Research: Faster capital deployment linked to lower returns

New research from eFront shows an inverse correlation between the pace of capital deployment and fund performance

PARIS, FRANCE, December 19, 2018 / — Limited partners in private equity funds should be wary of putting managers under pressure to deploy capital – that is the conclusion of new research published today by eFront, the world’s leading alternative investment management software and solutions provider.

eFront’s research shows that there is an inverse correlation between the level of capital deployed during the first year of a fund’s investment period, and its eventual performance.

Looking at US LBO funds of vintage years 2000 to 2010, on average, funds deploy more capital in the first year (29%) than during each of the following ones. Years 2 and 3 are roughly at par (20%) and the amounts decline consistently thereafter (Figure 1). At first glance, the recent increase in pressure from fund investors to deploy capital would not imply a radical change of behaviour from fund managers.

However, a deeper look shows that the amount deployed in Year 1 fluctuates, from 14% (vintage year 2010) to 38% (2000). Surprisingly, the capital deployment in Year 1 does not seem to be connected with macroeconomic conditions: the coefficient of correlation with US GDP growth is only 0.19. However, there is an inverse correlation, of -0.32, between the amount of capital deployed in Year 1 and the overall performance of funds (Figure 2). This correlation increases as funds mature, with older funds (2000-07) showing a stronger inverse correlation of -0.46.

This analysis raises some important conclusions on drawdowns, demonstrating that under pressure from investors, fund managers might have less freedom to select the best opportunities over time. Even though fund managers usually have a pipeline of potential investment opportunities when they raise new funds, there is no certainty about when these opportunities will materialise. Putting pressure on fund managers to deploy capital could thus lead them to execute investments they would have normally decided to pass on.

Interestingly, Figure 1 shows that a significant amount of capital is called after the usual end of the investment period of LBO funds. In Year 6, 7% of the committed capital is called on average. The most obvious reason associated with an extension of an investment period is that fund managers struggled to deploy capital during the usual five years.

Surprisingly, funds of 2000, 2001 and 2010, which deployed respectively 102%, 98%, and 90% after five years still called 15%, 11% and 9% of the committed capital in Year 6. In theory, at this point, the remaining capital to be drawn to pay the management fees during the divestment years would be insufficient. The logical conclusion is that fund managers decided to use the provision of their fund regulations, allowing them to recycle early distributions operated during the investment period to effectively invest up to 100% of the committed capital. This is clearly the case for 2000, 2001, 2008 and 2010.

Another explanation is that some fund managers might execute buy-and-build strategies. Fund regulations in effect prevent new investments after the investment period, but usually, allow reinvestments in existing portfolio companies, including to support acquisitions.

Tarek Chouman, CEO of eFront, commented:

“This analysis debunks some common assumptions about drawdowns. One of them is that fund investors have put an increased pressure on fund managers to deploy more capital faster. Given the fact that most of the fund regulations cap the capital deployed in any given year at 25-30% of the committed capital, it is difficult to see how much further fund managers can go in that respect. What is also clear from the analysis is that having the freedom to deploy or not is an important tool to invest for fund managers.”

Sam Barton
Hydra Strategy
+44 7380 961549
email us here

Source: EIN Presswire

MENTIS Announces the Release of Version 8.1.4

MENTIS releases the latest version of its data & application security platform with new features, enhancing performance, flexibility across cloud & on-premise.

We passionately believe in continual innovation (56 releases in the last 14 years) and we continue our mission of keeping enterprise sensitive data safe.”

— Rajesh Parthasarathy, Founder and CEO

NEW YORK, NY, UNITED STATES, December 19, 2018 / — MENTIS announces the release of MENTIS 8.1.4. This robust new version includes performance enhancements, adds new methodologies, and extends support to new platforms. Among the new features are agent-based discovery as an enhancement for sensitive data discovery and a web proxy method for cloud application solutions; in addition, dynamic data masking for databases is extended to DB2 LUW and ZOS mainframe platforms.
MENTIS continues to break new ground in sensitive data discovery. The agent-based discovery methodology combines with optimized algorithms to boost functionality and performance.

