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What You Didn’t Know About 9/11 Victim Compensation

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The 9/11 Victim Compensation Fund was established in 2004 to provide financial compensation to the families of the victims of the terrorist attacks on September 11, 2001, which resulted in the deaths of nearly 3,000 people and caused billions of dollars in property damage.

The VCF also provides compensation for any individual present at the crash site during the debris removal efforts and who developed a certified 9/11-related health condition. Compensation is also available for those individuals who were not present at the crash site but developed one of the following cancers after working or volunteering at one of the following sites: The World Trade Center, The Pentagon, and Shanksville, PA.

Who Administers the Fund?

The fund is administered by the New York City Comptroller’s Office. Its mission is to “provide economic benefits, including medical treatment, to eligible family members and dependents of those killed or injured in the terrorist attacks that occurred on September 11, 2001.”

If you or a relative have developed health issues rooting from your presence at 9/11, it’s important that you get in touch with an attorney at Weisfuse & Weisfuse.

What are the Conditions Included in the 9/11 Victim Compensation Fund?

Thanks to the U.S Congress, the 9/11 victims can get some relief. After inhaling the toxic debris, the victims who developed cancers or aerodigestive disorders are entitled to compensation.

The 9/11 VCF also include other conditions such as:

  • Obstructive airway disease
  • Asthma
  • Reactive airways dysfunction syndrome (RADS)
  • World Trade Center-related chronic obstructive pulmonary disease (WTC-COPD)
  • Chronic cough syndrome
  • Chronic rhinosinusitis with nasal polyps
  • Chronic bronchitis
  • Chronic laryngitis/pharyngitis or reflux laryngopharyngitis
  • Bronchiectasis without pneumonia or acute exacerbation
  • Interstitial lung disease (ILD) includes but is not limited to pulmonary fibrosis, pleuritis or pleural thickening, pleural plaques, and sarcoidosis.

If you are filing a claim on behalf of a loved one who died as a result of 9/11 related illnesses or injuries, you must prove your relationship with the deceased victim in order to be eligible to receive compensation. You should also be prepared to produce medical records and other documentation that supports your claim.

What to Do If You Want to File 9/11 Victim Compensation Claim

If you are a 9/11 Victim Compensation Fund recipient and have been notified that your award will be reduced or denied for whatever reason, you need to contact a 9/11 Victim Compensation attorney right away.

An attorney is not required to file a claim with the VCF but may help maximize compensation for your injuries due to their knowledge of the unique legal issues involved with the VCF process. An attorney can guide you through this process from start to finish and ensure that your rights are protected along the way.

Key Takeaway

If you suffer from a physical injury or mental illness due to a 9/11 attack, you may be eligible to receive compensation (money) from the September 11 Victim Compensation Fund. You should also seek immediate medical attention if possible or necessary. You will then have two years to file your claim. In order to get the right amount of compensation, you must hire a lawyer specialized in 9/11 victim compensation.

 

What To Pack for an Alaskan Cruise

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Taking an Alaskan cruise is one of the most unique experiences you can have. From hiking to see bears to kayaking on the sea, soaking in hot tubs overlooking the ocean, or exploring the port towns, there are unique experiences around every corner. The key is to make sure you pack just the right things to make your adventures successful.

The Clothes

Alaska cruises from Seattle can carry a variety of weather conditions, so it is important to pack the appropriate clothes. When you’re enjoying the ship’s facilities, you’ll want clothing that can easily transition between activities while providing some warmth as you move around the chilly outside decks. Aim for leggings, jeans, hiking pants, or active attire that you can wear whether you’re participating in workshops, exercising, or at the spa. Most of the time, Alaskan cruises are quite casual, so you’ll also be able to wear these outfits to dinner. Don’t forget a swimsuit for the pool!

