Citizens Advice: Cars and mobile phones cause most problems for consumers

first_img Lauren Fedor Share Citizens Advice: Cars and mobile phones cause most problems for consumers by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikeMoneyPailShe Was A Star, Now She Works In ScottsdaleMoneyPailSwift VerdictChrissy Metz, 39, Shows Off Massive Weight Loss In Fierce New PhotoSwift VerdictPost FunKate & Meghan Are Very Different Mothers, These Photos Prove ItPost FunMaternity WeekA Letter From The Devil Written By A Possessed Nun In 1676 Has Been TranslatedMaternity WeekEquity MirrorThey Drained Niagara Falls — They Weren’t Prepared For This Sickening DiscoveryEquity MirrorGameday NewsNBA Wife Turns Heads Wherever She GoesGameday Newszenherald.comMeghan Markle Changed This Major Detail On Archies Birth Certificatezenherald.comTheFashionBallAlica Schmidt Is The Most Beautiful Athlete To ExistTheFashionBallOpulent ExpressHer Quadruplets Were Born Without A Hitch. Then Doctors Realized SomethingOpulent Express whatsapp If you’re fed up with your mobile phone provider, you’re not alone, according to a new report from the Citizens Advice charity, which found that more than 21,000 people filed formal complaints about their mobile phone contracts last year – with one in four griping about substandard service or a particularly poor signal.The only issue more pressing than mobile phones was second-hand cars from independent dealers, Citizens Advice said. More than 50,000 people complained about faulty cars between July 2014 and June of this year. Other causes for concern? The charity also heard more than 10,000 complaints about car servicing and repairs, and reported over 9,000 cases of problems with domestic buildng work and upholstered furniture.Commenting on the results, Citizens Advice chief executive Gillian Guy said: “Consumers should feel in the driving seat when things go wrong.”“Whether dealing with a faulty second-hand car or a problem with their mobile phone, it is important people have the information they need to stand up for their consumer rights,” she added. center_img whatsapp Show Comments ▼ Wednesday 2 September 2015 1:55 pm More From Our Partners Killer drone ‘hunted down a human target’ without being told tonypost.comAstounding Fossil Discovery in California After Man Looks Closelygoodnewsnetwork.orgMatt Gaetz swindled by ‘malicious actors’ in $155K boat sale boondogglenypost.comBrave 7-Year-old Boy Swims an Hour to Rescue His Dad and Little Sistergoodnewsnetwork.orgSupermodel Anne Vyalitsyna claims income drop, pushes for child supportnypost.comI blew off Adam Sandler 22 years ago — and it’s my biggest regretnypost.comFlorida woman allegedly crashes children’s birthday party, rapes teennypost.com980-foot skyscraper sways in China, prompting panic and evacuationsnypost.comConnecticut man dies after crashing Harley into live bearnypost.comWhy people are finding dryer sheets in their mailboxesnypost.comRussell Wilson, AOC among many voicing support for Naomi Osakacbsnews.comPolice Capture Elusive Tiger Poacher After 20 Years of Pursuing the Huntergoodnewsnetwork.orgWhite House Again Downplays Fourth Possible Coronvirus Checkvaluewalk.com‘The Love Boat’ captain Gavin MacLeod dies at 90nypost.comInstitutional Investors Turn To Options to Bet Against AMCvaluewalk.comKamala Harris keeps list of reporters who don’t ‘understand’ her: reportnypost.comNative American Tribe Gets Back Sacred Island Taken 160 Years Agogoodnewsnetwork.orgBiden received funds from top Russia lobbyist before Nord Stream 2 giveawaynypost.com Tags: NULLlast_img read more

