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Card payments for small businesses. See the advantages and disadvantages of your business accepting debit and credit card payments and find out about terminals, acquirers, merchant service agreements and charges, and more. It can affect everything from the day-to-day running of your business to the profit generated. Before making the decision, it s important to weigh up the advantages and disadvantages of card payments over the traditional cash and cheque methods.
Consider what it could do for your business not just now, but also to help it to grow in the future. Advantages of accepting card payments. Easier for the customer. Customers may assume that they re able to pay by card for products from your business and, if the option isn t available, it could prevent them from purchasing. Research from Barclaycard suggests that more than one in six customers will walk away from a purchase if they re not able to pay on a card.
Potential increase in profits. If customers can pay by card you may see a rise in profits as a direct result, because offering different payment options can help tap into a whole new section of the market. Accepting card payments may make your business appear more professional, which could give potential customers more confidence when deciding whether to purchase from you. Less cash on the premises.
Give your business more credibility. If your competitors are still solely using cash and cheque payment methods, introducing card payments could help set you apart. For small businesses, the decision on whether or not to accept card payments is an important one. For small businesses such as shops and cafes, taking card payments means that you won t have to keep so much cash on site or have to deposit large amounts at the bank. Internet and phone payments.
This helps keep your takings secure. Debit and credit cards can also be used to pay over the phone or internet which can help to build up business further afield. You ll also be able to take payments outside normal business hours. American Express will charge a different commission rate to Visa and or MasterCard. Detailed statements. You ll be provided with a comprehensive statement of the payments made by card which can help you identify your customer s spending habits and peak transaction times.
This type of information could help you to adapt your marketing plans to suit your customers needs. Competitive advantage. Accepting card payments is not just for face-to-face transactions. Or, if your competitors already accept card payments, it can help to put your business on a level playing field. Autumn Statement 2014. From January 2015 the majority of acquirers will offer a new service for small businesses to receive the funds from debit and credit card transactions much more quickly.
Two acquirers will not meet this commitment, and the government will ask the Payment Systems Regulator PSR to examine whether small businesses are being disadvantaged as a result. Receive funds quickly. Although it isn t as immediate as being paid in cash, since January 2015 it has been possible for small businesses to receive funds from all debit or credit card transactions quicker, meaning they have access to their takings faster than ever before.
Make sure your acquirer offers this facility. To accept card payments you ll first have to set up an account with an acquirer, which is a bank or other financial institution that provides payment terminals and processes card transactions for you. Acquirers charge for this service. The amount you ll have to pay the acquirer for transactions is called the merchant service charge MSC.
The MSC will depend on the types of transactions that your business will use for example, face to face, over the phone or online and can be negotiated with the acquirer. Different card providers may also levy different charges. American Express, for example, will charge a different commission rate to Visa and or MasterCard. You might want to pass charges on to your customer in the form of percentage sale fees when they pay by debit or credit card.
However, this may negatively affect your business and discourage customers from making a purchase, so you need to weigh up whether it might be better to absorb the MSC costs yourself. Also, be aware that you ll probably be charged a one-off start-up fee when you open a new account. It s important to find the right acquirer based on what they offer, the amount they charge and how they ll benefit your business.
Card-not-present transactions. These are classed as any payments processed not on the premises, so usually for purchases made over the phone or online. As chip-and-pin is not used to verify the payment, extra steps have to be introduced to verify the identity of the cardholder, for example a secure payment page for online payments. May not be cost effective. Although accepting card payments may have advantages, consider whether it s the right choice for your business.
If it s not a necessity for your customers and does not affect your sales, it may be more cost effective to only accept cash and cheques. Finding an acquirer. Before your customers are able to pay by card you ll need to choose an acquirer to process the payments. They also move the money to your business account after the payment has been processed. Merchant service agreement. It s important to find the right acquirer for your company based on what they offer, the amount they charge and how they ll benefit your business.
Acquirers will make sure that your systems and any acquirer-owned terminals are up to date with changes affecting card schemes. The acquirer will require you to sign a merchant service agreement MSA which contains the terms and conditions of the contract you ll be entering into. Business credit cards Business loans Business bank accounts Contactless payments How online card payments work How to build a business website. This may include the card types the acquirer will accept, charges and the payment process.
Card terminals. The card terminal you should use will depend on the type of card payments that you intend to take. Most small shops and restaurants will generally use a counter-top chip-and-pin terminal. Either your acquirer will provide you with a terminal for taking card payments, which comes with a rental charge, or you may be able to use your own terminal.
Check the options with your acquirer. For more information on the different options available and terminal security guidelines, visit the UK card association. By Abbie Laughton-Coles. Credit card guides Credit cards Business broadband Business insurance Peer-to-peer lending. Compare credit cards. Compare the latest deals, apply online. Business broadband. 1 In a survey of 2,020 consumers commissioned on behalf of Barclaycard in February 2014, 18 said they had left a store in the last six months because the store did not take card payments.
