#‘’legitimately reasonable action to take to protect your data from corporate interests’’ | Explore Tumblr posts and blogs

charlieharry1 · 5 years ago

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Getting geared up for the general information protection regulation

The affect team were inundated with requests from clients, buddies and companions over the previous few weeks as the general records safety law (gdpr) cut-off date looms. In this weblog Digital Marketing Agencies in London post, i don’t intend to provide felony recommendation, but more of a technique i’d suggest you recollect on your corporation. As with any new laws, the precedent from case law has not but been set, so what’s presently taken into consideration “best practice” (in april 2020) won't be the case months from now. We grouped some of the extra normal questions and have offered up our fine (non-felony) recommendation below;cookies if ‘legitimate hobby’ exists, certainly note this in your privateness coverage, no similarly consent required. If ‘legitimate interest’ does not exist, you want explicit consent. Either way, record this to your privacy policy. Bureaucracy if ‘valid interest’ exists, or records is being collected out of contractual necessity (i. E. To finish a cart buy), no further consent is needed. If ‘legitimate hobby’ does now not exist (i. E. Robotically signing someone as much as a advertising e-newsletter once they entire a shape), specific consent is required. Keep in mind the purpose of a form – a publication subscription shape doesn’t want separate advertising consent, as that’s its cause, but a e-newsletter subscription on a “create an account” form does as that’s a separate motive. Website / crm statistics you have to set an expiry date for any records you shop – you cannot maintain it indefinitely. You must have a plan in area for dealing with any facts breach. You need to be able to expose the information concern what facts you preserve on them, and be capable of get rid of it at their request. You may save enough records after removal to make certain you do now not contact them once more, i. E. An e-mail deal with on a suppression list. Privateness coverage a must for all businesses documenting their compliance with gdpr and other laws.

This document will country your business information at the side of the way to communicate along with your information protection officer. This informs records subjects what you do with their statistics and how they could access or do away with it. Audience lists and client fit information you are the information processor, the advertising and marketing platform is the statistics controller, so the onus is at the controller to attain consent, and on the way to use the facts in step with that consent. If importing information units for custom suits and so on, you want to have amassed that information in a gdpr compliant manner — beneath a felony basis, which can consist of ‘legitimate pastimes’. E mail marketing lists use double decide in to make sure consent and the gdpr deadline as a very good reason to cleanse your lists now. Any lists you purchase ought to have been collected in a gdpr compliant manner. Inner strategies report all information storage, flows, inputs and outputs. . Teach staff on records protection. Be organized for a information breach with a clear plan. In this publish

we’ve addressed major angles of thinking with admire to cookies; cookie notices and the specified changes to cookie guidelines. The requirement for internet site cookie notices is extensively unchanged due to the fact that its felony requirement began in may additionally 2012, however its uptake has been low, inconsistent and now not actively enforced. Except a cookie is a purposeful cookie (consisting of to replace a buying basket or hit upon which usa a tourist is browsing from), consent is required to area it. A few organizations search for a effective decide-in to setting cookies and a few display handiest notifications in their presence. The gdpr mentions cookies most effective once in the modern-day literature (recital 30), and classes them as personal statistics in which they may be blended with specific identifiers or server records that could then discover someone. Cookies classed as non-public statistics (consisting of as logged in cookies or patron identification cookies) can be processed either with consent or under a “valid interest” under the gdpr. The gdpr offers us the potential to manner statistics under a “legitimate interest” whilst;

the processing isn't required by way of law however is of a clear gain to you or others;

there’s a restricted privateness effect at the person;

the character must moderately count on you to use their records in that way; and

you cannot, or do no longer want to, deliver the man or woman complete prematurely control (i. E. Consent) or bother them with disruptive consent requests whilst they're unlikely to item to the processing. A number of huge agencies are in reality already processing at least useful and advertising analytics cookies under this “valid hobby” method and it could be that that is the route the majority of businesses will select to take. If you are collecting any records under valid interests then make sure to encompass this in full for your privateness policy. To conform, at present, many websites are not placing for my part identifiable information in cookies on preliminary web page loads. They they display a clear message or opt-in form depending on their preference, whereby cookies are then set after consent. Till we see better examples of implementation, or case regulation to set the expectancies further, the complete industry is being led by way of this “first-class practice”. For the ones agencies currently with out a cookie policy, it’s in reality really useful to generate one from a reliable template, and then to audit and write up the beginning and purpose of each cookie set by way of your website within the policy. Similarly, ecu law offers statistics subjects the right to be forgotten, so site visitors should be able to withdraw consent simply as without problems as they gave consent. Wherein viable, signpost your clients to suitable locations to disable marketing and advertising and marketing carriers from 0. 33 events and additionally make certain your internet site honors “do now not track” browser requests. Paperwork

internet site paperwork throughout a internet site frequently serve a large number of functions – from advertising automation and publication subscriptions to simple one-time contact forms. This spectrum is mirrored via the requirements under the gdpr to benefit express advertising consent from your customers whilst they're filling them out. Any statistics you collect from a form should be processed lawfully. There are three relevant lawful bases, and you have to determine which is maximum relevant for your shape information:

consent. If a shape handiest collects non-public facts to conclude a agreement, inclusive of in a checkout shape, no action is important to make it gdpr compliant because the facts is processed as a contractual necessity. As a substitute, if a form carries out moves which might be fairly expected, inclusive of a contact shape sending an e-mail to your commercial enterprise and recording the shape data in a crm machine, it's far likely that the information is processed with a valid hobby (inclusive of to perform advertising and marketing activities). If that is the case, your privacy policy need to document this. If there is neither a contractual necessity or a legitimate interest, consent will be required. As an example, a user wouldn’t fairly anticipate a contact form to signal them as much as weekly marketing emails, so consent, inside the form of a tick container which the user have to undoubtedly tick, would be required. It’s also properly practice to get e mail information thru a double decide-in affirmation which all properly e-mail platform providers will provide. In case you want to market in your lapsed or previous clients, you need both express consent or a terrific argument below legitimate pursuits, and once more those should be unique to your privateness coverage. For pre-gdpr records, recollect how the statistics was amassed. If it changed into gathered in a way similar with your gdpr-compliant strategies (marketing company double opt-in, for instance), you then is probably inside the clear. The safest course for masking your lower back for preceding records wherein you're unsure as to whether or not it become collected according with gdpr is to ask for consent previous to can also twenty fifth and cleanse your lists before this date for records for that you do now not have consent. If you go down the consent direction, make certain you have got a log of the consent (i. E double choose in date) to your statistics. Storing records on your website or crm

if private information is to be saved, then you must keep in mind what the average consumer may count on you to do with it. You cannot shop this records indefinitely so an expiry records ought to be determined. If it's miles to be stored then this must also be sincerely defined to your privacy policy, at the side of instructions on how a information difficulty may also carry out a statistics access request and/or request its everlasting deletion. With gdpr, transparency is prime. If there is a information breach, you will want to alert the ico who will then probable look at your employer to test for compliance. A minimum of, there are six gdpr data safety ideas which you must adhere to, which the ico has laid out here. If at gift you are not storing information in a relaxed crm, then this have to be a key attention going ahead, as there are plenty of gdpr and other great motives for doing so;

centralised lead garage,

managed lead get entry to,

availability and simplicity of website integrations,

ease of appending advertising source/medium information,

typical stepped forward facts excellent, and

simpler gdpr compliance via method

if you obtain website leads thru email most effective, it’s first-class education to permanently delete those as soon as you have got handled them or moved them to a greater at ease carrier, like a crm. If you can not exchange this technique, element it in your privateness policy under a valid hobby or gain consent on the factor of facts introduction – and hold a document of this consent date. To save digging round on your e-mail inboxes and website databases, it’s worth the funding of a crm to make sure destiny information subject get admission to requests are painless. Privacy policy

cookie and privateness rules are sometimes intertwined, although the real requirement beneath the gdpr regulation is your privateness coverage. Your privateness coverage is one of the most important public going through documents you will need to create to reap gdpr compliance as this information to your customers and customers what you save and for a way long, in addition to how they'll carry out a statistics get admission to request. Privacy regulations might also take some of paperwork and be primarily based on a number of templates, however the ico have helpfully created a tick list, which if accompanied, will make sure you’re compliant come may 25th. Get right of entry to the ico checklist here. As with many legal documents, complexity grows with the size and complexity of your business, so in case you recognize you save data in silos throughout your corporations, for exclusive purposes, then it’s simply well worth looking for prison advice to make certain each eventuality is blanketed. Audience lists and customer healthy data

maximum advertisers in 2020 could be processing audience data thru massive aggregate information controllers/processors like google analytics, adwords or facebook ads for the reason of remarketing and retargeting. The marketing giants, led by using facebook and google, have currently asked customers to verify their consent for the usage of non-public records to form marketing alternatives (this turned into required on facebook, for instance) because of this the facts they're “controlling” is amassed in a gdpr compliant way. Advertisers are then information processors in this relationship, as facebook explains in addition on its gdpr advisory page right here. This covers the usage of tracking scripts and tracking pixels as the individual customers could have consented to offering this data to the controllers and it’s the controller, now not the advertiser, who's using that facts within their platform to operate the advertising characteristic. Advertisers can continue to submit additional records to those controllers via the usage of “custom audiences” or “purchaser fit” records sets via appointing them as a records processor — for which you need a legal foundation to achieve this. Again, this relies upon to your personal legal interpretation of valid interest vs. The requirement for consent for sharing this statistics and this can nearly usually come again to the method wherein the records become accumulated in the first area and the expectations of an affordable/common client. Email advertising lists

e-mail marketing has been ruled inside the united kingdom by way of separate rules considering the fact that 2003. The gdpr does now not alternate the requirements drastically, however once more affirms the need to gather “freely given, particular, informed and unambiguous consent” for the collection and storage of personal statistics (article 32). Therefore, if you have been amassing statistics below a double decide-in method and your customers or customers are waiting for to obtain advertising messages from you, you could already be absolutely compliant. Your particular moves for full gdpr compliance may additionally range but so that it will decide this, you have to first audit the geographic unfold of your email marketing database (looking for all eu member country international locations) and make sure you have a clear audit trail of double decide-ins, suitable marketing consent and importantly a method for consumers to without difficulty withdraw their consent. Importantly, the gdpr rules applies to all data whether or not it was amassed before or after the may additionally 25th cut-off date, so this complete audit method is vital for compliance. It’s nevertheless possible to purchase electronic mail advertising lists from professional providers after the gdpr cut-off date however quite a few care ought to be taken to make certain listing records changed into collected in a gdpr compliant way. Your duty to allow the easy withdrawal of consent still applies. Additionally – it’s well worth bearing in thoughts that just because purchased lists can be compliant, they will no longer be the exceptional direction ahead for advertising efforts and your e-mail marketing approach; as many electronic mail carrier providers have advised for some time — simply because it’s felony doesn’t imply it’s nice to your commercial enterprise. For simple programs, like an e mail publication signup, you should make certain that customers undergo a double choose-in manner and save the date in their consent to acquire your e-mail marketing messages. Double opt-in isn't always required, however it is a accessible manner of recording the date of consent — all correct email companies and crms will provide this. For extra complicated uses, or whilst there are more than one effects associated with the action – as an instance developing an account and subscribing to a publication, separate consent is required for sending customers advertising messages (privacy and electronic communications rules will exist alongside the gdpr). Inner strategies

Read Also:- Google clears that it is not slowing crawling sites because of Covid-19

apart from making technical adjustments in your website or internal software program, the most important burden created by using the gdpr is the inner procedures you'll need to comply with after the may additionally 25th closing date. The uk ico have released a easy infographic tick list which may be discovered right here to get you started so this is a great starting point. You have to make your team of workers privy to some key modifications to statistics processing and storage – namely;

the proper to be forgotten

statistics difficulty get admission to request rights of data subjects

facts portability

facts breach reporting responsibilities

go-border statistics processing prohibitions

you have to additionally be addressing a lot of these new worries with a brand new privacy policy in addition to updating your cookie coverage to make sure cookie statistics is transparent. Your privacy coverage must nation the usage of cookies and digital advertising monitoring offerings you’re using and detail how customers can opt out of this. If you do now not yet use a crm for marketing and income purposes, however as a substitute rely upon (for instance) an e mail inbox for dealing with enquiries, it's miles truely well worth considering this now. There are plenty of easy, unfastened, integration answers to be had to get you began. A crm will make sure safe garage, permissioned access, and easy deletion/removal of facts not less than. You must create a file in coaching for use ought to you be within the unlucky position of reporting a information breach. The ico offer a checklist to get you started out here. Internally you should map the information flows inside and out of your employer, together with the facts stores if you want to create a information audit/map. This useful workout will pick out everlasting data stores, in addition to insecure or much less premier processing/controlling strategies. For every, check your gdpr compliance. Without a doubt placed, as a controller, you want to:

make sure you manner the information lawfully,

make certain you have a privacy policy in place, and

exhibit compliance with policies thru your audits and documentation

in case you are best a processor, you have to:

ensure you're appearing within the bounds of what your facts controller allows you to do. In case you are storing records in any manner which isn’t absolutely secure, then you definately have to address this at once. As with every new regulation, we look forward to case regulation developing a extra subtle “satisfactory exercise” for some extra trivial sme problems indexed above. However till then, appearing lawfully and being prudent is your first-class wager. For any complexities now not extensively mentioned in this put up, separate criminal advice can be required. If you have any queries, check out my colleague jamie’s blog post gdpr: an action plan for corporations and entrepreneurs.

