#online money transfer software

[hbstechnology]

Invest In The Best Online Money Transfer Software Platform With HBS Technologies!

Your one-stop shop for digital reward administration is HBS Technologies. We make it simple to purchase, manage, and track rewards on a large scale. Large or small businesses can use the best online money transfer software platform to deliver rewards one-to-one or in mass, or automatically by integrating with our API. HBS Technologies ensures simplicity and ease of use on all fronts thanks to its local accessibility and worldwide reach. Give us a try, Visit HBS Technologies for more information.

[lifehacksthatwork]

Just a bunch of Useful websites - Updated for 2023

Removed/checked all links to make sure everything is working (03/03/23). Hope they help!

Sejda - Free online PDF editor.

Supercook - Have ingredients but no idea what to make? Put them in here and it'll give you recipe ideas.

Still Tasty - Trying the above but unsure about whether that sauce in the fridge is still edible? Check here first.

Archive.ph - Paywall bypass. Like 12ft below but appears to work far better and across more sites in my testing. I'd recommend trying this one first as I had more success with it.

12ft – Hate paywalls? Try this site out.

Where Is This - Want to know where a picture was taken, this site can help.

TOS/DR - Terms of service, didn't read. Gives you a summary of terms of service plus gives each site a privacy rating.

OneLook - Reverse dictionary for when you know the description of the word but can't for the life of you remember the actual word.

My Abandonware - Brilliant site for free, legal games. Has games from 1978 up to present day across pc and console. You'll be surprised by some of the games on there, some absolute gems.

Project Gutenberg – Always ends up on these type of lists and for very good reason. All works that are copyright free in one place.

Ninite – New PC? Install all of your programs in one go with no bloat or unnecessary crap.

PatchMyPC - Alternative to ninite with over 300 app options to keep upto date. Free for home users.

Unchecky – Tired of software trying to install additional unwanted programs? This will stop it completely by unchecking the necessary boxes when you install.

Sci-Hub – Research papers galore! Check here before shelling out money. And if it’s not here, try the next link in our list.

LibGen – Lots of free PDFs relate primarily to the sciences.

Zotero – A free and easy to use program to collect, organize, cite and share research.

Car Complaints – Buying a used car? Check out what other owners of the same model have to say about it first.

CamelCamelCamel – Check the historical prices of items on Amazon and set alerts for when prices drop.

Have I Been Pawned – Still the king when it comes to checking if your online accounts have been released in a data breach. Also able to sign up for email alerts if you’ve ever a victim of a breach.

I Have No TV - A collection of documentaries for you to while away the time. Completely free.

Radio Garden – Think Google Earth but wherever you zoom, you get the radio station of that place.

Just The Recipe – Paste in the url and get just the recipe as a result. No life story or adverts.

Tineye – An Amazing reverse image search tool.

My 90s TV – Simulates 90’s TV using YouTube videos. Also has My80sTV, My70sTV, My60sTV and for the younger ones out there, My00sTV. Lose yourself in nostalgia.

Foto Forensics – Free image analysis tools.

Old Games Download – A repository of games from the 90’s and early 2000’s. Get your fix of nostalgia here.

Online OCR – Convert pictures of text into actual text and output it in the format you need.

Remove Background – An amazingly quick and accurate way to remove backgrounds from your pictures.

Twoseven – Allows you to sync videos from providers such as Netflix, Youtube, Disney+ etc and watch them with your friends. Ad free and also has the ability to do real time video and text chat.

Terms of Service, Didn’t Read – Get a quick summary of Terms of service plus a privacy rating.

Coolors – Struggling to get a good combination of colors? This site will generate color palettes for you.

This To That – Need to glue two things together? This’ll help.

Photopea – A free online alternative to Adobe Photoshop. Does everything in your browser.

BitWarden – Free open source password manager.

Just Beam It - Peer to peer file transfer. Drop the file in on one end, click create link and send to whoever. Leave your pc on that page while they download. Because of how it works there are no file limits. It's genuinely amazing. Best file transfer system I have ever used.

Atlas Obscura – Travelling to a new place? Find out the hidden treasures you should go to with Atlas Obscura.

ID Ransomware – Ever get ransomware on your computer? Use this to see if the virus infecting your pc has been cracked yet or not. Potentially saving you money. You can also sign up for email notifications if your particular problem hasn’t been cracked yet.

Way Back Machine – The Internet Archive is a non-profit library of millions of free books, movies, software, music, websites and loads more.

Rome2Rio – Directions from anywhere to anywhere by bus, train, plane, car and ferry.

Splitter – Seperate different audio tracks audio. Allowing you to split out music from the words for example.

myNoise – Gives you beautiful noises to match your mood. Increase your productivity, calm down and need help sleeping? All here for you.

DeepL – Best language translation tool on the web.

Forvo – Alternatively, if you need to hear a local speaking a word, this is the site for you.

For even more useful sites, there is an expanded list that can be found here.

[minnov]

it only took me over a year but I finally set up online banking with my Japanese bank lmao

[ezulix]

Choose the Best Money Remittance Software?

Are you planning to start your own online money transfer business and looking for the best money remittance software then this is for you? Ezulix Software is a leading money transfers software provider company in India since 2018. We are offering the best quality money remittance platform for a b2b business. By using our money transfer online software you can create unlimited members all over India and can make money by offering them money transfer service at the lowest surcharge. For more details visit my blog now.

[buydumps1]

Bank Account Hacking Software

Bank account hacking software allows hackers to steal your personal banking information. When you are vulnerable and don't know it, they can enter your name and social security number on a fake account with stolen passwords to purchase fraudulent goods or sell on the black market.

[themarketinsights]

Online Money Transfer Software Market Giants Spending Is Going To Boom | Xoom, Azimo, Money transfer system, Transfer wise

The latest study released on the Global Online Money Transfer Software Market by AMA Research evaluates market size, trend, and forecast to 2027. The Online Money Transfer Software market study covers significant research data and proofs to be a handy resource document for managers, analysts, industry experts and other key people to have ready-to-access and self-analyzed study to help understand market trends, growth drivers, opportunities and upcoming challenges and about the competitors.

Key Players in This Report Include: Transfer wise (United Kingdom), Remitly (United States), Money transfer system (United States), HBS technology (United Kingdom), Vayupay (India), Azimo (United Kingdom), Money control (United Kingdom), Xoom corporation (United States), Omega software (India), Skypoint India E Services Pvt Ltd (India)

Download Sample Report PDF (Including Full TOC, Table & Figures) @ https://www.advancemarketanalytics.com/sample-report/129731-global-online-money-transfer-software-market#utm_source=OpenPRVinay

Definition: Online money transfer software allows the user to transfer money to beneficiary account by using methods such as IMPS and NEFT method. To transfer the amount, user has to enter details like IFSC code, account number and amount. By using this software, user can send money to any bank. Another benefit is that the transaction is secured with multiple levels of authentications, and no hidden charges are applied. These benefits of simplified fund transfer are gaining the popularity which is fueling the market growth.

Market Opportunities: • Government Initiatives for Digitization in Developing Economies • Increasing Usage of Money Transfer Software by B2B Customers and Financial Professionals

Market Trend: • Inclination of Consumers towards Digital Payment • Technological Advancements for Online Money Transfer

Market Drivers: • Benefits Such as Quick Transfer, Time Saving and Easy to Use is fueling the Market • Increasing Internet Penetration across the Globe

The Global Online Money Transfer Software Market segments and Market Data Break Down are illuminated below: by Platform (Windows, Linux, Android, IoS), Pricing (Monthly, Annually, One time license), Deployment (Cloud, On premise), Features (Bank money transfer, Compliance, Security, Reporting, User management, Accuracy, User friendly interface, Others)

Global Online Money Transfer Software market report highlights information regarding the current and future industry trends, growth patterns, as well as it offers business strategies to help the stakeholders in making sound decisions that may help to ensure the profit trajectory over the forecast years.

