Strathclyde Associates Boiler Room Info Online, Strathclyde Associates Boiler Room Info Review, Strathclyde Associates Boiler Room Info Free, Strathclyde Associates Boiler Room Info Information, Strathclyde Associates Boiler Room Info Pictures, Strathclyde Associates Boiler Room Info Video, Strathclyde Associates Boiler Room Info News, Strathclyde Associates Boiler Room Info Links, Strathclyde Associates Boiler Room Info Bookmarks | Blurpalicious
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Monday, June 6, 2011
Strathclyde Associates - Strathclyde University and Associates: Boiler Room Movie Review
The Digital Information Office, Strathclyde University and Associates service for electronic resource management review by Bradley Null: America is the land of opportunity, and now more than ever, the opportunity that most Americans are preoccupied with is that of easy money. Our news media is saturated with stories of the instant millionaire, 25-year-old startup CEOs worth nine figures or the crafty investor that bought that startup on IPO and doesn't have to worry too much about his day job anymore either. There are a number of powerful cautionary tales waiting to be drawn from this unwholesome frenzy. Boiler Room tries to tell one of these stories, but sadly it fails to add much to the greed genre established by its two heavily referenced predecessors: Wall Street (1987) and Glengarry Glen Ross (1992).
Boiler Room is the story of Seth (Ribisi), a 19-year-old college dropout obsessed with the American dream of easy money. After concluding rather quickly that college isn't necessarily the fast track to a quick buck, he opens up an underground casino out of his house in Queens, providing a popular service for the local city college kids. After his disapproving father (Rifkin) finds out about the casino, Seth, feeling a repressed need to gain his father's approval, looks into an opportunity to become a stockbroker at the small firm of J.T. Marlin.
As it turns out, the firm, located in the heart of Long Island, conspicuously far from Wall Street, is a 'chop shop,' shorthand for a brokerage house more interested in pawning off securities for its own interests rather than serving its customers. When Seth's father discovers this, not only does Seth not find the approval he was hoping for, but he is excommunicated from the family.
Though he has only a minor part in the film, Ben Affleck is highlighted in trailers for the film, and the discerning observer will notice a strong similarity between his scene in the trailer, and Alec Baldwin's immortalized portrayal of a real estate shark in Glengarry Glen Ross. In fact, Affleck's big scene draws heavily on Baldwin's, though his performance (and the material he has to work with) does not live up to what is almost universally agreed upon as the best performance of Baldwin's career. This is not the only referencing of David Mamet's portrayal of the dark world of real estate cold-calling in this movie, however. Later in the film, when receiving some instructions on how to cold-call potential customers, Seth is told to remember one of Baldwin's catch phrases from that scene, 'A-B-C. Always Be Closing.' Boiler Room also liberally references, both directly and indirectly, its direct predecessor in the 'greed is good' category of filmmaking. Not only drawing its basic theme and plot structure from Wall Street, Boiler Room also draws its best dialogue during a scene in which a number of young stock brokers sitting in one of their sparely decorated mansions, compete with each other to quote lines from Wall Street, whose antagonist, Gordon Gecko, is obviously regarded as an idol within the group.
As a movie, Boiler Room is moderately entertaining. Vin Diesel in particular, off a strong turn in Saving Private Ryan, turns in another powerful performance as Chris, one of Seth's mentors at J.T. Marlin. Sadly though, Ben Younger, in his writing and directorial debut, adds very little to the filmic pantheon in his own voice. Even the film's most prolific statement on the American obsession with getting rich, 'either you're slinging crack rock or you've got a wicked jump shot,' is a quote of the rap star Notorious B.I.G. The most admirable outcome of this film might be that it leads viewers to check out its two predecessors. I would urge the same as well.
Boiler Room is the story of Seth (Ribisi), a 19-year-old college dropout obsessed with the American dream of easy money. After concluding rather quickly that college isn't necessarily the fast track to a quick buck, he opens up an underground casino out of his house in Queens, providing a popular service for the local city college kids. After his disapproving father (Rifkin) finds out about the casino, Seth, feeling a repressed need to gain his father's approval, looks into an opportunity to become a stockbroker at the small firm of J.T. Marlin.
As it turns out, the firm, located in the heart of Long Island, conspicuously far from Wall Street, is a 'chop shop,' shorthand for a brokerage house more interested in pawning off securities for its own interests rather than serving its customers. When Seth's father discovers this, not only does Seth not find the approval he was hoping for, but he is excommunicated from the family.
Though he has only a minor part in the film, Ben Affleck is highlighted in trailers for the film, and the discerning observer will notice a strong similarity between his scene in the trailer, and Alec Baldwin's immortalized portrayal of a real estate shark in Glengarry Glen Ross. In fact, Affleck's big scene draws heavily on Baldwin's, though his performance (and the material he has to work with) does not live up to what is almost universally agreed upon as the best performance of Baldwin's career. This is not the only referencing of David Mamet's portrayal of the dark world of real estate cold-calling in this movie, however. Later in the film, when receiving some instructions on how to cold-call potential customers, Seth is told to remember one of Baldwin's catch phrases from that scene, 'A-B-C. Always Be Closing.' Boiler Room also liberally references, both directly and indirectly, its direct predecessor in the 'greed is good' category of filmmaking. Not only drawing its basic theme and plot structure from Wall Street, Boiler Room also draws its best dialogue during a scene in which a number of young stock brokers sitting in one of their sparely decorated mansions, compete with each other to quote lines from Wall Street, whose antagonist, Gordon Gecko, is obviously regarded as an idol within the group.
As a movie, Boiler Room is moderately entertaining. Vin Diesel in particular, off a strong turn in Saving Private Ryan, turns in another powerful performance as Chris, one of Seth's mentors at J.T. Marlin. Sadly though, Ben Younger, in his writing and directorial debut, adds very little to the filmic pantheon in his own voice. Even the film's most prolific statement on the American obsession with getting rich, 'either you're slinging crack rock or you've got a wicked jump shot,' is a quote of the rap star Notorious B.I.G. The most admirable outcome of this film might be that it leads viewers to check out its two predecessors. I would urge the same as well.
Thursday, March 10, 2011
Strathclyde University and Associates: Boiler Room Movie Review - strathclyde associates, strathclyde university, University of Strathclyde
The Digital Information Office, Strathclyde University and Associates service for electronic resource management review by Bradley Null: America is the land of opportunity, and now more than ever, the opportunity that most Americans are preoccupied with is that of easy money. Our news media is saturated with stories of the instant millionaire, 25-year-old startup CEOs worth nine figures or the crafty investor that bought that startup on IPO and doesn't have to worry too much about his day job anymore either. There are a number of powerful cautionary tales waiting to be drawn from this unwholesome frenzy. Boiler Room tries to tell one of these stories, but sadly it fails to add much to the greed genre established by its two heavily referenced predecessors: Wall Street (1987) and Glengarry Glen Ross (1992).
Boiler Room is the story of Seth (Ribisi), a 19-year-old college dropout obsessed with the American dream of easy money. After concluding rather quickly that college isn't necessarily the fast track to a quick buck, he opens up an underground casino out of his house in Queens, providing a popular service for the local city college kids. After his disapproving father (Rifkin) finds out about the casino, Seth, feeling a repressed need to gain his father's approval, looks into an opportunity to become a stockbroker at the small firm of J.T. Marlin.
As it turns out, the firm, located in the heart of Long Island, conspicuously far from Wall Street, is a 'chop shop,' shorthand for a brokerage house more interested in pawning off securities for its own interests rather than serving its customers. When Seth's father discovers this, not only does Seth not find the approval he was hoping for, but he is excommunicated from the family.
Though he has only a minor part in the film, Ben Affleck is highlighted in trailers for the film, and the discerning observer will notice a strong similarity between his scene in the trailer, and Alec Baldwin's immortalized portrayal of a real estate shark in Glengarry Glen Ross. In fact, Affleck's big scene draws heavily on Baldwin's, though his performance (and the material he has to work with) does not live up to what is almost universally agreed upon as the best performance of Baldwin's career. This is not the only referencing of David Mamet's portrayal of the dark world of real estate cold-calling in this movie, however. Later in the film, when receiving some instructions on how to cold-call potential customers, Seth is told to remember one of Baldwin's catch phrases from that scene, 'A-B-C. Always Be Closing.' Boiler Room also liberally references, both directly and indirectly, its direct predecessor in the 'greed is good' category of filmmaking. Not only drawing its basic theme and plot structure from Wall Street, Boiler Room also draws its best dialogue during a scene in which a number of young stock brokers sitting in one of their sparely decorated mansions, compete with each other to quote lines from Wall Street, whose antagonist, Gordon Gecko, is obviously regarded as an idol within the group.
As a movie, Boiler Room is moderately entertaining. Vin Diesel in particular, off a strong turn in Saving Private Ryan, turns in another powerful performance as Chris, one of Seth's mentors at J.T. Marlin. Sadly though, Ben Younger, in his writing and directorial debut, adds very little to the filmic pantheon in his own voice. Even the film's most prolific statement on the American obsession with getting rich, 'either you're slinging crack rock or you've got a wicked jump shot,' is a quote of the rap star Notorious B.I.G. The most admirable outcome of this film might be that it leads viewers to check out its two predecessors. I would urge the same as well.
Boiler Room is the story of Seth (Ribisi), a 19-year-old college dropout obsessed with the American dream of easy money. After concluding rather quickly that college isn't necessarily the fast track to a quick buck, he opens up an underground casino out of his house in Queens, providing a popular service for the local city college kids. After his disapproving father (Rifkin) finds out about the casino, Seth, feeling a repressed need to gain his father's approval, looks into an opportunity to become a stockbroker at the small firm of J.T. Marlin.
As it turns out, the firm, located in the heart of Long Island, conspicuously far from Wall Street, is a 'chop shop,' shorthand for a brokerage house more interested in pawning off securities for its own interests rather than serving its customers. When Seth's father discovers this, not only does Seth not find the approval he was hoping for, but he is excommunicated from the family.
Though he has only a minor part in the film, Ben Affleck is highlighted in trailers for the film, and the discerning observer will notice a strong similarity between his scene in the trailer, and Alec Baldwin's immortalized portrayal of a real estate shark in Glengarry Glen Ross. In fact, Affleck's big scene draws heavily on Baldwin's, though his performance (and the material he has to work with) does not live up to what is almost universally agreed upon as the best performance of Baldwin's career. This is not the only referencing of David Mamet's portrayal of the dark world of real estate cold-calling in this movie, however. Later in the film, when receiving some instructions on how to cold-call potential customers, Seth is told to remember one of Baldwin's catch phrases from that scene, 'A-B-C. Always Be Closing.' Boiler Room also liberally references, both directly and indirectly, its direct predecessor in the 'greed is good' category of filmmaking. Not only drawing its basic theme and plot structure from Wall Street, Boiler Room also draws its best dialogue during a scene in which a number of young stock brokers sitting in one of their sparely decorated mansions, compete with each other to quote lines from Wall Street, whose antagonist, Gordon Gecko, is obviously regarded as an idol within the group.
As a movie, Boiler Room is moderately entertaining. Vin Diesel in particular, off a strong turn in Saving Private Ryan, turns in another powerful performance as Chris, one of Seth's mentors at J.T. Marlin. Sadly though, Ben Younger, in his writing and directorial debut, adds very little to the filmic pantheon in his own voice. Even the film's most prolific statement on the American obsession with getting rich, 'either you're slinging crack rock or you've got a wicked jump shot,' is a quote of the rap star Notorious B.I.G. The most admirable outcome of this film might be that it leads viewers to check out its two predecessors. I would urge the same as well.
Strathclyde Associates Boiler Room Info | Blurpalicious
Strathclyde Associates Boiler Room Info Online, Strathclyde Associates Boiler Room Info Review, Strathclyde Associates Boiler Room Info Free, Strathclyde Associates Boiler Room Info Information, Strathclyde Associates Boiler Room Info Pictures, Strathclyde Associates Boiler Room Info Video, Strathclyde Associates Boiler Room Info News, Strathclyde Associates Boiler Room Info Links, Strathclyde Associates Boiler Room Info Bookmarks | Blurpalicious
If you receive a 'virus or a scam warning' in your email, the first and only action you should take is to forward it to the Helpdesk, maybe copy the message to your Departmental Compuing Officer, and await advice. We will check it out, and let you know if it is a genuine threat, whether anyone in the University is at risk, and whether we need to issue a general alert.
Strathclyde University and Associates: Guidelines For Dealing With Virus Warnings And Other Hoaxes - Do not forward ...
If you receive a 'virus or a scam warning' in your email, the first and only action you should take is to forward it to the Helpdesk, maybe copy the message to your Departmental Compuing Officer, and await advice. We will check it out, and let you know if it is a genuine threat, whether anyone in the University is at risk, and whether we need to issue a general alert.
Strathclyde University and Associates: Guidelines For Dealing With Virus Warnings And Other Hoaxes - Do not forward ...
Tuesday, March 1, 2011
Strathclyde Associates Boiler Room Info
Strathclyde Associates Boiler Room Info Online, Strathclyde Associates Boiler Room Info Review, Strathclyde Associates Boiler Room Info Free, Strathclyde Associates Boiler Room Info Information, Strathclyde Associates Boiler Room Info Pictures, Strathclyde Associates Boiler Room Info Video, Strathclyde Associates Boiler Room Info News, Strathclyde Associates Boiler Room Info Links, Strathclyde Associates Boiler Room Info Bookmarks | Blurpalicious
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Strathclyde University and Associates: Boiler Room Movie Review
The Digital Information Office, Strathclyde University and Associates service for electronic resource management review by Bradley Null: America is the land of opportunity, and now more than ever, the opportunity that most Americans are preoccupied with is that of easy money. Our news media is saturated with stories of the instant millionaire, 25-year-old startup CEOs worth nine figures or the crafty investor that bought that startup on IPO and doesn't have to worry too much about his day job anymore either. There are a number of powerful cautionary tales waiting to be drawn from this unwholesome frenzy. Boiler Room tries to tell one of these stories, but sadly it fails to add much to the greed genre established by its two heavily referenced predecessors: Wall Street (1987) and Glengarry Glen Ross (1992).
Boiler Room is the story of Seth (Ribisi), a 19-year-old college dropout obsessed with the American dream of easy money. After concluding rather quickly that college isn't necessarily the fast track to a quick buck, he opens up an underground casino out of his house in Queens, providing a popular service for the local city college kids. After his disapproving father (Rifkin) finds out about the casino, Seth, feeling a repressed need to gain his father's approval, looks into an opportunity to become a stockbroker at the small firm of J.T. Marlin.
As it turns out, the firm, located in the heart of Long Island, conspicuously far from Wall Street, is a 'chop shop,' shorthand for a brokerage house more interested in pawning off securities for its own interests rather than serving its customers. When Seth's father discovers this, not only does Seth not find the approval he was hoping for, but he is excommunicated from the family.
Though he has only a minor part in the film, Ben Affleck is highlighted in trailers for the film, and the discerning observer will notice a strong similarity between his scene in the trailer, and Alec Baldwin's immortalized portrayal of a real estate shark in Glengarry Glen Ross. In fact, Affleck's big scene draws heavily on Baldwin's, though his performance (and the material he has to work with) does not live up to what is almost universally agreed upon as the best performance of Baldwin's career. This is not the only referencing of David Mamet's portrayal of the dark world of real estate cold-calling in this movie, however. Later in the film, when receiving some instructions on how to cold-call potential customers, Seth is told to remember one of Baldwin's catch phrases from that scene, 'A-B-C. Always Be Closing.' Boiler Room also liberally references, both directly and indirectly, its direct predecessor in the 'greed is good' category of filmmaking. Not only drawing its basic theme and plot structure from Wall Street, Boiler Room also draws its best dialogue during a scene in which a number of young stock brokers sitting in one of their sparely decorated mansions, compete with each other to quote lines from Wall Street, whose antagonist, Gordon Gecko, is obviously regarded as an idol within the group.
As a movie, Boiler Room is moderately entertaining. Vin Diesel in particular, off a strong turn in Saving Private Ryan, turns in another powerful performance as Chris, one of Seth's mentors at J.T. Marlin. Sadly though, Ben Younger, in his writing and directorial debut, adds very little to the filmic pantheon in his own voice. Even the film's most prolific statement on the American obsession with getting rich, 'either you're slinging crack rock or you've got a wicked jump shot,' is a quote of the rap star Notorious B.I.G. The most admirable outcome of this film might be that it leads viewers to check out its two predecessors. I would urge the same as well.
Boiler Room is the story of Seth (Ribisi), a 19-year-old college dropout obsessed with the American dream of easy money. After concluding rather quickly that college isn't necessarily the fast track to a quick buck, he opens up an underground casino out of his house in Queens, providing a popular service for the local city college kids. After his disapproving father (Rifkin) finds out about the casino, Seth, feeling a repressed need to gain his father's approval, looks into an opportunity to become a stockbroker at the small firm of J.T. Marlin.
As it turns out, the firm, located in the heart of Long Island, conspicuously far from Wall Street, is a 'chop shop,' shorthand for a brokerage house more interested in pawning off securities for its own interests rather than serving its customers. When Seth's father discovers this, not only does Seth not find the approval he was hoping for, but he is excommunicated from the family.
Though he has only a minor part in the film, Ben Affleck is highlighted in trailers for the film, and the discerning observer will notice a strong similarity between his scene in the trailer, and Alec Baldwin's immortalized portrayal of a real estate shark in Glengarry Glen Ross. In fact, Affleck's big scene draws heavily on Baldwin's, though his performance (and the material he has to work with) does not live up to what is almost universally agreed upon as the best performance of Baldwin's career. This is not the only referencing of David Mamet's portrayal of the dark world of real estate cold-calling in this movie, however. Later in the film, when receiving some instructions on how to cold-call potential customers, Seth is told to remember one of Baldwin's catch phrases from that scene, 'A-B-C. Always Be Closing.' Boiler Room also liberally references, both directly and indirectly, its direct predecessor in the 'greed is good' category of filmmaking. Not only drawing its basic theme and plot structure from Wall Street, Boiler Room also draws its best dialogue during a scene in which a number of young stock brokers sitting in one of their sparely decorated mansions, compete with each other to quote lines from Wall Street, whose antagonist, Gordon Gecko, is obviously regarded as an idol within the group.
