Why store files in the cloud?

Individuals and companies alike, quite reasonably, have data storage concerns. There are myriad ways to store important files and documents including external hard drives, flash drives and online companies that rent server space. While all available options have their advantages and disadvantages, one excellent way to keep your items safe and secure is by using the cloud.

The cloud has become a popular option for both consumers and the public. You might use it yourself. But do you know what the cloud is?

For the uninitiated, the cloud is defined as servers that can be accessed online, along with the software and databases that run on those servers. Cloud servers are located literally all over the world. Thanks to cloud computing, users don’t have to have their own physical servers or run software applications on their own computers.

Because the cloud holds files, users can access them from any computer or device, creating a significant convenience for them. So let’s say a computer or device becomes outdated, obsolete or irreparably broken. The files in the cloud are safe, available and accessible. Enterprise customers benefit from the cloud as well, since they don’t have to assume costs related to buying and maintaining their own physical server.

We know the cloud is convenient, but is it safe?

Even though using the cloud places your data and important files in the care of others, cloud computing does offer levels of security. For one thing, cloud servers themselves are usually set up in warehouses where they can’t be tampered with or accessed by unauthorized personnel. Also, files that are stored on cloud servers are encrypted, making it difficult if not virtually impossible for cyber criminals and hackers to access.

Additional safeguards include firewalls, which can either be hardware- or software-based, that are designed to filter out unwelcome traffic and keep out unwanted visitors. Also, cloud servers’ security tools are updated on an ongoing basis. As new updates become available, companies that own servers and lease server space are generally diligent about keeping security measures as current as possible.

One other level of security practiced by many if not most cloud companies is data backup, often to multiple other servers. Because cloud servers are computers, they can develop technical issues, so having several backup copies of your files ensures that you will always have access to them and nothing will be lost.

We’re now also seeing artificial intelligence, or AI, being used as yet another protective measure.

Cloud computing creates convenience, provides protection and helps contain costs. Lots of companies now offer the service, so whether you’re an individual, a small business owner or the head of IT at a major corporation, you should be able to find a provider that offers exactly what you need. Explore the marketplace and become informed. Even if you’re using hardware now to store files, it might be a practical idea to consider the cloud as well.

Online Security: 3 Easy Ways to Protect your Identity

In today’s world, internet hackers are smarter and savvier than ever before. You may not realize the dangers they can impose until your private email or online accounts are compromised. The good news is, there are things you can do to prevent these types of intrusions from occurring.

Here are 3 easy steps you can implement today to protect your security online.

Select a strong password

The first line of defense against a hacker is setting up a strong password for each of your online accounts.

Although it may be convenient to use a familiar word or numerical sequence that you can easily remember, such as an address, zip code, favorite car, or pet’s name, it’s far more effective to create a password that no one can crack. If you use a common password, it’s possible that a hacker could access your account, click on the “Forgot password” link and use information about you to guess your password.

Instead, create a strong password that includes a random combination of uppercase and lowercase letters, numbers, punctuation marks, and symbols. Write your password down and keep it in a safe place so that you can easily access it. The more complex your password, the less likely a hacker will be able to gain access to your accounts.

Beware of spam

One of the tricky ways hackers can infiltrate your accounts is by using spam or phishing tactics. When this occurs, your contacts will receive an email from the hacker (posing as you) asking them to click on an untrusted link. This, in turn, allows a hacker to access your personal information.

While it can be difficult to tell if your email account was abused in this way, a quick check of your sent email will help identify anyone who was targeted from your contacts list. If you do find someone contacted by the hacker, let them know immediately that you didn’t send the email to them and to NOT click on the link.

Two-factor authentication

In addition to passwords, a different type of security mechanism called two-factor authentication is becoming increasingly available. Using two-factor authentication ensures that even if someone has your password, they still need something else before they can get into your account. That can range from a fingerprint to a pin number. Two factor authentication simply allows you to protect your account with an added layer of security.

In the age of the internet, it’s unfortunate that users have to be concerned about the security of their private accounts, but taking a few extra precautions will go a long way toward maintaining peace of mind.

