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aadamkempfitness · 2 months

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HeroFX Review: A Comprehensive Look at the Alleged Forex Scam

In the vast and often volatile world of forex trading, the presence of unscrupulous brokers is a constant threat to both novice and seasoned traders. HeroFX, a broker that has recently come under scrutiny, is the subject of many discussions and concerns. This review delves into the various aspects of HeroFX to determine whether it is a legitimate broker or a potential scam.

Background and Overview

HeroFX claims to offer a comprehensive trading platform with a wide range of assets, including forex, commodities, indices, and cryptocurrencies. Promising competitive spreads, high leverage, and a user-friendly interface, HeroFX aims to attract traders looking for a reliable trading experience.

Regulation and Licensing

One of the primary red flags for any forex broker is the lack of proper regulation and licensing. HeroFX is reportedly not registered with any reputable financial regulatory authority. This absence of regulation means that traders are not protected by any governing body, increasing the risk of fraudulent activities and loss of funds.

Trading Platform and Tools

HeroFX offers its own proprietary trading platform, which is marketed as intuitive and feature-rich. While the platform appears to be functional, there have been numerous complaints about its reliability and execution speed. Some users have reported significant delays in order execution, leading to potential losses.

The broker also provides various tools and resources for traders, such as educational materials, market analysis, and trading signals. However, the quality and accuracy of these resources are questionable, with many users alleging that the information provided is often outdated or misleading.

Customer Support

Effective customer support is crucial for any forex broker, especially when dealing with complex financial transactions. HeroFX has received mixed reviews in this area. While some traders have reported satisfactory interactions with the support team, many others have experienced long wait times, unhelpful responses, and unresolved issues. This inconsistency in customer service further undermines the broker's credibility.

Withdrawal and Deposit Issues

One of the most significant concerns surrounding HeroFX is the difficulty many traders face when trying to withdraw their funds. Numerous complaints highlight delayed withdrawals, with some users claiming they never received their money. This pattern of behavior is often indicative of a scam broker, as legitimate brokers prioritize transparent and efficient fund transfers.

Additionally, the deposit process has also raised suspicions. HeroFX allegedly encourages large initial deposits and offers enticing bonuses that come with restrictive terms and conditions, making it challenging for traders to access their funds.

User Reviews and Complaints

A cursory glance at various online forums and review sites reveals a plethora of negative feedback from traders who have used HeroFX. Common grievances include:

Unresponsive or hostile customer service.

Manipulated trading conditions leading to unexpected losses.

Inability to withdraw funds.

Suspiciously positive reviews that appear fabricated.

These recurring themes paint a concerning picture of HeroFX and suggest a pattern of unethical practices.

Conclusion

In conclusion, while HeroFX presents itself as a reputable forex broker with attractive features, the overwhelming evidence points to the contrary. The lack of regulation, persistent withdrawal issues, and numerous negative user reviews all indicate that HeroFX may not be a trustworthy broker. Traders are advised to exercise extreme caution and conduct thorough research before engaging with this broker. In the unpredictable world of forex trading, it is always better to err on the side of caution and choose a broker with a proven track record of reliability and transparency.

For more check out this article: Herofx-review

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drgamenstein · 1 year

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So, going back to some of my older posts about character and setting TTRPGs let's talk about Vampire: the Masquerade. Here's real quick, a fun or stupid way to play each of the 13 clans. First though, if anyone somehow finds this who isn't familiar with the VtM lore, I'll offer a bastardized version of the disclaimer the core rulebook does; there's no such thing as a morally good PC in this game, you're going to be playing as a killer, stalker, monster, however you want to put it. Vampires are monstrous reflections of humanity, and as such can emphasize certain traits that are seen as distasteful or wrong. This isn't an excuse to be an overt and openly bigoted asshole at the table, and no GM or player should ever tolerate real world hate speech at the table when speaking OoC. We cool? Cool.

Ventrue: a new age shop owner, who sells homemade essential oils, skin care products and crystals that mark potential targets for siring based on the virtues each clan upholds. They're cursed blood makes them obsessed with very specific scents, meaning they can't feed on someone unless they're wearing something that makes them smell appealing.

Toreador: a plastic surgeon, who's idea of beauty is the imperfection of the human form. They run a budget clinic and are able to avoid losing their license due to malpractice, because they have a close personal bond with the Nosferatu, and love to skincraft them into an appearance that while still leaving them deformed, could pass as injuries or illnesses, making them less likely to violate the Masquerade. These favors give them connections to blackmail and extort anyone, enough that they can hire a Ventrue lawyer to protect them.

Gangrel: a Pational Park Ranger, who may or may not have connections to many, MANY missing 411 cases. They hold a position of neutrality between almost every faction, by upholding the laws of the Camarilla, by keeping the masquerade intact, while simultaniously cultivating their own open-air human meat restaurant. A safe place for werewolves, and other kindred to engage in their most animalistic urges, without fear of leaving evidence behind.

Malkavian: an autistic dark web information broker, that somehow knows what their customers want long before they even make contact. They have a habit of logging every email, password or other piece of identifying information that pops into their head. Breaking the fourth wall, the player could improve this by listening to business, economics or true crime podcasts during sessions, and talking as if it's a conversation they're having to what's going on at that point in game.

Tremere: a character who wants to form their own autonomous enclave, separate from any form of government be it human or kindred based. This wilderness commune is under constant surveillance by several human law enforcement agencies, and is publicly recognized as a cult, though they are petitioning to be recognized as a religion. They sire high ranking members of their organization, only after several years of indoctrination, at which point the Frog has boiled over and been reduced to a fine broth. The appeal of the cult to outsiders are the opportunity for travel, under the guise of medical and disaster relief efforts. All members are also frequently asked to donate blood for "those in need." Internally they don't believe in any religion, the player could make the argument that Kain wasn't cursed by God, but instead was the first evolutionary offshoot from mankind, and they internally view each vampire clan as related in much the same way as humans are related to other apes. This internalized vampirism racism while a massive negative trait, is effectively used by studying each and every clan solely for the purpose of learning how best to manipulate them.

