Koska sen perustamisesta, Phil Devin Real Estate on sitoutunut tarjoamaan aitoa ja parempaa kiinteistöjen palvelun eri ihmisille ympäri Australiaa. Ei ole yllätys, että tämä pieni-boutique viraston ympäristö sai luottamuksen monet ihmiset etsivät että ammatillisen kiinteistöjen apua. Se on myös tunnettu sen reagoiva, yksityiskohtainen ja henkilökohtainen palvelu.

Odottaa positiivista tulosta, kun olet päättänyt työskennellä henkilökohtaisesti Phil Devin. Hän ei sisälly yksi luotettu kiinteistöjen ammattilaisia omalla alueellaan, jos hän ei tarjoa palvelua jokainen asiakas ansaitsee. Hän on myös mukana paljon onnistuneita projekteja hänen monen vuoden kiinteistöjen palvelu, ja tarpeisiin hänen asiakkaansa on hänen ensisijainen tavoite.

Phil on huolellinen tehdessään työnsä jossa hän ei anna yhtä yksityiskohtaisesti kulkea tarkistamatta sitä, koska hän on omistettu tarkkuutta varmistaa laadukkaan tuloksen. Phil voi myös kehittää oikea ratkaisu sinulle perustuu hänen rehellinen tuomio oman kiinteistöjen tarpeisiin. Todistaja hänen loputon sitoutuminen antaa sinulle tuloksia olet toivonut.

Voit olla varma, Phil on laaja kokemus kiinteistöjen ja hänen luotettavaa tietoa, ja odottaa, että hän oikein opastaa sinua koko prosessin. Hän sekoittaa ammatti taitoa ja approachability erittäin hyvin, kun hän keskustelee asioista hänen asiakkaansa. Löydät myös asiakkaiden arviot hänestä täynnä kiitosta ja jopa suositella hänelle heidän perheensä ja ystävänsä.

Kun kaikki nämä sanoi edellä, on selvää, että Phil on jo vankka perusta kiinteistöihin ja voit olla varma hänen fiksu tavalla. Mutta hän ei lopeta oppimista, koska hänelle jatkuva oppiminen on välttämätöntä.

Phil Devin Consultants on perustettu, koska Phil halusi tarjota hänen "parempaa palvelua ja parempia tuloksia" enemmän ihmisiä ja laajentaa hänen ulottuvillasi. Virasto jatkaa kasvuaan ja antaa sen kiinteistöjen palvelun monille Australiassa.

Jos käyt sen virallisella verkkosivustolla, näet paljon ominaisuuksia, jotka voivat auttaa sinua kiinteistön huolta, koska sen avulla käyttäjät voivat pyytää arviointia, Etsi kiinteistöjä vuokrataan tai on myyty, täytä-up vuokra-hakemus, tai jopa pyytää huoltoa. Tiedustele Palvelut Phil Devin kiinteistöjen tänään ja oppia lisää sen onnistuneen taustan.

Tietoja meistä

Puhu kaikille, jotka ovat kokeneet prosessi ostaa tai myydä kiinteistöjä ja usein niiden tulokset ovat yhdistelmä stressiä, pettymys ja lopulta kompromissi! Yksi monista tavoitteistani on varmistaa, että seuraava siirto on myönteinen.

Aloitin Phil Devin kiinteistöjen kanssa yksi yksinkertainen tehtävä: "tuottaa tuloksia, jotka ylittävät asiakkaidemme odotukset".

Mikä does nyt kuluva alhainen ajaksi te?

  • Tiedän, että olet kiireinen ja kunnioitan aikaasi. Kun me asettaa nimittäminen ja i'll olla siellä.
  • Kun sanon jotain voidaan tehdä... voit luottaa siihen.
  • En yritä lumen ihmisiä tai piilottaa tietoja. Im ' aivan jokseenkin ilmaiseminen.
  • En ole sitä mistään yhden liike toimen-olen sitä pitkän matkan... elinikäisen suhteita.
  • Tämä tarkoittaa, i'll työtä saada tuloksen ansaitsette.

