What You Should Know About This Year

Aspects to Look For In An Auto Insurance Company

Owning a car is quite a significant investment since it does not come easy. Consequently, getting the best auto insurance for it is of great importance. That is because you have to be assured that in case anything happens to your car, you will be in a position to take care of it and get moving. You also have to be sure that your vehicle is protected and in case an emergency happens, you will not have to dig deep into your pockets for you to take care of the damages.

It is, therefore, imperative to make sure that you do not settle with an insurance company without doing your due diligence. Making investigations will also help you to know the auto insurance company that compensates drivers within a short time after emergencies. Thus, it is advisable to start research by asking people who you know, about auto insurance companies that they deal with. Ask them the payable instalment that the company requires to help you make a decision. It will also be wise to search on online sites for information concerning auto insurance companies available. From the internet, you will even know how to pick a reputable company since you will know how existing clients rate a company. If many clients complain about the service of a particular insurance company, do not pick it. Nonetheless, if the customers say that it is reputable and reliable, deal with it.

You should also look out for some reliable qualities in an Auto insurance company beforehand. Such characteristics include a company that is approved and certified to operate in your state. If you deal with an unauthorized auto insurance company, you may end up with regrets since you will not get the service that you are looking for. That is because; an illegal company will not be keen to provide you with an exemplary service. Moreover, you may end up losing your money since such a company will not be in business to protect your car. It will be there for the money; hence, you will end up being exploited. However, a licensed auto insurance company will be legit; therefore, you will get genuine services. Certain services will assure you of a quality service that will not end you in regrets. The company will, therefore, come in handy in case of an emergency.

Lastly, select an auto insurance company that has friendly and jovial agents. If you deal with rude auto Insurance agents, you will not be able to make enquiries. It will also be hard to make your monthly repayments since communication will not be sufficient. Moreover, in case anything happens to your car, you will find it hard to call the company to tell it about your case. Besides, you will not be sure if such an insurance company will appropriately handle your vehicle. Hence, make sure you do your due diligence before settling with any auto insurance company if you do not want to end in frustrations.

The Path To Finding Better

Finding Similarities Between and Life

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Bug Discovered in Skype Updater Process

Can Facebook Credentials Really be Stolen by GhostTeam Adware?

With the support of mobile security teams from Trending Micro and Avast, the technology giant Google has unveiled a new malware set that may be used to steal Facebook credentials on the Android platform. In turn, infected devices may push advertisements to unsuspecting users. While the malware was discovered and reported by the Google Team in January 2018, experts said that since April 2017 the malware was in the Play Store.

The Trend Micro and Avast teams have recorded 53 Play Store apps in total. Since April 2017, most of the compromised applications have been on the Android Play Store and in similar time.

Okay, the bad news is that the GhostTeam adware really did it, stealing Facebook credentials, infecting computers and marketing to unexpected users. The good part is that all 53 compromised devices have been deleted from the Play Store since it was found.

Let’s learn something about this adware:
??The GhostTeam adware seems to have originated from Vietnam, according to Avast and Trend Micro.
??Vietnamese is the default language for many of the infected devices in the Play Store.
??English versions are also available for the infected apps. The Vietnam IP host servers are communicated by command control.
??In Brazil, Indonesia and India, over 60 percent of infections occur. Users have also been affected in great part in Vietnam, Australia and the Philippines.

??Cleaning apps, computer improvement apps, compass apps, QR code scanners, flashlight apps and other non-professional applications are the most infected devices.

Trend Micro had a list of all applications that have been infected. Facebook users were advised to change their Facebook credentials instantly if they noticed any of these applications on their phones and enabled two factor authentication. unblock websites

Avast and Trend Micro mobile security experts were saying that scoundrels used the malware to make money from advertising on compromised phones. This was made possible by unsuspected users who became part of a unscrupulous social promotion service through the surreptitious sharing and the liking of content with their compromised accounts.

It is kind of horrible to imagine that your sharing and liking histories are followed, recorded and even made use of by malware. To avoid this, you should be more careful while surfing the Internet. We hereby recommend you to use a VPN service help hide your real IP address, encrypt your Internet activities and further prevent you from many online criminal acts.

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Offshore Banking – Fiction Vs Fact

FICTION: Offshore banking can’t be that good because they can’t really pay the high interest rates they offer. If they could really pay those rates then U.S. banks would try to be competitive and have the same interest rates.

FACT: Examine closely the financial statements of any U.S. Bank. You will see that their “gross” profits against customer deposits can range from 25% to 40% — but — they have laws written in stone to limit the interest amount they can pay customers on their deposits. The U.S. banks place their earnings into unnecessary frills and non-productive expenditures like fancy buildings etc., while offshore banking facilities don’t do this and share their profits with their customers.

