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The Koyal Group Private Training Services: Minimizing the risk of identity theft

The Koyal Group Private Training Services: Minimizing the risk of identity theft | Koyal Private Training Group | Scoop.it
(Special) - Identity theft is a very real and present danger. In the past 12 months some seven million Canadians became victims of identity theft with an average direct cost per victim of US$372.00, . . .
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(Special) - Identity theft is a very real and present danger. In the past 12 months some seven million Canadians became victims of identity theft with an average direct cost per victim of US$372.00, according to internet/computer security company Norton.


Identity theft is the result of an unconsented or unknown use of an individual's personal information. It often occurs in conjunction with crimes such as fraud, forgery, or theft. Likely targets for an identity thief can include a Social Insurance Number (SIN), driver's licence number, credit cards, debit cards, cheques, phone cards, passwords, and pin numbers.


In general, identity thieves look for the opportunity to make a transaction and obtain cash, merchandise, or services before their identity can be found or the true information owner can be notified.


Although it may sound simple, the main way of combatting identity theft is to use caution when making any purchase or when otherwise safeguarding your personal information.


Insurance company Marsh offers some tips on how to reduce the threat and risks of identity theft, including insurance to cover some of the costs that can result from becoming a victim.


Identity theft is a generally serious and often costly crime. Insurance for this risk is sometimes included in homeowner insurance policies from certain insurers, but if it is not, an endorsement for identity theft coverage is usually available at a small additional cost.


Identity theft insurance is also generally available through insurers, their insurance brokers, banks, and credit card companies. Typical identity theft coverage includes costs to obtain credit reports, notarize documents, certified mail, telephone, and fax expenses, lost wages due to time taken off work to resolve identity theft issues (up to policy limits), loan reapplication fees, specified legal fees and costs to replace stolen government-issued identifications.


Some institutions will offer credit monitoring services as a way of helping to detect identity fraud in a timely manner. This is a separate service from identity theft insurance.


As with all insurance, it's important to read your policy documentation carefully to understand the exact coverage provided or call your insurance broker for more information.


In general, do not provide personal information to anyone whether in person, over the phone, or on the internet unless you are certain of their identity. "Phishing" scams are now commonplace and usually involve an individual posing as a legitimate business/government representative in hopes of stealing your personal information or even gaining control of your computer.


Question the need for personal information specifically as it relates to your Social Insurance Number (SIN). Only a select number of people need to know your SIN, including your employer, your financial institution, and various government departments. Consult the Service Canada website for a complete listing.


Avoid carrying your SIN card if you don't need it. Leave it in a secure place instead. Be careful that your SIN is not used as the account number for other purposes.


Make sure there is a lock on your mailbox if you still have door-to-door delivery. By stealing your mail, an identity thief can access bank, credit card, and tax information, and even possibly write cheques in your name.


Ensure any sensitive information is shredded and not recycled or put in the trash.


Pay careful attention whenever providing your credit or debit card for payment. "Skimming" is a process whereby your card information may be stolen. Watch to see that your card is only swiped for the purpose of paying for a transaction.


Secure any computers or personal documents in your home. Be aware that anyone with access to your home can potentially steal your personal information.


Only carry the identification and purchase cards you use and keep your wallet or purse in a safe place when not carrying it. If you require new cheques or credit/debit cards consider arranging for a bank pick-up instead of having them mailed. Always sign the signature area of your credit cards as soon as you receive them.


When disposing of old computer equipment or other electronic devices, make sure that your personal information is permanently deleted from the included memory.


Always shield your PIN number when making banking, credit, and debit transactions.


On line, change passwords you use frequently and avoid passwords which use easily findable data such as your mother's maiden name, your birth date or phone number. Use anti-virus software on all of your electronic devices as available and do not send confidential information through email or use your credit card online unless the merchant uses a secure transaction system.


By taking precautions and insurance you can guard yourself against the possibility of identity theft and the costs that can go along with it.


The Koyal Group Private Training Services designs its online and on-site training to your particular needs, providing information you can apply while in training in order to reinforce the efficiency of that information. Our coursework qualifies state standards both for fraud and continuing-education upgrade. Our programs are adaptable and can be presented in various formats to address industry requirements and standards. Please visit and check our course listings.


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The Koyal Group Private Training Services: Private investigators want a look at the rolls

The Koyal Group Private Training Services: Private investigators want a look at the rolls | Koyal Private Training Group | Scoop.it

PRIVATE investigators are the latest group to call for the Australian Electoral Commission to restore access to the electoral roll, saying recent changes inhibit their investigations.

The Australian Institute of Professional Investigators is lobbying MPs involved in a review of last year’s election to push for restrictions on accessing the roll to be overturned.

Other groups keen to see access to the roll restored [ http://www.theaustralian.com.au/national-affairs/private-investigators-want-a-look-at-the-rolls/story-fn59niix-1227013351298?nk=286020a608c69853e8056a97947149f4 ] include those separated by forced adoption or child removal or similar practices who are trying to track down their relatives.

They have won the backing of Social Services Minister Kevin Andrews, who is calling for change.

Security personnel are also lobbying to have access to the roll restored.