Bruja: (this one's shorter than all the rest) During life they were a decorated cold war era military veteran, who was honorably discharged with injuries after certain government experiments. After their siring they have dedicated their un-life to spreading good old fashioned western values to the oppressed and impoverished parts of the world as a PMC.

Nosferatu: since almost every nosferatu have the same MO, preferred hiding spots and methods of travel, I think this clan is best defined by they're personality and view of the world. The owner of an Incel forum, who uses it both to unironically post their own thoughts and feelings, but to gather info from their users about all the Chads and Staceys in need of some punishment for their arrogance. They also frequently browse social media, and may or may not be responsible for at least a few throwaway accounts responsible for doxxing public figures. They are an absolute bitch for drama, and spend their downtime binging tea channels and Beauty-tubers but can't see the irony of this hobby.

Lasombre: an old fashioned head of a boston mafia group. He's made a fortune exploiting the working class and extorting the needy for decades, and running a successful shipyard and fishing company. His preferred targets for siring are dock workers, and local gang members that he sees as either beneficial to his criminal empire, or someone that his enemies would hate to lose. He has a unique point of view among most of the kindred, in that he doesn't discriminate among humans, Vampires or oan of the other creatures and organizations around him. They're all of equal value in his eyes, that value being equivalent to a character pip from the Game of Life, meaning tiny l, worthless bits of plastic, that take up space and are only worthy of notice when they directly impact him. His closest friend is actually a human butler, that picks out his clothes, make sure he's in proper order, and takes care of him. He will never sire this friend, as they are fully aware of his true nature and have asked him kindly to not do so. This blatant violation of the masquerade is barely tolerated as an open secret, since covering this particular leak would cause more trouble than just leaving it alone.

Tzimisce: a geneticist, who's network has a hand in every animal centric organization in the world, whether it's pet care, breeding, meat production, pageantry, racing, or law enforcement training, they can somehow be linked to it. They are fascinated by genealogy and genetics, obsessed with the true history of the world and want to prove the lineage of every clan and bloodline, simply for the satisfaction of having that knowledge. They were a successful dog breeder in life and now may or may not be practicing human and clan breeding in secret. They have a strange fascination with the Caitiff, and are regularly observed by many, acting friendly with these undesirables. They have a genuine love for animals, and would never harm any of their precious creatures, but see humans as lower than scum, utterly disgusting parasites hellbent on destroying their precious mother nature. They have no desire to sire an heir, unless eventually forced to do so, have no feelings whatsoever toward the idea of harming humans, seeing their acts as mundane or even justified, and this hatred goes so far that they frequently push themselves to the brink of frenzy just to avoid drinking from these vile creatures. Before their embrace, they had a pet dog that they loved more than anything in the world, but sadly killed during their first frenzy. They keep their friends collar on them at all times, despite the guilt they feel, it's the only thing that gives them comfort and let's them sleep at night.

Hecata: (I thought of this as an experienced player, or storyteller's PC) an elderly person, though not ancient. A member of a long lived and wealthy family dating back possibly to the Methusala. A family man, with an actual family, they sired before their embrace, with the knowledge that they will one day need to make arrangements for their children to be embraced. You take on the role of a mentor figure, teaching them the ways of the kindred, necromancy, and hunting, but are planning to, at the end of their training, have more promising of your spawn, diablerize the other.

Banu Haqim: a vigilante serial killer, think Vampire Punisher, or Dexter. Seeking out rogue kindred who've strayed from their respective code, regardless I'd they're Camarilla, Sabatt, or Anarch. The kindred you hunt are blatant violators of the masquerade and do so without even the little bit of control the Sabatt has over its members. More than anything, they are the biggest threats to kindred society as a whole and expose us all to the threat of human exposure. They are the perfect target for one such as yourself, both as self-proclaimed peacekeepers, and to satiate your own clans curse. It's your solemn duty to ensure that no evidence of kindred society is left behind.

Ravnos: a backpacker, spelunker and base jumper. They are a very popular Social Media personality and travel vlogger that enjoys documenting cave exploration and nighttime adventures into the wilderness. They know all the best tourist spots, what every kind of human blood tastes like, and won't shut the hell up about how they need to take you to Venice to try genuine Venican blood fresh from the source. They have a lot of annoying habits, and frequently humble brag about their enlightened un-life, but are generally good company and easy to get along with. You still wouldn't call them a friend though. They're the type of person that always sleeps over when they visit, but you can never remember them specifically asking if they could crash on your couch.

Ministry: You are a bio-terrorist. After your embrace, you took an interest in medical sciences for all the wrong reasons. Fascinated with your new undeath, and immunity to human illness, you start to question the limits of your new undead body, and decide to push it to new limits, concocting plagues, viruses and diseases and testing them on unsuspecting vampire populations. Occasionally, maybe, sure, some human populations get sick as well, pandemics, happen, and hundreds of thousands die each time you conduct a test, but that's the price of good science.

Caitiff: literally just don't play Caitiff. It's hard to come up with a creative or unique story for this "Clan" since they are effectively nobodies. The best comparison to be made I guess would be that Caitiff are the vampire equivalent of that weird conspiracy theorist who works in retail, has a substance abuse problem and is constantly trying to get you and all his other "work buds" to rise up and unionize against the man, but doesn't have an actual plan or any understanding on how any of that works.

Thin-bloods: Why is this a clan we can pick? Who is picking this one? Don't do it.

#writing #gaming #vampire: the masquerade #world of darkness #ttrpg #character ideas #story concepts #vampire clans

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mostlysignssomeportents · 2 years

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Orphaned neurological implants

The startup world’s dirty not-so-secret is that most startups fail. Startups are risky ventures and their investors know it, so they cast a wide net, placing lots of bets on lots of startups and folding the ones that don’t show promise, which sucks for the company employees, but also for the users who depend on the company’s products.

You know what this is like: you sink a bunch of time into familiarizing yourself with a new product, you spend money on accessories for it, you lock your data into it, you integrate it into your life, and then, one morning — poof! All gone.

Now, there are ways that startups could mitigate this risk for their customers: they could publish their source code under a free/open license so that it could be maintained by third parties, they could refuse to patent their technology, or dedicate their patents to an open patent pool, etc.