 

Fujitsu

A New Standard in Financial Processing – Fujitsu’s ScanSnap and HubDoc Accounting Software

 

A New Standard in Financial Processing

When technology and (GAAP) – (Generally Accepted Accounting Principles) work together in harmony, it is indeed a beautiful thing. Fujitsu continues to show a commitment to evolve each year and that is exemplified by their industry leading status of having the number one global image scanner market share for nearly a decade.

Working in the cloud creates more time to manage resources efficiently and increases workflow productivity. Deviceless scanning is even possible with Fujitsu’s ScanSnap Cloud, as it delivers scanned data directly from the ScanSnap iX1500 to your favorite cloud services, without a computer or mobile device. ScanSnap Cloud automatically classifies your scanned images as documents, receipts, business cards or photos, and sends them to the appropriate cloud service based on your pre-set profile, all while reducing paperwork.

Enter Hubdoc, a software company that helps accountants save time, scale their practice, and build deeper relationships with the businesses they serve by automating document collection and management. Hubdoc’s ever-growing partnership with Fujitsu pays dividends to both technology users and financial software end users. This new software is based on basic accounting rules that turn “shoe box accounting” into a digital workflow that is both intuitive and user-friendly. Simply put – Hubdoc enables businesses to easily and securely scan and submit financial documents to their accountant or bookkeeper from anywhere using the cloud.

Hubdoc allows you to collect, sort, and file all your physical documents onto the cloud in a secured “digital filing cabinet” that is easy to access and search. No more chasing documents or conducting manual data entry. Hubdoc makes it easy for the finance and accounting departments to access their small and large business clients’ financial documents. It automatically collects bank statements, bills, receipts, and invoices from hundreds of suppliers and financial institutions. Clients can also upload documents via Hubdoc’s mobile app, desktop, and email.

With the integration between Hubdoc and Fujitsu’s ScanSnap, going completely paperless is painless. Ultimately, the ScanSnap iX1500 helps you save time and money without ever compromising on the quality of your work.

The convergence is here. Fujitsu and Hubdoc now share a partnership designed for accountants in need of a better, more efficient way to service their clients.

With Hubdoc’s intuitive software integration with Fujitsu’s user- friendly hardware, the usual setbacks are a thing of the past. To learn more about Hubdoc’s accounting software benefits, please visit: www.hubdoc.com. To learn more about Fujitsu’s ScanSnap iX1500, please visit: www.fujitsu.ca

Check out the full article in the next issue of Money Magazine or online at  www.MONEY.CA/fujitsu

 

 

Ava Trade Collaboration with Friedberg in Canada

Ava trades now have much new collaboration, but one of the most important is with Friedberg in Canada, Collaboration with the oldest and well-known dealers of Canada.

Friedberg directly gets the licensed from the Ava trade technology to offer the Ava trades platforms to the participants of Canada.

This collaboration allows all the candidates to trade online on Friedberg platform by one of the most CFD and FX provider.

Friedberg directly attached with the Ava trade technology and provided all the multiple trading platforms. It offers 24/5 hours service and live support staff in 15 languages.

Friedberg and Ava’s trade provides all the essential aims of your candidates with easy access to financial markets and very further trading in other technology.

If you want to start trading with Friedberg, you have to visit the Friedberg Direct by Ava trade Canada

Open Account with Friedberg Direct

Friedberg is a client-friendly platform, and client start trading immediately. Canadian investor’s funds guard this platform within limits.

This collaboration spread the Ava trade technology all over the United States and increases its more customers.

This technology has broad array of CFDs including metals, and other things like stock, currency, pairs, single and large-cap stocks, as well as US, Japanese, Europeans large bonds.

Customers have the opportunity to trade with a fixed or floating extent.

If you want to start Trade business, you have to follow the following steps

  • You have to plan your business and choose the business structure, visit the market and write about your business.
  • Select the best name for your business because it is essential to select the name that registers and protecting your business.
  • The main point of your business is to express your business with the government and get the license.
  • Three levels of permit you need for your business, and you must get the license that helps you in future problems.
  • Get business sport and finance. It enhances your business in the market and helps you to promote your business widely.