News / Alert on cyber criminals that go phishing and then reel in shipping firm victims

first_imgBy Gavin van Marle 13/04/2015 Spam and ‘phishing’ emails are perpetually on the rise throughout the online universe, and the freight and shipping sector is no exception.According to new research from CyberKeel, a maritime cyber security consultancy, 18 of the world’s largest 20 container carriers are vulnerable to a particular type of internet fraud known as “clickjacking”, which has become very popular amongst cyber criminals setting up fake websites to steal bank details.Lars Jensen, CyberKeel chief executive told The Loadstar: “There’s not a tool you can put in place to stop people clicking the wrong links.“There are, however, some simple tools carriers can use to make it more difficult for fake versions of their websites to be created and reduce the risks for their customers, but technically this type of cybercrime is actually an attack upon shippers.Typically, a fraudster creates a fake version of a website a shipper arrives at via a phishing email, and once a username and password have been entered and recorded, the visitor is redirected to the genuine website and continues their business oblivious that these details have been stolen.“A few months later there is suddenly an invoice, for say, five containers booked from X to Y, that they have never heard off,” Mr Jensen said.He added that there were no credible statistics to indicate how widely this type of cybercrime had perpetrated the container shipping industry, “but it’s a method widely used in other fields, especially banking”.Additionally, Israeli specialist Clearsky Cyber Security, which partners CyberKeel, this month uncovered a “large scale campaign” to impersonate shipping and banking websites, to which a New Zealand shipping company had fallen victim.Mr Jensen continued: “Container carriers typically spend significant resources verifying the identity of a shipper before he is allowed to use the full suite of e-commerce tools. This is only natural, as such access typically results in the ability to book cargo, amend shipment information as well as submit information related to bills of lading and other freight documentation.“It is therefore of significant concern to both carriers and shippers that relatively simple types of attack can compromise such access. Unauthorised access can, at worst, be used to steal detailed shipment information, arrange transportation for illicit cargo, make fraudulent amendments to freight documents and steal the cargo itself.”The same research discovered that every one of the 11 maritime news sites it surveyed were vulnerable to the same risk.As Mr Jensen noted, websites can prevent clickjacking by “using slight technical changes in their website setup”, such as using a frame-breaking functionality which can stop fraudsters framing the genuine site.Of course, clickjacking is just one type of cyber threat to the shipping industry – a comprehensive list of other threats, how they operate and recent examples of how they have afflicted shipping can be found in a CyberKeel white paper, which found last October that 37 out of the 50 largest container shipping companies were vulnerable to what it called “relatively simple penetration attacks”.last_img read more

The opioid epidemic is skyrocketing private insurance costs

first_imgFirst OpinionThe opioid epidemic is skyrocketing private insurance costs About the Author Reprints Related: The opioid epidemic has caused thousands of deaths, broken apart countless families, and endangered untold babies and children. It’s also taking a heavy economic toll.Private insurance is footing a large part of the bill for the opioid epidemic. But much of the existing information on private insurance costs has been limited, either because it didn’t include a large enough sample of private insurers or because it didn’t delve deeply enough into the specific services and price tags.My organization, FAIR Health, owns and continuously updates a database of more than 21 billion claims from privately insured individuals. In a recent white paper, we analyzed the rising ocean of privately billed claims associated with opioid abuse, dependence, and overdoses. Since then, we’ve launched a glass-bottom boat on that ocean to further explore key issues such as the costs of treating the rising population of patients receiving opioid-related diagnoses and the specific services that contribute most to those costs. Here are a few highlights from our latest report, titled “The Impact of the Opioid Crisis on the Healthcare System.”advertisement By Robin Gelburd Sept. 26, 2016 Reprints Robin Gelburd @FAIRHealth 26 overdoses in just hours: Inside a community on the front lines of the opioid epidemic Our analyses revealed some significant differences between charges for individuals with opioid abuse and those for individuals with opioid dependence. Opioid abuse, generally considered to be a less-severe problem than opioid dependence, requires only one symptom in a year for a diagnosis (such as continued opioid use despite recurrent social problems caused or worsened by opioids), while opioid dependence requires three or more symptoms in a year. Between 2011 and 2014, emergency room visits were the costliest charges for patients with opioid abuse. Among patients with opioid dependence, who are more likely to be treated in substance abuse programs than in emergency departments, drug screening tests (which are common in substance abuse treatment programs) were the costliest charges.center_img Charges for services associated with opioid abuse and dependence diagnoses vary widely across the nation, from an average per-service charge of $45 in Rhode Island to $263 in Iowa. At least part of the difference is that, in the states with lower charges, the most common services are less expensive ones, such as methadone administration. In the states with higher charges, the most common services are more expensive ones, such as office visits, drug screens, and naloxone.The increase in services for patients with opioid abuse or dependence diagnoses and the burgeoning cost for them affects our entire society and will likely require responses on various fronts. Medical schools, for example, may need to adjust their curricula to provide future physicians with the skills needed to prevent, recognize, and treat opioid abuse and dependence. Insurers may need to diversify or increase the number of providers in their networks to ensure sufficient access to treatment for opioid abuse and dependence.The findings in our new white paper will, we hope, help insurers, providers, legislators, educators, and policymakers make the best decisions possible.Robin Gelburd is president of FAIR Health, a national, independent nonprofit organization dedicated to bringing transparency to health care costs and health insurance information.FAIR Health breakdown of the costs of the opioid crisisFair Health [email protected] Aggregated across the nation, professional charges for services for patients with diagnoses of opioid abuse or dependence rose more than tenfold from 2011 ($72 million) to 2015 ($722 million). We estimated that allowed amounts (the maximum amount an insurer will pay for a covered health care service) grew more than thirteenfold during the same period, from $32 million in 2011 to $446 million in 2015. (A summary infographic of the findings is below.)Treating opioid abuse and dependence is expensive. In 2015, the average annual per-patient charges and estimated allowed amounts were more than five times higher for patients with diagnoses of opioid abuse or dependence than for those with any diagnosis. On average, private insurers and employers providing self-funded plans paid nearly $16,000 more per patient for those with diagnoses of opioid abuse or dependence than for those with any diagnosis.advertisement Among patients with opioid dependence, drug screening tests are the costliest health care charges. Kelley McCall/AP Related: Secret trove reveals bold ‘crusade’ to make OxyContin a blockbuster Tags health care costsmedical costsopioidslast_img read more

