Monday, June 12, 2017

Tokyo MK Taxi: Ansette en Limo for ditt neste arrangement

Limousiner leve til navnet som et symbol på stil, klasse og eleganse. Det har vært lenge regnet som den luksuriøse kjøretøyet rike og berømte mennesker og vanligvis drevet av sjåfører. Noen er eid av rike mennesker, mens mange er eid av regjeringen å transport utenlandske gjest politiker og store selskaper transport CEO og ledere. En limousin har vanligvis en partisjon mellom den kupeen og driveren i sitt eget rom slik at samtaler mellom passasjerer i rommet vil bli holdt privat fra sjåføren.

Men er borte dagene at bare kraftig og velstående har privilegiet av og glede av riding denne førsteklasses kjøretøy. I dag, spredning av limo tjeneste har gjort bilene rimelig og dermed ble det tilgjengelig for et bredere spekter av folk som begynner å oppdage spenningen av utgiftene var overdådige ved å ansette en limousin for en stasjon på byen. Som ikke ville elske ideen om sitter komfortabelt i en limo med privatsjåfør service, rett?

I dag, leide limousiner er multipurpose og kan brukes av vanlige folk til spesielle anledninger som bryllup, reunion, prom, bursdagsselskap, jubileum og bedriftsreiser eller for en tur på natten i byen. Hvis du er i ferd med planlegger en spesiell hendelse og finne deg selv sittende fast på transport aspekt av det, hvorfor ikke leie en limo? Limousiner forbindes med luksus, klasse og stil. Ridning i en limo er en unik opplevelse av luksus og komfort i livet som du ikke bør frata deg av. Det kan være en perfekt formelle kjøretøy for bryllupet så velge en suveren limousin for den beste dagen i ditt liv! Noen limousiner er utformet til å bære store antall mennesker, som er perfekte for skytling din brudepiker og gjester å komme til spillested med stil og stress-fri måte.

Det er mange anerkjente limo service tilbydere tilgjengelig for å imøtekomme alle krav, smak og preferanser. Tokyo MK Taxi har lenge vært servering folk i Japan, Korea og USA tilbyr ikke bare en tur i stil, men en enkel og stress-fri måte å reise og komme frem til bestemmelsesstedet valgt. Videre er det mange ulike fabrikater og modeller av limousiner som kan bli valgt av de leter ritt som ingen andre, eller ultimate taxi rides i luksus, stil og komfort. Med over 212 typer taxi og 58 forskjellige modeller av limousiner, kan vi gi høyre limo service alles behov. Tokyo MK Taxi har Lexus gruppe entusiaster og biler i sine kjøretøy flåte er Lexus 600 hl, Lexus 460, BMW, Mercedes-Benz, Toyota Hiace og Nissan Fuga Hybrid og mange flere.

Wednesday, May 31, 2017

Galveston Capital: 10 of the Best Tourist Attractions in Jakarta


Top 10 best tourist attractions in jakarta

Best Jakarta Tourist Attractions – The connotation of Jakarta as a stalled city and all the problems of the metropolitan city are undeniable. However, the city of Jakarta is not as bad as expected. Destinations of tourist attractions, culinary in Jakarta and souvenirs typical of Jakarta are some fun things you can meet in this largest metropolitan city in Indonesia.

Compiled from various sources, Capture Indonesia provides some of the most popular and the best tourist attractions in Jakarta are visited by travel lovers, both domestic and foreign.

1. National Monument (Monas Monument).

This monument has a 132 meters (433 feet) memorial monument, established to commemorate the resistance and struggle of the Indonesian people in winning independence from the Dutch East Indies colonial government. The monument built by President Soekarno is crowned with flames lined with gold sheets. Monas is the most popular tourist attraction in Jakarta, as well as one of the pride of the Republic of Indonesia. Friedrich Silaban and R.M. Soedarsono is the architect of this monument. This place is open to the public every day from 8 am to 3 pm, except on the end Monday of every month closed to the public.

