On this July’s newsletter you will find information on two events for this current month and one big event that we want you to add on your calendar that will be happening in September.
The events in July are our Monthly Network that will be on July 21st at 6:30pm at the Brazilian Mall. The second event will be on July 29th and will be a Prudential presentation on the Retirement Red Zone.
The event in September is the “Brazilian Day in LA”. That is an event held by the Brazilian Consulate on September 12th.
All those events are opportunities for your to meet new people, promote your business and create more exposure for your company. We at the Chamber believe events to be a very good tool specially during tough times.
The Prudential event will be the first of many held by Prudential. If a secure retirement is your highest financial goal, understanding the potential pitfalls shoud be one of your greatest concerns.
On this issue you will also find an article from the “Inc.Technology” named “Device Detection Protects Your Site from Fraud”. An important article that can give other options on on-line purchases protection.
We hope you will find all this information helpful for you and your company.
Have a great month of July!
President of BCCC
“BRAZILIAN DAY IN L.A.”
SAVE THE DATE
SATURDAY, SEPTEMBER 12, 2008 12 noon to 6 pm La Brea Tarpits (Hancock Park) 5801 Wilshire Blvd. Los Angeles CA 90036 Free Admission
An afternoon to spend with family and friends, enjoying the best of
Brazilian music, dance, and cuisine!
Sponsorship Opportunities and Booth Spaces Available
Cultural Department Consulate General of Brazil in Los Angeles 8484 Wilshire Blvd., Suite 730 Beverly Hills, CA 90211 Tel.(323) 651-2664 Fax (323) 651-1274
The Brazil-California Chamber of Commerce
and Prudential have the pleasure of inviting you to a luncheon presentation on the Retirement Red Zone
Are you Prepared For The Retirement Red Zone?
Retirement planning is an emotional subject. Many people fear they are not saving enough. Others are confused about their investment options or unsure if their savings are invested aggressively enough. Still other may be saving and investing wisely, but are concerned they simply started too late. But for everyone, there is a 10-year period of time – the five years before and the five years after retirement – that is especially critical. Prudential Financial has dubbed this time period “The Retirement Red Zone”, and issued a research study in 2006 bearing the same name.
Retirement planning is all about managing risks – such as the risk of inflation eroding retirement savings, the risk of a market downturn depleting needed assets, the risk of a major illness or disability, or longevity risk – the risk of outliving your retirement assets. The Retirement Red Zone is a particularly important time when it comes to managing risks, because, for many, it’s the time they can least afford them. It’s also especially significant for women, who tend to have fewer retirement resources of their own, and who are more likely to be on their own at some point in their retirement years.
Key Retirement Red Zone survey finding indicated that:
* 63% of participants were not aware of the long-term impact of investment losses experienced in the Retirement Red Zone
* 41% said that they would expect to keep working or return to work if faced with an investment loss just before or early or retirement.
* Nearly seven in 10 said they needed to rethink how conservatively or aggressively they should invest.
* Over half wondered if they should be seeking out better financial advice.
* 51% will decide whether to purchase products that generate retirement income during this timeframe.
Seek advice. Whether you are just starting out in the work force or halfway to retirement, the most productive thing you can do is seek professional advice. Meet with a licensed financial professional to analyze your current investment strategies and to become educated on products and services, which can address your long-term care insurance depends on your age, the benefits you choose, the length of coverage and other factors.
Consider life insurance. Take stock of everything you do for your family so you can understand the value of what your provide in addition to your income. You work hard to help your family have a comfortable life. Life insurance can help ensure your family will be taken care of and continue to let you be part of their future if you were no longer around.
Create a cash reserve. Cash reserves are sometimes an overlooked component in the retirement plan. It’s a good idea to set aside cash that can carry you for several years, while investing the remainder in your growth portfolio. Review your accounts every six to 12 months to maintain a healthy balance between investments and cash reserves.
Investigate Annuities. An annuity with a guaranteed lifetime annual payout can help insure you against poor returns on other investments, and help protect you against the risk of outliving your assets. As with every other potential scenario, there are many personal variables, but in powerful planning solution to manage longevity and investment return risks. All guarantees are backed by the claims-paying ability of the issuing company.