Loppujen lopuksi, kun ostat tai myydä minulle, se tulee alas oman päätöksensä, mikä on sinulle oikea ratkaisu. Tavoitteenani on varmistaa, että sinulla on tarpeeksi tietoa tehdä päätös voit olla tyytyväinen alas radan. Kun valitset minut auttamaan sinua ostamaan tai myymään kotisi voit luottaa reagoiva, laatu, kattava ja henkilökohtainen palvelu.

"pettymys on ero sen välillä, mitä asiakas odottaa ja mitä agentti toimittaa"

Tiedän, että asiakkaani ovat himo käsitellä "ammattilainen", joka voi "kuunnella" niiden yksittäisten haluaa ja tarvitsee ja tarjota ratkaisuja heille!

Phil Devin on, että ammattilainen!

Move your blog to Nouw - now you can import your old blog - click here!

Likes

Comments

Mange mennesker som reiser i dag velger å velge tjenesten til flyselskaper som de er mye mer praktiske. Mest spesielt hvis du er fra en lang flytur, og du vil ikke stresse deg selv med å finne en drosje og vente i kø bare for å få en tur. Flyplasstransportene sørger for at du får en komfortabel tur helt til destinasjonen, de er et flott alternativ til drosjer og andre transportmidler som du får transporteres med en ren privat bil med en profesjonell sjåfør som gir en generell glede å din tur.

Flyplasstransport er nå tilgjengelig for individuelle kunder, familier, ledere, små eller store grupper. Alle kan nyte problemfri transport til og fra flyplassen uten å bekymre seg for noe. Her er noen fordeler med flyplasstransporttjenester og hvorfor du bør vurdere det neste gang du reiser:

Tilgjengelig og praktisk

Å bestille en flyplasstransport er enkel og en enkel prosess. Det er ikke behov for papirverk fordi alt du trenger å gjøre er å bestille flyplasstransporten på forhånd, og det vil sikkert vente på deg utenfor flyplassen når du har landet. Med bruk av Tokyo MKs online reservasjonssystem, vet du nøyaktig hva du får fra deres utmerkede flyplasstransport. Overføringen din vil foregå på en veldig gjennomsiktig måte som hjelper deg med å spare mye tid og problemer.

Sikker og effektiv

Hvis du planlegger å reise til et fremmed land der du ikke er kjent med de lokale regler og regler for kjøring, er en flyplasstransport med en kunnskapsrik sjåfør det beste valget. Du kan stole på at sjåføren din skal ta deg til reisemålet ditt trygt og til tider for sjåførene ikke bare er kjent med lokalområdet, men han kan også kommunisere effektivt med deg også ved å bruke vanlig språk som engelsk.

Komfort og bekvemmelighet

Flying kan være veldig utmattende, spesielt hvis det er en lang og stressende flytur. Derfor er det bedre å velge en tjeneste som vil komme deg helt til reisemålet, mens du leter deg tilbake og lade opp på baksetet på bilen. Dessuten lindrer det ikke tanken på at noen venter på deg utenfor flyplassen for å hente deg i et fremmed land?

Luksuriøs bilpark

Hvis du går for en flyplasstransport, bør du vite at det finnes forskjellige luksuriøse bilmodeller å velge mellom. Fra SUV til sedans, kan du enkelt bestille den typen kjøretøy som passer best for dine behov alt du trenger å gjøre er å forsikre deg om at du bestiller din overføring online eller på forhånd.

Når det gjelder flyplasstransporttjenester, kan du stole på Tokyo MK Taxi, som har gitt trygghet og bekvemmelighet for kunder både i inn-og utland via deres online-bokningssystem (Sky Web Online Service) og deres globale webside Narita / Haneda. Online reservasjonssystem for Los Angeles MK. Tokyo MK Taxi har Lexus-gruppentusiaster som omdefinerer måten du reiser i stil.

Likes

Comments

There are tons of different ways to invest your money. The real question here is what type of investment is right for you? Looking for the most suitable investment type that will reap a good harvest is a daunting task.

