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  • How to Protect Your Business From a Cyber Attack

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    What is your chief worry when it comes to business?

    Ask any business owner and it is VERY likely that you will get the same response: cyber attacks!

    Cyber attacks consistently remain the primary concern of most company owners.

    And there is good reason for that.

    Contemporary research concluded that in 2018 there were triple the amount of medical industry computer data breaches in the medical industry than the previous year, with more than 15 million medical records exposed!

    An independent 2019 inquiry led researchers to these findings: there were 1,200-plus data breaches leaving 440 million personal data exposed!

    But of all the studies, this conclusion resonates loudest among the average business owner. Fifty-eight percent of the total amount of 2018 cyber attacks were aimed at small business corporations. Swallow that statistic along with another one: data breach recovery expenses averaged about $385,000. all Perhaps most noteworthy is the same year’s Data Breach Investigations Report conducted by Verizon: 58 percent of all cyber attacks were directed towards small business, with recovery costs at an average of close to $385,000.

    What can a company – large, small or medium-sized – do to shield itself from becoming the target of a cyber attack? Aside from technical and learned safety tactics, a related insurance policy can be the catalyst of assistance to climb out of the mess created by hackers – with the coverage paying for associated losses.

    Here are just a couple of associated claims examples that prove the point.

    Two Data Breach Insurance Claim Scenarios

    Ransomware Coverage

    An employee working in one of the departments of a global agency accidentally opened an email that exposed the business computer system to a virus, possibly impacting up to six hundred and sixty servers all around the world.

    The agency chartered a global IT forensics enterprise to deal with the misfortune. This included getting the ransom amount that the hacker demanded, negotiating with the criminals and completing a forensic investigation.

    After the IT forensics team got the hackers to go down from the first ransom demand of $540,0000 to $450,000, insurance coverage stepped in, paying the ransom, allowing the decrypting to move forward.

    Negligence Coverage:

    A patient was livid when she discovered a nurse employed at the doctor’s practice where she had been treated exposed her medical records. She accused the nurse of passing on her private medical records as well as her personal data to other people. Adding insult to injury, said the patient, was that the nurse altered the records to include false information meant to humiliate her.

    The doctor’s office issued a statement that there is a standing policy of not allowing access and disclosure of patient information. Nonetheless, the nurse had crossed the lines of professional creed set down by the medical practice.

    The matter was resolved by a 5 digit out-of-court settlement which the insurance company covered.

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    Source by M Wyzanski

    Views: 0

  • Healing At Home

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    Healing at home is something everyone can do and is really easy once you understand and know what you are doing. There are many different methods you can use, as it is not all one set in stone process that works for everyone. I am going to give you some areas to start with today to get you on your own healing pathway in life. These are easy things to do that almost anyone can do right after they finish reading the article!

    Affirmation Healing: This is one that is very simple and extremely easy to do. You simply work with positive affirmations to shift your subconscious programming to a positive mind-set. This takes about 21 days for one to shift here, however in the grand scheme of things 21 days is a drop in the bucket. You want to work with positive wording as well for your affirmations and in the present tense. For example, you can say “I am worthy of love” if you are working on a self-love issue or receive loving from others. It is about forming it in a positive mind-set and present tense. Repeat daily (3 times a day) for 21 days.

    Prayer Healing: Prayer healing is simply working with prayers to boost the energy flow for your healing work. Simple enough right? It is a combination of prayer work and asking for healing help for a particular issue in your life. Prayer healing work can be done twice a day (morning and evening) and best in a quiet room. Prayer healing work can take longer to manifest, however it is very easy to use. Here is an example of a Financial Prayer to get you started so you can see how you can formulate a healing prayer:

    Financial Healing Prayer: I ask for guidance and healing during my prayer/meditation session. I call upon the Universe/Divine Spirit/God/Ascended Masters/Angel Realm to help me heal all financial issues I have in my life and allow for positive healing energy to come forth for this healing process. I am open to removing any blockages and issues that are holding me back and to heal all areas in this process. I acknowledge these issues and allow and stay open to receiving positive financial and money energy flowing into my life in a positive way.