Have a query? Market an enquiry before purchase @ https://www.advancemarketanalytics.com/enquiry-before-buy/129731-global-online-money-transfer-software-market#utm_source=OpenPRVinay

Geographically, the detailed analysis of consumption, revenue, market share, and growth rate of the following regions: • The Middle East and Africa (South Africa, Saudi Arabia, UAE, Israel, Egypt, etc.) • North America (United States, Mexico & Canada) • South America (Brazil, Venezuela, Argentina, Ecuador, Peru, Colombia, etc.) • Europe (Turkey, Spain, Turkey, Netherlands Denmark, Belgium, Switzerland, Germany, Russia UK, Italy, France, etc.) • Asia-Pacific (Taiwan, Hong Kong, Singapore, Vietnam, China, Malaysia, Japan, Philippines, Korea, Thailand, India, Indonesia, and Australia).

Objectives of the Report • -To carefully analyze and forecast the size of the Online Money Transfer Software market by value and volume. • -To estimate the market shares of major segments of the Online Money Transfer Software • -To showcase the development of the Online Money Transfer Software market in different parts of the world. • -To analyze and study micro-markets in terms of their contributions to the Online Money Transfer Software market, their prospects, and individual growth trends. • -To offer precise and useful details about factors affecting the growth of the Online Money Transfer Software • -To provide a meticulous assessment of crucial business strategies used by leading companies operating in the Online Money Transfer Software market, which include research and development, collaborations, agreements, partnerships, acquisitions, mergers, new developments, and product launches.

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Major highlights from Table of Contents: Online Money Transfer Software Market Study Coverage: • It includes major manufacturers, emerging player's growth story, and major business segments of Online Money Transfer Software market, years considered, and research objectives. Additionally, segmentation on the basis of the type of product, application, and technology. • Online Money Transfer Software Market Executive Summary: It gives a summary of overall studies, growth rate, available market, competitive landscape, market drivers, trends, and issues, and macroscopic indicators. • Online Money Transfer Software Market Production by Region Online Money Transfer Software Market Profile of Manufacturers-players are studied on the basis of SWOT, their products, production, value, financials, and other vital factors. • Key Points Covered in Online Money Transfer Software Market Report: • Online Money Transfer Software Overview, Definition and Classification Market drivers and barriers • Online Money Transfer Software Market Competition by Manufacturers • Impact Analysis of COVID-19 on Online Money Transfer Software Market • Online Money Transfer Software Capacity, Production, Revenue (Value) by Region (2021-2027) • Online Money Transfer Software Supply (Production), Consumption, Export, Import by Region (2021-2027) • Online Money Transfer Software Production, Revenue (Value), Price Trend by Type {Payment Gateway, Merchant Account, Subscription Management,} • Online Money Transfer Software Manufacturers Profiles/Analysis Online Money Transfer Software Manufacturing Cost Analysis, Industrial/Supply Chain Analysis, Sourcing Strategy and Downstream Buyers, Marketing • Strategy by Key Manufacturers/Players, Connected Distributors/Traders Standardization, Regulatory and collaborative initiatives, Industry road map and value chain Market Effect Factors Analysis.

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Key questions answered • How feasible is Online Money Transfer Software market for long-term investment? • What are influencing factors driving the demand for Online Money Transfer Software near future? • What is the impact analysis of various factors in the Global Online Money Transfer Software market growth? • What are the recent trends in the regional market and how successful they are?

Thanks for reading this article; you can also get individual chapter wise section or region wise report version like North America, Middle East, Africa, Europe or LATAM, Southeast Asia.

[mariacallous]

In February of last year, Donggang Jinhui Foodstuff, a seafood-processing company in Dandong, China, threw a party. It had been a successful year: a new plant had opened, and the company had doubled the amount of squid that it exported to the United States. The party, according to videos posted on Douyin, the Chinese version of TikTok, featured singers, instrumentalists, dancers, fireworks, and strobe lights. One aspect of the company’s success seems to have been its use of North Korean workers, who are sent by their government to work in Chinese factories, in conditions of captivity, to earn money for the state. A seafood trader who does business with Jinhui recently estimated that it employed between fifty and seventy North Koreans. Videos posted by a company representative show machines labelled in Korean, and workers with North Korean accents explaining how to clean squid. At the party, the company played songs that are popular in Pyongyang, including “People Bring Glory to Our Party” (written by North Korea’s 1989 poet laureate) and “We Will Go to Mt. Paektu” (a reference to the widely mythologized birthplace of Kim Jong Il). Performers wore North Korean colors, and the country’s flag billowed behind them; in the audience, dozens of workers held miniature flags.

Drone footage played at the event showed off Jinhui’s twenty-one-acre, fenced-in compound, which has processing and cold-storage facilities and what appears to be a seven-floor dormitory for workers. The company touted a wide array of Western certifications from organizations that claim to check workplaces for labor violations, including the use of North Korean workers. When videos of the party were posted online, a commenter—presumably befuddled, because using these workers violates U.N. sanctions—asked, “Aren’t you prohibited from filming this?”

Like Jinhui, many companies in China rely on a vast program of forced labor from North Korea. (Jinhui did not respond to requests for comment.) The program is run by various entities in the North Korean government, including a secretive agency called Room 39, which oversees activities such as money laundering and cyberattacks, and which funds the country’s nuclear- and ballistic-missile programs. (The agency is so named, according to some defectors, because it is based in the ninth room on the third floor of the Korean Workers’ Party headquarters.) Such labor transfers are not new. In 2012, North Korea sent some forty thousand workers to China. A portion of their salaries was taken by the state, providing a vital source of foreign currency for Party officials: at the time, a Seoul-based think tank estimated that the country made as much as $2.3 billion a year through the program. Since then, North Koreans have been sent to Russia, Poland, Qatar, Uruguay, and Mali.

In 2017, after North Korea tested a series of nuclear and ballistic weapons, the United Nations imposed sanctions that prohibit foreign companies from using North Korean workers. The U.S. passed a law that established a “rebuttable presumption” categorizing work by North Koreans as forced labor unless proven otherwise, and levying fines on companies that import goods tied to these workers. China is supposed to enforce the sanctions in a similar manner. Nevertheless, according to State Department estimates, there are currently as many as a hundred thousand North Koreans working in the country. Many work at construction companies, textile factories, and software firms. Some also process seafood. In 2022, according to Chinese officials running pandemic quarantines, there were some eighty thousand North Koreans just in Dandong, a hub of the seafood industry.

Last year, I set out with a team of researchers to document this phenomenon. We reviewed leaked government documents, promotional materials, satellite imagery, online forums, and local news reports. We watched hundreds of cell-phone videos published on social-media sites. In some, the presence of North Koreans was explicit. Others were examined by experts to detect North Korean accents, language usage, and other cultural markers. Reporting in China is tightly restricted for Western reporters. But we hired Chinese investigators to visit factories and record footage of production lines. I also secretly sent interview questions, through another group of investigators and their contacts, to two dozen North Koreans—twenty workers and four managers—who had recently spent time in Chinese factories. Their anonymous responses were transcribed and sent back to me.

The workers, all of whom are women, described conditions of confinement and violence at the plants. Workers are held in compounds, sometimes behind barbed wire, under the watch of security agents. Many work gruelling shifts and get at most one day off a month. Several described being beaten by the managers sent by North Korea to watch them. “It was like prison for me,” one woman said. “At first, I almost vomited at how bad it was, and, just when I got used to it, the supervisors would tell us to shut up, and curse if we talked.” Many described enduring sexual assault at the hands of their managers. “They would say I’m fuckable and then suddenly grab my body and grope my breasts and put their dirty mouth on mine and be disgusting,” a woman who did product transport at a plant in the city of Dalian said. Another, who worked at Jinhui, said, “The worst and saddest moment was when I was forced to have sexual relations when we were brought to a party with alcohol.” The workers described being kept at the factories against their will, and being threatened with severe punishment if they tried to escape. A woman who was at a factory called Dalian Haiqing Food for more than four years said, “It’s often emphasized that, if you are caught running away, you will be killed without a trace.”