One biggest element in growing your wealth is the value of return you will get on your investment. There are occasions where you may need to put your money somewhere for a while, although you won’t acquire very good revenue (short-term investments). Or you may also be willing to take a risk and consider a long-term investment that has a higher probability of maximizing your returns. Whichever investment type you choose, here is a guide to the most common short-term and long-term vehicles you might want to consider.

SHORT-TERM SAVINGS VEHICLES

Bank savings account: This is the most availed saving medium used by many people. Bank savings account has low monetary return but this is much more preferable than using your old piggy banks.

Money market funds: This have higher returns compared to bank savings account, however, certificate of deposit are much more preferable than money market funds when it comes to earning more. Money market funds are designed with a maintaining value of $1 per share at all times.

Certificate of deposit (CD): The interest rate on CD’s depends on its fixed maturity date. The maturity date is fixed which means that you cannot get your money (there’s a penalty if you want to) not until the maturity expires. The accumulated interest plus the original amount will be returned once the maturity ends. It’s a specialized deposit issued by commercial banks and are usually insured up to $100,000.

LONG-TERM INVESTING VEHICLES

Bonds: This type of investment option is where an investor loans money to a government or corporation to finance their various projects and activities. In return, the investor will be the owner of the bond and the issuer who borrows the money for a defined period of time will pay a fixed rate of interest during the life of the bond.

Stocks: Stocks is a type of investment where a company or business allows an individual to own a portion of the company. The worth value in the market of the share is proportional to the company’s growth.

Mutual funds: It is an investment vehicle where investors pool their money to invest in securities such as stocks, bonds, money markets that money managers think as worthwhile.

RETIREMENT PLANS

Planning for retirement should now occupy your mind. Nowadays, various special plans are created for retirement savings and many of these allow the early transfer of money from your paycheck before the deduction of taxes. If you intend to buy a home or pay for education, there are some retirement plans which allow early withdrawal of your money without penalty fees. In some cases, making retirement savings as collateral to borrow money from the account or apply for a low-interest secured loan is permitted too.

Individual retirement account (IRA): IRA’s are specialized accounts which allow the account holder to invest the money freely in any manner. In this type of retirement plan, you will not be taxed unless you withdraw your fund. If you meet certain requirements, IRA payments may be considered tax deductible.

Roth IRA: This type of retirement plan does not demand tax payments on your contributions and offers exemption from federal taxes when you decided to withdraw from the account.

401(k): Employers offer this type of retirement savings and most commonly a suitable choice for many people. 401(k) has tax advantages with the potential benefit of corporate matching.

403(b): This retirement plan is the nonprofit version of a 401(k) plan. There is also a so-called 457 plan offered by the local and state government.

Keogh: A tax-deferred special type of IRA for self-employed individuals or small businesses for retirement purposes.

Simplified Employee Pension (SEP) plan: A Keogh-based plan established by employers and self-employed individuals to provide retirement plans that are easier to administer compared to normal pension plans.

A closer look at stocks

Stocks have much better returns compared to bonds and other investment vehicles. Investing in stocks means being one of the many owners of a company, thus, you have a claim on every asset and earning the company generates. The higher your share, the greater your ownership stake in the company. The existence of stock market starts in the 16th century by Dutch corporations as a way for businessmen to finance their company using investor’s money. In return, the investor can claim ownership of assets and profits of a company as a part-owner.

What is common stock?

Common stock is the most prevailing type of stock most people choose since anyone can participate in buying this type of investment without imposing restrictions. When you purchase a common stock, you become a part-owner of the company with the power to vote or elect a board of directors. The board of directors is a group of individuals capable of influencing corporate policies and decisions for the growth of the company. If they want to fire the company manager, they can do so because they possess the power to manage the entire company. However, if the company doesn’t generate a positive income, the value of shares will decrease too. In the event of company bankruptcy, the stock will then become worthless.

Classes of Stock

Usually, the difference between the classes of stock is a number of voting rights assigned. As an example, Class B share can have a single vote for each share while Class A possesses 10 votes per share. This is often considered an unfair deal for many investors and they often avoid companies with this kind of strategy. And the reason for creating this is for the owner to retain the control over the business. They usually give the class of shares with the fewest number of votes to the public while reserving the class with the largest number of votes attached to it for the owners and major investors.