2. Thousand Islands.

Thousand Islands or Thousand Islands is one of the attractions in Jakarta which consists of several small islands is an interesting spot from among other tourist attractions entering the province of Jakarta. Thousand Islands coverage consists of Harapan Island, Bidadari Island, Pulau Tidung, Pulau Pari, and dozens of other islands. Most of them offer a relaxed atmosphere when visited with family.

3. Taman Mini Indonesia Indah (TMII).

Not only accessible to citizens of Jakarta, Taman Mini Indonesia Indah or TMII is also a popular destination for visitors from outside Jakarta and abroad who want to travel in Jakarta. Taman Mini Indonesia Indah is an interesting place in Jakarta that is suitable to be enjoyed with family. This site is evident from the thousands of visitors crowded this resort, the majority consisting of children, young people, and parents.

4. Ancol Dreamland.

It was popular with the name of Ancol Dreamland Ancol Dreamland, this one tourist destination is now more familiar called Ancol Dreamland. Perhaps Ancol Dreamland is a tourist icon in Jakarta considering in every day, this destination is never empty of visitors both domestic and foreign. Ancol Dreamland including one of the best tourist attractions in Jakarta is suitable to visit with family. Ancol Dreamland location is quite strategic so easy to reach from various directions.

5. Tidung Island.

Among the many small islands that belong to the Thousand Islands, Pulau Tidung may be the most interesting sights to visit. This island has a shoreline that is so shady and beautiful, making tourists feel at home for an extended stop on this small island. The dominance of a quiet and comfortable atmosphere is of course very suitable to relax with friends, relatives, and family.

6. Jakarta Old Town.

Kota Tua Jakarta or Jakarta Old Town is one of the best tourist attractions in Jakarta which is always crowded by tourists. The city of Jakarta with Old Town landmarks is a historical tourist attraction in Jakarta that gives a lot of knowledge. Various relics of the past you can still meet in an area that is always crowded during this weekend. Also, photography lovers will always love coming to the Old Town.

7. Tanah Abang Market.

For fans of shopping in Jakarta, you can visit Pasar Tanah Abang. From dawn, there are already some stores open in this market and will be closed at sunset. Tanah Abang market is always crowded to visit and feels will be crowded when the weekend. You should come on weekdays if you want to enjoy a convenient shopping experience because it is not crowded. Also, try to come in the morning. In Pasar Tanah Abang, the prices of goods sold are cheaply average. If you want to bid, then bargain as necessary.

8. Sea World Ancol.

Located within the Ancol Dreamland, Sea World Ancol is a destination that offers you knowledge of the life of a living biota in nature. In Ancol Sea World, the collection ranges from freshwater biota, consisting of 126 species of fish, five species of reptile to marine biota composed of 26 species, 13 species of invertebrates, five species of reptiles, and one mammal.

9. Fatahillah Museum.

Situated in the Old Town area of ​​Jakarta, Fatahillah Museum is the best place to explore many things about the history of Jakarta. Jakarta History Museum was established since 1707 with a typical neoclassical architectural style of the 17th century. When you enter this museum, you will be required to wear soft orange slippers. This site is considering the floor of Museum Fatahillah dating from the 17th century, and the use of shoes will erode the floor. In this museum, you can find many historical collections at least about 23,500 objects that tell the origin of Jakarta in the past.

10. Ragunan Zoo.

The Ragunan Zoo, established since 1864, was formerly run by the compassionate Association of Flora and Fauna Batavia. Area of tourist attractions in Jakarta this one for 147 hectares and has more than 2,000 animals. Jakarta’s famous zoo is also overgrown with more than 50,000 trees, making the atmosphere so fresh and comfortable. This is one of the famous children’s destinations in Jakarta, providing education and early recognition for children to live animals directly.

Sunday, April 23, 2017

Grab Your Camera. Spring Migration is Happening Now!


Spring is in the air! That means hundreds of migrating birds are heading north across the Gulf from Central and South America and Galveston is one of their first stops.

If you're a bird-watcher or nature photographer, you may already know that the Galveston FeatherFest Birding and Nature Photo Festival is coming up April 6-9. Leading up to the festival, photographers are invited to submit images of wild birds taken in Galveston and surrounding counties. Contest details are here.

The winners each week will be announced on Wednesdays and posted here.