All of this might tempt more people to try their product or service, because the customers for digital products are increasingly savvy, having learned hard lessons when the tools they previously depended were orphaned by startups whose investors pulled the plug.

But very few startups do this, because their investors won’t let them. That brings me to the other dirty not-so-secret of the startup world: when a startup fails, investors try to make back some of their losses by selling the company’s assets to any buyer, no matter how sleazy.

A startup’s physical assets are typically minimal: used ergonomic chairs and laptops don’t exactly hold their value, and there’s not much of a market for t-shirts and stickers advertising dead businesses.

Wily investors are more interested in intangible assets: user data and patents, which are sold off to the highest bidder. That bidder is almost certainly a bottom-feeding scumbag, because the best way to maximize the value of user data is to abuse it, and the best way to maximize a failed business patent is to use it for patent trolling.

If you let your investors talk you into patenting your cool idea, there’s a minuscule chance that the patent will be the core of a profitable business — and a much larger chance that it end up in a troll’s portfolio. Real businesses make things that people want. Patent trolls are parasites, “businesses” whose only products are legal threats and lawsuits, which they use to bleed out real businesses.

The looming threat of dissolution gives rise to a third startup dirty secret: faced with a choice of growth or sustainability, companies choose growth. There’s no point in investing in sustainability — good information security, robust systems, good HR — if it costs you the runway you need to achieve liftoff.

Your excellent processes won’t help you when your investors shut you down, so a “lean” startup has only the minimum viable resiliency and robustness. If you do manage to attain liftoff — or get sold to a Big Tech firm — then you can fix all that stuff.

And if the far more likely outcome — failure — comes to pass, then all the liabilities you’ve created with your indifferent security and resiliency will be someone else’s problem. Limited liability, baby!

Combine these three dirty secrets and it’s hard to understand why anyone would use a startup’s product, knowing that it will collect as much data as it can, secure it only indifferently, and sell that data on to sleazy data-brokers. Meanwhile, the product you buy and rely upon will probably become a radioactive wasteland of closed source and patent trolling, with so much technology and policy debt that no one can afford to take responsibility for it.

Think of Cloudpets, a viral toy sensation whose manufacturer, Spiral Toys, had a successful IPO — and then immediately started hemorrhaging money and shedding employees. Cloudpets were plush toys that you connected to your home wifi; they had built-in mics that kids could activate to record a voice-memo, which was transmitted to their parents’ phones by means of an app, and parents could send messages back via the toys’ speakers.

But Spiral Toys never bothered to secure those voice memos or the system for making new ones. The entire database of all recordings by kids and parents sat on an unencrypted, publicly accessible server for years. It was so indifferently monitored that no one noticed that hackers had downloaded the database multiple times, leaving behind threats to dump it unless they were paid ransoms.

By the time this came to light, Spiral Toys’ share price was down more than 99% and no one was answering any of its email addresses or phones. The data — 2.2 million intimate, personal communications between small children and their parents — just hung out there, free for the taking:

https://www.troyhunt.com/data-from-connected-cloudpets-teddy-bears-leaked-and-ransomed-exposing-kids-voice-messages/

Data leakage is irreversible. Those 2,200,000 voice memos are now immortal, child-ghosts that will haunt the internet forever — after the parents are dead, after the kids are dead.

Data breaches are permanent. Filling a startup’s sandcastle with your important data is a high-risk bet that the company will attain liftoff before it breaches.

It’s not just your data that goes away when a startup folds — it’s also the money you invest in its hardware and systems, as well as the cost of replacing devices that get bricked when a company goes bust. That’s bad enough when it’s a home security device:

https://gizmodo.com/spectrum-kills-home-security-business-refuses-refunds-1840931761

But what about when the device is inside your body?

Earlier this year, many people with Argus optical implants — which allow blind people to see — lost their vision when the manufacturer, Second Sight, went bust:

https://spectrum.ieee.org/bionic-eye-obsolete

Nano Precision Medical, the company’s new owners, aren’t interested in maintaining the implants, so that’s the end of the road for everyone with one of Argus’s “bionic” eyes. The $150,000 per eye that those people paid is gone, and they have failing hardware permanently wired into their nervous systems.

Having a bricked eye implant doesn’t just rob you of your sight — many Argus users experience crippling vertigo and other side effects of nonfunctional implants. The company has promised to “do our best to provide virtual support” to people whose Argus implants fail — but no more parts and no more patches.

Second Sight wasn’t the first neural implant vendor to abandon its customers, nor was it the last. Last week, Liam Drew told the stories of other neural abandonware in “Abandoned: the human cost of neurotechnology failure” in Nature:

https://www.nature.com/immersive/d41586-022-03810-5/index.html

Among that abandonware: ATI’s neural implant for reducing cluster headaches, Nuvectra’s spinal-cord stimulator for chronic pain, Freehand’s paralysis bypass for hands and arms, and others. People with these implants are left in a precarious limbo, reliant on reverse-engineering and a dwindling supply of parts for maintenance.

Drew asked his expert subjects what is to be done about this. The least plausible answer is to let the market work its magic: “long-term support on the commercial side would be a competitive advantage.” In other words, wait for companies to realize that promising a durable product will attract customers, so that the other companies go out of business.

A better answer: standardization. “If components were common across devices, one manufacturer might be able to step in and offer spares when another goes under.” 86% of surgeons who implant neurostimulators back this approach.

But the best answer comes from Hunter Peckham, co-developer of Freehand and a Case Western biomedical engineer: open hardware. “Peckham plans to make the design specifications and supporting documentation of new implantable technologies developed by his team freely available. ‘Then people can just cut and paste.’”

This isn’t just the best answer, it’s the only one. There’s no ethical case for permanently attaching computers to people’s nervous systems without giving them the absolute, irrevocable right to nominate who maintains those computers and how.