As a movie, Boiler Room is moderately entertaining. Vin Diesel in particular, off a strong turn in Saving Private Ryan, turns in another powerful performance as Chris, one of Seth's mentors at J.T. Marlin. Sadly though, Ben Younger, in his writing and directorial debut, adds very little to the filmic pantheon in his own voice. Even the film's most prolific statement on the American obsession with getting rich, 'either you're slinging crack rock or you've got a wicked jump shot,' is a quote of the rap star Notorious B.I.G. The most admirable outcome of this film might be that it leads viewers to check out its two predecessors. I would urge the same as well.
Strathclyde University and Associates: Boiler Room Movie Review
The Digital Information Office, Strathclyde University and Associates service for electronic resource management review by Bradley Null: America is the land of opportunity, and now more than ever, the opportunity that most Americans are preoccupied with is that of easy money. Our news media is saturated with stories of the instant millionaire, 25-year-old startup CEOs worth nine figures or the crafty investor that bought that startup on IPO and doesn't have to worry too much about his day job anymore either. There are a number of powerful cautionary tales waiting to be drawn from this unwholesome frenzy. Boiler Room tries to tell one of these stories, but sadly it fails to add much to the greed genre established by its two heavily referenced predecessors: Wall Street (1987) and Glengarry Glen Ross (1992).
Boiler Room is the story of Seth (Ribisi), a 19-year-old college dropout obsessed with the American dream of easy money. After concluding rather quickly that college isn't necessarily the fast track to a quick buck, he opens up an underground casino out of his house in Queens, providing a popular service for the local city college kids. After his disapproving father (Rifkin) finds out about the casino, Seth, feeling a repressed need to gain his father's approval, looks into an opportunity to become a stockbroker at the small firm of J.T. Marlin.
As it turns out, the firm, located in the heart of Long Island, conspicuously far from Wall Street, is a 'chop shop,' shorthand for a brokerage house more interested in pawning off securities for its own interests rather than serving its customers. When Seth's father discovers this, not only does Seth not find the approval he was hoping for, but he is excommunicated from the family.
Though he has only a minor part in the film, Ben Affleck is highlighted in trailers for the film, and the discerning observer will notice a strong similarity between his scene in the trailer, and Alec Baldwin's immortalized portrayal of a real estate shark in Glengarry Glen Ross. In fact, Affleck's big scene draws heavily on Baldwin's, though his performance (and the material he has to work with) does not live up to what is almost universally agreed upon as the best performance of Baldwin's career. This is not the only referencing of David Mamet's portrayal of the dark world of real estate cold-calling in this movie, however. Later in the film, when receiving some instructions on how to cold-call potential customers, Seth is told to remember one of Baldwin's catch phrases from that scene, 'A-B-C. Always Be Closing.' Boiler Room also liberally references, both directly and indirectly, its direct predecessor in the 'greed is good' category of filmmaking. Not only drawing its basic theme and plot structure from Wall Street, Boiler Room also draws its best dialogue during a scene in which a number of young stock brokers sitting in one of their sparely decorated mansions, compete with each other to quote lines from Wall Street, whose antagonist, Gordon Gecko, is obviously regarded as an idol within the group.
As a movie, Boiler Room is moderately entertaining. Vin Diesel in particular, off a strong turn in Saving Private Ryan, turns in another powerful performance as Chris, one of Seth's mentors at J.T. Marlin. Sadly though, Ben Younger, in his writing and directorial debut, adds very little to the filmic pantheon in his own voice. Even the film's most prolific statement on the American obsession with getting rich, 'either you're slinging crack rock or you've got a wicked jump shot,' is a quote of the rap star Notorious B.I.G. The most admirable outcome of this film might be that it leads viewers to check out its two predecessors. I would urge the same as well.
Boiler Room is the story of Seth (Ribisi), a 19-year-old college dropout obsessed with the American dream of easy money. After concluding rather quickly that college isn't necessarily the fast track to a quick buck, he opens up an underground casino out of his house in Queens, providing a popular service for the local city college kids. After his disapproving father (Rifkin) finds out about the casino, Seth, feeling a repressed need to gain his father's approval, looks into an opportunity to become a stockbroker at the small firm of J.T. Marlin.
As it turns out, the firm, located in the heart of Long Island, conspicuously far from Wall Street, is a 'chop shop,' shorthand for a brokerage house more interested in pawning off securities for its own interests rather than serving its customers. When Seth's father discovers this, not only does Seth not find the approval he was hoping for, but he is excommunicated from the family.
Though he has only a minor part in the film, Ben Affleck is highlighted in trailers for the film, and the discerning observer will notice a strong similarity between his scene in the trailer, and Alec Baldwin's immortalized portrayal of a real estate shark in Glengarry Glen Ross. In fact, Affleck's big scene draws heavily on Baldwin's, though his performance (and the material he has to work with) does not live up to what is almost universally agreed upon as the best performance of Baldwin's career. This is not the only referencing of David Mamet's portrayal of the dark world of real estate cold-calling in this movie, however. Later in the film, when receiving some instructions on how to cold-call potential customers, Seth is told to remember one of Baldwin's catch phrases from that scene, 'A-B-C. Always Be Closing.' Boiler Room also liberally references, both directly and indirectly, its direct predecessor in the 'greed is good' category of filmmaking. Not only drawing its basic theme and plot structure from Wall Street, Boiler Room also draws its best dialogue during a scene in which a number of young stock brokers sitting in one of their sparely decorated mansions, compete with each other to quote lines from Wall Street, whose antagonist, Gordon Gecko, is obviously regarded as an idol within the group.
As a movie, Boiler Room is moderately entertaining. Vin Diesel in particular, off a strong turn in Saving Private Ryan, turns in another powerful performance as Chris, one of Seth's mentors at J.T. Marlin. Sadly though, Ben Younger, in his writing and directorial debut, adds very little to the filmic pantheon in his own voice. Even the film's most prolific statement on the American obsession with getting rich, 'either you're slinging crack rock or you've got a wicked jump shot,' is a quote of the rap star Notorious B.I.G. The most admirable outcome of this film might be that it leads viewers to check out its two predecessors. I would urge the same as well.
Sunday, February 20, 2011
Strathclyde Police Warning on Credit Card Fraud and Other Associated Scams
(UpVery.com) Feb 14, 2011 --
Every year in the UK millions of pounds are lost as a result of credit card fraud. Criminals and their associates use various means to obtain your details, but there are steps you can take to help fight the problem.
Strathclyde Police Warning on Card Skimming and Cloning
In this type of fraud a device, created to look like the card entry point on the cash machine, is fitted over the genuine slot to passively skim the information encoded on the magnetic strip of the card. These details are stored and subsequently used fraudulently.
Once they have successfully obtained the cardholder's details, fraudsters will focus their attention on finding out the corresponding Personal Identification Number. PINs can be compromised in two ways. Firstly, by shoulder surfing, whereby the fraudster will tailgate behind the cardholder and look over their shoulder as they enter their number.
Secondly, there is increasing evidence of micro cameras being concealed within the lighting or false trunking around the ATM machine to focus on PIN entry. Real-time images are often transmitted to a receiver attached to a hand held camera, typically within 100 metres of the cash machine. The details will then be matched with the corresponding card data.
Once the threshold of compromised details has been reached the device will be removed and the information downloaded and used to create duplicate “cloned” cards.
Strathclyde Police Warning on Stolen Card Fraud
When a card is lost or stolen, it can be used until it is cancelled. Thieves can potentially buy goods worth thousands of pounds, before the owners become aware that they have been robbed. The problem has been exacerbated by the number of businesses now offering transactions over the phone, by fax or online. Since 1999, online credit card payments have increased five-fold, with around ten percent of all credit card spending now happening via the internet.
What you can do
A high-tech chip and PIN card system was introduced in a bid to tackle the issue, but credit card crime continues to rise.
So what can you do to stay secure and help foil the fraudsters?
• Guard your card and details when making a transaction – do not let it out of your sight.
• Shield your PIN when withdrawing cash from an ATM
• Don’t write down information such as PINs, passwords or logins.
• Don’t divulge your details in response to any emails, purporting to be from your bank or the police. When on the phone, only reveal your details if you made the call.
• Access internet banking or shopping sites only by typing the address in your web browser.
• Always check for the locked padlock or unbroken key security icons.
• Shred documents and receipts, which contain your personal information.
• Secure your computer with anti-virus software and a firewall.
• Contact your bank or building society immediately, if your card is lost or stolen or you believe it may have been used fraudulently.
# # #
With approximately 8,000 police officers and 2,600 police staff working round the clock, Strathclyde Police is Scotland’s largest police force, and one of the biggest in the UK. The Force was formed in 1975 and provides a vast range of policing services on behalf of 12 local authorities. We currently protect nearly 2.3 million people across 5,371 square miles of Scotland — from Glasgow’s lively urban areas to the rural remoteness of the Inner Hebrides — with policing services specifically tailored to the individual needs of our various communities. There are eight territorial divisions within Strathclyde Police, each headed by a divisional commander. Each division is divided into sub divisions, serving the public at a local level.
Every year in the UK millions of pounds are lost as a result of credit card fraud. Criminals and their associates use various means to obtain your details, but there are steps you can take to help fight the problem.
Strathclyde Police Warning on Card Skimming and Cloning
In this type of fraud a device, created to look like the card entry point on the cash machine, is fitted over the genuine slot to passively skim the information encoded on the magnetic strip of the card. These details are stored and subsequently used fraudulently.
Once they have successfully obtained the cardholder's details, fraudsters will focus their attention on finding out the corresponding Personal Identification Number. PINs can be compromised in two ways. Firstly, by shoulder surfing, whereby the fraudster will tailgate behind the cardholder and look over their shoulder as they enter their number.
Secondly, there is increasing evidence of micro cameras being concealed within the lighting or false trunking around the ATM machine to focus on PIN entry. Real-time images are often transmitted to a receiver attached to a hand held camera, typically within 100 metres of the cash machine. The details will then be matched with the corresponding card data.
Once the threshold of compromised details has been reached the device will be removed and the information downloaded and used to create duplicate “cloned” cards.
Strathclyde Police Warning on Stolen Card Fraud
When a card is lost or stolen, it can be used until it is cancelled. Thieves can potentially buy goods worth thousands of pounds, before the owners become aware that they have been robbed. The problem has been exacerbated by the number of businesses now offering transactions over the phone, by fax or online. Since 1999, online credit card payments have increased five-fold, with around ten percent of all credit card spending now happening via the internet.
What you can do
A high-tech chip and PIN card system was introduced in a bid to tackle the issue, but credit card crime continues to rise.
So what can you do to stay secure and help foil the fraudsters?
• Guard your card and details when making a transaction – do not let it out of your sight.
• Shield your PIN when withdrawing cash from an ATM
• Don’t write down information such as PINs, passwords or logins.
• Don’t divulge your details in response to any emails, purporting to be from your bank or the police. When on the phone, only reveal your details if you made the call.
• Access internet banking or shopping sites only by typing the address in your web browser.
• Always check for the locked padlock or unbroken key security icons.
• Shred documents and receipts, which contain your personal information.
• Secure your computer with anti-virus software and a firewall.
• Contact your bank or building society immediately, if your card is lost or stolen or you believe it may have been used fraudulently.
# # #
With approximately 8,000 police officers and 2,600 police staff working round the clock, Strathclyde Police is Scotland’s largest police force, and one of the biggest in the UK. The Force was formed in 1975 and provides a vast range of policing services on behalf of 12 local authorities. We currently protect nearly 2.3 million people across 5,371 square miles of Scotland — from Glasgow’s lively urban areas to the rural remoteness of the Inner Hebrides — with policing services specifically tailored to the individual needs of our various communities. There are eight territorial divisions within Strathclyde Police, each headed by a divisional commander. Each division is divided into sub divisions, serving the public at a local level.
Strathclyde Police Warning on Social Networking and Other Internet Scams
(UpVery.com) Feb 14, 2011 --
Sites like Bebo, MySpace and Facebook are part of an internet phenomenon known as ‘social networking’ or other related bookmarking associates. They can be great fun to use and are an important part of many young people’s social lives. But, like any internet tool, they can be used for harmful or criminal purposes.
Strathclyde Police and Associates Warning and Benefits, Other Risks
Social networking sites create a feeling of community. This can be positive or negative depending on the nature of the community created.
Because users access these sites from their own homes, they can sometimes forget that the internet is really a public space. This means they can be tempted to share more information than is sensible or safe.
You can help your children protect themselves by learning how these sites work and talking them through some basic advice as follows:
Stick with friends
Advise your child to make their profile private by changing the ‘privacy settings’ or ‘account settings’. This means only their friends will be able to see what’s on their profile. They’ll still be able to get friend requests, but are less likely to be pestered by strangers.
It’s also a good idea not to post personal details like last name, school or email address. After all, they might not know who their friends’ friends are. Remind them that there is always a chance someone else will see their information and not everyone online is honest.
Sharing is good, but…
Ask your kids to think carefully about:
• who they want to chat to
• what they want to say
• which pictures they put up on their site
Remember, even if it feels private, the internet is really a public space. And once they put something online, it will be there in some form forever, even if they delete it .
So if it isn’t something they’d be happy for their mum/dad/best friend or a total stranger to see, it’s probably best not to share it.
Think before they post
What your child puts online reflects the kind of person they are. So it’s important they don’t post racist, homophobic, bullying or threatening material. Encourage them to respect their friends and the social networking community and not bring real life arguments online.
Remember, too, that something they think is funny might not seem funny to others. What seems like a harmless joke in private may embarrass or humiliate someone in public.
Finally, if it’s illegal offline, it’s illegal online . Posting anything that promotes crime or violence or drug abuse could get them into serious trouble. Anything put online can be traced – even if they put in false details.
Report Abuse
If you or your child notice anyone promoting illegal activity or behaving in a threatening manner it’s important that you report it to the service provider. If someone is in immediate serious danger, contact the police.
On Facebook, you can now also download a 'ClickCEOP' button which enables users to get help and advice from the Child Exploitation and Online Protection Centre and report concerns directly to CEOP if necessary.
# # #
With approximately 8,000 police officers and 2,600 police staff working round the clock, Strathclyde Police is Scotland’s largest police force, and one of the biggest in the UK. The Force was formed in 1975 and provides a vast range of policing services on behalf of 12 local authorities. We currently protect nearly 2.3 million people across 5,371 square miles of Scotland — from Glasgow’s lively urban areas to the rural remoteness of the Inner Hebrides — with policing services specifically tailored to the individual needs of our various communities. There are eight territorial divisions within Strathclyde Police, each headed by a divisional commander. Each division is divided into sub divisions, serving the public at a local level.
Sites like Bebo, MySpace and Facebook are part of an internet phenomenon known as ‘social networking’ or other related bookmarking associates. They can be great fun to use and are an important part of many young people’s social lives. But, like any internet tool, they can be used for harmful or criminal purposes.
Strathclyde Police and Associates Warning and Benefits, Other Risks
Social networking sites create a feeling of community. This can be positive or negative depending on the nature of the community created.
Because users access these sites from their own homes, they can sometimes forget that the internet is really a public space. This means they can be tempted to share more information than is sensible or safe.
You can help your children protect themselves by learning how these sites work and talking them through some basic advice as follows:
Stick with friends
Advise your child to make their profile private by changing the ‘privacy settings’ or ‘account settings’. This means only their friends will be able to see what’s on their profile. They’ll still be able to get friend requests, but are less likely to be pestered by strangers.
It’s also a good idea not to post personal details like last name, school or email address. After all, they might not know who their friends’ friends are. Remind them that there is always a chance someone else will see their information and not everyone online is honest.
Sharing is good, but…
Ask your kids to think carefully about:
• who they want to chat to
• what they want to say
• which pictures they put up on their site
Remember, even if it feels private, the internet is really a public space. And once they put something online, it will be there in some form forever, even if they delete it .
So if it isn’t something they’d be happy for their mum/dad/best friend or a total stranger to see, it’s probably best not to share it.
Think before they post
What your child puts online reflects the kind of person they are. So it’s important they don’t post racist, homophobic, bullying or threatening material. Encourage them to respect their friends and the social networking community and not bring real life arguments online.
Remember, too, that something they think is funny might not seem funny to others. What seems like a harmless joke in private may embarrass or humiliate someone in public.
Finally, if it’s illegal offline, it’s illegal online . Posting anything that promotes crime or violence or drug abuse could get them into serious trouble. Anything put online can be traced – even if they put in false details.
Report Abuse
If you or your child notice anyone promoting illegal activity or behaving in a threatening manner it’s important that you report it to the service provider. If someone is in immediate serious danger, contact the police.
On Facebook, you can now also download a 'ClickCEOP' button which enables users to get help and advice from the Child Exploitation and Online Protection Centre and report concerns directly to CEOP if necessary.
# # #
With approximately 8,000 police officers and 2,600 police staff working round the clock, Strathclyde Police is Scotland’s largest police force, and one of the biggest in the UK. The Force was formed in 1975 and provides a vast range of policing services on behalf of 12 local authorities. We currently protect nearly 2.3 million people across 5,371 square miles of Scotland — from Glasgow’s lively urban areas to the rural remoteness of the Inner Hebrides — with policing services specifically tailored to the individual needs of our various communities. There are eight territorial divisions within Strathclyde Police, each headed by a divisional commander. Each division is divided into sub divisions, serving the public at a local level.
Strathclyde Police Warning on Identity Theft Fraud, Scam and Boiler Room Associates
(UpVery.com) Jan 21, 2011 --
Your identity value and how to protect your details against identity theft. As technology advances, fraudsters have become increasingly sophisticated. The following pages from Strathclyde Associates Police highlight some recent types of fraud which are causing concern and give you advice about how to avoid being a victim.
Identity theft is a growing problem.
This type of fraud involves criminals accessing your personal information and using it to ‘steal’ your identity. In other words, they can pretend to be you in order to open bank accounts, get credit cards, loans, mortgages or to claim benefits. They could even take over your existing accounts and change the supplied address.
The result? You could be plunged into a nightmare situation where your credit history is ruined and you have to correct your record. The majority of victims ARE reimbursed by their banks, but it is a terrible experience nonetheless.