For a little inspiration, the nice folks at Galveston Nature Tourism Council allowed us to assemble this slide show of winners from the 2016 contest.

Be sure to mark your calendar for April 6-9 for the Galveston Birding and Nature Photo Festival and head down to the island.  You are sure to learn something and see some really cool birds!

If you want to participate in any of the trips or workshops, be sure to register early. Many of the events sell out well in advance.

Sunday, March 19, 2017

Galveston Financial Capital: Starting Your Business

Questions?

1. What basic skills do I need to run a business?
2. What business should I choose?
3. What do I need to start my business?
4. How long will it take to start a small business?
5. How can I get my business certified as minority or women owned?
6. What insurance should I have?
7. Do I need to obtain a Federal Identification Number?

What basic skills do I need to run a business?

Starting a business can be challenging and previous business experience can be an important success factor. First hand knowledge of business and its four functional areas – management, operations, marketing, finance – and an understanding of the role of technology, contribute to a solid foundation and provide a basis for making informed business decisions.

What business should I choose?

Business experience is a plus, and the right kind of experience gives you an edge. Having worked in the industry you choose for your new business gives you insight and know-how that can be invaluable. Combine your background in the industry with strong management skills and you are on your way to success.

What do I need to start my business?

The Texas Road Map to Starting a Business contains directions to get your business off the ground and help strengthen our state economy along the way. This booklet covers eight essential steps to starting a new business.

How can I get my business certified as minority or women owned?

Federal, state and local government agencies as well as large private sector corporations have different eligibility requirements and application processes for certifying your business. The common denominator is that the business MUST be at lease 51% owned and controlled by one or more individuals who are eligible for certification. Consult your target customer to determine which certification(s) they accept. Then, learn the requirements and rules to determine if you are eligible to apply.

What insurance should I have?

An important aspect of your business is a well-planned insurance program. Types of insurance you should consider are:

•  Property Insurance
•  Liability Insurance
•  Product Liability Insurance
•  Automobile Insurance
•  Workers' Compensation
•  Disability Insurance
•  Business Interruption Insurance
•  Health Insurance
•  Life Insurance

Do I need to obtain a Federal Identification Number?

Sole proprietorships without employees can use the proprietor's social security number as a business identification number, providing the proprietor uses his or her own name for the business. Using a different name and/or hiring employees requires obtaining a federal identification number from the Internal Revenue Service (Form SS-4, Application for Employer Identification Number).

Thursday, February 23, 2017

Security and Risk Complaints Online on Home instead launches cybersecurity campaign


By Mat Batts the Dispatch

Home Instead Senior Care launched a nationwide campaign Friday aimed at better preparing seniors for internet scams and financial fraud attempts.

The effort, a partnership with the National Cyber Security Alliance, includes online resources as well as in-person seminars that provide detailed explanations of what online scams are and how senior citizens can stay protected.

The new program comes at a particularly relevant time locally, Home Instead Community Engagement Coordinator Shannon Holland said, as Davidson County residents continue to question how the sensitive information of more than 3,200 Davidson County Schools employees was breached through a phishing scam last month.

Holland said Lexington’s Home Instead office is offering the cybersecurity seminar to any community groups interested in learning more about the threats senior citizens could face.

According to a press release accompanying the fraud prevention rollout, Home Instead said senior citizens are often targeted by scammers because of a perceived accumulated wealth, and the idea that seniors might be less likely to report the crime.

“For seniors, this is a time in their lives when they should be able to trust that their life’s earning are protected,” Shanna Howard, owner of the local Home Instead office serving Davidson and Davie counties, said in the release. “Unfortunately, we know there are people who violate this trust.

“That’s why we are committed to helping seniors understand the ways they are at risk online and how to protect their information to reduce their chances of being scammed.”

Home Instead reported that nearly 97 percent of seniors age 70 and older are using the internet at least once a week to check email, manage money and keep in touch via social media. Of those who use the internet, according to a Home Instead survey, 67 percent have been the victim or target of at least one common online scam or hack. More than 38 percent, the survey said, report that someone has tried to scam them online, and 28 percent of surveyed seniors have mistakenly downloaded a computer virus.