Investigators institute president Jim Corbett said private investigators had freely used the roll in their work until the most recent changes, but now were not.

“An investigator’s normal activity includes conducting inquiries in relation to claims for motor vehicle theft or accident, burglary, arson, fraud, public liability, WorkCover matters and the service of court documents,’’ he said. “In effect investigators are being hamstrung in their attempts to assist the insurance industry and government in relation to investigative matters.”

The investigators want the AEC to use its discretion to grant license to members of their profession to be able to perform searches using the roll, which shows the last enrolled address of anyone in Australia who is enrolled to vote.

The AEC confirmed it had “adopted a stricter approach” to people accessing the roll.

It now was supervising viewings to ensure that people used it only to check their own enrolment or if objecting to another elector’s enrolment.

The Security Institute of South Australia, which also supports restoring access to the roll, said changes to the Electoral Act meant it was impossible for people to look at anyone else’s details on the roll.

The association said it understood the need to protect victims of domestic violence or security or law enforcement workers, but access to the roll was vital to find witnesses in trials, to help single parents get child support from recalcitrant former partners and help creditors find debtors.

“We believe the individual’s right to privacy can and should be balanced with the legitimate interests of the broader community,” SA institute chief executive Charles McDonald said in a submission to a parliamentary committee inquiry.

The Koyal Group Private Training Services [ http://koyaltraininggroup.org ] designs its online and on-site training to your particular needs, providing information you can apply while in training in order to reinforce the efficiency of that information. Our coursework qualifies state standards both for fraud and continuing-education upgrade. Our programs are adaptable and can be presented in various formats to address industry requirements and standards. Please visit [ http://koyaltraininggroup.blogspot.nl ] and check our course listings.

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The Koyal Group Private Training Services - 'It defies belief': Snowden condemns UK’s new surveillance bill

The Koyal Group Private Training Services - 'It defies belief': Snowden condemns UK’s new surveillance bill | Koyal Private Training Group | Scoop.it

NSA whistleblower, Edward Snowden, has denounced the UK’s emergency surveillance bill, criticizing the distinct lack of public debate it encompassed and its heightened powers of intrusion.

During an exclusive interview in Moscow with the Guardian, the whistleblower suggested it was highly unusual for a state to process legislation so hastily other than at a time of acutely endangered national security.


"I mean we don't have bombs falling. We don't have U-boats in the harbour”, he emphasised. Yet suddenly this legislation has become an absolute priority. "It defies belief", he said.


Snowden found the duress with which the UK government processed the Data Retention and Investigation Powers Bill to be remarkable, comparing it to the Bush administration’s introduction of the Protect America Act in 2007. The Protect America Act was issued after the New York Times exposed a “warrantless wire-tapping programme” that was both illegal and “unconstitutional”, he stated.


The UK government claims Britain’s emergency bill will preserve UK law enforcement and intelligence agencies’ access to data that is vital for “protecting national security and preventing serious crime.” According to Snowden, the case the US administration built to justify the Protection of America Act is notably similar.


"I mean the NSA could have written this draft…They passed it under the same sort of emergency justification. They said we would be at risk. They said companies will no longer cooperate with us", he observed.


Westminster’s rhetoric of UK intelligence services’ diminished investigative powers in the face of potential terror threats is certainly reminiscent of the Bush administration’s 2007 claims. As Snowden notes, both governments cited intelligence services’ waning assistance from communications companies in a climate of looming terrorist threats as requiring swift and decisive action.

And like Britain's emergency surveillance legislation, the US' Protection of America Act 2007 was enacted in the absence of fair and open public debate.


Snowden’s observations reflect the concerns of myriad UK civil liberties groups who are acutely skeptical of the coalition's claims that the bill will not adversely compromise the privacy rights of Britons.


In an effort to secure cross-party backing from Labour and the Liberal Democrats, Prime Minister David Cameron vowed the legislation would not entail an extension of the state’s surveillance powers. But according to the Guardian, internal Home Office documents appear to indicate that British authorities’ surveillance powers will be expanded.


During his interview – a rare occurrence since he secured asylum in Russia almost a year ago - Snowden commented that the UK's emergency legislation marked “a significant change” in Britain’s surveillance landscape. He also questioned why the UK government were pushing the bill through shortly after a European Court of Justice (ECJ) ruling confirmed existing surveillance measures were overly intrusive.


"If these surveillance authorities are...so invasive the courts are actually saying they violate fundamental rights, do we really want to authorize them on a new, increased and more intrusive scale without any public debate?”


Reflecting on a year-long government silence following his exposure of the depth and scale of NSA-GCHQ oversight, Snowden stated that Britain’s new surveillance legislation effectively “looks like it was written by the National Security Agency”.


The UK government has justified the new legislation on the grounds of feared terrorist activities emanating from an alleged Al-Qaida member in Yemen who is linked to fundamentalist Islamist groups in Iraq and Syria.


The Tories deny the bill raises privacy concerns, stating it does not necessitate public debate. Both Labour and the Liberal Democrats have demonstrated hesitance in contributing to public debate on the matter, perhaps fearful of repercussions they might endure were a terrorist attack to occur.