In data masking, MENTIS added new capabilities to secure sensitive data in:
• Cloud applications/SaaS software: a web proxy solution to enable enterprises to have consistent on-premise and on-the-cloud data security. MENTIS now provides three different solution approaches – web proxy, proxy redirect, and forward proxy.
• Mainframe: new capabilities that bring industry-leading dynamic data masking capability to the mainframe.
• Masking: Translator for cross-border service incident management in production support and maintenance.

Rajesh Parthasarathy, founder and CEO of MENTIS commented, “We passionately believe in continual innovation (56 releases in the last 14 years) and we continue our mission of keeping enterprise sensitive data safe – wherever it is along the information lifecycle – with products that can get ahead of the challenges our customers face. The added capabilities featured in 8.1.4 in sensitive data discovery and masking reinforce the leadership and commitment to innovation of MENTIS in the enterprise data security space.”

Suresh Sundaram, Executive Director at MENTIS, added, “MENTIS is winning customer and industry trust through the active deployment of solutions in complex and demanding environments. To do business in the global economy requires enterprise customers in the US and Europe to step up their security and compliance programs. They rely on MENTIS as a crucial partner in their efforts, and MENTIS thrives on the challenge. This latest release brings new functionality, added flexibility, and performance enhancements for compliance enforcement, cross-border data access, test data management, and the securing of sensitive data in cloud applications and data warehouses.”

Founded in 2004, MENTIS was one of the first companies in a new data security market. Guided by a visionary founder with a deep grounding in both business and technology, MENTIS immediately began to innovate and has never since stopped. Known for its responsiveness to the moving target that is risk and compliance, MENTIS continues to bring powerful products to the market, the result of the company’s deep analysis of new trends in risk, and collaboration with its customers to assess and weigh their current challenges.

The MENTIS platform comprises a comprehensive solution that protects sensitive data along its lifecycle in the customer’s systems. Products provide capabilities from discovery, masking, and monitoring to data retirement. Engineered with a unique, scalable architecture and built-in separation of duties, MENTIS is the solution of choice to deliver comprehensive, consistent, and reliable data and application security across data sources (mainframe, relational databases, unstructured data, big data, on-premise, and cloud).

MENTIS helps protects the data of some of the most iconic industries and institutions in the world. Our customer roster includes internet commerce pioneers and national airlines; higher education institutions ranging from the Ivy League to Land Grant schools; international industrial behemoths and retail giants; and global enterprises in the highly regulated financial services and healthcare industries.

Nupura Ughade
MENTIS Software Solutions Pvt Ltd
+91 90117 88799
email us here
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Source: EIN Presswire

Indian Billionaires Isha Ambani and Anand Piramal Congratulated by RahTwoFive on Marriage

RaH TwoFive, photo credit: Gerard Victor, 2018, used with kind courtesy of the artist

RaH TwoFive, photo credit: Diego Ramos

RaH TwoFive, photo credit: Mario Marquez

RaH Two Five Congratulates Indian Billionaires Isha Ambani, and Anand Piramal on Marriage

Congratulations to you Anand and Isha on your great wedding! I think that it is really cool that you had Beyoncé there!”

— Rah TwoFive

MALIBU, CALIFORNIA, US, December 19, 2018 / — Hip Hop Singer Rah TwoFive, America's favorite new rapper of Indian origin, who can rap in fluent English, Hindi, Punjabi, and even some Spanish, made a point to congratulate today India's own Isha Ambani, and Anand Piramal on their marriage, and their wedding which happened this month in Mumbai. Isha is daughter of Nita and Mukesh Ambani. The brides' father; Mr. Ambani, is son of the late Dhirubhai, founder of India's reported 60 billion dollar Reliance Industries. The groom; Anand Pirmael, is son of billionaire Ajay Piramal.