This is the case that Christian Dameff, Jeff Tully and I made at our Defcon panel this year: “Why Patients Should Hack Medtech.” Patients know things about their care and their needs that no one else can ever fully appreciate; they are the best people to have the final say over med-tech decisions:

https://www.youtube.com/watch?v=_i1BF5YGS0w

This is the principle that animates Colorado’s HB22–1031, the “Consumer Right To Repair Powered Wheelchairs Act,” landmark Right to Repair legislation that was signed into law last year:

https://www.eff.org/deeplinks/2022/06/when-drm-comes-your-wheelchair

Opponents of this proposal will say that it will discourage investment in “innovation” in neurological implants. They may well be right: the kinds of private investors who hedge their bets on high-risk ventures by minimizing security and resilience and exploiting patents and user-data might well be scared off of investment by a requirement to make the technology open.

It may be that showboating billionaire dilettantes will be unwilling to continue to pour money into neural implant companies if they are required to put the lives of the people who use their products ahead of their own profits.

It may be that the only humane, sustainable way to develop neural implants is to publicly fund that research and development, with the condition that the work products be standard, open, and replicable.

Image: Cryteria (modified) https://commons.wikimedia.org/wiki/File:HAL9000.svg

CC BY 3.0 https://creativecommons.org/licenses/by/3.0/deed.en

[Image ID: The staring eye of HAL9000 from 2001: A Space Odyssey. Centered in it is a medieval anatomical engraving of the human nervous system, limned in a blue halo.]

#pluralistic #neurology #medtech #unauthorized bread #body horror #regulatory capture #bodily autonomy #floss #medical implants

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zerosecurity · 2 months

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Authentication Company's Credential Leak Exposes TikTok and Uber Users

An Israeli-based authentication company, AU10TIX, which serves high-profile clients such as Uber, TikTok, X (formerly Twitter), Fiverr, Coinbase, LinkedIn, and Saxo Bank, has inadvertently exposed a set of administration credentials online for over a year. This security lapse potentially allowed unauthorized access to sensitive user identity documents, including driving licenses.

The Growing Importance of User Authentication

As legislation increasingly requires websites and platforms—particularly gambling services, social networks, and adult content sites—to verify users' ages, the demand for authentication services has risen significantly. AU10TIX specializes in verifying user identities through the upload of official document photos.

Details of the Data Leak

A researcher discovered the exposed credentials and provided evidence to 404 Media. The compromised credentials granted access to a logging platform containing data about individuals who had uploaded documents to prove their identity. This information included: - Names - Dates of birth - Nationalities - Identification numbers - Types of uploaded documents (e.g., driver's licenses) - Links to images of the identity documents

Potential Source of the Breach

Investigations suggest that the likely source of the credential leak was an infostealer infecting a computer belonging to a Network Operations Center Manager at AU10TIX. This incident highlights the ongoing threat of stolen credentials, which have been implicated in recent high-profile breaches, such as those affecting Snowflake.

The Broader Implications of Data Breaches

The AU10TIX incident underscores several critical issues in cybersecurity: - The persistent threat of stolen credentials - The potential for breached data to be traded and sold multiple times - The role of data brokers in the information ecosystem The California Privacy Protection Agency (CPPA) defines data brokers as businesses that indirectly buy and sell consumer information. With approximately 480 registered data brokers—and potentially many more operating under the radar—the scale of data trading is significant.

AU10TIX's Response

In a statement to 404 Media, AU10TIX acknowledged the incident: "While PII data was potentially accessible, based on our current findings, we see no evidence that such data has been exploited. Our customers' security is of the utmost importance, and they have been notified." The company also stated that it is no longer using the compromised system.

Protecting Yourself After a Data Breach

While users of affected brands await official statements, there are general steps individuals can take to protect themselves in the aftermath of a data breach: - Follow vendor-specific advice - Change passwords, using strong, unique combinations - Enable two-factor authentication (2FA), preferably using FIDO2-compliant hardware - Be cautious of phishing attempts impersonating the vendor - Avoid storing payment card details on websites - Consider setting up identity monitoring services Read the full article

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forexindicatorcashpowerdownload · 7 months

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paydayquid · 9 months

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Obtaining Funds with Short Term Loans UK Direct Lender Is Like Playing a Child's Play

Generally speaking, the lender would ask for a short term loans in order to provide the financial backup because it facilitates quick and timely repayment. The lender takes money out of the borrower's account after the conclusion of the loan payback period. But, since short term loans UK direct lender are a superior alternative for you to get the fastest amount in an easy approach, you don't need to worry if you don't have one.

If you have negative credit due to defaults, arrears, foreclosure, late payments, CCJs, IVAs, or bankruptcy, don't worry. The lender's refusal to review customers' history and current credit records is the cause of this. As a result, credit history is irrelevant in order to obtain the funds through the mentioned loan. To gain the confidence of lenders, you must meet the eligibility requirements listed below.

You meet the following requirements:

- You are a lawful resident of the United Kingdom;

- You are at least eighteen years old;

- You have been working for a reputable company for the past six months;

- To receive the funds by direct deposit, you must also have an active bank account.

You can now borrow money using short term loans UK in the range of £100 to £1000 without having to pledge any kind of collateral as security. You can utilize this modest cash solution to cover a variety of problems, including overdraft fees from banks, unpaid medical bills, electricity bills, grocery shop bills, travel costs, and house loan installments. As the name suggests, you have 30 days from the acceptance date to repay the money.

Obtaining short term loans UK direct lender is a very straightforward process. All you have to do is complete an application on the website, including accurate information such as your full name, address, bank account, email address, age, phone number, and so forth. Within 30 days of your application, the lender will sanction your funds directly into your account if your financing is approved.

Are 15 Minute Short Term Loans Available?

Sure, you can accomplish this, but it's also critical to comprehend the steps involved in applying for any kind of loan.

The first thing you should think about is how much you want to borrow. The next step will be to look for short term loans direct lenders, and the simplest way to do it in today's connected world is to go online. (If you find anything that works for you, you may also apply online for a loan.)

Depending on how you approach it and how many sites you review, this search process may take some time. Which lender—a licensed credit broker or a direct lender—will you use to search for a short term loans UK?

It's understandable why some people only consult two or three sources before selecting one. And that might be a mistake because you would pass up a lot of same day loans UK options that could be beneficial.

