Phil Devin Real Estate Consultants: Dit Drommehus er kun et Opkald Vaek

 

Er du i ojeblikket pa udkig efter et godt hus i Australien? Phil Devin Real Consultants kan lede dig til dit drommehus. Folk er ofte tilfredse med sin service, og det har saledes faet mange loyale kunder gennem arene. Det beskrives personligt af Phil som et lille bureau type agentur miljo, der har det primaere formal at give bedre ejendoms service og resultater.

 

Phil Devin er en fast ejendom professionel, der besidder stralende viden om fast ejendom med sine ar at give service til forskellige kunder. Han har de nodvendige faerdigheder til at yde den service, du fortjener. Han vil ogsa sorge for et positivt resultat til din ejendomssporgsmal.

 

Du kan se en liste over forskellige smukke boliger pa dets officielle side, og nogle af dem vil blive diskuteret i denne artikel for at give dig en kort beskrivelse af hver. En ejendom er beliggende i Loganholme, som er en perfekt investeringsmulighed pa grund af den langsigtede lejer, der allerede er pa plads, og dermed kan du være sikker pa en investeringsafkast.

 

Den anden ligger i Daisy Hill, og det er et to-etagers hus, der kan prale af sin kolige og forfriskende maling og placeres pa et godt sted. Du og din familie vil helt sikkert saette pris pa dens storrelse og andre funktioner. Derudover er den gode afstand til gode skoler ogsa praktisk for dine born, og det tager kun en kort koretur at na motorvejen.

 

Er du interesseret i en ejendom, der har et roligt miljo og en god plads? Du kan finde en i Holland Park, der er ideel til enhver families behov, eller ser du frem til ideen om hojt til loftet og en indhegnet pool? En sadan ejendom er tilgaengelig pa Hope Island.

At bo i Holland Park West er ogsa muligt med den ledige bolig, der har et lignende udseende til nybyggede boliger, da det for nylig blev renoveret. Det har ogsa en lav lobende vedligeholdelse og lave selskabsgebyrer.

 

Du kan finde alle ejendomme til salg eller til auktion samt de ejendomme, der er solgt, strengt organiseret pa Phil Devin Real Estate officielle hjemmeside. Phil har til formal at give kunderne den storste bekvemmelighed med sin enkle, men effektive hjemmeside.

 

Du kan ogsa anmode om en vurdering via Phil Devin Consultants hjemmeside, sammen med at soge efter en ledig bolig til udlejning, anmodning om vedligeholdelse og indgivelse af en lejeprogram. Men det ville være pænere at diskutere dine bekymringer med Phil personligt for at afklare alle dine behov og se ham fuldfore jobbet med et godt resultat.

 

 

Om os

 

Tal til alle, der har oplevet processen med at kobe eller saelge fast ejendom, og ofte er deres resultater en kombination af stress, skuffelse og i sidste ende kompromis! Et af mine mange mal er at sikre, at dit naeste skridt er en positiv.

 

Jeg startede Phil Devin Real Estate med en simpel mission: “At levere RESULTATER, der overstiger vores kunders forventninger”.

 

Hvad betyder dette for dig?

– Jeg ved, du har travlt og jeg respekterer din tid. Nar vi sætter en aftale og jeg vil vaere der.

– Nar jeg siger noget kan gores … kan du regne med det.

– Jeg forsoger ikke at snyde folk eller skjule oplysninger. Jeg handler om offentliggorelse.

– Jeg er ikke i den for en enkelt transaktion – jeg er i det for det lange traek … de livslange relationer.

– Det betyder, at jeg vil arbejde for at fa det resultat, du fortjener.

 

I sidste ende nar du kober eller saelger med mig, det kommer ned til din beslutning, hvad der passer til dig. Mit mal er at sikre, at du har nok information til at traeffe en beslutning, du kan vaere tilfreds med ned ad sporet. Nar du vælger mig at hjaelpe dig med at kobe eller saelge dit hjem, kan du regne med responsiv, kvalitet, omfattende og personlig service.