The reported seven day double-billionaire family wedding party took place for over one-thousand guests in Udaipur, Rajasthan State in India, with Beyoncé reportedly providing musical entertainment. The billionaire wedding was also reportedly attended by Hillary Clinton, as well as other local Indian billionaires. According to the December 11, 2018 issue of Forbes dot com, "billionaires Kumar Birla and Sunil Mittal," as well as "steel tycoon Lakshmi Mittal, metals magnate Anil Agarwal and billionaire banker Uday Kotak," were along in attendance, among many more.

Rah TwoFive states to the bride and groom; "Congratulations to you Anand and Isha on your great wedding! I think that it is really cool that you had Beyoncé there!" Rah adds, "I would love to come over to India sometime there and meet you." As noted in his official biography, “Hailing from Detroit, RaH is ready to dominate not only America, but also the massive Indian Bollywood market, Europe, and the rest of the world as well. His biography also notes that ‘With the first three letters of his full name; “Rahul,” turning into his artist name, RaH got his nickname back in high school, which his friends used to call him. RaH states, “I think it’s cool, because it’s the name of the sun god of Egyptian mythology, and I love the sun! My family and I traveled to Egypt around the same time I got the nickname, and it just stuck.”

RaH adds that he is really into fashion, and started a fashion label, and loves the colors and clothing styles in Egypt such as gold and turquoise. He also adds that he started reading and studying about Egyptian mythology, and really got into it. He is working on some new pieces now.

Living in Los Angeles, RaH says, “There are so many creatives and big thinkers here. They understand my artistic approach to life, so it’s easy to form a good team for my creative projects. I also love the weather and scenery here.”

With a love of music, and an array of musical influences, RaH states that he is influenced by “People who are not afraid to express their true feelings, even if it’s controversial to the general public.” Michael Jackson, Chris Brown, Jay-Z, Kanye West, Drake, Usher, Diddy, The Weekend, and Billy Joel have influenced the young singer, adding that he is influenced by “artists who perform at a super-high level, and take their artistry beyond the music; into short films, and amazing shows.” Michael Jackson, he reveals, is probably his biggest influence, from his music, to his dance, to his fashion, videos, and more.

RaH is also heavily into dance and choreography, having joined a hip hop dance group in college, and also learning and performing the Punjabi style of dance from India. RaH says that he plans to include some of his dance work in some of his future videos.

Now with nine solid tracks out, and three new music videos to his credit for "Fire," “Super Winner” and “Purple Tears,” RaH’s passion is quickly paying off, with an impressive and rapidly growing fan base. If having to label his music, RaH states that his “music is based in hip hop and R&B, but that it has a jazz, lounge, and pop feel to it, and wants to mix genres, not being stuck into any one style or genre.”

Recently returning back to L.A. from a visit to Miami to work on a new music video, RaH says he plans to release a new 10 song album later this month, which he says will be an R&B album, with a Christmas song. RaH encourages other singers and musicians, and reported earlier on NewsBlaze, “Don’t give up! Continuously perfect your craft by fixing your weak points. Summing up his life philosophy, RaH states, "Believe in yourself more than anyone else, and know inside that one-hundred-percent for sure, you will reach your goals! This works for me!" RaH says.

Follow RaH on his Official Instagram here below:

Visit RaH's Official SoundCloud here below:

Visit RaH's Official Twitter

Bruce Edwin
Hollywood Sentinel Public Relations
+1 310-226-7176
email us here
Visit us on social media:

Rah TwoFive: Super Winner, Official Video

Source: EIN Presswire

Роскошные каникулы в отеле The Ritz-Carlton Bali

Роскошный отдых на пляжном курорте на Бали

Гидро-витальный бассейн в The Ritz Carlton, Spa Bali

Бесплатный доступ в детский клуб Ritz для самых маленьких

Ritz-Carlton Spa приглашает гостей в их оздоровительное путешествие

Ресторан Beach Grill предлагает свежие морепродукты и блюда на гриле

NUSA DUA, BALI, INDONESIA, December 19, 2018 / — Роскошные каникулы на пляжном курорте на Бали – то, к чему стремится каждый, и что может быть лучше, чем жить на лучшем курорте на Бали. Воспользуйтесь фантастическим предложением Luxury Holiday Escape от Ritz-Carlton, Бали и побалуйте себя незабываемым отдыхом со множеством дополнительных привилегий на потрясающих белоснежных пляжах Нуса-Дуа.

