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Credit Card Protection and Credit Safety Tips

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Credit Card Protection and Credit Safety Tips

Having your credit card information stolen is one of the scariest possibilities out there. If you don’t have any backup bank accounts or savings to speak of, your credit card holds the key to most of your money.

This is the case for a lot of individuals. It’s important to work on your credit safety to ensure that this information is kept in your hands alone. We’re going to look over a few credit card safety tips that you can use to prevent identity theft.

Let’s get started.

Key Tips for Credit Safety

The first thing you should do is consult with your bank about any security features that they offer. You can typically turn them on or off, and they might not activate them unless you tell them to do so. Most banks offer consumer protection options, so be sure to take advantage of them.

On the physical card itself, make sure that you sign the back of it as soon as possible. This is the first line of defense as it gives you some mark of personal ownership if the card gets into someone else’s possession.

Your bank might also be able to notify you any time there’s a kind of suspicious activity on your card. Make sure that those notifications are turned on and you get alerted whenever they occur.

Beyond that, make sure that you set up your bank account information with strong passwords that wouldn’t be easily guessed. Ensure that they’re not duplicate passwords or pins of any kind.

Even if you’ve had luck using the same passwords and pin numbers throughout all of your other logins, make sure that your bank account information is distinct from your other information.

Write it down on a piece of paper and keep it in a safe place in case you forget it.

Online Shopping Safety

A big trouble area for a lot of people is online shopping. We input our card information to shady sites and hope that nothing will happen. It’s something that we all do, especially if we’re trying to get great deals or find products for as cheap as possible.

If you can, though, do your best to only use reputable sites. If you can stick to sites that are used by massive numbers of people, you’ll reduce the chance that you’re being scammed.

Further, try to keep your payment information stored on as few websites as possible. You should be safe storing that information on websites like Amazon, but smaller sites don’t need to know your information.

If you want to maintain a sense of ease, you can store your card information on your iCloud or Google account and it will populate into areas where payment is needed.

That way, you can add your card information with a single click and you don’t have to worry about that information being stolen from unprotected sites.

Security Breaches

It isn’t always that you’re getting scammed by a website that you’re shopping on. More often, sites with little or no security get hacked and the information from users on those sites is harvested.

This can happen to massive websites just as well as it can happen to the little guys. So, it’s important to try and keep as little information on these sites as you can. If you have password and login information, make sure that you don’t have the same passwords that you use on other websites.

In particular, don’t share the same password on insecure sites as you do on your bank online bank account.

Modern bank accounts will often notify you if your information has been involved in a security breach. Further, your phone might have all of that login information stored within it. When you have your login information stored in the iCloud, for example, you will be notified when a site you use has been breached.

In that case, don’t wait to change that information. Once you get that notification, it’s important to go ahead and change your password and on those sites right away.

Monitor Your Accounts

It’s also possible that someone has your account information and is using it in small increments. One strategy that scammers use is to gather the card information and use it little by little to set the precedent for your account.

That way, the transactions might not come up as suspicious to the banks.In any case, though, these transactions will be visible on your account statements.

If you’re still using paper statements only, make sure that you set up an online account and get access to your account information online. When you have an online account set up, you can look at all of your transactions as they occur.

Further, you can get notifications whenever your card is used so that you’re aware of everything that happens in real-time. This is one of the best ways to make sure that you’re not receiving any false charges on your card.

When you do notice a charge that wasn’t your doing, make sure to call the bank, alert them of the specific transaction, and have the card turned off so that you can get a new one.

Stay on the Safe Side

There’s no harm in being overprotective of your information. If you suspect that there’s suspicious activity on your account, don’t hesitate to call your bank or have your card turned off.

There’s no harm in doing this. The harm comes when you’re actually hacked and someone takes your information. It’s best to trust your gut and be more suspicious than you have to.

All that will happen in that case is that you cancel your card without reason and get a new one a few days later. The worst thing that could happen is that someone gets your personal information and lays waste to your credit and your bank account.

Want to Learn More About Identity Theft?