 

“Skuffet er forskellen mellem, hvad en klient forventer og hvad agenten leverer”

 

Jeg ved, at mine kunder onsker at handtere en “professionel”, der kan “lytte” til deres individuelle onsker og behov og tilbyde losninger til dem!

 

Phil Devin er den professionelle!

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Online Security Review Steps to Protect Yourself from Tax Identity Fraud

By William F. Whelan, guest columnist and Senior VP, Branch/Government Banking, Capital Bank.

As the 2017 tax season gets underway, Capital Bank of New Jersey is urging all customers to take extra precaution when filing their return to prevent their exposure to tax fraud.

“Fraudsters are using very clever tactics to get a hold of your personal information and submit false tax claims,” said David J. Hanrahan, Sr., President and CEO. “Consumers must be suspicious of any communication from the IRS—through e-mail, text or social media—that requests personal information, and should keep a watchful eye out for missing W-2s and mail containing sensitive financial information.”

Tax identity fraud takes place when a criminal files a false tax return using a stolen Social Security number in order to fraudulently claim the refund. Identity thieves generally file false claims early in the year and victims are unaware until they file a return and learn one has already been filed in their name.

To help consumers prevent tax ID fraud, Capital Bank of New Jersey is offering the following tips:

  1. File early. File your tax return as soon as you’re able, giving criminals less time to use your information to file a false return.
  1. File on a protected Wi-Fi network. If you’re using an online service to file your return, be sure you’re connected to a password-protected personal network. Avoid using public networks like a Wi-Fi hotspot at a coffee shop.
  1. Use a secure mailbox. If you’re filing by mail, drop your tax return at the post office or an official postal box instead of your mailbox at home. Some criminals look for completed tax return forms in home mailboxes during tax season.
  1. Find a tax preparer you trust. If you’re planning to hire someone to do your taxes, get recommendations and research a tax preparer thoroughly before handing over all of your financial information.
  1. Shred what you don’t need. Once you’ve completed your tax return, shred the sensitive documents that you no longer need and safely file away the ones you do.
  1. Beware of phishing scams by e-mail, text or phone. Scammers may try to solicit sensitive information by impersonating the IRS. Know that the IRS will not contact you by e-mail, text or social media. If the IRS needs information, they will contact you by mail first.
  1. Keep an eye out for missing mail. Fraudsters look for W-2s, tax refunds or other mail containing your financial information. If you don’t receive your W-2s, and your employer indicates they’ve been mailed, or it looks like it has been previously opened upon delivery, contact the IRS immediately.

If you believe you’re a victim of tax identity theft or if the IRS denies your tax return because one has previously been filed under your name, alert the IRS Identity Protection Specialized Unit at 1-800-908-4490. In addition, you should:

  • Respond immediately to any IRS notice and complete IRS Form 14039, Identity Theft Affidavit.
  • Contact your bank immediately, and close any accounts opened without your permission or tampered with.
  • Contact the three major credit bureaus to place a fraud alert on your credit records:
    • Equifax, Equifax.com, 1-800-525-6285
    • Experian, Experian.com, 1-888-397-3742
    • TransUnion, TransUnion.com, 1-800-680-7289
  • Continue to pay your taxes and file your tax return, even if you must do so by paper.
  • More information about tax identity theft is available from the FTC at ftc.gov/taxi theft and the IRS at irs.gov/identity theft.

Capital Bank opened for business in Vineland in 2007.  Currently, it has four locations—two in Vineland, one in Woodbury Heights, and one in Hammonton. Capital Bank lends money to businesses and individuals throughout South Jersey, is an Approved SBA Lender and a New Jersey EDA Premier Lender. It is also 5-Star rated by BauerFinancial (BauerFinancial.com). For more information about Capital Bank, visit capitalbanknj.com.

Security and Risk Complaints Online on Protection from Becoming a Victim of Fraud

Remember, your financial information is at risk all the time. Fraudsters will always come up of new intricate ways to trick you from giving credit card details. Here are some advices to protect yourself from scammers.