Likes

Comments

What if your air-conditioner suddenly decided to give up its ghost? Do you resurrect it (replace it with a new functioning unit) using a credit card and then scrimp on your meals for half a year in order to cover the cost of enjoying a cool summer and a warm winter?

Small and big accidents can happen and it helps a lot if you have the cash to insulate you from the worry and stress. Spend the next 60 seconds to learn how to create a short-term bundle of cash effectively.

Estimate your monthly expenses

The main purpose of having a bank savings is to have the cash to spend for essential needs in the event of unexpected or unfortunate life situations. Ask yourself then how much you would need in case that happens (Heaven forbid). It is as simple as asking yourself how much you spend every month.

You can add up what you spend monthly on your basic needs, such as food, house rental or mortgage payment, transportation cost and other expenses you regularly incur for yourself and your family.

Include an additional amount for unexpected expenses

This could include average surprises such as a broken pipe or substantial ones such as losing a job. Bring your budget up to take care of the usual needs you spend for while looking for a new job. Next, compute the amount you would have to raise during the time you would be unemployed by multiplying the monthly income you lost by the number of months (say, you would be job-hunting for 3 to 5 months). In addition, you can integrate whatever available cash sources you may have and other expenses to cover the needs of people who depend on you financially.

There you go. That rounds up the figure you have to save as an emergency savings account.

It is time to see into your future expenses, from 1 to 5 years

Having accomplished the first step, think of other cash needs you have in mind. Does your fence need repainting? Do the children need dental check-ups? Your family has always wanted to go to Hawaii? Such plans should find a place in your short-term savings account. Sit down and crank up the figures to derive an amount for the next few years.

Think about how fast you will achieve this objective

You need to raise the amount in the least possible time because emergency expenses are like thieves that strike when you least expect them. Determine how much you can comfortably spare monthly to that pot. You cannot afford to avoid this call; so for your own good, take it. Your survival rests on its being there to turn to. Having done that, you can then estimate your non-emergency short-term savings. (We have savings calculators you can use to do this.)

Decide where to put your stash

Consider how you can get your hands readily on the money you have kept away for any eventuality. No sense preparing for an emergency without the hardware being there when you need it. Hence, you must choose a secure place for your money – that is, it must not be an investment which is as fickle as the weather in Seattle. Here are the possible choices:

  • Money market mutual funds
  • High-yielding savings accounts
  • Money market accounts
  • For savings intended for expenses that we refer to as non-emergency (those which you really wish you could spend on a whim), liquid investments can provide a better return on your money. These include certificates of deposit. For more info on this type of instrument, check this out for articles .

    Compare the various types of investments online

    You can check out bank adverts in the media, compare national rates on Bankrate.com, find out how much your broker pays on cash in your brokerage account, know more about money market funds from iMoneyNet and ask your credit card union and your bank what they offer. Investigate the following:

  • What are the relative returns for equal time frames?
  • What are the prevailing interest rates?
  • Over what time frame do these rates apply?
  • What are the fees for buying and holding the investment?
  • What is the smallest investment allowed for attractive interest rates?
  • (Be careful of some institutions which attract investors with high rates too avoid getting scammed and to get your attention but bring them down once you negotiate. Look over the actual rates in the past at Bankrate.com to check how the interest rates change over time.)

    Work the plan!

    Time is running short, if you have not noticed by now. You need to have a short-term emergency savings today, not tomorrow! Do not wait until you find yourself paying an onerous credit-card debt incurred because your smartphone broke, the plumbing leaked, the wife got sick or the winds blew away your roof.

    Bonus tip: Force your savings!

    In case it is not your habit to save, you need not worry as an automatic salary-deduction or transfer can help you move in right away. Talk to your employer if the company can split your paycheck (direct deposit) into your regular account and your short-term savings account. Or you can have an auto-transfer from your checking account into your emergency account.

    There is more, if you still have time.