Ваш эксклюзивный отдых начнется с индивидуального трансфера из аэропорта до отеля. Затем вас ждет 6-ти дневное пребыванием в роскошном номере по вашему выбору – это может быть и шикарный сьют с доступом к бассейну, и отдельная частная вилла с бассейном. Фантастический отдых включает в себя разнообразный завтрак-буфет в ресторане Senses, вечерние коктейли и обед в ресторане по вашему выбору: Beach Grill, Breezes Tapas Lounge,The Ritz-Carlton Lounge & Bar или ужин из в одном из перечисленных ресторанов: Raku, Bejana, The Beach Grill, Breezes Tapas Lounge. Расслабляющий 60-минутный традиционный массаж в восхитительном Спа-центре Ritz-Carlton и уникальный оздоровительный бассейн, который вы можете посещать неограниченное количество раз, помогут вам расслабиться и отдохнуть. Бесплатное посещение Ritz Kids Club для тех, кто выбирает лучший семейный курорт и путешествует с маленькими детьми.

Безусловно непросто оторваться от отдыха в изумительных садах, от потрясающего бассейна и белоснежного пляжа. Однако все прелести Nusa Dua (Нуса Дуа) находятся всего в нескольких минутах ходьбы от вас. Посетите увлекательный музей Pasifica, насладитесь танцевальным представлением в театре Nusa Dua или пройдитесь по бутикам Bali Collection.

Предпочитаете ли вы романтические каникулы, оздоровительный отдых или увлекательное приключение для всей семьи, предложение Ritz-Carlton Luxury Holiday Escape позволит провести Ваш идеальный отдых на роскошном острове.

Предложение действительно для двух взрослых до 24 декабря 2019 года

# # #

Об отеле The Ritz-Carlton, Bali.
Уникальность роскошного пляжного курорта The Ritz-Carlton, Bali, раскинувшегося вдоль побережья Индийского океана на южной оконечности острова – в сочетании белоснежного песка на берегу океана и возвышающегося утеса, на котором он находится. Захватывающие виды на голубую лагуну и 279 изысканно обставленных номеров и 34 просторные виллы отеля – лучшие виллы на Бали, делают его идеальным местом как для романтического путешествия, так и для семейных каникул или деловых встреч. На территории курорта – клубный лаунж, шесть элегантных ресторанов, огромный Спа-центр с экзотическими процедурами и Детский клуб со множеством развлечений. Очаровательная свадебная часовня на пляже создает волшебную атмосферу для свадьбы, а площадки на открытом воздухе прекрасно подходят для проведения праздничных мероприятий и свадебного банкета на Бали. Технически оснащенные конференц-залы, помещения для встреч, специальные предложения для проживания и опытные организаторы помогут создать идеальное MICE мероприятие на Бали. Все это наполняет отдых в отеле The Ritz-Carlton, Bali воспоминаниями, которые останутся навсегда. Подписывайтесь на нас в Facebook, Instagram, Twitter, Youtube, LinkedIn.

Prhativi Dyah
The Ritz-Carlton, Bali
+62 361 848988
email us here
Visit us on social media:

Лучшая вилла на Бали

Source: EIN Presswire

CEOMONEY's Michael Yorba Interviews James Timothy White, Co-Founder of

The logo for logo

James Timothy White was interviewed by famed TV Personality Michael Yorba today, December 18, 2018 on CEOMoney, America's Business Show.

When Michael called me up and asked me to be on his show I was sold. His show is a must-watch for entrepreneurs and business aficionados!”

— James Timothy White

ORLANDO, FLORIDA, UNITED STATES, December 18, 2018 / — James Timothy White was interviewed by famed TV Personality Michael Yorba today on CEOMoney, America's Business Show where White discussed starting up his online drug and alcohol testing education company, with his co-founder Andrew Easler in the fall of 2012.

