Today, our world revolves around the Internet – and why not? Nearly everything we need can be found on it: information, jobs, friends and a lot more.

However, amidst all of these wonders that the Internet has to offer lurk entities ready to steal and destroy. These are the viruses. They have successfully toppled Web sites, caused trouble for companies and individuals.

And these viruses are insidious. The attack by taking advantage of man’s desires, hiding in places that promise to give us what we want.

Here are some examples of the latest scams that computer viruses use to attack us:

1. The fake job offer. People seeking jobs online are prime targets for the latest virus scams. Using e-mails promising employment opportunities as a cover, these viruses are able to penetrate users’ computers, stealing details of their bank account and enabling the e-mail sender to spirit away the poor job hunter’s cash.

These malware can also enable the sender of the virus to change the settings of the victim’s bank account, allowing wire transfers.

To avoid getting victimized by viruses in fake job offer e-mails, avoid opening job offers from companies you never applied to.

2. The antivirus virus. Viruses can enter your computer dressed as antivirus software. If this happens to you, you probably created the crack in your computer security by downloading a free “antivirus software” offered via e-mail or through a Web site.

Virus-laden e-mails and Web sites often send a message (usually, unsolicited) indicating how damaged or insecure your software is. They then provide you with a link that looks like it leads to a legitimate and well-known antivirus software’s Web site.

In reality, though, the moment you click on the link, you are in fact downloading the virus.

To avoid catching these types of viruses, always get your antivirus software directly from the manufacturer’s Web site; look for verification on the URL bar that this is, indeed, the real manufacturer’s site; and type in the domain name on the address bar rather than click on a link.

3. The offline installer. Just because you’re offline doesn’t necessarily mean you’re safe from viruses. Online predators have devised a way to get you online and become their easy prey.

How do they do it? A person claiming to be an expert in computer software calls your household and convinces you that your computer is loaded with viruses and malware.

He or she then offers his or her services via the Internet.

Once you are online, the person is able to install a virus into your computer, so he or she gets access to your files and documents.

He or she would also get the your credit card information as payment for the service. Before you know it, all your information has been acquired and your money is lost.

This is probably the most common form of computer virus scam today. Big enterprises have set up call centers just to scam unknowing users, making them think they’re talking to Microsoft’s finest computer engineers and revealing their credit card information to crooks.

Just knowing about these scams already goes a long way for you to protect yourself against them. But considering the risk, it’s best to make sure all cracks in your computer armor is sealed.

Make sure you’ve installed good and reliable antivirus software and have it updated every month or so. Today, in a world that has been digitized, new forms of theft abound. Technology’s wonders also breeds newer forms of evil, ready to strike once you let your guard down. Don’t let them get you.

Article Source: sooperarticles.com/technology-articles/hardware-articles/latest-computer-viruses-621494.html

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Protect your computer from the latest internet security threats.Author: Evean Sharon

By Juhlin Youlein

The free world of capitalism is made up of lenders and borrowers. A lender gives money to a borrower and in return the lender will receive interest from the borrower on each return payment. The lender’s risk comes primarily from the chance that the borrower will not make good on their payments. To hedge this bet, lenders often need reassurances or insurance that the borrower will not default. This is true in almost all the markets of capitalism but is especially true in real estate markets. Often times, the lender in a real estate market, such as a mortgage company or bank, will be confident that the borrower will make their monthly mortgage payments, but will be concerned that the borrower will default on their homeowners insurance or property tax payments.

If a borrower defaults on their homeowners insurance then they will no longer be insured against extreme property damage. If the borrower then has their home burn down, they can easily walk away and the lender will no longer possess collateral on the loan. If the borrower does not make their property tax payments, then the government can put a lien on the home. Both scenarios are a nightmare for the lender. To insure that the borrower makes their insurance and tax payments, both parties will want to set up an escrow account.