Hopefully, our look at credit safety was helpful to you. The ideas above should be a good foundation for safe practices when it comes to protecting yourself online.

There’s a lot more to learn, though. We’re here to help. Explore our site for more insight into credit protection, online shopping safety, credit safety, and more.

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What To Know About Forex Trading In South Africa?

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Trading is the newest interest of individuals around the world and is loved because of its benefits. It gives a close look at the stock market and helps people make a clear decision on what stock or company to invest in. Earning money plays a crucial role in the life of individuals and thus should always be done with full knowledge and information about the same. There are online trading people that guide individuals and help them make every decision of the market after full consideration and knowing about the stocks very well. The forex trading south africa is among some of the online trading organizations that help when needed.

What is their aim?

Forex trading in south africa aims to achieve and provide the readers with the following:

  1. Transparent comparisons between brokers and helping in giving a review of the brokers in South Africa
  2. Helps people to choose the broker that best matches their needs and requirements of trading
  3. It is the best platform to help build trust between the trader and the broker, where they can decide the amount to trade on and with whom
  4. It reduces the chances of changing brokers.
  5. They set up the traders in the best possible way to start their journey.
  6. Consistent tips on education and trading are provided
  7. They are ethical and work in the same way.

Besides, it offers traders with the foreign economic calendar and comes under FSCA FPA search online, further allowing people to meet with their success and fulfill their aspirations.

How are the traders rated?

On forex trading in South Africa, brokers are reviewed and rated based on the following criteria:

  • Forex broker regulation: the regulatory entities are a deciding factor when people choose a broker and are the main focal point and other factors of trust. FSCA within South Africa oversees all the financial transactions. Besides, they are ethical and protect their clients whenever action is needed against fraudulent companies.
  • Type of broker: the most important factor to decide for traders is the operating method and requires a lot of emphases. The brokers are divided into three main categories, mainly ECN (Electronic Communication Network), MM (Market Maker), and STP (Straight Through Processing). Every broker is given a beginner rating and has set pros and cons.
  • Support for brokers: the client support enhances the overall experience of both traders and brokers and offers support on different channels both on and off the website. All traders and brokers are from different time zones, and it is important to know about the market timings.
  • Deposits and withdrawals: it is a factor that can make or break a market. The system of deposits and withdrawals is instant and is carried out very smoothly. Besides, it is broad, and the main norms followed include the use of credit and debit cards and bank transfers. All other additional methods are also rewarded, and appropriate negotiations can be conducted depending on the foreign exchange rate of various banks and as per the transactions that are sent and received to and from abroad.
  • Trading conditions of brokers are regulated: all the assets, spreads, and leverage are reviewed under the category, further giving a direct effect on either profit or loss. It is the bread and butter of every trader and should always be checked thoroughly.
  • The platform of trading: various traders use different platforms for trading where they meet all the trading standards, including MetaTrader 4, MetaTrader 5, and Ctrader are some platforms that are specially designed for trading.
  • Broker Summary: traders are provided with a user-friendly and easy way to navigate and filter various types of brokers so that they can make an informed and educated decision with a broker of their choice.

Thus, reviews of forex trading south africa are highly informative and exciting to read to conclude and to make informed decisions about the market. Further, individuals should promote and recommend these practices that benefit them and their family members where the tools of trading are highlighted and provide help in a smooth journey that is worth the time and money of all the traders.

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Tips for Good Contract Management Strategies 

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If you are looking to get into business, then you should know that there are certain strategies that you need to follow in order to ensure that you are able to manage your contracts effectively.

When you are managing your own projects, you will want to make sure that you are able to keep track of all of the different aspects of each project. In addition, you will also want to make sure that all of the different parties involved in the project are able to communicate with each other.

Regardless of whether you are using a contract management software, we are going to share with you some of the key strategies that you need to use in order to ensure that your contract management skills are at their best.

Why is contract management so important?

After ensuring the best private sector partners and suppliers were picked, massive numbers of billable legal hours have been spent to make sure that your contractual arrangements between both of you are as clear as possible. But after all this effort, you still leave your contract management to casual.