FICTION: Offshore banking isn’t regulated, so you are at risk of losing all money deposited with them.

FACT: The truth is that every country in the free world has regulations, rules and laws governing financial institutions and banks. Those regulations, rules, and laws, however, are much less restrictive than the “protectionist” U.S. banking regulations, rules, and laws and allow the offshore banking industry better opportunity to earn much greater profits for their investors and depositors.

FICTION: Offshore banking facilities are not insured by the F.D.I.C.

FACT: Some of the banks are but not that many. If they are, they must comply with the same protectionist banking regulations and rules as all the other F.D.I.C. insured banks. But, the majority of offshore banking facilities are insured; one way or another.

Depositor insurance programs similar to the F.D.I.C. program have been established in some countries, so that the banks in those countries have their deposits insured. Independent insurance companies insure the deposits of offshore banking facilities in other countries AND unlike the F.D.I.C., insure 100% of the banks deposits; not just those under $100,000. (By the way, some of the banks in the U.S. insure their deposits with independent insurance companies and many banks in the U.S. are not F.D.I.C. insured)

Offshore banking is “self-insured” for the most part which means those banks have a liquidity factor equal to 100% (or more) of the deposits on the books. Those banks have $1 (or more) in liquid assets for every $1 held on deposit. Therefore, there is no bank run because they can cover any depositor demand.

Self-insured offshore banking is actually more secure than F.D.I.C. insured U.S. banking. Why? Because the F.D.I.C. insured U.S. banks are permitted to maintain a liquidity factor equivalent to approximately 10 percent of their public deposits. (Is it any wonder why more U.S. banks fail each year than in any other country?)

Which kind of bank would you feel more safe having your money in? An offshore banking institution which as one dollar in cash for every dollar on deposit, or a U.S. bank which as ten cents in cash for every dollar that shows up on the deposit statement they give their clients?

FICTION: Offshore banking isn’t as big or strong as U.S. banking.

FACT: Of the strongest and largest big banks in the world (in assets), one bank ONLY is located in the United States:

Here are the safest offshore banks in the world, according to a ranking done in 2007 after examining their total assets in US dollars. This ranking is compiled from balance sheet information included on AllBanks.org

1 UBS AG Switzerland 2 Barclays UK 3 The Royal Bank of Scotland Group UK 4 Deutsche Bank AG Germany 5 BNP Paribas SA France 6 The Bank of Tokyo-Mitsubishi UFJ Ltd Japan 7 ABN AMRO Holding NV Netherlands 8 Societe Generale France 9 Credit Agricole SA France 10 Bank of America NA USA

2008/2009 UPDATE AFTER THE FINANCIAL COLLAPSE OF 2008

Germany’s largest bank, Deutsche Bank AG, reported a fourth quarter loss of about $6.3 billion. A year earlier, the bank posted a profit of about $1.3 billion (1 billion euros), Bloomberg reported.

Royal Bank of Scotland is expected to post losses of as high as £1.7 billion.

Bucking the trend is a bank not even on the list above and that bank is Standard Chartered bank which is expecting to post profits of 1.3 billion pounds. I have a contact who can help you open an account at this bank for your company if you desire to do so. The account would be in Hong Kong.

Another bank I know about is rated AAA by an independent rating service and if you are not from the U.S. or if you are from the U.S. and have a foreign LLC or IBC to open the account with then you can deposit $15,000 and get involved in their borrow low and deposit high program which has earned depositors as much as 100% per year on their deposit. It is easy to open an account there.

FICTION: Offshore banking must not be very good, or more facilities would advertise their services in newspapers and magazines in the U.S.

FACT: Offshore banking in general is restricted by law from advertising in magazines, newspapers, radio and on T.V. unless they come under the same protectionist rules and regulations that are placed upon U.S. banks. Knowing that, you should be cautious about doing business with any offshore banking facility that publicly advertises in the U.S. media. Because you can be very sure that they have sold-out to the U.S. banking establishment and that establishment will end up selling you out to those who make the rules.

FICTION: Offshore banking is only for the wealthy.

FACT: About 25 years ago, that may have been true. But I know of about three offshore banking facilities that will allow you to open an account for as little as $500. One of these is in the Asia, another in Europe, and another in Latin America.

FICTION: Opening an account at an offshore banking facility is too difficult, and it is very difficult to get a withdrawal when you need it.

FACT: Opening an account at an offshore banking facility is easy because you just follow the instructions they give to you. Getting your money out only requires a request that you fax or email with an attachment included.

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