According to a survey conducted by Home Instead on the cybersecurity risks senior citizens face, approximately one in five seniors operates a computer without any anti-virus software. Sixty-eight percent of the seniors surveyed report using a single password to protect their accounts across multiple websites.

Tax season also presents additional challenges for seniors who risk inadvertently revealing personal tax information or falling victim to a scam by someone posing as the IRS. While most seniors reported doing their taxes offline in the Home Instead survey, more 20 percent of seniors did report filing their taxes online and said they felt safe doing so.

Included in both the online and hard-copy information provided through the Home Instead program are tips on how to spot scams related to the IRS and who to contact in the event of an attempted scam.

“Cybersecurity is about risk reduction,” Michael Kaiser, executive director of the National Cyber Security Alliance, said in the release. “It’s difficult to achieve perfect security. But you can help older adults work to make themselves a more difficult target.”

Home Instead recommends that seniors create strong passwords and vary them from website to website, to avoid the risk of a large-scale breach in the event that a password is recovered by a scammer.

Additional tips also include monitoring a senior’s privacy settings on social media to ensure that information is shared only with close friends and family. Seniors who receive an inquiry online about taxes or a bank account should contact the company directly by phone to determine if the inquiry is legitimate.

An online quiz provided through protectseniorsonline.com walks seniors through 10 specific scenarios related to internet use, asking if they detect any red flags. Based on their answers, the quiz breaks down each risk with suggested courses of actions should a senior citizen come across a similar situation in real life.

Anyone interested in hosting a Home Instead internet security education seminar can contact Lexington’s Home Instead office at (336) 249-1011.

Mat Batts can be reached at (336) 249-3981, ext. 227, or at mat.batts@the-dispatch.com. Follow Mat on Twitter: @LexDispatchMB

Tuesday, February 7, 2017

Get Prepared: How to Safeguard your Small Business against Cyberattacks

Every business that uses a computer, email, software and the internet on a daily basis should establish computer security to protect their business on threats from cybercriminals. In most cases, small business are an appealing target for cybercriminals due to their lack of resources in establishing a strong security for their website, accounts and networks systems, thus, making cyberattacks a relatively easy job. Remember, a single successful cyberattack can seriously damage your business. Here are some and simple practices you should implement to strengthen the internet security of your small business:

·         Create and implement basic security practices and policies for all your employees to abide and educate them on cyberattacks and the impact it may bring to the business. This will ensure that your staff has appropriate awareness training, so that everyone understands their role in keeping the business secure.
·         Frequently back up important data. For added security, encrypt it. Store your backup copies either offsite or in the cloud. Computers and electronic devices must be physically locked and secured to prevent unauthorized access.
·         You must require a strong unique password on all your computers to make sure that only authorized individuals have access to the data. Consider creating a password expiration policy or implement a multi-factor authentication that requires additional details aside from a password to gain entry from the system.
·         Make yourself updated on latest schemes that cybercriminals do to victimize a business. Learning the newest threats on your business will help you in establishing a plan to protect your business even more.
·         Make it a habit of shredding documents and receipts that contain sensitive information such as personal and financial details if it is no longer needed.
·         One of the basic precautions to protect your company’s data is to make sure that all computers have antivirus and antispyware software installed and up-to-date. Make use of firewalls and spam filters too for added security.

·         Consider the services of a trustworthy company that works with small business to do difficult or time-consuming task. Such as utilizing the payroll service of Automatic Data Processing Inc. (ADP). 

Tuesday, December 13, 2016

Online Security: Cyber crime How companies are hit by email scams

Fraudsters are using clever impersonation techniques to siphon millions from unprotected businesses

When Keith McMurtry, corporate controller of Scoular, a 124-year-old US grain-trading and storage company, was asked by his chief executive to wire $17.2m to an offshore bank account, he did not question it.

Chuck Elsea told Mr McMurtry in a top-secret email that Scoular was in talks to acquire a Chinese company. The chief executive instructed him to liaise with a lawyer at KPMG who would provide the wiring instructions to an account in China.