>>>28. Your virtual possibility: insights for entrepreneurs and enterprise proprietors

growing a commercial enterprise without a digital advertising and marketing method is like jumping out of a aircraft with out a parachute – it’s just not going to paintings. But knowing where to apply advertising and marketing price range and efforts can be a assignment. Much like identifying the satisfactory parachute to get you competently to the floor, entrepreneurs want to review the variety of options available to pick those which might be most probable to help them acquire their goals, in the framework of ways their enterprise works, who they’re attempting to talk to and the position in their marketplace. We have been thrilled to host a workshop in which our virtual marketing professionals shared their pointers and recommendation for corporations investing in digital advertising and looking for the subsequent way to sculpt their techniques for max impact. You’ll discover the slides from our speakers right here. For more bespoke advice to assist your business supercharge its digital marketing strategies, get in contact with our crew nowadays. The today's updates affecting seek marketing

pete jovetic opened the event with a precis of those things affecting digital marketers today:

the trendy updates affecting seek advertising

search engine optimization exceptional exercise for growing online agencies

sean burton, search engine optimization strategist at affect, took to the degree to share his tips for agencies across the seo journey. For those simply beginning out, basic pointers and recommendation for search engine optimization foundations furnished essential first steps, whilst extra advanced marketers will had been able to evaluation their personal foundations and begin considering extra complicated approaches to boost their search visibility:

research greater about our search engine optimization offerings. Getting more bang on your greenback in percent advertising and marketing

lauren capon, senior % government at influence, talked our target audience thru the big opportunity, and plenty of nuances, of paid advertising and marketing on-line. In a digital landscape in which ‘pay to play’ appears ever greater ordinary, the range of ways to increase your attain via shrewd paid marketing is growing:

learn extra about our percent services. Developing sales via conversion charge optimisation (cro)

our very last speaker changed into edd wilson, search engine optimization strategist and cro expert at impression. Getting site visitors to your website is simplest the first step, and as superior Digital Marketing Companies in Leeds marketers will recognize, it’s converting that visitors that may be the biggest venture – specifically in extra competitive markets: research extra approximately our cro services. A huge thanks to anyone who attended. Look out for more events from affect, coming quickly.

#digital marketing companies leeds

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marylandprelawland · 6 years ago

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The Los Angeles Legal Disputes Over Improper Data Mining of the Weather Channel App

Jiayi Song, Johns Hopkins University, Class of 2018

January 11, 2019

Living in an era labeled by highly developed technology, an increasing number of people are becoming more and more concerned over the sensitive issue of maintaining their privacy in the digital age. Just imagine that all your location data 24/7 are monitored by someone else for purposes without you knowing it can be quite scary. Indeed, a recent debate over this privacy issue is sparked by the lawsuit filed by Los Angeles city attorney Mike Feuer against one of the most popular smart phone weather information providers in the U.S., The Weather Channel Product and Technology, LLC. Feuer’s reason for suing is that according to him, The Weather Channel has been misleadingly using its mobile application to mine its users’ private data by tracking, including their geolocations and frequent places, for the purpose of selling such highly personal information to its parent company, the International Business Machines Corporation, third-party advertisers, and other affiliated business organizations that take an interest in studying and analyzing customer behaviors [1].

Specifically, the central contention is over the allegedly deceptive privacy policy of The Weather Channel application: from Feuer’s perspective, The Weather Channel intentionally makes its privacy statement exceedingly long in length, which amounts to around ten thousand words, and vague in wording regarding its collection of users’ geolocation data [2]. The opposition of the defendant The Weather Channel instead stresses its legitimate acquisition of users’ location data without resorting to illegal or deceptive mining activities while citing the promised function and content of the smart phone app on its official website [3]: basically the defendant alleges that the application’s location tracking function is used solely for the purpose of providing its users with customized information about the local weather conditions to which the users are exposed, rather than tracking the exact locations of its users for commercial purposes of making profits and promoting businesses [4]. Facing such counterargument, the plaintiff addresses that for any party complained to be involved in unfair competition, according to the California Business and Professions Code §§ 17204:

Actions for relief pursuant to this chapter shall be prosecuted exclusively in a court of competent jurisdiction by the Attorney General or a district attorney or by a county counsel authorized by agreement with the district attorney in actions involving violation of a county ordinance, or by a city attorney of a city having a population in excess of 750,000, or by a city attorney in a city and county or, with the consent of the district attorney, by a city prosecutor in a city having a full-time city prosecutor in the name of the people of the State of California upon their own complaint or upon the complaint of a board, officer, person, corporation, or association, or by a person who has suffered injury in fact and has lost money or property as a result of the unfair competition [5].

Therefore, with such legal backup, Los Angeles sues The Weather Channel for violating the Unfair Competition Law of California, and city attorney Feuer proposes the assessed civil penalties for each violation of the Unfair Competition Law to be $2,500 per Californian, although at present he is still unclear about the exact number of California residents who use the mobile application.

Even though the case has not reached any further progress yet, the issue of protecting personal privacy against unlawful disclosures in the age of mass media remains a controversial and highly sensitive one. Driven by lucrative motives and complex business relations, it is imaginable that corporations may participate illegitimate and deceptive commercial operations such as mining the geolocation data of app users with intentionally obscure wording of privacy policy. Yet the business leaders and entrepreneurs may need to pause for a while to think over if they have a baseline for making profits before deciding to engage in the gray area of law. The echo of humanity should not be forgotten when one weighs and monetizes his or her material gains in the digital era.

________________________________________________________________

[1] [3] Silverman, H. & Sterling, J. (2019, Jan. 5). "Weather Channel app sued over alleged mining of users' data". CNN News. Retrieved from https://www.cnn.com/2019/01/05/us/weather-channel-app-suit/index.html.

[2] Unknown Author. (2019, Jan. 4). “City Attorney Mike Feuer Files Lawsuit Alleging the Weather Channel App Mines Users’ Private Data Without Their Informed Consent”. Retrieved from https://www.lacityattorney.org/single-post/2019/01/04/CITY-ATTORNEY-MIKE-FEUER-FILES-LAWSUIT-ALLEGING-THE-WEATHER-CHANNEL-APP-MINES-USERS%E2%80%99-PRIVATE-DATA-WITHOUT-USERS-INFORMED-CONSENT

[4] Unknown Author. (2018, Dec. 5).“The Weather Channel App, Reimagined. Here's What You Need to Know”. Weather.com. Retrieved from

https://weather.com/news/news/2018-08-25-the-weather-channel-app-update

[5] California Business and Professions Code §§ 17204

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trendtshirtnewposts · 5 years ago

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Interests are a fun way to spend your spare time. A lot of people discover that their childhood interests grow into a more substantial interest in seeking a job in the connected discipline. This is certainly a single reason why hobbies and interests in kids ought to be motivated. Keep reading for additional details on hobbies and interests and what they should offer your family members.

When you are just starting up a brand new interest, don t make investments a lot of cash in it straight away. You need to ensure that the hobby is one thing you are going to take pleasure in for a long period just before you find yourself spending a ton of money on issues you may never use yet again.

Switching your children to hobbies and interests with an young age can help them in several methods, and research advise it will also have them about the straight and filter. Kids who participate in more-curricular sports activities, artwork actions, and various night clubs readily available often do better in education also. Bring in those to a lot of hobbies and interests, and allow them to select their preferred!

If you like focusing on personal computers, you may want to take the next step and change computer coding in a hobby. This is among all those pastimes that can repay (virtually) over time. The better you teach your self, the better marketable abilities you ll when looking for employment. As well as coding might be loads of fun too.

Set aside time for your personal pastime. A number of people want they had more time to spend making use of their interests, but the truth is that you simply must make time for doing it. Placed your hobby within your schedule at the outset of the week, and work all around it up to you may.

If reading through will be your interest associated with preference, you will understand how pricey books can be to buy. Why not contemplating making an investment in an e-reader product? Electronic digital guides are much less costly to acquire how the paper varieties. In addition, a lot of libraries now lend electronic digital books as well. You can take care of the newest produces at a small fraction of the fee.

Before deciding on a activity that fits your needs, try out a compact task first. If you think that you might take pleasure in quilting, start with a desk athlete or tiny cushion to determine if quilting fits your needs. If piece of art is attractive to you, give it a try on a small canvass.

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This post ought to have uncovered that there are reasons for having hobbies and interests that are not well-known. To find the most out you pastimes, you will find stuff you must know about. Use the ideas from the post to assist you to attain a fresh respect towards your favorite hobby.

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mrhotmaster · 5 years ago

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Coronavirus: Workers Trying To Maintain The Internet?

Coronavirus: How ISP Engineers Trying To Maintain The Internet Alive During COVID19 Lockdown?

Both ISPs and telephone providers are already working hard to give their customers internet access.

As the 21-day lockdown imposed because of the spread of coronavirus keeps, people around the country (and the sector) are depending more and more on the Internet. Although the government has denied that the lockdown is going to be extended, many of us will possibly preserve to work at home for a little longer, and whether it's far for paintings or enjoyment, the Internet is important. There's been plenty of discussions approximately whether or not or now not the Internet should run out of bandwidth in these attempting times. But, of the path, there is no other manner wherein you could loose get entry to — if your local connection goes down. Keeping the Internet is an essential carrier, and the engineers operating with organizations like Airtel, ACT, and others, are doing a hard task to ensure customers are capable of stay linked.

Arun Kumar has spent seven to 8 hours addressing over 20 person proceedings an afternoon whilst staying at domestic at some point of the coronavirus outbreak. Although he cannot visit users in-person to apprehend their problems — a project that he changed into doing regularly before the lockdown imposed — he said he tries to solve every complaint he acquired via his telephone both at once from the users or thru his organization's local assist crew. Aside from direct aid, the other paintings that Kumar has finished are to coordinate with other engineers to make certain there's enough to assist coverage in Delhi.

Kumar is one of the area engineers of the main Internet Service Provider (ISP) in India, and it's due to human beings in jobs like him that the rest people can work from home, or read articles like this one.

All ISPs and telecom operators in recent times are working difficult to provide good enough Internet to get right of entry to their Indian customers. Many of them have also introduced diverse upgrades to their current systems to maintain the Internet up and jogging for the loads inside the country.

“We have taken several measures to improve your experience – from accelerating our rollouts, upgrading high-quality of service wherein feasible and advancing our investments to satisfy your necessities,” Airtel CEO Gopal Vittal said.

Vodafone Idea, the second one-largest telecom operator within the country After Reliance Jio, additionally took various steps to ensure lively Internet get entry to for its over 332. Sixty-five million users. "A robust pandemic response plan with appropriate risk reduction protocols is implemented at the time of the continuing essential techniques for sustaining our telecommunications networks," says the telco.

The lockdown has improved the call for Internet connectivity amongst Indians as lots of them have commenced running remotely from their houses. There are also many people who are regularly the usage of video streaming apps and speaking with their cherished ones via video chats. Most of the telcos inside the country. Have additionally supplied extra blessings to help people stay indoors for the duration of the coronavirus outbreak.

“The Internet has now morphed into a social necessity and an essential carrier for existence. Therefore all of us ought to shoulder the responsibility to make sure that humans are linked, and fast,” said Udit Mehrotra, CEO, Spectra, in communication with the company.

Prasanna Gokhale, CTO, ACT Fibernet, highlighted an increase in top site visitors in recent times. “We have seen over forty percentage growth in our height site visitors on our network in a quick period. Our community is destiny prepared to scale up significantly to meet growing needs in all of the towns we are found in,” he told to the company.

The task that those corporations face now, is to deliver a dependable connection at a time whilst lots of their employees also must make money working from home.

Randeep Sekhon, CTO, Bharti Airtel, expressed that more than 80 percent of Airtel representatives are at present telecommuting. Comparable examples are there at Vodafone Idea, Reliance Jio, ACT Fibernet, and different organizations empowering Internet access for many Indian clients. For the field staff however, telecommuting isn't constantly conceivable, many despite everything need to go out despite the lockdown.