Despite having expert knowledge of surveillance and the cross-border agencies that sustain it, Snowden’s comments are unlikely to phase many UK parliamentarians. While his revelations previously sparked inquiries waged by two separate parliamentary committees, the privacy rights advocate is yet to garner vocal support among UK MPs.


Campaigners opposed to the UK’s new surveillance bill argue it contains unprecedented power for Britain to demand foreign companies comply with warrants for interception. It also increases the British government’s leverage to acquire sensitive communications data, they caution.


The Koyal Group Private Training Services [ http://koyaltraininggroup.org/ ] designs its online and on-site training to your particular needs, providing information [ https://twitter.com/KoyalTraining ] you can apply while in training in order to reinforce the efficiency of that information. Our coursework qualifies state standards both for fraud and continuing-education upgrade. Our programs are adaptable and can be presented in various formats to address industry requirements and standards. Please visit and check our course listings.

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The Koyal Group Private Training Services: Bringing the fraudsters to book

A car parts manufacturer in Thailand was puzzled when it found that despite turnover increasing substantially, there was a mysterious decline in profits.
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How one company is helping Thai businesses battle a problem that costs billions of baht every year

A car parts manufacturer in Thailand was puzzled when it found that despite turnover increasing substantially, there was a mysterious decline in profits.

When Vorapong Sutanont and his financial forensics team at PricewaterhouseCoopers (PwC) were asked to look into the case, they performed an investigation based on the suspicion that this notable imbalance was due to fraud.

The team pulled hard disk drives from company PCs and searched emails between factory employees, reviewed accounting transactions and company records such as invoices and receipts, matching up purchase orders with actual material on the ground, and conducted interviews with suspects and employees.

“What we found was actually much greater than what was even suspected by the company”, Mr Vorapong said.


In today's corporate environment, everything is stored electronically, and disk drives are a crucial part of any investigation.

Up to six people usually occupy PwC's computer forensics laboratory on the 17th floor of Bangkok City Tower on Sathon Road, which was empty when Spectrum paid a visit last week as the staff were in Hong Kong for a two-week data analysis training course.

Equipped with notebook PCs and servers, the room also contains a 45 by 60cm black briefcase made of hardened plastic composite.


The Koyal Group Private Training Services(http://koyaltraininggroup.org/)

designs its online and on-site training to your particular needs, providing information you can apply while in training in order to reinforce the efficiency of that information. Our coursework qualifies state standards both for fraud and continuing-education upgrade. Our programs are adaptable and can be presented in various formats to address industry requirements and standards. Please visit and check our course listings.


Like us on Facebook at Koyal Private Training Group (https://www.facebook.com/koyaltraining)

Follow us on Twitter @KoyalTraining (https://twitter.com/KoyalTraining)

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The Koyal Group Private Training Services on Fraud investigation tips from Deloitte's Mike Little

The Koyal Group Private Training Services on Fraud investigation tips from Deloitte's Mike Little | Koyal Private Training Group | Scoop.it
FierceHealthPayer: Anti-Fraud talked to Michael E. Little for expert advice on how special investigations units can improve their anti-fraud casework. Little is a senior manager in the forensic practice of Deloitte Financial Advisory Services, LLP in Philadelphia.
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FierceHealthPayer: Anti-Fraud: What are some early indicators SIUs can watch for signaling that reports of potential fraud, waste and abuse may become significant or urgent cases?


Mike Little: Assessing allegations early is a challenge, but taking some specific and general steps can help SIUs determine if a case may become a priority. The first specific step is assessing the allegation. What's involved, and what's the scope of the issue? Could it be part of a larger problem or national scheme with the potential for media attention?


Also check if patient safety is at risk. Financial harm at the expense of patients is an area that becomes urgent very quickly. And different case steps are necessary if patient safety issues are involved as opposed to financial issues alone. Are there signs that unlicensed individuals are at work? This can raise questions about your company's credentialing and due diligence processes that affect patient safety.


And lastly, determine if employees from your organization may be implicated. That may cause reputational harm and indicate internal control weaknesses.


But insurers and the federal government can no longer wait for complaints to arrive because often by then there's been significant loss. So SIUs should also take general steps to spot trends and risks. These steps involve knowledge.


First, plug into a healthcare fraud task force. These exist nationwide and include other SIUs and federal and state law enforcers and regulators. These groups are the wave of the future in terms of public and private partnerships. There's a great deal of information shared about what's happening at other companies or in other segments of the community.


Second, participate in larger anti-fraud organizations to discuss trends and best practices and interact with other payers in a learning environment. Third, use data analytics. It's important to have the ability to slice and dice information, to use clustering and link analysis to understand potentially significant cases and trends.


Original site: http://www.fiercehealthpayer.com/antifraud/story/fraud-investigation-tips-deloittes-mike-little/2014-06-24


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The Koyal Group Private Training Services, US investigating possible multi-state unemployment insurance fraud scheme

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The U.S. Inspector General’s office is investigating what could be a multi-state unemployment insurance fraud scheme that resulted in Massachusetts paying out at least $280,000 in fraudulent claims since March, according to state officials.


