIO is the place where you find news, information technology articles, insight and analysis on major data breaches and online threats. Covering multiple aspects of world wide web, it provides in-depth, content rich information for IT professionals and normal users.

7. Network Security Blog

Martin McKeay is the voice of this security blog, where you can find information and news on privacy and security issues. As Martin says: “I took up blogging as a means to extend my knowledge and test my ideas about security…”.

8. Security Watch with Neil Rubenking

Known for his direct and witty style, Neil Rubenking is the man you have to listen if you search for technical advice on the main security solutions, from firewalls, antivirus and antispam products to full security suites. Detailed reports and sharp analysis of security programs place him be on your follow list if you look for this type if information.

9. Paul’s Security Weekly

Paul’s Security Weekly, founded by Paul Asadoorian, brings you security news, useful technical articles, research studies and valuable information on hacking and cyber-crime through various channels, from blog posts, videos to podcasts.

10. PCMag.com

One of the most popular sites in the software industry, PC Magazine comes with reviews and studies on the latest products for online security. For an objective analysis of a product you may be looking, don’t forget to look for the dedicated article on this website.

Continue reading

Insurance Claim Investigators in Portugal

Claims Investigators Singapore

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

·         Fraud claim investigations and insurance fraud investigation in Portugal

·         Life insurance claim investigations in Portugal

·         Accidental benefits/death claim investigations in Portugal

·         Property loss claim investigations in Portugal

·         Travel insurance claim investigations in Portugal

·         Third-party claim investigations in Portugal

·         Medical claim investigations in Portugal

·         Personal claim investigations in Portugal

·         Theft claim investigations in Portugal

·         Subrogation and recovery investigations in Portugal

·         Contestable death investigations in Portugal

·         Fatal accident investigations in Portugal

·         Motor vehicle crash investigation in Portugal

·         Recovery of stolen vehicles in Portugal

·         Insurance litigation support in Portugal

Our associates are very well experienced in fraud insurance claim investigations and well known in their respective locale consequently we can give you the best and prompt service. Indeed we cover all over Portugal including Lisbon, Porto, Amadora, Braga, Setubal, Coimbra, Queluz, Funchal, Vila Nova de Gaia, Loures, Rio de Mouro, Odivelas, Aveiro, Amora, Corroios. Kindly contact us on our email: info@claiminvestigators.com according to your requirement respectively.

Insurance Claim Investigators in Hungary

Claims Investigators Singapore

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

·         Fraud claim investigations and insurance fraud investigation in Hungary

·         Life insurance claim investigations in Hungary

·         Accidental benefits/death claim investigations in Hungary

·         Property loss claim investigations in Hungary

·         Travel insurance claim investigations in Hungary

·         Third-party claim investigations in Hungary

·         Medical claim investigations in Hungary

·         Personal claim investigations in Hungary

·         Theft claim investigations in Hungary

·         Subrogation and recovery investigations in Hungary

·         Contestable death investigations in Hungary

·         Fatal accident investigations in Hungary

·         Motor vehicle crash investigation in Hungary

·         Recovery of stolen vehicles in Hungary

·         Insurance litigation support in Hungary

Our associates are very well experienced in fraud insurance claim investigations and well known in their respective locale consequently we can give you the best and prompt service. Indeed we cover all over Hungary including Budapest, Debrecen, Miskolc, Szeged, Pecs, Gyor, Nyiregyhaza, Kecskemet, Szekesfehervar, Szombathely, Szolnok, Tatabanya, Kaposvar, Bekescsaba, Zalaegerszeg. Kindly contact us on our email: info@claiminvestigators.com according to your requirement respectively.

Claims Investigators Singapore: Medi Claims Investigations

The medical claim insurance is one of the common policies worldwide and some people take it a step further to gain it through fake claims. Many people planned on daily basis to pursue for fake claims and in fact can go up to fake their own deaths. Our professional claims investigators possess decades of vast experience and have established a proven reputation in the insurance industry for exposing fraudulent applications of medical claims. Insurance companies are bleeding as far as Medi-claims are concerned and companies are paying interest in uncountable dollars on the above claims per day. We have a dedicated team of investigators who are well versed with the kinds of investigating frauds under the Medi-claims. Our strategies to defraud the Medi-claim include each aspects of the case:

·         Reason to need for health care services, we shall investigate detailed records of treatments. Include all dates, locations, which provided the treatments, what services have been received, and what medicine, supplies or equipment were provided. These are mandatory to know the actual expenses have been occurred.

