Galveston Financial Capital: About Us

The Galveston County Small Business Development Center (GC SBDC) provides business consulting and training to help entrepreneurs and small business owners at every stage of your business development.  Our assistance is customized to your needs, whether you need help evaluating financing alternatives, developing a loan package, reviewing and updating your business plan, or improving productivity and profitability.  We can also help you evaluate new market opportunities selling to federal, state and local governments or to customers outside the United States.

Visit us at our GC SBDC facility to meet with one of our expert consultants for a free, hands-on, one-on-one consulting session, or to attend one of our practical workshops led by experienced entrepreneurs to learn and expand your knowledge of critical business tools and technology skills.  We’ll also customize training just for you, to be held on site or at your location.

 

Los Angeles MK News

Regarding the end to Shanghai MK’s cooperative partnership

We regret to inform you that due to problems including with license renewals, Shanghai MK’s partnership with Hertz China will be terminated at the end of this year.

Hertz-MK will continue operations as one section within Hertz.

Therefore, any reservations beginning January of next year will be handled by Hertz China.

Thank you very much for your patronage to MK hire service over the years.

We kindly ask that you utilize Hertz China for your reservations in the future.

WHEREVER YOU GO, TRUST THE HEART LOGO!

One of Japan’s most appointed taxi groups is now raising the standards of car service in Southern California! MK Group has been providing Japan’s major cities with esteemed driving for over 50 years, earning high acclaim and demand as one of the most courteous companies in the country today. Now as the first car service to branch abroad, Los Angeles MK invites you to experience the convenience and economics of taxies with the high quality of limousines―an affordable yet uncompromised transportation experience unlike any other!

A SAFE AND ENJOYABLE EXPERIENCE

Los Angeles is an incredible site not only for vacation and tourism, but also for business and venture. We ensure that every visitor experiences Los Angeles and the rest of Southern California in the most suitable way. We accommodate all types of travel near and far, whether you are going from the airport to your home or hotel, exploring local hot spots and tourist sites, shopping and dining, or attending events, conventions, and meetings on business.

We travel beyond our Los Angeles headquarters, through local districts such as Orange County, San Bernadino, Riverside, San Diego, Ventura County, and Santa Barbara, all the way to more remote destinations such as San Francisco, Las Vegas, the Grand Canyon, and Phoenix, Arizona. We service you with a broad range of clean vehicles as to better adjust to your needs. For those that are visiting California for the first time or are traveling from outside the United States, our highly skilled staff will assist you thoroughly and safely.

UK Banks Looking Into ‘Next Generation’ of Digital Cards to Help Combat Online Fraud

The digital bank cards have a security code that changes every 20 minutes.

A new form of digitally-enhanced bank card featuring an unpredictable three-digit security code is currently being analysed by UK banks and financial institutions as a way of combating increasing levels of fraud, according to security firm Gemalto.

The technology, which has been dubbed the “next generation” of payment card, is known as Dynamic Code Verification (DCV) and works by ditching the permanent three-number security strip code in favour of a digital readout that changes every 20 minutes.

Gemalto, which is developing a version of the technology, claims it will help to drastically slash the amount of card-not-present (CNP) fraud – when stolen bank card details are used to remotely make illicit internet, telephone or mail purchases.

“It means that you physically have to have the card in your possession in order to make a purchase online or over the telephone,” Lysa Coombs, spokesperson for Gemalto, told Sky News.

“If you have simply harvested the card’s details to commit fraud, you won’t be able to do that as you won’t have the up-to-date security code,” she added.

Howard Berg, the firm’s senior vice-president said UK banks are now accessing the advantages and disadvantages of the technology. “We are certainly seeing card holders like it [because] there’s little change to the process they are currently using,” he told Sky News.

A Gemalto brochure describing the technology stated: “[It] allows issuers to replace the static 3-digit visual cryptogram traditionally used for online purchases with a time based dynamic CVV/CVC displayed on the customer’s payment card or on their mobile.

“The code changes every 20 minutes, dramatically enhancing the security level of online transactions.”

According to an official report from Financial Fraud UK released in March this year, titled the ‘Year-end 2015 fraud update’, losses on purchases made remotely increased by 20% in 2015 (to £398.2m from £331.5m). It indicated the spike may be due to data stolen through “hacks and malware.”

The research paper also noted: “Financial fraud losses across payment cards, remote banking and cheques totalled £755million in 2015 – an increase of 26% compared to 2014.”

Tony Blake, a senior fraud prevention officer at the Dedicated Card and Payment Crime Unit, a police unit with links to Financial Fraud Action UK, the Metropolitan Police and the Home Office, said the new technology could help reduce online card fraud.