In all, I identified fifteen seafood-processing plants that together seem to have used more than a thousand North Korean workers since 2017. China officially denies that North Korean laborers are in the country. But their presence is an open secret. “They are easy to distinguish,” a Dandong native wrote in a comment on Bilibili, a video-sharing site. “They all wear uniform clothes, have a leader, and follow orders.” Often, footage of the workers ends up online. In a video from a plant called Dandong Yuanyi Refined Seafoods, a dozen women perform a synchronized dance in front of a mural commemorating Youth Day, a North Korean holiday. The video features a North Korean flag emoji and the caption “Beautiful little women from North Korea in Donggang’s cold-storage facility.” (The company did not respond to requests for comment.) Remco Breuker, a North Korea specialist at Leiden University, in the Netherlands, told me, “Hundreds of thousands of North Korean workers have for decades slaved away in China and elsewhere, enriching their leader and his party while facing unconscionable abuse.”

In late 2023, an investigator hired by my team visited a Chinese plant called Donggang Xinxin Foodstuff. He found hundreds of North Korean women working under a red banner that read, in Korean, “Let’s carry out the resolution of the 8th Congress of the Workers’ Party.” (The company did not respond to requests for comment.) Soon afterward, the investigator visited a nearby plant called Donggang Haimeng Foodstuff, and found a North Korean manager sitting at a wooden desk with two miniature flags, one Chinese and one North Korean. The walls around the desk were mostly bare except for two portraits of the past North Korean leaders Kim Il Sung and Kim Jong Il. The manager took our investigator to the workers’ cafeteria to eat a North Korean cold-noodle dish called naengmyeon, and then gave him a tour of the processing floor. Several hundred North Korean women dressed in red uniforms, plastic aprons, and white rubber boots stood shoulder to shoulder at long metal tables under harsh lights, hunched over plastic baskets of seafood, slicing and sorting products by hand. “They work hard,” the manager said. The factory has exported thousands of tons of fish to companies that supply major U.S. retailers, including Walmart and ShopRite. (A spokesperson for Donggang Haimeng said that it does not hire North Korean workers.)

At times, China aggressively conceals the existence of the program. Alexander Dukalskis, a political-science professor at University College Dublin, said that workers have a hard time making their conditions known. “They’re in a country where they may not speak the language, are under surveillance, usually living collectively, and have no experience in contacting journalists,” he said. In late November, after my team’s investigators visited several plants, authorities distributed pamphlets on the country’s anti-espionage laws. Local officials announced that people who try “to contact North Korean workers, or to approach the workplaces of North Korean workers, will be treated as engaging in espionage activities that endanger national security, and will be punished severely.” They also warned that people who were found to be working in connection with foreign media outlets would face consequences under the Anti-Espionage Act.

Dandong, a city of more than two million people, sits on the Yalu River, just over the border from North Korea. The Sino-Korean Friendship Bridge links Dandong to the North Korean city of Sinuiju. A second bridge, bombed during the Korean War, still extends partway across the river, and serves as a platform from which Chinese residents can view the North Koreans living six hundred yards away. The Friendship Bridge is one of the Hermit Kingdom’s few gateways to the world. Some trade with North Korea is allowed under U.N. sanctions, and nearly seventy per cent of the goods exchanged between that country and China travel across this bridge. At least one department store in Dandong keeps a list of products preferred by North Korean customers. Shops sell North Korean ginseng, beer, and “7.27” cigarettes, named for the date on which the armistice ending the Korean War was signed. The city is home to a museum about the conflict, officially called the Memorial Hall of the War to Resist U.S. Aggression and Aid Korea. On boat tours, Chinese tourists purchase bags of biscuits to toss to children on the North Korean side of the river.

Government officials carefully select workers to send to China, screening them for their political loyalties to reduce the risk of defections. To qualify, a person must generally have a job at a North Korean company and a positive evaluation from a local Party official. “These checks start at the neighborhood,” Breuker said. Candidates who have family in China, or a relative who has already defected, can be disqualified. For some positions, applicants under twenty-seven years of age who are unmarried must have living parents, who can be punished if they try to defect, according to a report from the South Korean government; applicants over twenty-seven must be married. North Korean authorities even select for height: the country’s population is chronically malnourished, and the state prefers candidates who are taller than five feet one, to avoid the official embarrassment of being represented abroad by short people. Once selected, applicants go through pre-departure training, which can last a year and often includes government-run classes covering everything from Chinese customs and etiquette to “enemy operations” and the activities of other countries’ intelligence agencies. (The North Korean government did not respond to requests for comment.)

The governments of both countries coördinate to place workers, most of whom are women, with seafood companies. The logistics are often handled by local Chinese recruitment agencies, and advertisements can be found online. A video posted on Douyin this past September announced the availability of twenty-five hundred North Koreans, and a commenter asked if they could be sent to seafood factories. A post on a forum advertised five thousand workers; a commenter asked if any spoke Mandarin, and the poster replied, “There is a team leader, management, and an interpreter.” A company called Jinuo Human Resources posted, “I am a human-resources company coöperating with the embassy, and currently have a large number of regular North Korean workers.” Several people expressed interest. (The company did not respond to requests for comment.)

Jobs in China are coveted in North Korea, because they often come with contracts promising salaries of around two hundred and seventy dollars a month. (Similar work in North Korea pays just three dollars a month.) But the jobs come with hidden costs. Workers usually sign two- or three-year contracts. When they arrive in China, managers confiscate their passports. Inside the factories, North Korean workers wear different uniforms than Chinese workers. “Without this, we couldn’t tell if one disappeared,” a manager said. Shifts run as long as sixteen hours. If workers attempt to escape, or complain to people outside the plants, their families at home can face reprisals. One seafood worker described how managers cursed at her and flicked cigarette butts. “I felt bad, and I wanted to fight them, but I had to endure,” she said. “That was when I was sad.”

Workers get few, if any, holidays or sick days. At seafood plants, the women sleep in bunk beds in locked dormitories, sometimes thirty to a room. One worker, who spent four years processing clams in Dandong, estimated that more than sixty per cent of her co-workers suffered from depression. “We regretted coming to China but couldn’t go back empty-handed,” she said. Workers are forbidden to tune in to local TV or radio. They are sometimes allowed to leave factory grounds—say, to go shopping—but generally in groups of no more than three, and accompanied by a minder. Mail is scrutinized by North Korean security agents who also “surveil the daily life and report back with official reports,” one manager said. Sometimes the women are allowed to socialize. In a video titled “North Korean beauties working in China play volleyball,” posted in 2022, women in blue-and-white uniforms exercise on the grounds of the Dandong Omeca Food seafood plant. (The company that owns the plant did not respond to requests for comment.) A commenter wrote, “The joy of poverty. That’s just how it is.”

Factories typically give the women’s money to their managers, who take cuts for themselves and the government, and hold on to the rest until the workers’ terms in China end. Kim Jieun, a North Korean defector who now works for Radio Free Asia, said that companies tell workers their money is safer this way, because it could be stolen in the dormitories. But, in the end, workers often see less than ten per cent of their promised salary. One contract that I reviewed stipulated that around forty dollars would be deducted each month by the state to pay for food. More is sometimes deducted for electricity, housing, heat, water, insurance, and “loyalty” payments to the state. Managers also hold on to wages to discourage defections. The women have been warned, Kim added, that if they try to defect “they will be immediately caught by Chinese CCTV cameras installed everywhere.” This past October, Chinese authorities repatriated around six hundred North Korean defectors. “China does not recognize North Korean defectors as refugees,” Edward Howell, who teaches politics at Oxford University, told me. “If they are caught by Chinese authorities, they will be forcibly returned to the D.P.R.K., where they face harsh punishment in labor camps.”