When you’re moving between activities or spending time on the observation decks, you’re likely going to get chilly, so layers are important. Grab a long-sleeve t-shirt or sweatshirt, a light jacket, or a down vest to help you stay warm. Sneakers or flats are good for most outfits, but you’ll also want to pack a pair of flip-flops for when you’re at the pool or spa.

Consider which activities you’ll be doing while you’re actually in Alaska as well. Remember appropriate hiking attire if you plan to spend any time in nature. Finally, while most of these cruises are casual, you may be aboard a ship that offers dress-up dinners. Learn about your ship in advance to determine if you’ll need to bring a dress or suit on your trip. Even if you don’t need a suit or cocktail dress, many ships still prohibit jeans at dinner, so be sure to pack at least one nice pair of pants.

The Accessories

Typically, it’s best to leave most of your accessories at home, but if you’re a fashionista who simply can’t, it’s a good idea to keep accessorizing to a minimum. After all, how much fun will you have if you’re constantly worried you’ll lose your family’s heirloom necklace? Keep jewelry simple and understated. If you have wedding sets, leave the rest of your rings at home. Choose only one or two necklaces and one or two pairs of earrings. Avoid bringing anything too valuable if you can.

Outside of jewelry, you’ll want to make sure you have something to carry stuff. If you plan to spend lots of time at the pool or spa, grab a bag large enough to carry your change of clothes, an extra towel, your flip-flops, a book, and anything else that you need. Will you be spending most of your time out in nature? Grab a backpack that can carry changes of clothes, sunglasses, a sun hat, sunscreen, snacks, water, and everything else that you’ll need for your adventures. It’s also a good idea to grab a waterproof case for your smartphone, identification, and anything else that you’ll want to protect from the water while you’re cruising.

The Extras

Spending time on the observation decks is often quite windy and chilly, so one of the first “extras” on your list should be a small blanket or large scarf that you can wear to keep warm while you’re outside. When it comes to other extra items, the biggest thing that many people forget is toiletries. Buying them on the ship can get pricey, so be sure you remember your toothbrush and toothpaste, hairbrush and styling products (but frizz is common on Alaskan cruises, so consider grabbing hair ties in place of straightening irons), deodorant, shampoo and conditioner, body wash, and everything else you need to stay feeling fresh on your vacation.

Alaskan cruises are gorgeous during any season, whether you want to attend during snowfall season or during the summer months when things are just a little warmer. By using these packing suggestions as a guide, you’ll be able to ensure you have everything you need no matter when you set sail.

What is Account Takeover All You Need to Know to Stay Safe

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We have been vulnerable to cybercrime since the minute we joined internet platforms. As cyber security tightens its grip on our accounts and devices, criminals continue to find ways to carry out malicious acts online. It has reached a point where no human input is required to hack, but rather a program designed by attackers themselves aids in a faster takeover of the crime, simulating how an actual human would hack. These clever agents gain what they want by laying out personal information online, regardless of how discreetly we do it, and attack in ways like hacking, phishing, piracy, and identity theft. In this article, we shall consider account takeover as a form of identity theft, how this happens, its targets, types, and most importantly, how to protect your account and prevent this kind of attack.

What is Account Takeover?

Account takeover (ATO), also called account compromise, is a form of identity theft wherein a cyber attacker takes illegal entry to an account online belonging to someone else. Once they take control, these criminals may use your accounts to commit fraud, unauthorised purchases, sell important information and other stored value of some kind. The result of this type of attack is very alarming, given that it can destroy a user’s reputation, a company, or an organisation’s image, operations, and bottom line.

What are the Forms of Account Takeovers?