How to Trade Stock Online

Everything is possible in these days, and you can start trade stock online as a business. There are some steps are mention that helps to start an online business like online Trade Stock.

  1. Open an Account
  2. Practice you trading
  3. Time to buy
  4. Understand the price
  5. Advanced orders

Open an Account

First, you have to set up an account and select the services that help you to trade online.

Many of the other sites required commissions, but Ava Trade is one of the best that is commission-free.

When you set up an account, you need to fill many forms and provide all the bank information but make sure that all the process is secure.

Practice your Trading

Many of the Ava trades sites provide many articles and videos to learn about the advantages of trading.

You need to practice your trading and learn about its advantages and disadvantages because this can guide you better.

In Ava trades, for bingers’ demo account are appear so firstly you have to create a demo account and learn about the basics of trading.

Time to Buy

When you are ready to buy, you select the symbol of a company and exchange the trades.

Select buy and buy the things at its original price and also you have to enter the number of sharing.

Order will show the total price without any commission. You’d get the confirmation status with your order and tell about the law if it filled.

Understand the Price

Stock divided into two prices the one price is bid price, and the other one ask price.

The bid price is the highest amount that can pay a buyer for a stock. But the asking price is the low price that the seller gets.

There is some difference between these prices like some cents. One thing keeps in mind that the market order will be filled at the current rate.

If the price of the market changes the cost of the order will also be changed according to real estimate.

Advanced Orders

Once you were starting comfortable trading, you will get more advanced options.

A limit order allows specifying the price of the order, and you are willing to pay. For example, if you want to buy 100 shares of some company but you don’t want to pay more than 20$, if you place the order in 20$, you don’t change the amount less than 20$.

You have to use the “stop-loss order” on each time that will automatically sell your stock and allow you to lock the orders that you gain.

If you received the benefit, you must stop the process of trading and understands your interest.

Leonard Daniel Wong

Leonard Wong Toronto – Raptors Throw Offers to Kawhi Leonard

Leonard – Wong – Toronto Raptors – Kawhi Offered Penthouse and Food for Life to Stay in Toronto

Leonard Daniel Wong

On May 29th Natalie Wong of Bloomberg reported that Leonard Kawhi of the Toronto Raptors was offered a penthouse condominium and food for life as an incentive to stay in Toronto.

Rumors of the super star basketball player are floating all around North America as the 2019 NBA finals come to an end. The quiet and humble basketball player has drawn comparisons to Michael Jordan and LeBron James as perhaps the best or one of the best basketball players in history.

It’s not over yet but with a leg up in the best of seven series with Toronto having home court advantage and already protecting game one for home court advantage means well; but it isn’t over till its over. To put down the Golden State Warriors 4 -time reigning championship team who have also been to the finals one other time in the last 6 years it will take a lot of hard work.

It is not just one single player that makes a champion but rather a team of well seasoned group members that will make a difference. Someone must step up and eventually dethrone a mainstay and consistent winner eventually. Americans, fans and pundits alike have mixed feelings. Does the U.S. support a perennial champion or do the go for the under dog? It seems like no one, but the Americans can be a dream team and win the NBA finals championship especially not an international team from foreign soil. After all its not a past time but a beloved game that was invented in the U.S. of A. They may or may not know it was created by Canadian James Naismith.

History repeats itself and times change. The Raptors are Canada’s team and not just that of Toronto. Everyone in Canada including the haters of the mega city are jumping on the band wagon by now and they will be endeared even more with one more win at home.  And finally, if Leonard and playmaker Kyle Lowry have their way, they will want to finish the job and cement their place in history as a team against all odds and a nation of new lovers and old-fashioned haters.

It’s the best of seven and as Canadian hockey fans know and understand this type of series. And will not make bold predictions for the outcome of its full and final finish they would love to see and be part of history in the making.

Canadians are quiet and humble just like Kawhi. But we carry a big stick made of Canadian hardwood lumber. And when its time to fight we will not shy away or back down from what is right. In game 2 and in the rest of the NBA Championship series at home or abroad the gloves are off, and we will dance with one that brought us. Even a near championship is an amazing feat of heroics most gamblers, bettors and basketball fans could not imagine. It’s a team game and we are thankful and grateful to see some of the best basketball played ever in the country. Mr. Naismith the father of the sport is on our side win or lose.