Chinese companies have significant incentives to use North Korean workers. They’re typically paid only a quarter of what local employees earn. And they are generally excluded from mandatory social-welfare programs (regarding retirement, medical treatment, work-related injury, and maternity), which further reduces costs. In 2017, Dandong’s Commerce Bureau announced a plan to create a cluster of garment factories that would use North Korean labor. The bureau’s Web site noted that all such workers undergo political screenings to make sure they are “rooted, red, and upright.” “The discipline among the workers is extremely strong,” it added. “There are no instances of absenteeism or insubordination toward leadership, and there are no occurrences of feigning illness or delaying work.” China’s Ministry of Foreign Affairs did not respond to questions for this piece, but last year the Chinese Ambassador to the U.N. wrote that China has abided by sanctions even though it has sustained “great losses” as a result. A spokesperson for the Ministry of Foreign Affairs recently said that China and North Korea have “enjoyed long-standing friendly ties,” adding, “The United States needs to draw lessons, correct course, step up to its responsibility, stop heightening the pressure and sanctions, stop military deterrence, and take effective steps to resume meaningful dialogue.”

North Koreans face difficult circumstances across industries. In January of this year, more than two thousand workers rioted in Jilin Province, breaking sewing machines and kitchen utensils, when they learned that their wages would be withheld. Many North Koreans—perhaps thousands—work in Russian logging, in brutal winter weather without proper clothing. Hundreds have been found working in the Russian construction industry; some lived in shipping containers or in the basements of buildings under construction, because better accommodations were not provided. One recounted working shifts that lasted from 7:30 A.M. to 3 A.M. In preparation for the 2018 and 2022 World Cups, held in Russia and Qatar, thousands of North Koreans were sent to build stadiums and luxury apartments. A subcontractor who worked alongside the North Koreans in Russia told the Guardian that they lived in cramped spaces, with as many as eight people packed into a trailer, in an atmosphere of fear and abuse like “prisoners of war.”

Although it’s illegal in the U.S. to import goods made with North Korean labor, the law can be difficult to enforce. Some eighty per cent of seafood consumed in America, for example, is imported, and much of it comes from China through opaque supply chains. To trace the importation of seafood from factories that appear to be using North Korean labor, my team reviewed trade data, shipping contracts, and the codes that are stamped on seafood packages to monitor food safety. We found that, since 2017, ten of these plants have together shipped more than a hundred and twenty thousand tons of seafood to more than seventy American importers, which supplied grocery stores including Walmart, Giant, ShopRite, and the online grocer Weee! The seafood from these importers also ended up at major restaurant chains, like McDonald’s, and with Sysco, the largest food distributor in the world, which supplies almost half a million restaurants, as well as the cafeterias on American military bases, in public schools, and for the U.S. Congress. (Walmart, Weee!, and McDonald’s did not respond to requests for comment. Giant’s parent company, Ahold Delhaize, and ShopRite’s parent company, Wakefern, said their suppliers claimed that they currently do not source from the Chinese plant in question, and added that audit reports showed no evidence of forced labor.)

Two of the plants that investigators from my team visited—Dandong Galicia Seafood and Dalian Haiqing Food—had an estimated fifty to seventy North Korean workers apiece. One worker who has been employed at Galicia said that the managers are “so stingy with money that they don’t allow us to get proper medical treatment even when we are sick.” Galicia and Haiqing have shipped roughly a hundred thousand tons of seafood to American importers since 2017, and Haiqing also shipped to an importer that supplies the cafeterias of the European Parliament. (Dalian Haiqing Food said that it “does not employ overseas North Korean workers.” Dandong Galicia Seafood did not respond to requests for comment. One of the U.S. importers tied to Haiqing, Trident Seafoods, said that audits “found no evidence or even suspicion” of North Korean labor at the plant. Several companies, including Trident, High Liner, and Sysco, said that they would sever ties with the plant while they conducted their own investigations. A spokesperson for the European Parliament said that its food contractor did not supply seafood from the plant.) Breuker, from Leiden University, told me that American customers quietly benefit from this arrangement. “This labor-transfer system is for North Korea and China as economically successful as it is morally reprehensible,” he said. “It’s also a boon for the West because of the cheap goods we get as a result.”

North Korea doesn’t just export seafood workers; it also exports fish—another means by which the government secures foreign currency. Importing North Korean seafood is forbidden by U.N. sanctions, but it also tends to be inexpensive, which encourages companies to skirt the rules. Sometimes Chinese fishing companies pay the North Korean government for illegal licenses to fish in North Korea’s waters. Sometimes they buy fish from other boats at sea: a letter from a North Korean, leaked in 2022, proposed selling ten thousand tons of squid to a Chinese company in return for more than eighteen million dollars and five hundred tons of diesel fuel. Sometimes the seafood is trucked over the border. This trade is poorly hidden. In October, a Chinese man who said his last name was Cui posted a video on Douyin advertising crabs from North Korea. When someone commented, “The goods can’t be shipped,” Cui responded with laughing emojis. In other videos, he explained that he operated a processing plant in North Korea, and gave information on the timing of shipments that he planned to send across the border. When I contacted Cui, he said that he had stopped importing North Korean seafood in 2016 (though the videos were actually from last year), and added, “It’s none of your business, and I don’t care who you are.” My team found that seafood from North Korea was imported by several American distributors, including HF Foods, which supplies more than fifteen thousand Asian restaurants in the U.S. (HF Foods did not respond to requests for comment.)

Chinese companies often claim that they are in compliance with labor laws because they have passed “social audits,” which are conducted by firms that inspect worksites for abuses. But half the Chinese plants that we found using North Korean workers have certifications from the Marine Stewardship Council, which is based in the U.K. and sets standards for granting sustainability certifications, but only to companies that have also passed social audits or other labor assessments. (Jackie Marks, an M.S.C. spokesperson, told me that these social audits are conducted by a third party, and that “We make no claims about setting standards on labor.”) Last year, one of my team’s investigators visited a seafood-processing plant in northeastern China called Dandong Taifeng Foodstuff. The company has been designated a “national brand,” a status reserved for the country’s most successful companies, and supplies thousands of tons of seafood to grocery stores in the U.S. and elsewhere. At the plant, our investigator was given a tour by a North Korean manager. On the factory floor, which was lit by bright fluorescent bulbs, more than a hundred and fifty North Korean women, most of them under thirty-five years old, wore head-to-toe white protective clothing, plastic aprons, white rubber boots, and red gloves that went up to their elbows. They stood with their heads down, moving red, yellow, and blue plastic bins of seafood. Water puddled at their feet. “Quick, quick,” one woman said to the other members of her small group. (Taifeng did not respond to requests for comment.) Just weeks after that visit, the plant was recertified by the Marine Stewardship Council.

Marcus Noland, who works at the Peterson Institute for International Economics, said, of social audits within the seafood industry, “The basic stance appears to be ‘See no evil.’ ” Skepticism of such audits is growing. In 2021, the U.S. State Department said that social audits in China are generally inadequate for identifying forced labor, in part because auditors rely on government translators and rarely speak directly to workers. Auditors can be reluctant to anger the companies that have hired them, and workers face reprisals for reporting abuses. This past November, U.S. Customs and Border Protection advised American companies that a credible assessment would require an “unannounced independent, third-party audit” and “interviews completed in native language.” Liana Foxvog, who works at a nonprofit called the Worker Rights Consortium, argues that assessments should involve other checks too, including off-site worker interviews. But she noted that most audits in China fall short even of C.B.P.’s standards.

Joshua Stanton, an attorney based in Washington, D.C., who helped draft the American law that banned goods produced with North Korean labor, argues that the government is not doing enough to enforce it. “The U.S. government will need to put more pressure on American companies, and those companies need to be more diligent about their suppliers and their supply chains, or face stricter sanctions,” he said. Chris Smith, a Republican congressman from New Jersey and a specialist on China, noted that social audits “create a Potemkin village.” He added, “The consequence is that millions of dollars, even federal dollars, are going to Chinese plants using North Korean workers, and that money then goes right into the hands of Kim Jong Un’s regime, which uses the money to arm our adversaries and repress its own people.”