Barriers in giving consistent availability

Designers like Kumar, who must be on the ground to set up new associations and fix progressing issues, can't go out because of the across the nation lockdown. In spite of the fact that the legislature has distinguished telecom and Internet access as a piece of fundamental administrations that are being excluded from the lockdown, the request passed by the home minister's office prescribes telecom organizations to telecommute "beyond what many would consider possible". A few states have begun dispersing time limits goes to permit fundamental activities. Be that as it may, getting those goes to the designers who will fix a current Internet association or set up another association, isn't simple.

"It's gotten hard for experts, generally the lower-level professionals, to move around and to amend issues revealed by clients," said Vivek Raina, CEO, Excitel, while talking with company over a call.

Telecom administrators and ISPs are sending their specialists, for example, field laborers, organize architects, and fiber splicers to experts for getting time limitation passes all the time. Some of them have additionally made conversations with the Department of Telecommunications (DoT) and other legitimate bodies to facilitate the procedure. Be that as it may, while the architects talk about experiencing issues, the organizations see these as just little issues.

"The brief hiccups that we confronted were because of limitations set on the development of individuals and materials intercity and intracity," said Gokhale of ACT Fibernet. "Nonetheless, with the help of suitable specialists, we have had the option to resolve many last-mile challenges and are proceeding to convey a guaranteed understanding of fast, dependable Internet availability."

The experience of the laborers on the ground is somewhat unique concerning what their officials are stating however. While the supervisors telecommuting are expressing that things can return to typical, for the individuals accomplishing the work on the ground, it stays a difficult time. A few help engineers disclosed that separated from the lockdown limitations forced by the specialists, different RWAs are likewise not permitting them to enter the premises. "We are prepared to give our ID cards and even time limit passes, however, a few social orders have carefully instructed us to don't enter their limits and attempt to fix the issues remotely," said Rajesh Kumar, who functions as a support engineer with a presumed ISP.

Medicinal services of designers are fundamental

Consequently, the organizations are likewise finding a way to follow the soundness of their designers, and to promise the clients that it's protected to give them access."I have to assure you that we take all appropriate wellness and safety gages if you have any Airtel representative you can contact – at an Airtel shop or home." Airtel's Vittal composed. "We have not just ventured up sanitation and given veils to all our field power but at the same time are taking proactive prudent isolate measures, as and where required."

ACT Fibernet, Excitel, Reliance Jio, Spectra, Vodafone Idea, and different players are additionally professed to have given covers and other security rigging to their representatives and field laborers.

"To ensure that COVID's wellness teams are regularly linked with members at a local city level to provide constant data and respond to any question and clarification in collaboration with company specialists, community experts and health focuses," Gokhale from ACT Fibernet said. "Emotional wellness is likewise significant at this stage and we have our organization directing accomplices who give advising administrations to workers and families as required."

Vodafone Idea additionally referenced that it had sorted out transitory stay courses of action at its server farm areas and made nourishment and goods accessible at basic areas. Besides, vehicles have likewise been given by the telco to encourage the development of specialized staff to locales.

"We have told our designers, whoever needs to work, they can sign in," said Excitel's Raina. "An equal number of people in their homes who have old guardians, poor guardians and small children."

Besides Excitel, Spectra has additionally empowered its Network Operator Center (NOC) to be observed and worked remotely and made the remote working of its day of work engineers conceivable from their home areas utilizing virtual private system (VPN) availability. "My need presently is to guarantee that my partners stay protected, sound, and accessible to serve the thousands who are looking for our assistance right now need," said Mehrotra of Spectra.

Enormous interest for new associations, yet nobody to set them up

Because of reasonable information accessibility on cell systems, wired broadband in India was stale for quite a while. One reason behind the still market of wired broadband administrations in the nation is accepted to be the appearance of Reliance Jio that upset the telecom segment with ultra-modest information plans for portable clients. In any case, this pattern has changed definitely due to the coronavirus episode that has bolted the lives of numerous individuals around the globe.

"We didn't see that much development in clients over the most recent two years," said Raina of Excitel, which saw multiple times increment sought after for new associations for a multi-week going before the lockdown. "Out of nowhere since individuals began telecommuting, they presently required considerably more information than they had the option to expend prior."

Not simply Excitel, different ISPs, and broadband organizations are likewise observing comparable augmentations sought after. The day by day normal requests for broadband associations at Spectra have expanded by 3.2 occasions over the most recent two weeks alone when contrasted with the start of the month. So also, Airtel's Vittal in his note to clients additionally underlined that home broadband clients were presently moving up to quicker speeds and a bigger amount intends to help telecommute and concentrate on home needs.

Close by famous broadband organizations, nearby link administrators are likewise observing a critical development popular for new associations.

In any case, numerous specialists and client assistance administrators at ACT Fibernet, Airtel, and Reliance Jio disclosed on the state of namelessness that they're not tending to any new association demands since they don't have staff all set out because of the lockdown.

The experience of the laborers on the ground is somewhat unique to what their officials are stating however. While the supervisors telecommuting are expressing that things can return to typical, for the individuals accomplishing the work on the ground, it stays a difficult time. A few help engineers disclosed that separated from the lockdown limitations forced by the specialists, different RWAs are likewise not permitting them to enter the premises. "We are prepared to give our ID cards and even time limit passes, however, a few social orders have carefully instructed us to don't enter their limits and attempt to fix the issues remotely," said Rajesh Kumar, who functions as a support engineer with a presumed ISP.

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wordgame-mergeheroes-blog · 5 years ago

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Word Game has adopted this privacy policy (“Privacy Policy”) to explain how Word Game collects, stores, and uses the information collected in connection with Word Game’s Services. BY INSTALLING, USING, REGISTERING TO OR OTHERWISE ACCESSING THE SERVICES, YOU AGREE TO THIS PRIVACY POLICY AND GIVE AN EXPLICIT AND INFORMED CONSENT TO THE PROCESSING OF YOUR PERSONAL DATA IN ACCORDANCE WITH THIS PRIVACY POLICY. IF YOU DO NOT AGREE TO THIS PRIVACY POLICY, PLEASE DO NOT INSTALL, USE, REGISTER TO OR OTHERWISE ACCESS THE SERVICES. Word Game reserves the right to modify this Privacy Policy at reasonable times, so please review it frequently. If Word Game makes material or significant changes to this Privacy Policy, Word Game may post a notice on Word Game’s website along with the updated Privacy Policy. Your continued use of Services will signify your acceptance of the changes to this Privacy Policy.

Non-personal data

For purposes of this Privacy Policy, “non-personal data” means information that does not directly identify you. The types of non-personal data Word Game may collect and use include, but are not limited to: application properties, including, but not limited to application name, package name and icon installed on your device. Your checkin (include like, recommendation) of a game will be disclosed to all Word Game users.

The data we collect depends on the context of your interactions with us, the choices you make, including your privacy settings, and the products and features you use. The data we collect can include SDK/API/JS code version, browser, Internet service provider, IP address, platform, timestamp, application identifier, application version, application distribution channel, independent deice identifier, iOS ad identifier (IDFA), Android ad master identifier, network card (MAC) address, and international mobile device identification code (IMEI) The equipment model, the terminal manufacturer, the terminal device operating system version, the session start / stop time, the location of the language, the time zone and the network state (WiFi and so on), the hard disk, the CPU, and the battery use, etc.

Word Game may use and disclose to Word Game’s partners and contractors the collected non-personal data for purposes of analyzing usage of the Services, investigate, prevent or take action regarding unauthorized use of the services to further develop the Services and other Word Game services and products.

Use of Personal Data

Personal information collected by Word Game is information voluntarily provided to us by you when you create your account or change your account information. The information includes your game checkins, likes, dislikes, recommendations and messages.

Word Game may use collected personal data for purposes of analyzing usage of the Services, providing customer and technical support, managing and providing Services (including managing advertisement serving) and to further develop the Services and other Word Game services and products. Word Game may combine non-personal data with personal data. But unless the Law forces us, we will not share any personal data with any unaffiliated third party for any purpose…ever..

The personal data and information includes:

Your mobile device’s unique identifier (UDID)

Your email address used to login the social network

In-game transaction identifiers and purchases

Your device types and its OS version

The local language and country settings on your device

Disclosure and Transfer of Personal Data

Word Game collects and processes personal data on a voluntary basis and it is not in the business of selling your personal data to third parties. Personal data may, however, occasionally be disclosed in accordance with applicable legislation and this Privacy Policy.

Word Game may disclose your personal data to third parties as required by law enforcement or other government officials in connection with an investigation of fraud, intellectual property infringements, or other activity that is illegal or may expose you or Word Game to legal liability.

Word Game may also disclose your personal data to third parties when Word Game has a reason to believe that a disclosure is necessary to address potential or actual injury or interference with Word Game’s rights, property, operations, users or others who may be harmed or may suffer loss or damage, or Word Game believes that such disclosure is necessary to protect Word Game’s rights, combat fraud and/or comply with a judicial proceeding, court order, or legal process served on Word Game. To the extent permitted by applicable law, Word Game will make reasonable efforts to notify you of such disclosure through Word Game’s website or in another reasonable manner.

Besides, If Word Game becomes involved in a merger, acquisition, or any form of sale of some or all of its assets, we will provide notice before personal information is transferred and becomes subject to a different privacy policy.

Safeguards

Word Game follows generally accepted industry standards and maintains reasonable safeguards to attempt to ensure the security, integrity and privacy of the information in Word Game’s possession. Only those persons with a need to process your personal data in connection with the fulfillment of their tasks in accordance with the purposes of this Privacy Policy and for the purposes of performing technical maintenance, have access to your personal data in Word Game’s possession. Personal data collected by Word Game is stored in secure operating environments that are not available to the public. To prevent unauthorized on-line access to personal data, Word Game maintains personal data behind a firewall-protected server. However, no system can be 100% secure and there is the possibility that despite Word Game’s reasonable efforts, there could be unauthorized access to your personal data. By using the Services, you assume this risk.

Other

Please be aware of the open nature of certain social networking and other open features of the Services Word Game may make available to you. You may choose to disclose data about yourself in the course of contributing user generated content to the Services. Any data that you disclose in any of these forums, blogs, chats or the like is public information, and there is no expectation of privacy or confidentiality. Word Game is not responsible for any personal data you choose to make public in any of these forums.

If you are under 15 years of age or a minor in your country of residence, please ask your legal guardian’s permission to use or access the Services. Word Game takes children’s privacy seriously, and encourages parents and/or guardians to play an active role in their children’s online experience at all times. Word Game does not knowingly collect any personal information from children below the aforementioned age and if Word Game learns that Word Game has inadvertently gathered personal data from children under the aforementioned age, Word Game will take reasonable measures to promptly erase such personal data from Word Game’s records.

Word Game may store and/or transfer your personal data to its affiliates and partners in and outside of EU/EEA member states and the United States in accordance with mandatory legislation and this Privacy Policy. Word Game may disclose your personal data to third parties in connection with a corporate merger, consolidation, restructuring, the sale of substantially all of Word Game’s stock and/or assets or other corporate change, including, without limitation, during the course of any due diligence process provided, however, that this Privacy Policy shall continue to govern such personal data.

Word Game regularly reviews its compliance with this Privacy Policy. If Word Game receives a formal written complaint from you, it is Word Game’s policy to attempt to contact you directly to address any of your concerns. Word Game will cooperate with the appropriate governmental authorities, including data protection authorities, to resolve any complaints regarding the collection, use, transfer or disclosure of personal data that cannot be amicably resolved between you and Word Game.

Legal Basis for Data Processing

We process Personal Data for the purposes set out in this Privacy Policy, as described above. Our legal basis to process personal data includes processing that is: necessary for the performance of the contract with you (for example, to provide you with the services you request and to identify and authenticate you so you may use the Sites); necessary to comply with legal requirements (for example, to comply with applicable accounting rules and to make mandatory disclosures to law enforcement); necessary for our legitimate interests (for example, to manage our relationship with you, to ensure the security of our services, to communicate with you about our products and services); and based on consent by our customers (for example, to place certain cookies and to share your information with third parties for advertising purposes).

International Transfers of Personal Data

Our business may require us to transfer your Personal Data to countries outside of the European Economic Area (“EEA”), including to countries such as the People’s Republic of China or Singapore. We take appropriate steps to ensure that recipients of your Personal Data are bound to duties of confidentiality and we implement measures such as standard contractual clauses. A copy of those clauses can be obtained by contacting our Help Center.

Your Rights

Subject to limitations in applicable law, you are entitled to object to or request the restriction of processing of your Personal Data, and to request access to, rectification, erasure and portability of your own Personal Data.

