Is IT Enough to Handle Cybersecurity?

Is IT Enough to Handle Cybersecurity?

The stereotypical corporate information technology department is seen as overworked and underappreciated; until some part of the business’s technology environment is inoperable. In this event the IT staff is then cursed for being unable to fix the problem immediately. IT staffers often feed this stereotype by professing an ability to solve all problems, including cybersecurity issues that threaten to shut networks down with ransomware or that can expose a business’s data to hackers. Cybersecurity has become such a specialized and complex environment, however, that a business will be better served either with an internal cybersecurity staff or by outsourcing its cybersecurity needs to specialists that devote their full time to monitor the ever-changing cybersecurity threats that businesses face.

The following arguments will dispel doubts about this recommendation:

Cybersecurity involves more than just technology.

IT specialists create and implement technology solutions that help a business grow. Cybersecurity specialists evaluate and understand the value of a business’s data assets, the regulatory compliance issues faced by businesses in different industries, and the threat levels that data in different industries can raise. For example, health care businesses are exposed to HIPAA violations if their patient data is stolen, whereas companies in the financial industry are more exposed to Graham-Leach Bliley or Sarbannes-Oxley violations.

IT focuses on optimizing the technology operations of a business.

A good information technology department will devote all its time to creating the smoothest network operations that keep the business moving forward and making money. Cybersecurity personnel train employees in best practices, develop response plans to potential threats, and monitor external attempts to derail the network. Adding cybersecurity responsibilities to an IT team’s workload only impairs that team’s ability to maintain a robust network while shortchanging the amount of time that is required to maintain proper cybersecurity defenses.

Cybersecurity specialists are in short supply.

Cybersecurity is a separate and distinct field from information technology. Industry watchers have observed that there is a severe shortage of specialists who can manage a business’s cybersecurity operations and responses. A business which assumes that its IT staff has the training and expertise to take on cybersecurity responsibilities inevitably overestimates the IT staff’s expertise and underestimates the severity of the threats that its network faces.

Employees adopt tools that are not installed or supported by IT.

An IT department will be charged with implementing the software and mobile applications that a business needs to conduct its operations. Notwithstanding policies and warnings to the contrary, employees will install unapproved software and apps on their devices, and those apps can expose a business network to multiple different cybersecurity problems. A dedicated cybersecurity team will be better able to monitor and control employee-installed software applications that have not been authorized by IT.

Network intrusions are all but inevitable.

An IT team might respond to elevated cybersecurity threat levels by adding more and more technology protections while ignoring a broader approach that involves risk mitigation across the entire business. Dedicated cybersecurity specialists know that Denying the inevitability of a data breach is a prescription for disaster, and in recognizing the likelihood of an attack, those specialists will adopt strategies that involve recovering from an attack and making resources available to rebuild internal systems and compensating third parties that experience losses as a result of the attack.

Cyber insurance is one of the most direct and effective strategies for that purpose. Cyber insurance carriers will work with a cybersecurity team to identify and assess data that is most vulnerable to a cyberattack, and to implement strategies to mitigate those risks and to insure against losses when those strategies fall prey to a hacking attack. Even a small or midsize business can suffer tens or hundreds of thousands of dollars of losses and third party liabilities from a successful cyberattack. Cyber insurance is frequently the difference between recovering from the attack and going out of business altogether.

Reasons Why Seniors Should Travel the World

Reasons Why Seniors Should Travel the World

Travelling is often thought of as an activity that suits people of a much younger age. From the moment a traveller steps in the airport, they are already walking long distances to reach a certain place while carrying heavy bags. Then when they get to their destination, they continue walking, carrying heavy bags, plus getting in on the action by trying out all the activities. Those things require huge amounts of energy, which may be hard if a person is at a certain age.

But to tell you the truth, that is a total misconception. If anything, travelling revitalises and refreshes the mind and the body. It is actually a lot easier to travel when one is older. It is looking as if the age limit for travelling is just an excuse for some people not to try it at an older age.

Hesitations are understandable, and there will always be doubts when it comes to rigorous activities such as this. So in this article, let us rundown the reasons why seniors are the perfect travellers and a couple of tips on how they can be comfortable during their trip.