An escrow account is where a third party holds the money meant for a payment until the transaction takes place and then the money is released at a prearranged time. A real estate escrow account is maintained by an escrow agent who works for both the lender and the borrower. To help give an example of how an escrow works, let’s say there are two buddies who both make a bet on a football game and they give their money to a third friend to hold on to the money until the game is over and this friend then gives the money to the winner of the bet. This way, both of the parties betting will know that they will get the money they agreed to if they win the bet. Another example of an escrow concept being used is with a vending machine. A person puts money into the machine and the money is held in a figurative ‘waiting area’ until the machine works properly and then drops the money into the coin vault and gives the buyer what he chooses. If the machine does not work properly, then the vender can push a button and the money will come back out at no loss to the buyer.

In the world of real estate an escrow account is vital. If a borrower has one annual property tax payment of 3,000 dollars and an insurance payment of 500 dollars, then there is a great chance that when the time for the payment comes, the borrower will not be able to make the lump sum payment. Therefore, in the mortgage contract, the borrower will make monthly payments to an escrow account which will in turn make the lump sum payment at the due date for the taxes and insurance. In this case, instead of paying $3,500.00 at one time, the borrower will pay a much more manageable $300.00 a month to the third party escrow agent and the agent will make sure the lump sum payment is made on time. Both the lender and the borrower are satisfied because of the added security added to the large mortgage loan.

About the Author: Juhlin Youlien writes for the Website Our Best Real Estate which is Exclusive to Arizona featuring Paradise Valley AZ homes for sale, Fountain Hills AZ homes for sale, Phoenix real estate and Tucson AZ homes for sale

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Employee Embezzlement: Detect and Deter

by

i-Sight Software

Kickbacks, payroll fraud, false reimbursement claims and the use of company credit cards and accounts for personal expenses are all issues of employee embezzlement. Employers are faced with these issues on an all-too-frequent basis. As employees try to become more creative with their embezzlement schemes, employers can fight back and put up internal “road blocks” to help deter employees from getting their hands on money that isn’t theirs.

