#us licensed customs broker

[insurance-brokers-india]

What are the next steps after obtaining an insurance broker license, and how can you generate potential leads using Mzapp CRM software?

Congratulations on securing your insurance broker license! The journey doesn’t end here; it’s just the beginning of building a successful insurance brokerage. Here’s how you can proceed and leverage Mzapp CRM software to find potential leads:

Steps After Getting Your Insurance Broker License

Understand Your Market: Research your target audience (individuals, businesses, or specific sectors).

Develop a Business Plan: Set goals for client acquisition, revenue, and operational processes.

Build a Network: Partner with insurance providers and attend industry events to establish your presence.

Create an Online Presence: Build a professional website and maintain active profiles on social platforms.

Offer Value-Added Services: Educate customers on policies, claims management, and risk assessments.

Using Mzapp CRM Software to Generate Leads

Lead Capture: Utilize Mzapp’s integrated forms and web tracking tools to capture inquiries from your website or social media.

Automated Follow-Ups: Set up personalized email and SMS follow-ups to nurture leads effectively.

Lead Scoring: Prioritize leads based on their interaction history, ensuring you focus on high-potential prospects.

Data-Driven Campaigns: Use analytics to identify what works and launch targeted campaigns.

Seamless Policy Management: Impress leads by showcasing how smoothly you manage policies and claims through Mzapp.

Why Choose Mzapp CRM?

Mzapp CRM simplifies lead management, streamlines operations, and provides insights into customer behavior, making it easier to convert prospects into loyal clients.

Learn more about how Mzapp can transform your insurance business here.

[accb1]

Isf Customs Filing - ACCB Customs Broker

How long does the ISF filing process take?

The ISF filing process typically requires importers to submit the necessary information to the U.S. Customs and Border Protection (CBP) at least 24 hours before the cargo is loaded onto a ship bound for the United States or a foreign trade zone.

It is important to note that the responsibility for filing the ISF lies with the importer, but they can also rely on customs brokers or authorized agents to handle the filing process on their behalf.

The time it takes to complete the ISF filing process can vary depending on factors such as the availability of the required information and the efficiency of the filing method used. According to one source, it usually takes 48 to 72 hours to gather all the necessary information and compile it correctly for the ISF.

However, it is advisable to request the relevant information from manufacturers and other partners at least a week before the goods are shipped to allow sufficient time for the filing process.

It is worth mentioning that importers have the option to amend their ISF at any point between filing and when the cargo arrives at a U.S. port. This allows for any necessary changes or updates to be made without the need to delete and refile the form.

In summary, the ISF filing process typically requires importers to submit the necessary information to the CBP at least 24 hours before the cargo is loaded onto a ship bound for the United States or a foreign trade zone. The time it takes to complete the filing process can vary, but it is advisable to request the relevant information at least a week before the goods are shipped to allow sufficient time for gathering and compiling the required information

[mostlysignssomeportents]

Cars bricked by bankrupt EV company will stay bricked

On OCTOBER 23 at 7PM, I'll be in DECATUR, presenting my novel THE BEZZLE at EAGLE EYE BOOKS.

There are few phrases in the modern lexicon more accursed than "software-based car," and yet, this is how the failed EV maker Fisker billed its products, which retailed for $40-70k in the few short years before the company collapsed, shut down its servers, and degraded all those "software-based cars":

https://insideevs.com/news/723669/fisker-inc-bankruptcy-chapter-11-official/

Fisker billed itself as a "capital light" manufacturer, meaning that it didn't particularly make anything – rather, it "designed" cars that other companies built, allowing Fisker to focus on "experience," which is where the "software-based car" comes in. Virtually every subsystem in a Fisker car needs (or rather, needed) to periodically connect with its servers, either for regular operations or diagnostics and repair, creating frequent problems with brakes, airbags, shifting, battery management, locking and unlocking the doors:

https://www.businessinsider.com/fisker-owners-worry-about-vehicles-working-bankruptcy-2024-4

Since Fisker's bankruptcy, people with even minor problems with their Fisker EVs have found themselves owning expensive, inert lumps of conflict minerals and auto-loan debt; as one Fisker owner described it, "It's literally a lawn ornament right now":

https://www.businessinsider.com/fisker-owners-describe-chaos-to-keep-cars-running-after-bankruptcy-2024-7