Late last year, when I set out to contact North Koreans who had been sent to China, I ran into significant obstacles. Western journalists are barred from entering North Korea, and citizens of the country are strictly prohibited from talking freely to reporters. I hired a team of investigators in South Korea who employ contacts in North Korea to get information out of the country for local and Western news outlets—for example, about food shortages, power outages, or the rise of anti-government graffiti. The investigators compiled a list of two dozen North Koreans who had been dispatched to a half-dozen different Chinese factories, most of whom had since returned home. The investigators’ contacts then met with these workers in secret, one-on-one, so that the workers wouldn’t know one another’s identity. The meetings usually occurred in open fields, or on the street, where it’s harder for security agents to conduct surveillance.

The workers were told that their responses would be shared publicly by an American journalism outlet. They faced considerable risk speaking out; experts told me that, if they were caught, they could be executed, and their families put in prison camps. But they agreed to talk because they believe that it is important for the rest of the world to know what happens to workers who are sent to China. The North Korean contacts transcribed their answers by hand, and then took photos of the completed questionnaires and sent them, using encrypted phones, to the investigators, who sent them to me. North Koreans who are still in China were interviewed in a similar fashion. Because of these layers of protection, it is, of course, impossible to fully verify the content of the interviews. But the responses were reviewed by experts to make sure that they are consistent with what is broadly known about the work-transfer program, and in line with interviews given by North Korean defectors. (Recently, the investigators checked in on the interviewers and interviewees, and everyone was safe.)

In their answers, the workers described crushing loneliness. The work was arduous, the factories smelled, and violence was common. “They kicked us and treated us as subhuman,” the worker who processed clams in Dandong said. Asked if they could recount any happy moments, most said that there had been none. A few said that they felt relieved when they returned home and got some of their pay. “I was happy when the money wasn’t all taken out,” the woman who did product transport in Dalian said. One woman said that her experience at a Chinese plant made her feel like she “wanted to die.” Another said that she often felt tired and upset while she was working, but kept those thoughts to herself to avoid reprisals. “It was lonely,” she said. “I hated the military-like communal life.”

The most striking pattern was the women’s description of sexual abuse. Of twenty workers, seventeen said that they had been sexually assaulted by their North Korean managers. They described a range of tactics used to coerce them into having sex. Some managers pretended to wipe something from their uniforms, only to grope them. Some called them into their offices as if there were an emergency, then demanded sex. Others asked them to serve alcohol at a weekend party, then assaulted them there. “When they drank, they touched my body everywhere like playing with toys,” a woman said. The woman who did product transport in Dalian said, “When they suddenly put their mouths to mine, I wanted to throw up.” If the women didn’t comply, the managers could become violent. The worker who was at Haiqing for more than four years said, of her manager, “When he doesn’t get his way sexually, he gets angry and kicks me. . . . He calls me a ‘fucking bitch.’ ” Three of the women said that their managers had forced workers into prostitution. “Whenever they can, they flirt with us to the point of nausea and force us to have sex for money, and it’s even worse if you’re pretty,” another worker at Haiqing said. The worker from Jinhui noted, “Even when there was no work during the pandemic, the state demanded foreign-currency funds out of loyalty, so managers forced workers to sell their bodies.” The worker who spent more than four years at Haiqing said, of the managers, “They forced virgin workers into prostitution, claiming that they had to meet state-set quotas.”

The pandemic made life more difficult for many of the women. When China closed its borders, some found themselves trapped far from home. Often, their workplaces shut down, and they lost their incomes. North Korean workers sometimes pay bribes to government officials to secure posts in China, and, during the pandemic, many borrowed these funds from loan sharks. The loans, typically between two and three thousand dollars, came with high interest rates. Because of work stoppages in China, North Korean workers were unable to pay back their loans, and loan sharks sent thugs to their relatives’ homes to intimidate them. Some of their families had to sell their houses to settle the debts. In 2023, according to Radio Free Asia, two North Korean women at textile plants killed themselves. The worker who told me that she wanted to die said that such deaths are often kept hidden. “If someone dies from suicide, then the manager is responsible, so they keep it under wraps to keep it from being leaked to other workers or Chinese people,” she said.

This past year, pandemic restrictions were lifted, and the border between China and North Korea reopened. In August, some three hundred North Korean workers boarded ten buses in Dandong to go back home. Police officers lined up around the buses to prevent defections. In photos and a video of the event, some of the women can be seen hurriedly preparing to load large suitcases onto a neon-green bus, then riding away across the Friendship Bridge. In September, another three hundred boarded a passenger train to Sinuiju, and two hundred were repatriated by plane. Workers who return face intense questioning by officials. “They asked about every single thing that happened every day from morning to evening in China, about other workers, supervisors, and agents,” the worker who processed clams in Dandong explained. As 2023 ended, the North Korean government began planning to dispatch its next wave of workers. In the past couple of years, according to reporting by Hyemin Son, a North Korean defector who works for Radio Free Asia, labor brokers have requested that Chinese companies pay a large advance; they were being asked to pay ahead of time, one broker told her, because “Chinese companies cannot operate without North Korean manpower.”

Some North Korean workers have yet to go home. One woman said that she has spent the past several years gutting fish at a processing plant in Dalian. She described working late into the night and getting sores in her mouth from stress and exhaustion. In the questionnaire, I had asked about the worst part of her job, and she said, “When I am forced to have sex.” She also described a sense of imprisonment that felt suffocating. “If you show even the slightest attitude, they will treat you like an insect,” she said. “Living a life where we can’t see the outside world as we please is so difficult that it’s killing us.” ♦

[pocket-deer-boy]

I've been wanting to learn to animate for a while, but I have no idea how to get started; do you have any advice?

This is really tough cause i’m going to be fucking honest. It is hard to get into animation without either paying for expensive tools that will save you a ton of time, space, and effort, or without sacrificing a lot of desk space to some cheapskate camera setup. And that's not even getting into how many different types of animation you could get into. I'm assuming here you mean hand-drawn 2D animation simply because that's the stuff I do. I also don't really know exactly what you're asking. Do you want to know what kind of tools to use, or do you want to know about techniques? I'm going to assume the former because there's tons of online tutorials for the ladder.

If you're trying to save money i would still recommend physical media first. There's a lot of tools you can use.

If you strictly want to get into 2D animation, get yourself a peg bar. There's other ways to keep all your paper sheets in place frame by frame, but this is an effective one for moving a lot of paper around. Don't worry too much about drawing tools, any old pencil, eraser and printer paper will do. Be gentile with the eraser and be okay with messing up your sketches.

For recording your animation, I'm assuming you have either a phone or better yet have access to some kind of digital camera. God help you with building a camera setup here, this may require trial and error. This could be your next big expense, you can use tripods and point them at a desk or god forbid the floor for example.

Once you've got everything you need for your process: make a 12 frame loop animation on 2's. Put all your sheets on the peg bar, number your sheets from 1 to 12, and plan out your animation. Don't be afraid to keep it rough, this is just a little test of skill and of your setup. Once you've got all 12 frames finished, line up all your sheets on the peg bar and take them to your recording booth. Use something to stabilize the peg bar, tape can work in a pinch, and record your animation frame by frame. Transfer the photos from either your phone or your digital camera, line all the frames up in whatever free video editing software you pirated got, and voila! You've made a hand-drawn paper animation! This means you're braver than me. Godspeed little baby animator, and take care of your hands.

If you have access to a camera and a tripod, you can also try your hands at all sorts of stop-motion animation.

If you specifically wanted to get into digital animation, you're going to have to prepare to spend ludicrous amounts of cash on digital equipment. Computers aren't cheap, tablets aren't the cheapest, and the software itself is pricey. Animation is not exactly cheap.

[24blognewspress]

Aglobaltrade Review

Is Aglobaltrade Legit? After taking a look at their website, it shows that they do not fall under any regulating agency. That is a MAJOR RED FLAG!! That should be enough for you NOT to invest with them. And they also work with websites that offer “Automated trading software” which is another red flag, as this kind of websites are infamous for scamming schemes.