Dec 2, 2011 8 18 AM. A free app to detect Carrier IQ, a controversial piece of software installed on smartphones without their owners knowledge, was made available at the Android Market Friday. Voodoo Carrier IQ Detector, while not completely finished and not 100 percent accurate, is still pulling in high ratings 4. 8 out of 5 by 254 users.
The app was written by computer forensics specialist Francois Simond in about four hours. Simond created the app in response to alarming allegations by a researcher that a program, Carrier IQ, pre-installed on an estimated 140 to 150 million smartphones worldwide was, without the knowledge of the phones owners, logging Web browsing and keystroke information. Removing the program is more complicated. The researcher who discovered Carrier IQ s suspicious activity, Trevor Eckhart, has an app, Logging Test App, that will do the job, but it requires rooting Android, which can get complicated for the average user.
It also requires the purchase of a key for 1 to get the app working. Eckhart s allegations about Carrier IQ have been rebuffed by the company that makes the software. It maintains that the program doesn t log keystrokes nor does it gather intelligence on a phone s owner. Meanwhile, two smartphone makers on which Eckert found Carrier IQ installed, HTC and Research In Motion, deny any association with the software and are blaming the carriers as the culprits in the matter.
One carrier, Verizon, has stated that Carrier IQ isn t installed on its smartphones. Google, the custodian of Android, has remained aloof from the situation. Reportedly, Google s Android models made by Samsung, the Nexus line, do not have Carrier IQ on them. Not even Apple, with its walled ecosystem, has been able to avoid being sucked into the Carrier IQ controversy.
Although the app has been installed on iPhones, it was disabled when version 5. 0 of the company s mobile operating system, iOS, was introduced, and the software is expected to be completely removed from all iPhones when iOS is next updated. Follow freelance technology writer John P. and Today PCWorld on Twitter. Lawmaker Asks FTC to Investigate Carrier IQ. Dec 2, 2011 5 10 PM. The outcry over Carrier IQ s mobile-phone tracking software continued Friday, with a U. congressman asking the Federal Trade Commission to investigate the company.
Carrier IQ came under fire this week after a researcher published a report showing that its software can be used to collect data about end users, such as their location, the keys they press on their phone and the applications they re running. Carrier IQ says its software delivers data to operators to help improve their services, and denies collecting personal information about users. On Friday, Congressman Edward Markey, a Democrat from Massachusetts, sent a letter to the FTC asking it to investigate Carrier IQ.
I have serious concerns about the Carrier IQ software and whether it is secretly collecting users personal information, such as the content of text messages, he said in a statement. The FTC is charged with protecting people from unfair or deceptive acts or practices, and as such should look into Carrier IQ, he said. The FTC has not said whether it will act on the request. Carrier IQ issued a new statement Thursday insisting that it doesn t collect personal information.
However, a video posted by the security researcher, Trevor Eckhart, appears to show that the software logs keystrokes. Carrier IQ Tracking Your Questions Answered. Dec 1, 2011 6 38 AM. Many cellphone users are wondering whether their Android and BlackBerry devices are spying on them after security researcher Trevor Eckhart recently claimed that a piece of diagnostic software on the phones was acting like malware. Simond s app only detects the presence of Carrier IQ.
Carrier IQ s software is on more than 140 million handsets worldwide. Eckhart said the software, created by company Carrier IQ and installed on devices by phone manufacturers and carriers, was secretly recording user data such as keystrokes and Web browsing history. Carrier IQ denies Eckhart s allegations and says its technology is only used for diagnostic purposes to improve handset performance and network quality.
So is Carrier IQ up to no good. Is the company s software collecting more information from your handset than it should. Or is this just a big misunderstanding about what Carrier IQ s software does. Here s a breakdown of what we know. What was discovered. Can Carrier IQ software be removed. It doesn t appear to be possible to remove this software on an Android phone unless you have a rooted device.
Paul says you can stop Carrier IQ on iOS 5 devices by turning off Diagnostics and Usage in the Settings application. What is Carrier IQ. Nov 30, 2011 4 01 PM. Carrier IQ Rootkit Reportedly Logs Everything On Millions Of Phones Updated. Carrier IQ Software Logs Keystrokes, Credit Trevor Eckhart If you use an Android, BlackBerry, or Nokia smartphone then you may be at risk of being illegally wire-tapped by Carrier IQ--a provider of performance monitoring software for smartphones--according to reports.
Earlier this month, security researcher Trevor Eckhart announced that he found software made by Carrier IQ that may be logging your every move on your mobile phone. Trevor referred to it as a rootkita piece of software that hides itself while utilizing privileged access like watching your every move. Carrier IQ didn t take too kindly to this accusation, and responded aggressively with a cease-and-desist letter, and went on to deny this accusation.
In the video, Eckhart navigates to a list of running applications on his phone, and he found that the application IQRD--made by Carrier IQ--was not shown. However, to further back his accusation, Eckhart released a video that he says shows the software in action. However, when he searched all of the applications on the device, Eckhart discovered that IQRD showed up with the option to force stop it; therefore, he determined that the app must have been running. However, when he tried to stop the application, the force stop function did absolutely nothing.