Where the use of your information is based on consent, you can withdraw this consent at any time without affecting the lawfulness of processing based on consent before its withdrawal.

If you are aware of changes or inaccuracies in your information, you should inform us of such changes so that our records may be updated or corrected. You may lodge a complaint with a supervisory authority if you consider that our processing of your Personal Data infringes applicable law.

We retain your Personal Data as long as needed to provide services or products to you, or as required or permitted by applicable laws, such as tax and accounting laws.

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ecadimi-blog · 5 years ago

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Asset Misappropriation and Corporate Governance

Based on your research, evaluate the type of asset misappropriations that occurred at the organization, and assess the factors that contributed to the misappropriation. Give your opinion on whether poor management or lack of management played a role in the asset misappropriation. Provide support for your rationale. Tyco International engages the misappropriation of assets by way of two top executives. In 1960 Tyco International was established by Arthur J. Rosenburg. The corporation was initially an finance and holding corporation focused in governmental and armed forces research. In 1964, the focal point of Tyco’s products shifted to the marketable sector and the corporation turn out to be publicly traded company(tycofis.co.uk). However, the chief focus of the corporation stay put on high-tech investigation and growth. Tyco has been occupied in several acquirements in last few years. Tyco Laboratories Inc. went through a change of name in 1993 and turn into Tyco International Ltd., which the corporation linger until 2007. In the midst of sustained expansion and development at Tyco arose a business scandal.CEO Dennis Kozlowski, CFO Mark Swartz, and general guidance Mark Belnick were 16 accused on charges of deception and conspiracy In 2002. They were alleged of swindling investors out of $100ml of dollars that they had remunerated themselves in unlawful bonuses and reimbursement ever since 1992. In total, roughly $170 million had been taken by these three lawyershop.com). Even though Tyco did have a member of staff loan plan in place at the time, these individual loans were never permitted and were set aside off the financial statements of the corporation. Consequently, they were not well thought-out as an asset on the balance sheet of the company. Mutually, Kozlowski and Swartz had also put up for sale $430 million value of corporation stock devoid of informing investors (lawyershop.com). Kozlowski, especially, was identified for his sumptuous lifestyle and practice of spending business funds. In my opinion the internal control system must have been better. If the company would have compiled with certain SOX rules, then the company must have been saved from such misappropriation. Evaluate the legal mechanisms that could have been used to recover assets through the civil and criminal justice systems. Assess whether the civil and criminal justice systems did an effective job in recovering the organization’s assets. Provide support for your rationale. Both Kozlowski and Swartz were charged for responsible of conspiracy, fraud,and grand aggravated burglary accusation in June of 2005 (nytimes.com). The adjudicators decided that, together, the two had deceived shareholders of in excess of $400 million between 1996 and 2002 by faulting to reveal loans and reimbursement they approved to themselves. Dennis Kozlowski was punishment was for 25 years in prison plus fined $70 million, at the same time as Mark Swartz was punished for 8 1/3 years in jail as well as fined with $35 million (nytimes.com). jointly, they compensated restitutions of more or less $134 million to Tyco. Additionally, Swartz and Kozlowski mutually came to an accord with the SEC in July2009 that neither possibly will forever be an executive or manager of a publicly traded corporation over again (nytimes.com). Belnick, who was supposed to have unsuccessful to unveil $14 million worth of credit, was exonerate on criminal charges, however paid $100,000 in civil charges for his position in the circumstances. I believe the honorable court of law has done a tremendous job to give appropriate judgment against the people who were found to having been involved in such criminal act of assets misappropriation. Assess management’s responsibility to share information related to the breach with various stakeholder groups, indicating what should be shared and how. Provide support for your rationale. Tyco International is a just right case in point of how such a misappropriation of assets can have an effect on a company's public appearance and business standing. "Company insiders have a fiduciary contractual obligatio Loading... n to take action in the best interests of the shareholders." (Wells 2004) This conscientiousness to act with high-quality faith is contaminated when conjecture and accusation of deceitful activities is widespread. Kozlowski along with Swartz had been committing such fraud of funds from Tyco International for in excess of 5 years devoid of being spot out and that is a straight result of being deficient in internal control. "Fraction of this be supposed to take account of financial precision giving auditors right of entry to personal tax returns and comprehensive banking records." (Wells 2004) Having this sort of right to use makes it more complicated "for insiders to obscure ill-gotten gain." (Wells 2004) In this case what I believe is to be shared out is certain financial information of top order people who has pecuniary interest in the working of the firm/company. Ways To Improve Audit Trails, Data Integrity, And Policies And Procedures In this method our auditor uses to validate the system and controls that subsist: (i) to present sufficient data protection (ii) to make sure checks and controls on output for correctness and totality (iii) to make sure correct and absolute data being made accessible for processing (iv) to put off unauthorized adjustment (v) to give for error recognition and alteration. Review AICPA Statements on Auditing Standard (SAS) No. 99, “ Risk Factors Relating to Misstatements Arising from Misappropriation of Assets”, found within the text. Assess SAS 99 risk factors and discuss if the risk factors were prevalent in the organization you researched. Give your opinion on whether or not organizations should implement a plan that reviews risk factors on a regular basis to determine if fraud has occurred. Explain why or why not. Paragraph 40 of SAS 99 states: ...the identification of a risk of material misstatement due to fraud involves the application of professional judgment and includes the consideration of the attributes of the risk, including: the type of risk that may exist, that is, whether it involves fraudulent financial reporting or misappropriation of assets the significance of the risk, that is, whether it is of a magnitude that could lead to result in a possible material misstatement of the financial statements These were the top executives at Tyco so even though others were familiar with what was just about; they did not come up and stand up next to the executives executing fraud. The internal controls in place were not enough to stop the fraud from occurring and for the reason that the attitude from the top inside the business was that actions of that sort was acceptable, others did not come frontward to discontinue it either. The explanation used by the perpetrators might have been that they have done a hard work for the corporation and therefore warrant the additional reimbursement. Antifraud run activities can be defensive and/or investigatory in character. Defensive controls are intended to lessen precise fraud risks and can discourage frauds from happening, at the same time as detective control activities are intended to recognize fraud if it take place. Detective controls can also be employed as a screening activity to evaluate the efficiency of antifraud controls and may present additional substantiation of the efficiency of antifraud program and controls. a number of these control activities might by automatic in character and include information technology (IT) systems. Where control activities are not already present, organization ought to design and put into practice further controls to purposely address the recognized fraud risks. Exceptional deliberation be supposed to be prearranged to the risk of supersede of controls by administration. Some programs and controls that transact with organization supersede include; (1) Vigorous misunderstanding from the audit commission; (2) Whistle-blower programs and a system to accept and examine unidentified complaints; and (3) Assessment of journal entries and other modification for proof of probable material misstatement owing to deception. Review the corporate governance plan of the organization you researched, evaluate the effectiveness of the plan, and make suggestions for improvements to protect the stakeholders. Provide support for your rationale. Management has the chief conscientiousness for performing fraud risk evaluations. in the past, the majority material frauds have over and over again been bound for in part by administration and identified by staff and those accountable for corporate governance at other levels in the association. It is therefore vital that corporate governance is involved in the fraud risk assessment. It is important that the fraud risk assessment include business course of action owners or those who have noteworthy knowledge, power, or authority over the activities within a important business course cycle. Fraud risk factors do not essentially signify the subsistence of deception; on the other hand, they often are present in conditions where fraud exists and can assist recognize possible fraud risks. Attitudes/Rationalizations— The procedure by which a person commend a scam legitimizes or justify the offense is explanation. This time and again includes an outlook or feeling of power that “the corporation can pay for it.” Pressures— Pressure may be actual or professed. Pressure is typically shaped by conditions the perpetrator is either theme to or perceives himself to be subject. Opportunities— Opportunities to fraud can be obvious themselves in diverse ways. If internal controls are insufficient surrounding monetary reporting or consternating assets, it might be comparatively easy for a executor to proof transactions or embezzle possessions. Recommend a fraud prevention plan for this organization. Determine what positive or negative consequences this fraud prevention plan might have on employees’ morale and the public perception of the organization. Controls associated to the avoidance and discovery of fraud over and over again have a pervasive consequence on the threat of fraud. Such controls for this company can comprise, but are not restricted to, the: Controls limiting misappropriation of business assets that possibly will result in a substance misstatement of the monetary statements; Company’s risk assessment processes; Code of ethics/conduct provisions, particularly those connected to conflicts related-party transactions, of interest, illegal acts, and the check of the code by organization and the audit commission or board; competence of the in-house audit action and whether the in-house audit job reports unswervingly to the audit group, in addition to the size of the audit committee’s participation and dealings with in-house audit This would surely enhance the morale of those employees who are trustworthy and will be a threat to others who seek for wrongful act References Lorne N. Switze, Corporate governance, S.arbanes-Oxley, and small-cap firm performance, The Quarterly Review of Economics and Finance, Volume 47, Issue 5, December 2007, Pages 651-666 Pozgar. - 3rd ed. Burlington, MA Jones & Bartlett Learning,. 559 pages. 2012. Andrew Singer, “In Promoting Ethics, Tyco International Said: ‘Let's Keep It Simple’,” Ethikos, May/June 2010, http://www.ethikospublication.com/html/tyco.html (accessed June 16, 2011). Stephen Taub, “Tyco on Tyco: Errors Made, But No Fraud,” CFO.com, December 31, 2002, www.cfo.com/article/1,5309,8596,00.html?f=related(accessed June 15, 2011) - - - Romney, Marshall B.Fraud-Related Internal Controls. Austin, TX: Association of Certified Fraud Examiners. Wells, Joseph T. Occupational Fraud and Abuse. Austin, TX: Obsidian Publishing Company, 1997. Read the full article

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glenmenlow · 6 years ago

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How Brand Codes And Narratives Can Deceive Us

Facebook rolled out an updated visual identity for its mobile interface last week. And the desktop version will be launched in the following months. The big question here, however, is why? It’s not as much about what the new visual identity looks like or what cool new functions it offers but what motivates a company with a catastrophic loss of consumer trust to invest their money in the one thing that matters the least at this point: what their logo looks like.

You have to ask, is it truly a makeover, or just a mask to cover up the ugly reality? In my most recent thought piece here on Branding Strategy Insider, Why Global Brands Fall Into The Gap Of Meaning, I identified the four most prevalent gaps of meaning occurring in brands and corporations when it comes to relevance, symbolism, value, trust and accountability. Perhaps the most important one of them is the “gap of trust” as, without trust, there is no reputation, no relevance and no long-term value. This is the gap that occurs when what the company says and what the company does aren’t in alignment, which is what seems to be happening with Facebook right now.

Why Brands Divert Attention By Facelifting In Times Of Crisis

Why do brands attempt to divert our attention by facelifting in times of crisis instead of facing the root cause of their problems and actually fixing the issues that they have?

For one, a cosmetic facelift of the company’s branding is certainly an easier exercise than mending the serious problems with their website algorithm, data and privacy breach, dissemination of fake news and exploitation of the platform to skew U.S. Presidential election results or the Brexit referendum polls by Russian troll farms – all legitimate reasons that together stand behind Facebook’s plummeting sense of users’ trust since 2016.

The second reason is that by investing in new branding Facebook is effectively trying to rewrite and redefine their own trajectory by creating an image that precedes the future company reality they want to create. This wouldn’t be an issue as brands are vehicles to mirror the company’s values and beliefs and assets to help businesses achieve better futures, the problem is that this only broadens the gap of trust that already exists.

Let’s take a look at Facebook’s new identity in more detail and reveal the reasons why it’s so troubling not only as a strategic move, but also in the kind of effect it produces.

Visual Style Of The Interface

Facebook’s new white-dominated makeover move sends a clear and very important message to the global audience that says: “Our service is trustworthy and it’s easy and safe to use.” It skillfully hijacks the symbolic space of “whiteness” which in our Western society serves as a visual metaphor signifying the trinity of “purity, innocence and clarity” in attempt to clear one’s own conscience and portray a lack of guilt. However, it’s very existence says the opposite. Psychologically, it’s a clear move of someone whose conscience isn’t clear and who wants to steer clear of their problems by putting on a show to sway people’s perception. Purity and innocence is an image that Facebook wants to put up front possibly to divert attention from its own privacy issues, which is not innocent, but the very opposite of innocence – it’s morally corrupt.

Redesigned Logo

The pure visual identity creates great synergy with the redesigned logo. The overt playfulness, slight goofiness and overall banality of the new Facebook logo in the style a la Google then sends a message saying: “You don’t have to fear us or feel threatened, we’re just playful and safe.” It shows a clear move towards the space of simplification and entertainment. The new logo with no sharp edges and very round shapes styled in baby blue sends a subliminal psychological signal of pacification. We feel calmed down, non-threatened and at ease, even though the reality of the service itself doesn’t match up the image that Facebook has created and wants you to believe.