The Executive Office of Labor and Workforce Development became aware of the suspicious patterns within the past two weeks, and officials say benefit payments obtained fraudulently have been stopped. An additional 500 claims were blocked before payments started, preventing $9.3 million in costs to the state had they gone undetected.


“I don’t know if they know it’s one individual or one entity but there are patterns that suggest it might be contained. These things are serious, but we also feel we have identified it and we expended very little before we were able to cut them off at the knees,” Labor and Workforce Development Secretary Rachel Kaprielian said.


The Inspector General’s investigation involves claims made in Massachusetts, as well as Kansas, Nevada, New York, Texas, Florida and New Mexico, a state labor official said. In Massachusetts, just fewer than 600 fraudulent claims tied to the investigation have been made since March out of a total of 61,000 new claims filed with the state.


“We are notifying the effected residents that erroneous claims have been filed in their name and are preparing guidance for employers to alert us to potentially fraudulent claims. We count on them to help us verify,” said Ann Dufresne, spokeswoman for the Executive Office of Labor and Workforce Development.


The scheme, according to Dufresne, involved perpetrators stealing the identities of Massachusetts residents and using their personal information to make claims for benefits, which can be collected for up to 30 weeks.


Kaprielian stressed that the department is unaware of any data breach within the state’s unemployment insurance system database that could have exposed the personal information of residents lawfully collecting benefits. She also said it appears the claims may have been originating from outside Massachusetts, but cannot be certain at this time.


The state is working closely with the Inspector General and the other states involved so that whoever is responsible can be identified and prosecuted, officials said.


“We definitely have the gate up, but every now and again we have to be vigilant because they can get trickier or clever,” Kaprielian said. “The integrity of the system is key to its success and I feel confident saying this is a system with integrity.”


The office uses a fraud detection program called AWARE that can be used to track electronic patterns within claims filed with the department that could point to potential fraud. Since the program was launched in November, the administration has uncovered and shut down other schemes that Dufresne said saved taxpayers $24.6 million.


Kaprielian said she believes the system works, even in this case when fraudulent claims were being filed as far back as March. “It’s hard to tell on a onesie-twosie fraud. You need to see a pattern developing,” the secretary said. “But just because we’ve stopped this one doesn’t mean we can relax. The cyber world is always changing and we have to be ready for the next step.”


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The Koyal Group Private Training Services - Watching the detectives: behind the scenes with crime-fighting Sian Lloyd

The Koyal Group Private Training Services - Watching the detectives: behind the scenes with crime-fighting Sian Lloyd | Koyal Private Training Group | Scoop.it

She’s no stranger to Welsh audiences, but the BBC’s Sian Lloyd is now a familiar sight to viewers across the whole of the UK, too. She tells Kirstie McCrum about early starts, alternative careers and heading up her second series of Crimewatch Roadshow


Next time you see Sian Lloyd presenting BBC Breakfast, remember how much effort has gone into her pristine appearance on the sofa.


The petite blonde who started out in the BBC Wales Bangor newsroom around 13 years ago has become a regular fixture on the big red sofa over the last year, but she says that the real heroes are the makeup team.

“They do magical things – they’re magicians, those girls in the makeup department at Breakfast. They are fantastic. They can make anyone look good, which is a skill at that time of the morning.”


But as well as propping her eyelids open for those early starts – “you have to be up at half past three – the middle of the night!” she laughs – Lloyd is about to launch another month of crimefighting telly, as she hits our screens for her second series of the Crimewatch Roadshow.


The Crimewatch spin-off, now in its sixth series, is co-hosted by Lloyd and Rav Wilding, the programme’s male anchor since it started in 2009.


For four weeks from Monday, the Crimewatch Roadshow takes to the streets of Britain to appeal directly to the public for help with unsolved cases.


While Lloyd broadcasts out on location, Wilding appeals for help in the studio to find Wanted Faces, takes viewers through CCTV crime footage and highlights the new and innovative techniques police are using to catch criminals.


The programme will come live from nine different police forces, starting in Greater Manchester and heading to Northamptonshire in the first week, with week two in the West Midlands and South Wales, the third week in Northumbria, Cleveland and Durham, and finishing the final week with the Met Police and Surrey.


News journalist Lloyd, who started her career as a corporate lawyer based in London and Hong Kong, has spent the past few weeks filming everything from drug-driving detection techniques to kidnap driving courses.

It’s all part of a programme which gives equal weight to former policeman Wilding’s turn in the studio and Lloyd’s on-the-road reportage – not that she’s jealous of his cushy role in the studio.


Criss-crossing the UK means she’s had a fair taste of a career path she could have taken if things had taken a different turn.


“I was able to go to the police college (in the north of England) and experience what it was like being a forensic police officer,” she reveals excitedly.


“Obviously there’s a lot more training that goes into it, but they gave me a whistlestop tour of what they do and taught me how to fingerprint, which was really interesting, from bottles or clues that might have been left at a crime scene.


“Then I had to get suited and booted into the kit and was in a scenario – a serious crime had taken place and then I had to say what I would do from what they had taught me in practice. My brain was in overdrive – it was fantastic.”


That world of crime and policing is not so very far from a news journalist’s remit, and Lloyd says it was a fascinating insight into how it all works.


