Security and Risk Online - Online scams cost Christmas shoppers over £10m last year



The festive period is a time for giving gifts, eating mince pies and spending quality time with your loved ones. However, unfortunately, police warn it’s also “prime time” for fraudsters as Christmas shoppers were fleeced of more than £10 million in online scams last year.

As huge numbers of bargain-hunters prepare to log on on Black Friday, officers highlighted the growing trend for criminals to use social media to target potential victims with apparently attractive deals.

One victim lost £86,000 when they tried to purchase a boat from a fraudster on eBay, police said.

Some 12,142 people said they had been bitten by online shopping fraud during the last Christmas period – with 133 saying they had been defrauded on Black Friday and another 115 falling victim on Cyber Monday.

City of London Police, who run the national reporting centre Action Fraud, are launching an awareness campaign aimed at helping shoppers avoid being conned.

Commander Chris Greany, the National Co-ordinator for Economic Crime, said: “Christmas is prime time for fraudsters to take advantage of the British public.

“During the festive season people rush to buy the presents they have been asking for; however, fraudsters see this period of generosity as an opportunity to strike and steal money from unsuspecting victims.

“Our campaign is designed to give individuals up-to-date advice that will keep them one step ahead of the criminals that target UK shoppers from all over the globe. Everyone deserves a crime-free Christmas so make sure it’s the criminals that are left short-changed this festive period.”

Young people are increasingly being approached on social media channels by fraudsters who offer seemingly great Christmas shopping deals, according to the police force.

It said that last year more people than ever reported that they had been initially approached on Instagram, with a 67% increase compared with the year before.

Analysis of Action Fraud reports from last Christmas showed that items such as home electricals, mobile phones and jewellery were the most common items which fraudsters offered to victims.

Separate research published earlier this week found that nearly a third of online shoppers may be tempted to put themselves at risk of fraud during the frenzy to grab a Christmas bargain.

Criminals use scam emails, fake ads on social media or internet searches promising heavy discounts for desirable goods to trick people into visiting fake websites and entering their card details. Once fraudsters harvest this information, they use victims’ details to go on shopping sprees.

So make sure you’re careful when online shopping, to make sure that your Christmas isn’t anything less than happy.

CRIB Advisors Mentors Singapore - FOUNDERS

Dr. Elaine Kim

Elaine is a medical doctor, entrepreneur and travel journalist. She currently practises palliative care at HCA Hospice Care, and is a Partner of Trinity Bridal in Hong Kong and Trinity Gallery in Singapore. Within CRIB, Elaine co-founded and serves as a creative director for boutique event planning company Milk and Honey and co-founded Trehaus Co-Work, Singapore’s first co-working space with adjacent child-minding and enrichment facilities. Elaine is an ambassador for SNOW and has led awareness-building and fund-raising initiatives for causes that support patients with cancer, the terminally ill, and protect at-risk children from trafficking and abuse. She is married to venture capitalist John Kim and they have two young sons. Her ABC Entrepreneur Profile is Angel.

Marilyn Lum

As the director of Lum Wen Kay Holdings, Marilyn manages investments in Singapore and China. She started her career in the hospitality and tourism industry, with over 5 years of experience in the front office, food and beverage and recreation department at Crowne Plaza Changi Airport. Marilyn is currently pursuing her doctorate in education and is an adjunct lecturer and curriculum developer for several hospitality management schools. She is also on the lifestyle committee of Singapore Island Country Club. Marilyn and her husband have a young son. Her ABC Entrepreneur Profile is Business Manager.

Tjin Lee

Tjin is Founder and CEO of the award-winning Mercury Group of companies comprising, Mercury Events, Mercury PR, Mercury Creative and Mercury M&C. She is also the Founder and Festival Director of the Audi Fashion Festival and a passionate entrepreneur with a directorship in nine local businesses, including Trehaus Co-work, Curated Editions, Baby Style Icon and Wolfgang Violin Studio. Tjin is the recipient of the inaugural Singapore Tatler Young Achiever Leadership Award 2010, and Mercury has won numerous awards including the Singapore Tourism Board Experience Awards for Best Leisure Event for Audi Fashion Festival, and Best Exhibition for Blueprint. Tjin has a two young sons. Her ABC Entrepreneur Profile is Creative.

Mei Chee

Mei is the regional head of product marketing at a global technology company. Prior to that, she held various roles in portfolio and product management, research, marketing and strategy within the ICT industry. Mei is passionate about how technology and social enterprises can impact lives and shape culture. She served as advisor to The Whiz Times, a digital media platform for 5-12 year olds, and co-founded a global microenterprise initiative while pursuing her MBA at the Harvard Business School. Mei and her husband have a son, and she shares her parenting journey at Finally Mama as a member of Singapore Mom Bloggers. Her ABC Entrepreneur Profile is a blend of Angel, Business Manager and Creative.