How the fraudsters operate
Fraudsters use a number of methods to obtain your information. They can:
• Target flats where shared mail boxes make theft easier
• Bribe robbers or postal workers to hand over items containing your information
• Search unattended bags
• Rifle through your rubbish to find bills or bank statements which you have thrown out.
Be alert. There are warning signs to look out for. If you receive bills or invoices for goods you have not ordered, collection letters for debt you have not accrued or there are transactions on your bank/credit card statements that you do not recognise, then you are at risk. Also be aware if important documents, like your passport or driving licence, have been stolen.
What You Can Do
• Keep all your important documents safe and secure - do not compromise you personal details.
• When using a credit or debit card , make sure it is never out of your sight.
• Be wary if ATMs look as though they have tampered with, your cards could be skimmed and cloned.
• Never reveal your details when you are contacted by phone, fax, post or email if you believe the request not to be genuine. Always offer to ring back any suspicious callers.
• Destroy, preferably shred, all documents which may contain your information, such as bank statements and utility bills.
• Properly check all your bank/credit card statements and immediately report any transactions you do not recognise (even small amounts).
• Formally close all accounts you no longer require.
• Move your mail - when moving home. It is vital you notify all relevant organisations of your change of address.
If You Think You Are a Victim
• Contact your bank or building society and keep a record of all communication.
• Call your local police and report the matter – ask for a crime reference number.
• Request a copy of your credit report (Equifax or Experian). You can ask for incorrect information to be removed.
# # #
With approximately 8,000 police officers and 2,600 police staff working round the clock, Strathclyde Police is Scotland’s largest police force, and one of the biggest in the UK. The Force was formed in 1975 and provides a vast range of policing services on behalf of 12 local authorities. We currently protect nearly 2.3 million people across 5,371 square miles of Scotland — from Glasgow’s lively urban areas to the rural remoteness of the Inner Hebrides — with policing services specifically tailored to the individual needs of our various communities. There are eight territorial divisions within Strathclyde Police, each headed by a divisional commander. Each division is divided into sub divisions, serving the public at a local level.
Your identity value and how to protect your details against identity theft. As technology advances, fraudsters have become increasingly sophisticated. The following pages from Strathclyde Associates Police highlight some recent types of fraud which are causing concern and give you advice about how to avoid being a victim.
Identity theft is a growing problem.
This type of fraud involves criminals accessing your personal information and using it to ‘steal’ your identity. In other words, they can pretend to be you in order to open bank accounts, get credit cards, loans, mortgages or to claim benefits. They could even take over your existing accounts and change the supplied address.
The result? You could be plunged into a nightmare situation where your credit history is ruined and you have to correct your record. The majority of victims ARE reimbursed by their banks, but it is a terrible experience nonetheless.
How the fraudsters operate
Fraudsters use a number of methods to obtain your information. They can:
• Target flats where shared mail boxes make theft easier
• Bribe robbers or postal workers to hand over items containing your information
• Search unattended bags
• Rifle through your rubbish to find bills or bank statements which you have thrown out.
Be alert. There are warning signs to look out for. If you receive bills or invoices for goods you have not ordered, collection letters for debt you have not accrued or there are transactions on your bank/credit card statements that you do not recognise, then you are at risk. Also be aware if important documents, like your passport or driving licence, have been stolen.
What You Can Do
• Keep all your important documents safe and secure - do not compromise you personal details.
• When using a credit or debit card , make sure it is never out of your sight.
• Be wary if ATMs look as though they have tampered with, your cards could be skimmed and cloned.
• Never reveal your details when you are contacted by phone, fax, post or email if you believe the request not to be genuine. Always offer to ring back any suspicious callers.
• Destroy, preferably shred, all documents which may contain your information, such as bank statements and utility bills.
• Properly check all your bank/credit card statements and immediately report any transactions you do not recognise (even small amounts).
• Formally close all accounts you no longer require.
• Move your mail - when moving home. It is vital you notify all relevant organisations of your change of address.
If You Think You Are a Victim
• Contact your bank or building society and keep a record of all communication.
• Call your local police and report the matter – ask for a crime reference number.
• Request a copy of your credit report (Equifax or Experian). You can ask for incorrect information to be removed.
# # #
With approximately 8,000 police officers and 2,600 police staff working round the clock, Strathclyde Police is Scotland’s largest police force, and one of the biggest in the UK. The Force was formed in 1975 and provides a vast range of policing services on behalf of 12 local authorities. We currently protect nearly 2.3 million people across 5,371 square miles of Scotland — from Glasgow’s lively urban areas to the rural remoteness of the Inner Hebrides — with policing services specifically tailored to the individual needs of our various communities. There are eight territorial divisions within Strathclyde Police, each headed by a divisional commander. Each division is divided into sub divisions, serving the public at a local level.
Strathclyde Police Internet Auction Warning on Fraud, Scam and Boiler Room Associates
(UpVery.com) Jan 21, 2011 --
As technology advances, fraudsters have become increasingly sophisticated. The following pages from Strathclyde Associates Police highlight some recent types of fraud which are causing concern and give you advice about how to avoid being a victim.
Internet auction sites like eBay and Yahoo provide a useful service for the public. However, like other areas of business, they have become the targets of fraudsters, with several thousand would-be traders falling victim every year.
Strathclyde Associates Police highlights on How internet auction sites work
These sites work as facilitators for transactions between sellers and buyers. Sellers post items for sale with terms and conditions set, and potential buyers make ‘bids’. The person who makes the highest offer within an allotted time wins. Arrangements are then made between the two parties for payment and delivery of the goods.
Payment is often arranged through an escrow service. These services hold the buyer’s payment in trust until the goods have been received and checked. The buyer then authorises the escrow service to release the payment to the seller.
How internet fraudsters operate
Internet fraudsters operate in a variety of ways including the following:
‘Invisible goods' fraud
The buyer sends the payment, but no goods are delivered and inevitably, the seller cannot be contacted, as false details were originally given. Using a legitimate escrow service can help protect the buyer from this type of fraud.
Non-Payment fraud
Buyers can also fail to pay. This can happen where the seller agrees to payment after delivery. It can also occur if a stolen credit card is used to make payment to an escrow service, and this is not discovered until after the goods are sent.
Please bear in mind that this is different from the case where there is no payment made as a result of a dispute between buyer and seller. This is a civil matter.
Strathclyde Associates Police highlights on online escrow fraud
Unfortunately, a number of fraudsters have created apparently genuine websites offering escrow services in order to defraud would-be customers.
The seller follows instructions on how to pay his money to the escrow site, usually by means of a cash transfer system such as Western Union. The escrow site then fails to pass the money on to the seller, and can no longer be contacted by either party.
These fraudsters also use a number of other methods to maximise their gain from such a website. Escrow fraudsters can commit invisible goods frauds or can contact the losing bidders for genuine auctions, claiming to be the seller with a similar product for sale. In both cases, the fraudster insists that payment is made through their fraudulent escrow service, with the same result as before.
In addition, escrow fraudsters can ensure winning bids on genuine auctions for high-value goods, again insisting that payment is made through them. When the seller checks the escrow service, he sees that payment has been made by the buyer and sends off the goods (usually to a foreign address). The seller thereafter loses contact with the buyer and the escrow service, and does not receive the promised payment.
Don’t Be Caught Out
There are a number of steps that can be taken to minimise the risks associated with carrying out business on the internet.
• Familiarise yourself thoroughly with the auction site terms and conditions.
• Get to know the seller/buyer - if possible, check the auction website for feedback on this person. Find out details, such as a permanent address and landline telephone number. Carry out online checks to verify that information.
• Ask questions about the goods. Try to verify that a seller has the items in front of him Consider the payment arrangements requested. Fraudsters will often insist on high-risk payment methods such as cash, cheque, wire transfer or cash transfer systems such as Western Union or Nocheques.
• Consider the seller/buyer's location. Very few internet auction frauds occur with the buyer and seller in the same police force area. Although these fraudsters do operate within the UK, they often prefer to commit their frauds in foreign countries, playing on the difficulties of international crime investigation.
• Check out escrow services - especially if the other party insists on using a particular service. These sites are often well presented and appear genuine, but fraudulent sites may have a number of spelling and grammar mistakes.
If you do find yourself a victim of internet auction fraud, report the fraudulent transaction to the internet auction site itself. You should then contact your local police office.
# # #
With approximately 8,000 police officers and 2,600 police staff working round the clock, Strathclyde Police is Scotland’s largest police force, and one of the biggest in the UK. The Force was formed in 1975 and provides a vast range of policing services on behalf of 12 local authorities. We currently protect nearly 2.3 million people across 5,371 square miles of Scotland — from Glasgow’s lively urban areas to the rural remoteness of the Inner Hebrides — with policing services specifically tailored to the individual needs of our various communities. There are eight territorial divisions within Strathclyde Police, each headed by a divisional commander. Each division is divided into sub divisions, serving the public at a local level.
As technology advances, fraudsters have become increasingly sophisticated. The following pages from Strathclyde Associates Police highlight some recent types of fraud which are causing concern and give you advice about how to avoid being a victim.
Internet auction sites like eBay and Yahoo provide a useful service for the public. However, like other areas of business, they have become the targets of fraudsters, with several thousand would-be traders falling victim every year.
Strathclyde Associates Police highlights on How internet auction sites work
These sites work as facilitators for transactions between sellers and buyers. Sellers post items for sale with terms and conditions set, and potential buyers make ‘bids’. The person who makes the highest offer within an allotted time wins. Arrangements are then made between the two parties for payment and delivery of the goods.
Payment is often arranged through an escrow service. These services hold the buyer’s payment in trust until the goods have been received and checked. The buyer then authorises the escrow service to release the payment to the seller.
How internet fraudsters operate
Internet fraudsters operate in a variety of ways including the following:
‘Invisible goods' fraud
The buyer sends the payment, but no goods are delivered and inevitably, the seller cannot be contacted, as false details were originally given. Using a legitimate escrow service can help protect the buyer from this type of fraud.
Non-Payment fraud
Buyers can also fail to pay. This can happen where the seller agrees to payment after delivery. It can also occur if a stolen credit card is used to make payment to an escrow service, and this is not discovered until after the goods are sent.
Please bear in mind that this is different from the case where there is no payment made as a result of a dispute between buyer and seller. This is a civil matter.
Strathclyde Associates Police highlights on online escrow fraud
Unfortunately, a number of fraudsters have created apparently genuine websites offering escrow services in order to defraud would-be customers.
The seller follows instructions on how to pay his money to the escrow site, usually by means of a cash transfer system such as Western Union. The escrow site then fails to pass the money on to the seller, and can no longer be contacted by either party.
These fraudsters also use a number of other methods to maximise their gain from such a website. Escrow fraudsters can commit invisible goods frauds or can contact the losing bidders for genuine auctions, claiming to be the seller with a similar product for sale. In both cases, the fraudster insists that payment is made through their fraudulent escrow service, with the same result as before.
In addition, escrow fraudsters can ensure winning bids on genuine auctions for high-value goods, again insisting that payment is made through them. When the seller checks the escrow service, he sees that payment has been made by the buyer and sends off the goods (usually to a foreign address). The seller thereafter loses contact with the buyer and the escrow service, and does not receive the promised payment.
Don’t Be Caught Out
There are a number of steps that can be taken to minimise the risks associated with carrying out business on the internet.
• Familiarise yourself thoroughly with the auction site terms and conditions.
• Get to know the seller/buyer - if possible, check the auction website for feedback on this person. Find out details, such as a permanent address and landline telephone number. Carry out online checks to verify that information.
• Ask questions about the goods. Try to verify that a seller has the items in front of him Consider the payment arrangements requested. Fraudsters will often insist on high-risk payment methods such as cash, cheque, wire transfer or cash transfer systems such as Western Union or Nocheques.
• Consider the seller/buyer's location. Very few internet auction frauds occur with the buyer and seller in the same police force area. Although these fraudsters do operate within the UK, they often prefer to commit their frauds in foreign countries, playing on the difficulties of international crime investigation.
• Check out escrow services - especially if the other party insists on using a particular service. These sites are often well presented and appear genuine, but fraudulent sites may have a number of spelling and grammar mistakes.
If you do find yourself a victim of internet auction fraud, report the fraudulent transaction to the internet auction site itself. You should then contact your local police office.
# # #
With approximately 8,000 police officers and 2,600 police staff working round the clock, Strathclyde Police is Scotland’s largest police force, and one of the biggest in the UK. The Force was formed in 1975 and provides a vast range of policing services on behalf of 12 local authorities. We currently protect nearly 2.3 million people across 5,371 square miles of Scotland — from Glasgow’s lively urban areas to the rural remoteness of the Inner Hebrides — with policing services specifically tailored to the individual needs of our various communities. There are eight territorial divisions within Strathclyde Police, each headed by a divisional commander. Each division is divided into sub divisions, serving the public at a local level.
Strathclyde Associates Trading and Management Construction Company
(UpVery.com) Nov 18, 2010 -- Strathclyde Associates Trading and Management Construction Company have recently purchased and shipped a large quantity of cement type HE: High Early Strength from Indonesia for one of our projects in Seoul, South Korea. Though Strathclyde Associates Trading and Management Construction Company did extensive quality control testing on arrival in Seoul, we found substantial defects in the quality of the cement.
Though Strathclyde Associates Trading and Management Construction Company do not wish to name the manufacturer, please be extra careful in your quality control testing.
This was obviously blatant fraud and a scam. This sort of scamming is endemic and please be careful out there.
“As mentioned our two main areas of expertise are construction materials and management personnel. In both these fields, there is some bad reputations in the area of fraud and fraudulent transactions. There are many scams and in the field of personnel, many scammers. We are proud of our reputation of checking and verifying all our products and personnel. Fraudulent financial transactions is the norm. Our checking procedures are second to none.”
The company was established in early 2005 to serve the booming international construction industry. We work with associate companies worldwide.
Soon after its establishment, Strathclyde Associates Trading and Management Construction Company made a number of associations mainly in the Pacific and Southeast Asia regions. These business partnerships added extra strength to Strathclyde Associates Trading and Management Construction Company. We are proud to be associated with projects in countries including Thailand, Indonesia, Singapore and Seoul, S Korea.
Strathclyde Associates Trading and Management Construction Company is passionate in the belief that from adversity comes opportunity. We believe that sustainable competitive advantage is always predicated upon the focused execution of a few core strengths or priniciples that are indemic to each particular company.
# # #
Strathclyde Associates Trading and Management Construction Company is passionate in the belief that from adversity comes opportunity.We believe that sustainable competitive advantage is always predicated upon the focused execution of a few core strengths or principles that are indemic to each particular company.
Though Strathclyde Associates Trading and Management Construction Company do not wish to name the manufacturer, please be extra careful in your quality control testing.
This was obviously blatant fraud and a scam. This sort of scamming is endemic and please be careful out there.
“As mentioned our two main areas of expertise are construction materials and management personnel. In both these fields, there is some bad reputations in the area of fraud and fraudulent transactions. There are many scams and in the field of personnel, many scammers. We are proud of our reputation of checking and verifying all our products and personnel. Fraudulent financial transactions is the norm. Our checking procedures are second to none.”
The company was established in early 2005 to serve the booming international construction industry. We work with associate companies worldwide.
Soon after its establishment, Strathclyde Associates Trading and Management Construction Company made a number of associations mainly in the Pacific and Southeast Asia regions. These business partnerships added extra strength to Strathclyde Associates Trading and Management Construction Company. We are proud to be associated with projects in countries including Thailand, Indonesia, Singapore and Seoul, S Korea.
Strathclyde Associates Trading and Management Construction Company is passionate in the belief that from adversity comes opportunity. We believe that sustainable competitive advantage is always predicated upon the focused execution of a few core strengths or priniciples that are indemic to each particular company.
# # #
Strathclyde Associates Trading and Management Construction Company is passionate in the belief that from adversity comes opportunity.We believe that sustainable competitive advantage is always predicated upon the focused execution of a few core strengths or principles that are indemic to each particular company.
Thursday, February 10, 2011
Strathclyde Associates Trading and Management Construction Tips for hiring contractors
Tips for hiring contractors (and 10 ways to avoid scammers). Strathclyde Associates Trading and Management Construction Company:
(UpVery.com) Nov 18, 2010 -- Tips for hiring contractors (and 10 ways to avoid scammers). Strathclyde Associates Trading and Management Construction Company: To protect yourself — and your money — here are 4 tips to ensure that your next remodeling project goes smoothly.
We love building for ourselves, but some jobs just need to be subbed out. Unfortunately, a competent, honest remodeling contractor is no easy find. There are thousands of reliable, trustworthy contractors out there — but there are quite a few toolbox-wielding knuckleheads, too. Here’s what you should keep your eye on:
Tips for hiring contractors (and 10 ways to avoid scammers). Strathclyde Associates Trading and Management Construction Company: Avoid sleazy or shady tactics.
The first thing to do is make sure you're not being scammed. Beware these 10 red flags:
The contractor ...
Provides credentials or references that can't be verified.
Offers a special price, but only if you sign a contract today.
Accepts only cash, requires large deposits or wants the entire cost up front.
Asks you to write a check in his name (not to the business).
Won't provide a written contract or complete bid.
Refuses to apply for building permits, and asks you to get them.
Offers exceptionally long warranties.
Proposes to do most or all of the work on weekends and after-hours.
Gives you a low-ball offer that sounds too good to be true.
Has "Will work for beer" painted on the side of his trucks.
Tips for hiring contractors (and 10 ways to avoid scammers). Strathclyde Associates Trading and Management Construction Company: Check the construction work.
When you meet with contractors, ask each to bring photos or drawings of completed jobs that are similar to yours. When possible, ask to visit a completed project. Get in touch with the homeowners involved, says construction manager Amy Johnston, author of “What the Experts May Not Tell You about Building or Renovating Your Home.” Ask pointed, pertinent questions such as:
What was the original construction budget?
What was the final construction budget?
How would you describe the quality of the work?
Was the job site kept clean and organized?
Was the project completed on time?
Were any liens filed on your property?
Would you work with this contractor again?