    Some valuable links for you – click away:

    Where to keep your cash

    Steps to take to build a cash-stash

    Safeguard your finances for your peace of mind

    Easy computations for figuring out a rainy-day savings

    Where to find a high-yield account for your short-term savings (Our Banking collection can help you today)


    Likes

    Comments

    Cath's day was like any other - until she picked up her phone. It was dead except for a spinning penguin on its screen.

    Her phone was locked and trapped inside was a year's worth of irreplaceable photos, messages, appointments and contacts.

    For Cath this proved devastating: "I thought I had everything saved to the SIM, but that had been completely stripped of all information, photos, contacts, and texts. The photos in particular were the hardest loss to bear."

    Sending her phone to her telco proved fruitless - they were unable to fix it. It wasn't a hardware failure. The only option that made any sense was malware, malicious software that is used to disrupt devices.

    Mobile malware is becoming more commonplace both in New Zealand and overseas.

    Mark Gorrie, Symantec's Australasian manager, said ransomware attacks (which sees PCs smartphones and other devices encrypted and locked until a fee gets paid) has increased by 163 per cent in the last 12 months.

    Our part of the world is the third-most targeted region for ransomware attacks.

    According to Symantec, cyber-crime is also growing. Identity thefts happen on average every two seconds.

    Cybercrime affected 668 million people from 21 countries this year. Phishing attacks and other cyber-fraud cost US$126 billion globally last year.

    Phones are increasingly targeted by cyber criminals as more people use them for online shopping.

    The trouble is, it can difficult to tell if a website is genuine with a mobile browser and it can be easy to click an innocent-looking link or advert that then installs malware on your phone.

    Vodafone offers six tips to avoid malware.

  • Only install applications from official app stores: If you own an Android device, you can set it to only allow authorised apps to be download from the Google Play store. Apple devices only allow apps from its store.
  • Do not jailbreak/root your device as this exposes it to threats.
  • Do not use the same username/passwords across all your apps or sites.
  • Ensure your device has a password or PIN enabled. If it has a fingerprint scanner, use it
  • Keep the operating system up to date. Doing so ensures your device gets protected against any current vulnerabilities that could be exploited by malware.
  • Install mobile a security app (it'll detect and block malware) as well as a cloud-based photo app which will back up photos so they're not lost should your phone be stolen/broken or hacked.
  • One option as a security app is Symantec's latest version of Norton Mobile Security.

    It can protect up to five devices so it should cover an entire household's PCs, smartphones and tablets.

    The app offers basic malware protection at no cost but to get more advanced protection if you pay an annual fee of $99.

    The free version includes antivirus/malware/spyware detection and removal, anti-theft capabilities, web protection plus call blocking.

    The paid version features App Advisor which checks out apps installed on your phone and vets apps before you install them.


    Likes

    Comments

    Keeping the good condition of your car requires regular maintenance, and if repair is needed, it should be done correctly to make sure of the safety of everyone concerned. Tyre&Auto Southbourne Group suggests that you maintain the safety standards of your car and ensure that it is always in perfect running condition.

    Knowing how to brake a car properly usually comes first before learning how to move it forward or backward, which indicates that a person should be responsible for his or her own protection as well as of other people. Tyre&Auto also views this as an essential aspect of driving a car.

    The local residents of South Coast of Hampshire trust the automobile services of Tyre&Auto Southbourne Group – a family-operated company that has a great background in trading car accessories and parts. They offer services such as car servicing, tyres, brake checks, MOT’s and free seasonal tune-ups and check-ups.

    Need quick tyre fitting? Tyre&Auto caters online transactions that can deliver fast tyre quotation. They can provide local collect and delivery of your car with high-quality maintenance and repair. How about an MOT test? Tyre&Auto also has it wherein it involves checking the safety of your car and the amount of exhaust emission.

    The company also provides necessary assistance to your annual MOT certificate requirements through their regular reminders, which includes the due of your test, to ensure that you will renew your road tax and car insurance at the right time.