Advantages of Travelling in your Senior years

Expenses are not a big issue

Seniors are at an age where their kids already have jobs and managing households of their own. So the major expenses they are thinking about are just groceries and medications. If they have significant retirement savings, travelling would not be an issue. Important things like the travel insurance for seniors may seem to be more expensive because they are older. But a surplus in wealth means that they can afford this and add more to their budget to make sure that they are relaxed and worry-free during the trip.

Travel whenever they want

For the much younger people, one of the major things that hinders them from traveling for a long time is their job. As employees, there is a certain number of time-offs you can take, and going beyond it may have certain consequences. But as seniors, they do not have to worry about things like this. They can schedule their travel anytime they want, weather and health permitting of course. They can even stay in one place for as long as they want, and allow themselves to truly understand the cultures of the people around them.

Medical conditions are not too big of a problem

The major concern for seniors traveling are their medical conditions. This is a valid concern, but we do have to remember that they know their body better than us. They know their triggers and what needs to be done when something happens. However, we cannot just brush this aside, yes? So to give us a peace of mind, go with them to their doctor. Ask if they can be given a medical certificate which says that they are allowed to travel for the length of time they plan to go on the trip. Create a checklist of medications they need to bring for this trip and see if they have brought all of it with them.

A Guide for Senior Travelers

Look at the inclusions of your travel insurance carefully

Pay close attention to the medical inclusions. Make sure that you will not have problems with expenses when you go see a doctor during your trip.

Choose your preferred travel time

Choose a time that can allow you to rest while in transit. To do this, look at your routine at home. Do you like waking up early in the morning or are you the nocturnal type?

Plan activities ahead of time

You may have the budget and the time to travel wherever you want, but that does not exactly mean you need to do every activity you see. The best way to ensure that you remain safe during the trip is by pre-planning all the activities you can get involved in. You may not be able to do a bit of bouldering, but maybe you can go kayaking if the current is not too violent.

Do not pack too much

Avoid bringing big bags for your trip, especially if it is a long one. Pack only the essentials like your medication and climate-friendly clothes. Then just avail of laundry services when you are there.

Traveling is an activity that should be enjoyed by everyone, seniors included. Age should not be a hindrance to see at the world and appreciate how diverse and wonderful it is. So take advantage of every opportunity to travel, no matter how old you are.

Spice Up Your Fall With The Right Bottle Of Red

Spice Up Your Fall With The Right Bottle Of Red

The change of seasons gives every wine lover a chance to try out some bold and peppery selections, helping them to get into the autumn spirit. There’s nothing like cozying up by the fireplace on a late September evening with a glass of your favourite aromatic red. It’s the best time of year to embrace full-bodied options again like Cabernet Franc and Cabernet Sauvignon, deep Merlots, poignant Shiraz, or a blend of reds that offer a tartness, light sweetness, and spiciness on the palate.

The fall however can be a busy time of the year for many; parents are sending their kids back to school and work typically kicks back into high gear. There isn’t always the time to spenda whole lot of time driving around to shop for the best bottles of wine. If you’re interested and would like to learn more, visit the Wine Online website— they carry a myriad of selections including some of the intense and flavourful options below. Not only do they carry an amazing selection of wines from around the world, but there are 3rd party and client reviews for the wines as well as tasting notes helping you to ensure that you are getting the bottles that you love. You can even have them delivered to your door, ready for you to crack open and enjoy.

The Cotes du Rhone Villages Cairanne La Cigalette by Domaine de Dionysos, vintage 2014, is an exceptional bottle from the southern Rhone region of France. This vintage opens with inviting aromas of blackberries and ripe black plum augmented by violets, spices, cracked pepper and a smokiness that adds to its complexity. It is oaked, full-bodied, warm, earthy and floral – a top scoring wine at 92 points.

Moving southwest to the region of Duoro Portugal, Senhora do Convento winery presents their Quinta do Convento, vintage 2014. It is a blend of three classic grape varieties from the region including Touriga Nacional, Touriga Franca and TintaRoriz. Because it is aged in French oak barrels without filtration, this wine has a deep and intense colour, with hints of purples. On the nose, drinkers will pick up on black fruit and truffles. However, it is this wine’s supple tannins that offer its well-balanced and fruity finish.