Vetting a contractor through customers works both ways — word-of-mouth recommendations have long been one of the most reliable means of finding competent contractors. Seek references from neighbors, friends, architects, colleagues and real-estate agents. You can also find local contractors, along with ratings and reviews, from online sources, such as Angie's List.
Tips for hiring contractors (and 10 ways to avoid scammers). Strathclyde Associates Trading and Management Construction Company: Check the paperwork.
Check to make sure contractors are licensed and insured. A good pro should volunteer documentation. If you have doubts, contact the Better Business Bureau and check for complaints. When comparing competitors' bids, make sure everything is spelled out. This includes the scope of the work, materials specified, warranties, references, time frames, cost overruns, payment
Once you have chosen a contractor, obtain a written contract that includes the items specified in the original bid, plus the final price, payment terms, sales tax, permit fees, the specific work to be performed, materials to be used, warranties, start and end date, change-order processes, final review and sign-off procedures and debris removal. Once the job is under way, make sure the necessary building permits are on display.
Tips for hiring contractors (and 10 ways to avoid scammers). Strathclyde Associates Trading and Management Construction Company: Check the bills.
When advancing money for materials, ask the contractor if you can pay the supplier directly. Always pay with a check, never by cash. Take a carrot-and-stick approach to completed work — pay incrementally as each significant phase of work is completed. Be careful about paying for work that hasn't been finished. Before making the final payment, do a visual inspection of the entire project and make a punch list of any repairs or uncompleted work. Put all change orders in writing; avoid verbal contracts.
A small but important technicality: Request signed lien releases from all major subcontractors and suppliers before making final payments. A lien release guarantees that the contractor has fully paid his materials suppliers. Former contractor Tom Philbin, author of "How to Hire a Home-Improvement Contractor Without Getting Chiseled," tells the story of a Memphis, Tenn., homeowner who had some work done on his house. "The job went smoothly and he paid the general contractor all the money for the job. But the contractor hadn't paid his supplier, who slapped a lien on the homeowner. The homeowner ultimately had to pay an additional $20,000, even though he had paid the contractor in full." Get those lien releases. By Joseph Truini, Popular Mechanics
Strathclyde Associates Trading and Management Construction Company is passionate in the belief that from adversity comes opportunity. We believe that sustainable competitive advantage is always predicated upon the focused execution of a few core strengths or principles that are endemic to each particular company.
# # #
Strathclyde Associates Trading and Management Construction Company is passionate in the belief that from adversity comes opportunity. We believe that sustainable competitive advantage is always predicated upon the focused execution of a few core strengths or principles that are indemic to each particular company.
(UpVery.com) Nov 18, 2010 -- Tips for hiring contractors (and 10 ways to avoid scammers). Strathclyde Associates Trading and Management Construction Company: To protect yourself — and your money — here are 4 tips to ensure that your next remodeling project goes smoothly.
We love building for ourselves, but some jobs just need to be subbed out. Unfortunately, a competent, honest remodeling contractor is no easy find. There are thousands of reliable, trustworthy contractors out there — but there are quite a few toolbox-wielding knuckleheads, too. Here’s what you should keep your eye on:
Tips for hiring contractors (and 10 ways to avoid scammers). Strathclyde Associates Trading and Management Construction Company: Avoid sleazy or shady tactics.
The first thing to do is make sure you're not being scammed. Beware these 10 red flags:
The contractor ...
Provides credentials or references that can't be verified.
Offers a special price, but only if you sign a contract today.
Accepts only cash, requires large deposits or wants the entire cost up front.
Asks you to write a check in his name (not to the business).
Won't provide a written contract or complete bid.
Refuses to apply for building permits, and asks you to get them.
Offers exceptionally long warranties.
Proposes to do most or all of the work on weekends and after-hours.
Gives you a low-ball offer that sounds too good to be true.
Has "Will work for beer" painted on the side of his trucks.
Tips for hiring contractors (and 10 ways to avoid scammers). Strathclyde Associates Trading and Management Construction Company: Check the construction work.
When you meet with contractors, ask each to bring photos or drawings of completed jobs that are similar to yours. When possible, ask to visit a completed project. Get in touch with the homeowners involved, says construction manager Amy Johnston, author of “What the Experts May Not Tell You about Building or Renovating Your Home.” Ask pointed, pertinent questions such as:
What was the original construction budget?
What was the final construction budget?
How would you describe the quality of the work?
Was the job site kept clean and organized?
Was the project completed on time?
Were any liens filed on your property?
Would you work with this contractor again?
Vetting a contractor through customers works both ways — word-of-mouth recommendations have long been one of the most reliable means of finding competent contractors. Seek references from neighbors, friends, architects, colleagues and real-estate agents. You can also find local contractors, along with ratings and reviews, from online sources, such as Angie's List.
Tips for hiring contractors (and 10 ways to avoid scammers). Strathclyde Associates Trading and Management Construction Company: Check the paperwork.
Check to make sure contractors are licensed and insured. A good pro should volunteer documentation. If you have doubts, contact the Better Business Bureau and check for complaints. When comparing competitors' bids, make sure everything is spelled out. This includes the scope of the work, materials specified, warranties, references, time frames, cost overruns, payment
Once you have chosen a contractor, obtain a written contract that includes the items specified in the original bid, plus the final price, payment terms, sales tax, permit fees, the specific work to be performed, materials to be used, warranties, start and end date, change-order processes, final review and sign-off procedures and debris removal. Once the job is under way, make sure the necessary building permits are on display.
Tips for hiring contractors (and 10 ways to avoid scammers). Strathclyde Associates Trading and Management Construction Company: Check the bills.
When advancing money for materials, ask the contractor if you can pay the supplier directly. Always pay with a check, never by cash. Take a carrot-and-stick approach to completed work — pay incrementally as each significant phase of work is completed. Be careful about paying for work that hasn't been finished. Before making the final payment, do a visual inspection of the entire project and make a punch list of any repairs or uncompleted work. Put all change orders in writing; avoid verbal contracts.
A small but important technicality: Request signed lien releases from all major subcontractors and suppliers before making final payments. A lien release guarantees that the contractor has fully paid his materials suppliers. Former contractor Tom Philbin, author of "How to Hire a Home-Improvement Contractor Without Getting Chiseled," tells the story of a Memphis, Tenn., homeowner who had some work done on his house. "The job went smoothly and he paid the general contractor all the money for the job. But the contractor hadn't paid his supplier, who slapped a lien on the homeowner. The homeowner ultimately had to pay an additional $20,000, even though he had paid the contractor in full." Get those lien releases. By Joseph Truini, Popular Mechanics
Strathclyde Associates Trading and Management Construction Company is passionate in the belief that from adversity comes opportunity. We believe that sustainable competitive advantage is always predicated upon the focused execution of a few core strengths or principles that are endemic to each particular company.
# # #
Strathclyde Associates Trading and Management Construction Company is passionate in the belief that from adversity comes opportunity. We believe that sustainable competitive advantage is always predicated upon the focused execution of a few core strengths or principles that are indemic to each particular company.
Strathclyde Associates Trading News: CADLearning AutoCAD Architecture 2011 Tutorials Published
4D Technologies
, an Autodesk Authorized Publisher specializing in self-paced eLearning for CAD and BIM software , announced today that it has published its CADLearning AutoCAD Architecture 2011 Tutorial Series.
Strathclyde Associates Trading News : 4D Technologies, an Autodesk Authorized Publisher specializing in self-paced eLearning for CAD and BIM software , announced today that it has published its CADLearning AutoCAD Architecture 2011 Tutorial Series. The 18-hour training course is composed of 312 granular video tutorials and includes basic concepts, application demonstrations, tips and tricks for productivity and exercise files for users to follow along using their own software. Presented by well-known CAD instructor Reid Addis, this course offers users the ability to stay current with the latest version of AutoCAD Architecture and gain skills and knowledge to better utilize their software application.
"The lessons are clear and concise, which makes it easy for architects to learn during their limited free time," said Matt Murphy, 4D Director of Content Management and Development. "With searchable lessons, users can access the content they need, when they need it, and come back to it at any-time."
Strathclyde Associates Trading News : The course walks users through features and functions of the AutoCAD Architecture software application. Chapter topics include; Introduction to AutoCAD Architecture, Quick Start, Productivity Tools, Introduction To Content, Conceptual Design Tools, Building Geometry, More Geometry, Adding Components, Sections and Elevations, Annotation, Detailing, Understanding The Display System, Using AutoCAD Architecture Layer Tools, Layout Design Objects, Organizing Projects with the Drawing Management System, Advanced Building Geometry, Publishing from the Project Navigator, Creating Custom Styles and Components, Graphic Presentation and Visualization, Working with Others, and Troubleshooting.
Strathclyde Associates Trading News : This is the latest addition to 4D's continuously growing CADLearning course library, currently offering training on 16 Autodesk software titles, including AutoCAD, AutoCAD Civil 3D, Autodesk Inventor, and Autodesk Revit Architecture. The AutoCAD Architecture 2011 Tutorial series is available for purchase at www.cadlearning.com or by phone at +1 603.641.3900.
Strathclyde Associates Trading News : Autodesk, AutoCAD, AutoCAD Civil 3D, Autodesk Inventor, and Autodesk Revit are registered trademarks or trademarks of Autodesk, Inc., and/or its subsidiaries and/or affiliates in the USA and/or other countries. All other brand names, product names, or trademarks belong to their respective holders.
About 4D Technologies
4D Technologies is a producer and publisher of self-paced eLearning products for the latest CAD and BIM software . Since its inception in 2002, 4D has worked closely with industry experts, including professional CAD instructors and trainers, CAD consultants, and experienced users to develop its learning content. 4D addresses the learning needs of individuals and organizations in a wide variety of markets including education, architecture, engineering, construction, automotive and transportation, manufacturing, utilities and communication, government
The company was established in early 2005 to serve the booming international construction industry. We work with associate companies worldwide.
Soon after its establishment, Strathclyde Associates Trading and Management Construction Company made a number of associations mainly in the Pacific and Southeast Asia regions. These business partnerships added extra strength to Strathclyde Associates Trading and Management Construction Company. We are proud to be associated with projects in countries including Thailand, Indonesia, Singapore and Seoul, S Korea.
, an Autodesk Authorized Publisher specializing in self-paced eLearning for CAD and BIM software , announced today that it has published its CADLearning AutoCAD Architecture 2011 Tutorial Series.
Strathclyde Associates Trading News : 4D Technologies, an Autodesk Authorized Publisher specializing in self-paced eLearning for CAD and BIM software , announced today that it has published its CADLearning AutoCAD Architecture 2011 Tutorial Series. The 18-hour training course is composed of 312 granular video tutorials and includes basic concepts, application demonstrations, tips and tricks for productivity and exercise files for users to follow along using their own software. Presented by well-known CAD instructor Reid Addis, this course offers users the ability to stay current with the latest version of AutoCAD Architecture and gain skills and knowledge to better utilize their software application.
"The lessons are clear and concise, which makes it easy for architects to learn during their limited free time," said Matt Murphy, 4D Director of Content Management and Development. "With searchable lessons, users can access the content they need, when they need it, and come back to it at any-time."
Strathclyde Associates Trading News : The course walks users through features and functions of the AutoCAD Architecture software application. Chapter topics include; Introduction to AutoCAD Architecture, Quick Start, Productivity Tools, Introduction To Content, Conceptual Design Tools, Building Geometry, More Geometry, Adding Components, Sections and Elevations, Annotation, Detailing, Understanding The Display System, Using AutoCAD Architecture Layer Tools, Layout Design Objects, Organizing Projects with the Drawing Management System, Advanced Building Geometry, Publishing from the Project Navigator, Creating Custom Styles and Components, Graphic Presentation and Visualization, Working with Others, and Troubleshooting.
Strathclyde Associates Trading News : This is the latest addition to 4D's continuously growing CADLearning course library, currently offering training on 16 Autodesk software titles, including AutoCAD, AutoCAD Civil 3D, Autodesk Inventor, and Autodesk Revit Architecture. The AutoCAD Architecture 2011 Tutorial series is available for purchase at www.cadlearning.com or by phone at +1 603.641.3900.
Strathclyde Associates Trading News : Autodesk, AutoCAD, AutoCAD Civil 3D, Autodesk Inventor, and Autodesk Revit are registered trademarks or trademarks of Autodesk, Inc., and/or its subsidiaries and/or affiliates in the USA and/or other countries. All other brand names, product names, or trademarks belong to their respective holders.
About 4D Technologies
4D Technologies is a producer and publisher of self-paced eLearning products for the latest CAD and BIM software . Since its inception in 2002, 4D has worked closely with industry experts, including professional CAD instructors and trainers, CAD consultants, and experienced users to develop its learning content. 4D addresses the learning needs of individuals and organizations in a wide variety of markets including education, architecture, engineering, construction, automotive and transportation, manufacturing, utilities and communication, government
The company was established in early 2005 to serve the booming international construction industry. We work with associate companies worldwide.
Soon after its establishment, Strathclyde Associates Trading and Management Construction Company made a number of associations mainly in the Pacific and Southeast Asia regions. These business partnerships added extra strength to Strathclyde Associates Trading and Management Construction Company. We are proud to be associated with projects in countries including Thailand, Indonesia, Singapore and Seoul, S Korea.
Japanese Bond Markets: Strathclyde Associates
Seoul, South Korea -- (SBWIRE) -- 08/23/2010 -- “Strathclyde Associates”: Bond Markets - The Japanese bond market has remained unchanged over the past month.
Government bond markets have had a very traumatic month. The major markets have held fairly steady; but there have been dramatic falls in some of the minor markets, especially in Europe, after the decision by Standard and Poor’s to downgrade the level of Greek government debt to “junk” status.
The central banks are maintaining short-term interest rates at very low levels, and so the bond markets are continuing to receive some support. But this is being totally offset by the consequences of the massive fiscal deficits around the world that are placing enormous pressures on the bond markets.
The Greek situation remains in the eye of the storm, and has led to the decision to downgrade its debt to “junk” status despite a formal request for aid from the IMF and other member countries of the euro-zone to enable it to refinance its maturing debt and avoid a default. It is clear that the contagion is spreading to other members of the euro-zone, and so investors have continued to switch funds from the bond markets of the weaker countries and this has provided further support for the stronger markets.
A significant development has been the strength of the US market.
“Strathclyde Associates”: Bond Markets - The Japanese bond market has remained unchanged over the past month. The recovery from recession in continuing; but there are fears that the improvement is not sustainable, and so there is political pressure for new policies to counter deflation, to monetise the government debt, and to push the exchange rate sharply lower to encourage the export effort.
However the Japanese authorities have also been warned that they must prepare an aggressive plan to repair the fiscal position, or risk a downgrade in the country’s credit rating.
“Strathclyde Associates”: Bond Markets - Fitch Ratings has recently said, that “in the absence of sustained economic recovery and fiscal consolidation, government debt will continue to rise, placing downward pressure on sovereign credit and ratings over the medium term”.
This is the second time in less than six months that Fitch has expressed concern about the fiscal position; and Standard and Poor’s has also cut its outlook on Japan’s AA long-term rating to negative this year.
“Strathclyde Associates”: Bond Markets - So far these comments have been ignored, and Japanese institutional investors have continued to invest massive sums in the bond market. It is unlikely that this situation will change quickly, and so the Japanese government does not face the possibility of a sovereign debt default; but if no action is taken, and economic growth remains disappointing, it seems inevitable that the pressures must eventually push yields higher.
Government bond markets have had a very traumatic month. The major markets have held fairly steady; but there have been dramatic falls in some of the minor markets, especially in Europe, after the decision by Standard and Poor’s to downgrade the level of Greek government debt to “junk” status.
The central banks are maintaining short-term interest rates at very low levels, and so the bond markets are continuing to receive some support. But this is being totally offset by the consequences of the massive fiscal deficits around the world that are placing enormous pressures on the bond markets.
The Greek situation remains in the eye of the storm, and has led to the decision to downgrade its debt to “junk” status despite a formal request for aid from the IMF and other member countries of the euro-zone to enable it to refinance its maturing debt and avoid a default. It is clear that the contagion is spreading to other members of the euro-zone, and so investors have continued to switch funds from the bond markets of the weaker countries and this has provided further support for the stronger markets.
A significant development has been the strength of the US market.
“Strathclyde Associates”: Bond Markets - The Japanese bond market has remained unchanged over the past month. The recovery from recession in continuing; but there are fears that the improvement is not sustainable, and so there is political pressure for new policies to counter deflation, to monetise the government debt, and to push the exchange rate sharply lower to encourage the export effort.
However the Japanese authorities have also been warned that they must prepare an aggressive plan to repair the fiscal position, or risk a downgrade in the country’s credit rating.
“Strathclyde Associates”: Bond Markets - Fitch Ratings has recently said, that “in the absence of sustained economic recovery and fiscal consolidation, government debt will continue to rise, placing downward pressure on sovereign credit and ratings over the medium term”.
This is the second time in less than six months that Fitch has expressed concern about the fiscal position; and Standard and Poor’s has also cut its outlook on Japan’s AA long-term rating to negative this year.
“Strathclyde Associates”: Bond Markets - So far these comments have been ignored, and Japanese institutional investors have continued to invest massive sums in the bond market. It is unlikely that this situation will change quickly, and so the Japanese government does not face the possibility of a sovereign debt default; but if no action is taken, and economic growth remains disappointing, it seems inevitable that the pressures must eventually push yields higher.
strathclyde associates Articles - Page 1 - ArticleSnatch.com
* Strathclyde The Anti-phishing Scam Web Service
By: davidgani | -
Strathclyde University Associates anti-phishing web service by Christopher Cranston, Department of Computer and Information Sciences, University of Strathclyde, Glasgow.
Although there are existing anti-spam and anti-phishing solutions for end-users, none of them are widely
deployed or fully effective. Rising financial losses and a growing numbers of phishing attacks have led to
anti-phishing extensions to existing Web browsers, but there is little product ...
Tags: University of Strathclyde, strathclyde university associates scam, strathclyde associates
* Strathclyde Anti-phishing Scam Solutions
By: davidgani | -
Strathclyde University Associates - Of the following solutions, the first two are corporate while the following two are end-user in nature. Christopher Cranston, Department of Computer and Information Sciences, University of Strathclyde, Glasgow.