While it is constantly easy to accuse suppliers for the problems in your major contracts, if you have not been paying attention on “what good looks like”, if you have ignored to support innovation or to question lack of performance by the supplier, if you have disregarded any form of dishonest behaviour, you may as well be opening the door to failure.

 Best Management Strategies

Normally how do you set things up for best contract management? We haven ‘t got the chance to go into the entire topic of contract management but there are few clues and pointers with an aim of helping you to get started well and to successfully oversee a larger, live contract relationship.

1. Prioritize Contract Management

Do not ever consider contract management as an afterthought. Plan it into your overall strategy from the beginning of the procurement. Ensure that adequate funding is available and that appropriate resources are well elaborated right from the beginning.

Detailed Planning should be done to ensure consistency of involvement and an effective transition strategy should be in place to ensure continuity of participation if a key person decides to leave the project. This should be reinforced with the growth of a detailed Knowledge Base around the development and edition process up to, during and after the signing of the contract.

2. Develop Strong Document Storage and Sharing Facility

Develop Strong Document Storage and Sharing Facility

From the beginning of any procurement process, make sure there is a document facility that enables sharing. Pay close attention to identification of documents and versions. At the time of signing, create a conclusive library of all main documents, with inclusion of all things that are factual to this contract.

Obvious candidates are your requirements documents, the winning bidder ‘s, the bid itself, your final evaluation record, plans, logs, meeting minutes and all other physical communication so that these can be easily denoted in the future.

3. Designing of  Main Post-Contract Information

Throughout the procurement process, it is important to ensure that you get the correct level of visibility into the data you need to efficiently manage the contract, so that you can make informed decisions. For instance, open book accounting is often a duty, but equally often when you get to see the data it can be “opaque” and your actual costs and margins can become very difficult to identify.

To avoid this opacity and to make sure that there is transparency, establish clear heads-of-costs to be produced, such as any hidden overheads or cross-charges. Also ensure that the obligation is transparent to allow auditing of open-book information at reasonable intervals.

4. Carefully Consider the Designs of Your Invoice

It is always fair to point out that accuracy is equally important. Poorly designed contracts that inspire, or at the very least don’t inspire, unclear entries can cost clients a lot  of hours of wasted admin time over a long-lived contract.

There are many ways to arrange invoices so that they can be accounted for. Some of them may be better than others.

 5. Ensure Proper Management Provisions Are Involved in all Your Contracts

It is important that these requirements, processes, and tools be embedded for the duration of this contract. The level of contract management should be proportional to the complexity and scope. For instance, an outsourcing contract may warrant extensive and deeper attention, than say, a supplies agreement commodity.

There are many different types of contracts. Some are routine, some are complex, and others are very specific.

Model contracts can be important, but getting legal and procurement advisers to review them can help ensure that satisfactory tools are within them to monitor and assure “normality” while also offering measures for when things do not go in line with the plan.

Conclusion

Contracts should not be viewed as just being there to allow the start of a project, and then to refer to when things do not work out. They should be monitored, updated and maintained, adjusted to meet the changing needs and circumstances surrounding the project.

You cannot guarantee success by ignoring the 11 important tips above. But following them will help guide everyone towards pulling in the same direction. This will increase the chances of success.

 

 

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Quantum Warfare: The Next Military Move?

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Quantum Warfare

You’ve got to admit, as a species we’ve come a long way from battling out our differences with sword-drawn skirmishes and flaming arrows. And whilst modern warfare remains just as tragic and gruesome, advances in technology have seen us move on from hand-to-hand combat to instead adopt weapons of mass destruction that are chemical, nukes or biological weapons. However, in today’s threat landscape, it’s possible to cause a similar level of catastrophic damage with just a few lines of computer code aimed at the right targets.

Using code to technologically threaten government bodies, nations and their citizens, otherwise known as cyber warfare, has become a more prevailing threat in recent years. Since 2009, there have been almost 500 documented geopolitical cyber attacks across the world. With China and Russia taking the top spot as by far the biggest actors on the scene, with almost 35% of global attacks originating in either country. There have even been 79 confirmed attacks on national governments that have originated in China, and 75 in Russia.