At age 12, James founded his first company, J & W, which he grew into a multi-million dollar corporate structure. In 2005, he sold the business and set out to pursue a promising new venture in finance. Creative juices flowing and eager to succeed, 23-year-old James became the CEO of the largest debt management company in Canada with several hundred investors. Soon, failure came knocking at his door. It was a critical and devastating failure which led to the discovery of some of the greatest wisdom an entrepreneur can learn and has contributed to his greatest successes.

You can watch the full interview here:

About CEOMoney

WFN1 is a multimedia broadcast network featuring radio, television, and online distribution. We focus on information about business, entrepreneurship, and innovation – a network of thought leaders and experts working on the very edge of innovation.

About Michael Yorba

Michael has been integrally involved with the media industry in various capacities including building an IPTV Network, developing, producing and hosting daily one-hour talk shows entitled “Commodity Classics” and “The Traders Network.” These live, daily broadcasts on radio, TV and on the internet define what an audience-empowered, interactive financial program should look like and have been viewed and enjoyed internationally by IPTV enthusiasts in over 78 countries.

Andrew Easler
+1 888-390-5574
email us here
Visit us on social media:

James White on entrepreneurship and building a disruptive drug testing education company

Source: EIN Presswire

Titanium Real Estate Network Ranked as #1 RE/MAX Real Estate Team in California

Titanium Real Estate Network Ranked as #1 Real Estate Team in California

ROSEMEAD, CALIFORNIA, UNITED STATES, December 18, 2018 / — Titanium Real Estate, also known as RE/MAX TITANIUM is pleased to announce that they’ve been placed #1 in California on the Top 100 United States Individuals. What’s more, one of their agents, Freeman Wang of RE/MAX TITANIUM, is ranked #59 for the top 100 real estate agents in the United States. The rankings came from RE/MAX World Headquarter for Top 100 United States Individuals Residential from January 2018 to October 2018.

For several years, Titanium Real Estate Network has presented quality, professional real estate services throughout the California area. This is compiled based on the information given by RE/MAX, a franchisor of the worldwide RE/MAX network. Judging is based on various criteria: growth and size, management capabilities, organizational competencies, and customer references. This year’s competition was fierce, along with more applicants than ever before. In spite of this, Titanium Real Estate earned the top ranking in California in the prestigious list.

“Our real estate agents are all professional and experienced to present the highest level of service to the community,” said Rudy L. Kusuma, founder of Titanium Real Estate. “Our dedicated team of agents and staff have helped the company grow and accomplish massive success – ranking number one in California. Through our friendly customer support, we’ve accomplished this remarkable milestone. That is exceptional, and we are extremely honored to help a lot of people throughout the area,” he added.

They sell over 20x more homes than an average agent. Because they sell so many more homes than their competitors, financially there are extra things the company can do for clients that other real estate agents and brokers don’t offer. A client’s home will get far more exposure. Their home will be exposed to buyers in a much larger area nationally and internationally. Plus, a house will sell fast and for top dollars because of their unique and exclusive consumer programs.

The real estate team in California is pleased that the dedication and hard work of their agents in providing incredible service to their clients is famous by a highly respected organization like RE/MAX. The leading position of Titanium Real Estate Network shows their massive potential for continued growth and development.

About Titanium Real Estate Network:

Titanium Real Estate Network is one of the well-respected and award-winning real estate brokerage team in California. The company offers professional full-service assistance in property selling and buying for both commercial and residential clients.