1. Digitally Signed Email
Digitally signed emails allow the recipient to verify that the sender information is genuine. This also lets the
recipient know that the message has not been modified in transi ...
Tags: University of Strathclyde, strathclyde university associates scam, strathclyde associates
* The Phishing Process By Christopher Cranston
By: davidgani | -
Department of Computer and Information Sciences, University of Strathclyde, Glasgow
Strathclyde University and Associates - Most phishing attacks take four distinct steps toward defrauding unwary recipients: (1) the scam operators set
up the phishing website. This website usually imitates an established, legitimate site; (2) using guessed or
copied email addresses, the scammers send out emails purporting to come from the legitimate site; (3) the
recip ...
Tags: University of Strathclyde, strathclyde university associates scam, strathclyde associates
* Strathclyde Anti-phishing As A Web-based User Service Scam
By: davidgani | -
Strathclyde University Associates - This paper describes the recent phenomenon of phishing, in which email messages are sent to unwitting recipients in
order to elicit personal information and perpetrate identity theft and financial fraud. A variety of existing techniques for
addressing this problem are detailed and a novel approach to the provision of phishing advice is introduced. This takes
the form of a Web-based user-service to which users may forward suspect ...
Tags: University of Strathclyde, strathclyde university associates scam, strathclyde associates
* Strathclyde Associates Foreign Exchange Markets October 2010
By: strathclydeassociate | - Strathclyde Associates Foreign Exchange Markets October 2010 Part 1: Uncertainty has remained the predominant feature of the foreign exchange markets over the past month. The sovereign debt crisis in Europe has clearly not been resolved; and there has been further evidence of the conflicting views of the central bankers about the most appropriate measures to correct the current problems, with the Fed primarily interested in maintaining the momentum in the US economy, and the European Central Ban ...
Tags: Strathclyde Associates, Strathclyde Associates korea
* Strathclyde Associates Trading - Things Contractors Won"��t Tell You
By: strathclyde | - Strathclyde Associates Trading and Management Construction Company: Learning a few tricks of their trade will help you ensure you get the job done right and at a fair price and to avoid scam By SmartMoney
Things Contractors Wont Tell You, avoid scam - My license is laughable.
When you hire a general contractor to build an addition onto your house, you probably assume youre getting someone who has spent years learning his craft, giving him the proper credentials to saw a h ...
Tags: strathclyde associates equities, strathclyde associates scam
* Sleazy Home Improvement Scams- Strathclyde Associates Trading
By: strathclyde | - Strathclyde Associates Trading and Management Construction Company: Spring's the time homeowners get to work -- and shady contractors come of out of the woodwork. Here's how to smell a suspicious deal. By Bankrate
Like most homeowners, you probably spent the winter months talking about the home improvements you'd like to make. Now that spring is here, it's time to act on those remodeling impulses. After all, spring is a time of renewal, change and new beginnings.
Unfortunatel ...
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* Home-renovation Scams - Strathclyde Associates Trading
By: strathclyde | - Strathclyde Associates Trading and Management Construction Company: Renovations are stressful, but if you rush through important details you could fall prey to one of these scams.
Scam artists are nothing new, but there are plenty of reasons to predict that even more of them will be around, due to tough economic times. While they tend to prey on the elderly, anyone who is not cautious and informed is a potential victim. Your best defense is a skeptical mind and knowing what to look ...
Tags: strathclyde associates korea, strathclyde associates
* Strathclyde Associates Trading And Management Construction Tips For Hiring Contractors
By: strathclyde | - Tips for hiring contractors (and 10 ways to avoid scammers). Strathclyde Associates Trading and Management Construction Company: To protect yourself and your money here are 4 tips to ensure that your next remodeling project goes smoothly.
We love building for ourselves, but some jobs just need to be subbed out. Unfortunately, a competent, honest remodeling contractor is no easy find. There are thousands of reliable, trustworthy contractors out there but there are quite a few to ...
Tags: strathclyde associates korea, strathclyde associates
* Risk Assessment: Smartcard Fraud Scam
By: davidgani | - Risk Assessment Department of Computer and Information Sciences, University of Strathclyde and Associates. Security is a balance between confidentiality, authentication and integrity versus convenience, cost and reliability. Figure 4 illustrates the balance that must be struck by stakeholders when implementing technical solutions to counter security vulnerabilities,
Abstract. The introduction of smartcard technologies has reduced the incidence
of card fraud in the UK, but ther ...
Tags: University of Strathclyde, strathclyde university associates scam, strathclyde associates
* Smartcard Scam: Stakeholders "�" University Of Strathclyde And Associatessmartcard Scam: Stakeholder
By: davidgani | - Stakeholders by Susan Burns, George R. S. Weir, Department of Computer and Information Sciences, University of Strathclyde and Associates, Glasgow G1 1XH, UK
Although cardholders are usually the focus of concern in matters of card fraud, there
are other stakeholders in the establishment, use and maintenance of smartcards. These
stakeholders are (1) cardholders; (2) merchants; (3) Acquirers; and each of these has
roles, responsibilities and risks in operation of the ...
Tags: University of Strathclyde, strathclyde university associates scam, strathclyde associates
* University Of Strathclyde Card Id Theft: Trends In Smartcard Fraud Scam
By: davidgani | - Department of Computer and Information Sciences, University of Strathclyde and Associates. The introduction of smartcard technologies has reduced the incidence
of card fraud in the UK, but there are still significant losses from fraudulent
card use. In this paper we detail the context of smartcard introduction and describe
the types of fraud that remain a threat to cardholders and other stakeholders
in the card system. We conclude with a risk analysis from the cardholder ...
Tags: University of Strathclyde, strathclyde university associates scam, strathclyde associates
* Trends In Smartcard Scam: Lost And Stolen Fraud
By: davidgani | - Susan Burns, George R. S. Weir, Department of Computer and Information Sciences, University of Strathclyde, Glasgow G1 1XH, UK
A recent report from the European Security Transport Association (ESTA) found that
nearly 20% of the adult population in Great Britain has been targeted as part of a
credit or debit card scam. As a result, the UK has been termed the Card Fraud Capital
of Europe [1], with UK citizens twice as likely to become victims of card fraud as
Tags: University of Strathclyde, strathclyde university associates scam, strathclyde associates
* Trends In Smartcard Fraud "�" Abstract: University Of Strathclyde And Associates
By: davidgani | -
Susan Burns, George R. S. Weir, Department of Computer and Information Sciences, University of Strathclyde, Glasgow G1 1XH, UK {susan.burns, george.weir}@cis.strath.ac.uk
University of Strathclyde and Associates: Abstract. The introduction of smartcard technologies has reduced the incidence of card fraud in the UK, but there are still significant losses from fraudulent card use. In this paper we detail the context of smartcard introduction and describe the types of fraud that ...
Tags: University of Strathclyde, strathclyde university associates scam, strathclyde associates
* Strathclyde University And Associates: Boiler Room Movie Review
By: davidgani | -
The Digital Information Office, Strathclyde University and Associates service for electronic resource management review by Bradley Null: America is the land of opportunity, and now more than ever, the opportunity that most Americans are preoccupied with is that of easy money. Our news media is saturated with stories of the instant millionaire, 25-year-old startup CEOs worth nine figures or the crafty investor that bought that startup on IPO and doesn't have to worry too much about his day ...
Tags: University of Strathclyde, strathclyde university associates scam, strathclyde associates
* Strathclyde Associates Government Bonds Part3- Market Outlook October 2010
By: strathclydeassociate | -
Market Outlook October 2010: Strathclyde Associates Government Bonds Part3
The strength of the major European bond markets must therefore also be viewed with some concern. The gilt edged market has followed the pattern of other markets and has also improved again over the past month.
The UK economy is currently performing better than expected; but the introduction of austerity measures to reduce the fiscal deficit is expected to limit further gains in the second ...
Tags: Strathclyde Associates, Strathclyde Associates korea, Strathc
* Market Outlook October 2010: Strathclyde Associates Government Bonds Part2
By: strathclydeassociate | -
The major government bond markets have made further significant gains over the past month, despite the massive fiscal deficits around the world, and the renewed concerns about the possibility of sovereign debt defaults in Europe.
The lack of more positive measures initially caused some disappointment; but the policy change has already been implemented, and although it is still on a fairly small scale, it has helped to push Treasury bond yields lower.
Strat ...
Tags: Strathclyde Associates, Strathclyde Associates korea, Strathc
* Market Outlook October 2010: Strathclyde Associates Government Bonds Part1
By: strathclydeassociate | -
Market Outlook October 2010: Strathclyde Associates Government Bonds Part1
The major government bond markets have made further significant gains over the past month, despite the massive fiscal deficits around the world, and the renewed concerns about the possibility of sovereign debt defaults in Europe.
They have continued to receive support from the slow pace of economic recovery in the developed world, and the low level of short-term interest rates; but they ha ...
Tags: Strathclyde Associates, Strathclyde Associates korea, Strathc
* Strathclyde Associates: Taking A Look At Brazil"��s Economy
By: strathclydeassociate | -
Brazils economic output dipped a tiny 0.2% in 2009 and is on course to grow by about 6% well above the 4.5% or so that many economists regard as the potential or noninflationary rate in 2010. Industrial production, retail sales, employment, business and consumer confidence are all on the way up. Consumer price inflation is seen rising to 5.4% a year, 90 basis points above the governments target of 4.5%. Brazils IPCA consumer-price index stood at 5.22% in the 12 mon ...
Tags: Strathclyde Associates, Strathclyde Associates korea, Strathc
* Strathclyde Associates: Taking A Look At Taiwan"��s Economy
By: strathclydeassociate | -
Strathclyde Associates: Taking A Look at Taiwans Economy -Taiwan is recovering rapidly from last years recession. Its semi-conductor industry is doing well and there is very little inflationary pressure in the economy. Taiwanese, however, are concerned about their linkages with the mainland China. President Ma Ying-jeou played down fears that a planned free-trade pact with China would leave Taipei over-reliant on China, saying the deal could lead to similar ones with other c ...
Tags: Strathclyde Associates, Strathclyde Associates korea, Strathc
* Taking A Look At South Korea"��s Economy: Strathclyde Associates
By: strathclydeassociate | -
Taking A Look at South Koreas Economy: Strathclyde Associates - Korea is set to grow about 5% this year, faster than the Bank of Koreas December forecast of 4.6%.
The central bank has lowered its 2010 forecast for consumer price inflation to 2.6% giving a signal to the market that the bank wont raise the benchmark interest rate in the first half of the year. However, a 25 basis-point rate hike in September and another 25 basis-point hike in December cannot be ...
Tags: Strathclyde Associates, Strathclyde Associates korea, Strathc
* "��strathclyde Associates"�� Taking A Look - China"��s Economy Part Two
By: strathclydeassociate | - Strathclyde Associates Taking A Look - Chinas Economy: China ran its first monthly trade deficit in six years in March.
With imports of commodities surging in February, China swung to a trade deficit of $7.24 billion in March from a surplus of $7.61 billion in February. The cumulative trade surplus for the first quarter of 2010 was down 77% from a year earlier, to $14.49 billion.
In a parallel move, which will have a far reaching impact on the yuan is that Chin ...
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* "��strathclyde Associates"�� Taking A Look - China"��s Economy Part One
By: strathclydeassociate | - Chinas economy expanded 11.9% from a year earlier in the first quarter of 2010, a strong result highlighting both the strength of the recovery in China and the increasing risks of overheating.
Inflation has been subdued so far, with the consumer price index rising 2.4% in March from a year earlier, marginally lower than Februarys 2.7% rise and close to Beijings 3% target.
Strathclyde Associates Taking A Look - Chinas Economy: The IMF expects consumer p ...
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* Market Outlook: "��strathclyde Associates"�� Taking A Look At India"��s Economy
By: strathclydeassociate | -
Indias economy is expected to grow 8.2% this fiscal year, and accelerate to 9% next year, powered by rising local demand, a robust rebound in manufacturing activity and investment in infrastructure. Policy makers are being kept on their toes by inflation: peak food inflation of over 20% recorded in December 2009 has come down to 17.7% in March 2010, but runs the risk of spilling over to other sectors.
Strathclyde Associates Taking A Look at Indias Economy : ...
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* Japanese Bond Markets: Strathclyde Associates
By: strathclydeassociate | - Strathclyde Associates: Bond Markets - The Japanese bond market has remained unchanged over the past month.
Government bond markets have had a very traumatic month. The major markets have held fairly steady; but there have been dramatic falls in some of the minor markets, especially in Europe, after the decision by Standard and Poors to downgrade the level of Greek government debt to junk status.
The central banks are maintaining short-term interest rates ...
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* Europe Bond Markets: Strathclyde Associates
By: strathclydeassociate | - Market Outlook June 2010: Strathclyde Associates, Korea: Prospects for bond markets in mainland Europe are... particularly uncertain. Not all markets elsewhere will be affected, and some may even continue to benefit from the problems in Europe. The latest evidence on the economic performance is encouraging. Retail sales rebounded sharply in March; non-farm payrolls increased at the fastest monthly pace for three years in the same month; and both manufacturing and service sector output was ...
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* Strathclyde Associates Based In Korea: Prospects For Bond Markets
By: strathclydeassociate | - The Bank of International Settlements has recently warned that the aftermath of the financial crisis is poised to bring the simmering fiscal problems in industrial economies to boiling-point, and that drastic measures will be needed to head off a compound interest rate spiral.
The latest developments in Greece have shown that the warning is fully justified. Sovereign debt defaults may still occur, and the single currency system in Europe may not survive in its present form.
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* Market Outlook June"�" Second Part: Strathclyde Associates
By: strathclydeassociate | - Market Outlook June 2010: Strathclyde Associates, Korea: The Greek situation remains in the eye of the storm, and has led to the decision to downgrade its debt to junk status despite a formal request for aid from the IMF and other member countries of the euro-zone to enable it to refinance its maturing debt and avoid a default. It is clear that the contagion is spreading to other members of the euro-zone, and so investors have continued to switch funds from the bond markets of the we ...
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* Market Outlook June 2010: Strathclyde Associates
By: strathclydeassociate | - Government bond markets have had a very traumatic month. The major markets have held fairly steady; but there have been dramatic falls in some of the minor markets, especially in Europe, after the decision by Standard and Poors to downgrade the level of Greek government debt to junk status.
The central banks are maintaining short-term interest rates at very low levels, and so the bond markets are continuing to receive some support. But this is being totally offset by the co ...
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* Strathclyde Associates Korea: Innovative Investment Solutions
By: strathclydeassociate | - Join Strathclyde Associates Korea team now. For inquiries regarding employment opportunities please send your resume to: info@strathclydeassociates.net
A constant commitment to our clients is the strong foundation of the business culture at Strathclyde Associates.
Providing services globally to a vast group of clients that include private individuals, financial institutions, governments and corporations.
With the depth and quality of our understanding, we are able to build long ...
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* Strathclyde Associates Feature: Green Energy Overtakes Fossil Fuel Investment, Says Un
By: strathclydeassociate | - Clean technologies attract $140bn compared with $110bn for gas, coal and electrical power
Green energy overtook fossil fuels in attracting investment for power generation for the first time last year, according to figures released today by the United Nations.
Wind, solar and other clean technologies attracted $140bn (85bn) compared with $110bn for gas and coal for electrical power generation, with more than a third of the green cash destined for Britain and the rest of Europe.
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* Strathclyde Associates Feature: Green Energy Overtakes Fossil Fuel Investment, Says Un
By: strathclydeassociate | -
Clean technologies attract $140bn compared with $110bn for gas, coal and electrical power
Green energy overtook fossil fuels in attracting investment for power generation for the first time last year, according to figures released today by the United Nations.
Wind, solar and other clean technologies attracted $140bn (85bn) compared with $110bn for gas and coal for electrical power generation, with more than a third of the green cash destined for Britain and the rest of Europ ...
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* Strathclyde Associates Featured: Stock Market Shift Attributed To Green Investment
By: strathclydeassociate | - Strathclyde Associates Featured: Stock Market Shift Attributed to Green Investment. 21st century green initiatives are sparking life in todays economy. Particularly, there have been a few major investments in renewable energy technologies that have positively influenced the stock market. In recent news, ProLogis, a leading global provider of distribution facilities has made a tremendous investment in solar rooftop implementation in Southern California. This is one of many enormous green inves ...
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* Renewable Green Fuels Portfolio Management By Strathclyde Associates
By: strathclydeassociate | - Clean energy has a dirty secret. It isnt cheap from USA today. Wisely, they have gone on to modify their doom-laden statement by writing that renewable, green energy is widely supported to fight global warming... And that high fossil fuel prices and a cap on power plant emissions could make clean energy competitive with or even cheaper than - conventional energy.
As a result of healthy government subsidies and mandates, the bio fuel industry is expanding at a rapid pace. Alre ...
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* Strathclyde Associates Market Outlook March 2010
By: strathclydeassociate | - A market segment that we have been watching closely for a long time is renewable, green, clean fuels.
The US Energy Policy and Conservation Act (signed into law by President Ford in 1975), the 1990 Clean Air Act and the 1992 Energy policy Act gave rise to fight over such issues as subsidies, support for development initiatives, favourable tax treatment, loan guarantees, partnership agreements and other considerations too numerous to mention. How all these competing stakeholder interest an ...
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* Strathclyde Associates: Research And Other Services
By: strathclydeassociate | - At Strathclyde Associates we realize that in order for us to provide a superior service to our clients in managing their portfolios we need to ensure that we provide them the most accurate investment advice based on the epitome of fundamental research.
Our global research departments ensures that we identify and analyze the relevant financial information, strategies, issues, trends both locally and with an international perspective that may result in fundamental changes for corporations, i ...
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* Strathclyde Associates: Our Clients And Investors
By: strathclydeassociate | - A constant commitment to our clients is the strong foundation of the business culture at Strathclyde Associates. We believe that if we put our customers interest first and serve our clients to the best of our ability then the only end product will be success and a truly long and profitable trading relationship.
In order to attain this profitable trading relationship our goal obviously must be to provide exceptional returns to our clients. The way we do this is by constantly developing n ...
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* Strathclyde Associates: Our Corporate Profile
By: strathclydeassociate | - Providing services globally to a vast group of clients that include private individuals, financial institutions, governments and corporations.