After connecting his HTC device to his computer, Trevor found that IQRD is secretly logging every single button that he taps on the phone--even on the touchscreen number pad. Additionally, this application always runs when the device is started, according to his research. IQRD is also shown to be logging text messages. In the video, Eckhart shows that Carrier IQ is also logging Web searches.
Additionally, it can do this over a Wi-Fi connection with no 3G, so even if your phone service is disconnected, IQRD still logs the information. Carrier IQ Explains Itself 5 Highlights. Dec 13, 2011 7 15 AM. Mobile device and network diagnostic firm Carrier IQ early Tuesday issued a detailed report about what it is up to with your smartphone data. The company has been under fire ever since Trevor Eckhart discovered CIQ software working behind the scenes on a variety of smartphones.
Eckhart originally accused CIQ of installing malware on people s phones and monitoring users key presses, SMS messages, location data and web browsing history. Even Google s Executive Chairman Eric Schmidt recently referred to CIQ software as a keylogger. A keylogger is a type of malware that records your key presses in an attempt to discover sensitive information such as passwords. While CIQ admits that it does collect some of the data detailed by Eckhart, the company says its software is not used for malicious purposes and is not a keylogger.
Instead, any data collected by CIQ software is used to improve user experience and cellular network performance. Nevertheless, CIQ said it recently worked with Eckhart to identify some areas of concern with the company s software. Carrier IQ is a mobile diagnostic company that uses software installed on more than 150 million mobile devices worldwide. CIQ software installed on mobile devices is called the IQ Agent and collects diagnostic information about your device such as battery performance, device stability, network coverage, voice call performance, and connectivity issues.
FBI Rejects FOIA Request for Carrier IQ Info. Dec 13, 2011 5 07 AM. The FBI has denied a request for the release of information regarding its use of Carrier IQ s software, saying that releasing the information could interfere with ongoing law enforcement operations. The response does not make it clear whether the agency is using Andrew c iq option IQ for investigative purposes, or whether the documents it has, are related to an investigation of the controversial software.
The request under the Freedom of Information Act was filed Dec. CIQ says that while its software can collect a wide variety of information, it is up to the carriers to determine what kind of data is collected on any given device. 1 by Michael Morisy, co-founder of MuckRocka website that helps people file FOIA requests with the government. Morisy asked the FBI for any manuals, documents or other written material it might have related to the FBI s use of data gathered by Carrier IQ.
In response, David Hardy, the section manager of the FBI s Records Management Group said the FBI has in its possession responsive documents pertaining to Carrier IQ. However, Hardy said the FBI would not release the documents as requested because doing so would compromise ongoing investigations. The material you requested is located in an investigative file which is exempt from disclosure, Hardy wrote in his response which is posted along with the FOIA request on MuckRock. I have determined that the records responsive to your request are law enforcement records; that there is a pending or prospective law enforcement proceeding relevant to these responsive records.
Google s Schmidt Slams Carrier IQ. Dec 9, 2011 3 28 PM. Eric Schmidt Google Executive Chairman Eric Schmidt has criticized Carrier IQ, the maker of a controversial app that secretly collects personal info from smartphones, but also says that Google can t do anything andrew c iq option prevent the software from being installed on Android devices by handset makers and wireless carriers.
Schmidt revealed this in a speech at a Google-sponsored conference on Internet freedom in The Hague Thursday. Calling the software a keylogger --a label that Carrier IQ rejects--Schmidt explained that Android is an open operating system and, as such, Google cannot prevent the software from being installed on phones running the OS. Android is an open platform, which means people can make software for it that s not very good for you, Schmidt said Thursday, according to The Telegraph.
This Carrier IQ appears to be one such caseSchmidt added. The Carrier IQ app was revealed last week, after researcher Trevor Eckhart revealed that he observed the software capturing keystrokes and recording web surfing activity on his phone. The story then snowballed as it was discovered that the app exists on about 150 million phones, including BlackBerrys, HTCs, Samsung devices, and Apple devices. Apple is one of eight companies that have been named in another class-action lawsuit filed over the use of Carrier IQ software in mobile handsets.
Dec 6, 2011 7 02 AM. The lawsuit was filed last Friday in U. District Court for the District of Delaware and accuses Carrier IQ, three wireless carriers, and four handset makers of violating the Federal Wiretap Act, the Stored Electronic Communications Act, and the Federal Computer Fraud and Abuse Act. The complaint download pdf was filed on behalf of four individuals, who are described in court papers as owners of mobile handsets with Carrier IQ software on them. Those named in the lawsuit besides Apple and Carrier IQ, are AT T, Sprint, T-MobileHTC, Samsung and Motorola.