·         The interviews will be taken carefully by insurer to review the billing and summary statements of treatment. We shall include the dates, doctor prescription, name of the service provider and each minor point to find out the truth.

·         The ghost patients are very common and our professionals can identify ghost patients or the patients who are disguising the insurance company. Sometimes, during this kind of investigation, the insurance surveillance is required.

·         Lack of Medical Necessity where patients try to pretend sick or take illegitimate help from doctors.

·         The patients can make false certification; we shall verify each certificate or prescription from all authorities.

Medi-claim frauds can be fabricated via fraudulent physician’s prescriptions, false documents, false bills, exaggerated claims etc. However, our responsibility is to show you the truth and to find out the real facts. Moreover, the insurance fraud is increasing day by day and our responsibility is to change the modus operandi in each matter for staying above from the fraudulent thinking. To know more about our services, please do contact us anytime. We are reachable through email and direct telephonic consultation.Kindly contact us on info@claiminvestigators.com according to your requirement respectively.

Global Singapore Visa processing tips: Immigration Fraud

Don’t be the victim of a scam

If the offer seems too good to be true, it probably is.

Beware of immigration fraud and scams

You may have seen advertisements that promise work permits and guarantee high-paying jobs in Canada. Some offer scholarships to study at Canadian universities or colleges. Potential newcomers to Canada should be aware that many offers like these are fraudulent. In fact, using the services of people who make such promises may result in your application to Canada being rejected.

Canada’s immigration system is based on fairness. Every application receives equal consideration. No one has special connections, and no one can promise your application will be given special treatment or guarantee that it will be approved.

What you need to know

·         You are not obliged to hire a representative, including a consultant, lawyer, Quebec notary or paralegal regulated by a law society, to apply for a visa or for Canadian citizenship, but if you do, choose carefully.

·         Representatives do not have special connections with Canadian government officials and cannot guarantee you a visa. Nobody can guarantee you a visa.

·         Only Citizenship and Immigration Canada (CIC) officers can decide whether or not to issue a visa. Don’t be tempted into using false documents. It is a serious crime to misrepresent yourself by making false statements or submitting false documents when dealing with CIC. If you do this, your application will be refused. You will also face serious consequences. Depending on the situation, these may include:

1.       no entry into Canada for at least five years;

2.       a permanent record of fraud in CIC’s database;

3.       revocation of your permanent resident status or Canadian citizenship;

4.       being charged with a crime; or

5.       removal from Canada.

·         Do not enter into a marriage that is not genuine in order to obtain permanent residence in Canada. Beware of Internet scams and false websites. The official CIC website is www.cic.gc.ca.

·         You will find free information for any type of visa on CIC’s website.

·         Processing fees are the same at all Canadian visa offices around the world. Fees in local currency are based on official exchange rates and correspond with the standard fee charged in Canadian dollars.

·         Canadian visa offices will never ask you to deposit money into an individual’s personal bank account or to transfer money through aspecific private money transfer company.

·         If you have questions, contact CIC or the visa office responsible for your area.

Choosing a representative, a consultant or a lawyer

If you do decide to hire a representative, choose carefully:

·         Ask someone you trust to recommend someone;

·         Talk to several representatives before you decide which one to hire; check references and find out how long they have been in business;

·         Make sure you understand exactly what services they will provide, and how much they will charge you. Get this information in writing.

·         Make sure they are authorized by the Government of Canada.

The only people authorized by the Government of Canada to charge a fee to represent or advise you on immigration, refugee and citizenship matters are:

·         lawyers and paralegals who are members in good standing of a Canadian provincial or territorial law society;

·         Notaries Who are members in good standing of the Chambre des notaries du Québec; and

·         citizenship or immigration consultants who are members in good standing of the Immigration Consultants of Canada Regulatory Council.