    Crystal Healing: Crystal healing is all about working with the vibrational levels of crystals and their healing properties. For example, if you want to boost the abundance energy flow for your home or office you can create an Emerald gem elixir with charged healing water and mist the surrounding areas once a day to shift the vibrational level of the energy flow. Crystal healing can help in all emotional, mental, physical, spiritual and energetic issues. When working with crystals for healing energy it is about finding the one’s that resonate for your energy, as many crystals can help with crystal healing for abundance issues, however certain one’s help more than other’s for their vibrational levels. Then you have to work with these to find the one’s that resonate best for your own energy fields. Emerald’s are good one’s to start with for abundance energy flow for a home, office or other area you want to boost the energy flow.

    Energy Healing: Energy healing is all about working with balancing the energy flow, removing problems, creating positive healing energy and allowing the vibrational level for the person and their energetic make-up to increase. This is something you can even learn to do on your own by working with different energy formats. A very basic one to start with is Usui Reiki, as this is a very general healing Reiki format that many people start with for their own healing energy. You can also work with very specific energy modalities that are more customized for their healing vibrational levels, such as protection energy formats for protection healing and so on. Energy healing is about finding the root cause of the issue, not just treating the symptoms of the issue, and then working on removing this, balancing the energy flow and healing the area completely.

    There are many other healing methods you can work with, as these are just some of the ones I have listed here for you today. Other one’s you can check into are angelic healing, color therapy, divine source healing, herbal healing, nature healing, sound healing and many more! It is about finding what resonates for your own energy and what you want to work with to heal issues on a physical, emotional, mental and spiritual level. This is how things will all balance out on an energetic level for your energy fields!

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    Source by Nicole Lanning

    Views: 0

  • Numerology’s Habit Challenge; Hidden Strength From Your Name

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    All of us know what it’s like to have a crisis on our hands. When you have such a problem, where do you find the ability to deal with it? Numerology can help you find out what your basic approach is to solving the really hard problems in life. You just need to calculate your Habit Challenge.

    The Habit Challenge has several names: Submerged Characteristic and Habit number to name a few. This value reveals a hidden strength which you can use when problems are especially difficult for you. You don’t call on it often, but it’s there when you need it. Note: since this value is based on your use name, it can change throughout your lifetime.

    Habit Challenge Calculation

    Your Habit Challenge is calculated by counting the number of digits in your use name, and then reducing the total by fadic addition. For example actor Johnny Depp’s habit challenge value is (1) as shown below:

    Johnny Depp = (6 + 4) = (10) = (1 + 0) = (1)

    Habit Challenge (1) – Originality

    Your value gives you the ability to find an original solution to difficult problems, often to the surprise of others. Choosing to take the lead in these problems brings quick results.

    Habit Challenge (2) – Follower

    Your value gives you the ability to be a good follower; to let others lead and to obey orders when necessary. Collaboration is usually successful and some skill in diplomacy is present.

    Habit Challenge (3) – Imagination

    Your value gives you the ability to use your imagination and creativity to solve unusually difficult problems; you will find an artistic solution. You don’t always take these kinds of problems seriously.

    Habit Challenge (4) – Logic

    Your value gives you the ability to use logic and set reasonable goals to solve unusually difficult problems. Detailed, unemotional analysis will be your tools. You prefer a practical and orthodox solution to these problems. You will remain emotionally calm and cool in these situations.

    Habit Challenge (5) – Adaptive

    Your value gives you the ability to be adaptable, take risks, and accept changes to solve unusually difficult problems. New, untried solutions can work for you. You will show quickness of thought and versatility in these situations.

    Habit Challenge (6) – Responsible

    Your value gives you the ability to be responsible and sympathetic to the needs of others in solving unusually difficult problems. The effects on friends and family will be considered in reaching your solution.

    Habit Challenge (7) – Meditation

    Your value gives you the ability to meditate and seek within yourself to solve unusually difficult problems. You will tend to reject unsought advice and work to find your own solutions. You will wait to act until conditions are perfect to solve these problems.

