Why Your Company Needs Cyber Privacy Insurance

The universe in which we live in is so very different than how it used to be. Home and personal life has been drastically improved.The general difference in our present lives is particular evident in the manner in which business conducts activities. Technology has taken over virtually every aspect of commercial performance in all industries – worldwide!

With the advancement, however, there remains serious cyber and privacy breach liability. Companies that protect themselves with Cyber and Privacy Insurance can rest assured that they have the necessary coverage in the event of a data breach.

Privacy Claims Instances that Could Very Well Occur to any Business:

• A large healthcare provider partnered with a national merchant to help with its office move. In middle of relocating, the healthcare provider learned there were a number of laptop computers missing. The laptops all contained personal data of members. After consulting with a lawyer and forensic vendors affected parties were notified and offered credit monitoring services. The healthcare provider was investigated and became the defendant in a class action lawsuit. Data breach costs reached $7,000,000 and privacy liability costs came to $2,000,000.

• An online retail shop was hacked and shoppers experienced fraudulent credit card charges. The shop’s tech support employees asked the host web-company to review the stored server data. The web-company discovered a virus and removed it. However, the breach compromised privacy of almost a million records, plus fraudulent usage of 50 credit cards. Besides this, the online shop acquired fines and penalties as a result of not being Payment Card Industry. Data breach costs amounted to $750,000 and privacy liability costs came to $500,000.

• Two employees of a $100 mil retail outlet stole credit card info from a client and fraudulently utilized it for personal shopping. The workers was caught in the act and legal action was taken against them. The retail outlet shop provided credit card monitoring services to its customer (the victimized credit card owner) and provided compensation to her for any related damages. Privacy liability costs amounted to $75,000.

• A $50 million business servicing corporation organized a mailing project for a client and accidentally sent out about 60,000 envelopes displaying account numbers. Data breach costs amounted to $320,000.

• A neighborhood municipality mistakenly posted tax licenses on its website, leading to improper release of personal data. The municipality used forensics services as well as the services of an attorney’s and a public relations company. The municipality also notified affected people and offered credit monitoring services. Data breach costs reached $150,000.

Get Your Car Ready To Sell

If you are looking to offload a vehicle that you no longer want, need or have room for, it is important to make sure that the car is in excellent condition. Not only will this help you fetch a reasonable sales price, but it will additionally help you avoid a number of problems with future owners. Following are several steps that you should take before officially offering your auto on the market.

Take Your Car In For A Tune-Up

If you have been diligent about maintaining a vehicle throughout the years, you probably have regularly scheduled tune-ups according to the recommendations of a trusted mechanic. If you haven’t, now is definitely the time to get one. You don’t want developing problems or unexpected ones to rear their heads when prospective buyers are inspecting the merchandise. During a tune-up your mechanic will:

– Search for and replaced worn or damaged hoses and other connections

– Change all fluids

– Inspect your brakes, brake pads and tyres

– Inspect all systems and their components for signs of breakage or other problems

– Make sure that your care is capable of meeting emissions standards as per your area

These inspections and repairs are critical for keeping cars working like they should. They also give professionals a chance to spot minor issues and resolve them, before these problems start to spiral out of control. Many buyers will pay good money for cars that have received regularly scheduled tune-ups. Having these services performed in advance of a sale will usually increase the overall marketability of cars.

Depersonalise The Vehicle

The next step in this process is to depersonalise the auto. This is especially important to do if you have added a lot of custom parts and accessories. Your car will be a lot easier to offload if it has a basic look that people can alter to suit their own personalities, preferences and needs. If you have added on aftermarket parts, make sure that the price of the auto reflects these. You also have the option of removing these additions and selling them separately.

When taking miscellaneous, personal items out, make sure to check under the seats and in any cracks or gaps that exist. Take out car seats and check between seat cushions. You may be surprised at what you find hidden in hard-to-reach spaces when you take the time to look.

Collect All Maintenance Documents

Let prospective buyers know just how carefully you have maintained your vehicle. Make a folder that contains all of the receipts or invoices that you have collected during your time as owner that show the different mechanical services that have been performed. Not only can you share these with prospective buyers as evidence of your diligence, but new owners can use these documents to access any warranties that still exist on the related parts and labor.

Check The Tyres

Tyres are a relatively inexpensive automotive component to upgrade and fix. Despite this fact, they are one aspect of autos that nearly all buyers take the time to inspect. If these look good, the overall opinion of the vehicle will be good as well. Thus, before meeting with interested investors, be sure to take advantage of tyre replacement services as well.

Best Deals on the Home Furnishings You Want

Most furniture stores offer a variety of great items for any room in your home. It can be fun to shop around and compare both options and prices. Take your time to get exactly what you want for a price that is going to work with your allotted budget. You can buy individual items or you can buy complete sets.

Don’t wait until you absolutely have to replace something though. If you do, you will feel stressed and rushed to make a purchase. This is going to result in you paying more because you don’t have time to look around. Start planning early to get the best choices and to really love what you will have in your home.

Sales

If you play your cards right, you will never pay full price for your furnishings. Instead, you can shop around and look for furniture stores offering very good sales. Make sure they really are giving you a deal though. Sadly, some stores will mark up prices and then put them on sale. This lower price is still more than you would pay for the same items somewhere else.

Clearance

Items are often on clearance at furniture stores to make room for the new merchandise. There is nothing wrong with those items, they are just older. They still have plenty of value and you may find something that gets your attention. This is a very simple way to save money on wonderful items for your home.