“It is a huge growth area and criminals are always looking at new ways to make money as more of us go online to do our shopping,” he told Sky News. “The dynamically changing digital security number on the back of the card is one of the things in development which looks quite promising.”

Coalition Against Insurance Fraud: Chilling mob-style hits reveal fraud’s violent roots

dr_ira_bernsteinMob-style hits sought in name of insurance money

Recent charges against a foot doctor challenge a belief among many consumers that insurance fraud is a relatively low-level, white-collar scam.

The issue: fraud as violence.

Foot doctor Ira Bernstein allegedly tried to hire thugs to beat up two insurance-fraud investigators and throw them off the track.

The Ramapo, N.Y. man and his girlfriend met with someone they thought was a hitman to kill his wife Susan — and rough up the fraud investigators, federal prosecutors contend. The investigators were looking into whether Bernstein bilked health insurers with false claims.

The purported hitman was a wired informant. He revealed the suspected plot to police.

Police also set up Hollywood-style murder photos. They applied makeup so the investigators would look mugged. The snitch then showed Bernstein the seemingly grisly images to fool the foot doctor into revealing more suspected evidence.

Bernstein could be innocent. He’ll have his justly deserved day in court.

Whatever the outcome, the case shines a light on a broader concern that insurance fraud is widely perceived as a relatively tame white-collar scam with few real victims.

Once embedded as a norm … this lax attitude edges dangerously closer to making an $80-billion insurance crime a socially acceptable way people can lard their bank accounts, live well, or exact policyholder revenge against insurers for high premiums paid out without claims.

Insurance fraud has a seedy history of Mafia-style violence — or threatened harm — against against investigators … judges … witnesses … and other hardworking professionals just trying to do fair justice. Blind panic and fear when cornered by courts and investigators can turn swindlers into murderers.

An insurance agent shot and killed two fraud investigators who were looking into his practices. Rhett Jeansonne and Kim Sledge were with the Louisiana insurance department. John Melvin Lavergne gunned them down at his Ville Platte agency, then shot himself.

Alarmed insurance regulators around the U.S. quickly strengthened procedures for how investigators can stay safer when visiting a suspect’s office or home.

Sallie Rohrbach died doing her duty as well. She was an auditor with the North Carolina insurance department. A troubled agent clubbed her to death with a chair while she was in his office reviewing his books for  possible theft of client premiums.

Tyesha Towanda Roberts offered to hired someone to shoot a witness involving insurance torchings of a home and two vehicles. The Baltimore woman wanted $10,000 to set up the murder. A cohort offered to help shoot the witness himself. Except that Roberts and her cohort spilled the plot to an undercover officer. Roberts was convicted, and will be sentenced in August 2016.

Nightclub insurer mogul Jeffrey Cohen plotted to assassinate the judge overseeing the bankrupt insurer’s liquidation.

Cohen deceived regulators into thinking his failing insurance empire was financially solid.

A former nightclub bouncer, Cohen drew up a hit list of Maryland and Delaware officials involved with his case. Plus driving directions to the home of the judge overseeing the insurer’s liquidation.

Seven assault weapons were seized at Cohen’s home. “Society needs to look at the fact that killing isn’t wrong in certain circumstances, and killing culls the weak,” he said in a sound recording. Cohen was handed 37 years in federal prison.

Buying the narrative that insurance fraud is tame feeds the dystopian mindset that eggs people to use violence to defend their schemes. Even seemingly average people can become killers when their fraud plots start unravelling.

So when you think of insurance fraud as a soft and minor crime … just visit Sallie Rohrbach’s grave. She’s buried in Raleigh Memorial Park in Fuquay-Varina, N.C.

Proposing ongoing blog about all things insurance fraud. Consumer attitudes that let fraud thrive … strategies for changing minds … new fraud trends and why they’re important …

Profile how people are victimized. How fraud crimes are investigated and convicted. Highlight breaking cases and fraud trends — and why they’re important.

Also look on light side — knuckleheads who bumble to bogus fake workers comp injury claims.

Pacific Associates Limited Minato-ku Tokyo Japan: Our Business

About Pacific Associates Limited

The business methodology of Pacific Associates Limited is quite simple. We conduct face-to-face consultations with each candidate and then introduce excellent companies with the best matched positions to these talented candidates. We value our candidates and client companies and this attitude naturally leads to the best conclusions.