The Government of Canada will not deal with unauthorized representatives who charge a fee for their services.

To find out whether the person you are thinking of hiring to represent you is authorized by the Government of Canada, ask if they are members of one of the organizations listed above. You can then check with the organization to make sure the person is a member in good standing. Contact information for all of these organizations can be found on the CIC website at immigration.gc.ca/antifraud.

Once you have chosen a representative, make sure the representative updates you on your application on a regular basis. Remember—you must accept responsibility for all the information in your application whether you complete it or it is completed by your representative. It is against the law to give false or misleading information to Citizenship and Immigration Canada.

Who We Are at Hill & Associates

Our Story

Hill & Associates has been operating for more than 20 years, with offices in China, Hong Kong, Singapore, India, Indonesia, Malaysia, Thailand, and Vietnam.

We are owned by G4S plc, the world’s largest private security company, but operate completely independently. Our management, legal and information technology structures are protected by inter-company agreements to protect confidential client information.

Our Team

Our strength is the breadth of our Asia-based team and depth of local knowledge. Our staff of more than 150 includes experts from around the world in fields ranging from law, accounting and banking to military, intelligence and computer forensics. All adhere to strict ethical and internal codes of conduct. Discretion, effectiveness and professionalism make our team – individually and as a unit – your trusted adviser.

Meet some of our team members.

Neil Marshall

Managing Director

Neil has more than 30 years of experience in security and business risk consulting across Asia, Africa and the Middle East. He helps corporate clients manage internal fraud matters, labor and commercial relationships, and crisis and contingency management issues, working with stakeholders and senior management to create solutions that are logical, ethical and economically sound. Clients include top-tier Fortune 500 organizations during times of exponential growth into new markets and operations.

Mike Groves

Security Risk Management

Prior to joining Hill & Associates, Mike completed a 28-year career in the Hong Kong Police Force, rising to directorate rank. During his service, Mike commanded the VIP Protection and Tactical Units, and oversaw operations at events including the Handover of Hong Kong in 1997 and meetings of the World Bank, IMF and WTO. Mike works with clients to pre-empt and address issues that impinge on business operations and reputation risk.

John Bruce

Corporate Intelligence

John Bruce runs our Corporate Intelligence service line, which encompasses business intelligence and integrity and background checks. In addition to this, he has specific responsibility for gaming related due diligence, having become involved in the gaming industry due to the burgeoning expansion in worldwide gaming that took place alongside the expansion of the worldwide web. He has considerable experience in providing independent consulting services to companies in the gaming industry on the nature of the industry in Asia.

Adelene Wee

Fraud Prevention & Integrity Risk

Adelene has worked throughout Asia and has extensive experience in the practicalities of doing business – both local and cross-border. She is responsible for managing and conducting client engagements focused on the areas of fraud, bribery and corruption, ethics, corporate governance and integrity and compliance matters. Prior to joining Hill & Associates, Adelene worked in tax and legal services in a Big Four firm and in corporate and commercial law at several international firms.

Mossack Fonseca: China Opens Bond Market to Individual Investors

MossackFonseca - China’s central bank allowed individual investors to purchase all types of bonds over bank counters beginning 14 February 2016. Individuals with annual incomes of more than 500,000 yuan ($76,500), 3 million yuan of financial assets, and over two years of securities investment experience can now buy any bonds they like over the counter. Previously, only certificate treasury bonds were available to individuals.

The new policy aims to boost the bond market and direct financing. China’s bond market boomed in 2015 due to government policies aimed at diversifying corporate financing channels. Approximately 22.3 trillion yuan of new bonds were issued last year, almost double the sum in 2014.

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Mossack Fonseca - China on IMF Admits Chinese Renminbi to SDR Basket

(MossackFonseca) - On November 30, 2015, the International Monetary Fund (IMF) admitted China’s renminbi (RMB), also known as the Yuan, into the Special Drawing Rights (SDR) basket of currencies. Effective October 1, 2016 the RMB will be a freely usable currency and will be included in the SDR basket as a fifth currency, along with the U.S. dollar, the euro, the Japanese yen and the British pound. Launching the new SDR basket on October 1, 2016 will provide sufficient lead time for the Fund, its members and other SDR users to adjust to the change, according to an IMF press release.