BRICON ASSOCIATES PTE LTD - International Health Insurance

Whether you’re at home or living or working abroad, the last thing you want to worry about is your health. You need the peace of mind that comes from knowing that your medical needs are protected and you have access to the appropriate treatment available, whenever and wherever you need it. Naturally, you want a comprehensive international health insurance plan, giving you and your family instant access to an expert team of people who understand your situation and treat you with respect and compassion every time you contact them. With this international health policy, this is made possible.

We understands that everybody has a different budget and requirements. That is why our International healthcare insurance plans has three levels of cover, as well as options for extra international assistance and a choice of deductibles.

Prime level – This level gives you all the health coverage you need for both in-patient and out-patient care. Gold also covers family doctor treatment and any prescription you may need, as well as accident-related dental treatment. Maternity cover (after 10 months of continuous membership), home nursing and a range of four preventive health checks are also included in this comprehensive plan.

Middle level -This is designated to cover you and your family for any specialist medical treatment or diagnosis. You will be covered for in-patient hospital stays as well as out-patient consultations, treatment such as physiotherapy and a range of preventive health checks. Drugs, dressing and GP (family doctor) consultations are not covered. Maternity cover is available after 10 months of continuous membership.

Essential Plan – This level concentrates on covering you for in-patient hospital stays. You have the security that you will be covered for treatment you may receive as an in-patient or day-care patient.

SC Advisors Real Estate Development - DR. PHILLIPS CHARITIES



DEVELOP 60,000 SF HEALTH PAVILION AND 180 UNIT SENIOR HOUSING CAMPUS

Dr. Phillips Charities is one of the largest landholders in Central Florida and also one of its most generous benefactors. Using the revenue from their income-producing properties, DPC has granted over $160 million to charitable initiatives throughout the region.

In 2013, DPC set out to develop a 26 acre in-fill site in the heart of the Dr. Phillips community in a way that would enhance the surrounding community while achieving the return on investment needed to advance their charitable initiatives. They turned to SC Advisors.

SCA launched a comprehensive feasibility study including a site analysis, exhaustive market and trend studies, and pro forma business and development models. What emerged was a vision for a high end senior housing complex and a health pavilion housing multiple medical disciplines, many of them related to senior care.

Once DPC’s leadership approved the plan, SCA proceeded with site planning, use permitting, building design and possible deal structures. We then guided DPC through the selection of senior housing and health care partners and helped negotiate their terms and agreements

Upon successful completion of the pre-development work, SCA was retained to provide Developer’s and Owner’s Representative Services for the design and construction of the 60,000 sf Spring Lake Health Pavilion and 180-unit senior housing campus.

Ground was broken in late 2015 and the project is on its way to a successful completion.

Car Tips - Dishonesty and Car Insurance Policies



If drivers have one thing in common, it is that we all want low car insurance rates. Taking advantage of the discounts car insurance companies offer and maintaining a good driving record could go a long way towards saving on car insurance.

While these are good, honest ways to lower your rates, some customers choose to hide information or lie on their car insurance applications in an attempt to get cheap car insurance.

It may be tempting stretch the truth with your car insurance provider, but it can lead to negative consequences.

How Car Insurance Rates Are Determined

It is important to understand how car insurance rates are determined in order to know how and why people would lie on their applications to get lower rates.
Your car insurance is typically determined using several rating factors that include the following:

• Your driving record and the driving records of each additional driver you wish to add to the policy.
• Insurance claims history.
• Credit history.
• Your car’s year, make, and model.
• Primary parking location of the car.
• Average miles driven per day.
• Your age and gender.
• Your marital status.

The above rating factors are examples of the most common car insurance rating factors. Some states restrict insurance companies from using certain factors to determine car insurance rates. These restrictions generally apply to credit history and gender.

Common Lies Told by Applicants

When applying for car insurance, a driver might not tell the truth regarding some of the above rating factors. When an applicant deliberately lies on his application to save money, this is considered “soft fraud.”

Car insurance agents see certain misrepresentations more often than others. Often, applicants intentionally (or unintentionally – e.g., because they forgot) give false information regarding the following:

• The number of traffic violations or accidents on the driver’s record.
o Having tickets, at-fault accidents, or other violations can increase your rates. Some applicants may lower the number of violations they’ve had in order to try to obtain a better quote.
o NOTE: Background and driving record inquiries can easily check this information.
• Where the driver parks.
o Parking your car in a garage rather than out on the street can save you money on car insurance
o Some applicants will lie about keeping their car in the garage, even if they don’t own a garage.
• Miles driven.
o Driving less means you face fewer risks, which ultimately means cheaper car insurance rates.
o Applicants will often lie by giving a number significantly lower than their actual average miles driven per day.