This is, in many ways, typical Internet-of-Shit nonsense, but it's compounded by Fisker's capital light, all-outsource model, which led to extremely unreliable vehicles that have been plagued by recalls. The bankrupt company has proposed that vehicle owners should have to pay cash for these recalls, in order to reserve the company's capital for its creditors – a plan that is clearly illegal:

https://www.veritaglobal.net/fisker/document/2411390241007000000000005

This isn't even the first time Fisker has done this! Ten years ago, founder Henrik Fisker started another EV company called Fisker Automotive, which went bankrupt in 2014, leaving the company's "Karma" (no, really) long-range EVs (which were unreliable and prone to bursting into flames) in limbo:

https://en.wikipedia.org/wiki/Fisker_Karma

Which raises the question: why did investors reward Fisker's initial incompetence by piling in for a second attempt? I think the answer lies in the very factor that has made Fisker's failure so hard on its customers: the "software-based car." Investors love the sound of a "software-based car" because they understand that a gadget that is connected to the cloud is ripe for rent-extraction, because with software comes a bundle of "IP rights" that let the company control its customers, critics and competitors:

https://locusmag.com/2020/09/cory-doctorow-ip/

A "software-based car" gets to mobilize the state to enforce its "IP," which allows it to force its customers to use authorized mechanics (who can, in turn, be price-gouged for licensing and diagnostic tools). "IP" can be used to shut down manufacturers of third party parts. "IP" allows manufacturers to revoke features that came with your car and charge you a monthly subscription fee for them. All sorts of features can be sold as downloadable content, and clawed back when title to the car changes hands, so that the new owners have to buy them again. "Software based cars" are easier to repo, making them perfect for the subprime auto-lending industry. And of course, "software-based cars" can gather much more surveillance data on drivers, which can be sold to sleazy, unregulated data-brokers:

https://pluralistic.net/2023/07/24/rent-to-pwn/#kitt-is-a-demon

Unsurprisingly, there's a large number of Fisker cars that never sold, which the bankruptcy estate is seeking a buyer for. For a minute there, it looked like they'd found one: American Lease, which was looking to acquire the deadstock Fiskers for use as leased fleet cars. But now that deal seems dead, because no one can figure out how to restart Fisker's servers, and these vehicles are bricks without server access:

https://techcrunch.com/2024/10/08/fisker-bankruptcy-hits-major-speed-bump-as-fleet-sale-is-now-in-question/

It's hard to say why the company's servers are so intransigent, but there's a clue in the chaotic way that the company wound down its affairs. The company's final days sound like a scene from the last days of the German Democratic Republic, with apparats from the failing state charging about in chaos, without any plans for keeping things running:

https://www.washingtonpost.com/opinions/2023/03/07/east-germany-stasi-surveillance-documents/

As it imploded, Fisker cycled through a string of Chief Financial officers, losing track of millions of dollars at a time:

https://techcrunch.com/2024/05/31/fisker-collapse-investigation-ev-ocean-suv-henrik-geeta/

When Fisker's landlord regained possession of its HQ, they found "complete disarray," including improperly stored drums of toxic waste:

https://techcrunch.com/2024/10/05/fiskers-hq-abandoned-in-complete-disarray-with-apparent-hazardous-waste-clay-models-left-behind/

And while Fisker's implosion is particularly messy, the fact that it landed in bankruptcy is entirely unexceptional. Most businesses fail (eventually) and most startups fail (quickly). Despite this, businesses – even those in heavily regulated sectors like automotive regulation – are allowed to design products and undertake operations that are not designed to outlast the (likely short-lived) company.

After the 2008 crisis and the collapse of financial institutions like Lehman Brothers, finance regulators acquired a renewed interest in succession planning. Lehman consisted of over 6,000 separate corporate entities, each one representing a bid to evade regulation and/or taxation. Unwinding that complex hairball took years, during which the entities that entrusted Lehman with their funds – pensions, charitable institutions, etc – were unable to access their money.

To avoid repeats of this catastrophe, regulators began to insist that banks produce "living wills" – plans for unwinding their affairs in the event of catastrophe. They had to undertake "stress tests" that simulated a wind-down as planned, both to make sure the plan worked and to estimate how long it would take to execute. Then banks were required to set aside sufficient capital to keep the lights on while the plan ran on.