So, Aglobaltrade is just another unregulated forex broker, which means the customers aren’t protected, and there is highly likely they will get away with your hard-earned money and there will be no regulating agency to hold them responsible.

How does the scam work? Usually, unregulated forex brokers work in the following way. They will call people to persuade them to make the initial minimum deposit. And they will try any conceivable method in order to make that happen. They will offer deals that sound too good to be true. Like we will double your initial deposit or you will make hundreds of dollars per day easily. Please don’t fall for anything they say!!! It is a SCAM! After making the initial deposit, they transfer clients to a smarter scammer, called a “retention agent”, who will try to get more money out of you. Also, one thing we need to add here is: don’t trust the good Aglobaltrade reviews you might see online. They pay websites and services to improve their online reputation by posting good reviews about them.

Withdrawing funds You should submit a withdrawal request ASAP, because your funds are never safe with an unregulated broker. And here is when things get tricky.

If you want to withdraw your money and it does not matter if you have profits or not, they will delay the withdrawing process for months. If they delay it for six months, you won’t be able to file a chargeback anymore and your money is gone for good. It doesn’t matter how often you remind them or insist in withdrawing your money, you will NOT get them back. And if you signed the Managed Account Agreement or MAA, which is basically authorizing them to do anything they want on your account, they will lose all your funds so there won’t be anything to request anymore.

How to get your money back Aglobaltrade? If you already deposited your money with them and they refuse to give your money back, which is very likely to happen, don’t worry, it might be a way or two to get your money back. First of all, you need to keep the emails as proof that you have been requesting the money back from them but they don’t give it to you. Or they delay the process for too long, with the intention of not refunding your money.

The first thing you should do is perform a chargeback! And you should do this right away! Contact your bank or credit card provider and explain how they deceived you into depositing money for a non-regulated trading company. Mention also that they refuse to give your money back. This is the simplest way of getting your money back and is also the way that hurts them the most. Because if there are many chargebacks performed, it will destroy their relation with the payment service providers. If you haven’t done this before or you are not sure where to start or how to present your case to your bank or credit card company, we can assist you in preparing your chargeback case. Just contact imwennifer@gmail.com but don’t let your broker know they you read this article or that you are contacting us.

What about wires? If you sent them a wire, there is no way to perform a chargeback on a wire. For this step you need to raise the fight to a different level. Tell them you will go to the authorities and file a complaint against them. That will get them to rethink the refund possibility. Another thing you can do is prepare a letter or email for the regulating agencies. Depending on where you live, you can search google to find the regulatory agency for Forex brokers in your country. After that you can prepare a letter or an email describing how they deceived you. Make sure you show this letter or email to them, and tell them you will send it to the regulating agency if they don’t refund your money. If you don’t know where to start, reach us at imwennifer@gmail.com and we’ll help you with this step as well.

Make sure you leave Aglobaltrade reviews in other sites Another way to hurt them and save other people from falling victims is to leave bad reviews on other sites. See what other sites have posted reviews about Aglobaltrade, and describe shortly what happened. If you fallen victim, please leave a review and a comment on this site at the comment section. Also, when these people change their website, they tend to call the old clients. So, if they call you from a new website, mention it in the comment or let us know about it. That would be really appreciated by us by our users. Also, if you get phone calls from other companies, please put the name of these companies also in the comment. Or you can send them to us and we will expose them too.

Aglobaltrade Review Conclusions Making the Aglobaltrade review was our pleasure, and we hope to save as many people from losing their hard-earned money. A good rule of thumb is to carefully review all the Forex companies and any other company for that matter, before you perform any transaction. We hope that our Aglobaltrade review has been helpful to you. If you have any questions or you need an advice about the withdrawing process, feel free to contact us at imwennifer@gmail.com If you like to trade, please do it with a trustworthy, regulated broker, by choosing one of the brokers listed below.

[feline17ff]

Info copied from linked page :)

WHAT’S GOING ON?

In Fall 2021, the US Congress passed the Infrastructure Investment and Jobs Act (IIJA) amidst significant backlash from the public. The package contained some deeply misguided provisions addressing cryptocurrency that threatened software developers trying to create alternatives to Big Banks and Big Tech. We led much of the opposition through our viral campaign at dontkillcrypto.com and now we’re ready to fight its implementation. Almost two years later on August 29, the US Treasury Department and the Internal Revenue Service (IRS) published their proposed regulations on the sale and exchange of digital assets by brokers as part of their implementation of the IIJA. This rulemaking will define a “digital asset” and who qualifies as a “broker” under the tax code. We have until November 14 to submit comments so we created this page so that individuals can make their voices heard.

What exactly is the new rule being proposed?

The Treasury and IRS want to make a new rule that makes anyone “responsible for regularly providing any service effectuating transfers of digital assets on behalf of another person” a broker. This move would require anyone deemed a broker to collect, keep and report personally-identifiable information from their users (including names, addresses and other financial information via tax forms to the IRS). This makes a lot of sense in the traditional financial (TradFi) world but gets very difficult to implement with decentralized finance (DeFi). It would force DeFi developers who don’t need or want to collect information on their users to do so, thus facilitating government financial surveillance and threatening privacy and anonymity online. Compliance with this rule and its reporting requirements would be impossible. It would essentially be forcing a central point of control where none exists. This could have catastrophic consequences for the decentralized use of digital assets by forcing centralization, creating intermediaries and rendering decentralized technology virtually impossible to access or develop in the U.S.

What are the concerns for the everyday user?

Financial data reveals some of our most sensitive personal information, including our personal interests, the causes we support, and our plans for the future. The agencies’ total failure to consider our privacy rights is outrageous given that this rule would dramatically expand the financial surveillance dragnet.

There is no reason for any of us to believe that these agencies can securely store such a massive collection of sensitive information on millions of people. In 2022, the IRS mistakenly made private information about 120,000 taxpayers publicly available and the Treasury has been hacked in the recent past. Collecting unnecessary information serves no other purpose than to put users at further risk that neither agency can protect them from.

In addition, the Fourth Amendment makes it unconstitutional for the government to force individuals or businesses to collect and report the personal information of others if they (a) don’t already collect that information as part of their business, (b) have no reason to collect that information apart from the government demand, and (c) if the information is not already voluntarily provided. The IRS and Treasury should at the very least, take this opportunity to do the right thing—interpret the statute narrowly and revise this policy accordingly by taking out the requirement for developers to stalk and surveil users of their technologies.

Will this new rule stop tax evasion, money laundering and other serious crimes?

In short, no. People who are operating illegal schemes can continue to use other means. This will not be a miracle fix for problems that exist within traditional finance. Instead, it will cause more issues than it attempts to solve. Similar rules at traditional financial institutions have backfired, allowing these crimes to flourish at some of the world’s biggest, most heavily-regulated banks. If it hasn’t worked before, why would it work now? This rule will effectively impose financial surveillance on people who are participating in the crypto-economy for legitimate purposes, while having little-to-no impact on bad actors.

So, how do I send my comments to the IRS and Treasury?

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Commenters are strongly encouraged to submit public comments electronically. We built this tool to make it easy for everyone to send a comment on this rulemaking. You can use the form above to let the IRS and Treasury know what you think of this new policy. It is very important to add personal stories and insights to really make an impact. You can also submit electronic submissions directly via the Federal eRulemaking Portal at www.regulations.gov, indicate IRS and REG–122793–19 and follow the online instructions for submitting comments. The Treasury Department and the IRS will publish any comments submitted electronically or on paper to the public docket. Once submitted, comments are public and cannot be edited or withdrawn. If necessary, you can also follow the instructions on the page for how to send paper submissions. Written or electronic comments must be received by November 14, 2023.

[hbstechnology]

 The money transfer applications built with online money transfer software significantly benefit the users. The application is made for all: such as:

Parents who urgently need to transfer rent money to their kid studying abroad, a daughter who wants to send money to her ailing parents back home, a foreign traveller who wants to reserve his vacation accommodations in advance, a businessman who has to reserve lodging... They can all send money using an app for money transfers.