For individuals interested in making a move or joining the Titanium Real Estate Network team, call Rudy L. Kusuma at 626-789-0159 or email him at

TEAM NUVISION – Rudy L. Kusuma Home Selling Team
+1 626-789-0159
email us here
Visit us on social media:

Source: EIN Presswire

Leaders from Around the World Learn About Intermountain Healthcare’s Operating Model and How It Empowers Caregivers

Recent international guests have come from Saudi Arabia, the United Arab Emirates, China, and Costa Rica

SALT LAKE CITY, UTAH, USA, December 18, 2018 / — Leaders from around the world routinely visit Intermountain Healthcare facilities to learn about the Intermountain Operating Model and how frontline caregivers are using it to improve quality, safety, and patient experience. A remarkable 436 guests, including government, business, and industry leaders, visited Intermountain in 2018.

Recent international guests have come from Saudi Arabia, the United Arab Emirates, China, and Costa Rica. They are interested in Intermountain’s idea system, huddle boards, tiered escalations, and caregiver-led improvements.

Visitors from the Kingdom of Saudi Arabia have come to Intermountain twice this year, touring Intermountain Utah Valley Hospital in Provo and the Intermountain Memorial Clinic in Salt Lake City. The group included top leaders from Saudi Arabia’s ministry of health, which guides healthcare decisions for the country.

“These leaders are interested in how we listen to frontline caregivers and empower them to make changes,” said Dannon Denison, a Continuous Improvement business partner at Intermountain Utah Valley Hospital. She said the groups visit a variety of different departments to learn from frontline caregivers, their managers, and Intermountain leaders.

At the Intermountain Memorial Clinic, the Saudis met with Devin Reid, a practice administrator, and Brandy Siniscal, practice director of pediatrics and internal medicine. “They were interested in how we’ve worked to reduce entry-level turnover and improve the patient experience,” said Devin. “They wanted to know how to break down barriers and empower people outside of traditional top-down leadership. We were able to show them how we do this with our huddle boards and specifically how Brandy engages her team to improve on our fundamentals of extraordinary care.”

“As an organization, we’re modeling how to lead and grow a team,” said Dannon. “We’ve empowered frontline caregivers to have a voice and run their own shop. It’s not just our CEO who’s running things, it’s all of us together. And now that we’ve moved to a One Intermountain structure, the Intermountain Operating Model can help our work improve even more as teams own this culture across the system.”

Intermountain Healthcare is a Utah-based not-for-profit system of 23 hospitals, 170 clinics, a Medical Group with about 2,300 employed physicians and advanced practice clinicians, a health plans group called SelectHealth, and other medical services. Intermountain is widely recognized as a leader in transforming healthcare through high quality and sustainable costs. For more information about Intermountain, visit

Daron Cowley
Intermountain Healthcare
email us here

Source: EIN Presswire

Particl Cold Staking Pools Gracefully Balances Privacy, Control and Teamwork

The open source project creating privacy-focused dapps drops an early Christmas present that makes it easier than ever to team up and participate in rewards.

Pool participants send their coin to a coldstake script with a stake address owned by the pool and a spend address owned by the participant,”

— Tecnovert, Lead Particl Core Developer

ZUG, SWITZERLAND, December 18, 2018 / — Particl, a cryptocurrency project devoted to freeing the individual with privacy-focused decentralized apps, has released an open-source staking pool protocol that makes it easy to combine your PART (coin) with other people to earn more frequent staking rewards.

Fittingly termed “Cold Staking Pools”, they operate the same way personal Particl Cold Staking does where participants can delegate their offline coins to an online node which can then stake on their behalf, but without being able to spend their coins. The new pool protocol is freely distributed and makes it easy for anyone to set up a Pool while staying true to Particl’s “Private by Design” philosophy by keeping users in control of their spend addresses. Cold staking pools are also compatible with Ledger Nano S devices, allowing users to cold stake safely with the additional security hardware wallets provide.

Tecnovert adds, “the pool can only stake such outputs and participants can withdraw their coin without interacting with the pool.”

In addition to protecting pool participants and increasing the frequency of rewards by teaming together, there is an added “Observer” mode where participants can verify if the pool is operating correctly. Particl has also included a modern, responsive GUI for Cold Staking Pool operators to use and participants to easily see how their pool is performing.