Save Money with a Set

Most furniture stores give you significant savings when you buy a set versus buying only one or two items. Think about this when you are shopping around. For example, if you want to get a couch, you may get a terrific deal to buy a couch with a matching loveseat. If you need a coffee table, you may find a wonderful price on a set with two end tables as well.

Free Shipping

Avoid paying to have your items delivered to you. Look for furniture stores that offer free shipping. The savings can add up quickly so don’t overlook this very important detail. Depending on what you buy from them, they may be willing to haul away your old items for free or a low price. It is a good idea to check into this as it will save you hauling them off.

Warranty

You need furnishings that look nice, they are fully functional, and they hold up well. Look for furniture stores offering quality items. You don’t want to pay for something that isn’t sturdy or from materials that simply aren’t going to hold up. Those companies offering a warranty on the items they sell are also encouraging. It means they believe in what they sell to you!

Financing

If you don’t have the money up front to buy home furnishings, you may be tempted to put it all on a credit card. Yet this can come with high interest with it and take time to pay it off. Many companies offer in house financing. The interest is often less than your credit cards. Some have special promotions too such as 0% interest as long as you pay off the balance.

You will have a specific period of time to pay it all in full. After that time passes, any balance you have left will be charged interest. This type of offer can help you to get the furniture you want not and not have to pay anything extra for it just by paying that balance early enough. The timeframe can vary but some are as long as 24 months.

Boost Your Business Website Traffic SEO Hacks

We all want websites that are search-engine friendly. But sometimes when you are busy it’s easy to publish a new blog post and be off to the next thing on your to do list.

Over time, this can really hurt your SEO efforts. That’s why I’ve put together this short hit list of things you can do to boost your WordPress SEO.

Schedule these tasks in your calendar to make your blog traffic soar!

1) Post New Stuff Regularly

Google has a bias towards fresh content. Part of Google’s algorithm looks at how new the content is and gives preference to more recent results. So publishing original content on a regular basis is important.

Also size matters when it comes to content. Generally longer content ranks higher than shorter content. So strive to make your post at least 500 words.

2) Create a Keywords List

If SEO is a priority, then you’ll want to develop a keyword list. This is basically a list of keywords and phrases that describes your products and services. These keywords should include words from search terms that are more likely to be used to find your offerings online.

Google has some incredible tools to make keyword research easy including Google Search, Google Suggest, Google Instant and Google Wonder Wheel.

Hint: if you want a really targeted keyword list, hire an SEO expert!

3) Install an SEO Plugin

This will allow you to set keyword-rich custom titles and Meta descriptions for your posts for search engines.

A couple of popular SEO plug-ins to consider are All in One SEO Pack and WordPress SEO by Yoast.

Again, this is something your web designer or an SEO professional can easily install for you.

4) Hand Submit to Search Engines

What good is a site if no one can find it? That’s why getting listed in Google and the other popular search engines and directories is one of the most effective ways of getting free targeted traffic to your website.

You have probably seen lots of automated submission services where you pay a small fee for them to submit your site to hundreds of search engines. These services not only won’t help – they can actually hurt you.

Almost all of these free directories never send an actual visitor to your website and getting links from them can hurt your ability to rank in the real search engines like Google and Bing.

The best practice is to manually submit your site to search engines yourself. WordPress makes this easy once you set up an account in Google, Bing and Yandex Webmaster Tools.

If unsure, just ask your webmaster or SEO Specialist to set up these accounts.

5) Add Tags to your Posts

WordPress, straight out of the box, comes ready to embrace search engines. The tags features is one of those SEO friendly features you should take advantage of.

Be sure to add relevant keyword-rich tags to every post you publish.

6) Leave Comments on Other Blogs

Start linking more to other people’s posts on their blogs and encourage them to link back to you.

One search engine factor that Google considers is backlinking. A website that has more backlinks is considered more of an authority site and gets higher rankings.

7) Block Spam Comments

When people leave comments on your blog, it counts as content to Google. So if you have a website about DIY crafts and someone leaves 5 comments about “cheap enhancement pills’ that ruins your keyword relevancy and hurts your rankings.

So blocking spam comments from posting to your blog will improve your SEO – as well as make your real blog readers happy.

8) Internal Linking

One easy way to get more traffic is to add internal links to your blog posts.

For example if you have an article on Overcoming Your Resistance to Blog Writing, then at the bottom of that article you can post links to “Other Related Articles You May Enjoy”: 4 Content Marketing Trends for Business Owners in 2017 and other related articles. WordPress SEO by Yoast does this automatically for you as you can see at the bottom of this post.

9) Use Image Alt Tags

For each image you use in your post, ensure you add the Alt tag to help them rank better in image searches. This is another excellent place to put relevant keywords.

Google has an image search function that works in pretty much the exact same way as the webpage search with keywords and relevance. So adding Alt tags helps Google find and include your images when someone does an image search.

10) Tweak Blog Post Titles

If you quickly wrote titles to your blog posts before, take time to review them first before publishing.

Your blog post titles are vitally important to your SEO rankings so compare the keywords used to your keyword list and make your blog titles more keyword rich.

11) Add Social Media Sharing Buttons

When Google sees a blog article is getting a lot of posts and shares on social media, it boosts the ranking of that blog post.

So making it easy for readers to share your posts helps others Tweet and share your great content!

12) Update Your Theme

Not all WordPress themes are SEO Friendly and the free WordPress themes may be hurting your search engine rankings because of this.

Having a premium WordPress theme ensures your content will be indexed by the search engines, since the developers have taken special time to optimize every aspect in terms of both security and SEO.

It’s smart to make sure your theme programming isn’t bloated with inefficient code that slows down page load times. We find this a lot with purchased themes and that’s why we only provide custom designed and built WordPress themes for our clients.