PAL is always in favor of talented candidates as these relationships are one of the greatest assets of the company. We know that our job can have a great impact on the lives of many people. Although client companies are also important to us, candidates with special skills, expertise and great personalities are rare in this industry. We do not just pick candidates from our contact list, we carefully choose them, fully utilizing our expertise and extensive experience in the recruiting business. We value and focus on our candidates and at the end of the day are successful in placing highly qualified professionals to our valued client companies.

PAL strongly believes that the consulting is the most important step in the recruiting business more so than any other recruiting company. We handle each and every case with sincerity and care. We are willing to takes months to foster trust with candidates, always staying in close contact, because we know that we are helping people to make one of the biggest decisions of their lives.

Not many Japanese business people are accustomed to job change, and usually they need good advice about how to find new positions and which positions can advance their career. We are determined to make every effort to support our candidates and bring about changes for the better.

About Clients

90% are foreign-capitalized companies

90% of our clients are capitalized either in the United States, Europe, India, or China. The remaining 10% are Japanese companies with good spirits of entrepreneurship. We have more than 100 clients including small business firms and large-scale enterprises with thousands of employees in pharmaceutical, technology and many other industries. They are all engaging our services to find highly-motivated personnel who want to continuously develop their skills and make great contributions to their employers.

Our service is focused on mid-carrier recruiting. We introduce candidates from their twenties to sixties to positions such as managers, doctors, regional executives, sales reps and engineers. Although not many female workers change their jobs for career improvement, approximately one third of our successful engagements involve mid-carrier recruiting of female candidates. We take pride in making contributions to the career improvement of female workers.

Besides the pharmaceutical and technology industries, we welcome candidates active in financial, bookkeeping, accounting, human resources and legal industries. With excellent achievements in your business field, you have a good chance of finding rewarding positions through PAL regardless of your industry.

Fraud Labs Pro Fraud Detection and Fraud Detection Solutions: What is ISP usage type validation?

From an IP address, you can find out where the IP address is coming from, whether it’s from a fixed line, a mobile line, a military IP and so on. This is what we referred as ISP usage type in our fraud verification system. This information plays an important fraud indicator in telling you if any phishing activity behind the scene. For example, if you found out an IP address coming from Data Center/Web Hosting/Transit, chances are they may not be a legitimate buyers. You may want to flag this order for fraud review and manually calling them for further authentication.

What are the ISP usage types supported?

  • Commercial
  • Organization
  • Government
  • Military
  • University/College/School
  • Library
  • Content Delivery Network
  • Fixed Line
  • Mobile Line
  • Data center/Web Hosting/Transit
  • Search Engine Spider

Below are the steps on how to configure the usage type validation

1. Login to the FraudLabs Pro Merchant Control Panel.

2. Click on the Rules then click Add Rule.

add fraud validation rule

3. Select ISP Usage Type below the IP Validation

IP Validation

4. Select the Condition.

configure fraud rules - ISP type validation

5. Select the ISP that you wish to validate.

configure fraud rules - ISP type validation

6. Choose the action you want.

configure fraud rules - ISP type validation

7. Click Add Rule and don’t forget to click Save and you are done.

We Tested 50+ Free Security Tools so You can Use Them for Your Online Protection

Heimdal Online Security – The idea that we should create a gargantuan list of cyber security tools started to spring in our minds around the beginning of this year.

We started from a simple idea: It should be useful. We need it. You need it. It will come in handy in the future, to have all those tools in one place.

In our journey into the cyber security and data protection world, we ran into lots of useful tools. Some of them were unmarketed gems that we had no idea that they even existed. We ran into most of them completely by mistake, while searching for something else (usually on Quora or randomly navigating on blogs).

When we finally decided to do it, to work on the list, we had no idea how and where to begin.

What tools should we include? What should we not? How do we tell if one is worthy and the other one is not?

Do we mention ultra-known products?

What about antivirus products? We haven’t tested them all since there are independent industry experts who do a much better job.

Should we mention the services that are duplicated and basically do the same thing? Or should we stick to the best?

Why? Who decides what’s best for someone and what’s not?

Should we stick to what’s free or should we also add paid products?

Eventually we came up with what we’re about to read. But first here’s a quick guideline that you should read before we jump right to the subject:

We don’t claim that this is the ultimate list. It’s not complete and it’s definitely not final. It probably never will be. We are aware that we missed lots of essential, important tools – by mistake or just because we can’t know them all. So please feel free to jump in with more useful tools that you feel they should be mentioned.

We stayed away from recommending antivirus, VPN or firewall products. There are independent industry experts who only do that. Instead, we prefer to list those experts or websites that will help you compare such services, in order to choose what’s best for you.

Click here to Continue….