Cyber-crime is any illegal activity conducted via the internet, a computer or computer network. The U.S. Department of Justice calls it “one of the greatest threats facing our country.” Large-scale cyber-attacks often get top billing in the media, but every business is a target.
A Look at Cyber Crime
The breadth of cyber-crimes ranges from social media scams to attacks on IT infrastructure systems. There are four common cyber-attacks, but the kinds of attacks grow and change daily, leaving organizations vulnerable.
Phishing Scams – Phishers pretend to be legitimate companies and use spam, fake websites, emails, and instant messages to fool people into providing sensitive information or clicking on a malicious link.
Malware – The intent of malware is to damage or disable computers or computer systems – often for the purpose of extracting a ransom. It is typically introduced via email attachments, downloads, or operating system vulnerabilities.
Password Hacking – More than 90% of user-generated passwords are vulnerable. Password hacking occurs when a con artist attempts to access computer systems by figuring out passwords.
Distributed Denial-of-Service (DDoS) Attacks – Hackers disrupt the computer network by sending high volumes of data or traffic through the network, thereby overloading it and causing business to come to an abrupt halt.
How HR Can Help Prevent Breaches
There are many steps organizations can take to protect against a cyber-crime, including frequently updating firewalls, conducting regular assessments for vulnerabilities and malware, restricting the use of unauthorized removable media devices, performing regular system backups, creating clear password policies, and providing ongoing employee education.
While the threat of a cyber attack can never be completely eliminated, HR teams alongside IT professionals can play a crucial role in the fight against cyber-crime.
Much has been written about generations in the workplace, most of it focused on baby boomers and millennials. Just like a middle child, members of Generation X have been largely overlooked with regard to their long-term financial needs.
Considering that the youngest members of this generation, born between 1965 and 1980, are now reaching their 50s —peak wealth accumulation years for most people—it’s high time for that to change. Weber Shandwick’s study, Leveraging the Gen X Retirement Market: From Overlooked to Opportunity, discusses the financial needs of Gen Xers for the benefit of financial advisors. Its insights may also be useful for employers seeking to help this segment of their employee population.
Gen Xers were up-close witnesses to the recession of the early 1990s at a critical point in their lives. They were just emerging from their so-called slacker period and launching their careers. They were hit again as the first wave of them entered their early 40s, and the Great Recession swept away much of their financial progress. According to the Pew Charitable Trusts, Gen Xers took the biggest financial hit among the generations during that time, losing almost half (45%) of their total wealth in a four-year period. (Pew Research Center, “Generation X: America’s Neglected ‘Middle Child’”)
This information isn’t a surprise to members of Gen X; the study reveals many are worried about their long-term financial security, especially when asked about financing their health care as they age. The worry doesn’t seem to be motivating additional saving, though. This group wants and needs financial strategies, programs, advice and encouragement.
As you research and implement strategies to help Gen Xers save more for their retirement, your ISG Financial Advisors’ Account Executive has a number of resources that can help. Some of the ideas offered up by the Weber Shandwick study include:
Read the study online at http://tinyurl.com/Weber-Shandwick-GenX
For plan sponsor use only, not for use with participants or the general public. This information is not intended as authoritative guidance or tax or legal advice. You should consult with your attorney or tax advisor for guidance on your specific situation.
Kmotion, Inc., 412 Beavercreek Road, Suite 611, Oregon City, OR 97045; www.kmotion.com
© 2016 Kmotion, Inc. This newsletter is a publication of Kmotion, Inc., whose role is solely that of publisher. The articles and opinions in this publication are for general information only and are not intended to provide tax or legal advice or recommendations for any particular situation or type of retirement plan. Nothing in this publication should be construed as legal or tax guidance; nor as the sole authority on any regulation, law or ruling as it applies to a specific plan or situation. Plan sponsors should consult the plan’s legal counsel or tax advisor for advice regarding plan-specific issues.
The third week of October is National Health Education Week, which aims to educate Americans on how chronic diseases can be prevented, delayed, or alleviated through simple lifestyle changes.
According to the Centers for Disease Control and Prevention, chronic diseases are the leading cause of death and disability in the U.S. – 45 percent of the population has at least one chronic disease. Chronic diseases can be disabling and reduce a person’s quality of life, especially if left undiagnosed or untreated. But they are often preventable, and are frequently managed through early detection, improved diet, exercise, and treatment therapy.
In 2016, more than half of adults aged 18 or older did not meet recommendations for physical activity. And more than one-third of adults said they ate fruit less than once a day, while 38 percent of adolescents and 23 percent of adults said they ate vegetables less than once per day.
The amount of health information may seem overwhelming, but there are really only a few basic tips to keep in mind.
Eat healthy. Small changes in eating habits can make a big difference. A healthy diet means eating fruits, vegetables, whole grains, low-fat milk products, fish, poultry, lean meats, eggs, beans, and nuts. It can also protect you from heart disease, bone loss, Type 2 diabetes, high blood pressure, and some cancers.
Get moving. Physical activity increases your chances of living longer; helps you control your blood pressure, blood sugar, and weight; raises your “good” cholesterol; and can prevent heart disease, colorectal cancer, and Type 2 diabetes. Start at a comfortable level, and once you get the hang of it aim for 2 hours and 30 minutes of activity each week. If you don’t have time for 30 minutes of exercise at one time, get moving for shorter, 10-minutes periods throughout the day.
Watch your weight. To stay at a healthy weight, you need to balance the calories you eat with the calories you burn. To lose weight, you need to burn more calories than you eat.
Get enough calcium. Calcium helps to keep bones strong and less likely to break. Adults ages 19 to 50 need at least 1,000 mg of calcium daily.
Manage stress. Worried, irritable, depressed, and unable to focus are common signs of stress. Other signs include headaches, trouble sleeping, weight gain or loss, and back pain. It’s important to manage stress in order to sleep better, improve concentration, get along better with others, and reduce neck and back pain.