This raises another query. Is using a broker rather than a lender the best option? To help you decide whether to look for a 15-minute offer directly from a lender instead of a broker, let's examine the differences between the two.

#Short Term Loans UK #Same Day Loans UK #Short Term Cash Loans

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gapaskat · 1 year

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Addressing Response to Customer Difficulties: Starting Point

What are the common problems encountered by CMU students nowadays?

In this journal, you will learn about our journey of finding problems and how we were able to come up with this particular product in order to achieve a more efficient and productive academic life for college students.

The first thing we did during the first week was to create a plan on how we will conduct our interview and how many prospective people we need including the college they should be from. The team agreed on making interviews by pair; one person will do the asking while the other will do the documentation.

After some interviews, we gathered all the information and shared it together with other members.

After giving it some thought, we took notes of the problems raised and created possible solutions to each of them. The next day, we interviewed another group of people for further investigation. The following is the summarization of the data gathered from respondents.

Data Gathered:

• 2Males (From Agriculture) - Problem: Garbage’s on Agriculture Benches

• 1 male (From CAS) - Problem: Lack of trash bins & sometimes no water on Comfort Rooms

• 1 Female (From CFES) - Problem: CMU market is too far printings

• 1 Female (From CBM) - Problem: CMU market is too far school supplies

• 2 Females (Graduate Students) -Problem: Financial problem

• 1 Female (Veterinary Medicine) - Problem: CMU market is too far printing

• 1 Female (Education) -Problem: Slow internet

• 5 Females (CAS, Psychology) -Problem: Lack of benches

A total of 14 customers are interviewed. And then we all gathered together to brainstorm and discuss our possible plans.

In consideration of the data’s we have gathered while conducting interviews, we noticed that there was diverse array of problems from our customers' answers. The group decided to formulate possible solutions to the problems while also considering the opportunity to profit. The most significant one was financial problems, our chosen solution for this was to construct or create a platform for a marketplace where we will play the role of a broker. It aims to give opportunities for students to:

1. Dispose of their old possessions through selling second-hand items (books, print-outs, yoga mats, swimsuits, etc.) 2. Allows them to buy items at a lesser price. 3. Easy access for available boarding houses in the area.

However, it requires a lot of estimations and assumptions and we found out that CMU already has an online marketplace.

Another best alternative we are able to formulate was the solution to the distance of the CMU market in regards to printing services. We came up with the decision to choose the printing problems to be addressed. After considering other variables, the team has made an idea of providing a self-service, coin-generated, Vendo printing machine rather than using a regular printer which needs someone to operate and provide assistance for all the time. It is super convenient and can be less hassle since we only need to provide maintenance for it once in a while. For that cause, we did research if this product is available in the market or is yet to be created.

To find out that it is currently unavailable in the local market, we are advised to manufacture the product ourselves, because formulating it on our own and managing its service function would dampen the fixed cost, causing us to hardly match the value of the product in the value the customers can afford to give which can dampen the possibility of profitability. With that in plan, we established steps to properly manufacture the product and as to where we will market it.

The group formulated the following measures:

• Collaborate with people with expertise in the making of the product (IT technicians/ Engineers) • Interview experts as to the costs of manufacture, the processes and licenses needed to manufacture the product. • Have the estimation as to the possibility of profitability or determine the economic value of the product in a certain point of time. • Make a model or prototype of the product, as to the process of using it • Devise a clear plan on whom to sell the product.

To sum up, working with other institutions to create a clear plan for marketing your product might be a smart step to access new markets, make use of pooled resources, and ultimately succeed more in the education industry. Our teamwork leads to productivity, innovation, decision-making, communication and personla growth, while also fostering strong relationships among team members.

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pogoyarabelajane · 1 year

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Addressing Response to Customer Difficulties: Starting Point

What are the common problems encountered by CMU students nowadays?

After some interviews, we gathered all the information and shared it together with other members.

Data Gathered:

2 males (Agriculture Students) — lack of trash bins in Agri benches.

1 male (from CAS) — lack of trash bins and CR (no water)

1 female (from CFES) — CMU market is too far for printing documents.

1 female (from CBM) — CMU market is too far for printing documents.

2 female (Graduate students) — Financial problem.

1 female (from CVM) — CMU market is too far.

1 female (from COEd) — Slow internet.

5 females (from CAS) — Lack of benches.

A total of 14 customers are interviewed.

And then we all gathered together to brainstorm and discuss our possible plans.

In consideration of the datas we have gathered while conducting interviews, we noticed that there was a diverse array of problems from our customers' answers. The group decided to formulate possible solutions to the problems while also considering the opportunity to profit. The most significant one was financial problems, our chosen solution for this was to construct or create a platform for a marketplace where we will play the role of a broker. It aims to give opportunities for students to:

Dispose of their old possessions through selling second-hand items(books, print-outs, yoga mats, swimsuits, etc.)

Allows them to buy items at a lesser price.

Easy access for available boarding houses in the area.

However, it requires a lot of estimations and assumptions and we found out that Central Mindanao University already has an online marketplace.

Another best alternative we are able to formulate was the solution to the distance of the University Market in regards to printing services. We came up with the decision to choose the printing problems to be addressed. After considering other variables, the team has made an idea of providing a self-service, coin-generated, vendo printing machine rather than using a regular printer which needs someone to operate and provide assistance for all the time. It is super convenient and can be less hassle since we only need to provide maintenance for it for once in a while. For that cause, we did research if this product is available in the market or is yet to be created.

The group formulated the following measures:

Collaborate with people with expertise in the making of the product (IT technicians/ Engineers)

Interview experts as to the costs of manufacture, the processes and licenses needed to manufacture the product.

Have the estimation as to the possibility of profitability or determine the economic value of the product in a certain point of time.

Make a model or prototype of the product, as to the process of using it.

Devise a clear plan on whom to sell the product.

To conclude:

Team work and Cooperation with the team

Work with Unity, and Diverse Perspective

Adaptability

Constructive feedback

Having this kind of behavior and attitude makes the team create a unique and successful product and/or service, it also helps the students life easier in terms of printing their outputs. Moreover, the team should not waste time on thinking of innovative ideas that can be useful not only for students but also a product and/or services that we can still benefit in the future.