All of these companies have admitted that their handsets include Carrier IQ software. The carriers have insisted that the software is being used only for network diagnostics purposes while the handset makers have claimed that they integrated Carrier IQ in their devices only because the carriers specifically asked them to. Apple, 7 Companies Hit with Lawsuit Over Carrier IQ Software. This is at least the third publicly known lawsuit seeking class-action status that has been filed over the Carrier IQ issue since a major controversy over its software erupted late last month.
Covering this Story. JCPenney coupon 30 off with JCPenney credit card. Android developer Trevor Eckhart last week released information and started an uproar about a widespread rootkit, called Carrier IQ, that s capable of logging everything you do and comes preinstalled on a ton of smartphones-including various Androids, Nokia phones, and BlackBerrys.
Carrier IQ How the Widespread Rootkit Can Track Everything on Your Phone, and How to Remove It. Last week, 25-year old Eckhart discovered a hidden application on some mobile phones that had the ability to log anything and everything on your device from location to web searches to the content of your text messages. The program is called Carrier IQ, and unlike the Android malware that s been causing such a stir, it actually comes preinstalled by the manufacturer of your phone. In fact, you can find it on a bunch of different devices, including Android, Nokia, and BlackBerry phones.
It s what s known as a rootkit a program with massive amounts of privileges that hides its presence from the user. It was originally designed to log things like dropped calls and bad data connections for troubleshooting purposes, but manufacturers like HTC and Samsung have modified it to run in the background, completely undetectable, with no option to opt out of its services.
At best, it slows down your phone, and at worst, anyone on the other end of the application could, in theory, read your text messages, see what you search on the web, and much more. Do Android Antivirus Apps Actually Do Anything. If you ve been watching tech news headlines over the past week, you ve likely heard that Android. Worst of all, after being confronted, phone manufacturers, wireless carriers, and Carrier IQ themselves have tossed around blame, saying they aren t doing anything wrong.
Some have and their privacy policies aren t super specific on what they collect and use. Sprint claims they are unable to look at the contents of messages, photos, or videos using Carrier IQ, but Eckhart claims differently. I highly recommend reading Eckhart s article for a deeper look at how Carrier IQ works and how it s manifested itself on certain devices.
Here s how it works and how you can get rid of it. Update Our original article stated that the software also came preinstalled on iPhones and dumphones, which has not been confirmed. That information came from this article at Geeks. com, and we actually believe that to be a typo. Considering it hasn t been mentioned in any other source, and that the iPhone isn t on Eckhart s list of affected deviceswe re removing it until other sources say otherwise.
Thanks to everyone who pointed this out. Update 2 It looks like Carrier IQ does, in fact, run on iOS, but in a much more stripped down version that isn t so offensive to the privacy-conscious. Check out this blog post for more information. How to Tell If It s Running On Your Phone. Right now, Android users are the only ones able to detect and remove the program. It s also very easy to turn off. Once rooted, running the CIQ Checks task in this app on XDA will tell you whether it s running on your system.
However, depending on your phone, you may have to be rooted to do so. On HTC phones, you can also search for the app in Settings Applications as described in the video above, but using the Logging Checker app is the most reliable way to check. Everything You Need to Know About Rooting Your Android Phone. We love Android, but rooting your phone can give you the opportunity to do so much more than your.
Note also that if you re running an Android Open Source Project AOSP based ROM like CyanogenMod you do not have Carrier IQ installed on your system. These apps are based on the original, open source version of Android, and don t include any carrier or manufacturer additions like Carrier IQ. If you re using a modded version of your manufacturer s ROM, however for example, a modded HTC Sense or Samsung TouchWiz ROM you could still have it installed.
To avoid this, either flash AOSP based ROMs, or flash ROMs with Carrier IQ specifically removed many will say NOCIQ or something similar on their description pages. How to Remove It From Your Device. If you want to remove it from your device, you have two choices. Either flash a custom ROM that doesn t contain Carrier IQ as described aboveor use Eckhart s Logging Test App to remove it.
Both solutions require rooting your phone. To remove it with the Logging Test App, download the original app and then buy the 1 pro license from the Android Market. Then, open it up, hit the Menu button, and tap Remove CIQ. This will completely remove it from your device. Update Some of you are noting problems with this function of the Logging Test App, So be wary if your phone isn t one of the devices it s confirmed to work on.
As always, make a backup before you use anything with heavy root permissions. If you d rather not deal with the Logging Test App, I highly recommend flashing a custom ROM like CyanogenMod instead. How to Set Up a Fully Automated App and Settings Backup on Android. In an ideal world, your Android s apps, their settings, and your system settings would.
If you want more information on Carrier IQ, XDA Developers and a few other outlets has written a few great articles that give a bit more detail. Check out the following posts if you re curious. You can also find him on TwitterFacebookand lurking around our tips page. Make a Hot and Sweet Mustard With Three Ingredients. You can contact Whitson Gordon, the author of this post, at whitson lifehacker.