 

MONEY.CA

Toronto

416-360-0000

How Pilgrimages Are Increasing the Saudi Arabia Economy

More than 2 million Muslims from all over the world are gathering annually to complete the fifth and final pillar of Islam, which is the Hajj pilgrimage. Until the 1950s, the number of pilgrims coming from overseas was not bigger than 100,000, but by 2013 the total number passed the 3 million mark.

The cities of Makkah and Medina represent a major slice of Saudi Arabia’s non-oil economy, providing annual incomes of around $12 billion from food, transport accommodation and fees. But with these numbers looking to increase in the next years, how will the local population be affected by the on-growing development of commercial and accommodation sites?

Makkah And Madinah Pilgrimages

To better understand why these areas attract millions of religious visitors yearly, we must first take a look at the meanings behind the pilgrimages.

Makkah is the birthplace of Prophet Muhammad and hosts the Grand Mosque, house of the Kaaba. The Kaaba is Islam’s holiest ground, a stone structure clothed in black silk, built by the Prophet Abraham. Here, over 3 million Muslims gather once a year, on the last month of the Islamic calendar to complete the fifth and last pillar of the Muslim practice. The pilgrimage begins on the 8th day of the month and ends on the 12th or sometimes the 13th. All Muslims who are financially and physically able to make the pilgrimage, also known as Hajj, are expected to do so at least once in their life.

To complete the Hajj, every Muslim must first enter ihram (the sacred state of a pilgrim), wearing plain robes. Before crossing the outer boundaries of Makkah, the pilgrim must follow certain rules, such as restraining from anger or sexual activities. After entering Makkah, the pilgrims must follow an 8km journey to Mina, where they will be accommodated in tents. On the second day, they make a 14km journey from Mina to Arafat, where prophet Muhammad gave his last sermon. The second day of Hajj is considered to be one of the most important days of the Islamic calendar. The third days marks the longest day of the Hajj. Pilgrims return to Mina, where they perform the symbolic act of stoning the devil, by throwing seven pebbles at the Jamarat, the largest column. On this day, the men trim their hair and all pilgrims remove their ihram clothes. Many choose to return to Makkah to circle the Kaaba and walk between the hills of Safa and Marwah. Both actions are performed seven times. On the last two days, the pilgrims will stone the devil again, this time stoning each of the three pillars seven times. They will spend the rest of their pilgrimage days in Mina. Before leaving, the pilgrims return to Makkah to circle the Kaaba one more time.

Although not mandatory, after the pilgrimage in Makkah, many pilgrims chose to head to Madinah, where Prophet Muhammad is buried. Madinah is the place of another pilgrimage that, although not mandatory, is performed by millions of pilgrims yearly. The Umrah pilgrimage was performed by almost 7 million pilgrims in 2017.

While the Hajj is performed during a specific time of year, Umrah can be performed year-round and is much less time-consuming. It can be performed both in the Hajj period, prior to the actual Hajj pilgrimage, or separate. During the Umrah, similar rituals as those included in the Hajj are performed, such as circling the Kaaba and walking between the hills of Safa and Marwah.

Increasing Economy and Expansion Plans

One of the most important roles in Vision 2030, a development plan aiming to turn the focus of Saudi Arabia’s economy away from oil incomes, are played by Makkah and Madinah, as religious tourism represents 20% of the Saudi’s non-oil income. The plan, initiated by the Crown Prince Mohammed bin Salman bin Abdulaziz Al Saud, aims to increase the number of pilgrims traveling to Makkah and Madina, especially for the Umrah pilgrimage.

One of the important steps taken to increase the number of religious visitors was the ease of the quota system that was very strict until 2017. The visas were reduced by 20% in 2013, in order to ease the infrastructure works done at the Grand Mosque. By 2030, over 6 million pilgrims are expected to enter the gates of Makkah. Although the number of visas decreased, the demand for luxury hotels in Makkah increased, which left the Saudis confused. In 2016, the occupancy percentage in Makkah hotels was around 90% and if the expected targets for the following years are met, there is no wonder the hospitality sector is evolving at a rapid pace. But that is not the only sector expected to benefit from the increased number of religious tourists. Airline companies, telecom operators and catering firms are looking to expand their business, as the demands increase.