Account takeover usually happens because of the attacker’s ulterior motive. Depending on the attacker’s objective, resources, and scale, it can also occur differently. They may be classified as follows:

  • Credential Stuffing is a cybercrime attack that uses automated injections of a stolen combination of username and password (or credentials) usually purchased from the dark web that is priced according to accuracy and quality. Chances are high with this attack since some users utilise insecurity and reuse passwords.
  • Credential Cracking is almost the same as credential stuffing; however, only usernames are given, and attackers try various passwords to access your account. They also use tactics or bots to generate many password combinations or brute-force attacks and phishing.
  • Phishing is a cybercrime where attackers trick their victims into giving up their log-in information. They can happen in the form of SMS, email, fraudulent websites, chat conversations, malicious phone apps, phone calls, and more. This targets an extensive list with thousands of recipients. Still, spear-phishing, a well-researched variation of phishing that combines social engineering and background sleuthing to target people, is a more individualised approach form of phishing.
  • Fraudulent Purchases– some online accounts are connected with credit cards to make purchases online. Users, especially with bank transactions, are usually susceptible to this attack. They can make use of your account by making purchases using your banking details or gift certificate data.

How Does an Account Takeover Take Place?

The foundation of a successful account takeover is through accessing the user’s account details. They do this through specific forms of attack that may remain unnoticed by users. Once they get account log-in information, they will test these on target websites. Attackers usually have bots to do the username and password combination, which has a high chance of 8% of successfully cracking accounts. From there, malicious actions will occur, such as withdrawing funds, making purchases, phishing more information of possible targets from your contact list, reselling the validated credentials to others for exploitation, and many more. Each validated credential increases the profitability of the attacker and most probably will use the combined credentials across different platforms.

Who is being targeted?

Historically, the most vulnerable sector for account takeover is the financial institutions. In research done by security.org, about one-third of account takeovers are for banking accounts. Although they are the most guarded industries because of these attacks, account takeovers still happen.

Other industries that have also embraced digital transformation that might have increased online presence to generate sales or maintain user accounts are the ones that are targeted as well. A rise in attacks in hospitality, healthcare, retail, media and entertainment, and education has been recorded already.

How to Avoid Account Takeover?

In data gathered by security.org, most account takeover cases are from social media accounts, with over 51% of all cases recorded. 80% of which are personal accounts which means that individuals should apply heavier security. With that in mind, we listed five things to help you prevent account takeover fraud:

  • Check password strength– it’s strongly recommended to use a combination of big and small letters, numbers, and punctuation marks in creating your passwords. Some platforms have detectors to show how strong the password you have created is. Don’t use the same password over your multiple accounts. This makes you an easy target for attackers. It might be a simple task, but most online users neglect to follow this step.
  • Apply multilayer protection strategies– install fraud detection tools or antivirus software in your devices to block virus and malware attacks. Apply secondary security processes such as security questions and two-step authentication. The tighter your security tools are, the harder it is for fraudsters to attack you.
  • User education– the earlier you learn about detection, antivirus software, and any signs of account takeover, the better you can protect your account.
  • Be vigilant online– you can install a device tracking tool to detect malicious activity whenever your account is logged in to a device you don’t know. You can immediately take action if something like this happens.
  • Login attempt limits– setting a limit when logging in can keep a cybercriminal from spamming log-in attempts in your account. This is effective with bot spamming, which usually uses different IP addresses.

Takeaway

Online fraud is on the rise. Because of how fast and intelligent attackers work, it’s still complicated to catch them at once. For now, what you can do is protect your accounts from possible account takeovers. Be vigilant and install the right software and latest application versions for tighter account security. If you have been a victim of these fraud acts, you might already know how prevention benefits users. It will help if you have learned from past mistakes. As they always say, preventing and protecting is always better than repenting and repairing.

What are the Benefits of Payload for a Truck?