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accb1 · 5 months

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Customs Clearance Services - ACCB Customs Broker

What is customs clearance process?

Customs clearance is the process through which imported or exported goods are approved by customs authorities for entry or exit from a country. It involves a series of procedures and documentation to ensure that goods comply with local regulations, taxes, and duties.

The customs clearance process typically includes the following steps:

Documentation: Importers or exporters must provide the necessary documentation to customs authorities, including invoices, packing lists, bills of lading, and certificates of origin. These documents help customs officials verify the nature, quantity, and value of the goods being imported or exported.

Customs Declaration: Importers or exporters must submit a customs declaration form, which provides detailed information about the goods being transported, their value, and other relevant details. This declaration is used by customs authorities to assess applicable duties, taxes, and regulatory requirements.

Examination: Customs authorities may inspect the goods to ensure that they comply with import/export regulations, safety standards, and other requirements. This may involve physical inspection of the goods or examination of accompanying documentation.

Assessment of Duties and Taxes: Customs authorities calculate the duties, taxes, and other fees applicable to the imported or exported goods based on their value, classification, and country of origin. Importers or exporters are required to pay these fees before the goods can be released from customs.

Release of Goods: Once all necessary requirements have been met and any applicable fees have been paid, customs authorities authorize the release of the goods. The goods can then be transported to their final destination within the country or exported to their intended destination overseas.

Post-Clearance Compliance: Importers or exporters may be required to comply with additional regulatory requirements after customs clearance, such as obtaining permits or licenses for certain types of goods, or providing additional documentation for record-keeping purposes.

The customs clearance process can vary significantly from one country to another, depending on local regulations and trade agreements. Importers and exporters often work with customs brokers or freight forwarders to navigate the complexities of customs clearance and ensure smooth movement of goods across borders.

#isf form shipping #customs brokerage company #us customs car import #pet custom brokerage #isf importer #licensed custom broker #s #customs clearance services #isf importer security filing #custom clearance agent usa #isf customs

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reportscammedbitcoin1 · 1 year

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Inside Aave.com: An Investigative Report on the Alleged Scam

Aave.com is an online platform that claims to provide a decentralized financial marketplace where users can access lending and borrowing services. While it may seem like a legitimate service, there are concerns about its legitimacy, prompting many to question whether or not it is a scam. In this article, we will delve into the legitimacy of Aave.com and discuss the risks of using an unlicensed broker.

Is Aave.com a Licensed Broker?

One of the first things you should look for when considering using an online broker is whether or not it is licensed. Unfortunately, Aave.com does not provide any information about its licensing status. You cannot find any license or authorization tab on their website.

The governance tab takes to a forum signup tab. Even if their contact us button is just a mail-integrated button, there is no way to know about their license.

This raises a red flag as it is required by law for brokers to be licensed and registered with the relevant regulatory bodies.

Why Should Not You Trust An Unlicensed Broker?

Using an unlicensed broker can be incredibly risky as they operate outside of regulatory frameworks, meaning they are not subject to the same scrutiny and oversight as licensed brokers.

Can Aave.com Be Trusted?

The fact that Aave.com is unlicensed does not necessarily mean it is a scam. However, the lack of transparency about its licensing status is cause for concern. The platform does have a good reputation in the crypto community and has been around since 2017, which suggests that it may be a legitimate service. However, traders should proceed with caution when using Aave.com or any other unlicensed broker.

What Do Traders Think About Aave.com?

Online reviews of Aave.com are mixed, with some traders reporting positive experiences and others reporting negative experiences. Some traders have reported difficulties withdrawing their funds, while others have reported slow customer service. However, it is worth noting that negative reviews do not necessarily mean that Aave.com is a scam.

Was scammed by Aave.com? – Talk to Our Experts

If you believe that Aave.com or any other unlicensed broker has scammed you, it is essential to seek legal advice immediately. Our team of experts is available to assist you in recovering your funds and holding scammers accountable. Contact us today for a free consultation.

If you have lost money to companies like Coin Pay Bank Wallet, Ore Crypto, or bstorext, please report today.

#Aave #scammeralert #scammers #got scammed #scam #bitcoin scam #cryptocurrency scam

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presidentalpaca · 2 years

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lowkey i cant believe ive gotten this job. like i just want to list everything out real quick. i have so much respect for service workers cause its fucking hard. and im just rlly grateful to get a break

getting fully licensed as a broker. studying is on the clock. tests are paid for. its assumed that i have jack shit financial knowledge and they take time to make sure everyone gets it

class discussions, independent study time, kahoots, quizzes, practice tests

if you study at home you gotta let them know so you get paid for overtime

learning financial literacy! aside from brokerage, theres insurance, IRAs, etc. ill finally know what that all means but i dont have to look it up on my own?? sick as hell

full benefits

classes and workshops not just on finance but also self care and health

everyone is so nice

despite it being finance, it seems like the most lesser evil i couldve found??? there are just a lot of green flags here. still critical of the system and all its parts ofc, but so are many people here

you dont gotta work to figure out how to get a promotion. and promotions are more abt what u wanna learn how to do rather than what you know from the get go

8 hrs a year PTO to volunteer in the community

so many gay people here. a lgbt+ organization and little flags at every couple desks

CONSISTENT SCHEDULING. bitch i need to know what ill be doing at work 3+ months in advance if im gonna get back into theatre.

also the routine of it all helps me take care of my body (sleep, meals, exercise, same shit every day, dont gotta replan and debate options)

bonuses throughout the year

two paid 15-min breaks on top of the 30-min lunch break, and u can take occasional 5-min breaks to go to the bathroom or get a coffee w/o permission

im not on my feet on concrete all day greeting every customer and never getting more than an "im just looking" and watching diligently for shoplifters. im not exhausted and in pain

at this point i dont have to sell anything!! or call anyone! i just help people who call us. thats so nice

desks that move up and down to be standing or sitting

working and growing w a team instead of figuring everything out all by myself

ive always wanted to move to chicago or atlanta to pursue film/tv but now it seems doable!! give it a little time and save money up and ill be able to move to the branch there and try to get a second job or just work on independent projects

and finally.... drumroll......

there's a free-to-use flavored seltzer machine

#not saying where bc i wanna keep being a goofball online w/o it affecting my professional life #babbles

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ian-marlow-boca-raton0 · 2 years

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In what ways may one develop their real estate consulting career?