Another way of increasing revenue is the introduction of Umrah visa fees. While first-timers are exempt, future visits require a fee of around $500. There is also an Umrah Plus visa, which allows pilgrims to visit other non-religious sites across Saudi Arabia, combining religious and non-religious tourism. The number of Umrah pilgrims is expected to reach 30 million by 2030. Infrastructure upgrades are also ongoing, to facilitate the pilgrims’ arrival in Makkah and Madinah.

But as tourism increases and the demand for accommodation is at raise, another challenge arose. How is the on-growing population of Saudi Arabia going to fit in with the increasing number of religious visitors? A large number of both Makkah and Madinah residents found themselves overwhelmed by the extending number of developments made to meet the needs of pilgrims. The areas around both cities experienced a decrease in residential capacity, as various changes were developed, to make room for accommodation and commercial spaces. Vision 2030 appears to have a solution for this as well, as by 2020 home ownership is expected to increase from 47% to 52%. A solution is to utilize government-owned land to provide housing units at an affordable price. This is expected to decrease the price discrepancy between residential proprieties in the holy cities and Jeddah, the major urban center in the area.

James Dean of MONEY.CA and Money Magazine found this important link and website helpful https://www.saudiarabiavisa.co.uk/

 

Is IRS Debt Relief Going to Be Your Hero?

If you owe the IRS money, you may feel as if you’re in a hopeless position. The interest and fees the IRS adds to back taxes often amounts to a huge sum of money that may seem impossible to pay.

Don’t give up. If you owe the IRS money, you may qualify for debt relief. While this option is not for everyone and the application process is complex, debt relief provides a reprieve that can help you salvage your confidence, improve your finances, and get your life back. Discover four ways IRS debt relief can help you.

Avoid Wage Garnishments

Image via Flickr by Tax Credits

If you disregard your tax obligations, the IRS can garnish your wages. However, if you’re participating in a debt relief program, the agency won’t take this step. Going the debt relief route can save you the embarrassment and financial distress that accompanies wage garnishment.    

Reduce Your Tax Burden

Possibly the greatest benefit of debt relief is that it may reduce the amount of money you owe the IRS. Get professional help to try to make your tax debt more manageable. If you qualify for debt relief, you may be able to pay a reduced lump sum, called an Offer in Compromise. This option gives you the chance to pay a smaller amount of money as your full and final amount. 

You may also qualify for a long-term payment plan. This type of plan can allow you to pay off your tax debt at a reduced dollar amount over several months or years depending on the amount you owe.

Provide Stress Relief

Owing the IRS money is a huge stressor that can affect almost every aspect of your life, but qualifying for debt relief can help. If you’re able to reduce what you owe the IRS, the amount of stress you’re under can decrease. The plan the IRS will give you to follow can help with anxiety as well.

The payment plan you will use to pay off your tax debt can help you make short- and long-term financial goals. This flexibility can give you a sense of control that can help with stress and anxiety.

Improve Physical Health  

Mental health and physical health are intertwined and improving one can improve the other. Since you could likely enjoy decreased levels of stress after qualifying for a debt relief program, you may find that your physical health improves.

Stress can cause heart problems, digestive issues, sleep disorders, fatigue, and a host of other health problems. When they reduce stressors, people often find that many of their physical ailments diminish as well.  

Qualifying for debt relief from the IRS won’t solve your money problems, but it can lift some of the burdens that go along with them. While you still must pay the IRS what you owe, you may find you’re able to pay a reduced amount, enabling you to reduce your debt more quickly. Qualifying for debt relief can also allow you to avoid wage garnishment and the distress that accompanies it. These combined benefits can reduce your stress levels, possibly leading to improved mental and physical health.