Remember, with the Internet, checking accuracy on the facts you provide is relatively simple. Always assume your information will get verified and give accurate information.

If you can’t remember a piece of information, don’t make up facts. Try to gather all the necessary information before getting a quote.

Effects on Your Policy

Most states have laws regarding when an insurance company can or cannot cancel your policy. Lying on an application is typically considered grounds for cancellation of your policy, but typically only if the information is material, meaning the information can affect the decision about whether to insure you.

Keep in mind that most states require you to have car insurance if you are driving your car on public roads. A cancellation of your policy would cause a lapse of car insurance coverage and you could be in violation of law if you operate your car while it is uninsured.

Dishonesty and Car Insurance Claims

As stated earlier, it isn’t always easy for car insurance companies to know if you are being truthful on your application. They cannot check every detail, such as where you park your car overnight. However, this can change if you need to make a claim on your insurance.

If, for example, you have comprehensive car insurance and you need to make a claim because your car was damaged in a hailstorm, you may find that your insurance company will investigate this claim.

If they find that you park your car out on the street when you stated in your application that you park it in a garage, they can deny that claim. You will responsible for paying all the repair costs.

If your car insurance company finds out you gave false information in your application, and they do not cancel your policy, you might experience a hefty rate increase.

Honesty Really Is the Best Policy

Lying to get a better rate can be tempting, but it does come with consequences you don’t want to face. Car insurance companies also pass any costs they face due to lies on to other customers. So in an attempt to get discounted rates, you actually contribute to the increased rates for everyone.

Taking advantage of car insurance discounts and driving safely is a much better way of saving on your policy.

SC Advisors Real Estate Orlando Projects in Singapore Review - Brent Daubach joins SC Advisors, LLC

Brent Daubach has joined SC Advisors, LLC, as project manager for the Citrus Bowl stadium renovation. With 15 years of design and construction experience, Daubach brings diverse skills and expertise in sports venues to one of Orlando’s most noted landmarks and the SC Advisors team.

Daubach's previous projects demonstrate his extensive expertise in project management, scheduling, budgeting, negotiations and field supervision. He served as project manager for the $515 million retractable roof stadium for the Miami Marlins. This project included a retractable wall located in the outfield, state-of-the-art video displays, modern finishes and public art throughout the stadium's exterior.

In addition, he coordinated the $250 million renovation of the Kansas City Royals' Kaufman Stadium and served as project manager for the St. Louis Cardinals' new Busch Stadium.

Daubach attended the University of Illinois, receiving his Bachelor of Science degree in Civil Engineering.

With more than 40 years of team experience and $2 billion in development and transactions, Orlando-based SC Advisors specializes in owner’s representation, public/private development, acquisition/disposition and investment/trust advisement.

Car Tips - How to Handle Staged Car Accidents

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Pensotti Quality Heating Boilers and Panel Radiators - OUR WHOLESALERS



PENSOTTI'S WHOLESALERS & DISTRIBUTORS

At Pensotti, we pride ourselves in the relationship we have with our wholesalers - one of trust, commitment and loyalty. Below is a list of our wholesalers and distributors that installers can contact to purchase a Pensotti /Granby product. If you are a homeowner and would like to have more information about our products, please contact an authorized installer in your area.

MAINE

REDLON & JOHNSON
https://www.ferguson.com/
Portland (207) 773-4755
Augusta (207) 623-4517
Bangor (207) 947-3301
Bath (207) 443-5592
Lewiston (207) 784-5721
Presque Isle (207) 764-1944
Windham (207) 892-0290

WINSUPPLY COMPANY
Bangor (207) 942-0293
http://bangorwinsupply.com/
Biddeford (Coastal Winair) (207) 284-2406
http://www.coastalwinair.com/

WEBBER SUPPLY
http://www.webbersupply.com/
Augusta (888) 685-6755
Bangor (800) 524-4141
Portland (877) 699-3596

SELCO PLUMBING & HEATING SUPPLY
Lewiston (207) 783-6927
http://www.myselco.com/

WINSLOW SUPPLY
Winslow (207) 873-5608

THE GRANITE GROUP
https://www.thegranitegroup.com/
Auburn (207) 514-1280
Portland (207) 871-1441

SID HARVEY
http://www.sidharvey.com/
Brewer (207) 989-7285
Portland (207) 775-2735
Presque Isle (207) 764-8601