At Strathclyde Associates we pride ourselves with comprehending each individual clients unique financial needs and preferences.
A constant commitment to our clients is the strong foundation of the business culture at Strathclyde Associates.
We constantly develop innovative solutions in order to accommodate the ever-changing tastes, d ...
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* Strathclyde Associates Investment Guide: Investment Strategy
By: strathclydeassociate | - A well-planned investment strategy is essential before having any investment decisions. A business strategy is generally based upon long run period. Formation of business strategy largely dependent upon the factors such as long-term goals and risk on the investment.
As the return on investment is not always clear, so the investors prepare the strategy so as to face the ongoing challenges in investment. A balanced investment strategy is generally required in the process of investment, whic ...
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* Strathclyde Associates Market Outlook December 2009
By: strathclydeassociate | -
Whilst the death knell for the US Dollar has been sounded often in recent years, it weakness has still not alarmed investors...yet!
The dollar has declined 15% against a raft of six major currencies from the highs set in March and is down more than 37% from a peak in 2001. Analysts are of the opinion that another sharp drop in the dollar or a spike in volatility due to bad news could heighten foreigners concerns about US stocks, and that could create a confidence crisis that ...
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* Overregulation Of Steel, Economic Downturn Suffocate Wire Industry: Strathclyde Associates Construct
By: strathclyde | -
The South African wire industry has been adversely affected by the eco-nomic downturn, especially since stadium contracts for the 2010 FIFA World Cup were com-pleted, while the overregulation of the steel industry by government is resulting in the closure of factories and job losses, says South African Wire Association chairperson Rick Allen.
Strathclyde Associates Construction Management News: In some areas, like competition law, overregulation is having e ...
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* Strathclyde Associates Construction Management News: Committed To A Greener Construction Process
By: strathclyde | -
Patented alternative construction technology company Imison reports that a number of factors in its manufacturing and supply chain processes contribute to a greener construction process.
Strathclyde Associates Construction Management News: The company uses a technology that creates buildings with panels that are made from expanded polystyrene (EPS) and have a light-gauge steel core. The walls are coated with a spray-on fibre cement plaster.
Imisons EPS ...
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* Trimble Is Establishing Sitech Technology Dealers In The Americas, Europe And Asia Pacific Regions B
By: strathclyde | -
Strathclyde Associates Trading and Management Construction Company News: Trimble has announced today that a SITECH Technology Dealer has been established to serve contractors in Florida, Georgia and Alabama. SITECH South East joins the network of SITECH dealerships - the first fully dedicated global distribution network offering the most comprehensive portfolio of construction technology systems available to the heavy and highway contractor.
SITECH Technology ...
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* Strathclyde Associates Construction Management News: Design Firms Are Reluctant To Adopt Collaborati
By: strathclyde | -
WAYLAND, Mass. Many architecture and engineering leaders believe integrated project delivery (IPD) where architects, engineers, owners, contractors, and subcontractors work collaboratively as a team from the inception of a project and share the benefits and risks is riddled with too many unknowns to even consider at this point, according to a survey by The Zweig Letter.
Strathclyde Associates Construction Management News: Participants in the survey said th ...
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* Strathclyde Associates Trading News: Cadlearning Autocad Architecture 2011 Tutorials Published
By: strathclyde | -
4D Technologies, an Autodesk Authorized Publisher specializing in self-paced eLearning for CAD and BIM software , announced today that it has published its CADLearning AutoCAD Architecture 2011 Tutorial Series.
Strathclyde Associates Trading News : 4D Technologies, an Autodesk Authorized Publisher specializing in self-paced eLearning for CAD and BIM software , announced today that it has published its CADLearning AutoCAD Architecture 2011 Tutorial Series. The 18-hour training ...
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* Building Materials: Strathclyde Associates Trading & Management Construction Company
By: strathclyde | -
We sourced many construction materials. Part of our service is sourcing the best quality and price and provide a full and just in time shipping delivery service.
Please contact us for more details. We are particularly efficient in Thailand, Seoul Korea and Malaysia.
Here is a list of just a few of our products: Metal Building Materials, Granite, Artificial Stone, Heat Insulation Materials, Fireproofing Materials, Construction Adhesives & Sealant, Soundproo ...
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* Services: Strathclyde Associates Trading & Management Construction Company
By: strathclyde | -
The services we provide to our customers are supply of high end construction management personnel with relevant language skills i.e. Thai, Korean and Malay.
Some examples of personnel we supply are: CAD Drafter , Construction Estimator, Field Safety Professional, Inspector , Certified Welding Inspector (CWI), Construction Roadway Inspector , Construction Inspector, HVAC Field Supervisor, Project Manager/Superintendents (USACE), Construction Quality Control - USACE CQM, ...
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* About Us: Strathclyde Associates Trading & Management Construction Company
By: strathclyde | -
For over 5 years, Strathclyde Associates Trading and Management Construction Company's professionals have been a leading Service Providers to the construction industry. Bringing together a wealth of Business, Legal, Financial, and Specialized Industry experience, Consolidated Construction Services helps industry professionals continue to thrive in an increasingly competitive and challenging business environment.
We are very involved in clean room IT factories in Thail ...
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* Welcome To Strathclyde Associates Trading & Management Construction Company
By: strathclyde | -
The company was established in early 2005 to serve the booming international construction industry. We work with associate companies worldwide.
Soon after its establishment, Strathclyde Associates Trading and Management Construction Company made a number of associations mainly in the Pacific and Southeast Asia regions. These business partnerships added extra strength to STRATHCLYDE ASSOCIATES TRADING & MANAGEMENT. We are proud to be associated with projects in countrie ...
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* Strathclyde Associates Trading And Management Construction Company
By: strathclyde | -
Strathclyde Associates Trading and Management Construction Company have recently purchased and shipped a large quantity of cement type HE: High Early Strength from Indonesia for one of our projects in Seoul, South Korea. Though Strathclyde Associates Trading and Management Construction Company did extensive quality control testing on arrival in Seoul, we found substantial defects in the quality of the cement.
Though Strathclyde Associates Trading and Management Constru ...
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By: davidgani | -
Strathclyde University Associates anti-phishing web service by Christopher Cranston, Department of Computer and Information Sciences, University of Strathclyde, Glasgow.
Although there are existing anti-spam and anti-phishing solutions for end-users, none of them are widely
deployed or fully effective. Rising financial losses and a growing numbers of phishing attacks have led to
anti-phishing extensions to existing Web browsers, but there is little product ...
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* Strathclyde Anti-phishing Scam Solutions
By: davidgani | -
Strathclyde University Associates - Of the following solutions, the first two are corporate while the following two are end-user in nature. Christopher Cranston, Department of Computer and Information Sciences, University of Strathclyde, Glasgow.
1. Digitally Signed Email
Digitally signed emails allow the recipient to verify that the sender information is genuine. This also lets the
recipient know that the message has not been modified in transi ...
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* The Phishing Process By Christopher Cranston
By: davidgani | -
Department of Computer and Information Sciences, University of Strathclyde, Glasgow
Strathclyde University and Associates - Most phishing attacks take four distinct steps toward defrauding unwary recipients: (1) the scam operators set
up the phishing website. This website usually imitates an established, legitimate site; (2) using guessed or
copied email addresses, the scammers send out emails purporting to come from the legitimate site; (3) the
recip ...
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* Strathclyde Anti-phishing As A Web-based User Service Scam
By: davidgani | -
Strathclyde University Associates - This paper describes the recent phenomenon of phishing, in which email messages are sent to unwitting recipients in
order to elicit personal information and perpetrate identity theft and financial fraud. A variety of existing techniques for
addressing this problem are detailed and a novel approach to the provision of phishing advice is introduced. This takes
the form of a Web-based user-service to which users may forward suspect ...
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* Strathclyde Associates Foreign Exchange Markets October 2010
By: strathclydeassociate | - Strathclyde Associates Foreign Exchange Markets October 2010 Part 1: Uncertainty has remained the predominant feature of the foreign exchange markets over the past month. The sovereign debt crisis in Europe has clearly not been resolved; and there has been further evidence of the conflicting views of the central bankers about the most appropriate measures to correct the current problems, with the Fed primarily interested in maintaining the momentum in the US economy, and the European Central Ban ...
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* Strathclyde Associates Trading - Things Contractors Won"��t Tell You
By: strathclyde | - Strathclyde Associates Trading and Management Construction Company: Learning a few tricks of their trade will help you ensure you get the job done right and at a fair price and to avoid scam By SmartMoney
Things Contractors Wont Tell You, avoid scam - My license is laughable.
When you hire a general contractor to build an addition onto your house, you probably assume youre getting someone who has spent years learning his craft, giving him the proper credentials to saw a h ...
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* Sleazy Home Improvement Scams- Strathclyde Associates Trading
By: strathclyde | - Strathclyde Associates Trading and Management Construction Company: Spring's the time homeowners get to work -- and shady contractors come of out of the woodwork. Here's how to smell a suspicious deal. By Bankrate
Like most homeowners, you probably spent the winter months talking about the home improvements you'd like to make. Now that spring is here, it's time to act on those remodeling impulses. After all, spring is a time of renewal, change and new beginnings.
Unfortunatel ...
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* Home-renovation Scams - Strathclyde Associates Trading
By: strathclyde | - Strathclyde Associates Trading and Management Construction Company: Renovations are stressful, but if you rush through important details you could fall prey to one of these scams.
Scam artists are nothing new, but there are plenty of reasons to predict that even more of them will be around, due to tough economic times. While they tend to prey on the elderly, anyone who is not cautious and informed is a potential victim. Your best defense is a skeptical mind and knowing what to look ...
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* Strathclyde Associates Trading And Management Construction Tips For Hiring Contractors
By: strathclyde | - Tips for hiring contractors (and 10 ways to avoid scammers). Strathclyde Associates Trading and Management Construction Company: To protect yourself and your money here are 4 tips to ensure that your next remodeling project goes smoothly.
We love building for ourselves, but some jobs just need to be subbed out. Unfortunately, a competent, honest remodeling contractor is no easy find. There are thousands of reliable, trustworthy contractors out there but there are quite a few to ...
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* Risk Assessment: Smartcard Fraud Scam
By: davidgani | - Risk Assessment Department of Computer and Information Sciences, University of Strathclyde and Associates. Security is a balance between confidentiality, authentication and integrity versus convenience, cost and reliability. Figure 4 illustrates the balance that must be struck by stakeholders when implementing technical solutions to counter security vulnerabilities,
Abstract. The introduction of smartcard technologies has reduced the incidence
of card fraud in the UK, but ther ...
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* Smartcard Scam: Stakeholders "�" University Of Strathclyde And Associatessmartcard Scam: Stakeholder
By: davidgani | - Stakeholders by Susan Burns, George R. S. Weir, Department of Computer and Information Sciences, University of Strathclyde and Associates, Glasgow G1 1XH, UK
Although cardholders are usually the focus of concern in matters of card fraud, there
are other stakeholders in the establishment, use and maintenance of smartcards. These
stakeholders are (1) cardholders; (2) merchants; (3) Acquirers; and each of these has
roles, responsibilities and risks in operation of the ...
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* University Of Strathclyde Card Id Theft: Trends In Smartcard Fraud Scam
By: davidgani | - Department of Computer and Information Sciences, University of Strathclyde and Associates. The introduction of smartcard technologies has reduced the incidence
of card fraud in the UK, but there are still significant losses from fraudulent
card use. In this paper we detail the context of smartcard introduction and describe
the types of fraud that remain a threat to cardholders and other stakeholders
in the card system. We conclude with a risk analysis from the cardholder ...
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* Trends In Smartcard Scam: Lost And Stolen Fraud
By: davidgani | - Susan Burns, George R. S. Weir, Department of Computer and Information Sciences, University of Strathclyde, Glasgow G1 1XH, UK
A recent report from the European Security Transport Association (ESTA) found that
nearly 20% of the adult population in Great Britain has been targeted as part of a
credit or debit card scam. As a result, the UK has been termed the Card Fraud Capital
of Europe [1], with UK citizens twice as likely to become victims of card fraud as
Tags: University of Strathclyde, strathclyde university associates scam, strathclyde associates
* Trends In Smartcard Fraud "�" Abstract: University Of Strathclyde And Associates
By: davidgani | -
Susan Burns, George R. S. Weir, Department of Computer and Information Sciences, University of Strathclyde, Glasgow G1 1XH, UK {susan.burns, george.weir}@cis.strath.ac.uk
University of Strathclyde and Associates: Abstract. The introduction of smartcard technologies has reduced the incidence of card fraud in the UK, but there are still significant losses from fraudulent card use. In this paper we detail the context of smartcard introduction and describe the types of fraud that ...
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* Strathclyde University And Associates: Boiler Room Movie Review
By: davidgani | -
The Digital Information Office, Strathclyde University and Associates service for electronic resource management review by Bradley Null: America is the land of opportunity, and now more than ever, the opportunity that most Americans are preoccupied with is that of easy money. Our news media is saturated with stories of the instant millionaire, 25-year-old startup CEOs worth nine figures or the crafty investor that bought that startup on IPO and doesn't have to worry too much about his day ...
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* Strathclyde Associates Government Bonds Part3- Market Outlook October 2010
By: strathclydeassociate | -
Market Outlook October 2010: Strathclyde Associates Government Bonds Part3
The strength of the major European bond markets must therefore also be viewed with some concern. The gilt edged market has followed the pattern of other markets and has also improved again over the past month.
The UK economy is currently performing better than expected; but the introduction of austerity measures to reduce the fiscal deficit is expected to limit further gains in the second ...
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* Market Outlook October 2010: Strathclyde Associates Government Bonds Part2
By: strathclydeassociate | -
The major government bond markets have made further significant gains over the past month, despite the massive fiscal deficits around the world, and the renewed concerns about the possibility of sovereign debt defaults in Europe.
The lack of more positive measures initially caused some disappointment; but the policy change has already been implemented, and although it is still on a fairly small scale, it has helped to push Treasury bond yields lower.
Strat ...
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* Market Outlook October 2010: Strathclyde Associates Government Bonds Part1
By: strathclydeassociate | -
Market Outlook October 2010: Strathclyde Associates Government Bonds Part1
The major government bond markets have made further significant gains over the past month, despite the massive fiscal deficits around the world, and the renewed concerns about the possibility of sovereign debt defaults in Europe.
They have continued to receive support from the slow pace of economic recovery in the developed world, and the low level of short-term interest rates; but they ha ...
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* Strathclyde Associates: Taking A Look At Brazil"��s Economy
By: strathclydeassociate | -
Brazils economic output dipped a tiny 0.2% in 2009 and is on course to grow by about 6% well above the 4.5% or so that many economists regard as the potential or noninflationary rate in 2010. Industrial production, retail sales, employment, business and consumer confidence are all on the way up. Consumer price inflation is seen rising to 5.4% a year, 90 basis points above the governments target of 4.5%. Brazils IPCA consumer-price index stood at 5.22% in the 12 mon ...
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* Strathclyde Associates: Taking A Look At Taiwan"��s Economy
By: strathclydeassociate | -
Strathclyde Associates: Taking A Look at Taiwans Economy -Taiwan is recovering rapidly from last years recession. Its semi-conductor industry is doing well and there is very little inflationary pressure in the economy. Taiwanese, however, are concerned about their linkages with the mainland China. President Ma Ying-jeou played down fears that a planned free-trade pact with China would leave Taipei over-reliant on China, saying the deal could lead to similar ones with other c ...
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* Taking A Look At South Korea"��s Economy: Strathclyde Associates
By: strathclydeassociate | -
Taking A Look at South Koreas Economy: Strathclyde Associates - Korea is set to grow about 5% this year, faster than the Bank of Koreas December forecast of 4.6%.
The central bank has lowered its 2010 forecast for consumer price inflation to 2.6% giving a signal to the market that the bank wont raise the benchmark interest rate in the first half of the year. However, a 25 basis-point rate hike in September and another 25 basis-point hike in December cannot be ...
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* "��strathclyde Associates"�� Taking A Look - China"��s Economy Part Two
By: strathclydeassociate | - Strathclyde Associates Taking A Look - Chinas Economy: China ran its first monthly trade deficit in six years in March.
With imports of commodities surging in February, China swung to a trade deficit of $7.24 billion in March from a surplus of $7.61 billion in February. The cumulative trade surplus for the first quarter of 2010 was down 77% from a year earlier, to $14.49 billion.
In a parallel move, which will have a far reaching impact on the yuan is that Chin ...
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* "��strathclyde Associates"�� Taking A Look - China"��s Economy Part One
By: strathclydeassociate | - Chinas economy expanded 11.9% from a year earlier in the first quarter of 2010, a strong result highlighting both the strength of the recovery in China and the increasing risks of overheating.
Inflation has been subdued so far, with the consumer price index rising 2.4% in March from a year earlier, marginally lower than Februarys 2.7% rise and close to Beijings 3% target.
Strathclyde Associates Taking A Look - Chinas Economy: The IMF expects consumer p ...
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* Market Outlook: "��strathclyde Associates"�� Taking A Look At India"��s Economy
By: strathclydeassociate | -
Indias economy is expected to grow 8.2% this fiscal year, and accelerate to 9% next year, powered by rising local demand, a robust rebound in manufacturing activity and investment in infrastructure. Policy makers are being kept on their toes by inflation: peak food inflation of over 20% recorded in December 2009 has come down to 17.7% in March 2010, but runs the risk of spilling over to other sectors.
Strathclyde Associates Taking A Look at Indias Economy : ...
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* Japanese Bond Markets: Strathclyde Associates
By: strathclydeassociate | - Strathclyde Associates: Bond Markets - The Japanese bond market has remained unchanged over the past month.
Government bond markets have had a very traumatic month. The major markets have held fairly steady; but there have been dramatic falls in some of the minor markets, especially in Europe, after the decision by Standard and Poors to downgrade the level of Greek government debt to junk status.
The central banks are maintaining short-term interest rates ...