James Dean Editor-in-Chief of MONEY.CA and Money Magazine found this article from Tax Crisis Institute to be helpful, informative and relative to tax problems and issues with the IRS. https://www.taxcrisisinstitute.com/blog/wage-levy-vs-wage-garnishment-difference/

www.taxcrisisinstitute.com

 

4 Key Facts About the Safety of Digital Signatures

If you’ve closed on a mortgage, applied for a loan, signed a contract, or shopped for groceries, you’ve likely used an electronic signature. Digital signatures take ID security to a new level, adding an extra layer of encryption. Conducting financial transactions over the internet without digital signatures is difficult if not outright impossible, and you should get to know what they are, how they work, and what precautions to take when using them.

What Is a Digital Signature?

An electronic signature has two main parts: the signer’s intent to sign the document and a document that is verifiable as being signed. Digital signatures link the signer and the document by embedding a digital code, like a fingerprint, into the document. When signed, the person signing must have a digital certificate, which is an ID code.

Digital certificates are issued by certification authorities, trusted third-party organizations. They provide two digital keys for each certificate: one public and one private key. The person who is signing can give the public key to the originator of the document and use the private key to sign it; these keys are electronically matched up and verified.

The digital certificate is linked to the specific organization issuing the document to be signed and is valid only for a certain amount of time. The technology that makes this capability possible is called Public Key Infrastructure, or PKI. If the public key and private key do not match, the document originator will know the signature is fraudulent. With their exceptional safety, digital signatures are especially useful for financial transactions.

How Do Digital Signatures Work?

Each digital signature consists of a complex code created by a computer for data encryption. If an email document gets signed digitally, first the signer opens the document file and clicks “sign.” The message is encrypted by the signer’s computer or device to include the private key that creates the digital signature.

The signer next sends the email to the person who needs to receive the signed document and, with it, the encrypted digital signature. The application on the recipient’s computer decrypts the digital signature using the public key and matches the public and private key to make sure they belong to the same digital certificate.

Are Digital Signatures Legal and Enforceable?

In 2000, the United States passed the Electronic Signatures in Global and National Commerce Act (ESIGN), and the European Union passed a similar provision in 1999. These acts made an electronic signature or digital signature legally binding, just like a signature on a paper document.

The technology, along with the regulations that apply to it, is constantly evolving, and encryption security is improving. Various countries and individual industries have specific compliance standards that must be met, including the banking system.

What Safety Precautions Should You Take?

Digital signatures are extremely secure. Their entire purpose is to provide extreme security while signing confidential or sensitive documents. However, to maintain this level of security, it pays to keep certain precautions in mind such as the following:

  • Use a secure email account that is not accessible by any other individual, such as a shared work account.
  • When creating passwords, use unique combinations of letters, numbers, and symbols that are hard to guess.
  • Do not send or receive digital signatures over a public internet connection, and make sure private Wi-Fi networks are encrypted.
  • When signing a document, make sure that the originator is using a reputable certificate authority using the PKI protocol.
  • Make sure that the application you are using to sign a document is compliant with e-signature laws.
  • When multiple signatures are required, use a digital signature application that applies encryption to each signature as it is added, with an accurate time stamp, instead of encrypting all signatures as a group.
  • Check the vendor’s cloud storage security protocols.

When you’re doing business in today’s global economy, digital signatures are vital to transmitting confidential information, particularly in the banking industry. They are safe, legal, and constantly improving their level of encryption and security. Still, you want to make sure your digital certificate provider and signature application are as compliant, reputable, and secure as they can be before putting your name and money on the line.

Search Engine Optimization

Parxavenue Top Calgary Search Engine Optimization Company – SEO and SEM

What’s the point of building a website if it’s going to rank on Google’s last page?

Building a website in 2018 is a lot different than it was 10 or 15 years ago. Back in the day; companies could create a website and use all kinds of flashy and spammy methods to rank their site in search engines, and it was quite easy to do. Search engines’ algorithms have become a lot smarter in the past decade and can now detect these old-school methods in a matter of seconds. Can you imagine a time when you can rank on Google’s first page 24 hours after building a website stuffed with 20 exact match keywords? Ranking your site used to be, that easy!