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When it comes to transporting goods, the payload is a crucial consideration. Payload is the maximum weight of the cargo that a truck can carry. The more payload a truck can handle, the more goods it can transport, leading to lower shipping costs. With the increased cost of transporting goods, you have little room for waste or inefficiency. Please visit https://www.klubb.com/en/faq/what-does-payload-mean for more information. The payload also has several benefits for the truck itself. Here are seven benefits of payload.Payload for a Truck

  1. Save on Fuel Costs. Payload enables you to meter the final bucket load to avoid making extra trips. This reduces your loading times and saves on fuel. As an operator, you know how much weight you need to reach the target payload weight and see the amount in the bucket. So, you can make adjustments to the final bucket load at the stockpile before using the truck.
  2. Traction and Stability. When a truck carries a heavy load, you can compromise its traction and stability. By reducing the weight of the cargo, you can improve your truck’s traction and stability.
  3. Payload Capacity. If you frequently transport heavy loads, you may want to consider upgrading your truck to one with a higher payload capacity. This will allow you to carry more cargo without exceeding the maximum payload capacity for your vehicle. This will also enable you to keep overweight fines at bay.
  4. Improve the Braking Performance. When a truck carries a heavy load, you can compromise its braking performance. Even a load within the safe amount can strain your bakes since there is a high braking temperature. Steering can also be more difficult. Payload effects on brakes also apply to the distribution of the cargo. You can shift the center of gravity by placing the most weight in the back. By reducing the weight of the load, you can improve your truck’s braking performance.
  5. Low Maintenance and Repair Expenses. The more trips you make, the more your truck’s equipment needs repair. Eliminating truck overloads also decreases your truck’s wear and tear. The suspension system of a car is designed to support the weight of the cargo. When a truck is carrying a heavy load, the suspension system may be put under strain, leading to wear and tear. By reducing the weight of the cargo, you can reduce wear and tear on your truck’s suspension system.
  6. Protect Your Cargo from damage. If you do not secure your cargo, it may shift during transit and become damaged. By ensuring that your shipment is securely fastened, you can help protect it from damage during transit. Ensure you use padding to prevent your load from moving. Driving carefully and avoiding sudden stops can also keep the strain on your brakes to a minimum.
  7. Comply with Federal and State Regulations. Federal and state regulations place limits on the maximum payload capacity for trucks. By complying with these regulations, you can avoid penalties and fines.

The payload capacity is crucial since it prevents you from overloading your vehicle and damaging it in the process.

Is it a good idea to invest in sovereign gold bond schemes

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The Indian Government has recently launched a new scheme called Sovereign Gold Bonds. This scheme allows an investor to invest in gold without physically purchasing the metal. The scheme is a good alternative to purchasing physical gold and investing in gold ETFs.

Here are some of the advantages and disadvantages of investing in Sovereign Gold Bond Schemes:

  1. No risk of theft

Gold bonds do not have the risk of theft which is usually associated with physical gold investment. Hence you only need to worry about the gold rate today in AP or Himachal Pradesh and not about the actual security of the physical gold. Visit this page for more info.

  1. Fixed rates

The rate of interest for sovereign gold bonds is fixed by the RBI and can be considered a benefit for those who want to invest in gold, but do not want to face the high volatility of gold prices. Since investors are paid the interest at fixed intervals irrespective of the rise or fall in the spot price of gold, they aren’t affected by price fluctuations of the yellow metal.

  1. Maturity

The tenure of SGBs is eight years, with an option to exit after five years if required. They can also be transferred from one person to another by endorsement and delivery or by registering them in the bond ledger account held at the bank or post office where they were issued.

  1. No selling charges

Unlike physical gold investment where one has to pay capital gains tax while selling, there is no such obligation on SGBs as they are not listed on stock exchanges. Also, there are no making charges on SGBs like on jewellery. Making charges can significantly increase the cost of investment. To confirm this all you need to do is search for today’s gold rate in bhimavaram and then ask your local jeweller how much would be the making charge on top of that.

  1. High liquidity

These bonds can be easily converted into cash and can be used as collateral for loans. They also offer an exit option after five years. Moreover, they can be purchased through various modes such as banking channels, stock exchanges and designated post offices.

 

  1. Returns

SGBs fetch you returns on your investment equivalent to 2.55% per annum payable every six months on the initial value of the investment. The bonds will also give holders capital appreciation as they would increase their value over time.

