Bell Moore Group Inc. Review: Importance of Creating Worthwhile Value
How do we create value? Or how do we define it?
In business, creating value simply means providing your client with a benefit that outweighs the payment you receive in exchange for your service. Such benefit involves good service and support as well as providing real business outcomes that will maximize their potential income generation.
Bell Moore Group Inc. believes that creating value means involving the client fully in the process. It is our mission to consider their best interest while addressing their problems and generating real business solutions that will move them into their future plans. Bell Moore’s ability to create value as well as other financial and technical component has what maintained their reputation in the real estate industry. The firm believes that to gain the complete trust of each client, you need to understand their specific requirements and what they aspire to achieve in business.
Bell Moore was established on 1991, the firm’s principals, Rianne Bell and Lynn Moore, have delivered excellent professional service to many clients, including Sentinel Pension in New York, MAB American Property REIT in Australia, Paul Mitchell Trust in Hawaii and Summit REIT in Canada. Furthermore, they are also responsible for assisting former U.S Ambassador Mark Erwin in their family-owned investment company in Charlotte and other institutional clients locally and nationally.
In one of Bellmoore Group Inc review, paying attention to the client is important. Incorporating them into the process all throughout is critical for the success of the operation in the field of providing third-party management, leasing, brokerage and consulting services. Over the years, the firm has harnessed and developed what it requires to create value that will benefit the client over time giving the same value the company has consistently provided to all clients.
Devin Fitzpatrick Art Consultants Review: Eenvoudige tips voor het zetten van kunst in uw huis
U volledig begrijpen het idee achter de kunst als je eenmaal besloten om kunst te kopen voor uw huis, en het proces van het kiezen van mooie stukken voor het decoreren van een bepaalde ruimte is echt spannend. Devin Fitzpatrick Art Consultants suggereert op zoek naar speciale en unieke kunst die kunnen differentiëren uw persoonlijke ruimte van andere mensen.
Een deskundige zei zelfs dat de kunst een energie en elegantie aan het heeft. U wijzen op ten minste een of meer originele kunst op de muren van vele verfijnde en versierde ruimtes op top interieur magazines. Kunst kan inderdaad brengen dat extra "magie" naar een kamer.
Devin Fitzpatrick Art Consultants raadt het begin van uw zoektocht naar een goede en originele kunst in uw omgeving. Op deze manier u ook wat geld besparen, omdat het verwerven van originele kunst door lokale jonge kunstenaren is betaalbaar. Simpel gezegd je creativiteit in om meer persoonlijke touch toe te voegen. Je moet jezelf uitdrukken om het ontwerp van uw interieur waar het moet worden gevuld met objecten en kunstwerken die je persoonlijk liefde en waarderen.
Hier zijn Devin Fitzpatrick Art Consultants ' eenvoudige tips om het zetten van kunst voor uw huis:
Zet een frame
Om uw kunst een veel betere verschijning te geven en het te maken kijken duur, overweeg framing het. Zelfs met een goedkoop frame, is er een garantie dat er een goed verschil voor de kunst.
Overweeg de Toon en de schaal
U ook een experiment doen op het verschillende genre, maar vergeet niet om de Toon en de schaal balans. Zo kun je zwart-wit Foto's mixen en matchen met houtskooltekeningen en monochrome schilderijen.
Maak een collage
Naast het zetten van een groot en een mooi schilderij op de muur, u ook overwegen het plaatsen en organiseren van kleinere stukken bij elkaar, vooral als je een grotere muur. Bijvoorbeeld, u hangen verschillende maten van spiegels of andere interessante objecten om een verbazingwekkende collage te creëren.
Match het ontwerp met uw interieur concept
U wordt geadviseerd om zachter en meer klassieke stukken te krijgen als uw binnenland traditioneel is. En als uw interieur, aan de andere kant, is modern en conceptueel, dan moet je kiezen voor kunst met hetzelfde concept.
Krijg ideeën van tijdschriften
U goede ideeën of inspiraties krijgen als u informatie van decor tijdschriften en blogs leest en noteert.
Weet de betekenis
U moet bepalen en betrekking hebben op de betekenis achter elk kunstwerk om het te waarderen voor een lange periode van tijd.
Zorg voor evenwicht
Inzicht in de regeling die u wilde voor uw interieur heeft ook een aantal belang. Bepaal waar elk stuk moet gaan en te identificeren als het de juiste schaal. Zorg ervoor dat deze het juiste gevoel geeft en een goede balans heeft tussen de inhoud, de kleur en de vorm.