Many penalties have been given out lately as algorithms get smarter with the growth of technology. If your website has been penalized in any way whatsoever, many experts in the SEO industry will tell you that it might be easier to purchase a new domain and start fresh. Recovering from a penalty is time-consuming. Building back the trust you once had, won’t be easy – possible, yes, but not easy.

Parxavenue Ltd. an excellent SEO company based in Calgary, Alberta; has experimented with multiple domains, using all major search engines to see how hard they can “push.” The answers didn’t come right away, but after a few short months, they did find out how easy it is to receive a penalty and even have your website de-indexed!

Search Engine Optimization
Calgary SEO – Calgary SEM – Parxavenue Top Search Engine Optimization

If your SEO staff, team, or agency is using “Old-School” methods today in 2018, be aware that these techniques will catch up to you faster than you might be thinking. The best-ranking websites from any niche market have a very natural flow to them, using exact match keywords only when completely necessary. When working with the best SEO tools on the market today, it is quite clear that you have to follow Google’s best practices and again, that’s how simple it is. “Don’t be Evil” For helpful information regarding the best ways to go about working on your own website’s SEO, please click here.

The Growing Problem With E-Mail Security

E-mail security has been a huge issue since the technology’s emergence in the mid-1990s, and for all of our tech sophistication and heightened awareness of the problem, it’s only gotten worse.

Cybersecurity specialist Kazpersky Labs, for example, reports that while the volume of spam dropped last year, the firm’s tracking showed a 59 percent jump in phishing attacks. But the bad actors are a creative lot – just when you think you have a handle on one e-mail scam, they change tactics and you have to adjust your defenses.

Throughout most of 2017, for example, the types of e-mail to look out for contained malicious URLs, linking back to sites hosting malware. Proofpoint found the volume of these e-mails jumped by 600 percent in the third quarter – a 2,200 percent from the same 2016 quarter. But by the fourth quarter, cybercriminals switched their preferred scamming methods from malicious URL use to messages carrying malicious attachments. The volume of these messages jumped by 300 percent during the fourth quarter from the third.

Keeping up is almost like trying to win at the whack-a-mole game.

It’s fascinating (in a train wreck kind of way) to look at the ebbs and flows of the scams that the bad guys use to convince people to act, and how adept they are at seizing on major events and issues to get past their guard.

Last year’s big opportunities?

The FIFA 2018 world cup preparation, giving rise to fraudulent, if official-looking messages about lottery wins and promising free tickets. And the cryptocurrency craze has provided a rich vein of blockchain-themed tricks, like malware-laden websites disguised as cryptocurrency exchanges. Another trick is malware in spam emails, billed to be utilities for earning Bitcoins.

There is a cost to all this. Phishing scams alone cost American businesses about $500 million a year. But there are a lot of impacts of cyber attacks – obvious and those beneath the surface – to think about, as a study by Deloitte showed.

The firm identified 14 cyberattack impact factors with direct and/or intangible costs that will add to the pain of a major cyber incident. The direct costs ranged from attorney fees and litigation to customer notification, and technical investigation to cybersecurity improvements. Beneath the surface? Operational disruption, for one. Then there are increases in your insurance premiums and the lost value of customer relations and contract revenue. It’s not a pretty picture for potential damage, Deloitte’s modeling showed.

Any number of solutions will help mitigate the risks that come with our increasing dependence on e-mail as a fast, efficient and inexpensive way to communicate with each other.

The best place to start is to make people aware and equip them to be on guard against malicious e-mails that might make their way into e-mail boxes. The tips bear repeating: Never click on a link or an attachment on an unsolicited e-mail. Always check the sender. Bad actors can be quite skilled at replicating logos to look like the real deal, but your bank is not going to ask you to share sensitive information like your social or account number or bank account password through this channel. And common sense applies. Offers that seem too good to be true usually are, especially if the outreach is out of the blue.

But e-mail security issues have a broad scope, and are an enterprise-wide concern. It makes a holistic, enterprise wide approach to secure messaging the imperative for any organization that exchanges sensitive information with customers.

The way of the future? Increasingly, it’s moving toward integrative solutions that enable users to control, track, share and protect sensitive business information as a means of heading problems off at the pass.