Tags: Strathclyde Associates, Strathclyde Associates korea, Strathc
* Europe Bond Markets: Strathclyde Associates
By: strathclydeassociate | - Market Outlook June 2010: Strathclyde Associates, Korea: Prospects for bond markets in mainland Europe are... particularly uncertain. Not all markets elsewhere will be affected, and some may even continue to benefit from the problems in Europe. The latest evidence on the economic performance is encouraging. Retail sales rebounded sharply in March; non-farm payrolls increased at the fastest monthly pace for three years in the same month; and both manufacturing and service sector output was ...
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* Strathclyde Associates Based In Korea: Prospects For Bond Markets
By: strathclydeassociate | - The Bank of International Settlements has recently warned that the aftermath of the financial crisis is poised to bring the simmering fiscal problems in industrial economies to boiling-point, and that drastic measures will be needed to head off a compound interest rate spiral.
The latest developments in Greece have shown that the warning is fully justified. Sovereign debt defaults may still occur, and the single currency system in Europe may not survive in its present form.
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* Market Outlook June"�" Second Part: Strathclyde Associates
By: strathclydeassociate | - Market Outlook June 2010: Strathclyde Associates, Korea: The Greek situation remains in the eye of the storm, and has led to the decision to downgrade its debt to junk status despite a formal request for aid from the IMF and other member countries of the euro-zone to enable it to refinance its maturing debt and avoid a default. It is clear that the contagion is spreading to other members of the euro-zone, and so investors have continued to switch funds from the bond markets of the we ...
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* Market Outlook June 2010: Strathclyde Associates
By: strathclydeassociate | - Government bond markets have had a very traumatic month. The major markets have held fairly steady; but there have been dramatic falls in some of the minor markets, especially in Europe, after the decision by Standard and Poors to downgrade the level of Greek government debt to junk status.
The central banks are maintaining short-term interest rates at very low levels, and so the bond markets are continuing to receive some support. But this is being totally offset by the co ...
Tags: Strathclyde Associates, Strathclyde Associates korea, Strathc
* Strathclyde Associates Korea: Innovative Investment Solutions
By: strathclydeassociate | - Join Strathclyde Associates Korea team now. For inquiries regarding employment opportunities please send your resume to: info@strathclydeassociates.net
A constant commitment to our clients is the strong foundation of the business culture at Strathclyde Associates.
Providing services globally to a vast group of clients that include private individuals, financial institutions, governments and corporations.
With the depth and quality of our understanding, we are able to build long ...
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* Strathclyde Associates Feature: Green Energy Overtakes Fossil Fuel Investment, Says Un
By: strathclydeassociate | - Clean technologies attract $140bn compared with $110bn for gas, coal and electrical power
Green energy overtook fossil fuels in attracting investment for power generation for the first time last year, according to figures released today by the United Nations.
Wind, solar and other clean technologies attracted $140bn (85bn) compared with $110bn for gas and coal for electrical power generation, with more than a third of the green cash destined for Britain and the rest of Europe.
Tags: Strathclyde Associates, Strathclyde Associates korea, Strathc
* Strathclyde Associates Feature: Green Energy Overtakes Fossil Fuel Investment, Says Un
By: strathclydeassociate | -
Clean technologies attract $140bn compared with $110bn for gas, coal and electrical power
Green energy overtook fossil fuels in attracting investment for power generation for the first time last year, according to figures released today by the United Nations.
Wind, solar and other clean technologies attracted $140bn (85bn) compared with $110bn for gas and coal for electrical power generation, with more than a third of the green cash destined for Britain and the rest of Europ ...
Tags: Strathclyde Associates, Strathclyde Associates korea, Strathc
* Strathclyde Associates Featured: Stock Market Shift Attributed To Green Investment
By: strathclydeassociate | - Strathclyde Associates Featured: Stock Market Shift Attributed to Green Investment. 21st century green initiatives are sparking life in todays economy. Particularly, there have been a few major investments in renewable energy technologies that have positively influenced the stock market. In recent news, ProLogis, a leading global provider of distribution facilities has made a tremendous investment in solar rooftop implementation in Southern California. This is one of many enormous green inves ...
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* Renewable Green Fuels Portfolio Management By Strathclyde Associates
By: strathclydeassociate | - Clean energy has a dirty secret. It isnt cheap from USA today. Wisely, they have gone on to modify their doom-laden statement by writing that renewable, green energy is widely supported to fight global warming... And that high fossil fuel prices and a cap on power plant emissions could make clean energy competitive with or even cheaper than - conventional energy.
As a result of healthy government subsidies and mandates, the bio fuel industry is expanding at a rapid pace. Alre ...
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* Strathclyde Associates Market Outlook March 2010
By: strathclydeassociate | - A market segment that we have been watching closely for a long time is renewable, green, clean fuels.
The US Energy Policy and Conservation Act (signed into law by President Ford in 1975), the 1990 Clean Air Act and the 1992 Energy policy Act gave rise to fight over such issues as subsidies, support for development initiatives, favourable tax treatment, loan guarantees, partnership agreements and other considerations too numerous to mention. How all these competing stakeholder interest an ...
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* Strathclyde Associates: Research And Other Services
By: strathclydeassociate | - At Strathclyde Associates we realize that in order for us to provide a superior service to our clients in managing their portfolios we need to ensure that we provide them the most accurate investment advice based on the epitome of fundamental research.
Our global research departments ensures that we identify and analyze the relevant financial information, strategies, issues, trends both locally and with an international perspective that may result in fundamental changes for corporations, i ...
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* Strathclyde Associates: Our Clients And Investors
By: strathclydeassociate | - A constant commitment to our clients is the strong foundation of the business culture at Strathclyde Associates. We believe that if we put our customers interest first and serve our clients to the best of our ability then the only end product will be success and a truly long and profitable trading relationship.
In order to attain this profitable trading relationship our goal obviously must be to provide exceptional returns to our clients. The way we do this is by constantly developing n ...
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* Strathclyde Associates: Our Corporate Profile
By: strathclydeassociate | - Providing services globally to a vast group of clients that include private individuals, financial institutions, governments and corporations.
At Strathclyde Associates we pride ourselves with comprehending each individual clients unique financial needs and preferences.
A constant commitment to our clients is the strong foundation of the business culture at Strathclyde Associates.
We constantly develop innovative solutions in order to accommodate the ever-changing tastes, d ...
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* Strathclyde Associates Investment Guide: Investment Strategy
By: strathclydeassociate | - A well-planned investment strategy is essential before having any investment decisions. A business strategy is generally based upon long run period. Formation of business strategy largely dependent upon the factors such as long-term goals and risk on the investment.
As the return on investment is not always clear, so the investors prepare the strategy so as to face the ongoing challenges in investment. A balanced investment strategy is generally required in the process of investment, whic ...
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* Strathclyde Associates Market Outlook December 2009
By: strathclydeassociate | -
Whilst the death knell for the US Dollar has been sounded often in recent years, it weakness has still not alarmed investors...yet!
The dollar has declined 15% against a raft of six major currencies from the highs set in March and is down more than 37% from a peak in 2001. Analysts are of the opinion that another sharp drop in the dollar or a spike in volatility due to bad news could heighten foreigners concerns about US stocks, and that could create a confidence crisis that ...
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* Overregulation Of Steel, Economic Downturn Suffocate Wire Industry: Strathclyde Associates Construct
By: strathclyde | -
The South African wire industry has been adversely affected by the eco-nomic downturn, especially since stadium contracts for the 2010 FIFA World Cup were com-pleted, while the overregulation of the steel industry by government is resulting in the closure of factories and job losses, says South African Wire Association chairperson Rick Allen.
Strathclyde Associates Construction Management News: In some areas, like competition law, overregulation is having e ...
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* Strathclyde Associates Construction Management News: Committed To A Greener Construction Process
By: strathclyde | -
Patented alternative construction technology company Imison reports that a number of factors in its manufacturing and supply chain processes contribute to a greener construction process.
Strathclyde Associates Construction Management News: The company uses a technology that creates buildings with panels that are made from expanded polystyrene (EPS) and have a light-gauge steel core. The walls are coated with a spray-on fibre cement plaster.
Imisons EPS ...
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* Trimble Is Establishing Sitech Technology Dealers In The Americas, Europe And Asia Pacific Regions B
By: strathclyde | -
Strathclyde Associates Trading and Management Construction Company News: Trimble has announced today that a SITECH Technology Dealer has been established to serve contractors in Florida, Georgia and Alabama. SITECH South East joins the network of SITECH dealerships - the first fully dedicated global distribution network offering the most comprehensive portfolio of construction technology systems available to the heavy and highway contractor.
SITECH Technology ...
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* Strathclyde Associates Construction Management News: Design Firms Are Reluctant To Adopt Collaborati
By: strathclyde | -
WAYLAND, Mass. Many architecture and engineering leaders believe integrated project delivery (IPD) where architects, engineers, owners, contractors, and subcontractors work collaboratively as a team from the inception of a project and share the benefits and risks is riddled with too many unknowns to even consider at this point, according to a survey by The Zweig Letter.
Strathclyde Associates Construction Management News: Participants in the survey said th ...
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* Strathclyde Associates Trading News: Cadlearning Autocad Architecture 2011 Tutorials Published
By: strathclyde | -
4D Technologies, an Autodesk Authorized Publisher specializing in self-paced eLearning for CAD and BIM software , announced today that it has published its CADLearning AutoCAD Architecture 2011 Tutorial Series.
Strathclyde Associates Trading News : 4D Technologies, an Autodesk Authorized Publisher specializing in self-paced eLearning for CAD and BIM software , announced today that it has published its CADLearning AutoCAD Architecture 2011 Tutorial Series. The 18-hour training ...
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* Building Materials: Strathclyde Associates Trading & Management Construction Company
By: strathclyde | -
We sourced many construction materials. Part of our service is sourcing the best quality and price and provide a full and just in time shipping delivery service.
Please contact us for more details. We are particularly efficient in Thailand, Seoul Korea and Malaysia.
Here is a list of just a few of our products: Metal Building Materials, Granite, Artificial Stone, Heat Insulation Materials, Fireproofing Materials, Construction Adhesives & Sealant, Soundproo ...
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* Services: Strathclyde Associates Trading & Management Construction Company
By: strathclyde | -
The services we provide to our customers are supply of high end construction management personnel with relevant language skills i.e. Thai, Korean and Malay.
Some examples of personnel we supply are: CAD Drafter , Construction Estimator, Field Safety Professional, Inspector , Certified Welding Inspector (CWI), Construction Roadway Inspector , Construction Inspector, HVAC Field Supervisor, Project Manager/Superintendents (USACE), Construction Quality Control - USACE CQM, ...
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* About Us: Strathclyde Associates Trading & Management Construction Company
By: strathclyde | -
For over 5 years, Strathclyde Associates Trading and Management Construction Company's professionals have been a leading Service Providers to the construction industry. Bringing together a wealth of Business, Legal, Financial, and Specialized Industry experience, Consolidated Construction Services helps industry professionals continue to thrive in an increasingly competitive and challenging business environment.
We are very involved in clean room IT factories in Thail ...
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* Welcome To Strathclyde Associates Trading & Management Construction Company
By: strathclyde | -
The company was established in early 2005 to serve the booming international construction industry. We work with associate companies worldwide.
Soon after its establishment, Strathclyde Associates Trading and Management Construction Company made a number of associations mainly in the Pacific and Southeast Asia regions. These business partnerships added extra strength to STRATHCLYDE ASSOCIATES TRADING & MANAGEMENT. We are proud to be associated with projects in countrie ...
Tags: strathclyde associates, investments, equities, scam
* Strathclyde Associates Trading And Management Construction Company
By: strathclyde | -
Strathclyde Associates Trading and Management Construction Company have recently purchased and shipped a large quantity of cement type HE: High Early Strength from Indonesia for one of our projects in Seoul, South Korea. Though Strathclyde Associates Trading and Management Construction Company did extensive quality control testing on arrival in Seoul, we found substantial defects in the quality of the cement.
Though Strathclyde Associates Trading and Management Constru ...
Tags: strathclyde associates, investments, scam, equities
Home-renovation Scams - Strathclyde Associates Trading
Strathclyde Associates Trading and Management Construction Company: Renovations are stressful, but if you rush through important details you could fall prey to one of these scams.
Scam artists are nothing new, but there are plenty of reasons to predict that even more of them will be around, due to tough economic times. While they tend to prey on the elderly, anyone who is not cautious and informed is a potential victim. Your best defense is a skeptical mind and knowing what to look out for when you hear about an offer that's "too good to refuse." Here are some of the most popular, and costly, home-improvement scams.
Home-renovation Scams - Strathclyde Associates Trading: One-time special
It's a rare business that's had only one sale in its entire history.
Providing services globally to a vast group of clients that include private individuals, financial institutions, governments and corporations.
The reality is that most businesses hold sales throughout the year, and that's not likely to change any time soon. If a contractor approaches you with a special offer, ask for concrete evidence that the quoted price is lower than what they have charged in the past for the same work.
This could include a past catalog, special mailing, dated price list or evidence of identical work for a past customer.
Don't be pressured into accepting a deal that will expire before you've had a chance to do research, get competing bids and check references.
Home-renovation Scams - Strathclyde Associates Trading: I might as well
Be wary of the contractor who knocks on your door and says he's working just down the street. He tells you that he noticed a few things that need some work on your house and that you could save money by hiring him on the spot. Coincidentally, he just happens to have all the materials and tools to start right away.
This approach is often used to entice you into doing things that are visible from the outside, like roof repair, painting, window caulking, deck restoration, driveway coating and chimney repair. If the contractor claims to have all the materials, ask him where they came from and who paid for them. If they are left over from an earlier job, there's some chance that the previous homeowner footed the bill.
Cash before work
Nothing should set off more alarm bells than the contractor who wants to be paid in full for a project before it's started. This arrangement sets you up for a disappearing contractor who never starts the work.
A reasonable down payment is expected, to cover startup labor costs and materials. Normally, this should not exceed one-third of the total contract value; it's wise to make it as small as possible. The balance of the money can be tied to completion milestones to keep the contractor motivated to stay on schedule. Hold a sizable portion of the money until the project is finished, and make final payment dependent on your personal inspection and satisfaction.
Financing offers
Another warning flag is the offer to arrange financing to pay for your renovation, sometimes from a lender that the contractor knows personally. The offer may include a special interest rate for a limited time only. What won't be disclosed is that the contractor may be getting kickbacks or other favors from the lender.
If you don't review the loan papers carefully, you may later find out that you've signed up for a refinancing or high-interest home-equity loan, or unknowingly transferred your deed. If the money goes to the contractor, there's no incentive to complete the work. Always shop around for the best loan available, and consult an attorney if you need help understanding the terms and conditions.
Fly-by-night contractor
Be extremely wary if a contractor pulls into your driveway in an unmarked truck. If you talk to him, do it outside in public view. Anyone who enters your home is a potential burglar, or worse. If the truck has out-of-state plates, don't even waste your time.
For all contractors, you should apply due diligence. Verify name, business name and license number, address and telephone number. Ask for insurance papers, and verify that they are bonded in accordance with applicable laws.
Model home
Beware of the contractor who wants to fix up your home so he can show it off to other potential customers. You will likely be tempted by a deal that seems too good to pass up. But chances are pretty good that some or all of the work he's recommending doesn't really need to be done. Reputable contractors don't need models to showcase their work, and if they needed one, they wouldn't use an occupied home for that purpose.
Home-renovation Scams - Strathclyde Associates Trading: The bottom line
Use resources such as the Better Business Bureau, the Department of Consumer Protection and the local licensing board to check the contractor's business reputation and credentials. A history of consumer complaints, lawsuits and expired licenses are reasons to keep looking for a reliable contractor.
Common sense and good judgment offer the best protection from home-renovation scams. If it seems too good to be true, it probably is. It's always wise to get multiple estimates before starting any project. If there are wide differences in the quotes, try to figure out why. Most importantly, don't sign any contract that you don't understand completely.
Strathclyde Associates Trading and Management Construction Company is passionate in the belief that from adversity comes opportunity. We believe that sustainable competitive advantage is always predicated upon the focused execution of a few core strengths or principles that are endemic to each particular company.
Scam artists are nothing new, but there are plenty of reasons to predict that even more of them will be around, due to tough economic times. While they tend to prey on the elderly, anyone who is not cautious and informed is a potential victim. Your best defense is a skeptical mind and knowing what to look out for when you hear about an offer that's "too good to refuse." Here are some of the most popular, and costly, home-improvement scams.
Home-renovation Scams - Strathclyde Associates Trading: One-time special
It's a rare business that's had only one sale in its entire history.
Providing services globally to a vast group of clients that include private individuals, financial institutions, governments and corporations.
The reality is that most businesses hold sales throughout the year, and that's not likely to change any time soon. If a contractor approaches you with a special offer, ask for concrete evidence that the quoted price is lower than what they have charged in the past for the same work.
This could include a past catalog, special mailing, dated price list or evidence of identical work for a past customer.
Don't be pressured into accepting a deal that will expire before you've had a chance to do research, get competing bids and check references.
Home-renovation Scams - Strathclyde Associates Trading: I might as well
Be wary of the contractor who knocks on your door and says he's working just down the street. He tells you that he noticed a few things that need some work on your house and that you could save money by hiring him on the spot. Coincidentally, he just happens to have all the materials and tools to start right away.
This approach is often used to entice you into doing things that are visible from the outside, like roof repair, painting, window caulking, deck restoration, driveway coating and chimney repair. If the contractor claims to have all the materials, ask him where they came from and who paid for them. If they are left over from an earlier job, there's some chance that the previous homeowner footed the bill.
Cash before work
Nothing should set off more alarm bells than the contractor who wants to be paid in full for a project before it's started. This arrangement sets you up for a disappearing contractor who never starts the work.
A reasonable down payment is expected, to cover startup labor costs and materials. Normally, this should not exceed one-third of the total contract value; it's wise to make it as small as possible. The balance of the money can be tied to completion milestones to keep the contractor motivated to stay on schedule. Hold a sizable portion of the money until the project is finished, and make final payment dependent on your personal inspection and satisfaction.
Financing offers
Another warning flag is the offer to arrange financing to pay for your renovation, sometimes from a lender that the contractor knows personally. The offer may include a special interest rate for a limited time only. What won't be disclosed is that the contractor may be getting kickbacks or other favors from the lender.