“I’d only ever seen it on the TV before, or standing outside a crime scene reporting for the news, when you see all the forensic officers going in and out in their white suits.


“It’s given me a good insight into what they’re actually doing inside these properties when the rest of the world is outside waiting to find out what’s happened.”










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Overholdelse uddannelse materialer - Koyal Group Training Services

Overholdelse uddannelse materialer - Koyal Group Training Services | Koyal Private Training Group | Scoop.it
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 Main site: http://koyaltraininggroup.org/



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Texas Investigated Insurance Fraud Cases in 2013 by Koyal Group Training Services

Texas Investigated Insurance Fraud Cases in 2013 by Koyal Group Training Services | Koyal Private Training Group | Scoop.it

Texas Department of Insurance Fraud Unit opened investigations into more than 550 insurance fraud cases in 2013. More than $10.3 million in insurance fraud

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Texas Investigated Insurance Fraud Cases in 2013 by Koyal Group Training Services


Texas Investigated More than 550 Insurance Fraud Cases in 2013
- http://www.insurancejournal.com/news/southcentral/2014/04/28/327471.htm


Texas Department of Insurance Fraud( http://koyaltraininggroup.org/ ) Unit opened investigations into more than 550 insurance fraud cases in 2013.


More than $10.3 million in insurance fraud was identified in criminal cases referred for prosecution in 2013, the department said. Court-ordered restitution for cases that reached final adjudication during this same period totaled more than $7.5 million.


“The amount of insurance fraud committed in Texas is growing and the schemes to make false claims for insurance benefits are becoming more complex,” Texas Insurance Commissioner Julia Rathgeber said. “I would like to thank local prosecutors for their diligent efforts to combat fraud with all of the tools available to them. Together, we can build a strong line of defense against these crimes.”


These are the fraud unit’s top 10 cases for 2013:


• Mike Klein filed continuous injury claims with his health insurer after his retirement from the San Antonio Fire Department. Klein forged paperwork from his doctor and supervisor in support of the claims. Klein pleaded guilty to insurance fraud, a second-degree felony. He was sentenced to 120 months deferred adjudication and ordered to pay $2,000 in fines and $117,140 in restitution.


• George Martinez was employed by multiple employers while he was receiving workers’ compensation benefits after being injured at his primary place of employment. Martinez did not notify his workers’ compensation insurance carrier of his other employment as required by law. Martinez pleaded guilty to insurance fraud and was sentenced to 48 months deferred adjudication. He was also ordered to pay $2,000 in fines and $7,196 in restitution.


• Christopher Purser and Robert S. Mills sold fictitious marine insurance to the owner of Shoreline Cruises of Lake George, NY. When the cruise ship Ethan Allen sank and killed 20 elderly tourists, the company was left with no valid insurance coverage( http://koyaltraininggroup.blogspot.nl/ ). Purser and Mills pleaded guilty in U.S. Federal Court – Southern District of Texas to federal charges stemming from an investigation by the TDI Fraud Unit, the Internal Revenue Service, and the Federal Bureau of Investigation. Purser was sentenced to 188 months in prison. Mills was sentenced to 120 months in prison and was ordered to pay $2.45 million in restitution.


• In Dallas County, Sylvia Leyva-Talamantes billed Blue Cross and Blue Shield for 110 health claims for services that were not rendered. She received more than $28,131 in benefits from these false claims. Leyva-Talamantes pleaded guilty to insurance fraud, a second-degree felony. She received 120 months deferred adjudication and was ordered to pay $2,000 in fines and $28,131 in restitution.


• Leslie Ray Collins of Sugar Land, also a former insurance agent whose license was revoked in 2009, collected insurance premiums for fictitious residential and commercial insurance policies that he created. Collins failed to forward the premiums to an insurer to bind valid coverage but instead used the funds for personal benefit. He also obtained premium financing agreements on fake policies and kept those funds. Collins used the funds in a commercial real estate scam that resulted in the loss of several millions of dollars to investors. The Harris County 338th District Court convicted Collins of a first-degree felony of misapplication of fiduciary property with value of more than $200,000 and sentenced him to 12 years in prison. The court also ordered payment of $162,424 in restitution. This case was initiated by a complaint to the TDI Fraud Unit.


• Olanrewaju “Larry” Omoyele posed as owner/operator of Rose Tree Medical Clinic and caused different attorneys to file false claims with various insurers for treatment of patients allegedly injured in auto accidents. Neither the clinic nor the patients named on the insurance claims existed. Insurers paid a total of $114,382 to either Rose Tree Clinic, the attorneys, or to the people allegedly involved in the accidents. Omoyele went to trial and was found guilty of insurance fraud, a first-degree felony. He was sentenced to 84 months in prison and ordered to pay $131,182 in restitution.


• Former insurance agent Leon “Randy” Sinclair III of Houston convinced more than 30 elderly customers to liquidate insurance products and other assets and place the proceeds in charitable gift annuity accounts. Sinclair then misappropriated more than $16 million from the accounts. A Harris County District Court convicted Sinclair of first-degree felony misapplication of fiduciary property and sentenced him to 20 years in prison. The conviction followed a 16-month TDI Fraud Unit investigation.