    Ease, mobility, personal comfort as well as financial returns are some of the benefits of owning a car, but such vehicle can also provide emotional or psychological benefits to an individual or a family. With this in mind, Tyre&Auto Southbourne Group will continue to provide trustworthy services to their customers and will make sure that they will only deliver the best automobile services to them.

    Likes

    Comments

    A $1 billion Russia-based criminal gang has been bilking online advertisers by impersonating high-profile Web sites like ESPN, Vogue, CBS Sports, Fox News and the Huffington Post and selling phony ad slots, but that’s about to end.

    Online fraud-prevention firm White Ops is releasing data today that will enable online advertisers and ad marketplaces to block the efforts of the group, which is cashing in on its intimate knowledge of the automated infrastructure that controls the buying and selling of video ads.

    The group has been ramping up its activities since October so that it now reaps roughly $3 million to $5 million per day from unsuspecting advertisers and gives them nothing in return, says White Ops, which discovered the first hints of the scam in September.

    When someone clicks on a video that’s posted to a Web page, the video is often preceded by a short advertising video known as pre-roll. The pre-roll slot is sold realtime – within 100 milliseconds – via an automated auction. That click to request the video is what initiates the ad auction, and the browser directly receives the pre-roll from the advertiser that wins, says White Ops CEO Michael Tiffany.

    The system relies on information provided by the browser to verify what site the browser user is visiting and that it actually receives the pre-roll ad. “The ecosystem believes what the browser says about what site you’re at,” he says.

    Beware Methobot

    The gang, which Tiffany calls AFT13, has created a robo-browser called Methbot that spoofs all the necessary interactions needed to initiate, carry out and complete the ad transactions. So Methbot contacts an ad exchange and says it needs a pre-roll for a video on Vogue.com, for example. The system runs an instant auction, settles on an ad and sends it to Methbot, which verifies that it received it and played it.

    Then the advertiser pays the entity the website that the browser claimed to be visiting, but that entity resolves ultimately to AFK13, not to Voguecom, in this example, he says.

    Beyond this, AFK13 spoofs the geolocation of the IP addresses that the Methbot servers use so it seems they are all owned by U.S. internet service providers. The proxy IP addresses mask the fact that Methbot traffic is generated by servers as opposed to individual personal computers generating legitimate traffic. It also hides that the servers are located in data centers in Dallas and Amsterdam.

    This helps Methbot duck detection mechanisms that look for a few IP addresses that generate enormous volumes of requests Tiffany says, enabling AFK13 to sell 200 million to 300 million false ad impressions per day for 1.3 cents per view on average, White Ops says. The fraud network does its work from an estimated 800 to 1,000 nodes in its data centers and operates 24 hours per day, with a sales cycle of 5 seconds per impression.

    Methbot further avoids detection by selling the ads on more than 6,000 domains representing about 250,000 URLs.

    To pull this all off, AFK13 has amassed an impressive infrastructure that includes:

  • The servers that generate all the Methbot browser activity.
  • A bank of 500,000 IPv4 addresses (worth about $4 million if sold on the open market).
  • A means of registering those IP addresses so they appear to be allocated to U.S. ISPs.
  • Methbot software.
  • The software has been upgraded over the period that White Ops became aware of it, Tiffany says. For example, White Ops first caught on to the scam when it noted a small error in an HTTP header used by the group. One value, known as Cache-Control, contained a colon, which violated the specification for that value. Since then the error has been corrected.

    White Op has been blocking Methbot traffic for its customers, but the only way to stop it entirely is to release the list of URLs indicative of Methbot, the IP addresses used by AFK13 and the list of publisher domains it forges.

    Tiffany says White Ops has also notified the FBI about the scam.

    Likes

    Comments

    Global retailers can expect 12 per cent growth in online fraudulent activity in the upcoming holiday season, compared with the same period last year — and lower ticket prices on fraudster-targeted gifts and products.

    That’s the analysis which falls out of new benchmark data from ACI Worldwide.

    The data, based on hundreds of millions of transactions from retailers globally, provides advice that merchants can leverage to protect against fraudulent activity this holiday season.