    Habit Challenge (8) – Ruthless

    Your value gives you the ability to be efficient and ruthless in solving unusually difficult problems. You will set goals and work long and hard on them in these situations. Determination and persistence will be used in solving these problems.

    Habit Challenge (9) – Broad Minded

    Your value gives you the ability to take a broad-minded and idealistic approach to solve unusually difficult problems. You will be generous towards others in these situations. You will have unexpected and dramatic reactions to any opposition in solving these problems.

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    Source by Keith Abbott

    Views: 0

  • 70 Romantic Phrases That Make Men Fall Deeper In Love

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    Romantic communication is just one of the proven communication tools you can use to make your man fall madly in love and fulfill your heart’s romantic desires. There is a lot of love-creating power in the romantic words that come out of your mouth. This article will reveals 70 romantic phrases you can start using today to make your man fall madly in

    love. You may not say these things phrased exactly the way I have written them, but if you want your man to be addicted to your love, you must speak to him with words that will melt the walls he has build around his heart.

    Feel free to use any of the romantic phrases that best suit your communication style.

    1. All I care about is being with you forever.

    2. All the gold and diamond in the world are not enough to buy the love I have for you.

    3. God created you for just for me.

    4. I am addicted to your love.

    5. I am crazy about you.

    6. I cannot live without you.

    7. I cannot stop thinking about you.

    8. I did not mean to hurt your feelings.

    9. I do not want to wake up from this wonderful dream with you.

    10. I feel safe when I am with you.

    11. I get lost in ecstasy when you make love to me.

    12. I have finally discovered true love – you.

    13. I love talking to you.

    14. I love the way you make love to me.

    15. I miss your hugs and kisses when we are apart.

    16. I thank God for the day he brought you into my life.

    17. I want to spend forever with you.

    18. I will give anything to be with you.

    19. I will give you my heart, my body, and my soul.

    20. I will go with you to the ends of the world as long as you keep loving me.

    21. I will rather be broke than trade your love for a million dollars.

    22. I will travel a thousand miles to be with you.

    23. I wish God had brought you to me sooner.

    24. If anything happens to you, I will go crazy.

    25. If I could I would make love to you a thousand times.

    26. If I had to live life over again, I would live it with you.

    27. If loving you is a sin, then let me be guilty.

    28. If our love is blind, then I never want it to see the light of day.

    29. Life without you will be like going to sleep and never having sweet dreams.

    30. Loving you feels like heaven.

    31. Loving you has made life even sweeter.

    32. Loving you has made my life so full of joy and happiness.

    33. My heart cries when we are apart.

    34. You are my love, my heart, and my life.

    35. No man has loved me the way you love me.

    36. Nothing will ever stop me from loving you.

    37. Ooh sweetie, you are so good to me.

    38. Your warm hugs and your tender kisses are more precious than gold.

    39. Talking to you is like sipping the most delicious wine – I want it to last forever.

    40. The times we spend together are like precious gems that money cannot buy.

    41. Time stops when you hold me in your arms.

    42. When I am with you, my troubles seem to melt away.

    43. When I look at you I see a man that I find irresistible.

    44. Words are not enough to express how much I love you.

    45. You are my prince.

    46. You are my soul mate.

    47. You are the most important person in my life.

    48. You are the music that makes my heart sing.

    49. You are the only man I ever want in my life.

    50. You are the other half that makes me feel whole.

    51. You are the perfect man for me.

    52. You are the sweetest man I know.

    53. You bring nothing but love, peace, joy, and happiness to my soul.

    54. You bring so much joy and happiness to my life.

    55. You love me gently.

    56. You make me feel like a woman.

    57. You make me feel so good I want to kiss you from your head to your toe.

    58. You make me want you more each day.

    59. You treat me like a princess and I love you with all my heart.

    60. Your are the kindest man I know.

    61. Your caring words touch the deepest part of me.

    62. Your hugs and kisses melt my heart like chocolate ice cream on a warm summer day.

    63. Your kisses are like warm chocolate on a cold winter night.

    64. Your kisses are so good I feel tingles all over.

    65. Your love is like a solid rock that will never break.

    66. Your love is so good I can’t get away even if I wanted to.