[posttexasstressdisorder]

Hello there!

Unfortunately, there are some bad news for you. Around several months ago I have obtained access to your devices that you were using to browse internet. Subsequently, I have proceeded with tracking down internet activities of yours.

Below, is the sequence of past events: In the past, I have bought access from hackers to numerous email accounts (today, that is a very straightforward task that can be done online). Clearly, I have effortlessly logged in to email account of yours.

A week after that, I have managed to install Trojan virus to Operating Systems of all your devices that are used for email access. Actually, that was quite simple (because you were clicking the links in inbox emails). All smart things are quite straightforward. -_-

The software of mine allows me to access to all controllers in your devices, such as video camera, microphone and keyboard. I have managed to download all your personal data, as well as web browsing history and photos to my servers. I can access all messengers of yours, as well as emails, social networks, contacts list and even chat history. My virus unceasingly refreshes its signatures (since it is driver-based), and hereby stays invisible for your antivirus.

So, by now you should already understand the reason why I remained unnoticed until this very moment...

While collecting your information, I have found out that you are also a huge fan of websites for adults. You truly enjoy checking out porn websites and watching dirty videos, while having a lot of kinky fun. I have recorded several kinky scenes of yours and montaged some videos, where you reach orgasms while passionately masturbating.

If you still doubt my serious intentions, it only takes couple mouse clicks to share your videos with your friends, relatives and even colleagues. It is also not a problem for me to allow those vids for access of public as well. I truly believe, you would not want this to occur, understanding how special are the videos you love watching, (you are clearly aware of that) all that stuff can result in a real disaster for you.

Let's resolve it like this: All you need is $950 USD transfer to my account (bitcoin equivalent based on exchange rate during your transfer), and after the transaction is successful, I will proceed to delete all that kinky stuff without delay. Afterwards, we can pretend that we have never met before. In addition, I assure you that all the harmful software will be deleted from all your devices. Be sure, I keep my promises.

That is quite a fair deal with a low price, bearing in mind that I have spent a lot of effort to go through your profile and traffic for a long period. If you are unaware how to buy and send bitcoins - it can be easily fixed by searching all related information online.

Below is bitcoin wallet of mine: 15mSqySLsJ8MZqNQ7RfXiq54HGyt7uh3Cn

You are given not more than 48 hours after you have opened this email (2 days to be precise).

Below is the list of actions that you should not attempt doing: Do not attempt to reply my email (the email in your inbox was created by me together with return address). Do not attempt to call police or any other security services. Moreover, don't even think to share this with friends of yours. Once I find that out (make no doubt about it, I can do that effortlessly, bearing in mind that I have full control over all your systems) - the video of yours will become available to public immediately. Do not attempt to search for me - there is completely no point in that. All cryptocurrency transactions remain anonymous at all times. Do not attempt reinstalling the OS on devices of yours or get rid of them. It is meaningless too, because all your videos are already available at remote servers. Below is the list of things you don't need to be concerned about: That I will not receive the money you transferred. - Don't you worry, I can still track it, after the transaction is successfully completed, because I still monitor all your activities (trojan virus of mine includes a remote-control option, just like TeamViewer). That I still will make your videos available to public after your money transfer is complete. - Believe me, it is meaningless for me to keep on making your life complicated. If I indeed wanted to make it happen, it would happen long time ago!

Everything will be carried out based on fairness!

Before I forget...moving forward try not to get involved in this kind of situations anymore! An advice from me - regularly change all the passwords to your accounts.

I needed a good laugh today.

[ifmfincoachinfo]

Digital Payments In Today’s World

Since the time of the stone age, we have witnessed several changes in all aspects of life forms. The oldest form of commerce, the barter system involved the exchange of goods and services between two or more parties without the use of money.

Later, the currency system emerged where the elites of Lydia and Ionia used stamped silver and gold coins to pay armies.

The Evolution of Money - Barter to Cryptocurrency

Throughout the years, like all life forms, economics and payments have seen a drastic change. From the barter system to the currency system, humankind has successfully adapted innovative technologies.

Today, we are witnessing the era of digital payments. The current payment methods are already a key indicator of our progress. They are powered by cutting-edge technology and boast our current technological advancements. 

In fact, a number of countries like Sweden, Finland, the UK, China and Norway have already moved to a completely cashless society or are on their way to becoming one.

The concept of a cashless society is increasingly becoming popular. Payment methods like UPI, NEFT, Point-of-Sales terminals, and mobile wallets are preferred as they are single-click authentication. 

Digital Payments in India

India has shown the world that they are a real-time digital payment by almost 40 per cent of all transactions. As a matter of fact, Prime Minister Narendra Modi praised UPI - Unified Payment Interface and the fintech sector on the occasion of Independence day. 

According to the latest data, India’s digital payment market is expected to rise more than triple to $10 trillion by 2026. At the same time, digital payment methods including UPI transfers and credit card transactions will likely reach saturation point in India by FY27.

However, the cash flow will still be used. Such a transformation of the financial landscape will definitely observe intense involvement for business, society and government. 

Having said that, let's have a look at the benefits and drawbacks of digital payments to understand why countries need to be even more adaptive to such payments soon.

Benefits

Digital payments provide better transparency in the transactions, which reduces the instances of money laundering & theft.

Extremely easy to track all the payments you make accurately and in real-time.

Digital payments can massively reduce the time and cost used to handle & store physical currency. 

Faster transactions, making it easier and more convenient for both the retailer & the customer.

Tradition banking transactions charge some handling fee. However, Online Transactions are usually free, making transactions less costly.

Drawbacks

A potential risk of personal & financial data breach, in case the websites don’t have high-security measures in place.

Digital Payments rely upon internet connectivity heavily. So, when the internet connectivity is not there or the servers are down, it will be challenging for people to make transactions/payments.

Instances of impulsive buying may rise since you have to swipe or click to complete the transaction without needing to check your balance.

Taking all the benefits and drawbacks into consideration, digital payments come as a boon and have made our lives much easier than before.

At the same time, online retailers have a wide variety of security tools, For example - they encrypt data on the systems, Pay Pal’s security has a second authentication factor, SSL certificates, firewalls and regular system scans.

On the consumer end, there’s an option of creating strong passwords, sign up and anti-virus software up-to-date. 

However, many still prefer to be more inclined toward traditional transaction methods. Ultimately, it all comes down to the personal preference of the person making the transaction, whether they want to go digital or stick to cash transactions only. 

The Rise of Ecommerce

For all the reasons outlined above, online transactions are safe and secure. The shift in E-Commerce also played a pivotal role in promoting the use of digital payments, If data is to be estimated, there are around more than 289 million buyers buying things online. At the same time, it is expected to grow at a rate of 9.5% per year. 

The more the use of E-commerce websites the more digital payments. Furthermore, it is also related to the strong accessibility to the internet.

Millennials are raised with internet usage and online shopping. This generation spends more money online than any other age group. Clearly, online payments are clearly the way of the future. But, the only concern that needs to be taken care of is security.

However, all cash is not the solution. So, where are we leading? Is a cashless society the future? Let’s move to the conclusion to know about the changed behaviours and alternate payment options. 

Is a cashless society the future?

Today, technological innovation has made financial transactions seamlessly possible on computers and mobile devices. Now it is taken for granted, going forward.

Clearly, caution should still be exercised. Yet experts in a post-pandemic world say that it is likely that digital payments will become increasingly popular.

At the same time, with our transactions quicker, faster and better, caution should be taken regarding vulnerable people around us.

[massempens]

CONGRATS TO US! We have received our very first FAN E-MAIL!

Hello There. The following is your very last notification.

I hacked your computer thru the Wifi device you were connecting to.

Some time back, I accessed the systems that you utilized to get online.

All of the information from your devices has been automatically replicated to my hosting space.

I have access to all your cellphone messengers, social media sites, emails, chats, and contact information.

My virus regularly changes its personal signature (driver-based), so it remains unnoticeable to anti-virus computer software. I imagine now you realize, why I stayed unseen right until this current day

Whilst collecting information with regards to you, I found that you're a huge follower of porn web sites & more.