Now Is Not the Time for Mom Shaming. The Mac OS X Delete Key It Goes Both Ways. As much as this irritates me, it s kind of funny the uproar people are making when if the government so desired, they could pull your SMS MMS Call 3G logs. It s not as if those things go directly to their recipient P So in theory, regardless of how clean your phone is, anything you send to another phone, be it a text message, picture, call, etc, is not going to remain private if by private you mean impossible for anyone to obtain, like so many people seem to think.
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CFE Exam Coach. In an effort to continue to enhance the value of the CFE credential and improve the CFE Exam process, we made some updates to the CFE Exam platform on January 6, 2020. Here is what you need to know about how the technical requirements for taking the CFE Exam have changed. New Computer System Requirements. Windows 7 Service Pack 1Windows 8. 6 Snow Leopard or above. Screen resolution of 1280x1024 or greater. High-speed Internet connection minimum 2Mbps upload 2Mbps download.
You can find some affordable, reliable options here. Please also note that these requirements do not apply to the online CFE Exam Prep Course. If you have any questions or concerns about these new requirements, please reach out to the ACFE directly. We will be happy to help you figure out the best path forward and are always here to help you earn your CFE credential. 1, Windows 10, Mac OS X 10. CFE Exam platform. Share This Resource. Sign up a friend or colleague to receive the CFE Exam Coach Newsletter today.
Ask questions or make suggestions. As your dedicated CFE Coach, I am available to answer all of your questions about the CFE Exam. You may send me an email or call me at 800 245-3321 1 512 478-9000. 2020 Association of Certified Fraud Examiners, Inc. Association of Certified Fraud Examiners, ACFE, Certified Fraud Examiner, CFE and the ACFE logo are trademarks of the Association of Certified Fraud Examiners, Inc.
CFTC SEC Investor Alert Binary Options and Fraud. The Commodity Futures Trading Commission s CFTC Office of Consumer Outreach and the Securities Exchange Commission s Office of Investor Education and Advocacy are issuing this Investor Alert to warn about fraudulent schemes involving binary options and their trading platforms. Binary options differ from more conventional options in significant ways. A binary option is a type of options contract in which the payout will depend entirely on the outcome of a yes no proposition.
The yes no proposition typically relates to whether the price of a particular asset that underlies the binary option will rise above or fall below a specified amount. For example, the yes no proposition connected to the binary option might be something as straightforward as whether the stock price of XYZ company will be above 9.
Once the option holder acquires a binary option, there is no further decision for the holder to make as to whether or not to exercise the binary option because binary options exercise automatically. Unlike other types of options, a binary option does not give the holder the right to purchase or sell the underlying asset. When the binary option expires, the option holder will receive either a pre-determined amount of cash or nothing at all.
Given the all-or-nothing payout structure, binary options are sometimes referred to as all-or-nothing options or fixed-return options. Some binary options are listed on registered exchanges or traded on a designated contract market that are subject to oversight by United States regulators such as the CFTC or SEC, respectively, but this is only a portion of the binary options market. The number of Internet-based trading platforms that offer the opportunity to purchase and trade binary options has surged in recent years.
The increase in the number of these platforms has resulted in an increase in the number of complaints about fraudulent promotion schemes involving binary options trading platforms. These schemes allegedly include refusing to credit customer accounts, denying fund reimbursement, identity theft, and manipulation of software to generate losing trades. Much of the binary options market operates through Internet- based trading platforms that are not necessarily complying with applicable U.
If the outcome of the yes no proposition in this case, that the share price of XYZ Company will be above 5 per share at the specified time is satisfied and the customer is entitled to receive the promised return, the binary option is said to expire in the money. If, however, the outcome of the yes no proposition is not satisfied, the binary option is said to expire out of the money, and the customer may lose the entire deposited sum.
There are variations of binary option contracts in which a binary option that expires out of the money may entitle the customer to receive a refund of some small portion of the deposit for example, 5 but that is not typically the case. In fact, some binary options Internet-based trading platforms may overstate the average return on investment by advertising a higher average return on investment than a customer should expect given the payout structure.
For instance, in the example above, assuming a 50 50 chance of winning, the payout structure has been designed in such a way that the expected return on investment is actually negativeresulting in a net loss to the customer. In other words, in the example above, an investor could expect, on average, to lose money. The CFTC and SEC have received numerous complaints of fraud associated with websites that offer an opportunity to buy or trade binary options through Internet-based trading platforms.
The complaints fall into at least three categories refusal to credit customer accounts or reimburse funds to customers; identity theft; and andrew c iq option of software to generate losing trades. The first category of alleged fraud involves the refusal of certain Internet-based binary options trading platforms to credit customer accounts or reimburse funds after accepting customer money.
The second category of alleged fraud involves identity theft. For example, some complaints allege that certain Internet-based binary options trading platforms may be collecting customer information such as credit card and driver s license data for unspecified uses. If a binary options Internet-based trading platform requests photocopies of your credit card, driver s license, or other personal data, do not provide the information. The third category of alleged fraud involves the manipulation of the binary options trading software to generate losing trades.