Consistent zijn
Nadat u beslist over het thema van uw interieur, zorgen ervoor dat je gaat in overeenstemming zijn met uw ontwerp. Het zou kunnen worden gegroepeerd op verschillende categorieën, zoals door middel van medium, genre, artiest, kleur, enz. Elk stuk in een bepaalde plaats moet betrekking hebben op elkaar en biedt in totaal een zinvolle uitstraling.
Krijg je handen op een goede kunst die je leuk vindt
Om meer tevreden met uw interieur, zorg ervoor om stukken die je eigenlijk liefde te kopen. Zoek degenen die overeenkomen met uw persoonlijkheid zo goed en zet in op een plaats die perfect past.
Philosophy of TCG Tokyo Consulting Group Japan
Management philosophy
The reason we work for
Why do we work?
The person who works with the motive to get something often thinks that he or she isn't getting anything in return, in spite of working so hard. However, the reason behind this is, just because one thinks that he or she is giving something to the customer or society does not necessarily mean that the customer / society think that they are being given something.
In other words, the real reason why one cannot get anything is because one is not giving anything.
We are, by instinct, self-centered. We tend to put the blame for our failure to get anything on others - for instance, our senior's evaluations, our manager's carelessness, and so on. We should realize early that we cannot take more than what we give. If we realize this, then we will be able to understand the importance of giving again and again, relentlessly, to the society. If we keep giving, money, knowledge, experience, and everything we dream of will come abundantly later on.
On the basis of this principle, we at Tokyo Consulting Group are committed to contribute to the society through our customers.
What is Success?
The general image we tend to have of a successful individual is that of a very wealthy person, with a highly prestigious social status.
Then, we might also think that it is not necessary to succeed by working so hard, and that if there exists an easy path to success, it is better to follow that. We can see only what the successful person possesses. However, it is important to be aware of why this person has so much. A successful person is one who keeps giving something valuable to the society.
To whom should we give value? (Who is the client?)
What are the values that we should give? (What are the products and services?)
How should we give? (The specific strategy)
If we think over the above 3 points and start giving to the society through our customers, we can all become successful individuals from that point. However, if one strongly wants to succeed, then one soon becomes self-centered and starts to think only about the products and services that must be sold. By doing so, one fails to understand the real needs of customers. As a result, such individual eventually becomes a failure who merely thinks of acquiring material possessions for him or herself only. Hence, such an individual may never become a successful person in the society.
Gratitude
If we are aware that we are successful, then we feel very happy. Happiness means a "sustained peace of mind". No matter how much wealth we get, if we are influenced by personal interest, then we cannot maintain our peace of mind, and so we will not be able to sustain our happiness for long.
If we can sustain our happiness, the feeling of gratitude will naturally come about. We will naturally be able to thank the fact that we are living and are being let to live. It is but natural to firstly thank our parents who gave birth to us. We are devoted to our parents from our heart. Only then, we are able to feel thankful for living in this society. This kind of gratitude makes us clearly aware of our "mission".
By becoming aware of the social mission given to us and the reason we live and work for, we will further be able to keep contributing to the society. On the base of such values, we at Tokyo Consulting Group, all sharing the same vision, continue to contribute to the society.
Online Security: Cyber crime How companies are hit by email scams
Fraudsters are using clever impersonation techniques to siphon millions from unprotected businesses
When Keith McMurtry, corporate controller of Scoular, a 124-year-old US grain-trading and storage company, was asked by his chief executive to wire $17.2m to an offshore bank account, he did not question it.
Chuck Elsea told Mr McMurtry in a top-secret email that Scoular was in talks to acquire a Chinese company. The chief executive instructed him to liaise with a lawyer at KPMG who would provide the wiring instructions to an account in China.
“We need the company to be funded properly and to show sufficient strength toward the Chinese. Keith, I will not forget your professionalism in this deal, and I will show you my appreciation very shortly,” Mr Elsea wrote in an email in June 2014. Over three transactions, Mr McMurtry transferred the $17.2m to an account in the name of Dadi Co at Shanghai Pudong Development Bank, according to an affidavit signed by an agent with the Federal Bureau of Investigation and filed in a Nebraska court.
The email was a fraud. Criminals impersonated Mr Elsea by creating a phoney email account in his name. They also set up fake email and phone numbers in the name of a real KPMG partner, who later said he had never heard of Scoular. US authorities have traced the emails and phone number to Germany, France, Israel and Russia.
Scoular, which is ranked 66th on Forbes’ list of the US’s largest private companies with revenues of $5.9bn, is one of several thousand companies that have fallen victim to a new type of fraud known as business email compromise schemes which have netted $800m in the past six months.