FSB consults on principles for risk appetite framework

Translating climate risks into financial risks takes work James Langton Facebook LinkedIn Twitter Related news How should banks allocate capital for crypto? Keywords Banking industryCompanies Financial Stability Board The Financial Stability Board (FSB) is proposing a set of principles to guide financial firms, and their regulators, in calibrating firms’ willingness to take on risk. The FSB launched a public consultation Wednesday on draft principles for establishing an effective ‘risk appetite framework’, which it calls the foundation of good risk management. “A firm’s risk appetite represents the aggregate level and types of risk a firm is willing to assume… to achieve its strategic objectives and business plan, and this should be set out in written form in a risk appetite statement,” it says. OSFI seeks to step up sector’s cyber resilience Share this article and your comments with peers on social media These risk appetite statements should then, in turn, be linked to firms’ short- and long-term strategic, capital and financial plans, and their compensation practices, the FSB notes. And, it says that they should assess firms’ material risks under both normal and stressed market and macroeconomic conditions, and set clear boundaries by establishing quantitative limits and qualitative statements for risks that are difficult to measure. “Changes to the financial and regulatory environment underscore the importance for firms to be able to make well-informed and forward-looking strategic decisions that can affect their ability to manage risk prudently and to remain profitable over time. Defining, measuring, monitoring, and articulating a clearly defined risk appetite for the firm is critical to guiding those strategic decisions,” said Julie Dickson, superintendent of the Office of the Superintendent of Financial Institutions (OSFI) and chair of the FSB Supervisory Intensity and Effectiveness Group. The FSB says that its proposed principles will enhance supervisory oversight of firms, particularly systemically important financial institutions, by establishing minimum expectations for the key elements contained in an effective risk appetite framework. They also aim to establish a common terminology to improve understanding between regulators and firms, and to narrow any gaps between supervisory expectations and firms’ practices. Comments on the proposals are due by September 30. read more