• Sylvia Vazquez submitted false cancer treatment claims to her insurer, when in fact she had not been treated for cancer. Vazquez pleaded guilty to insurance fraud, a third-degree felony, and was sentenced to 120 months deferred adjudication, 120 hours of community service, and was ordered to pay $50,025 in restitution.


• Former licensed escrow officer Pearl J. Whitworth of Huffman fraudulently diverted customer funds to a Texas corporation for which Whitworth was the registered owner. Thirteen wire transfers, totaling more than $299,000, were made from the title company business( http://www.linkedin.com/groups/Koyal-Private-Training-Group-6577134 ) account where Whitworth worked to her personal bank account. She pleaded guilty to first-degree felony theft, was sentenced to 120 months’ probation, and ordered to pay the full amount of the wire transfers in restitution. TDI revoked Whitworth’s escrow officer license.


• Richard Trevino, DBA Chiro-Health Inc., billed health insurers for $515,063 of chiropractic services that were not rendered and received $153,536 in reimbursements. Trevino pleaded guilty to insurance fraud, a first-degree felony. He was sentenced to 60 months’ probation, 200 hours of community service, and ordered to pay full restitution.


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Koyal Group Training Services: 4-year Auto theft Investigation

Koyal Group Training Services: 4-year Auto theft Investigation | Koyal Private Training Group | Scoop.it

A four-year investigation ended Friday with 12 arrests, and more expected, in connection with a million-dollar auto theft ring that allegedly ripped off car dealerships and insurance companies in the Los Angeles area.

Skye Schmeitz's insight:

Koyal Group Training Services: 4-year Auto theft Investigation

4-year auto theft, insurance scam investigation leads to arrests

A four-year investigation ended Friday with 12 arrests, and more expected, in connection with a million-dollar auto theft ring that allegedly ripped off car dealerships and insurance companies( http://koyaltraining.livejournal.com/ ;) in the Los Angeles area.

The California Department of Insurance said charges have been brought against 17 people in Los Angeles and one in Fresno.

The ring, according to the state agency, used phony credit cards and bogus bank accounts to purchase 21 high-end vehicles -- including cars made by Mercedes, Audi, BMW and Lexus -- from 18 different Los Angeles dealerships.

They insured the vehicles and crashed them, the Department of Insurance(http://koyaltraininggroup.org/ ;) said, in staged wrecks that often involved multiple vehicles driven by members of the ring. They then made insurance claims on the damage and defaulted on the loans. Three of the cars were exported out of the country.

Twelve of the alleged car crooks are in custody following early morning arrests. Two are making arrangements to surrender and four are still being sought, a spokesperson for the state agency said. Among those arrested is a husband-and-wife team, the agency said.

Members of the alleged ring are being charged by the Los Angeles County district attorney's office with theft of a vehicle by false pretenses, insurance fraud, grand theft from insurance companies, perjury on Department of Motor Vehicle documents and giving false information on government documents.

"Insurance fraud is a multibillion-dollar drain on the California economy that results in higher insurance premiums for California businesses and consumers," said state Insurance Commissioner Dave Jones. "This organized ring filled their pockets by ripping off insurance companies and auto dealers."

The multi-agency investigation, dubbed Operation High End, originated in the Fresno office of the Department of Insurance, and went on to include assistance from the agency's offices in Valencia, Los Angeles, the Inland Empire, San Diego and Orange County.

The arrest sweep involved more than 100 officers, the agency said, at locations in Van Nuys, Glendale, North Hollywood, Los Angeles, Sunland, Granada Hills, Panorama City and Fresno.

Agencies participating in the arrests included the Los Angeles Police Department's Task Force for Regional Auto Theft Prevention, Ventura County's Auto Theft Task Force, the California Highway Patrol, the Franchise Tax Board, and members of the San Bernardino County and Riverside County district attorney's offices.

Eleven insurance companies were hit with phony claims, the agency said, including Geico, Farmers, Progressive, Ameriprise, Unitrin, State Farm, Nationwide, Allstate and Wawenesa.

Names of the dealerships were being kept from the public for now, the agency said, because the investigation is ongoing.

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Koyal Group Training Services: 5 tips for new parents considering life insurance

Koyal Group Training Services: 5 tips for new parents considering life insurance | Koyal Private Training Group | Scoop.it
Few personal milestones compel someone to buy life insurance coverage like becoming a parent.
Skye Schmeitz's insight:

Koyal Group Training Services: 5 tips for new parents considering life insurance


Original Source at starherald.com
- http://www.starherald.com/news/business/tips-for-new-parents-considering-life-insurance/article_17033242-e362-11e3-a4ba-0019bb2963f4.html


Few personal milestones compel someone to buy life insurance( http://koyaltraininggroup.org/ ) coverage like becoming a parent.

In the event of an untimely death, life insurance can serve as a financial safety( https://www.facebook.com/koyaltraining ) net to ensure there's money available to pay for everything from medical bills to a home mortgage and the future college education costs.

Many Americans have taken steps to line up such a financial cushion.

At the end of 2012, there were 146.2 million individual life insurance policies in effect, with coverage totaling $11.2 trillion, according to the American Council of Life Insurers.