About Particl:
Particl is a privacy project built on the belief that a more efficient and independent economy can be built without middlemen. Created on Bitcoin codebase, and concurrently updated with each new release, PART became the first cryptocurrency to adopt Confidential Transactions to protect the privacy of individuals. The Open Marketplace is the project’s first privacy-focused dapp that makes it easy to buy and sell stuff for crypto.

About Particl Cold Staking:
Particl Cold Staking enables a dedicated resource connected to the Particl (PART) blockchain to stake on behalf of another wallet without being able to spend its coins. Cold staking nodes are intended to be used in combination with cold, hardware and paper wallets as well as multisig addresses, making it possible to stake “offline” coins with no risk of being hacked or exposing your public key to the network.

Helpful Links:
Cold Staking Tutorial:
Cold Staking Pools FAQ:
Join Particl Telegram:
Join Particl Discord:
Particl Reddit:
Particl GitHub:
General Inquiries: hello (at) particl (dot) io

Paul Schmitzer
+41 44 586 70 13
email us here
Visit us on social media:

Source: EIN Presswire

San Francisco East Bay Credit Union

San Francisco East Bay Credit Union Offers Tips to Avoid Card Skimming Fraud

SAN FRANCISCO, CA, USA, December 18, 2018 / — San Francisco East Bay Credit Union Offers Tips to Avoid Card Skimming Fraud

Gas pumps, ATMs, transit ticket dispensers, and other point-of-purchase machines can be extremely susceptible to card skimming devices, a method used by thieves to steal your information. 1st United Credit Union is offering 8 easy tips to help their San Francisco East Bay community avoid being skimmed.

Card skimming has become an increasingly dangerous problem as they can be difficult to spot. Many high-quality skimming devices will be attached over or inside the card slot and a tiny camera may be installed nearby to record a PIN as it is entered. Shoppers will not realize their information has been stolen until they receive a statement or an overdraft notice, so it is important to be aware of skimming devices and report any suspicions right away.

Follow these 8 Guidelines to Avoid Card Skimming & Protect Your Information

In order to protect your information, it is important to follow these guidelines from 1st United Credit Union every time you use your card:
1. Do a quick scan of the machine to ensure it has not been tampered with. Don’t swipe if the card reader seems loose, crooked, or damaged or if the graphics aren’t aligned. Compare nearby machines to check if one machine has a flashing slot to insert and the other one doesn’t. All of these may indicate something is wrong with the machine.
2. Be wary of non-bank ATMs as it has been reported by FICO that 60% of skimming occurs at privately-owned ATMs.
3. Check the keypad and if the numbers are hard to press or feel too thick, there may be a false keypad installed.
4. Block your PIN with your hand while you are entering your number in case a camera is recording.
5. Use machines in public view with security monitoring as they are less likely to be tampered with. An ATM inside the store or inside your bank is preferred.
6. Check your account regularly to make sure you can catch the fraud immediately and report it to your bank.
7. Sign up for a fraud alert system from your card provider to help you catch issues immediately and save you trouble. 1st United offers access to real-time text alerts that can help prevent fraudulent transactions on credit and debit cards.
8. Above all, trust your instincts if you doubt the authenticity of a machine. Choose a different machine or use a different payment method.

About 1st United Credit Union

1st United Credit Union has been thriving in the San Francisco East Bay Area since 1932, and offers membership to anyone who lives, works, or attends school in Alameda, Contra Costa, San Joaquin, Solano, Stanislaus, or Kings Counties in California. They offer the highest level of professionalism, transparency, and ethical standards and bring the best solutions for every banking need. They can help you avoid card skimming fraud through various services including account monitoring, the ability to block or reissue a card, and Fraud Text Alerts.

Contact 1st United Credit Union

Lisha Fabris, Communications Manager
1st United Credit Union
(925) 598-4782

Lisha Fabris
1st United Credit Union
+1 925-598-4782
email us here

Source: EIN Presswire

Why to conduct an STO: a mechanism that benefits issuers and investors

TOKYO, JAPAN, December 19, 2018 / — Regulation of cryptocurrency is a hot topic today not only in the USA or China but globally. Most supervisory authorities, including SEC, have started investigating utility tokens to find out which of them are in fact securities. As a result, blockchain companies have to prove the nature of their tokens not only to the regulators but even to crypto exchanges. The market is fading without new solutions.