For a special earthy and fruity selection coming in at 93 points, connoisseurs will adore the Napa Valley Cabernet Sauvignon by Avalon, vintage 2014. This Californian delicacy has a violet colour, complimented by herbal, fruity aromas and flavours of blueberries, eucalyptus, chocolate mint, and menthol with a tangy, fruity, medium-to-full bodied finish. Lingering tastes include that of vanilla gelato, cedar and heavy oak. This selections pairs exceptionally with red and cured meats, hard cheeses, even roasted vegetables.

As the leaves start changing colour and your dinner menu begins to incorporate more earthy, nutty, pumpkin-inspired flavours, change up the wine selection to suit the occasion. With so many bold and vibrant bottles to choose from online, you’re sure to find a high-quality vintage for a competitive price. Surprise your friends by offering a selection they’ve yet to try, or try a different spin on your favourite grape this autumn.  The right bottle of red isn’t hard to find so long as you know where to look, and online retailers make finding that perfect variety simple.

Avoiding a Foreclosure Through Forbearance – Pros and Cons

Avoiding a Foreclosure Through Forbearance – Pros and Cons

Source

A lot of people hope that a forbearance agreement can help them to avoid foreclosure, and it often can. However, it should not be seen as an easy way out of a difficult situation. In fact, if you are facing foreclosure and you want to consider a forbearance agreement, do make sure you speak to a specialist like Stephen Buzzi first, so that you increase your understanding of what it is, whether it is right for you, and whether or not you can comply with the terms.

How Can a Forbearance Agreement Help?

Essentially, under this agreement, you will be able to receive special terms on your loan for a set period of time, usually no more than three months (although extenuating circumstances can increase this to a year). After that period of time, your normal payments will return, with an increase to pay back the payments you have missed.

Essentially, this agreement gives you a little bit of breathing space to your finances back in order. At the same time, however, it is very risky because, once your term is up, your payments will increase, and often substantially so. If, once your forbearance agreement is up, you cannot make the new repayments at any point, the lender will be able to proceed with foreclosure.

Another issue that you have to be aware of, is that your foreclosure agreement will be reported to the credit bureaus, and it will look as if you have been delinquent on your payments. Hence, your credit score will be negatively affected. Should your rating already be less than perfect, you could find yourself in a high risk category. While this may not seem so big of an issue now, if you were to find yourself with further difficulties at a later stage, you will struggle to find any help suitable for you, including foreclosure prevention.

Furthermore, forbearance agreements impact your escrow. This means it also impacts your property taxes and your insurance. Every installment, some money is placed into escrow to ensure annual expenses are met. Should you have a forbearance agreement in place, no money will be able to go into escrow and this means that you could end up not having enough money to pay taxes and insurance. When that happens, the forbearance agreement can be voided, and foreclosure can commence.

Should You Avoid Forbearance?

The above makes it sound as if forbearance should be avoided at all costs, which is definitely not the case. It is an excellent option for people who find themselves in a short-term difficult situation and who want to avoid foreclosure. It is simply very important that you are fully aware of all the risks that are out there, and what these types of agreements really mean. Naturally, if you speak to Stephen R Buzzi first, he will assist you in making sure that you know exactly what the agreement means, and that you are sure that it is a suitable solution for your particular situation.

The Biggest Investment Mistake and How to Avoid it

The Biggest Investment Mistake and How to Avoid it

Have you ever been skydiving? Most people haven’t but most people do know some of what it involves. Mainly, they know that, on your first few dives, you will be jumping in tandem, rather than being thrown out of a plane by yourself. The reason for this is that, whenever you start something new, you have to have an expert to hold your hand while you do it.

Gregory Lindae isn’t a skydiving expert, but he is an investment expert. And the biggest mistake he sees people make again and again, is that they believe the can read a little bit of information online, such as on Wikipedia, and believe they suddenly know it all. The reality is that you can read as much as you want, you will never have real life experience unless you have an actual go. But, just as with skydiving, there is no room for mistakes. They say that, if at first you don’t succeed, you should simply try again, but this, for obvious reasons, isn’t possible with skydiving! Similarly, it is not really an option with investing, because you will lose all your money if you don’t succeed.

The Other Key Mistake to Make

The reason why so many people who invest for the first time do things wrong, is because they are driven by their emotions. Did you know that studies have shown 96% would prefer to burn their mouth than to wait for food to cool down? And that 50% of people hang up the phone if they have been on hold for a minute? We want instant gratification, something that simply doesn’t exist in the world of investment.