Recognize financial planning as a profession, panel says

first_img “We just need to modernize our regulation to reflect the fact that people just aren’t practicing in a narrow scope,” said John Wilkinson, president and CEO of Stratford, Ont.-based Wilkinson Insight Inc. The way to modernize financial services regulation, according to panelists, is to create a self-regulatory profession. “The easy solution is to carve [financial planning] out,” said Cary List, president and CEO of the Toronto-based Financial Planning Standards Council (FPSC). “Establish financial planning and planners as a profession to the extent that it’s simply codifying in law what already exists to a large extent in practice between the standard established by the FPSC in nine provinces and IQPF [Institut Québécois de Planification Financière] in Quebec.” As such, because there is already a financial planning standard in place through the FPSC and its partners in the Coalition for Professional Standards for Financial Planners (including IQPF, the Canadian Institute for Financial Planners and the Institute for Advanced Financial Planners), there will be no need to create new requirements for each province or to change the role of existing regulators. “Let’s not turn this into a big deal trying to wipe out what’s already out there in terms of standards and reinvent the wheel,” he said. Quebec is currently the only province that regulates financial planners. Short of statutory recognition, however, firms and SROs can do more to clarify for consumers exactly who qualifies as a financial planner. The Toronto-based Investment Industry Regulatory Organization’s (IIROC) recent release of guidance on titles and designations is helpful, according to List, but the FPSC would like to see SROs and individual firms become stricter with advisor’s regarding the title’s placed on their business cards. “We’d love to see firms through the SRO regulations tighten up their own use of titles and designations in a more meaningful way,” said List. “We’d love to see IIROC actually get a little aggressive on that.” Fiona Collie Share this article and your comments with peers on social media CFP exam candidates recognized for top achievement To meet the needs of today’s consumers, the current financial regulatory framework doesn’t need to be completely thrown out and revamped, it simply needs to be updated to recognize financial planning as a profession. That’s according to panelists at a Toronto Region Board of Trade event on Tuesday. Latest CFP exam sitting had 72% overall pass rate New philanthropy designation available for Advocis members Related news Facebook LinkedIn Twitter Keywords Designations,  Professions last_img read more

Trade tensions could dampen global growth outlook: Moody’s

first_img Share this article and your comments with peers on social media Economy lost 68,000 jobs in May Stagflation is U.S. economists’ biggest fear, SIFMA says Digital design economic Stock market chart bluebay/123RF Global economic growth is expected to be strong this year, but the prospect of a trade war represents an emerging downside risk, says Moody’s Investors Service in a new report.With favourable financial conditions, and a positive outlook for both consumer and business sentiment, economic growth is expected to “hit a high water mark in 2018”, the report says. However, if “trade tensions boil over … they would pose risk to the otherwise positive growth outlook,” the report warns. The recent introduction of higher U.S. tariffs heightens the potential for increasing global trade tensions, it says.“We expect global economic momentum over the next year or so to remain quite high. But 2018 will likely be a peak year for growth. Rising inflation will call for tighter monetary policy, and this will then moderate growth, bringing it closer to the long term trend,” says Madhavi Bokil, vice president and senior analyst at Moody’s, in a statement.At the same time, Moody’s also sees an upside for growth due to emerging technologies, such as artificial intelligence (AI), which are increasingly being utilized by mainstream companies to enhance customer service and improve efficiency.“From a credit perspectivethe question is less about a particular aspect of AI per se, but the extent to which firms have the financial capacity to invest in the technology and implement a strategic vision that helps them stay competitive,” says Robard Williams, senior vice president at Moody’s, in a statement. Related news Facebook LinkedIn Twitter Keywords Economic forecasts OECD raises outlook for Canadian economic growth this year James Langton last_img read more

St. Elizabeth SDC Working to Keep Communities Safe

first_imgFacebookTwitterWhatsAppEmail The Social Development Commission (SDC) in St. Elizabeth is working in partnership with the police to keep communities safe, and expand trust and good relations between the security forces and the citizens in the parish.During an address at a recent St. Elizabeth Homecoming Foundation crime forum held at the Black River HEART Trust/NTA Academy, Regional Director of the SDC, Cynthia Hill, told the gathering that the move to focus on community safety came out of an initiative with the Jamaica Constabulary Force (JCF) to work towards a strategic approach for community security, where they will seek to integrate community policing within the governance and planning systems at the community level.“This initiative creates the space for community members to actively participate in the process of problem solving, postulates an expanded look on crime control and prevention. It seeks to create an environment which fosters a reduction in poverty, enhances security, and it is being implemented in our region, Clarendon, Manchester and St. Elizabeth, with funding from the UNDP (United Nations Development Programme) and the USAID (United States Agency for International Development),” Mrs. Hill stated.Communities that the have seen implementation of the programme ARE: Caanan Heights and Mineral Heights, in Clarendon, Comfort and Green Vale, in Manchester; and Logwood and Burnt Ground, in St. Elizabeth. Two meetings have been held with the police and citizens in Black River and Santa Cruz, and a stakeholder’s consultation will take place in early January, to sensitize the residents of benefits under the initiative.“The Social Development Commission stands ready to partner with, or give support to entities that have a vested interest in supporting communities in their quest to improve the quality of life for all citizens, especially when our security and safety are threatened by a few in the society,” she said. Advertisements St. Elizabeth SDC Working to Keep Communities Safe UncategorizedDecember 1, 2008 RelatedSt. Elizabeth SDC Working to Keep Communities Safecenter_img RelatedSt. Elizabeth SDC Working to Keep Communities Safe RelatedSt. Elizabeth SDC Working to Keep Communities Safelast_img read more