This regulation has been indifferently enforced. Banks spent the intervening years insisting that they are capable of prudently self-regulating without all this interference, something they continue to insist upon even after the Silicon Valley Bank collapse:

https://pluralistic.net/2023/03/15/mon-dieu-les-guillotines/#ceci-nes-pas-une-bailout

The fact that the rules haven't been enforced tells us nothing about whether the rules would work if they were enforced. A string of high-profile bankruptcies of companies who had no succession plans and whose collapse stands to materially harm large numbers of people tells us that something has to be done about this.

Take 23andme, the creepy genomics company that enticed millions of people into sending them their genetic material (even if you aren't a 23andme customer, they probably have most of your genome, thanks to relatives who sent in cheek-swabs). 23andme is now bankrupt, and its bankruptcy estate is shopping for a buyer who'd like to commercially exploit all that juicy genetic data, even if that is to the detriment of the people it came from. What's more, the bankruptcy estate is refusing to destroy samples from people who want to opt out of this future sale:

https://bourniquelaw.com/2024/10/09/data-23-and-me/

On a smaller scale, there's Juicebox, a company that makes EV chargers, who are exiting the North American market and shutting down their servers, killing the advanced functionality that customers paid extra for when they chose a Juicebox product:

https://www.theverge.com/2024/10/2/24260316/juicebox-ev-chargers-enel-x-way-closing-discontinued-app

I actually owned a Juicebox, which ultimately caught fire and melted down, either due to a manufacturing defect or to the criminal ineptitude of Treeium, the worst solar installers in Southern California (or both):

https://pluralistic.net/2024/01/27/here-comes-the-sun-king/#sign-here

Projects like Juice Rescue are trying to reverse-engineer the Juicebox server infrastructure and build an alternative:

https://juice-rescue.org/

This would be much simpler if Juicebox's manufacturer, Enel X Way, had been required to file a living will that explained how its customers would go on enjoying their property when and if the company discontinued support, exited the market, or went bankrupt.

That might be a big lift for every little tech startup (though it would be superior than trying to get justice after the company fails). But in regulated sectors like automotive manufacture or genomic analysis, a regulation that says, "Either design your products and services to fail safely, or escrow enough cash to keep the lights on for the duration of an orderly wind-down in the event that you shut down" would be perfectly reasonable. Companies could make "software based cars" but the more "software based" the car was, the more funds they'd have to escrow to transition their servers when they shut down (and the lest capital they'd have to build the car).

Such a rule should be in addition to more muscular rules simply banning the most abusive practices, like the Oregon state Right to Repair bill, which bans the "parts pairing" that makes repairing a Fisker car so onerous:

https://www.theverge.com/2024/3/27/24097042/right-to-repair-law-oregon-sb1596-parts-pairing-tina-kotek-signed

Or the Illinois state biometric privacy law, which strictly limits the use of the kind of genomic data that 23andme collected:

https://www.ilga.gov/legislation/ilcs/ilcs3.asp?ActID=3004

Failing to take action on these abusive practices is dangerous – and not just to the people who get burned by them. Every time a genomics research project turns into a privacy nightmare, that salts the earth for future medical research, making it much harder to conduct population-scale research, which can be carried out in privacy-preserving ways, and which pays huge scientific dividends that we all benefit from:

https://pluralistic.net/2022/10/01/the-palantir-will-see-you-now/#public-private-partnership

Just as Fisker's outrageous ripoff will make life harder for good cleantech companies:

https://pluralistic.net/2024/06/26/unplanned-obsolescence/#better-micetraps

If people are convinced that new, climate-friendly tech is a cesspool of grift and extraction, it will punish those firms that are making routine, breathtaking, exciting (and extremely vital) breakthroughs:

https://www.euronews.com/green/2024/10/08/norways-national-football-stadium-has-the-worlds-largest-vertical-solar-roof-how-does-it-w

Tor Books as just published two new, free LITTLE BROTHER stories: VIGILANT, about creepy surveillance in distance education; and SPILL, about oil pipelines and indigenous landback.

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2024/10/10/software-based-car/#based

[lifehackerwhy]

HeroFX: Key Concerns and Issues

HeroFX is an online trading platform established in 2021, offering various trading instruments like forex, indices, shares, futures, crypto, metals, and energies. However, several serious concerns make it a risky choice for traders.

🚨 Regulatory Concerns

No Regulation: HeroFX is not licensed by any major financial authority.

High Risk: Without regulation, there's no guarantee of fund safety or fair trading practices.

📉 User Feedback

Withdrawal Issues: Many users report problems withdrawing their funds.