Unregistered Transactions, Operations, Broker-Dealers, or Trading Exchanges; Illegal Options Transactions. Certain Registration and Regulatory Requirements of the SEC. In addition to ongoing fraudulent activity, many binary options trading platforms may be operating in violation of other applicable laws and regulations, including certain registration and regulatory requirements of the CFTC and SEC, as described below.
Under the federal securities laws, a company may not lawfully offer or sell securities unless the offer and sale have been registered with the SEC or an exemption from such registration applies. For example, some binary options may be securities. For example, if the terms of a binary option contract provide for a specified return based on the price of a company s securities, the binary option contract is a security and may not be offered or sold without registration, unless an exemption from registration is available.
If there is no registration or exemption, then the offer or sale of the binary option to you would be illegal. If any of the products offered by binary options trading platforms are security-based swaps, additional requirements will apply. In addition, some binary options trading platforms may be operating as unregistered broker-dealers.
A person who engages in the business of effecting securities transactions for the accounts of others in the U. If a binary options trading platform is offering to buy or sell securities, effecting transactions in andrew c iq option, and or receiving transaction-based compensation such as commissionsit likely should be registered with the SEC. to determine whether a particular trading platform is registered with the SEC as a broker-dealer, visit FINRA s BrokerCheck.
Some binary options trading platforms may also be operating as unregistered securities exchanges. This would be the case if they matched orders in securities of multiple buyers and sellers using established non- discretionary methods. However, there are cases where a registered broker-dealer with a trading system or platform may legitimately have no obligation to register as an exchange. It is illegal for entities to solicit, accept offers, offer to or enter into commodity options transactions for example, foreign currencies, metals such as gold and silver, and agricultural products such as wheat or corn with U.
citizens, unless those options transactions are conducted on a designated contract market, an exempt board of trade, or a bona fide foreign board of trade, or are conducted with U. Certain Registration and Regulatory Requirements of the CFTC. customers who have a net worth that exceeds 5 million. To see the most recent list of exchanges that are designated as contract markets, check the CFTC website. There currently are only three designated contract markets offering binary options in the U.
Cantor Exchange LP; Chicago Mercantile Exchange, Inc. ; and the North American Derivatives Exchange, Inc. All other entities offering binary options that are commodity options transactions are doing so illegally. Further entities that solicit or accept orders for commodity options transactions and accept, among other things, money to margin, guarantee, or secure the commodity options transactions must register as a Futures Commission Merchant.
Entities that act as the counterparty that is, they take the other side of the transaction from the customer as opposed to matching orders for foreign currency options transactions for customers with a net worth of less than 5 million must register as a Retail Foreign Exchange Dealer. Because of their lack of compliance with applicable laws, if you purchase binary options offered by persons or entities that are not registered with or subject to the oversight of a U. regulator, you may not have the full benefit of the safeguards of the federal securities and commodities laws that have been put in place to protect investors, as some safeguards and remedies are available only in the context of registered offerings.
In addition, individual investors may not be able to pursue, on their own, some remedies that are available for unregistered offerings. Remember much of the binary options market operates through Internet-based trading platforms that are not necessarily complying with applicable U. Do not invest in something that you do not understand. If you cannot explain the investment opportunity in a few words and in an understandable way, you may need to reconsider the potential investment. Registration provides investors access to key information about the terms of the product being offered.
Check to see if the binary options trading platform itself is registered as an exchange. To determine whether the platform is registered as an exchange, you can check the SEC s website regarding Exchanges. Check to see if the binary options trading platform is a designated contract market. To determine whether an entity is a designated contract market, you can check the CFTC s website. Finally, before investing, use FINRA s BrokerCheck and the National Futures Association s Background Affiliation Status Information Center BASIC to check the registration status and background of any firm or financial professional that you are considering.
Before investing in binary options, you should take the following precautions Check to see if the binary options trading platform has registered the offer and sale of the product with the SEC. SEC Investor Information CFTC Consumer Protection Information. The CFTC Office of Consumer Outreach andrew c iq option provided this information as a service to investors.
It is neither a legal interpretation nor a statement of CFTC policy. You can use EDGAR to determine whether an issuer has registered the offer and sale of a particular product with the SEC. City expands Calgary Eats program, brings pop-up markets to new locations. The city is looking to improve residents access to healthy food options amid the COVID-19 pandemic with the expansion of the Calgary Eats program.
As part of its food action plan, the city has partnered with local farms, food growers and food distributors to bring a variety of pop-up markets to new locations this year. Bringing pop-up food markets into community hubs provides Calgarians with another option for purchasing fresh cabbage, tomatoes, beets and other produce, food systems planner for the city, Kristi Peters, said.
It also provides our vendors with more opportunities to sell their produce. This year, the program has expanded to now encompass three CTrain stations and eight community hubs across the city, including Central Memorial Park and the Winston Heights Community Association Hall. The program began in 2017 and worked to bring fresh food products to select CTrain stations for Calgarians to purchase.