Gregory Lindae also warns that we are no longer in the 1999 or 2000s, when stocks just grew and grew and people made millions overnight. At the start of 2000, there was a 15.6% drop in shares, and people panicked, selling everything that they had. Had they hold on to their stocks, they would have been sitting on quite a lot of money today. But that would have required patience, something that beginner investors in particularly do not have.

Similarly, those without experience often miss golden opportunities. Take solace in the fact that even Warren Buffett has been guilty of this. He once recommended people didn’t invest in big tech, including Amazon and Google, something that he now feels a lot of guilt about. He didn’t believe in tech systems himself, and that was a mistake.

Key to being successful, clearly, is to work together with an expert, someone who knows the ropes. But even that isn’t enough. It is best to have things checked and double checked, because even the experts have emotions. This is why people like Gregory Lindae always get second opinions on any decision they want to make, and they recommend their clients do the same. By building on the success of others, you have the greatest chance of becoming successful yourself.

How to Prepare Your Car for a Road Trip

How to Prepare Your Car for a Road Trip

Going on a road trip can be a rewarding and reinvigorating experience. Before you go, however, there are a number of things you need to do to prepare. Mainly, you need to prep your car for the long and rather grueling trip. If your car is mainly used for driving to and from work or school, then it will require some hefty preparation before hitting the long road. Here are several tips to get your car ready for an awesome road trip:

Get Your Vehicle Checked and Detailed

First of all, you need to take your vehicle to the nearest auto mechanic for a thorough checkup. There are several things to check before you hit the road. Some of these can be handled by car owners, such as checking the engine oil or examining the tire treads for wear and tear. But it’s highly recommended to have a professional mechanic take a good look at your vehicle. Tell the mechanic about your road trip and the terrain you intend to cover. Then the mechanic can examine your car and tell you if it’s ready for a road trip.

You can also get your vehicle detailed at this point, which would involve checking and cleaning the engine—a must before any road trip. You can ask your local mechanic for good car detailing options before you hit the road for weeks.

Lease a Larger Car if Needed

It’s worthwhile to stop and think if that Hyundai accent you are using to get to work every day is actually suited for a road trip across the country or in the mountains. The car you take should be able to accommodate all the people traveling. It should be spacious enough for one driver to nap while the other takes the wheel in turns. The car should be able to tackle the terrain you intend to travel. Considering these option, you might want to rent or lease a bigger vehicle just for the road trip.

Change the Tires and Pack a Spare

Ask your auto mechanic to change tires to suit the terrain you plan on traveling on. Tires should be checked for wear and tear, and also for inflation levels. The tires may require deflating for certain types of rough terrain. Before driving off, you must pack a spare tire in the trunk.

Install a GPS Navigation System

Even if you are very good with directions, it’s strongly recommended to install a GPS system in your car before you go on your trip if it already doesn’t have one. You will be traveling on strange and unfamiliar roads, so you will need all the help you can get. When you go off road, keep in mind that some route information will not be available on GPS. So pack a detailed road map for info on those side roads the digital maps don’t show.

When you hit the road, you must pack an emergency toolkit, extra fuel, and a first aid kit in the trunk. Pack more tools than you usually do for everyday transport to make sure you are not stranded in the middle of your road trip.

Private equity: The regular myths debunked

Private equity: The regular myths debunked

It’s painted in all sorts of lights, but few disagree that private equity is one of the most lucrative industries around. Succeed here – and the riches can be beyond your imagination.

Of course, this sort of reputation also leads to countless misconceptions. Every month we see masses of information published on private equity and unfortunately, a lot of it is inaccurate.

While we don’t have a dissertation-like word count to mull through all of the misinformation we have stumbled upon over recent times, we are going to discuss some of the most common myths that this industry throws at us.

Myth #1 – It’s all about the exit strategy

As you’ll see with a lot of the myths that we analyze, a lot may have “once” been true. In other words, they have become outdated, which is why they are now myths.

This first one about exit strategies most definitely fits this description. Nowadays, private equity firms don’t have one eye on the exit, many are about the long-term approach. Sure, most still sell within a set period of time (usually five to seven years), but it’s not a case of getting out and making a quick buck like it once was.