A set of requirements must be met before one may practice as a real estate consultant with a valid license. Some examples include working as an agent's assistant or earning a license.

To provide real estate consulting services as a profession, you must first get the appropriate certification. Successfully passing a state licensing test is often required to get a real estate license. There are typically two parts to the examination. The first section explains the fundamentals of real estate law and regulation.

Several jurisdictions require agents to attend training courses before issuing licenses. Self-paced learning is the norm in this kind of online education. Students may get a fast pass in specific courses using "boot camp"-style solutions. Students may become comfortable with the structure of the actual exam by taking practice exams, which are often included in pre-licensing classes.

Step two is to order a background check, which may cost anywhere from $40 to $100. No photocopies of passports or driver's licenses are required from applicants. However, if you are not a U.S. citizen, your immigration status will need to be confirmed.

The license may also need to be renewed every few years, depending on the state. Licenses for agents may be renewed every two or four years. To keep your license valid, you must complete any required continuing education courses before they expire.

It is common practice for aspiring real estate consultants to "shadow" an established expert in the field. Other agents' good and bad experiences may be studied in several different ways. Participating in a peer group, listening to a lecture, and making connections are all excellent examples.

Success in real estate requires a lot of effort and self-control on the part of agents. It is also critical to stick to a plan and a budget. You need to set aside time daily to enhance your knowledge and stay abreast of changes in your field.

To advance, consider attending seminars and meetings and assisting other agents with their initiatives. For instance, if you're an attorney and a client is looking for office space, you may use your real estate expertise to assist them. Having other brokers check out the place is also a good idea.

Even if you need more time to do your assignments, attending a conference or seminar could be worth it. There are many fun things to do, and you can do them without breaking the bank or having to go far.

One might join the real estate market in several different ways. Finding the most fundamental things is difficult, but you can. You may, for example, negotiate with a mortgage lender to fund the purchase, employ a real estate agent to assist you in finding suitable houses, or arrange a payment plan. All of this might become pricey, regardless of how big or tiny your family is. If you want in on the activity, think about the following suggestions.

Asking questions as a jumping-off point is a great strategy. How do you typically respond when clients make requests? Similarly, how should companies interact with customers who refuse to adapt to new ways of doing things? Also, consider a career change if your customers aren't raving about your job.

You need to know the industry well and out to make a living as a real estate consultant. For instance, you should motivate yourself daily. Discipline is required, and you should be at ease in social situations. You should also include time in your schedule for building professional relationships, learning new skills, and continuing to develop professionally.

To be a successful real estate consultant, you must organize your time well for the weeks and months ahead. Therefore, you should set weekly and daily objectives and strive diligently to achieve them. It would help if you also were flexible with your timetable. Your customers may sometimes need your availability outside regular business hours, including weekends. No issue exists; however, it may not be easy to maintain social contact with loved ones over the week.

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centenarybank · 2 years

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Five Advantages Of Banking Online

Enroll in Online and Mobile Banking, and discover the benefit of banking on your own terms. Watch video to see tips on how to enroll in Online Banking for the first time. Investing involves market threat, together with potential loss of principal, and there could be no assure that investment aims shall be achieved. You might be capable of use a portion of your house's value to spruce it up or pay other bills with a Home Equity Line of Credit. To find out should you may be eligible for a HELOC, use our HELOC calculatorand different resourcesfor a HELOC.

'Once, now' transfers between your First Merchants accounts will have an result on your obtainable steadiness and appear in account history instantly as a pending merchandise. Settlement of the transfer will occur the subsequent enterprise day if the switch is after 9 p.m. Scheduled or recurring transfers shall be processed and seem the morning of the date scheduled. J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment services via J.P. Morgan Securities LLC , a registered broker-dealer and funding advisor, memberFINRA and SIPC. Annuities are made out there by way of Chase Insurance Agency, Inc. , a licensed insurance coverage agency, doing business as Chase Insurance Agency Services, Inc. in Florida.

If you would possibly be transferring money between several varieties of accounts on the identical bank, the switch should go through on the identical day. Online banking lets you access your account history and transactions from anyplace. This is the quickest approach to see whether or not a transaction has cleared your account. It additionally lets you discover out about any unauthorized transactions extra rapidly, so you can dispute them immediately. For complex situations, like pesky customer service issues or discussions about various kinds of loans, you would possibly benefit from a face-to-face meeting at a traditional bank.

All these transactions are done in a highly secure setting that encrypts your data as you transact. In addition, you might be well coated by a number of security measures such as secret questions and transaction pins.Click for more details. First Citizens Online Banking … enjoy the ease and accessibility of the best yet most powerful money administration tool obtainable to you. From time to time, we provide links to different websites for the use of our visitors, which have been compiled from inside and exterior sources. By clicking “Continue” under, you'll be opening a model new browser window and leaving our website.

In quick, online banking retains you in contact together with your cash whether or not you’re at house, out to dinner or taking an prolonged journey. Capital One 360 offers a financial savings account , checking account and CDs . It additionally presents a Kids Savings Account and MONEY Teen Checking. Its mobile app will get 4.9 stars out of 5 on the App Store and four.6 out of 5 stars on Google Play.

Customer service is available seven days per week by telephone or email. In Spain, the variety of bank branches had shrunk to about 20,000 in 19 years for the reason that bailout of 2012 and with the Coronavirus pandemic one other 3000 branches closed in 2 years. Security of a buyer's financial info is very important, without which online banking couldn't function. Similarly the reputational risks to banks themselves are essential. Financial institutions have arrange online banking numerous safety processes to cut back the danger of unauthorized online entry to a buyer's data, but there is not any consistency to the assorted approaches adopted. After a check period with 2,500 customers starting in 1984, online banking companies had been launched in 1988, using Minitel terminals that had been distributed freely to the inhabitants by the government.