One of the harshest realities regarding employee embezzlement is that it’s usually conducted by employees who have gained significant levels of trust from their superiors. Embezzlers usually begin by taking small sums of money, and if they realize they have yet to be caught, can continue taking money for many years, equating to significant losses to your company. Signs of Embezzlement There are many different signs that signal the presence of embezzlement. Sometimes it’s can even be company policies and the roles and responsibilities outlined in employee job descriptions that make it easier for embezzlement to take place. According to the article ‘Embezzlement: Everything You Need to Know ‘ by Stephen Linker, organizational conditions that create an open door for embezzlement to occur include the inadequate segregation of duties, lack of employee training and understanding regarding company policies and the consequences for violating them, high turnover rates, failure to consistently enforce standards and policies or punish violators and operating in an environment that frequently acts in ‘crisis’ mode. Aside from the organizational conditions that increase the opportunity for embezzlement, you can also observe changes in employee habits and discrepancies in financial reporting and accounting statements to identify embezzlement. In the FindLaw.com article “Embezzlement Warning Signs”, they state that other key signs that point to the occurrence of embezzlement within the workplace include: – Untimely and unorganized financial statements and reports. – Unbalanced accounts, altered check amounts and the occurrence of duplicate payments. – Creation and payments made into false accounts that have matching addresses to that of an employee. – Unexplained losses of company funds. – Missing documents related to account, payments, etc. – Unexplained or unauthorized charges to company accounts. – An employee refuses to take vacation, works long hours. – Alterations in an employee’s lifestyle- high medical bills, divorce, gambling problems, living beyond means for salary level, etc. – Bank deposits delayed or made on an inconsistent schedule. Embezzlement Prevention There are a number of measures that employers can take to reduce the number of opportunities within the workplace that allow embezzlement to occur- the chance that you can prevent embezzlement altogether is a bit of a stretch. 1. The separation of duties and task rotation are some of the best measures an employer can use to reduce the opportunity for employee embezzlement. When rotating tasks, if an employee is guilty of embezzlement, chances are, they will protest and try to remain in control of any process that involves access to or the handling of money, so that another employee cannot uncover their scheme. 2. When creating job descriptions, outlining employee responsibilities, company codes of conduct and ethics, as well as any other workplace policies, conduct a risk assessment to identify vulnerabilities that may expose the company to embezzlement. Also identify pressures or tasks that could motivate an employee to turn to embezzlement, money handling procedures that do not require enough checks throughout the process, compliance with legal guidelines and any other weaknesses that increase the risk of embezzlement. 3. Another way to help detect and prevent embezzlement is through the use of internal reporting systems. Internal reporting systems allow employees to report any issues of observed misconduct or awareness of financial fraud that is occurring within the organization. Sarbanes-Oxley requires financial firms to have an anonymous reporting system in place, making employees more comfortable when reporting misconduct, since their name isn’t attached to the allegations. Internal hotlines and reporting systems are the number one tool for identifying misconduct within the workplace, as it is usually an employee’s peers who are aware of any forms of misconduct before they make their way up to top level executives to deal with. Solutions such as i-Sight Investigation Software make it easy for new cases to be documented and reported through a variety of intake channels. i-Sight is a customizable solution, designed to meet the unique needs of each individual company and has built in rules to maintain compliance with legal regulations throughout the investigation process. i-Sight uses alerts and centralized case information, making it easier to manage the investigation process from the time a new misconduct tip is received, through to the reporting stages and conclusion of the investigation. The article “Embezzlement Prevention and Detection” by Vincent Ruocco, LLC, CPA, advises management to conduct the following three steps when establishing policies to make embezzlement difficult for employees to conduct: – Adopt a policy of mandatory vacations and mandatory duty rotations. It is not uncommon for the embezzler to interfere with the customary workflow to effect the embezzlement. However, if your policies require the embezzler to give up control of his/her work, he/she will recognize that the fraudulent scheme might be more easily detected, and thus be detoured from committing the illegal act. – Don’t hire thieves. This means that if you intend to place an individual in a position of trust, you should conduct a background check. The typical background check involves employment and education verifications, reference checks, criminal conviction checks, drug screenings and a credit check. You may need the candidate’s consent prior to conducting some components of your background check, so you should seek the advice of a qualified attorney. – Conduct periodic surprise internal audits. These are most effective after identifying high risk areas and designing procedures to achieve the desired objectives. It is not uncommon for management to engage a qualified CPA to help them plan the audits and perform the procedures. It is important to note that simply knowing that the organization has a policy of conducting surprise internal audits can act as a deterrent to the would-be embezzler.

http://www.artcpas.com/Embezzlement%20Prevention%20and%20Detection.htm

http://smallbusiness.findlaw.com/business-operations/accounting/accounting-embezzlement-signs.html http://www.envoynews.com/rwcpas/e_article000990340.cfm

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Employee Embezzlement: Detect and Deter

byAlma Abell

In today’s real estate, there are many people out there who have found they own property in Sacramento and are not sure on how to manage it. Commercial property management in Sacramento is a full time job and most people who own these buildings simply don’t have the time, or even the desire, to manage the business on their own. The best way around this, is to hire a company that offers commercial property management in Sacramento and here’s how it works:Understanding Property Management

When you own a commercial property and have a property management company taking care of it, essentially, they are the middleman between you and your tenants. They will take care of all the daily tasks that are associated with property management including things like collecting rents, marketing, showing open units, property upkeep and even maintenance. They will also oversee any staff you may have and focus on making the tenants happy.

Benefits of Commercial Property Management

Many people who own property will find that one of the main benefits to choosing commercial property management in Sacramento is that they don’t have to deal with managing the property on their own, nor do they have to learn how to either. Instead, they will have a very experienced team available who are experts in the field of property management. With this company behind them, profits can be maximized, and more income will be available from the investment.

Choosing the Right Property Management Company

If you are interested in a commercial property management company you may be wondering where to find one. Many property owners will find their property management company through word of mouth or through a recommendation from a friend or colleague. Others will look online to find a company on their own. If you choose to do this, you should make sure to do your research and ask the right questions. You want to know how much experience the firm has, find out what type of reputation they have and find out what type of people will actually be doing the managing of the property. Check out reviews on the company to make sure that they are familiar with the Sacramento area and if they have several locations, you can be confident that they will be a good firm to work with.