How Brands Can Fool Our Brain Circuitry By Deploying Visual Cues & Narratives

The thing with childhood is that it makes us feel safe and cared for. The subconscious program triggering feelings of nostalgia, unconditional love and safety then fires off a powerful (yet misleading and untrue) association which links Facebook to feeling safe. This link creates a faulty meaning which makes it possible to continue to use service we might see as hazardous and even develop a positive emotion associated with using it. This feeds our never-ending need for ontological security in the world that’s intrinsically unstable, deceptive and full of unwanted chaos and drama making us feel blissfully at ease with using a service such as Facebook, a website using practices that are morally questionable, as a safe haven to escape this cruel harsh reality.

From the storytelling standpoint, you can see that this move is very smart. But its genius is evil as it exploits our own subconscious programming which bypasses reason and mines the nature of the human mind for its own benefit. As the inner workings of our subconscious mind are about 10x more powerful than our conscious mind, these psychological shortcuts can work even if we don’t consciously believe them and know better based on past data or our own previous experience.

Behavioral scientists call this powerful instrument the System 1 – it’s the rapid-processing, intuitive, subconscious mind that is based on quick hunches, our instinctive bodily reactions and automated thinking and feeling patterns, rather than having to deliberate in a long and time-consuming manner through logic and reason each time as the System 2 likes us to do. If we were to process all stimuli we get in contact with every single day based just on System 2, we’d never leave the house. We’d probably draw the line at making a cup of coffee, paralyzed by deciding what outfit to wear or what are all the pros and cons of taking a morning shower.

In a similar vein to Elizabeth Holmes, Founder and CEO of the now defunct company Theranos, (who is on trial facing charges for two counts of conspiracy for wire fraud, defrauding investors and deceiving doctors and patients), Facebook uses practices to mask their own reality and make you believe the skillful narrative they’ve crafted about themselves through a new, innocent and non-threatening take on their brand.

This only brings more questions:

Why is it so difficult for corporations to take accountability for their own actions? Why do they mask the presence of conscience by signalling virtues such as purity instead of actually developing real conscience? Why is it so hard for a business to act humane and moral, when its basic premise is to connect people and facilitate human relationships to bring people closer? This is a very noble idea, so what exactly went so terribly wrong? When did our dreams become our biggest nightmares?

A brilliant idea of a social network with an aim to connect us suddenly poses the very reason why our societies are facing a major social disconnect. The global rates of isolation and social anxiety have never been higher in the history of mankind. The lack of trust is becoming magnified as we don’t know whom to trust anymore. Everything and everybody has become suspicious, which drives an unprecedented level of anger and surfaces long-repressed emotions of pain and grief across the Western world…

Focus On The Inner, Not The Outer Work First

In my opinion, Facebook should focus all their conscious attention on doing their inner work first, instead of polishing the outer layer. If it is to continue, Facebook needs to urgently address its own privacy and security issues and find new ways to create relevance for their users and a real sense of value in people’s lives, rather than redesigning their logo to make us feel warm, fuzzy and blind to their transgressions. Because it doesn’t work anymore. People increasingly see through the layers of deception. Consumers are now waking up and are less and less inclined to tolerate missteps, especially if they’re the ones to lose things they care about: privacy, security, safety, stability and connection.

The outer layer of any company – also known as The Brand – only has value, when the inner workings of the business remain intact, uncorrupted, and with integrity. Otherwise, it’s just a charade of public deception that you play with your trusting customers. You might ask why anyone would still use Facebook, when it’s battling a complete erosion of trust and reputation and breach of privacy, and it would be a right question to ask.

The answer isn’t rational, however, it’s strictly irrational yet important, especially when it comes to branding in times of crisis. The level of emotional investment we’ve put into building our lives there and the degree to which Facebook has become a valued part of our lives over the past decade subconsciously trumps and supersedes the allegations the company faces in reality. We will always value our own emotional investment much more than the hard evidence. There are more human behavior biases you might want to look up in this case: they’re the sunk-cost fallacy, IKEA effect and confirmation bias.

Confirmation Bias: We tend to favor and look for information that further confirms the feelings, views and beliefs we already have about the reality as our minds detest the state of cognitive dissonance. This is when we have one or more opposing streams of information challenging our prevailing worldview, and therefore threatening the integrity and stability of our inner worlds. We will do whatever we can to avoid this state, even if it means acting irrationally and doing things that are not always in our own best interest.

Sunk Cost Fallacy: We will always be subconsciously inclined to protect the investments we’ve already made in an attempt to maximize reaping our future benefits by continuing to invest more. This is true even when there is no return. We often continue to invest out of the habit of doing so, out of hope that it will get better or because we want to avoid the feeling of dissonance by adopting new and unfamiliar behaviors. Especially if we feel that such behaviors would stretch our minds beyond our comfort zone, could jeopardize our future rewards or make us miss out completely.

IKEA Effect: We will always value the emotional labor we put into building, creating or investing in something more than the actual thing that we are investing in. This is why we tend to keep the IKEA furniture long past its shelf-life and sometimes even past its own utility because we value the work (both manual and emotional) we had put into assembling it far more than we value the actual piece of furniture itself. We want to keep the positive feelings of sharing, togetherness, dreaming and envisioning our future – it’s the fantasy that we protect. It’s what the furniture means and represents to us than the furniture itself. Remember, it’s all about meaning.

These three biases might very well explain why we continue to use brands like Facebook long after we’d stop trusting them, and vice versa how something we no longer trust can still bear significance and value in our lives only because of how much we experienced together in the past. The relationship between meaning and utility is in itself peculiar and sometimes isn’t very clear even to us who use these brands. This is why it’s important to follow our hunches and understand what motivates companies to put their best face forward when the reality lags a long way behind.

In my next piece, I will look deeper at this mutual relationship of meaning and utility and explain why hiding behind utility is not the best strategy. Especially if it’s brand meaning, reputation and trustworthiness that are taking the major toll in your company.

Contributed to Branding Strategy Insider by: Dr. Martina Olbertova, founder and chief executive at Meaning.Global.

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charlieharry1 · 5 years ago

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Gdpr: an action plan for corporations and marketers

You'll no question be aware of the gdpr, or preferred records protection law, which comes into force on 25 may 2020. This newsletter in brief explains what your business and your advertising and marketing team need to do before and after that date to grow to be compliant. What you need to consider about the gdpr the gdpr is an eu regulation but will remain Digital Marketing Company in Bristol relevant to united kingdom based totally organizations after brexit because of the united kingdom’s incoming statistics protection act 2020. The gdpr will limit how corporations can deal with non-public statistics; that is records that can be used to pick out people. It does not limit commercial enterprise-to-enterprise facts managing. The gdpr uses a few unique terminology. Facts processing refers to nearly any handling of personal information. A records processor consists of out the processing. A information controller determines how private statistics can be processed. A data situation is someone identifiable via non-public statistics. Your commercial enterprise is probable to be each a records controller and a statistics processor. Non-public records could be required to be processed in accordance with 6 standards. Summarising these ideas, records ought to:

be processed lawfully, pretty and transparently

be accrued for exact, explicit and legitimate functions

be adequate, relevant and limited to what's essential

be accurate and up to date

allow the identity of data subjects for not than essential

be processed with appropriate security features

statistics subjects will also be given some of rights. Those consist of rights to information, get admission to, rectification, erasure and portability. What this all way in practice will be mentioned below. Failure to conform with the gdpr could result in your business being fined as much as the extra of €20 million or 4% of your commercial enterprise’ worldwide annual sales. Compliance with the gdpr could be enforced via the data commissioner’s workplace (ico) inside the uk. What your commercial enterprise needs to do before 25 can also 2020

there are 5 steps which your enterprise should take previous to the gdpr getting into pressure. 1) assessment your statistics

compliance with the standards above ought to be documented, consequently the first step any business must take closer to compliance is to discover all the private data it techniques. This could range from the gathering and storage of personal facts in worker information to the usage of consumer email addresses to carry out advertising campaigns. This identification system ought to result in a map, which suggests how facts flows in to and out of your business. The map need to detail what statistics is held, from wherein it changed into accrued, with whom it's far shared, and what is carried out with it. 2) make certain that each one processing is lawful

Read Also:- Now Gmail is offering you the “Meet” option, what is it?

having recognized what processing sports your enterprise undertakes, you ought to make sure that each pastime is lawful. To be lawful, processing have to generally be undertaken both following consent, be important as part of a contractual association, or be important for your agencies’ legitimate pursuits. Consent

maximum normally, consent will be required before processing can take location. Consent must be actively given and cannot be assumed. Statistics subjects have to recognise what they're consenting to in simple phrases, and consent must be received separately to an acceptance of other phrases. Your commercial enterprise should file this consent, in addition to how and while consent become acquired. Consent may be withdrawn through a facts concern at any time. Consent must be acquired in accordance with the gdpr prior to 25 may also 2020 to make certain that information processing may additionally retain beyond that date. Contractual preparations

an instance of a contractual arrangement displacing the need for consent would be the use of a cookie to tune merchandise delivered to a purchasing basket previous to purchase. As shopping cart information processing is necessary within the lead-as much as an ecommerce contract, consent is not required. Legitimate interests

a legitimate hobby can be used as a lawful foundation for processing wherein processing is necessary to achieve that hobby and that interest is not overridden by people’ interests. Processing justified in this basis ought to handiest take vicinity if individuals might reasonably anticipate the processing to take vicinity, and there may be a minimal impact on their privateness. 1/3 celebration information processors

if your employer outsources any facts processing activities, you're chargeable for ensuring the processor’s gdpr compliance on the subject of the processing. As an instance, impact, as a information controller, outsources lots of its hr features to charliehr, a web platform appearing as a statistics processor with regards to employees’ private statistics. To help make sure that this outsourcing is gdpr compliant, impression must have a written agreement with charliehr, and charliehr must handiest manner according with the instructions in that agreement. Because the gdpr prohibits the transfer of personal information outside of the european until strict protections are in place inside the destination territory, impact ought to also make certain that charliehr shops impression’s personal information in the ecu. As it does, affect want not find an opportunity provider. 3) revise privateness notices

all privacy notices, such as inner notices and public going through notices, along with internet site privateness guidelines, must be up to date to make sure that the subsequent facts is present:

your commercial enterprise’ identity

how non-public records will be used

the lawful basis for each processing interest (inclusive of consent or a contractual association)

how lengthy personal information may be retained

that the records challenge can also bitch to the ico

notices have to be concise, obvious, intelligible, free and easy to get right of entry to. Legal jargon should now not be present. Four) put together for records topics’ new rights

as previously suggested, statistics topics are given a ramification of recent rights below the gdpr. Information topics may request a copy of all records held approximately them; request that records is rectified, or request that information hung on them is deleted. Difficulty access requests ought to be replied to within 1 month and can be rejected with motives and facts about the information concern’s proper to complain. Template responses ought to be organized to facilitate these requests. It need to additionally be taken into consideration how records access and portability requests can be dealt with. As an example, it need to be taken into consideration in what layout customer information may be sent. If the lawfulness of any processing is depending on consent, systems need to be installed area to facilitate records topics’ withdrawals of consent. Five) update internal tactics

the very last step to be taken prior to 25 might also 2020 is to put together internally for the gdpr. The subsequent documentation should be prepared:

a draft ico facts breach report

a draft data situation breach notification

a revised facts safety policy, commencing your commercial enterprise’ approach to facts safety

an statistics security coverage

data protection effect tests for any processing activities which pose a high threat to the rights and freedoms of records topics

statistics protection education materials

every commercial enterprise have to nominate someone responsible for gdpr compliance. An reliable facts protection officer have to be nominated if the business consists of out “regular and systematic monitoring of individuals on a big scale.” their obligations might be mentioned under. What your commercial enterprise desires to do after 25 may additionally 2020

as soon as the gdpr is in impact, businesses should ensure ongoing compliance. The law intends to encourage a culture of “statistics safety by way of design and default” at some point of agencies. There could be a standard obligation on agencies (statistics controllers and processors) to demonstrate that they're actively thinking about their facts processing sports. The targeted responsible individual or facts protection officer ought to be answerable for facilitating this tradition and education group of workers in compliance. Similarly to illustrating this ongoing consideration via reference to the 6 processing concepts, businesses will be required to do the subsequent. 1) control ongoing consent and facts subjects’ requests

agencies should respond to facts subjects taking flight their consent to processing activities or submitting the kind of request sorts inside their new rights. 2) report statistics breaches