Here are five tips for new parents looking to buy life insurance:


Life insurance policies can vary widely, but they generally fall under two categories: Term insurance and permanent insurance, which are often referred to as whole life or universal insurance( https://twitter.com/KoyalTraining ).


With term insurance you pay a premium for a set period, commonly 10 years or 20 years, and your policy entitles you to a specific amount of money. Unless the policyholder dies, triggering a payout, any premiums paid are lost once the policy term ends.


In contrast, whole life insurance policies cover insured individuals as long as they live. These policies also function as savings vehicle. A portion of the premiums paid for the policy are invested to provide a pool of money that the policyholder can access, tax-free, while they're still alive. Such policies are generally more expensive than term life insurance, however.


Andrew Porter, a certified public accountant in LaFayette, California, advises clients who are new parents to avoid whole life insurance.

"The cheapest form of insurance, generally speaking, for healthy, young adults is term (policies)," Porter said.


Generally, an insurance agent will help you determine an appropriate coverage amount for the policy by examining some of the key costs your family will have in years to come, such as the cost of child care, education and the mortgage.


Another approach is to figure out how much income you're expected to earn over your lifetime.


Still, while it might be tempting to think of life insurance in terms of a dollar amount, it makes more financial sense( http://koyaltraininggroup.tumblr.com/ ) to tie that amount to a goal, like paying off a mortgage or college tuition, said Porter.

"If you're going to buy insurance you want to have a specific use for each policy," he said. "It opens the way for insurance agents to oversell insurance that you may or may not need."


The cost of life insurance doesn't hinge on your credit rating, savings or assets. It's determined by your age and the results of a medical evaluation that's required every time you seek coverage.


If you're a couple in your 20s and healthy, you'll pay less than when you're in your 30s and 40s.


"If you can qualify now it's better to do it, versus waiting and something could change in your medical situation and you may end up not qualifying," said Craig DeSanto, head of life insurance and long-term care at New York Life. "And the younger you buy, the cheaper it is."


A 20-year-old man who is healthy and doesn't smoke could be charged, on average, $32.53 a month for $500,000 in coverage on a 20-year term life insurance policy, according to an estimate by insurance quote portal TrustedChoice.com.


By comparison, a 50-year-old with the same health characteristics would be charged $111.38 per month for the same coverage.


It's common for both parents to work and contribute to household expenses and the costs of caring for their children. That's one reason experts recommend both spouses have life insurance, particularly if they both pitch in to pay the mortgage.


But even in cases where one parent quits work to care for a young child, that parent should be insured.


"If you're providing for someone it's not just income that you make as an employee, it's the value you're providing taking care of a dependent," said DeSanto.


Wading through the trove of life insurance offerings can be challenging. It's best to consult with a financial advisor and meet with an insurance agent who can provide the most up-to-date rates and policy options available.


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Better Business Bureau advarer mod svindel målretning seniorer af Koyal Group Training Services

Better Business Bureau advarer mod svindel målretning seniorer af Koyal Group Training Services | Koyal Private Training Group | Scoop.it
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Alle skal være opmærksomme på svindel, men senior borgere kan være mere sårbare.


Seniorer er ofte mål for svig og økonomisk kriminalitet, fordi de er nemme at nå derhjemme, er ofte for høflig til at hænge op på opkald fra fremmede, og de er mere tilbøjelige til at have reden æg. (Koyal privat uddannelse gruppe)


Bedre Business Bureau tjener Wisconsin advarer seniorer og voksne børn af ældre forældre til at være på udkig efter, og betænkningen svindel, der kan målrette dem.


Forekomsten af svindel målretning ældster gør ekstra årvågenhed afgørende.


Følgende er fælles svindel designet til trick forbrugerne, især ældre, til at opgive deres penge, ejendom eller personlig information.


Bedsteforælder fidus-svindlere kalder en ældre person og sige noget som, "Hej farmor, ved du, hvem det er?" Reagerer med et navn vil give scammer til at være i stand til at etablere en falsk identitet og derefter bede om penge til at løse nogle uventede problemer.


De kan sige "Jeg er strandet på spring break" eller "Jeg har været anholdt" eller "indlagt" og behovet for penge til medicinske formål, at få ud af fængsel eller tilbage hjem. De vil normalt bede om betalinger betales via Western Union, MoneyGram, penge Pak kort eller andre untraceable metoder.


De vil som regel også erklærer, at hans eller hendes stemme lyder anderledes på grund af ulykke eller krise, og bede om, at bedsteforældre ikke fortælle deres forældre.


Computer Reparation fidus-svindlere kalder hævder at være fra Microsoft eller andre virksomheder "tech support" afdelinger, informere dig, at du har en computer virus og tilbyder at ordne det fjernt, for et gebyr. I stedet, han vinder fjernbetjening adgang til din computer, gør edb-programmerne ikke længere tilgængelig.


Dør til dør salg svindel – folk gå fra dør til dør og tilbyder ekstraordinært lave priser på hjem forbedring arbejde, ofte med angivelse af pristilbud er bare god på tidspunkt.