And, when you consider that it’s these same hackers that were behind the recent Kaseya attack which affected around 1,500 businesses with attackers asking for a whopping $70 million in ransom, you’ve got to ask yourself: is it only a matter of time before the attacks get bigger and cause more damage? In other words, what happens when one country has the technology to dominate all other technologies?

Knowledge Really Is Power!

Nowadays, maintaining an information advantage is as important as having access to more weapons and more people fighting on the ground, if not more so. To keep the upper hand against your enemies you’ve got to have more knowledge and the ability to quickly, securely and safely share that knowledge with the necessary military teams.

We’re entering a new age of warfare. One that uses cutting-edge technologies with more proprietary capabilities to prevent the enemy from penetrating or disrupting hybrid networks. But (and it’s a big but), as mentioned earlier, being able to securely communicate data between your pieces of cutting-edge technology is the key to mastering this new age where data is increasingly being used as a new weapons system.

Access to data needs to be automated, interconnected and interoperable across multiple global domains. What that looks like is machine-to-machine connectivity, as well as human-to-human and human-to-machine interfaces. As you can imagine, the scale and security architecture required to match this is enormous.

Sounds Like A Job For Quantum Tech!

Digital transformation has underpinned some of the world’s greatest technological leaps of the last 20 years, with the next big leap being quantum! Experts at Google and IBM are predicting that we are likely to see quantum computers become a reality in a matter of five to ten years. Experiments with Google’s Sycamore computer have already proven that it’s entirely possible, and IBM is working towards making a stable quantum computer capable of handling more than 1,000 qubits by 2023 (that’s only two years away)!

While advancements in quantum computing are all very exciting, when it comes to cyber warfare it could spell disaster if it lands in the wrong hands. But in the right hands, quantum technology could (and is) influencing the military environment.

Revolutionising Warfare With Quantum

We’re already seeing plans to use quantum to level up the military. The Joint All-Domain Command and Control (JADC2) is a concept from the US Department of Defense (DOD) that’s set to revolutionise the military’s command and control (C2) infrastructure by establishing a combined network to connect all of the military services. Yes, all. So that means the Air Force, Marine Corps, Navy and even the Space Force will be connected into a single network. The network will include sensors, data sources and cloud infrastructure, that’s software enabled and shared via wireless network connectivity. For the first time ever, military factions will be able to deliver collective, real-time decision making across land, air, sea AND space. Decisions will be made within hours or minutes, if not seconds compared to today’s multi-day processes. It’s pretty impressive when you think about it.

So, where does quantum come in? Well, to be able to pull off a connected network of this scale, you’ve got to be sure that no one is going to infiltrate the cloud-based system. And that requires a dynamic security solution that’s got a cloud-friendly model and is capable of operating at hyper-scale.

As you can imagine, the answer cannot be an off the rack conventional or commercial solution that relies on Public Key Infrastructure (PKI). It’s got to be quantum. What is needed is a way to extend the Symmetric Key distribution zone to meet the new paradigm within JADC2.

Luckily, quantum company Arqit has come up with a clever solution they like to call QuantumCloud which provides a highly scalable cloud-based method that addresses the shortcomings of PKI and delivers the right sort of protection against both current cyber and future quantum attacks. It does this by creating an unlimited number of symmetric keys that are computationally secure, zero-trust and one-time across any device anywhere in the world making it ideal for the military! With QuantumCloud security, I can see how the JADC2 vision will come to life and change the face of modern warfare forever.

Sources:

https://sgp.fas.org/crs/natsec/IF11493.pdf

https://arqit-res.cloudinary.com/image/upload/v1622489595/WhitePapers/Quantum_Warfare_and_the_21st_Century_Battlespace_qrp0el.pdf

Cyberwarfare statistics: A decade of geopolitical attacks

https://www.csis.org/programs/strategic-technologies-program/significant-cyber-incidents

 

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