In January 2015, Xoom, an international money transfer company bought for $890m last July by PayPal, a pioneer in digital payments, said an employee in its finance department was duped into transferring $30.8m in corporate cash to an overseas account.
Ubiquiti Networks, a US manufacturer of wireless networking products, disclosed that its finance department was targeted last June by an imposter and transferred $46.7m to overseas accounts. After discovering the fraud the company began legal proceedings and has recovered $8.1m.
More than 12,000 businesses worldwide have been targeted by the scams, also known as CEO email schemes, between October 2013 and this month. The transactions have netted criminals $2bn, according to the Internet Crime Complaint Center, an intelligence and investigative group within the FBI that tracks computer crimes. Companies large and small, across 108 countries, have been hit and the threat is growing, law enforcement officials say.
“It has gotten quite out of hand,” says Mitchell Thompson, a supervisory special agent and head of the financial cyber crimes task force in the FBI’s New York office.
The criminals are “becoming more brash”, he says, by introducing third parties, such as law firms and consultants, to carry out the fraud. They have also become more sophisticated about how they troll potential victims.
“They’re using social media a lot against us. They might send a spam email intentionally to see that the executive is out of the office, [making] it prime time to target. They might look on Facebook and see that [the chief executive is] travelling to Europe or Australia so they know you’re in the air for a certain amount of time” and have a window to strike, Mr Thompson says.
Tricking people using the internet to steal money is hardly new. There have been criminal groups taking advantage of users of dating websites and fundraisers for disasters or terrorist attacks. A decade ago authorities were flooded with complaints of bogus Nigerian email scams and false lottery winners.
Criminals use a variety of tactics. Sometimes they gain access to executives’ emails by hacking into the accounts using phishing emails. The accounts of chief executives can also be spoofed by changing a letter or replacing a company’s official email service with a Gmail account. The phoney account created to mimic the KPMG lawyer used the suffix @kpmg-office.com, a fake address convincing enough to trick someone who is not checking carefully.
The criminals usually impersonate the executive and order the transfer, often through a second account they secretly control, such as the one said to belong to the KPMG lawyer. The money is sent to accounts in Asia or Africa, where it is harder for authorities to recover. By the time the company realises it has been duped, authorities say, the money has long gone.
Mr McMurtry told the FBI that he was not suspicious of the transfers since Scoular was discussing an expansion in China and he had been working on an annual audit with KPMG, according to the FBI affidavit. Mr McMurtry, who is no longer with Scoular, did not respond to requests for comment. Scoular also declined to speak.
The scam began simply enough. Mr McMurtry received an email purporting to be from Mr Elsea. “I have assigned you to manage file FT-809,” the bogus email said. “This is a strictly confidential operation, which takes priority over other tasks. Have you already been contacted by Rodney Lawrence [the KPMG lawyer]?” It went on: “This is very sensitive, so please only communicate with me through this email, in order for us not to infringe SEC regulations.”
The following day “Mr Elsea” sent another email stating that the transfer was urgent and he should “proceed asap with the wire to the same beneficiary and bank account as yesterday”.
FBI agents traced the phoney email account in Mr Elsea’s name to Germany. The KPMG email name was linked to a server in Moscow. The phone number provided was traced to a Skype account registered in Israel.
Scoular’s lawyers told the FBI that Wells Fargo said Dadi — the name on the account in Shanghai where Mr McMurtry sent the money — manufactured army boots. Dadi claimed to the bank that the wire transfers were part of a sales contract for the manufacture of boots, according to the FBI affidavit. Scoular said it did not purchase boots.
Mr Lawrence, the KPMG lawyer whose identity was used in the email scheme, is the global leader of KPMG’s international tax services. When interviewed by the FBI he told them he was not familiar with Scoular and had not spoken with anyone at the company, according to the affidavit.
The FBI obtained a court order to seize the funds held at Shanghai Pudong Development Bank but was told that the account had been closed and the funds transferred.
Business email compromise crimes are “a huge” problem, says Austin Berglas, head of cyber investigations at K2 Intelligence and a former chief of the FBI’s cyber branch in New York. Executives are so reliant on email they do not pick up the phone to confirm the transaction and “there is no second check,” he adds.
Some of the email scams are similar, suggesting they come from the same criminal organisation.
The FBI and US Justice Department have several investigations under way. Over the past 12 months the FBI has put more intelligence analysts on the case and have liaised with law enforcement agencies worldwide. “We will open cases this year and we will make arrests this year,” says James Barnacle, chief of the FBI’s money laundering unit.