Shred any receipts or papers with a credit card details on it.

Fraudsters can be dumpster divers, which mean, they can use tossed rubbishes to obtain financial information from you. For this reason, it is best to shred receipts and bank statements before dumping them in the trash.

Keep your PIN private

Do not use the same PIN code on all your cards and avoid using personal information such as your birthdate in your PIN code. If you are going to withdraw, cover up your PIN number when typing and be wary of your surroundings. It is also not advisable to write your PIN number on a piece of paper.

Phone passwords

Passwords must be protected on a high level. If you use the same password on all your accounts, it is time to change it. Change the password on all your accounts and cards as it makes it easy for a fraudster to access all your accounts if all of them have the same passcodes.

Moreover, do not save your passwords on your computer and as much as possible, set a security pin on your mobile phone and computers to avoid unauthorized people from accessing sensitive information inside your device.

Phone calls from your bank

Do not let your guard down especially when you are in a public place or in an internet shop doing online banking. And if you are talking to your bank, do it in a secure and private place where no one can hear any banking details about your transaction.

One of the scam tricks fraudsters do is by trying to lure you using phone calls. They may pretend that they are from the bank and asking you to provide banking details. If this happens, don’t be afraid to ask questions and verify their identity first before providing any important information.

Viruses

To protect your computer from malicious software and spyware, install anti-virus software and make sure to keep it running and updated especially when you are online.

Emails

Beware of suspicious emails. Fraudsters use electronic mailing to trick their victims into giving financial details. They usually pretend to be from your bank and will request that you confirm your banking details. If an incident like this happens, don’t provide information and don’t click any suspicious links in the email as it may contain malware that can steal data from your computer. Remember that a bank will never send an email to threaten you or will request any financial details of you.

Online transactions

Do not trust websites easily especially if you are making online transactions. Do not give away personal and financial details unless that site is reputable.

Security and Risk Online on Amazon Opens Data Centers to Boost U.K. Cloud Services

(Bloomberg) — Amazon Web Services, the cloud-hosting arm of Amazon.com Inc., opened new data centers in the U.K. as it seeks to stay abreast of competitors in offering cloud computing services to government and health-care customers.

The new data centers, announced in a statement on Wednesday, follow decisions by IBM and Microsoft Corp. in the past two months to expand their cloud computing infrastructure in the U.K.

The U.K. data region, which comprises two zones, each consisting of multiple data centers, is the 16th Amazon Web Services operates worldwide and it’s third in Europe. A fourth in France has already been announced and will open next year.

Governments are increasingly moving computing functions into the cloud. But they are often required for regulatory and security purposes to hold data within their national borders. The same applies for sensitive health-care information. Meeting these demands is one reason cloud providers are rushing to open more data centers around the globe.

“This is a great enabler for data that has to remain in the U.K., like health-care,” Chris Hayman, who manages Amazon Web Services’ British government accounts, said in an interview.

Liam Maxwell, the U.K.’s national technology adviser, said in a statement that the government had saved 3.5 billion pounds ($4.4 billion) so far by choosing to host data in the cloud rather than on its own servers.

Financial-service firms are also often concerned with minimizing the time it takes to connect to trading venues, another reason to expand in the U.K., said Teresa Carlson, vice president for worldwide public sector operations for Amazon Web Services. “The U.K. is a really important part of the world, being a center of the financial industry,” she said.

The decision to build new data centers in the U.K. predates the country’s June vote to leave the European Union, Carlson said. But giving customers the ability to store data in the U.K. has taken on increased importance since the Brexit vote as clients worry about whether British data privacy rules will diverge from European standards. “Now, whether the U.K. is in Europe or not, they have their own region,” she said.

Amazon Web Services declined to specify exactly how many facilities it operates in the country, how many people will be employed or how much money it will invest.

Karen Bradley, U.K. Secretary of State for Culture, Media and Sport, said in a statement that Amazon’s action “is a strong endorsement of our approach to the digital economy” and “shows a clear confidence in the U.K. being open for business and one of the best places in the world for technology companies to invest in and grow.”