Seek out a bank with wonderful customer service as well. Nbkc bank offers a mixed checking and savings account, a money market account and CD terms from three months to 5 years. The cell app will get 4.5 stars out of 5 on the App Store and four.2 stars out of 5 on Google Play.

Zelle® and the Zelle® associated marks are wholly owned by Early Warning Services, LLC and are used herein underneath license. Other product and firm names talked about herein are the property of their respective owners. Manage your accounts and transactions with improved security, assist velocity online banking up your receivables and payables, and bank on your schedule, so you will get again to your business. Transfer cash between Pinnacle Bank accounts or transfer to other monetary establishments.

See all of your financial accounts in a single place, including these at different financial institutions. Track and analyze your whole spending, loans and investments. You set up who you want to pay, when and how much; and the payment online banking is deducted out of your checking account and sent to the payee for you. Our app presents all of the convenient banking options you like from online banking. You can download the UMB Mobile Banking App on the Google Play or Apple App stores.

M&T digital instruments and options that will be out there to you. Additional browsers will be added if usage meets or exceeds 5% of total login exercise. With PinnBank Online Banking, you possibly can bank wherever, anytime. The Huntington National Bank is an Equal Housing Lender and Member FDIC. ®, Huntington®,Huntington.Welcome.® and Huntington Heads Up® are federally registered service marks of Huntington Bancshares Incorporated. 24-Hour Grace® and Standby Cash® are federally registered service mark of Huntington Bancshares Incorporated.

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cyberianlife · 2 years

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Data Brokers and the Sale of Americans’ Mental Health Data

The Exchange of Our Most Sensitive Data and What It Means for Personal Privacy

Authored by Joanne Kim,

Sanford School of Public Policy - Duke University

(Full report made available online)

Overview:

This report includes findings from a two-month-long study of data brokers and data on U.S. individuals’ mental health conditions. The report aims to make more transparent the data broker industry and its processes for selling and exchanging mental health data about depressed and anxious individuals. The research is critical as more depressed and anxious individuals utilize personal devices and software-based health-tracking applications (many of which are not protected by the Health Insurance Portability and Accountability Act), often unknowingly putting their sensitive mental health data at risk. This report finds that the industry appears to lack a set of best practices for handling individuals’ mental health data, particularly in the areas of privacy and buyer vetting. It finds that there are data brokers which advertise and are willing and able to sell data concerning Americans’ highly sensitive mental health information. It concludes by arguing that the largely unregulated and black-box nature of the data broker industry, its buying and selling of sensitive mental health data, and the lack of clear consumer privacy protections in the U.S. necessitate a comprehensive federal privacy law or, at the very least, an expansion of HIPAA’s privacy protections alongside bans on the sale of mental health data on the open market.

Key Findings:

Some data brokers are marketing highly sensitive data on individuals’ mental health conditions on the open market, with seemingly minimal vetting of customers and seemingly few controls on the use of purchased data.

26 of the 37 contacted data brokers responded to inquiries about mental health data, and 11 firms were ultimately willing and able to sell the requested mental health data.

Whether this data will be deidentified or aggregated is also often unclear, and many of the studied data brokers at least seem to imply that they have the capabilities to provide identifiable data.

The 10 most engaged data brokers asked about the purpose of the purchase and the intended use cases for the data; however, after receiving that information (verbally or in writing) from the author, those companies did not appear to have additional controls for client management, and there was no indication in emails and phone calls that they had conducted separate background checks to corroborate the author’s (non-deceptive) statements.

The 10 most engaged brokers advertised highly sensitive mental health data on Americans including data on those with depression, attention disorder, insomnia, anxiety, ADHD, and bipolar disorder as well as data on ethnicity, age, gender, zip code, religion, children in the home, marital status, net worth, credit score, date of birth, and single parent status.

Pricing for mental health information varied: one data broker charged $275 for 5,000 aggregated counts of Americans’ mental health records, while other firms charged upwards of $75,000 or $100,000 a year for subscription/licensing access to data that included information on individuals’ mental health conditions.

One company that the author was in contact with depicted their firm as an advertising tech firm. The sales representative offered to ask their manager about coordinating a data deal on information from organizations they advertise for on behalf of the author.

Data broker 1 emphasized that the requested data on individuals’ mental health conditions was “extremely restricted” and that their team would need more information on intended use cases—yet continued to send a sample of aggregated, deidentified data counts.

After data broker 1 confirmed that the author was not part of a marketing entity, the sales representative said that as long as the author did not contact the individuals in the dataset, the author could use the data freely.

Data broker 2 implied they may have fully identified patient data, but said they were unable to share this individual-level data due to HIPAA compliance concerns. Instead, the sales representative offered to aggregate the data of interest in a deidentified form.

Data broker 4 was the most willing to sell data on depressed and anxious individuals at the author’s budget price of $2,500 and stated no apparent, restrictive data-use limitations post-purchase.

Data broker 4 advertised highly sensitive mental health data to the author, including names and postal addresses of individuals with depression, bipolar disorder, anxiety issues, panic disorder, cancer, PTSD, OCD, and personality disorder, as well as individuals who have had strokes and data on those people’s races and ethnicities.

Two data brokers, data broker 6 and data broker 9, mentioned nondisclosure agreements (NDAs) in their communications, and data broker 9 indicated that signing an NDA was a prerequisite for obtaining access to information on the data it sells.

Data broker 8 often made unsolicited calls to the author’s personal cell. If the author was delayed in responding to an email from data broker 8, the frequency of calls seemed to increase.

Some brokers imposed data use limitations on the possible sale of people’s mental health information, ranging from “single-use” (which usually pertains to mailing purposes) to “multi-use” (which means the dataset is available for one year after purchase) based on the firm and the product purchased.

Based on an evaluation of privacy policies, data brokers seem collectively less willing to provide access and disclosure to their customers and users about the collection or correction of personal data.

#privacy #privacy rights #data brokers #mental health #personal data #consumer privacy #data resellers #information broker #digital privacy #online safety

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