Security Breaches: There are reports of security issues and possible fraud.

Poor Support: Customer support is often unhelpful and slow to respond.

💵 Minimum Deposit and Trading Conditions

Low Deposit: HeroFX advertises a low minimum deposit of $20.

High Leverage: Leverage up to 1:500.

Hidden Fees: Users report unexpected fees and unclear terms.

Crypto Payments: Reliance on cryptocurrency payments raises transparency and security concerns.

🖥️ Platform Reliability

MT5 Platform: HeroFX uses the popular MetaTrader 5 platform.

Technical Issues: Users report frequent technical problems and platform downtimes.

Unreliable: Lack of regulation undermines trust in the platform’s reliability and security.

🛑 Conclusion

HeroFX's lack of regulation, numerous user complaints, and unclear trading conditions make it a high-risk choice for traders. It's advised to be extremely cautious with HeroFX and consider safer, regulated alternatives.

If you would like a thorough analysis, please visit the full review on ForexJudge.

[aadamkempfitness]

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

[girlactionfigure]

🚨EXCLUSIVE NEW DETAILS ABOUT THE PAGERS - A THREAD:

Just when you thought it couldn't get crazier, Reuters released brand new details about Mossad's brilliant pager operation against Hezbollah in September. I will break down the most important parts and the exciting moments. 

Let's start with the construction of the pagers themselves. The explosive component, Pentaerythritol tetranitrate (otherwise known as PETN), did the most damage. Mossad technicians found a way to insert a very thin square sheet of PETN between two battery cells and a strip of highly flammable material to act as a detonator. This entire package was placed into a plastic sleeve, which was encapsulated in a metal case roughly the size of a matchbox. 

When the command was given, the flammable strip generated a spark to light the detonator and trigger the PETN to explode. The explosives took away some of the battery's power, which Hezbollah noticed when the battery would drain faster than expected. However, they never put two and two together and continued to use and issue the devices. 

The complexity of this construction is essential for one primary reason: without metal components like a standard detonator or wires, the explosive element was utterly undetectable by X-ray. Israel knew that upon receiving the pagers, Hezbollah would likely check them for tampering or explosives, which is precisely what happened. Using airport-style security scanners, Hezbollah did indeed check the pagers, but thanks to Mossad's ingenuity, the explosive was not detected. 

Now we get to the really interesting part, which is the lengths the Mossad went to create a cover story for their ruse. The PETN battery pack that Mossad constructed had a label on it: LI-BT783, and this was an issue because that specific battery did not exist. The Mossad started by creating a custom model for the entire pager, AR-924. They approached a renowned Taiwanese brand, Gold Apollo, to add it to their catalog. 

Hsu Ching-Kuang, the chairman of Gold Apollo, was approached by a former employee and her new boss named "Tom" to inquire about adding the model. Ching-Kuang said that while he wasn't impressed by the AR-924 when he saw it, he agreed to grant a license under the brand and add photos and a description of the product to his company's website, thus unknowingly establishing the legitimacy of the Mossad's pager. 

In September 2023, a website named came online with the AR-924 listed as a product. The site was tied to a Hong Kong-based company, Apollo Systems HK, of which no record exists today. In late 2023, two additional online states came online with the LI-BT783 battery listed in their product list, amongst other legitimate units.

Users in two online forums discussing batteries even made posts about the LI-BT783 and the AR-924, praising its "great performance" and ruggedness for field use. When Hezbollah searched for a new pager, their procurement manager chose the AR-924. The salesperson who brokered the deal offered a "very inexpensive proposition" and continued reducing the price until the Hezbollah manager agreed. 

In the wake of the explosions, Hezbollah launched an internal probe of what went wrong. However, the senior official leading the investigation, Nabil Kaouk, was himself killed in an Israeli strike just 11 days after the pagers went off. The internal investigation is supposedly still in progress... 

@JewishWarrior13

[infinitywithoutparallel]

Know it's probably an odd offer but I've been seeing a ton of people not really understanding tariffs, given Trump's plans I've seen a lot of misinformation on them, but if anyone who follows me has any questions on them I'd be happy to answer. Im a licensed customs broker in the US so these things are my day to day.

[drgamenstein]

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.

[zerosecurity]

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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[paydayquid]

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.

[gapaskat]

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.

[accb1]

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.

[pogoyarabelajane]

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:

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.

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 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.

[reportscammedbitcoin1]

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.

[presidentalpaca]

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