If you don't review the loan papers carefully, you may later find out that you've signed up for a refinancing or high-interest home-equity loan, or unknowingly transferred your deed. If the money goes to the contractor, there's no incentive to complete the work. Always shop around for the best loan available, and consult an attorney if you need help understanding the terms and conditions.
Fly-by-night contractor
Be extremely wary if a contractor pulls into your driveway in an unmarked truck. If you talk to him, do it outside in public view. Anyone who enters your home is a potential burglar, or worse. If the truck has out-of-state plates, don't even waste your time.
For all contractors, you should apply due diligence. Verify name, business name and license number, address and telephone number. Ask for insurance papers, and verify that they are bonded in accordance with applicable laws.
Model home
Beware of the contractor who wants to fix up your home so he can show it off to other potential customers. You will likely be tempted by a deal that seems too good to pass up. But chances are pretty good that some or all of the work he's recommending doesn't really need to be done. Reputable contractors don't need models to showcase their work, and if they needed one, they wouldn't use an occupied home for that purpose.
Home-renovation Scams - Strathclyde Associates Trading: The bottom line
Use resources such as the Better Business Bureau, the Department of Consumer Protection and the local licensing board to check the contractor's business reputation and credentials. A history of consumer complaints, lawsuits and expired licenses are reasons to keep looking for a reliable contractor.
Common sense and good judgment offer the best protection from home-renovation scams. If it seems too good to be true, it probably is. It's always wise to get multiple estimates before starting any project. If there are wide differences in the quotes, try to figure out why. Most importantly, don't sign any contract that you don't understand completely.
Strathclyde Associates Trading and Management Construction Company is passionate in the belief that from adversity comes opportunity. We believe that sustainable competitive advantage is always predicated upon the focused execution of a few core strengths or principles that are endemic to each particular company.
Strathclyde Associates Trading and Management Construction Company
Strathclyde Associates Trading and Management Construction Company have recently purchased and shipped a large quantity of cement type HE: High Early Strength from Indonesia for one of our projects in Seoul, South Korea. Though Strathclyde Associates Trading and Management Construction Company did extensive quality control testing on arrival in Seoul, we found substantial defects in the quality of the cement.
Though Strathclyde Associates Trading and Management Construction Company do not wish to name the manufacturer, please be extra careful in your quality control testing.
This was obviously blatant fraud and a scam. This sort of scamming is endemic and please be careful out there.
“As mentioned our two main areas of expertise are construction materials and management personnel. In both these fields, there is some bad reputations in the area of fraud and fraudulent transactions. There are many scams and in the field of personnel, many scammers. We are proud of our reputation of checking and verifying all our products and personnel. Fraudulent financial transactions are the norm. Our checking procedures are second to none.”
The company was established in early 2005 to serve the booming international construction industry. We work with associate companies worldwide.
Soon after its establishment, Strathclyde Associates Trading and Management Construction Company made a number of associations mainly in the Pacific and Southeast Asia regions. These business partnerships added extra strength to Strathclyde Associates Trading and Management Construction Company. We are proud to be associated with projects in countries including Thailand, Indonesia, Singapore and Seoul, S Korea.
Strathclyde Associates Trading and Management Construction Company are passionate in the belief that from adversity comes opportunity. We believe that sustainable competitive advantage is always predicated upon the focused execution of a few core strengths or principles that are endemic to each particular company.
Though Strathclyde Associates Trading and Management Construction Company do not wish to name the manufacturer, please be extra careful in your quality control testing.
This was obviously blatant fraud and a scam. This sort of scamming is endemic and please be careful out there.
“As mentioned our two main areas of expertise are construction materials and management personnel. In both these fields, there is some bad reputations in the area of fraud and fraudulent transactions. There are many scams and in the field of personnel, many scammers. We are proud of our reputation of checking and verifying all our products and personnel. Fraudulent financial transactions are the norm. Our checking procedures are second to none.”
The company was established in early 2005 to serve the booming international construction industry. We work with associate companies worldwide.
Soon after its establishment, Strathclyde Associates Trading and Management Construction Company made a number of associations mainly in the Pacific and Southeast Asia regions. These business partnerships added extra strength to Strathclyde Associates Trading and Management Construction Company. We are proud to be associated with projects in countries including Thailand, Indonesia, Singapore and Seoul, S Korea.
Strathclyde Associates Trading and Management Construction Company are passionate in the belief that from adversity comes opportunity. We believe that sustainable competitive advantage is always predicated upon the focused execution of a few core strengths or principles that are endemic to each particular company.
Market Outlook June 2010: Strathclyde Associates | UKPRwire
Government bond markets have had a very traumatic month. The major markets have held fairly steady; but there have been dramatic falls in some of the minor markets, especially in Europe, after the decision by Standard and Poor’s to downgrade the level of Greek government debt to “junk” status.
[UKPRwire, Fri Jun 04 2010] Government bond markets have had a very traumatic month. The major markets have held fairly steady; but there have been dramatic falls in some of the minor markets, especially in Europe, after the decision by Standard and Poor’s to downgrade the level of Greek government debt to “junk” status.
The central banks are maintaining short-term interest rates at very low levels, and so the bond markets are continuing to receive some support. But this is being totally offset by the consequences of the massive fiscal deficits around the world that are placing enormous pressures on the bond markets.
Market Outlook June 2010: “Strathclyde Associates, Korea”: The Greek situation remains in the eye of the storm, and has led to the decision to downgrade its debt to “junk” status despite a formal request for aid from the IMF and other member countries of the euro-zone to enable it to refinance its maturing debt and avoid a default. It is clear that the contagion is spreading to other members of the euro-zone, and so investors have continued to switch funds from the bond markets of the weaker countries and this has provided further support for the stronger markets. A significant development has been the strength of the US market.
Market Outlook June 2010: “Strathclyde Associates, Korea”: However the prospects for all the other markets remain very uncertain. There will continue to be support from slow growth and low short-term rates; but there was always the risk that the fiscal policies that were introduced to counter the recession would produce problems in the bond markets, and there is now a risk that the markets may run out of
control.
The Bank of International Settlements has recently warned “that the aftermath of the financial crisis is poised to bring the simmering fiscal problems in industrial economies to boiling-point”, and that drastic measures will be needed to head off a compound interest rate spiral.
The latest developments in Greece have shown that the warning is fully justified. Sovereign debt defaults may still occur, and the single currency system in Europe may not survive in its present form.
Market Outlook June 2010: “Strathclyde Associates, Korea”: Prospects for bond markets in mainland Europe are therefore particularly uncertain. Not all markets elsewhere will be similarly affected, and some may even continue to benefit from the problems in Europe; but higher bond yields everywhere seem to be unavoidable. The US bond markets appears to have achieved an enhanced “safe haven” status, and has improved slightly over the over the past month. The recovery in the economy is only proceeding at a very slow pace, and the Fed is clearly intending to keep short-term interest rates at “exceptionally low levels”. But there are also serious funding problems in the market resulting from the huge fiscal deficit, and so it seems unlikely that the deficit can be adequately financed at present yield levels.
Market Outlook June 2010: “Strathclyde Associates, Korea”: Prospects for bond markets in mainland Europe are... particularly uncertain. Not all markets elsewhere will be affected, and some may even continue to benefit from the problems in Europe. The latest evidence on the economic performance is
encouraging. Retail sales rebounded sharply in March; non-farm payrolls increased at the fastest monthly pace for three years in the same month; and both manufacturing and service sector output was higher.
Market Outlook June 2010: “Strathclyde Associates, Korea”: The Fed is continuing to maintain a safe attitude. The statement after the latest meeting of its Open Market Committee is more encouraging, short-term interest rates have been left unchanged once again, and the unwinding of the stimulatory measures that were introduced to counter the recession is only proceeding at a very modest pace. Both the economic background and the policy of the Fed is continuing to support the market. However it is clear that the bond markets in mainland Europe face far more serious problems. The economic recovery is only proceeding at a slow pace, and short-term interest rates are likely to remain low; but the massive
fiscal deficits and their possible consequences are offsetting any possible benefits. Much now depends on developments in Greece. Despite a humiliating appeal to the IMF and to other member countries for help in financing its maturing debts, its bonds have been downgraded to “junk” status because of doubts about the rescue operation, and fears about the poor economic performance.
Market Outlook June 2010: “Strathclyde Associates, Korea”: If the Greek authorities can implement the austerity measures that are being demanded before any loans are granted, then the threat of default on Greek bonds may be reduced, and there will be more time for other countries that are in similar difficulties, Portugal, Spain, Ireland, and even Italy, to take corrective action. But the situation clearly remains extremely uncertain, and this has persuaded investors to take evasive action, and to push yield spreads between stronger and weaker bonds to record levels. It was only after considerable hesitation that the Greek government made the formal request for aid. It was clearly concerned that the social unrest that has already occurred in the country would make it extremely difficult to implement even more extreme austerity measures; but in the end it had no choice. The request has produced a provisional agreement for the IMF to provide €15 billion in loans, and for the other member countries of the euro-zone to provide €30 billion, with the amounts varying according to the respective size of the lending country. The odds still seem to favour a successful completion of the loan agreement; but each country has still to obtain the necessary parliamentary approvals, and this is producing particular difficulties in Germany. In order to secure the necessary approvals, the German government is insisting
that the Greek government produced detailed proposals to meet the budget deficit reductions that are required for 2011 and 2012, as well as for the current year, before it can qualify for the loans. This is not likely to be an easy task; but all the parties are aware of the possible consequences of failure, and so some kind of “fudged” agreement seems inevitable. This may provide a short-term respite in the markets; but the overall prospects remain unattractive. The gilt edged market has remained relatively stable over the past month, despite the uncertain situation in the UK. There has been evidence of a further modest improvement in the economic background, and the Bank of England is holding short-term interest rates at low levels. But the UK also has very serious fiscal problems, and there are doubts whether the new government formed after the forthcoming general election will be able to cope adequately with those problems. It is possible therefore that it has been the disaster in the bond markets in mainland Europe that has been the main reason why the gilt edged market has performed so well. The economy is clearly continuing to benefit from the monetary and fiscal policies that were introduced to counter the recession; and so although unemployment remains high and the housing market recovery is very fragile, the recovery in activity is continuing.
Market Outlook June 2010: “Strathclyde Associates, Korea”: The Office of National Statistics has recently estimated that growth in the first quarter of the year was only at a 0.2% rate; but it is likely that this estimate will be revised higher, and we expect that growth will be around the 2% level this year. However this is not likely to persuade the Bank of England to make any early moves to push short-term interest rates higher, and so the gilt edged market will continue to receive considerable support. The Japanese bond market has remained unchanged over the past month. The recovery from recession in and so there is political pressure for new policies to counter deflation, to monetise the government debt, and to push the exchange rate sharply lower to encourage the export effort. However the Japanese authorities have also been warned that they must prepare an aggressive plan to repair the fiscal position, or risk a downgrade in the country’s credit rating. Fitch Ratings has recently said, that “in the absence of sustained economic recovery and fiscal consolidation, government debt will continue to rise, placing downward pressure on sovereign credit and ratings over the medium term”. This is the second time in less than six months that Fitch has expressed concern about the fiscal position; and Standard and Poor’s has also cut its outlook on Japan’s AA long-term rating to negative this year. So far these comments have been ignored, and Japanese institutional investors have continued to invest massive sums in the bond market. It is unlikely that this situation will change quickly, and so the Japanese government does not face the possibility of a sovereign debt default; but if no action is taken, and economic growth remains disappointing, it seems inevitable that the pressures must eventually push yields higher.
[UKPRwire, Fri Jun 04 2010] Government bond markets have had a very traumatic month. The major markets have held fairly steady; but there have been dramatic falls in some of the minor markets, especially in Europe, after the decision by Standard and Poor’s to downgrade the level of Greek government debt to “junk” status.
The central banks are maintaining short-term interest rates at very low levels, and so the bond markets are continuing to receive some support. But this is being totally offset by the consequences of the massive fiscal deficits around the world that are placing enormous pressures on the bond markets.
Market Outlook June 2010: “Strathclyde Associates, Korea”: The Greek situation remains in the eye of the storm, and has led to the decision to downgrade its debt to “junk” status despite a formal request for aid from the IMF and other member countries of the euro-zone to enable it to refinance its maturing debt and avoid a default. It is clear that the contagion is spreading to other members of the euro-zone, and so investors have continued to switch funds from the bond markets of the weaker countries and this has provided further support for the stronger markets. A significant development has been the strength of the US market.
Market Outlook June 2010: “Strathclyde Associates, Korea”: However the prospects for all the other markets remain very uncertain. There will continue to be support from slow growth and low short-term rates; but there was always the risk that the fiscal policies that were introduced to counter the recession would produce problems in the bond markets, and there is now a risk that the markets may run out of
control.
The Bank of International Settlements has recently warned “that the aftermath of the financial crisis is poised to bring the simmering fiscal problems in industrial economies to boiling-point”, and that drastic measures will be needed to head off a compound interest rate spiral.
The latest developments in Greece have shown that the warning is fully justified. Sovereign debt defaults may still occur, and the single currency system in Europe may not survive in its present form.
Market Outlook June 2010: “Strathclyde Associates, Korea”: Prospects for bond markets in mainland Europe are therefore particularly uncertain. Not all markets elsewhere will be similarly affected, and some may even continue to benefit from the problems in Europe; but higher bond yields everywhere seem to be unavoidable. The US bond markets appears to have achieved an enhanced “safe haven” status, and has improved slightly over the over the past month. The recovery in the economy is only proceeding at a very slow pace, and the Fed is clearly intending to keep short-term interest rates at “exceptionally low levels”. But there are also serious funding problems in the market resulting from the huge fiscal deficit, and so it seems unlikely that the deficit can be adequately financed at present yield levels.
Market Outlook June 2010: “Strathclyde Associates, Korea”: Prospects for bond markets in mainland Europe are... particularly uncertain. Not all markets elsewhere will be affected, and some may even continue to benefit from the problems in Europe. The latest evidence on the economic performance is
encouraging. Retail sales rebounded sharply in March; non-farm payrolls increased at the fastest monthly pace for three years in the same month; and both manufacturing and service sector output was higher.
Market Outlook June 2010: “Strathclyde Associates, Korea”: The Fed is continuing to maintain a safe attitude. The statement after the latest meeting of its Open Market Committee is more encouraging, short-term interest rates have been left unchanged once again, and the unwinding of the stimulatory measures that were introduced to counter the recession is only proceeding at a very modest pace. Both the economic background and the policy of the Fed is continuing to support the market. However it is clear that the bond markets in mainland Europe face far more serious problems. The economic recovery is only proceeding at a slow pace, and short-term interest rates are likely to remain low; but the massive
fiscal deficits and their possible consequences are offsetting any possible benefits. Much now depends on developments in Greece. Despite a humiliating appeal to the IMF and to other member countries for help in financing its maturing debts, its bonds have been downgraded to “junk” status because of doubts about the rescue operation, and fears about the poor economic performance.
Market Outlook June 2010: “Strathclyde Associates, Korea”: If the Greek authorities can implement the austerity measures that are being demanded before any loans are granted, then the threat of default on Greek bonds may be reduced, and there will be more time for other countries that are in similar difficulties, Portugal, Spain, Ireland, and even Italy, to take corrective action. But the situation clearly remains extremely uncertain, and this has persuaded investors to take evasive action, and to push yield spreads between stronger and weaker bonds to record levels. It was only after considerable hesitation that the Greek government made the formal request for aid. It was clearly concerned that the social unrest that has already occurred in the country would make it extremely difficult to implement even more extreme austerity measures; but in the end it had no choice. The request has produced a provisional agreement for the IMF to provide €15 billion in loans, and for the other member countries of the euro-zone to provide €30 billion, with the amounts varying according to the respective size of the lending country. The odds still seem to favour a successful completion of the loan agreement; but each country has still to obtain the necessary parliamentary approvals, and this is producing particular difficulties in Germany. In order to secure the necessary approvals, the German government is insisting
that the Greek government produced detailed proposals to meet the budget deficit reductions that are required for 2011 and 2012, as well as for the current year, before it can qualify for the loans. This is not likely to be an easy task; but all the parties are aware of the possible consequences of failure, and so some kind of “fudged” agreement seems inevitable. This may provide a short-term respite in the markets; but the overall prospects remain unattractive. The gilt edged market has remained relatively stable over the past month, despite the uncertain situation in the UK. There has been evidence of a further modest improvement in the economic background, and the Bank of England is holding short-term interest rates at low levels. But the UK also has very serious fiscal problems, and there are doubts whether the new government formed after the forthcoming general election will be able to cope adequately with those problems. It is possible therefore that it has been the disaster in the bond markets in mainland Europe that has been the main reason why the gilt edged market has performed so well. The economy is clearly continuing to benefit from the monetary and fiscal policies that were introduced to counter the recession; and so although unemployment remains high and the housing market recovery is very fragile, the recovery in activity is continuing.
Market Outlook June 2010: “Strathclyde Associates, Korea”: The Office of National Statistics has recently estimated that growth in the first quarter of the year was only at a 0.2% rate; but it is likely that this estimate will be revised higher, and we expect that growth will be around the 2% level this year. However this is not likely to persuade the Bank of England to make any early moves to push short-term interest rates higher, and so the gilt edged market will continue to receive considerable support. The Japanese bond market has remained unchanged over the past month. The recovery from recession in and so there is political pressure for new policies to counter deflation, to monetise the government debt, and to push the exchange rate sharply lower to encourage the export effort. However the Japanese authorities have also been warned that they must prepare an aggressive plan to repair the fiscal position, or risk a downgrade in the country’s credit rating. Fitch Ratings has recently said, that “in the absence of sustained economic recovery and fiscal consolidation, government debt will continue to rise, placing downward pressure on sovereign credit and ratings over the medium term”. This is the second time in less than six months that Fitch has expressed concern about the fiscal position; and Standard and Poor’s has also cut its outlook on Japan’s AA long-term rating to negative this year. So far these comments have been ignored, and Japanese institutional investors have continued to invest massive sums in the bond market. It is unlikely that this situation will change quickly, and so the Japanese government does not face the possibility of a sovereign debt default; but if no action is taken, and economic growth remains disappointing, it seems inevitable that the pressures must eventually push yields higher.
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