Mayor Warns Against Ignoring Building Regulations

first_imgAdvertisements RelatedMayor Warns Against Ignoring Building Regulations RelatedMayor Warns Against Ignoring Building Regulations Mayor Warns Against Ignoring Building Regulations Local GovernmentFebruary 4, 2009center_img RelatedMayor Warns Against Ignoring Building Regulations FacebookTwitterWhatsAppEmail Government Senator Desmond McKenzie, has warned of increased activity within local authorities to ensure that building regulations are observed and the fees paid.“There is going to be war between the local authorities and those persons who continue to circumvent the law and continue to show little or no respect for local authorities,” the Senator warned.Senator McKenzie, who is also the Mayor of Kingston, was speaking in the Senate’s State of the Nation Debate at Gordon House on Jan. 30.He said that the state was losing billions of dollars annually, and lives and property were endangered by the failure of developers, and householders, to seek approval of building plans and pay the requisite fees before construction.“That is why we are suffering when rain falls in this city. It is not because the drains are not clean, it is not because the infrastructure is old, it is because we are building in areas where we shouldn’t be building houses and the developers ignore the local authorities,” Senator McKenzie said.“This has created some serious problems for the local authorities. Parish Councils are affected, when developers start construction without first obtaining the requisite approval,” he pointed out.“It is fair to say, without fear of contradiction, that seven out of ten constructions that take place within our capital city have no approval from the Kingston and St. Andrew Corporation (KSAC),” he added.Senator McKenzie said that the law requires that a building application be made to the Parish Council for approval, if a developer or a householder wishes to make an addition to an existing building or construct new buildings.“A lot of people ignore the Parish Councils, because they feel that the Councils are insignificant and persons who work within the Councils have no sense. That is the impression in many cases, with how people respond to the obligations that the Councils have to discharge,” he stated.last_img read more

UNESCO and Zanzibar to cooperate in rehabilitation of Stone Town of Zanzibar World Heritage property