You really love to stop by adult web sites and view kinky vids whilst getting an ejaculation.

I have already created a web cam capturing videos of you wanking off. The editing of the videos you were viewing at the time & your masturbation. Your own face is distinctly seeable. I do not believe this particular content would be great for your status. I can certainly send this footage to everyone who know your identity.

I also have no challenge with rendering all of your confidential information open public via the internet. I'm sure you realize what I'm talking about.

It could be a true failure for you personally.

I can wreck your daily life for a long time. I suspect you definitely don't want this to occur.

Why don't we fix it this way: you transfer me 1300 $ (dollars) thru Bitcoin equivalent at the moment of financial transaction), and I will immediately remove all your info from my web servers. Following that, we will forget about each other.

My btc wallet address for transfering:

[removed By Poster]

If you do not know how to transfer money and what exactly Bitcoin is. Then type in the Google "purchase bitcoin".

I provide you with three days to send me the money.

The time launched monitoring instantly once you opened the letter. I will get a notification the minute this email is opened.

Don't try and search for help, as the payment address can't be monitored, address the letter is coming from and can't be tracked either and created automatically, so there's no reason for writing to me. Do not attempt to get in touch with the authorities & other protection solutions, and if you do, your personal information will be posted.

Switching passwords in social media sites, e-mail, and devices won't help you, as all the information is already saved to my web servers.

Good luck and do not do something stupid. Give thought to your forthcoming future.

[vitelglobalindia]

The future of cloud PBX providers!

The major roles that contribute to the success and triumph of business communications are "VOIP service providers or Cloud PBX providers." Almost all types of businesses, from small to large, are replacing their old phone systems with modernized ones. Recent surveys and research studies are proving that future communications are ruled by internet telephony services and their providers.

What is CLOUD PBX?

A company phone system that is housed on servers in distant data centers and is operated online is referred to as a "cloud PBX." This indicates that VoIP technology is used by these phone systems to place and receive calls. It is often known as a virtual PBX or hosted PBX, which is an exchange system that is created, built, and hosted in the cloud which is controlled by a third-party service provider and which is accessed over the Internet. 

Not from the beginning, but from the past few years, many businesses including some of the large scale ones are switching to cloud PBX. It was previously considered as a con of this hosted PBX regarding data security. But gradually with enhancements done, this is essential to understand that security of cloud PBX will be transferred to the companies that are experts in the field.

Cost Savings of Cloud/Hosted PBX:

Investment is of top priority for any business organization. It has to be calculated twice along with the assessment of the resources as well as the requirements before investing. And, that is a move of wit. Once data security has been promised by the PBX service providers, users started to use it due to the cost saving primarily with respect to the space to be allotted and hardware.

However, hosted PBX saves maintenance cost and the cost of a dedicated tech team to maintain it. The above mentioned factors would save a lump sum in the long run. Besides, integration with other new installations and accessibility increases. 

Reasons why these services are referred to as future technology:

Get the services within your budget:

The budget that must be allocated for the purchase of the software or hardware equipment is the first worrying factor that any firm takes into account but this technology is undoubtedly very affordable. Depending upon the company’s requirements get the communication infrastructure and subscriptions.

Flexible

Yes, very flexible and comfortable as one can keep working on the device that is connected to the internet and your service provider even when the individual or team is out of the desk. Cloud PBX solutions erase the geographical limitations to your team if some of them are interested in working remotely.

Features

VoIP dominates every other telecommunication system with absolute free calling and advanced features. For example, when it comes to internal communication of a business team, audio and video calls conferences could be conducted with premium call quality. An important asset that has to be addressed is that Cloud calling provides 99.99% uptime leading to an uninterrupted network.

The most important factor that encouraged firms to replace the legacy systems is the features incorporated with the VOIP phones few among them are:

Ring teams

Unlimited phone calls

Call waiting

Voicemail to email

Online meetings

Using text messages

Automatic attendant

Branch office support

Call forwarding

Pause the music

Billing

DND

Allows customization: 

As already discussed, one more good reason for shifting towards the internet telephone is it allows the companies to do their customizations depending upon the firms’ requirements. It is pretty scalable if you want new lines. You can get any number of lines without spending on additional hardware or installation charges. All you need to do is to pay for more bandwidth and the service provider will guide you with the process.

Integrations and multiple storages: 

Of course! VoIP can be integrated with any new software easily with no complications. This feature would help you in saving money and time.

You can easily combine cloud data with information already present in company systems, such as CRM integration. You can also integrate with sales applications and the service provider handles data redundancy by keeping identical data on servers located in various locations. Thus, it confirms that this technology is easy to set up and operate.

All processes are automated:

VoIP eliminates the need for manual help by automatically creating reports, billing, and other services reducing the manual effort in the firms.

Customer service:

The VoIP services effectively implement round-the-clock customer support services, increasing business efficiency hence proving that this modernized technology attracts more clients and helps small businesses particularly.

Conclusion: 

Installing a cloud PBX system from a reputable service provider is the major step that needs to be taken by businesses, one such firm providing an adaptive environment through their products and services is VITEL GLOBAL COMMUNICATIONS, so don’t delay in searching for the best provider as we are one of the leading Cloud PBX providers focusing and developing your business communications. For more information, visit www.vitelglobal.in

[crypto101bylauriesuarez]

Are you new to Crypto

Are you new to Crypto? Here is how to start !! 

Cryptocurrencies have taken the world by storm, and it's not surprising that many people are now interested in investing in them. However, for someone new to the world of crypto, the idea of buying and selling digital assets can be intimidating. In this article, we'll provide a beginner's guide on how to get started with cryptocurrencies.

Step 1: Research

Before investing in cryptocurrencies, it's important to do your research. Cryptocurrencies are highly volatile and complex, so you need to understand the risks involved. Start by learning the basics of blockchain technology, which is the underlying technology that powers cryptocurrencies. You can find plenty of resources online, including videos, articles, and books, that can help you learn about these topics.

Step 2: Choose a cryptocurrency exchange

Once you have a good understanding of cryptocurrencies, it's time to choose an exchange. There are many exchanges available, and it's important to choose one that's reputable and secure. Look for an exchange that has a high level of security, offers a wide range of cryptocurrencies, and has a user-friendly interface. Some popular exchanges include Coinbase, Binance, and Kraken.

Step 3: Create an account and verify your identity

Once you've chosen an exchange, create an account and verify your identity. Most exchanges require you to provide personal information, such as your name, address, and ID. This is to comply with anti-money laundering (AML) and know your customer (KYC) regulations. It's important to note that the verification process can take some time, so be patient.

Step 4: Fund your account

After your account is verified, you can fund it with fiat currency or cryptocurrencies. Most exchanges accept bank transfers, debit/credit cards, and some even accept PayPal. Choose the payment method that's most convenient for you and follow the instructions provided by the exchange.

Step 5: Buy your first cryptocurrency

With your account funded, you can now buy your first cryptocurrency. Choose the cryptocurrency you want to buy and the amount you want to spend. Most exchanges will show you the current price of the cryptocurrency you're buying, as well as any fees associated with the transaction. Once you're ready, click the "buy" button and confirm the transaction.

Step 6: Store your cryptocurrency

After buying your cryptocurrency, it's important to store it in a secure wallet. A wallet is a software program that allows you to store, send, and receive cryptocurrencies. There are two types of wallets: hot wallets and cold wallets. Hot wallets are connected to the internet and are convenient for frequent trading, while cold wallets are offline and more secure for long-term storage. Some popular wallets include Ledger, Trezor, and MetaMask.

In conclusion, investing in cryptocurrencies can be a rewarding experience, but it's important to take the time to do your research and understand the risks involved. Choose a reputable exchange, fund your account, buy your first cryptocurrency, and store it in a secure wallet. With these steps, you'll be well on your way to becoming a successful crypto investor.

#crypto

#lauriesuarez

#lauriesuarez.com

#crypto101bylauriesuarez.com