any non-public data breach beneath the gdpr have to be said to ico inside seventy two hours if it's far possibly to bring about a chance to the rights and freedoms of information subjects. If there is a high chance to statistics subjects, the breach need to additionally be mentioned to the ones subjects with out undue delay. Three) carry out statistics protection effect assessments

if a proposed processing hobby is probable to result in a excessive risk of a private facts breach, consisting of wherein a brand new technology is getting used, or where the processing may be systematic and good sized, a information protection impact assessment have to be executed. This assessment ought to comprise an outline of the processing hobby; an assessment of necessity and proportionality when it comes to the reason of the processing; an assessment of the risks to statistics subjects, and an outline of the controls put in location to address the recognized risks. What entrepreneurs need to do

a large percentage of the private information held by using your enterprise will likely be non-public records collected for advertising functions. Entrepreneurs have to make sure that data held from 25 can also 2020 onwards become and is gathered in a gdpr compliant way. If consent is used as the lawful basis for a processing activity, consent should be obtained; records have to be controlled appropriately, and opt-out measures ought to be installed place. As an alternative, if other bases are used, people should be knowledgeable as a result. Right here are a few examples of ways marketers would possibly justify their processing sports. 1) gdpr and electronic mail advertising

most e mail advertising information regarding people is personal records. Marketers ought to ensure that names, email addresses and other personal data is accumulated, saved and used only after customers have actively consented to the entirety to be done with that non-public information. Users can simplest consent when they were told in simple terms how their non-public information will be used. Consent need to be recorded and choose-out options must usually be available. E-mail advertising carrier carriers must be checked to ensure that they're gdpr compliant information processors. Even though it may be feasible to rely upon a valid hobby basis to system records for the purpose of sending advertising emails, there may be additional legislation on this area (the soon-to-be-reformed privateness and digital communications regulations) which normally calls for consent to be supplied. 2) gdpr and google analytics

as google analytics collects private records which include cookies, ip addresses and user ids, it is in all likelihood that informed consent may be required earlier than google analytics can be used on websites from 25 may 2020. Google have said their statistics storage methods are gdpr compliant and will provide a way for website proprietors to get rid of precise units of facts, facilitating compliance with customers’ rights of erasure. If consent is used because the lawful foundation for processing, users must additionally be provided a way to choose-out of tracking at any time. If your enterprise makes use of google analytics for a particular motive inclusive of to recognize wherein internet site traffic come from and what they're seeking out, it may be viable to justify this processing on the idea of a legitimate hobby. It is anticipated that websites will song fundamental facts approximately their customers. The usage of a legitimate interest, in preference to consent, to justify this processing does not displace the need for acquiring ‘cookie consent’. Three) gdpr and social media marketing

further to the use of google analytics, using social networks’ tools past their very own websites may additionally require you to have consent and decide-out measures in area. However, as organizations have a valid interest in learning their traffic, furnished that traffic are knowledgeable about how their information may be used and can manage this use, focused advertising on both websites and social media have to be justifiable on the basis of a legitimate interest. Once again, consent to the usage of cookies will nevertheless be required. Four) gdpr, remarketing and marketing personalisation

the use of gathered statistics to personalise on-line content and advertising substances have to be justifiable on the basis of a legitimate hobby, although this could depend on the processing sports taking vicinity. If processing activities effect drastically at the rights of people or may not be moderately expected to take place, consent can be the most appropriate legal basis for the processing activities. Using visitors’ internet site analytics information to goal facebook advertisements may be justifiable on the idea of a legitimate hobby, but, the usage of email addresses amassed from order facts to goal specific customers might be more difficult to justify on the equal foundation and might require using consent as a legitimate basis. Conclusion

with the aid of carrying out the stairs mentioned above, your business must be in an awesome area whilst 25 might also 2020 arrives. Disclaimer: this newsletter represents the author’s interpretation of the gdpr and does no longer represent prison advice. It's miles recommended that Digital Marketing Agencies in Cambridge agencies are seeking for expert recommendation to assist with gdpr preparations. This text was final up to date on 4 april 2020. This text turned into ultimate updated 18 april 2020.

#Digital Marketing Company in Cambridge

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joejstrickl · 6 years ago

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How Brand Codes And Narratives Can Deceive Us

Why Brands Divert Attention By Facelifting In Times Of Crisis

Why do brands attempt to divert our attention by facelifting in times of crisis instead of facing the root cause of their problems and actually fixing the issues that they have?

Let’s take a look at Facebook’s new identity in more detail and reveal the reasons why it’s so troubling not only as a strategic move, but also in the kind of effect it produces.

Visual Style Of The Interface

Redesigned Logo

How Brands Can Fool Our Brain Circuitry By Deploying Visual Cues & Narratives

This only brings more questions:

Focus On The Inner, Not The Outer Work First

Contributed to Branding Strategy Insider by: Dr. Martina Olbertova, founder and chief executive at Meaning.Global.

The Blake Project Can Help: The Strategic Brand Storytelling Workshop

Branding Strategy Insider is a service of The Blake Project: A strategic brand consultancy specializing in Brand Research, Brand Strategy, Brand Growth and Brand Education

FREE Publications And Resources For Marketers

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cyberfero · 4 years ago

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Spammer techniques: how do they exploit e-mail?

Estimated reading time: 9 minutes Spam seems to reach every single email account we use , no matter how careful we are or what the address provider is. How do spammers get all of our email addresses? Can we do something to hide our email address from common spammer techniques? Unfortunately, there's not much you can do to stop spammers from bombarding you with emails. There are some tips that will help protect you, but spammers will probably find your email address anyway . The problem is not so much the unwanted advertisement message, but rather what it means that you received a message. How did you react? Did you delete it? Did you click on any links? Have you flagged it as spam? Any action could bring useful information to attackers without you noticing. Let's face it more clearly and start with a question: where do spammers find our e-mails?

Spammer techniques for retrieving e-mail addresses

Nobody gives their email to a website and expects it to end up in the hands of a scammer. Yet it's not uncommon for someone to find their inbox full of unsolicited spam emails. Stolen databases The simplest of the techniques spammers use to collect large lists of active email addresses is through stolen account databases. These password thefts happen with frightening regularity. Companies like Adobe, LinkedIn, eHarmony, Gawker, Last.fm, Yahoo !, Snapchat and Sony have all been compromised in recent years . Leaked databases are normally considered a security threat because they often display account names and passwords. However, generally show email addresses as well. Spammers can download these leaked databases and add the millions of email addresses to their lists . Spammers know that most of these email addresses should be active , so these databases are excellent for them. This is probably how most spammers are finding email addresses to send spam. There really isn't much you can do to protect yourself from a spammer who gets your address this way. A site like Have I been pwned? can tell you if the information of your account may have been spread . You can protect yourself from password theft by using different ones, unfortunately, you must always use the same email address everywhere , it would be unthinkable to have an address for each service used. Link in mail messages If you receive spam emails, you should avoid clicking on the links in the email . If you find an "Unsubscribe" link in an email from a legitimate company, it's probably safe to click it. A real company doesn't want to spam and potentially run into anti-spam laws, so they will simply remove you from their list. However, if you see an "Unsubscribe" link (or, even worse, a "Buy Now!" link) in an email that looks very unprofessional and scam, the spammer will not necessarily remove you from his lists . This is where things get more complex. They will notice your click and their systems will identify your email address as active . They know you're there, and you may see larger amounts of spam after clicking the link. The same goes for uploading images in spam emails. Do not click the "Upload images" button, or spammers will know that you have opened the email . Even if you don't see an image in the message, there may be a small tracking pixel that allows the spammer to identify you if you upload the asset. This is why most email clients don't automatically upload images.

E-mail scraping, search for unencrypted e-mails on the net Another spammer technique to retrieve addresses from the network is to scrape them ( scraping ) from the unencrypted data on the network. There are software out there that read files on the net and find those that contain e-mails and save them. A bit like Google's crawlers do when they crawl a site, but with malicious intent. You may have seen a comment where someone leaves their address to be contacted. The bot that scans the network will save similar addresses. The spammer adds this address to his spam lists et voilà , spam is served . This is why eBay provides a temporary email address where you can be reached rather than including your real email address. This technique is probably less common now that spammers have huge leaked account databases to work with. Spammers can also try to acquire valid email addresses by browsing other places that are publicly available, such as whois records for a domain . These records show an email address associated with the person or organization that registered the domain name.

Purchase of email addresses Another spammer technique, definitely for lazy hackers, is to buy addresses from databases that provide them. Unscrupulous people sell email lists to spammers for a low price. These addresses were often distributed on CD in the past , and may still be, but the leaked account databases have probably eliminated some interest in this market. Spammers can also simply exchange their mailing lists with each other, making sure other bad guys get their hands on your address once it happens the first time. Please be aware that this technique is not entirely illegal. When we subscribe to a service, we often have the possibility to provide our e-mail address to third parties for advertising purposes. Some users accept without reflection and without verifying whether it is an obligation to subscribe to the service or not. . I personally happened to be contacted by a person who, with no intent to spam, but to make up the number, had bought my address from a contact resale agency, divided by areas of interest. If he had been a spammer, he could have used a similar service.

How to protect your address

Spammers can also obtain email addresses in other ways but the methods listed above are some of the most common. There isn't much you can do to prevent your email address from being leaked and receiving spam. - - you can avoid putting your e-mail address on the web in plain text form - - never click on a link - - don't upload a image in a suspicious email. However, your address will almost certainly end up in the hands of a spammer at some point. Actually, you don't have to worry so much about whether the address is in circulation, but about how the address is used, especially if it is active.

Spammer techniques of using addresses

Once a scammer obtains your email address, it is very likely that they will use it to take advantage in any way possible . The better he is, the greater the risks. Many will send you spam emails, with the hope of collecting private information such as credit card numbers . They will try to trick you into believing that you have won something, or that they have a profitable item for sale. Hackers may also use your email to steal your identity and send messages to your contacts . Remember the techniques of Zombie Phishing ? Other scammers will use your personal information to try to access your other accounts . Most people reuse the same passwords for different accounts, which means that hackers who have access to one account can easily infiltrate the others. This is why using the same passwords around the web is highly discouraged and not secure at all. Create botnets One of the reasons why you should never actively interact with spam messages is that interactions send hackers an important piece of information: the address is active, someone uses it on their device. An active address, once discovered, is a perfect target for more specific attacks than phishing , and since all addresses are at risk, even corporate ones, from phishing you can easily get to a double extortion ransomware . In the latter case, the threat of a DDoS attack may already come from mentioned zombie phishing technique, and it could all have started with some spam message. The computers that will basically send requests to the server to perform the DDoS attack could themselves be part of a botnet created as a result of techniques used by spammers .

Phenomenology of an attack As a first spammer technique, company addresses are retrieved . This can be done through scraping or database buying on the dark web. Next, to check which addresses are active , a couple of spam campaigns are sent. Nothing harmful, fake newsletters with an obvious Unsubscribe message, or a tracking pixel. Note: A tracking pixel is usually a very small transparent image that is uploaded from a remote server. Just check how many times it has been downloaded and by whom to understand which addresses are active and which are not . As a result, the contact database will have shrunk to a list of active addresses , in which users have been inattentive enough to click on a link from a suspicious email. Finally, to these selected addresses, is sent a real phishing message containing malware or a request to intervene on a seemingly legitimate web page . For example, the request to reset your credentials via the attached link. The unsuspecting user, thinking he is doing a safe thing, follows the link, enters the credentials and gives them to the spammer . At this point the attacker has gained access to an account. From that moment on, the risks are much more and much more damaging.

How to defend against spammer techniques

Let's take a few steps back. The whole chain of events that led the hacker to gain access to an important account went through spam and phishing messages. Ethical Phishing In some of the passages, the attack could have been avoided . The ability to recognize a suspicious message and then ignore it is the first weapon available to a user. SOD can help your business with this . Through a ethical phishing service, we first test the resilience of users . Once any weak points have been identified, a training course ad hoc is constructed to provide adequate proactive defense tools to all employees. SOC as a Service Not always being aware users is enough , and a careless mistake could cost a company a lot of sensitive data. For this reason, we can also implement a service SOCaaS for the mitigation of risk and damage following an attack. In this scenario, a system consisting of next generation SIEM and protocols UEBA implemented by an artificial intelligence, they monitor the network in search of any anomaly . Any suspicious behavior is identified and analyzed by technicians to see if it can actually become a threat or not. If you would like more information on how SOD can help you raise your company's cybersecurity level, don't hesitate to contact us. Read the full article

#Phishing #SOCaaS #Spam #ZombiePhishing

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emailwebhost4373-blog · 6 years ago

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How To Teach Best Email Service 2019 Better Than Anyone Else

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AYA Analytica financial health memo March 2018

As of March 2018, this regular podcast is available on our Andy Yeh Alpha fintech network platform.