The following weights have been established for each of the five currencies in the new SDR basket that will take effect on October 1, 2016:

• U.S. dollar 41.73 percent (compared with 41.9 percent at the 2010 Review)

• Euro 30.93 percent (compared with 37.4 percent at the 2010 Review)

• Chinese renminbi 10.92 percent

• Japanese yen 8.33 percent (compared with 9.4 percent at the 2010 Review)

• Pound sterling 8.09 percent (compared with 11.3 percent at the 2010 Review)

The Role of the SDR

The SDR was created by the IMF in 1969 as a supplementary international reserve asset, in the context of the Bretton Woods fixed exchange rate system. The SDR is neither a currency, nor a claim on the IMF. Rather, it is a potential claim on the freely usable currencies of IMF members. Holders of SDRs can obtain these currencies in exchange for their SDRs in two ways: first, through the arrangement of voluntary exchanges between members; and second, by the IMF designating members with strong external positions to purchase SDRs from members with weak external positions. In addition to its role as a supplementary reserve asset, the SDR serves as the unit of account of the IMF and some other international organizations.

The SDR interest rate provides the basis for calculating the interest charged to borrowing members, and the interest paid to members for the use of their resources for regular (non-concessional) IMF loans. It is also the interest paid to members on their SDR holdings and charged on their SDR allocation. The SDR interest rate is determined weekly and is based on a weighted average of representative interest rates on short-term debt instruments in the money markets of the SDR basket currencies.

Why the IMF Added the Renminbi

China is the second largest economy after the United States and is first in world trade. The renminbi is the No. 4 currency for global trade, accounting for about 2.5 percent of the total, according to SWIFT, the organization for interbank financial transfers. Beijing controls the flow of money into and out of its economy but has encouraged the use of the renminbi abroad, especially for trade, which helps Chinese exporters by eliminating the cost and risk of volatile exchange rates. Since 2009, China has signed currency swap agreements with central banks in Britain, Brazil, Canada, Indonesia, South Korea and other countries. Branches of Chinese state-owned banks in Britain, Australia, Germany, Switzerland, Russia, France and Singapore have received authorization to take deposits or settle trade-related transactions in renminbi.

Impact on Global Finance

The SDR has no direct link to financial markets or private business. Over time, the IMF decision might prompt central banks to hold more reserves in renminbi. JP Morgan economist Haibin Zhu said renminbi holdings might rise to 5 percent of global reserves, or about $350 billion, over five years. That might encourage more use of renminbi for trade and investment. "Longer term, this is a huge step", said Stephen Innes, chief trader for the currency firm OANDA in Singapore. "Once investors become more comfortable with Chinese markets, especially if they continue to progress with opening policies and make the same strides they did over the past year, international markets will really embrace Chinese capital markets".

Impact on China

Economists say the IMF decision could encourage Chinese leaders to further relax controls on the renminbi. The ruling Communist Party's latest five-year development plan says the renminbi will be "freely tradable and freely usable" by 2020. The surprise August introduction of a new mechanism for setting the government-controlled exchange rate led to 3.5 percent devaluation. However, the country's top economic official, Premier Li Keqiang, said in September that there were no plans for further declines. Some traders worry Beijing might devalue once it achieved its goal of being added to the IMF basket. But others say Chinese leaders want to be seen as reliable. The renminbi's addition is "an endorsement as an international currency", said Chen Kang, chief bond analyst for SWS Research Co. in Shanghai. "That will encourage China to adopt more measures toward accelerating the process of the opening of its foreign exchange markets and capital markets".

Unintended Consequences

The renminbi's government-set exchange rate still follows the dollar despite the new mechanism for setting its value. For now, that makes the renminbi a dollar in disguise, according to Derek Scissors of the American Enterprise Institute in Washington. Until the renminbi is allowed to trade freely, the IMF decision will "increase the dollar's importance", said Scissors. "Those governments or investors hoping for a dilution of dollar dominance for portfolio diversification or political reasons are getting exactly the opposite".