Myth #2 – Private equity firms just want to appoint their own team

This is one of the primary reasons why private equity has a bad name amongst some sources. A lot of people believe that they like to just step in, strip a team out, and implement their own people. Once upon a time this may have been the case but suffice to say, times have changed.

In fact, you only have to analyze the philosophy of Marc Leder from Sun Capital to see this. He has publically said that one of his primary questions when scrutinizing a company is to see if there is an existing management team he can take advantage of. In other words, if this doesn’t exist it’s a major turn-off, for the simple reason that there’s nobody who can aid him with the existing workings of the company.

Myth #3 – It’s all about the big money acquisitions

This final myth couldn’t be any further away from the truth. The reason a lot of people think along these lines is because all of the news headlines center on the big acquisitions – the ones worth tens of millions of dollars (or more).

What people don’t realize is that there’s a whole other private equity industry. There’s one that hones in on small to medium sized companies, and this is just as vibrant. Sure, it might not have the huge profits attached that some deals have, but it’s a business in its own right and some investors perform very well with this approach.

It could be said that this links in to the previous myth as well. As PE firms were so renowned to appointing their own team and “forgetting” about the existing structure, a lot of smaller businesses opposed the practice. Now this has changed somewhat, this part of the industry has opened up.

Losing weight via the long game approach

Losing weight via the long game approach

You only have to take a look at all of the fad diets to see how big the weight loss industry really is. For as long as the world spins round people will be looking for a way to curb their waistline (regardless of their size) – but most of the time these short term fixes are destined to fail.

Instead, the long game is always a preferred solution. If you can gradually “chip away” at your weight, the results are going to be much more long-term and you can enjoy your new weight for a lifetime. It’s at that point you should be looking for the Sono Bello Reviews to consider something to take away any excess fat that might have accumulated – to “complete” the process so to speak.

However, how do you initiate a long-term approach to weight loss? Let’s take a look at some of the best tips to help you along your way.

Tip #1 – Change your plates

As you’ll soon see with most of the tips we mull over – it’s not just about nutritional advice. In other words, something as simple as changing your plates really can make the difference and allow your waistline to shrink.

Something that we’re taught from a young age is that we must finish our plate – its common courtesy. As such, if you happen to have huge plates in your household, which are most probably full, finishing isn’t going to do your waist any favors in the slightest.

Instead of the above, opt for smaller plates. You’ll fit much less food on them and when you do “finish”, you won’t have eaten as much (despite what it might feel psychologically).

Tip #2 – Stay hydrated (there’s more to this than meets the eye)

Staying hydrated is a big tip for anyone – but there’s more to this next suggestion. As well as being invaluable for your general health, water is something which can make you feel full. In other words, a lot of people mistake hunger for thirst – and this is where obvious over-eating issues enter the picture. Bring more water into your day and see your food intake drop.

Tip #3 – Wait for your dessert

A lot of people crave something sweet at the end of a day, but this can be to your detriment. When you have finished your main meal, you are unlikely to feel satisfied. In fact, this satisfaction might only arrive around twenty minutes after you have finished. Bearing this in mind, withstand the urge to turn to the chocolate cake, and instead give your body a little more time to see if it really is hungry and does need food.

Tip #4 – Don’t wait for the starving state

If you are starving at meal times, it’s asking for trouble. You are much more likely to eat more than you really should and as such, problems begin. Instead of this, make sure you tuck into regular snacks. By doing this, you won’t be pushed into eating huge quantities at meal times, and will instead curb your intake by just munching on small snacks through the day. This approach will also mean that your stomach won’t expand.

Your childs first dentist visit how to make it as smooth as possible

Your childs first dentist visit how to make it as smooth as possible

Let’s be honest: going to the dentist is tough enough for adults, so it isn’t surprising kids are similarly uneasy with the whole exercise as well.

While part of this is due to us projecting our insecurities onto our children, dentist offices are sterile environments filled with the uncomfortable whines of drills, so even the most comfortable parents will have issues introducing their kids to this place.

If you neglect to prepare them and they have a bad time the first time they go, future trips will be as fun as ripping a hang nail from your index finger.

Thanks to dentists such as Dr. Kami Hoss, though, there are dentist practices kids actively look forward to visiting.