Tech stock prices tumble due to Trump's criticism of Amazon's tax avoidance, Facebook data breach of trust, and Tesla autopilot incidence. Share prices tumble for technology stocks due to Trump's criticism of Amazon's tax avoidance, Facebook user data breach of trust, and Tesla autopilot incidence. President Trump accuses Amazon of unfairly deferring tax payments via its European operational hub in Luxemburg. This common cross-border corporate scheme can be legitimate, but this scheme rings the alarm bell for the American, British, and other governments in light of borderline tax avoidance. Also, President Trump complains that U.S. Postal Service cannot make money because it fails to charge higher delivery prices on the single ecommerce giant Amazon. Meanwhile, Facebook faces the Cambridge Analytica user data debacle, and U.S. senators are likely to grill Zuckerberg in his congressional testimony. Both these recent Amazon and Facebook crises trigger sharp share price declines among the top tech titans Facebook, Apple, Microsoft, Google, Amazon, Netflix, and Twitter (FAMGANT). Moreover, Tesla experiences an autopilot incidence in March 2018 where an autonomous car crashes into a nearby barrier before the driver turns off the artificial intelligence software to correct the car path. This Tesla autopilot car crash aggravates the recent woes of Uber's recent autonomous car accident. Some tech stocks exhibit double-digits declines due to the recent crises.

CNBC's business anchorwoman Becky Quick interviews Nobel Laureate Joseph Stiglitz on the current Sino-U.S. trade war. CNBC's business news anchor Becky Quick interviews Nobel Laureate Joseph Stiglitz on the current trade war between America and China. When America imposes $60 billion tariffs on key Chinese imports such as steel and aluminum, China fights back with $3 billion tariffs on U.S. exports for at least 128 items. Stiglitz points out that the poor and less economically-privileged Americans with subpar socioeconomic status and educational attainment are likely to suffer due to higher prices of many consumption goods. Also, most U.S. corporations finance their capital investments with tax-deductible debt, and so tax cuts will largely benefit these large corporations and high net-worth investors in America. However, the typical U.S. household will face lower purchasing power, and fiscal stimulus may or may not boost real investment and productivity growth. For this reason, President Trump's economic policy reform may wreak havoc in real macroeconomic activities, especially if GDP per capita growth cannot exceed investor expectations and inflationary pressures in the medium term. Stiglitz specifically favors globalization and free trade if the U.S. government sets clear limits on product market liberalization.

President Trump imposes punitive tariffs on $60 billion Chinese imports in a brand-new trade war. President Trump imposes punitive tariffs on $60 billion Chinese imports in a brand-new trade war as China hits back with retaliatory tariffs on $3 billion U.S. exports. This strategic move hits China for its unfair trade practices with at least 3 major jabs. First, the Trump tariffs take the form of 25% duties on $60 billion Chinese exports to America. This first jab is only a fraction of the economic damage that China has done to America by forcibly extracting the intellectual properties of U.S. corporations. Second, the Trump administration can introduce foreign investment restrictions on Chinese companies. This prevention can stop Chinese companies from swooping into U.S. competitive advantages. Third, the Trump administration considers litigation at the World Trade Organization (WTO). Since the inception of its WTO membership, China has indeed failed to transform into an open democratic society that respects both economic freedom and the rule of law. Overall, the Trump tariffs signal the dawn of an inevitable Sino-American trade war. Trump uses the sequential tariff tactics and economic sanctions on China, Iran, and Russia and even some western allies such as Canada, Europe, and Mexico. These tactical solutions may help dramatically reduce U.S. trade and budget deficits.

Personal finance and investment author Thomas Corley studies and shares the rich habits of self-made millionaires. Thomas Corley studies and shares the rich habits of numerous self-made millionaires. Corley has spent 5 years studying the daily habits and routines of self-made millionaires, and then he chronicles these results in his books *Rich Habits* and *Change You Habits, Change Your Life*. Rich people share common habits, and others can learn from these habits that help enrich their lives. First, self-made millionaires maintain long-term vision with short-term focus. They often set bold and lofty life goals, value propositions, and mission statements. At the same time, the rich focus on both the important and urgent matters that can often lead to positive results. For instance, these millionaires attend to money matters like value investors who focus on small profitable cash cows with low relative market valuation that invest conservatively in both capital investment and balance sheet expansion. Second, self-made millionaires cherish and emphasize the importance of self-improvement. They read books, articles, blogs, and newsletters etc about personal finance, management, and other self-help issues. This practice allows self-made millionaires to turn unproductive routines into better ones. Third, self-made millionaires enhance their social integration. These millionaires like to network with successful people in personal finance, sport, family, or other social events, and their active social engagement extends beyond their inner circle. In Corley's 5-year study, what self-made millionaires choose not to accomplish is as important as what they choose to accomplish over several years.

Fed Chair Jerome Powell increases the neutral interest rate to a range of 1.5% to 1.75% in his debut press conference. Fed Chair Jerome Powell raises the neutral interest rate to a range of 1.5% to 1.75% in his debut post-FOMC press conference. The Federal Reserve raises the interest rate for the sixth time since the Federal Open Market Committee (FOMC) near-zero rate lift-off in December 2015. In fact, the Fed Chair transition from Yellen to Powell indicates a moderate monetary policy stance from dovish to hawkish in accordance with the recent FOMC minutes. The Federal Reserve now targets a core PCE inflation rate above 2.1% as the U.S. unemployment rate gradually declines to the lowest level of 3.8% to 4.1% in 17 years. Most dynamic stochastic general equilibrium (DSGE) New Keynesian macro models suggest that Powell needs to trade off near-full employment with inflationary momentum. As inflation rises over time, Powell must gradually raise the neutral interest rate to tame upward price gyrations when the U.S. economy operates near full employment. Former Fed Chair Janet Yellen might prefer to keep the lower interest rate for a longer period of time, whereas, Powell departs from this lower-for-longer dovish and accommodative monetary policy stance in response to FOMC hawks who express deep concerns about high inflation or price instability.

Uber's autonomous car causes the first known pedestrian fatality from a driverless vehicle. Uber's autonomous car causes the first known pedestrian fatality from a driverless vehicle and thus sets off the alarm bell for artificial intelligence. An Arizona woman dies in a car accident in the Phoenix suburb of Tempe that involves one of Uber's driverless cars. As a result, Uber suspends its autonomous car operations in Phoenix, Pittsburgh, San Francisco, and Toronto. This fatality makes cities less likely to trust Uber and so undermines the generic claim that Uber serves as an autonomous car platform rather than a transportation service provider. Also, this incidence forces Uber to improve the safety of its autonomous and human-driven vehicles. Even if Uber can perfect its self-driving technology by mid-2019 (when the company hopes to launch autonomous car services), city governments might not trust the Uber enough to work with autonomous cars. Stock analysts now downgrade the approximate $70 billion valuation of Uber by BlackRock and Morgan Stanley. Because Uber delays the launch of autonomous car services after mid-2019, the artificial-intelligence-driven company may postpone its grand plan to go public in the next 18 months.

Facebook faces a major data breach by Cambridge Analytica that has harvested information from 50 million Facebook users. Facebook faces a major data breach by Cambridge Analytica that has harvested private information from more than 50 million Facebook users. In a Facebook post, Mark Zuckerberg outlines the next steps that the company would take to enhance the artificial-intelligence-driven user data and privacy protection. Zuckerberg reiterates that he is sorry for Facebook's involvement in the Cambridge Analytica data breach of trust. Zuckerberg further concedes that Facebook would be open to government regulation. Prior precedence suggests some plausible regulatory actions against Facebook. First, Facebook would be viewed as a social media publisher that should be subject to telecommunication rules for online content circulation. Second, Facebook might have to break up its core franchises such as social media posts, digital advertisements, games, data solutions, and user connections etc. In recent times, both American and European regulators demand Facebook CEO Mark Zuckerberg and his delegate(s) to testify before Congress. These unforeseen events might adversely affect Facebook's key performance metrics from active member usage to average revenue per unit (ARPU). Facebook ads would become less effective with higher average costs, and many small-to-medium business enterprises may suffer as a result. Due to this fundamental recalibration, Facebook's share performance may exhibit negative volatile fluctuations in the next few months.

The Trump $1.5 trillion hefty tax cuts and $1 trillion infrastructure expenditures may speed up the Federal Reserve interest rate hike. The Trump administration's $1.5 trillion massive tax cuts and $1 trillion infrastructure expenditures may speed up the Federal Reserve interest rate hike due to robust labor market growth. The U.S. economy adds 313,000 jobs in early-2018. This labor market growth is stronger than most macro projections, and the U.S. unemployment rate stays at 4.1% or the lowest level in 17 years. Also, wages grow at 2.6% and remain a few notches below the prior pace. Productive progress in U.S. employment and economic output continues without higher inflation near the 2% target. In accordance with most macro expectations, the Federal Reserve expects to raise interest rate 4 times in 2018 and maybe 3-4 times in 2019. The current neutral interest rate hike helps attain the congressional dual mandate of maximum employment and price stability. Senate majority leader Mitch McConnell unveils the new budget deal. This deal can be sustainable with $15 trillion national debt and $80-$95 billion budget deficit projections over the next 2 years. A key issue concerns how long Congress should raise the national debt limit, which the U.S. economy may hit as soon as April 2018. Republicans and Democrats still need to negotiate the exact parameters to reach bipartisan agreement.

From crony capitalism to state capitalism, what economic policy lessons can we learn from Putin's reign in Russia? From crony capitalism to state capitalism, what economic policy lessons can we learn from President Putin's current reign in Russia? In the 15 years of President Vladimir Putin's rule, Russia has increased its state control over economic growth that exceeds the average economic growth rate in the immediate post-communist era. With 1.5% meager economic growth, 15% inflation, and 6% unemployment, the Russian government concentrates both political and economic power in Putin's hands. This power concentration leads to a highly assertive foreign policy. Putin uses energy as a diplomatic instrument, and abundant revenue streams from extractive oil industries obfuscate the need for structural economic reforms in Russia. In recent years, U.S.-driven western countries impose economic sanctions on Russia and have brought about economic stagnation there. As a result, the Russian economy continues to struggle with few visible traces of economic growth. As Europe struggles with its own economic projections due to its own macro model deficiencies, Russia shows no signs of diverting from state capitalism without substantive evidence of a more sustainable economic model. In reality, only greater political competition can induce the Putin administration to change economic course. However, the current communist political landscape cannot allow for this political competition to flourish in practice.

Hong Kong billionaire Li Ka-Shing announces his retirement in March 2018 with an incredible rags-to-riches life story. At 89 years old, Hong Kong billionaire Li Ka-Shing announces his retirement in March 2018. With a personal net worth of $35 billion, Li has an incredible rags-to-riches life story of growing his business conglomerate HK Hutchinson. His 53-year-old son Victor Li will take over the conglomerate with 323,000 employees across 50 countries worldwide. The Li business empire ranges from energy to real estate property and technology. Li is the epitome of hard work and persistence. From his age 35 to present, Li commits to working 16 hours per day and 7 days per week. At the same time, however, Li engages healthy exercises daily to stay fit. Throughout his rags-to-riches life story, Li successfully transitions from dropping out of school as a child to support his family to becoming the first person of Chinese origin to buy one of the British-built Hong Kong companies since the colonial era. Li pledges to devote the rest of his life to charitable causes. The Li Ka Shing Foundation continues to invest in education, poverty prevention, and disease eradication etc.

David Solomon succeeds Lloyd Blankfein as the new CEO of Goldman Sachs. David Solomon succeeds Lloyd Blankfein as the new CEO of Goldman Sachs. Unlike his predecessors Lloyd Blankfein and Gary Cohn, Solomon has been an investment specialist throughout his professional career. As an investment banker, Solomon serves as a financial product specialist who underwrites and sells investment-grade corporate debt securities. Solomon understands financial market development and the key importance of marking-to-market the actual market values of stocks and bonds on the firm's balance sheet (instead of fair values). Also, Solomon appreciates the intrinsic value of sound and efficient financial risk management. He can be a safe pair of hands to lead the Goldman franchise in late-2018. At Goldman Sachs, Solomon advocates for a comprehensive reformation of corporate culture. He expresses an active interest in keeping the maximum number of work hours between 70-75 hours per week. Under Solomon's leadership, the bank increases compensation for programmers, modernizes computer systems, institutes video interviews, and maintains smart-casual dress codes. Apart from his professional commitment, Solomon performs electronic music at nightclubs and music festivals in New York, Miami, and Bahamas. Spotify releases Solomon's debut single title in early-2018. As the CEO of Goldman Sachs, David Solomon will be an all-round investment head who understands the importance of work-life balance.