NEW HAMPSHIRE

REDLON & JOHNSON
https://www.ferguson.com/
Manchester (603) 669-8100
Nashua (603) 589-7580
Portsmouth (603) 436-3550

WINSUPPLY COMPANY
Laconia (603) 528-9466
http://www.laconiawinair.com/

API OF NH
http://www.apiofnhanddeltat.com/
Manchester (603) 668-7810
Portsmouth (603) 430-7820

SID HARVEY
http://www.sidharvey.com/
Dover (603) 740-9715
Manchester (603) 669-3060

MASSACHUSETTS

SID HARVEY
http://www.sidharvey.com/
Auburn (508) 756-4315
Malden (781) 322-9600

B & D SUPPLY
http://www.bd-supply.com/
Worcester (508) 363-4000
Southbridge (508) 765-7900
Leominster (978) 534-6288

WATER AIR SUPPLY
Medford (781) 396-5300
http://www.waterairsupply.com/

JOMAR DISTRIBUTORS
http://jomardist.com/
Dedham (781) 329-4951
Framingham (508) 620-8885
Taunton (508) 821-9460
Watertown (617) 926-4556
Woburn (781) 933-6614

WINSUPPLY COMPANY
Weymouth (781) 749-5770
http://winsupplyofhingham.com/
Salisbury (978) 462-7450
http://salisburywinnelson.com/

API OF NH / DELTA T
http://www.apiofnhanddeltat.com/
Chelmsford (978) 244-1475
Waltham (781) 893-0800
Franklin (508) 528-6660
Bridgewater (508) 279-0525

SUPPLY NEW ENGLAND
http://www.supplynewengland.com/
Attleboro (508) 222-5555
Boston (617) 787-1800
Edgartown (508) 693-6792
Fall River (508) 673-5801
Falmouth (508) 457-9720
Nantucket (508) 228-0544
Orleans (508) 255-0560
South Uxbridge (508) 278-7761
West Yarmouth (508) 790-2259

SEEKONK SUPPLY
https://www.seekonksupply.com/
Bridgewater (508) 697-6650
North Attleboro (508) 695-6650
Rehoboth (508) 336-6650

RHODE ISLAND

SEEKONK SUPPLY
Providence (401) 421-6650
https://www.seekonksupply.com/

AUTOMATIC HEATING EQUIPMENT
Providence (401) 521-8877
http://www.autoheatri.com/

API OF NH / DELTA T
Warwick (401) 861-1776
http://www.apiofnhanddeltat.com/
SID HARVEY
Providence (401) 521-9332
http://www.sidharvey.com/

SUPPLY NEW ENGLAND
http://www.supplynewengland.com
Middletown (401) 846-6830
Pawtucket (401) 722-7010
Pecedale (401) 789-0991
Warwick (401) 739-8000

CONNECTICUT

SUPPLY NEW ENGLAND
http://www.supplynewengland.com/
Guilford (203) 453-4358
Hartford (860) 953-7701

BENDER
http://benderplumbing.com/
Bridgeport (203) 579-4499
Hartford (860) 233-6606
New Haven (203) 787-4288
Stamford (203) 324-6166
Waterbury (203) 756-8013

WINSUPPLY COMPANY
Essex (Essex Winair) (860) 767-9018
http://www.essexwinair.com/
Shelton (Shelton Winair) (203) 929-6319
http://www.sheltonwinair.com/
Vernon (860) 872-4822
http://vernonwinnelson.com/
Willimantic (860) 456-9178
http://willimanticwinnelson.com/
Danbury (Danbury Winair) (203) 740-2152
http://mywinair.com/

NEW YORK
Albro
http://www.albrohvac.com/
Newburgh (845) 565-2400
Mahopac (845) 621-3200

PENNSYLVANIA

Peirce-Phelps
http://www.peirce.com/
Allentown (610) 266-5744
Broomall (610) 541-0430
Camp Hill (717) 731-1500
Lancaster (717) 295-8330
Bensalem (215) 879-7002
Reading (610) 750-8301
State College (814) 231-1280
Norristown (610) 666-8000
Warminster (267) 966-2356
West Chester (610) 235-2777
Wilkes-Barre (570) 823-3146
York (717) 840-8875

NEW JERSEY

Peirce-Phelps
http://www.peirce.com/
Pennsauken (856) 663-5818
Egg Harbor Twp (609) 641-3017
Bridgeport (215) 879-7212
Ewing Twp (609) 392-2694
Vineland (856) 405-2575
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Luiesen Andersen

Author:Luiesen Andersen
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