“We need the company to be funded properly and to show sufficient strength toward the Chinese. Keith, I will not forget your professionalism in this deal, and I will show you my appreciation very shortly,” Mr Elsea wrote in an email in June 2014. Over three transactions, Mr McMurtry transferred the $17.2m to an account in the name of Dadi Co at Shanghai Pudong Development Bank, according to an affidavit signed by an agent with the Federal Bureau of Investigation and filed in a Nebraska court.

The email was a fraud. Criminals impersonated Mr Elsea by creating a phoney email account in his name. They also set up fake email and phone numbers in the name of a real KPMG partner, who later said he had never heard of Scoular. US authorities have traced the emails and phone number to Germany, France, Israel and Russia.

Scoular, which is ranked 66th on Forbes’ list of the US’s largest private companies with revenues of $5.9bn, is one of several thousand companies that have fallen victim to a new type of fraud known as business email compromise schemes which have netted $800m in the past six months.

In January 2015, Xoom, an international money transfer company bought for $890m last July by PayPal, a pioneer in digital payments, said an employee in its finance department was duped into transferring $30.8m in corporate cash to an overseas account.

Ubiquiti Networks, a US manufacturer of wireless networking products, disclosed that its finance department was targeted last June by an imposter and transferred $46.7m to overseas accounts. After discovering the fraud the company began legal proceedings and has recovered $8.1m.


More than 12,000 businesses worldwide have been targeted by the scams, also known as CEO email schemes, between October 2013 and this month. The transactions have netted criminals $2bn, according to the Internet Crime Complaint Center, an intelligence and investigative group within the FBI that tracks computer crimes. Companies large and small, across 108 countries, have been hit and the threat is growing, law enforcement officials say.

“It has gotten quite out of hand,” says Mitchell Thompson, a supervisory special agent and head of the financial cyber crimes task force in the FBI’s New York office.

The criminals are “becoming more brash”, he says, by introducing third parties, such as law firms and consultants, to carry out the fraud. They have also become more sophisticated about how they troll potential victims.

“They’re using social media a lot against us. They might send a spam email intentionally to see that the executive is out of the office, [making] it prime time to target. They might look on Facebook and see that [the chief executive is] travelling to Europe or Australia so they know you’re in the air for a certain amount of time” and have a window to strike, Mr Thompson says.

Tricking people using the internet to steal money is hardly new. There have been criminal groups taking advantage of users of dating websites and fundraisers for disasters or terrorist attacks. A decade ago authorities were flooded with complaints of bogus Nigerian email scams and false lottery winners.

Criminals use a variety of tactics. Sometimes they gain access to executives’ emails by hacking into the accounts using phishing emails. The accounts of chief executives can also be spoofed by changing a letter or replacing a company’s official email service with a Gmail account. The phoney account created to mimic the KPMG lawyer used the suffix @kpmg-office.com, a fake address convincing enough to trick someone who is not checking carefully.

The criminals usually impersonate the executive and order the transfer, often through a second account they secretly control, such as the one said to belong to the KPMG lawyer. The money is sent to accounts in Asia or Africa, where it is harder for authorities to recover. By the time the company realises it has been duped, authorities say, the money has long gone.

Mr McMurtry told the FBI that he was not suspicious of the transfers since Scoular was discussing an expansion in China and he had been working on an annual audit with KPMG, according to the FBI affidavit. Mr McMurtry, who is no longer with Scoular, did not respond to requests for comment. Scoular also declined to speak.


The scam began simply enough. Mr McMurtry received an email purporting to be from Mr Elsea. “I have assigned you to manage file FT-809,” the bogus email said. “This is a strictly confidential operation, which takes priority over other tasks. Have you already been contacted by Rodney Lawrence [the KPMG lawyer]?” It went on: “This is very sensitive, so please only communicate with me through this email, in order for us not to infringe SEC regulations.”

The following day “Mr Elsea” sent another email stating that the transfer was urgent and he should “proceed asap with the wire to the same beneficiary and bank account as yesterday”.

FBI agents traced the phoney email account in Mr Elsea’s name to Germany. The KPMG email name was linked to a server in Moscow. The phone number provided was traced to a Skype account registered in Israel.