As SoCal’s most popular family dental clinic, The Super Dentists managed to marry fun interior design, explanatory comics in reception, and specially trained staff together to create an environment where kids are instantly comfortable.

If you aren’t lucky enough to be close to this facility, there are several things you can do to make your child’s first dentist trip a positive one.

In this post, we’ll run down how to ensure this landmark visit goes as smoothly as possible.

1) Get it over with as soon as possible

The sooner a child is introduced to something, the quicker they will be able to normalize it as part of their routine. The same goes for going to the dentist, as unlikely as that sounds.

If you wait until they are older, they are more likely to go into the situation with fear in their hearts, as their mind will have developed enough to do that.

Soon after they blow out the candle on their first birthday cake or once they have their first tooth, take them in for their inaugural appointment.

2) Watch what you say beforehand

When your kids are little, anything you say can be taken quite literally. Accordingly, the words you use prior to their first appointment will shape whether they get through it fine or end up breaking out in tears.

Instead of being brutally honest as some parents are wont to do, describe the work dentists do in cartoonish detail. Some paint them as sugar bug hunters, so go with that if you are creatively challenged.

Avoid any words associated with pain, as many children make the connection between pain they feel and the words that describe them early in life. As such, using them will make a dentist appointment more difficult, not easier.

3) Schedule a pre-appointment meet and greet with the dentist

Before your kid goes in for their first dentist appointment, arrange a meeting between them and the professionals that will work on their teeth.

Doing this will humanize them, allowing a bond of trust to be forged between them and your child. If this can be achieved, any procedures done will go more smoothly as a result of this step.

By discussing what they do in terms understandable and relatable to children, this tip is one every parent should act upon before putting their kid in a dentist’s chair for the first time.

Why Medicare should be protected at all costs

Why Medicare should be protected at all costs

Of all the programs delivered by our government, Medicare is one of the most important, as it provides the elders in our society health care they otherwise might not be able to afford.

Despite this, an alarmingly large number of politicians are targeting this program for cuts in the name of deficit reduction.

This is concerning to James P DeVellis, a doctor in Massachusetts. Having gotten to know many of his patients on a first name basis, he worries what will become of them if cuts render some unable to afford treatments he recommends.

Many of our elders live on a fixed income. If costs were to rise dramatically due to them needing to pay astronomically high health insurance premiums, their way of life would suffer tremendously, or they would have to live the twilight years of their life without coverage.

The population of older Americans continues to grow. If we want to make things better on the health care front, we must protect and expand Medicare, not cut it.

In this article, we’ll explain why we need to mount a spirited defense of the most vital program administered by our federal government.

They keep older friends, family, and fellow Americans healthy and stable

No one should ever have to face the hardship of paying for an expensive illness or injury after spending a lifetime providing value in the workplace.

Inevitable health conditions wrought by aging make the issuing private insurance to older adults an unprofitable practice for health insurance companies.

Recognizing this, government stepped in more than a generation ago to protect seniors during their golden years.

As a result, no one presently over the age of 65 worries that their diminishing sight, a worsening heart, or developing Parkinson’s disease will burden their finances or those of their children.

Medicare is an indirect source of funding for health care infrastructure

Medicare didn’t just improve the lives of the elderly years ago, the influx of cash it unleashed played a role in helping make American hospitals some of the most advanced in the modern world.

Before then, hospitals didn’t have the number of voluntary admissions they have these days (on a per capita basis).

With the government bankrolling them, though, the number of patients over 65 increased drastically after the implementation of Medicare.

The injection of all this capital had a massive effect, as medical centers suddenly had the cash they needed to boost their services to the next level.

Cutting edge machines, medical professionals, and research scientists were just some of the things this money attracted.

Cuts to Medicare threaten this flow of capital – if they happen, America’s standing in health care will decline in short order.

It is a good blueprint for the institution of a single-payer system

While Medicare isn’t the panacea for all our health care problems, it has shown itself to be the superior delivery method for those 65 and older.

When you think about it, shouldn’t a program that has worked so well for our elderly be able to work for everyone else?

Progressives and common sense conservatives have aligned on this issue, as both want a health care system that doesn’t loot our pockets to give us substandard care.

While this effort will take more than just removing the age restrictions and calling it a day, more than a generation of success makes Medicare a great place to start when creating a single payer system capable of providing world-class health care to any American who needs it.