    67. Your love warms my heart like the glow of a candle light in a midsummer night’s dream.

    68. Your loving whispers in a moon-lit night are like soothing wine, they put me in the mood.

    69. Your smile is so comforting it makes my tears go away.

    70. Your gentle touch sends chills up and down my spine.

    Life without endearing words is like being in a garden without flowers. Endearing words create a feeling that transcends our reality and makes life worth living.

    Feel free to to share this article with all your friends.

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    Source by Steve Ubah

    Views: 0

  • How Do You Get Approved As An Affiliate Marketer?

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    Affiliate marketing is an online business model where you promote and sell products and services that have been created by another business. Sometimes, before you can start to promote a high quality product or service you may need to get your website approved by the affiliate company.

    In some instances a company will not expect its affiliates to have a blog or website. This is generally the case with smaller companies.

    Having said that, you will have to show an affiliate network where you are going to be promoting their products and services. This means it’s a good idea to prepare your website accordingly before you submit an affiliate marketing agreement.

    What Are The Terms Of Service?

    The first thing you need to understand are the terms of service the affiliate company wants you to follow.

    In some cases, especially with large companies, the Terms of Service (TOS) are extensive and detailed and can take days to read. They are often changing frequently, and it’s your job to stay up-to-date on any new changes that are made.

    You’re Not The Only Affiliate

    There are hundreds if not thousands of people just like you applying as an affiliate every week and every month. When an affiliate manager from a company takes time to send you a response to your application, read that information carefully and respond as quickly as possible.

    This shows the company you are serious about representing their products. Also, look at the name of the affiliate manager who contacted you. When you respond, address communications to that person, by name. This adds a personal touch that a lot of affiliate marketing applicants won’t take the time to perform.

    Have A Marketing Plan

    Approval also comes quicker when you have a solid marketing plan. If you can show an affiliate company that you have a plan of action for promoting their products for now and in into the future, they will be impressed.

    You should also be prepared to invest your time and money for the promotion of an affiliate company’s products. Be honest, and tell your affiliate manager or company contact exactly how much time and money you are willing to spend to promote their products.

    Ask Questions

    Last but not least, ask a lot of questions. If possible, make a telephone contact. Ask your affiliate manager exactly what you need to do to show them that you are serious about a long-term relationship that is profitable for both parties. Use this and the rest of the tips just mentioned, and your approval to an affiliate company is virtually guaranteed.

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    Source by Jon Allo

    Views: 0

  • Entrepreneurship – Benefits Of Taking An Entrepreneurship Course

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    Are you tired of your regular job? Are you thinking of starting a business of your own? Do you want to enhance your ability to create wealth? Do you want to be your own boss? Do you want to have control over your decisions? Are you a risk taker? Do you have a high expectation of yourself? If the answer to the above questions is yes, then all you need to do is to channel your energy in the right direction.

    While passion is important for any business venture, the know-how is equally important for success. Many entrepreneurs who started out very passionate end up losing steam due to the fact that they do not have the proper entrepreneurial skills to make their business succeed. Entrepreneurship education is therefore key to a business growth and success.

    According to research, entrepreneurship education contributed to the growth of firms especially smaller emerging firms. On average, emerging companies that employed entrepreneurship graduates had greater than five times, the sale and employment growth than those that employed non-entrepreneurship graduates. This means that taking an entrepreneurship course would definitely lead to an increased sale of your product or service.

    In addition, it was observed that larger firms paid entrepreneurship graduates significantly more than they paid non-entrepreneurship graduates. In the United States, entrepreneurship graduates working for large firms earned approximately $23,500 more per year than did other business school graduates. This all goes to show the relative importance of an entrepreneurship education.