  1. Hassle-free investment

One doesn’t need to buy physical gold or rent a locker to store it when one invests in SGBs

Disadvantages

  1. Long maturity duration

With SGBs you need to wait for 8 years before the bond matures. While this long duration is good for avoiding the perils of gold price volatility it is for you to decide if the opportunity cost is worth it because in these 8 years you could have invested and got returns from many other places.

  1. Tenure

Investors need to hold SGBs for at least five years from the date of investment. If you want to sell them before that, you will not get any returns on your investment. But, if you hold them for more than five years, you can get interest on your investment as well as capital gains tax exemption at the time of redemption.

  1. Interest rate risk

If interest rates rise, bond prices fall. This will reduce the value of your bond holdings. During the tenure of SGB, if the interest rate rises, it will reduce the value of your holding and you may have to sell at a loss when you exit before maturity.

Technological Advancements in Betting Industry

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Over the past decade, new technologies have played a huge part in the gambling industry and how it functions. New features that haven’t been seen before have become very popular quite fast. Online gambling is now getting more popular and more people to decide to place bets completely remotely. Also, checking the results, reviewing odds, and playing new NBA and NFL lines is now easier than ever.

All of the aforementioned mostly had a positive impact on the industry. Both players and gambling providers have benefited from these systems. To learn what are some of the most important advancements in the industry, make sure to get to the bottom of this text!

Mobile Betting

Online sports betting is probably the most important technological advancement in the industry. You are not required anymore to find a betting shop in your local place, especially if you like to place your bets during the night. In addition, you can now place your bets on sports from all over the world and all that from the comfort of your home, using your mobile device.

The experience of betting online is getting better with each day. Some experts say that traditional betting shops can’t even compare to online bookmakers and that online betting will completely take over in the future.

Nowadays, almost every bookmaker has either a browser-based website or an app you can download and use to place your bet. Additionally, online betting has allowed for the development of new markets, new features, new games, and spread the variety of sports you can bet on.

Apps support all of the operating systems, which means that you use the app to withdraw, deposit, play games, place bets, and track your records. We see no signs of this type of betting stopping any time soon, and we encourage players to indulge in it thanks to its simplicity.

CGR – Computer Generated Reality

Online betting providers have used computer-generated reality to make the games more interesting to the players. Whether you’re playing virtual games, using the casino, or betting or sports, all of that is very visually pleasing for the consumer.

Additionally, the development of VR has significantly increased the number of players in the industry. VR headsets now offer an option to watch different types of games, either computer-generated or real. The most popular ones are horse racing, cricket, and football.

New Payment Options

Financial information is now almost completely safe online, thanks to the use of encryption and innovation of encoding the information. The encryption ensures that no individual can access your bank information, login name, passwords, or funds on your playing account. Therefore, you don’t have to worry anymore about your financial data being stolen while betting online.

In addition, we noticed an increase in the usage of cryptocurrencies in the industry. A lot of bookmakers are allowing users to use at least one type of crypto to deposit and withdraw. This further ensures that players’ information is kept safe and secure, but also allows for a lot faster transactions.

Cryptocurrencies

The gambling industry, like almost every other industry in the world, has been impacted by blockchain technology in the last decade. Digital money has been commonly recognized in the industry almost since it was first introduced.

Numerous players and companies are using crypto to play their favorite games online, place bets, and predict the outcomes of their favorite sports games. Perhaps, using crypto is now considered the most secure method of payment known to us until now. Therefore, it is not very surprising that companies added this form of cryptographic payment as one of the withdrawing and depositing methods.

Customer Experience

Considering that everything is going online, we can conclude that customer experience is now much better than before. Sportsbooks are doing their best to offer the best possible experience to the customers, considering the significant competition in the gambling industry.

The only way to do this is to offer the best possible customer experience and keep the players happy. Players can now play their favorite games, place bets, and watch the results in real-time from the comfort of their homes.