  • Card Not Present (CNP) global online fraud attempt rates are expected to increase 12 per cent by volume over the same peak holiday period in 2015 — with sales to increase by nearly the same rate (13 per cent) in 2016.
  • o Fraud and new business growth are rising at the same rate globally.

  • S. CNP fraud attempt rates are expected to increase by 43 per cent by volume.
  • o Following the US adoption of EMV chip cards, which protects card data through encryption, fraud is shifting online as fraudsters are more effectively deterred from in-store fraud.

  • The 2015 trend of lower ticket prices will continue in 2016, due to alternative shipping methods (e.g. buy online/pick-up in-store), low-priced electronics and promotions.
  • o In the US, attempted fraud average ticket value (ATV), or a retailer’s average size of individual sales by credit card, is expected to decline from $239 to $219, an 8 per cent decrease.

    o Fraudsters are expected to focus on cosmetics, cordless headphones, sneakers and other lower-priced items (including ‘Gift with Purchase’ products) that can be easily resold on the black market or via auction websites

    According to Mike Braatz, chief product officer, ACI Worldwide, “Fraud is increasing at a rate nearly equal to general retail growth globally — and is exponentially increasing in the US, due to a seismic shift from in-store to online activity.”

    He added, “Because fraudulent activity is now considered to be an everyday occurrence, consumers and merchants must take every precaution as we head into peak holiday shopping season.”

    Fraud will peak on Christmas Eve with nearly 2.5 per cent fraud, due to the popularity of gift cards and last-minute shopping via buy online-pick up in-store

    “Merchants need to understand their peak days and the sales that drive those high velocity times to ensure risk strategies are effective and efficient,” said Braatz. “It’s important to prioritize real-time fraud detection without alienating the consumer experience.”

    Likes

    Comments

    Hundreds of fake retail and product apps have popped up in Apple’s App Store in recent weeks — just in time to deceive holiday shoppers.

    The counterfeiters have masqueraded as retail chains like Dollar Tree and Foot Locker, big department stores like Dillard’s and Nordstrom, online product bazaars like Zappos.com and Polyvore, and luxury-goods makers like Jimmy Choo, Christian Dior and Salvatore Ferragamo.

    “We’re seeing a barrage of fake apps,” said Chris Mason, chief executive of Branding Brand, a Pittsburgh company that helps retailers build and maintain apps. He said his company constantly tracks new shopping apps, and this was the first time it had seen so many counterfeit iPhone apps emerge in a short period of time.

    Some of them appeared to be relatively harmless — essentially junk apps that served up annoying pop-up ads, he said.

    But there are serious risks to using a fake app. Entering credit card information opens a customer to potential financial fraud. Some fake apps contain malware that can steal personal information or even lock the phone until the user pays a ransom. And some fakes encourage users to log in using their Facebook credentials, potentially exposing sensitive personal information.

    The rogue apps, most of which came from developers in China, slipped through Apple’s process for reviewing every app before it is published.

    That scrutiny, which Apple markets as an advantage over Google’s less restrictive Android smartphone platform, is supposed to stop any software that is deceitful, that improperly uses another company’s intellectual property or that poses harm to consumers.

    In practice, however, Apple focuses more on blocking malicious software and does not routinely examine the thousands of apps submitted to the iTunes store every day to see if they are legitimately associated with the brand names listed on them.

    With apps becoming more popular as a way to shop, it is up to brands and developers themselves to watch for fakes and report them, much as they scan for fake websites, said Ben Reubenstein, chief executive of Possible Mobile, a Denver company that makes apps for JetBlue Airways, the PGA Tour and the Pokémon Company, among others.

    “It’s important that brands monitor how their name is being used,” he said.

    Apple removed hundreds of fake apps on Thursday night after The New York Times inquired about the specific app vendors that created many of them. Other apps were removed after a New York Post article last week drew attention to some of the counterfeits.

    “We strive to offer customers the best experience possible, and we take their security very seriously,” said an Apple spokesman, Tom Neumayr. “We’ve set up ways for customers and developers to flag fraudulent or suspicious apps, which we promptly investigate to ensure the App Store is safe and secure. We’ve removed these offending apps and will continue to be vigilant about looking for apps that might put our users at risk.”