    So as an individual seeking to start a business venture, taking an entrepreneurship course would benefit you and your business in the following ways:

    • It will enhance your ability to create wealth from your own business
    • It makes you become a champion of innovation.
    • It gives you the ability to create greater opportunities for yourself with advancing technologies
    • It makes you self-sufficient and enterprising
    • It gives you community understanding skills which is good for your business
    • It enhances your business management skills
    • It gives you an orientation to change that can help your business keep up with the ever changing times
    • It gives you a better understanding of the market economy that your business must thrive in
    • The education obtained leads to your ultimate personal growth
    • Your decision making skills are improved
    • It expands your creative thinking

    As a result of these outlined benefits, many experienced leaders, economists and educators believe that fostering a robust entrepreneurial culture will maximize individual and collective economic and social success on a local and global scale.

    TAKE AN ONLINE ENTREPRENEURSHIP COURSE TODAY

    It is interesting to know that you can take this amazing course online. As an entrepreneur, leaving your business to attend a traditional institution of learning might not fit well with your plans. If that is your situation, then be rest assured that you are covered. With the steady growth of online education, a lot of online institution of repute that offer this course are available to choose from. In fact one unique institution stands out – The Swiss E-learning Institute. Apart fro other amazing benefits you are bound to enjoy, this institute also offers entrepreneurship students the opportunity of earning passive incomes just by enrolling and activating this course. Find out more by visiting the link on the resource box below.

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    Source by Kelechi Nwachukwu

    Views: 0

  • Why People Smoke After Sex And Not Before

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    There must be countless scenes in old movies of couples having the celebratory cigarette in bed after sex. In the more subtle days just the smoking scene was enough to imply the unseen steamy activity which had just gone before.

    So why do we see this after sex and not before? The after cigarette implies relaxation, comfort and satisfaction, which is curious because nicotine has nothing to do with these states.

    Imagine the scene with the before romance smoke. Now we have the ashtray mouth, or the smoke enriched hair killing the moment of passion. Maybe the moment of passion would pass, which certainly isn’t a good idea but maybe there is a strongly bio-chemical reason behind it all.

    One cigarette causes a dramatic shut down in your ability to shunt blood to your brain and your genitals for about four hours. This means your nitric oxide levels are about as good as an 80 year old, which translates as a lack of blood and function to your important parts!

    A robust 20 year old may not notice any problem but issues of impotence for men and sexual pleasure for women start to creep in clinically in the mid to late twenties and by the mid-forties studies show that as many as 50% of people either can’t perform or don’t enjoy sex.

    There are a number of issues involved including, alcohol, industrial omega 6 fats, xeno-estrogens from chemicals and soy oils, medications and sleep deprivation, but smoking is virtually guaranteed to create a problem.

    Plus the days of smoking being sexy have long passed and the smell of cigarette smoke would turn off most prospective bed partners.

    So you light a cigarette, and the smoke fills your lungs. Most of the toxins will enter your blood stream and travel through your heart. Those toxins which don’t enter your blood stream just have the sensitive tissue of your lungs to attack.

    From your heart the toxins travel via arteries, to arterioles, and right down to capillaries. The toxins cause these tiny blood pathways to constrict, and it is these small pathways which supply blood to your entire body.

    There is no upside to this restricted circulation, only limited blood flow, nutrient transport and diminished waste removal. So you system starts to look like New York during a garbage strike, instead of a super fast autobahn. And a disturbed system this is certainly not how you want to feel in a tender moment.

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    Source by Ian Newton

    Views: 0

  • Annuities and Tax

    An annuity is simply a “series of payments made at equal intervals.” That means that your mortgage, insurance, savings, and pension are all annuities. Mostly what makes something an annuity is the regularity of the payments. But the kind of annuity we are talking about here is the kind of long-term investment where you pay into it over time, and then you collect payments from it over time – often for life.

    How Annuities Work

    Usually, the funds that are paid into the investment are tax-deferred until you start accepting annuity payments. The taxes you pay are only regular income taxes too, which means that you pay taxes on the income just like you would any other income you receive. However, you can purchase annuities with after-tax money too. If you do that, you don’t have to pay taxes when you receive it until you receive your principal back. All earnings from annuities are subject to ordinary income tax.