Scoular’s lawyers told the FBI that Wells Fargo said Dadi — the name on the account in Shanghai where Mr McMurtry sent the money — manufactured army boots. Dadi claimed to the bank that the wire transfers were part of a sales contract for the manufacture of boots, according to the FBI affidavit. Scoular said it did not purchase boots.

Mr Lawrence, the KPMG lawyer whose identity was used in the email scheme, is the global leader of KPMG’s international tax services. When interviewed by the FBI he told them he was not familiar with Scoular and had not spoken with anyone at the company, according to the affidavit.

The FBI obtained a court order to seize the funds held at Shanghai Pudong Development Bank but was told that the account had been closed and the funds transferred.

Business email compromise crimes are “a huge” problem, says Austin Berglas, head of cyber investigations at K2 Intelligence and a former chief of the FBI’s cyber branch in New York. Executives are so reliant on email they do not pick up the phone to confirm the transaction and “there is no second check,” he adds.

Some of the email scams are similar, suggesting they come from the same criminal organisation.

The FBI and US Justice Department have several investigations under way. Over the past 12 months the FBI has put more intelligence analysts on the case and have liaised with law enforcement agencies worldwide. “We will open cases this year and we will make arrests this year,” says James Barnacle, chief of the FBI’s money laundering unit.


Glen Wurm, director of accounting at AFGlobal Corp, which makes products for the aerospace, oil and gas industries, received an email in May 2014 similar to that sent to Scoular.

Purportedly from Gean Stalcup, the company’s chief executive, it said: “Glen, I have assigned you to manage file T521. This is a strictly confidential financial operation which takes priority over other tasks. Have you already been contacted by Steven Shapiro [attorney KPMG]?”

Mr Wurm was told not to speak to anyone and was directed to wire $480,000 to an account at the “Agriculture Bank of China”, according to legal documents. The hacker mimicked the tone Mr Stalcup used with Mr Wurm, according to a lawsuit that AFGlobal filed against its insurer Federal Insurance.

Six days later, Mr Shapiro contacted Mr Wurm confirming he had received the transfer, adding that he needed another $18m, according to a lawsuit. At this point Mr Wurm became suspicious and said he could not send so much money without alerting senior executives.

It was too late: the bank account had been emptied. AFGlobal is suing Federal Insurance and Chubb, its parent company, seeking more than $1m for allegedly breaching its contract by not covering the claim. Chubb has declined to comment.

Mr Thompson has declined to discuss either scheme but says criminal groups copy successful tactics. While some schemes have been as large as $90m, the average loss is $120,000.

“The ones you don’t hear about are the smaller corporations that send $50,000. They’re saying, ‘I’m not going to make payroll, we’re going to close our doors’ as a result of the fraud,” Mr Thompson says.

There is little that companies can do to recover the funds. Banks are not required by law to reimburse a company that makes a transfer. Cyber insurance policies might not cover a fraud against a company if its network has not been hacked.

“The bank will look at the totality of what the company has done to protect itself and whether or not they’re adhering to the agreement that the company has signed associated with the initiation of any of these wires,” says Doug Johnson, senior vice-president of overseas payments and cyber security at the American Bankers Association. One good practice is requiring the approval of two people, he says.

That practice is not fail-safe, however.

Like AFGlobal, Medidata Solutions, a clinical technology company, fell victim to email fraud in September 2014.

An employee in accounts received an email from an executive requesting a money transfer, according to a lawsuit filed in a federal New York court against Federal Insurance. The email included an image of the executive’s face and his signature.

Like the other alleged scams, the email included the name of a lawyer, who would act as a liaison for the employee. The employee told the lawyer that he needed the approval of two others before a $4.7m transfer could be made.

The fraudsters had a solution, though. Later that day, two employees with authority to sign off on the transfer were emailed instructions, purporting to be from the chief executive of Medidata, telling them to approve the wire to a bank account in China.

The transfer went through. Two days later, an email from the lawyer told the same employees to initiate a second transfer of $4.8m. One of the employees had grown nervous and called the executive direct — stopping the fraud and saving millions for the company.

Yet law enforcement officials say companies need to be more vigilant to guard against a crime that has become simpler to commit. “It’s easy,” says Mr Barnacle. “All you need is a computer.”