New Mothers Support Group Singapore: Sensory Play & Art at Tanderra

Recognized as a fundamental element to early development, sensory play and art sessions at Tanderra are a fun way for your child to be engaged and messy in a safe, child focused environment.

Facilitated by qualified early childhood educators, sessions include water, paint, sand and more, and offer children an opportunity to stimulate their senses as they discover and explore the world around them.

This event will take place on the 1st Friday of every month.

Ages: 6 months to 3 years

Time: 9.30am to 11.00am

Cost: $15/child (includes tea/coffee for mum)

Please register for this event via the NMSG Meetup group

New Mothers Support Group Singapore looks forward to seeing you there.

Location: Art Pegola @ Tanderra, Block 73 Loewen Road, #01­21, Singapore 248843 www.tanderrasingapore.com

Dates 2016

Friday 2 September

Friday 7 October

Friday 4 November

Friday 2 December

Organizer

Nicole O’Connor

Moss Adams: Financial Statements

We focus on the areas of greatest risk to your business to deliver solutions tailored to you and the users of your financial statements.

TARGETED APPROACH, TIMELY SERVICE

Depending on the needs of your financial statement users, you may need to report under different sets of standards or provide varying levels of detail. Regardless of your requirements now or in the future, we can scale our audit solutions to meet your needs.

What’s more, with Moss Adams you’ll benefit from a customized, risk-based approach that emphasizes timely communication and coordination of activities. With dedicated and ongoing involvement from our senior-level professionals, your audit, review, or compilation will be planned and executed by an experienced team that understands your industry.

Our emphasis on tailoring an integrated audit to focus on areas of significant risks allows us to complete your engagement in an efficient and effective manner that reduces time spent on post-audit procedures and wrap-up. This approach helps us:

  • Plan the engagement based on a thorough understanding of your business risks and transactions
  • Communicate and coordinate activities with management and the audit committee based on an agreed-upon timeline
  • Conduct continuous audit procedures to increase efficiency and reduce the burden on your personnel at year-end
  • Work with management to resolve any complex accounting or reporting issues as early as possible in the audit process
  • Provide recommendations to management of areas for improvement

We provide financial statement assurance solutions in the following areas:

  • IFRS
  • Outsourced accounting
  • Reviews and compilations
  • SEC audits

 

Lease Accounting Report

New guidelines from the Financial Accounting Standards Board (FASB) require lessees to recognize most leases on their balance sheet through a right-of-use (ROU) asset and corresponding lease liability.

This report gives details and examples to help you implement the new guidance, identify leases, distinguish operating leases from finance leases, and more.

The Hay Group Singapore on Pharma deals don’t have to threaten innovation

In pharma, the big story of the spring and summer has been M&A. The drama began in April with an asset swap between GSK and Novartis. The most recent headline grabbers have been inversion deals like AbbVie’s $54 billion acquisition of Shire.

All this deal activity is a potential threat to innovation. Why? During a deal, it’s easy to overlook the intangible drivers of development: people and culture.

Deal mania makes it easy to forget that people and the way they work together are the main drivers of innovation. Drug development is a team sport, and the way the players interact is a major factor in achieving success. Too often, deals break up environments that have made innovation possible.

M&A integrations also create atmospheres of anxiety within a company that dampen R&D productivity. When layoffs occur—or wind of them blows through an organization—people focus less on their jobs and more on job security. The threats to innovation don’t end there:

  • R&D budgets shrink, jobs are cut and research projects dry up.
  • Researchers have to adjust to a new team and a new work environment.
  • When two distinct research cultures merge, it can destroy delicate ‘ecosystems’ of climate and culture that support scientific discovery.

Integration doesn’t have to harm innovation. But you have to stay focused on people.

So with our most recent white paper “Keep your innovation from walking out the door” we want to share three key people strategies to keep innovation rolling.

Source: http://blog.haygroup.com/