Choosing professional commercial property management in Sacramento is a great choice. Contact Real Property Management Sac-Metro for more info at 916-452-5000.

Submitted by: Cathy Allen

“Throughout recent years I have been spreading the message to ensure, protect, and to offer respect to the very being that all life dwells upon, EARTH.

Our recently chose president, Donald Trump has an altogether different message. His position is to ensure, safeguard and to offer respect to organizations as it were. Overlooking and expelling nature issues that will in the long run be our countries’ and plant end.

Our country comes in the second place behind China when to comes to contamination, representing 16 percent of total worldwide ozone harming substance discharges. At present, the choices made by Trump and his Republican-controlled Congress on condition will be basic for future eras of individuals, plants, creepy crawlies and creatures. Trump has gone as far to state that environmental change is a “”myth”” made up by China to make fabricating non-aggressive.

All in all, what could our America look like with a president that sees the plant as an insignificant asset for enormous business? Here’s a look at what Trump’s organization gets ready for the earth.

Trump’s initially request of business is to destroy the EPA (Environmental Protection Agency). In my last article, I highlighted what the organization does to secure the earth and individuals against organizations that contaminated the air and water. At the point when Trump was met by, Chris Wallace from ‘Fox News Sunday’ a month ago with the question, ‘who will ensure nature?’ Trump stated, “”We’ll approve of the earth ..we can leave a bit, however you can’t wreck organizations’. Trump as ventured to select, Myron Ebell to head-up and disassemble the EPA, who the Financial Times calls, “”one of America’s most noticeable environmental change doubters.”” Ebell works has been supported by some of our country’s most noticeably bad ecological polluters, similar to Murray Energy the country’s biggest coal mining organization. Ebell, additionally noticed that he will be supporting all the more ‘huge coal’, “”with the goal that we can battle the jabber put out by the natural development.””

Second up, Trump and his organization has arrangements to Reopen Shuttered Coal Mines. What does that intend to the air our country will be relaxing? Among every single non-renewable energy source, coal is the nastiest and dirties than oil, gas and normal gasses. Along these lines, while Trump is gloating about giving America’s coal excavators back something to do. Under his arrangement, those coal excavators, their families, their group and their states (West Virginia and Pennsylvania) will see an expansion of unsafe levels of contamination in the very water that they drink and the air that they breath.

Third, Trump plan to pull the U.S. out of the Paris Climate Agreement, promising to cross out the assention and pull back all financing for atmosphere related United Nation programs. This activity will unquestionably tell the world that America does not think about a worldwide temperature alteration or environmental change.

Fourth up, Trump’s organization has arrangements to endorse the Keystone XL pipeline extend, which would transport unrefined petroleum from oil sands in Alberta, Canada, through Montana and into Nebraska. Under the Obama organization, the U.S. State Department established that it is likely that the proposed pipeline, which crosses a huge number of waterways and streams including a few noteworthy streams like the Yellowstone and Platte will encounter spills. Trump reacts to these discoveries, “”I need it fabricated, however I need a bit of the benefits, that how will make our nation rich once more.”” Trump likewise is a money related partner of the Keystone XL pipeline.

In conclusion, Trump needs to decrease U.S. interest in Clean Energy choices. Trump said last November in Newton, Iowa, “”wind vitality is an issue, an extremely costly type of vitality””. Despite what might be expected, Wind Energy in states like Texas and Iowa produces the most astounding measure of twist power as a rate of its aggregate vitality portfolio, wind is less expensive and cleaner than coal or gas-controlled vitality.

As a tree hugger, I am ideally, that all individuals over our country will resist this recently chose organization on natural issue. All things considered, the water you drink and the air you breath. Cathy Allen, The Green Ambassador is an award-winning, Environmental Education, ECO Real Estate Green Home Solutions Eco Broker. Provide information about the Environment is a Disgrace. “

About the Author: For years now I have been spreading the message to protect, preserve, and to give honor to the very being that all life resides upon, EARTH. To know more about visit:-

ow.ly/lCCG30cnOnz

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