    In September, Apple also embarked on a campaign to review all two million apps in the App Store and remove “apps that no longer function as intended, don’t follow current review guidelines or are outdated.” The company says that a significant number of apps have been removed and that the review is continuing.

    Despite Apple’s efforts, new fake apps appear every day. In some cases, developers change the content of an app after it has been approved by Apple’s monitors. In other instances, the counterfeiters change their names and credentials, and resubmit similar apps after one round of fakes is discovered.

    “It’s a game of Whac-a-Mole,” Mr. Mason of Branding Brand said.

    On Friday, for example, an entity calling itself Overstock Inc. — an apparent attempt to confuse shoppers looking for the online retailer Overstock.com — was peddling Ugg boots and apparel through a fake app that was nearly identical to one banished by Apple on Thursday.

    The same Chinese app developer, Cloaker Apps, created both fake Ugg apps on behalf of Chinese clients.

    Jack Lin, who identified himself as the head of Cloaker, said in a phone interview in China that his company provides the back-end technology for thousands of apps but does not investigate its clients.

    “We hope that our clients are all official sellers,” he said. “If they are using these brands, we need some kind of authorization, then we will provide services.”

    Mr. Lin said Cloaker charged about 20,000 renminbi — about $3,000 — for an app written in English.

    But like so many of the apps his company produces, Cloaker is not what it purports to be. Its website is filled with dubious claims, such as the location of its headquarters, which it says is at an address smack in the middle of Facebook’s campus in Menlo Park, Calif.

    In the interview, Mr. Lin at first said he had offices only in China and Japan. When asked about the California office, he then claimed to have “tens of employees” at the Facebook address.

    China is by far the biggest source of fake apps, according to security experts.

    Many of the fake retail apps have red flags signaling that they are not real, such as nonsensical menus written in butchered English, no reviews and no history of previous versions. In one fake New Balance app, for example, the tab for phone support did not list a phone number and said, “Our angents are available over the hone Monday-Firday.”

    Data from Apptopia show that some of the fake apps have been downloaded thousands of times, although it is unclear how many people have actually used them. Reviews posted on some of the apps indicated that at least some people tried them and became frustrated. “Would give zero stars if possible,” wrote one reviewer of the fake Dollar Tree app. “Constantly gets stuck in menus and closes what you were doing and makes you start over.”

    Mr. Mason says consumers want to shop online and they search for apps from their favorite stores and brands.

    “The retailers who are most exposed are the ones with no app at all,” he said. Dollar Tree and Dillard’s, for example, have no official iPhone apps, which made it easier to lure their customers to the fake apps.

    But the counterfeiters have also mimicked companies that do have an official presence in the App Store, hoping to capitalize on consumer confusion about which ones are real.

    The shoe retailer Foot Locker Inc., for example, has three iPhone apps. But that did not stop an entity calling itself Footlocke Sports Co. Ltd. from offering 16 shoe and clothing apps in the App Store — including one purporting to be from a Foot Locker rival, Famous Footwear.

    Similarly, the supermarket chain Kroger Company has 20 iPhone apps, reflecting the various retail chains in its empire. An entity calling itself The Kroger Inc. had 19 apps, purporting to sell things as diverse as an $80 pair of Asics sneakers and a $688 bottle of Dior perfume.

    Some of the fake apps have even used Apple’s new paid search ads to propel them to the top of the results screen when customers search for specific brands in the App Store.

    Jon Clay, director of global threat communications for Trend Micro, an internet security firm, said Apple’s tight control over the iPhone had historically kept malicious apps out of its App Store. Fake apps appeared more often on Google’s Android platform or on third-party app stores, he said.

    But that is beginning to change. Shortly after the Pokémon Go game was released in the United States in July, for example, a spate of fake iPhone apps related to the game appeared, especially in countries where the game was not yet available.

    “The criminals are going to take advantage of whatever is hot,” Mr. Clay said.


    Likes

    Comments