Officials said the expansion of the program will help benefit Calgarians who don t feel comfortable shopping at large stores during the ongoing pandemic. During the COVID-19 pandemic, it s been a challenge for some Calgarians to access affordable food, said Lourdes Juan, co-founder of Fresh Routes, who has a pop-up mobile food market as part of the program.
We have stops around the city, including Sunalta LRT Station, Murray Copot Arena and Bowness Community Association, each week. We re able to bring fresh produce to those who may have trouble accessing food for a variety of reasons. The markets also provide additional exposure for producers in the city. Being able to sell Calgarians delicious, locally grown food in their neighbourhoods has been a great opportunity for us, owner of Broxburn Farm, Paul Dejonge, said.
City officials said all market vendors are required to follow guidelines laid out by Alberta Health Services for farmers and public markets, and those visiting pop-up sites are also asked to follow social distancing protocols. For a full schedule and list of market locations, click here. Mobile Food Market enters second year with 250K in government funding Halifax s Mobile Food Market receives national recognition Mobile food market to tackle food insecurity in Toronto neighbourhoods.
As part of the program, the pop-up markets will be running every Tuesday through Saturday at select locations across the city until Oct. Students at Texas A M are encouraged to become involved in student organizations and are able to define their personal involvement experiences through individual interest areas including equine-related groups. Texas A M Equine. Horse Judging Team. The Horse Judging Team in the Department of Animal Science teaches students to evaluate horse and horse performances, and to compete in intercollegiate competitions with teams from other colleges and universities.
Since the first Texas A M team began competition in 1972, no other school has won more national championships than Texas A M, boasting 28. Horseman s Association. Texas A M Horseman s Association works to make each student member a better horseman by introducing members to new techniques of working with horses and disciplines of riding, educating members on overall equine health and exploring the different job opportunities in the equine industry. Texas A M s Horseman s Association is part of the American Collegiate Horseman s Association, with our undergraduates often serving in national leadership positions.
Parsons Mounted Cavalry. Parsons Mounted Cavalry is a dynamic, hands-on leadership laboratory. The interactions of horses and rides, travel and public appearances, horse husbandry, and facilities and equipment maintenance provide cadets with important life experiences and lessons in responsibility. After graduation from Texas A M, the students cavalry work will translate into management, leadership, self-motivation and organizational experience.
Founded in 1967, the Texas A M Polo Club assists both men and women in learning and refining the basic skills of polo to prepare them for local, regional and national competitions. The club is dedicated to introducing polo to anyone interested in learning about the Sport of Kings, to produce winning athletes, and strive to win the coveted USPA Intercollegiate National Championship.
Texas A M s Pre-Vet Society is a pre-professional student organization designed for anyone seeking a career in veterinary medicine, regardless of their major. Clubs Teams. Pre-Vet Society. The Society s main goal is to expose students to a variety of opportunities in the field of veterinary medicine and to help those students reach their goal of admission into veterinary school.
The Fighting Texas Aggie Rodeo Team is a part of the National Intercollegiate Rodeo Association in the Southern Region. It was founded in 1949. Club membership dues are 25 and a new members are admitted year round. Saddle Sirloin Club. The Saddle Sirloin Club at Texas A M University is an affiliate member of the National Block and Bridle Club and aims to promote scholastic achievement and animal agriculture. One of the oldest and largest student organizations at Texas A M, the Saddle Sirloin Club is part of the Department of Animal Science but is open to all majors.
Stock Horse Team. With emphasis always on learning and improving the student s riding and training skills, this program has become a popular and important part of the total horse teaching program at Texas A M. The Stock Horse Team in the Department of Animal Science is designed to teach students the principles of training and showing horses in stock horse competitions. Texas A M Student Chapter of the American Association of Equine Practitioners SCAAEP.
SCAAEP is the Texas A M Student Chapter of the American Association of Equine Practitioners. The SCAAEP is committed to providing additional learning opportunities for students interested in pursuing careers in equine veterinary medicine. The annual Skills Lab, a project of the group, draws nearly 400 students from veterinary medical programs around the country.
Texas A M Student Chapter of the American Veterinary Medical Association SCAVMA. SCAVMA is the Texas A M Student Chapter of the American Veterinary Medical Association. Every student at Texas A M College of Veterinary Medicine can and should. become a member of SCAVMA, which currently has a 100 percent participation rate.
Members are eligible to join other, more specialized veterinary student organizations at Texas A M. Texas A M Student Chapter of the Society of Theriogenology. SFT helps students understand reproduction in various species including equine, through lectures, rounds and palpation. The Women s Equestrian Team is a highly competitive program with a history of national success. The Aggies earned overall national championship titles in 2002 and 2012.
Texas A M has finished second overall in four of the last six seasons and the western team has won six NCEA titles. Texas A M Women s Equestrian Team. The Aggie hunter seat squad has finished in second three years. Teaching, Research, Extension and Service. Los Angeles Marymount High School, attended by actress Lori Loughlin s two daughters, doesn t think either of the students are serious crew participants, a USC employee wrote in an email.