President Trump tweets his key decision to oust State Secretary Rex Tillerson due to intense disagreement over diplomatic affairs. President Trump tweets his decision to oust State Secretary Rex Tillerson after several months of intense disagreement over diplomatic affairs. Trump sometimes uses tweets to disparage the former Exxon-Mobil CEO's efforts at international diplomacy. Also, Trump nominates CIA Director Mike Pompeo to replace Tillerson, and then Deputy CIA Director Gina Haspel succeeds Pompeo as the first woman to lead the Central Intelligence Agency (CIA). In fact, this strategic Rexit move arises as President Trump is about to embark on historic and high-level direct dialogues with North Korean commander-in-chief Kim Jong Un. Pompeo may initiate bilateral secret talks with the North Korean dictator to facilitate a smooth and peaceful transition to denuclearization. Pompeo has yet to demystify when and where the potential Trump-Kim summit may take place. Moreover, Rexit signals that President Trump often plays hardball on foreign affairs in the midst of substantial geopolitical tension and uncertainty. Tillerson indeed disagrees with President Trump on several fronts. First, President Trump insists on withdrawing from the Paris climate change accord, whereas Tillerson suggests that American should commit to staying in this accord. Second, Tillerson seems soft on President Trump's preference for supporting the current embargo against Qatar in opposition to Saudi Arabia. This latter geopolitical issue can affect global oil price fluctuations in the medium term. Third, President Trump and Tillerson further differ in their stances on whether America should pursue diplomatic solutions to denuclearization in North Korea and Iran. Trump prefers to extend the duration of economic sanctions on these countries in order to reach peaceful resolution, but Tillerson dismisses such brute force. All of these geopolitical issues affect international stock market development, economic policy uncertainty, and energy-driven inflation.

The Trump team blocks Broadcom's bid for Qualcomm due to national security concerns and 5G telecom network issues. The Trump administration blocks Broadcom's bid for Qualcomm due to national security concerns and 5G telecom network issues. Broadcom makes microchips for broadband communication networks such as wireless broadband telecoms, modems, routers, and switches. The White House takes an extraordinary action to block this major corporate deal that might inadvertently give China more influence in global technology. In an executive order, President Trump blocks Broadcom's $117 billion bid for Qualcomm due to national security concerns. There is credible evidence that Broadcom and its affiliates (such as China's HuaWei and ZTE) might threaten to impair U.S. 5G telecom network dominance and digital supremacy. For this reason, both Broadcom and Qualcomm must immediately and permanently abandon the takeover proposal. The Trump administration releases a recent investigation that China's theft of intellectual properties such as U.S. patents, trademarks, and copyrights etc has cost American companies around $1 trillion. In response, the Trump administration may introduce punitive tariffs on Chinese imports to dramatically reduce bilateral trade deficits. This deficit reduction can contribute to a better balance in the U.S. congressional budget for better mid-term election results that favor the Trump administration.

Peter Thiel shares his money views of President Trump, Facebook, Bitcoin, global finance, and trade. Peter Thiel shares his money views of President Trump, Facebook, Bitcoin, global finance and trade etc. As an early technology adopter, Thiel invests in Facebook and Bitcoin. The former connects people with better social integration around the world, and the latter provides a new crypto medium of exchange for online payments. Network effects breed positive feedback loops, whereas, there is a critical inflection point where these network effects fall over into the madness of crowds. As one of the co-founders for PayPal and Palantir, Thiel thinks it is important to ensure third-party payment security for safer cross-border finance and trade. Thiel supports President Trump because his economic policy reform helps avoid fake culture wars between different civilizations. Trump tax cuts and infrastructure expenditures help boost American household consumption, firm production, and financial intermediation. In light of antitrust investigations into Google and some other Silicon Valley tech firms, Thiel considers these firms in trouble as government regulation looms as a major business risk. As a serial entrepreneur, Thiel emphasizes the importance of ambition that transcends just making money for a company. Disruptive innovation not only replaces prior technology, but also significantly improves and enriches the economic lives of others.

President Xi seeks Chinese congressional approval for abolishing his term limits of strongman rule with better trade deals and economic ties. President Xi seeks Chinese congressional approval and constitutional amendment for abolishing his term limits of strongman rule with more favorable trade deals and economic ties. Foreign investors now activate their keen interest in Chinese tech titans such as Baidu, Alibaba, and Tencent (BAT). Baidu specializes in Chinese online search; Alibaba focuses on international e-commerce and fintech solutions; and Tencent derives most revenue from Chinese instant messengers such as WeChat and Tencent QQ, online games, and other entertainment and lifestyle software solutions. BATs operate as oligopolies with competitive moats that manifest in the form of patents, trademarks, copyrights, and other intellectual properties. Their high product market concentration serves as a primary explanation for worse income and wealth inequality in China. President Xi's strongman rule can further entrench these Chinese tech titans with product market dominance. This new Sino political economy defeats the western purpose of admitting China into the World Trade Organization (WTO) after the post-war collapse of the Soviet Union. China resists both regional trade integration and global economic order and thus often fails to comply with WTO trade rules on fair trade and intellectual property protection. Few mainland residents embrace democracy, economic freedom, and the rule of law in China.

White House economic advisor Gary Cohn resigns due to his opposition to President Trump's protectionist tariff stance. White House top economic advisor Gary Cohn resigns due to his opposition to President Trump's recent protectionist decision on steel and aluminum tariffs. These steel and aluminum tariffs target Canada, Europe, Mexico, and China. Some western allies may receive interim exemptions on a case-by-case basis. Through this abrupt tariff tactic, President Trump seeks to dramatically reduce U.S. trade and budget deficits for better mid-term election results. The former Goldman Sachs president had strongly opposed trade barriers such as tariffs, quotas, and even embargoes. Cohn serves as a steady man in the White House and attempts to push President Trump away from some of his most aggressive instincts on trade. In fact, Cohn would prefer the U.S. to keep the North American Free Trade Agreement (NAFTA). As a proponent of international free trade, Cohn would support the U.S. to join the Trans-Pacific Partnership (TPP). In effect, these global free trade movements reflect the collective wisdom and combination of cross-border interests and efforts for fewer trade frictions. CNBC economic media commentator Larry Kudlow is likely to succeed Cohn as the Director of the National Economic Council. Kudlow may defend the Trump administration's gradual tariff tactics against China, Canada, Europe, and Mexico.

Trump imposes tariffs on steel and aluminum in a trade war with some exemptions for Canada and Mexico. Trump imposes high tariffs on steel (25%) and aluminum (10%) in a new trade war with subsequent exemptions for Canada and Mexico. The Trump administration's Trade Act Section 232 investigation suggests that the main sources of U.S. steel-and-aluminum trade deficits are Canada, Europe, Mexico, and China. In light of both Section 301 and Section 232 investigations, the steel and aluminum tariffs seem to target China and the European Union. There are a pair of pertinent problems with imposing tariffs on foreign imports of this nature. First, this tariff tactic is a massive diplomatic gambit. In effect, this tactic may create the imminent risk of retaliation from multiple countries. Second, this strategic move inevitably leads to higher consumer prices from food cans to cars and airplanes insofar as these products involve the use of steel or aluminum. In fact, these price increases can feed back to fuel higher inflation in America. Also, American households and firms may experience higher costs and so lower disposable income. The resultant decrease in aggregate demand can be detrimental to U.S. economic output, employment, and capital investment. When push comes to shove, the law of inadvertent consequences counsels caution.

Fed's new chairman Jerome Powell testifies before Congress for the first time. Fed's new chairman Jerome Powell testifies before Congress for the first time. He vows to prevent price instability for U.S. consumers, firms, and financial intermediaries by gradually raising interest rates to contain inflation. Several stock market observers and commentators warn of the Yellen-Powell regime switch from dovish to hawkish monetary policy decisions. However, Powell seeks to balance the need to guard against excessive inflation with the real benefits of allowing the U.S. economy to enjoy the tailwinds of Trump fiscal stimulus, economic output expansion, full employment, and robust wage growth. The Federal Reserve now explores whether the U.S. unemployment rate can fall to the lowest range of 3.8% to 4.1% in 17 years before inflation starts to accelerate. In accordance with Powell's congressional testimony, the Federal Reserve's current monetary policy instruments include its gradual upward interest rate adjustment, balance sheet shrinkage, and 2% symmetric core CPI inflation target. Powell confines his testimony to the dual mandate of both price stability and maximum employment with minimal discussions of distributional economic inequality issues in America. With respect to financial deregulation, Powell expects to roll back at least some of the more stringent Dodd-Frank rules and stress tests on large banks and other financial institutions.

Buffett discusses Berkshire's cash ambition, its reinsurance business, and his succession plan. Warren Buffett releases his annual letter to Berkshire Hathaway shareholders as of February 2018. Buffett discusses Berkshire Hathaway's cash ambition, its reinsurance business, the recent increase in corporate net worth, and his succession plan First, Buffett highlights the importance of *float* for insurance companies like Berkshire Hathaway, i.e. the company collects insurance premiums that have not be paid out as claims. Buffett and Munger can invest the float as these premiums absorb losses gradually throughout the life of each insurance policy. Because this reinsurance counterbalances long-tail losses, Berkshire can grow its float to extraordinary levels over time. Second, corporate cash stockpiles surge to $116 billion, so Buffett prefers to maintain this cash position for near-term mergers and acquisitions (instead of dividend payout and share buyback). However, Buffett considers most recent takeover targets with no sensible purchase prices at the current stage of the real business cycle. Also, Buffett emphasizes the fact that debt-free investors can better take advantage of short-term stock market crashes such as Black Monday in 1987, the Asian financial crisis in 1997, and the global economic recession in 2008. Berkshire experiences a one-time hefty increase in net worth by $65 billion or 23% primarily due to the Trump tax cuts. These tax credits not only strengthen Berkshire's current fortress balance sheet, but also allow Buffett and Munger to cast a wider net of potential M&A deals. Third, Buffett announces that Berkshire's next CEO will oversee company operations while the other half of this job will be given to stock-pickers who specialize in dynamic asset management. On the latter investment front, the likely successors are Todd Combs and Ted Weschler. These high-skill money managers both have successfully grown their assets under management (AUM) to $25 billion in early-2018. Under this succession plan, Combs and Weschler will thus continue the value investment philosophy in the post-Buffett reinsurance business structure.

Snap cannot keep up with the Kardashians because its stock loses $1 billion market value after Kylie Jenner tweets about her decision to leave Snapchat. Snap cannot keep up with the Kardashians because its common stock loses market value 7% or $1 billion right after Kylie Jenner tweets about her decision to leave Snapchat. The root cause of this rare incidence may be Snap's recent redesign, or Jenner's newfound motherhood. The former can be a real concern that her 25 million Twitter followers share in numerous replies. These empathetic users aggravate this deep concern about Snap's recent redesign adn thus echoes ambivalent Wall Street investor sentiments. Several Wall Street stock analysts point out that it can be more difficult for Snap to monetize the Snapchat business model in contrast to ad-income-driven Facebook, Google, and Twitter. In recent times, Snap initiates some smart strategic moves to draw a clear line between social interactions and media posts and video streams. In fact, Snap needs to manage this interim transition well as celebrity influencers such as Kylie Jenner are an essential source of high-quality content in the Snap recipe for success. With 25 million Twitter followers, Jenner carries a great deal of social influence over millennials. In terms of demographic attributes, the typical Snapchat user is between 18 and 24 years old and tends to have much shorter attention span.

Fed minutes reflect gradual interest rate normalization in response to high inflation risk. Fed minutes suggest gradual interest rate normalization in response to higher inflation risk. FOMC members revise up the economic projections made at the previous December 2017 committee forum. Many financial economists and market watchers expect gradual further hawkish adjustments in U.S. monetary policy. These hawkish adjustments inevitably entail interest rate hikes that help constrain money supply growth near full employment. In effect, these gradual hawkish adjustments help better balance the inexorable and mysterious trade-off between inflation and unemployment. As Treasury bond yields rise in response to this hawkish monetary policy stance, most major U.S. stock market indices such as Dow Jones, S&P 500, and NASDAQ decline as a result.

Several FOMC members remain cautious about high asset valuation and leverage within Corporate America. Numerous public corporations make productive use of debt and cash stockpiles with generous cash dividends and share repurchases. Also, excessive cash accumulation, high asset valuation, and incessant corporate debt usage breed financial contagion with little impact on real macro variates such as economic output, employment, and capital investment. This recent trend may or may not sustain in the long run. The resultant concern thus signals bouts of potential financial instability outside the financial system.

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