Glen Wurm, director of accounting at AFGlobal Corp, which makes products for the aerospace, oil and gas industries, received an email in May 2014 similar to that sent to Scoular.
Purportedly from Gean Stalcup, the company’s chief executive, it said: “Glen, I have assigned you to manage file T521. This is a strictly confidential financial operation which takes priority over other tasks. Have you already been contacted by Steven Shapiro [attorney KPMG]?”
Mr Wurm was told not to speak to anyone and was directed to wire $480,000 to an account at the “Agriculture Bank of China”, according to legal documents. The hacker mimicked the tone Mr Stalcup used with Mr Wurm, according to a lawsuit that AFGlobal filed against its insurer Federal Insurance.
Six days later, Mr Shapiro contacted Mr Wurm confirming he had received the transfer, adding that he needed another $18m, according to a lawsuit. At this point Mr Wurm became suspicious and said he could not send so much money without alerting senior executives.
It was too late: the bank account had been emptied. AFGlobal is suing Federal Insurance and Chubb, its parent company, seeking more than $1m for allegedly breaching its contract by not covering the claim. Chubb has declined to comment.
Mr Thompson has declined to discuss either scheme but says criminal groups copy successful tactics. While some schemes have been as large as $90m, the average loss is $120,000.
“The ones you don’t hear about are the smaller corporations that send $50,000. They’re saying, ‘I’m not going to make payroll, we’re going to close our doors’ as a result of the fraud,” Mr Thompson says.
There is little that companies can do to recover the funds. Banks are not required by law to reimburse a company that makes a transfer. Cyber insurance policies might not cover a fraud against a company if its network has not been hacked.
“The bank will look at the totality of what the company has done to protect itself and whether or not they’re adhering to the agreement that the company has signed associated with the initiation of any of these wires,” says Doug Johnson, senior vice-president of overseas payments and cyber security at the American Bankers Association. One good practice is requiring the approval of two people, he says.
That practice is not fail-safe, however.
Like AFGlobal, Medidata Solutions, a clinical technology company, fell victim to email fraud in September 2014.
An employee in accounts received an email from an executive requesting a money transfer, according to a lawsuit filed in a federal New York court against Federal Insurance. The email included an image of the executive’s face and his signature.
Like the other alleged scams, the email included the name of a lawyer, who would act as a liaison for the employee. The employee told the lawyer that he needed the approval of two others before a $4.7m transfer could be made.
The fraudsters had a solution, though. Later that day, two employees with authority to sign off on the transfer were emailed instructions, purporting to be from the chief executive of Medidata, telling them to approve the wire to a bank account in China.
The transfer went through. Two days later, an email from the lawyer told the same employees to initiate a second transfer of $4.8m. One of the employees had grown nervous and called the executive direct — stopping the fraud and saving millions for the company.
Yet law enforcement officials say companies need to be more vigilant to guard against a crime that has become simpler to commit. “It’s easy,” says Mr Barnacle. “All you need is a computer.”
Japan Company Trust Organization: News Release
An international conference about fraud in Japan was held at a Tokyo Hotel. The conference was organized by NICE Actimize which is world's largest and broadest provider of financial crimes prevention solutions.
The agenda of conference was "Mitigating fraud in Japan, combating new fraud threats". Since Japan Company Trust Organization (JCTO) is supporting all forums for internet and Banking frauds, Mr. Hiromasa Suzuki director of JCTO attended the forum as Chairman of the conference. The participates addressed the conference about risk of internet and Banking fraud.
The main topics discussed were:
- Misuse of information and dispute resolution
- How to tackle Cyber-attack and Cyber-security
- How to prevent internet fraud
- Fraud risk management framework for financial institutions
- How to implement a successful internal fraud strategy
- Closing the fraud intelligence gap and role of the National Police Agency of Japan
- Lessons learned in deploying an effective cross-channel fraud prevention strategy
The participates from well-known fraud prevention agencies including National Police Agency (NPA) of Japan also answered questions from the audience and give valuable advice against cyber-crimes.
Human Capital Alliance sponsors Chartered Financial Analyst’s event
Edwin Sim, Human Capital Alliance Ltd’s managing director announced today that the company will be sponsoring a livestream event organized by the CFA Society Thailand and the CFA Institute.
The event will be held on March 31, 2015 at the Sasin Graduate Institute of Business Administration, Chulalongkorn University.
”We are most happy to support the CFA Society Thailand’s continuous successful growth,” he said.