Unfortunately, there is no one-size-fits-all solution for retirement planning. Many of us will need professional support to determine a strategy that will help maximize and protect our retirement assets. Meeting with a qualified financial professional now can help you map out your intentions, identify insurance and financial product needs, and navigate the “Retirement Red Zone” when the time comes. For more information, visit www.retirementredzone.com.
Provided courtesy of Prudential. For more information, contact Ming Tsay, CA insurance license #0D29666, is a Financial Services Associate with The Prudential Insurance Company of America’s Grand Pacific Agency located in City of Industry, CA.
THIS SEMINAR LUNCHEON IS COMPLEMENTARY FOR CHAMBER MEMBERS AND NON-MEMBERS.
Ming S. Tsay
Prudential Financial Services Associate
CA Insurance License #0D29666
Date:Wednesday, July 29th, 2009
Lunch Presentation:12:00 noon – 12:45pm
Location:Callender’s Grill – 5773 Wilshire Blvd, LA 90036
RSVP by July 24th, 2009
Ming Tsay Glauco Magalhaes
626-810-0905 ext 7240 310-850-3602
Device Detection Protects Your Site from Fraud
New device detection services can give online businesses a lot of detail about devices being used to access their sites. Providers of these services say this is the best way to tell whether a new customer is going to perpetrate fraud.
2Checkout.com is a hosted solution that lets small businesses accept credit card
and PayPal payments online. With 20,000 to 30,000 companies using its service for hundreds of thousands of customers, fraud is a constant concern.
2Checkout.com used to avoid fraud through address verification (making sure credit card billing address matches the one provided by the user), bank identification number (BIN) matching, and verifying computer IP addresses,
according to Sebbe Jones, manager of fraud and disputes. But as the operation grew, and technological changes affected its automatic fraud controls, 2Checkout found it was having to flag more and more of its transactions for review by a human employee before completion. “Our
review rate went from around 25 percent to around 45 percent,” Jones says. “We got very behind in verifying orders — as much as three or four days behind. We knew vendors wouldn’t stay with 2Checkout.com for very long if we didn’t do something about it.”
Device “fingerprinting” solution
For 2Checkout.com, part of the solution is a technology variously called “device detection,” “device identification,” or “device fingerprinting” that allows an e-business or other site to collect and analyze data about the device connecting to the website, wholly separate from that provided by the human using it.
“We can monitor whether the computer’s time stamp matches the location where the user claims to be, whether the fonts in use on the computer match the local language in that location, and whether the computer is pretending to use a different operating system than what is actually installed — a Linux computer running a Windows simulation, for instance,” says Reed Taussig,CEO of ThreatMetrix, “a subscription device detection provider. Of course, there could be a perfectly innocent explanation for any of these — they simply serve as red flags that indicate a transaction may require human review. These tools are especially important these days, because checking a device’s IP address no longer provides the fraud protection it once did”, he adds. “Most people think it’s a silver bullet, but an IP address can easily be spoofed.”
Tips for successful device detection:
If you decide to add device detection to your e-business anti-fraud arsenal, here are some tips for getting the most out of this technology:
Know the rules — and how they should apply to your customers. You should understand exactly what attributes are likely to flag a device and which rules are appropriate, or inappropriate, for your customer base. “Once I was talking to the CTO of a gaming company, and I mentioned that our software could flag a computer that was cloaked,” Taussig recalls. “He said, ‘We don’t care about that. Gamers all cloak their computers.'”
Use device detection at all three stages of interaction with customers. “One advantage is that you can use device identification when a customer first creates an account, when he or she logs in to that account, and when processing a purchase,” Taussig says. This, he notes, gives you the best chance of identifying fraudsters before they can do any harm.
Plan for change. The one thing you can be sure of when it comes to fraud detection is that nothing will stay the same for long. You should be constantly reviewing and adjusting the rules used to flag possibly fraud, while surveying the horizon for new fraud innovations, and new technologies for fighting them. “Companies that do this well are watching the technology news, and reading about security breaches at other organizations,” says Shane Sims, director at PricewaterhouseCoopers. “They’re using that information to constantly adjust their fraud controls.”
By Minda Zettin
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