More sophisticated STO mechanism slowly but steadily replaces ICO’s hegemony, that benefits both investors and issuers. It is considered a fresh impetus for the crypto market that brings security and transparency to a whole new level.

What is the difference between an ICO and STO? And what a venture should consider when conducting an STO?

Utility tokens vs securities

An actual utility token represents future access rights to a company’s products or services. Meanwhile, a security token refers to a financial active that confers rights to income, assets or even dividends of a business.

The purpose of security tokens is mainly to protect investors from scam projects. In the case of ICOs, participants almost have no possibility of taking legal actions against the fraudulent firm, because ICOs are unregulated fundraising events.

Note: ICOs do generally lack regulation, but not so long ago Malta and Bermuda, for example, have passed legislation, according to which ICOs will be treated as a restricted business activity which will require consent from the Minister of Finance.

An STO, in turn, is fully regulated. There is a list of limitations and restrictions that a company and potential investors shall meet. It varies depending on the location and jurisdiction. Companies have to comply with the laws not only of the country of issuance but also of the territory of the investors' location. Some countries ask companies to file an offering prospectus to the regulator to be able to invite investors to purchase securities.

Note: Before conducting an STO, it’s necessary to carefully select the country where to issue securities and where to sell them.

Types of security tokens

Security tokens can be divided into several types, such as equity, debt, derivative or a commodity.

Debt Tokens represent debt or cash- generating vehicle.

Equity Tokens represent an equity position in an underlying asset. They may give the holder the right to vote or not. Also, investors purchase them as a form of anticipating future returns. If the company’s profits increase so will investors’ gains. In case a company doesn’t want to share any kind of partnership, then it should be stated in the smart contract.

Hybrid/Convertible Tokens can convert between debt and equity based on their behavior.

Derivative Tokens represent a digital asset backed up by a physical active, such as silver, gold, car, etc.

STO pitfalls

However, neither companies nor investors should consider such strict regulations as a problem. Despite its severity, STOs offer a higher level of investors’ interests protection and important risk mitigation for an issuer. STO focuses on professional and institutional investors meanwhile, ICO is more like a fundraising mechanism, whose characteristics don’t allow them to participate.

In contrast to an ICO, STO gives the rights to own an equity share in a company that will be backed up by real assets. This, in turn, implies that if a company wants to issue security tokens, then local laws must be satisfied. For example, an enterprise should register the STO with the local securities regulator and give all the required information, disclosing almost every detail of the business, just like in case with IPOs, Initial Public Offerings.

Unlike ICOs with utility tokens, KYC/AML requirements for STOs are a bit stricter. For ICOs, KYC is a one-time thing, meanwhile for companies with securities it is a lifetime responsibility to know who the owner of the securities is and where they come from at each point of time. Thus, governments try to combat the money laundering, to sanction terrorists, criminals and people who accept illegally obtained funds.

Furthermore, STO companies can’t advertise the asset publically, as it can be considered as a violation of certain laws.

Companies launching STOs should comply with an extensive list of rules. Projects need to introduce special conditions to the smart contracts to ensure their fulfillment. Thus, only those investors who fit the requirements will be able to purchase security tokens.

In conclusion

STOs have just begun to conquer the market, but they have already attracted traditional stock exchanges, including NASDAQ or NYSE that are looking for a gateway to list security tokens.

STO is complicated process to pass through, and several companies consult on the procedure. Platinum is an international full-cycle agency that leads an issuance of securities from the beginning till the end. Platinum team includes over 100 professionals with 3 years experience in the crypto industry and 7 years in financial markets. The company has already consulted over 700 projects and helped to collect $200M+.

For more information on STOs, please visit Platinum website or leave enquiries on Facebook.

Mike Graigham
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Source: EIN Presswire