USC questioned whether Lori Loughlin s daughters were really athletes a year before admissions scandal. In March 2018, several high schools contacted USC, puzzled that certain students were being admitted as recruited athletes. Donna Heinel, the third-ranking administrator in USC s athletic department, was asked to investigate. She reported back the next day Loughlin s younger daughter rowed for a competitive club and USC s coach thinks she has talent, she wrote.
Prosecutors disclosed emails on Tuesday showing Heinel was tasked with investigating the very fraud she allegedly perpetrated. The messages were filed in federal court along with another 480 pages of emails, transcripts of recorded calls and financial and academic records that significantly widen the aperture on William Rick Singer s college admissions scam. An attorney for Heinel and a spokesman for USC didn t immediately respond to requests for comment. Heinel has pleaded not guilty to conspiracy to commit racketeering, fraud and bribery.
In court papers filed on Tuesday, Eric S. Rosen, an assistant U. attorney, addressed complaints by defense attorneys, who had argued Rosen and his colleagues were withholding evidence favorable to their clients. With the fashion designer s older daughter applying in 2016, the official, whose name is redacted in the documents, offered to flag her application and asked if I can be at all helpful in setting up a 1 1 opportunity for her, customized tour of campus for the family, and or classroom visit.
The couple specifically rejected this legitimate approach, Rosen wrote, pointing to an email exchange between Giannulli and an official in USC s development office. Giannulli was already conspiring with Singer to pass off the girl as an elite coxswain, prosecutors say. Singer asked Giannulli in an email for a picture with her on an ERG rowing machine in workout clothes like a real athlete.
Six days before the USC official s email, Giannulli fielded one from Singer Got it all. Rosen took aim at an argument floated by Loughlin and her husband, Mossimo Giannulli, that the two believed their 500,000 payment to Singer would go toward legitimate donations to USC. Profile is being made as a coxswain and USC is awaiting my packet with the transcript, test scores and profile. Giannulli told the development official Thanks so much, I think we are squared away.
He forwarded the email thread to his wife that night, adding, The nicest I ve been at blowing off somebody. A month later, Heinel presented their daughter as a recruited coxswain to a USC admissions committee, which approved the girl for admission based on falsified athletic credentials, prosecutors allege. The couple wrote a 50,000 check to a USC account that Heinel controlled and wired Singer 200,000, prosecutors say. They repeated the fraud a year later to get their younger daughter into USC, according to prosecutors.
Loughlin and Giannulli have pleaded not guilty to conspiracy to commit fraud, money laundering and bribery. Rosen wrote that no USC officials interviewed by his office knew payments from Singer s clients were a quid pro quo for admission, apart from those who have been charged with crimes. The government has no evidence that anyone outside of the school s athletic department knew of Singer s corrupt deals, Rosen said. Nor, he added, has his team seen evidence that anyone who supervised Heinel or other charged coaches was aware of the fraud.
He attached to his filing an email Heinel received in 2015 from Tim Brunold, the school s dean of admissions. The subject line Rick Singer. I don t know anything about this Singer guy, Brunold told Heinel, except to steer clear. Three years later, Heinel was asked to investigate applications submitted by three students, one of them Giannulli s younger daughter. Notified the student had been flagged as a rowing recruit, her high school counselor had told a USC admissions officer a year earlier, I had no knowledge of her involvement in crew and based on what I knew of her doubted she was involved in crew, according to a record of the conversation that prosecutors filed in court.
But to be sure, Rosen wrote, others at USC understood that Singer existed. In March 2018, a USC official emailed Heinel the names of three students whose high schools were quite surprised to hear they were being admitted as athletic recruits. Most of the names are redacted; Gianulli s was not. Giannulli s younger daughter was on a list of prospects the crew coach inherited from his predecessor; he was welcoming her to walk onto the team and earn a spot, she wrote.
Heinel wrote back the following day. Another student Heinel was asked to investigate, whose name wasn t disclosed, had great baseball IQ, a good bat and a family with ties to a donor that gave 1 million dollars to the baseball program, she said. The stories shaping California. Get up to speed with our Essential California newsletter, sent six days a week.
Matthew Ormseth is a reporter for the Los Angeles Times. He grew up in Arcadia and graduated from Cornell University. Before joining The Times in 2018, he covered city news and state politics at the Hartford Courant. Residents in part of Arcadia were told to evacuate Sunday morning as the Bobcat fire in the Angeles National Forest posed new dangers. Record acres burned. Sky-high air pollution. The extremes California has experienced in recent weeks all have one thing in common They were made worse by climate change.
Record heat. The explosive Creek fire, fueled by beetle-killed trees, is a hint of the Sierra Nevada s future unless California greatly expands prescribed burns. With many traditional public events canceled due to coronavirus, all our holiday energy has to go somewhere. And so far it appears 2020 will be the year we go wild on holiday decorations, starting with Halloween. Student desks, small tables, chairs and other furniture are selling out, just when frantic parents need them the most for children attending school remotely from home.
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