first_imgUNESCO and Zanzibar to cooperate in rehabilitation of Stone Town of Zanzibar World Heritage property Dar es Salaam, United Republic of Tanzania, 13 January–During a meeting yesterday, Dr. Hussein Ali Mwinyi, President of Zanzibar, and Tirso Dos Santos, Head of the UNESCO Office in Dar es Salaam and UNESCO Representative to the United Republic of Tanzania, reviewed emergency response measures following the collapse on 25 December 2020 of the Beit-al-Ajaib historic building, also known as the House of Wonders, in the Stone Town of Zanzibar World Heritage property.The House of Wonders is an emblematic edifice of the Stone Town of Zanzibar, and a central component of the of the World Heritage site, which was inscribed on UNESCO’s World Heritage List in 2000.During the meeting, Mr Dos Santos conveyed the commitment of UNESCO Director-General Audrey Azoulay to support the United Republic of Tanzania in assessing the damage to the building and developing a road-map for its rehabilitation, and for the continued conservation of the Stone Town of Zanzibar World Heritage property as a whole.It was agreed that starting this month, UNESCO, in partnership with the World Monuments Fund, and the Global Heritage Fund, will send three technical missions to assess the extent of the damage of the House of Wonders and establish a road map towards its rehabilitation. The first mission will comprise experts from the University of Cape Town (Zamani Project) to carry out a 3D collection of data concerning the structure of the building to inform its rehabilitation. A team of four architectects and structural engineers will follow, to carry out an on-site assessment of structural damage. The third mission will be advisory in nature and will assess the state of conservaton of the entire World Heritage property and recommend a road map for emergency safeguarding measures and long-term conservation and management needs. This mission will be carried out by representatives of the UNESCO World Heritage Centre and the Advisory Bodies to the World Heritage Committee: the International Council on Monuments and Sites (ICOMOS) and the International Centre for the Study of the Preservation and Restoration of Cultural Property (ICCROM).“Following these emergency assessment missions, UNESCO will continue to work closely with the Revolutionary Government of Zanzibar, the Sultanate of Oman and other partners, to ensure the restoration of the House of Wonders and the safeguarding of the Stone Town of Zanzibar World Heritage site,” said Mr Dos Santos at the end of his meeting with the President.During the meeting UNESCO’s Representative also presented the Organization’s condolences to the families of the two victims who lost their lives in the collapse of the House of Wonders, and best wishes for a speedy recovery to those who were injured.The Stone Town of Zanzibar is an outstanding example of the Swahili coastal trading towns of East Africa. Stone Town embodies the harmonious cultural fusion of disparate elements of the cultures of Africa, the Arab region, India, and Europe over more than a millennium. The House of Wonders, a large ceremonial palace built by Sultan Barghash, is one of the town’s 18 th and 19th century landmarks. /Public Release. This material comes from the originating organization and may be of a point-in-time nature, edited for clarity, style and length. View in full here. Why?Well, unlike many news organisations, we have no sponsors, no corporate or ideological interests. We don’t put up a paywall – we believe in free access to information of public interest. Media ownership in Australia is one of the most concentrated in the world (Learn more). Since the trend of consolidation is and has historically been upward, fewer and fewer individuals or organizations control increasing shares of the mass media in our country. According to independent assessment, about 98% of the media sector is held by three conglomerates. This tendency is not only totally unacceptable, but also to a degree frightening). Learn more hereWe endeavour to provide the community with real-time access to true unfiltered news firsthand from primary sources. It is a bumpy road with all sorties of difficulties. We can only achieve this goal together. Our website is open to any citizen journalists and organizations who want to contribute, publish high-quality insights or send media releases to improve public access to impartial information. You and we have the right to know, learn, read, hear what and how we deem appropriate.Your support is greatly appreciated. All donations are kept completely private and confidential.Thank you in advance!Tags:Africa, building, Century, council, Dar es Salaam, Emergency, Europe, Government, monuments, President, property, Tanzania, Unesco, university, world, World Heritage Listlast_img read more

The new normal: Conflict, polarization and incivility

first_img Opportunities to reflect on the enthusiasm for political dispute and ill temper that has possessed the nation are rare enough, and opportunities to pursue these reflections in the company of two temperate, attentive and funny commentators are rarer still.Those seeking perspective on the dynamics of today’s conflict, polarization, and incivility have every reason to attend “The New Normal: Conflict, Polarization, and Incivility,” presented by Center of the American West on May 2. The event will feature Denver-based political commentator Eric Sondermann in conversation with the center’s Faculty Director Patty Limerick.If you goWho: Open to the publicWhat: “The New Normal: Conflict, Polarization, and Incivility”When: Wednesday, May 2, 6:30 p.m.Where: Eaton Humanities, room 1B50Sondermann is a high-profile political commentator, writer, pundit, civic leader, entrepreneur and consultant. A laundry list of media outlets across the state and nation regularly call upon Sondermann as a go-to source of independent political insight. Respected for his candor, his independent thinking and his ability to distinguish analysis from spin, Sondermann will take part in a conversation almost guaranteed to be lively and memorable.Sondermann and Limerick will share their distinctive impressions and understandings of our political moment, providing keen insight, as well as (now and then) opportunities for optimism.“I have long wished for the privilege of having Eric Sondermann as a partner in a sustained conversation,” Patty Limerick said, “and I am very happy that this wish is finally delivering results.”Sondermann is also a regular panelist on the weekly Colorado Inside Out program on Colorado Public Television and co-hosts the Colorado Decides political debate series. More than two decades ago, he founded the well-respected media and public affairs consulting firm SE2. In 2014, he sold his interest to his long-time business partners to devote his next chapter to these pursuits in addition to some high-level strategic consulting on a handful of public policy issues.This event is free and open to the public. For more information, visit Center of the American West online or call 303-492-4879. Published: April 27, 2018 Categories:Arts & CultureEvents & Exhibitscenter_img Share Share via TwitterShare via FacebookShare via LinkedInShare via E-maillast_img read more