    Immediate Annuities

    The two types of annuities, immediate and deferred, both require you to pay ordinary income tax on your earnings. An immediate annuity is when you give the entire principal to the insurance company, and then they invest the money and set up equal payments to you for your whole life right away with no waiting.

    Deferred Annuities

    As mentioned above, you can also buy an annuity with after-tax money – in which case only a portion after your principal is taxable. The deferred annuity means that you may not receive payment for several years while you keep investing your money and let the money keep growing tax-deferred until retirement. After that, the rules are the same; you pay taxes on the income you receive from each payout.

    Ordinary Income Tax

    You only pay taxes on your earnings at the ordinary income tax rate. What’s really exciting about this is that once you retire, your income will go down as you won’t have income from working. You may then be receiving social security retirement, your annuity, and other investment payouts. But at least on the annuities, you’ll only pay ordinary income tax on your earnings.

    Annuities are a good idea if you believe you’re going to need a set income for life. You will pay ordinary income taxes on it and you don’t get a better deal than you’d get if it were considered capital gains, but you do get a safe investment that guarantees you money for life. It’s all dependent on what risk level you like to take on investments. And, as always, it’s a good idea to diversify your investments so that you have many options when you retire. As to how annuities are taxed in states versus the federal government in the USA, you will have to check with your state as it’s different in each one.

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  • How To Cure Borborygmi (Borborygmus)

    How To Cure Borborygmi (Borborygmus)

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    Borborygmus (or Borborygmi being the plural) is the term given to loud rumbling stomach noise which occur when food/gas is passed through the stomach, intestine and gut. Borborygmus is the term given to this and occurs in both humans and animals.

    This condition can be a very embarrassing, painful and annoying condition for those who suffer from it. Many of it’s symptoms can be compared to Irritable Bowel Syndrome (IBS) such as diarrhea, stomach bloated, stomach gurgling and many more.

    This condition is easily cured or remedied with a simple change in diet once you know what causes it. I was a personal sufferer of this condition and since changing my diet I have been symptom free for over a year now.

    What Causes Borborygmi?

    Borborygmi is the sound of undigested carbohydrates within your digestive system. Many foods produce carbohydrates, some foods are far worse than others. For those who suffer from borbrygmi should carefully select the carbohydrates that they eat and try to avoid the ‘unnatural’ or unsuitable foods that cause borborygmus.

    The most likely foods that cause thos condition include:

    • Milk
    • Wheat
    • Oats
    • High sugar fruits
    • High sugar vegetables
    • Beans
    • Bread
    • Sugar (particularly fructose)
    • Gluten

    Many of the foods listed above are simply not natural for human consumption. Foods such as wheat, sugar, bread and even milk. This may come as a surprise but foods that are ideal for human consumption are foods that the caveman would eat such as meat, vegetables, fruit With the increase of such foods into our diet over the last 100 years conditions such as borborygmi and IBS has increased significantly.

    How To Cure Borborygmi

    With the cause of borborygmi now established it gives us a better idea of how to remedy this condition. Ideally you should look to restrict your intake of foods to very low sugar items. Items with a very low GI rating and items with very little carbohydrate content. These items are digested over a longer period of time and are more natural and easier to digest. These foods by their very nature cause very little gas, it is the gas that is created that will cause very loud abdominal pain, stomach bloating and……..borborygmi.

    A diet plan is the best approach to curing this problem. I have written a more indepth view of borborygmi which is called Common Causes of Borborygmi, check it out, many people have commented on the help it has provided them.

    Once you eliminated these problem foods then you should ideally remain eating them for a couple of weeks to give your body enough time to adjust to this new way of eating. Once this two week period has elapsed then slowly introduce high protein and low sugar foods into your diet one week at a time. There is more information on this diet and cure for borborygmi on the link above.

    Good Luck….

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    Source by Alan Kings

    Views: 0