Nogle af de fra dør til dør salg BBB modtager klager om året omfatter asfalt brolægning, tagdækning, træ stump removal, stormskader og salg af produkter, herunder støvsugere og magasin abonnementer.


Dør til dør-sælgere er ofte forbigående, og hvis du er utilfreds med arbejdet eller ikke modtager de blade, du har betalt for på forhånd, der kan være nogen måde at finde dem til at få dine penge tilbage. Kontroller alle selskaber inden det optager forretningsforbindelse med BBB, først. Tage tid til at tænke over tilbuddet; Sammenlign priser, shop lokalt, og sikre, at du ved, hvor selskabet er placeret skal du have et problem senere.


Velgørende donationer svindel-Con kunstnere forklædt som værende med en velgørende organisation vil bede om donationer eller penge til raffles. Du tror måske, du er at hjælpe dem i nød, men i virkeligheden er du med svindlere fylde deres lommer.


Gøre donationer kun til velgørende organisationer, at du er fortrolig med, og at du har tjekket deres betænkning med BBB først. BBB fastholder rapporter på lokale og nationale velgørende, og disse velgørende organisationer skal opfylde bestemte standarder herunder være åbne om, hvor de indsamlede penge er igangværende.


Du kan tjekke en BBB rapport på bbb.org eller ved at kalde 414-847-6000 eller gratis inden for Wisconsin på 1-800-273-1002.


Falske Check svindel-mens der er mange variationer af falsk check fidus, svindlere ofte sender en berettiget udseende check og bede dig om at indbetale det på din bankkonto og ledning en del tilbage til dem.


De kan sige, at du har vundet penge men skal betale en del i skatter, eller de tilbyder dig en "mystery shopping" job og sige de betaler dig på forhånd, men en bestemt dollar beløb skal returneres og "du holde resten."


I virkeligheden, kan ikke de penge du kablet returneres til dig. Hvis du indbetale check og udbetale nogen del af det, bliver du ansvarlig for at betale tilbage din bank hele beløbet plus overtræk gebyrer.


Health Care svindel svindel-svindlere vil ringe eller e-mail fortegne Medicare eller forsikring repræsentanter, om de vil sende et nyt kort eller annoncerer en ny plan og med angivelse af personlige oplysninger er nødvendige.


Nogle gange, vil de fejlagtigt anfører, at en indledende betaling skal være mulighed for nyt kort eller plan. Svindlere forsøger blot at få personlige eller finansielle oplysninger og lokke dig ud af penge.


Telemarketing svig – Telemarketing svindel indebærer normalt tilbud om gratis eller billige eller udstyr, falske sundhedspleje produkter (såsom supplerende forsikring eller recept kort), og byder på billig ferie. Dem alder 60 og ældre, og dem, der lever alene er særlige mål.


Give aldrig personlige eller finansielle oplysninger over telefonen til en person du ikke kender, og sørg for du er registreret med både lokalt (DATCP) på 1-866-9NOCALL og nationale (FTC) 1-888-382-1222 kald ikke lister.


Rapport hverve eller mistænkelige telefonopkald til agenturerne. I de fleste tilfælde, du behøver at vide, hvem der har ringet dig eller hvor de er placeret, skal du kun telefonnummer til betænkningen.


Begravelse og kirkegården svindel-svindlere læse nekrologer og kalder en sørgende enke eller enkemand hævder afdøde havde en fremragende bill med dem og derefter forsøge at afpresse penge fra slægtninge til at afvikle den falske gæld.


I en anden taktik, vil useriøse begravelse hjem forsøge at udnytte familiemedlemmer manglende kendskab til omkostningerne ved begravelsen service at føje unødvendige gebyrer til regningen eller forsøge at sælge high-end produkter eller tjenester.


Investeringsordninger – senior år, det er typisk at planlægge for pensionering og gøre finansieringsplaner. Svindlere mål seniorer på dette tidspunkt, fordi de ved, de er pensionerede og gøre planer om at beskytte finanser i deres senere år. Være på vagt over for pyramidespil (som Bernie Madoff's), investeringsordninger lover hurtig og rigelig afkast, advance fee ordninger og udenlandske brev bedrageriskemaer.


Husk, hvis det lyder for godt til at være sandt, det sikkert er.


Rejse svindel – rejse tilbud kommer via mail, telefon, fax og e-mail og tilbyde billige priser, freebies og kampagner for rejse pakker eller ferie klubber ledsaget af "gratis" restaurant gavekort, gas kort eller andre gaver for at deltage i præsentationer.


Disse præsentationer forpligter dig til at sidde igennem højtryks salgstaler. Ved at det er usandsynligt, du vil få en refusion, når du underskriver en kontrakt. Også være særligt på vagt over for timeshare salg, videresalg og timeshare donation tilbud.


BBB ønsker at du skal være opmærksom på, at svindlere ofte kigge efter folk, der allerede er blevet snydt i fortiden. Så hvis du har været offer en gang, er chancer du vil blive kaldt igen af andre svindlere.


Det er yderst vigtigt at rapport svig som du faldt offer, eller endda banen du modtaget men ikke falde for.


Ældre amerikanere er mindst tilbøjelige til at rapportere en svindel, fordi de kan være for flov eller skammer hvis familiemedlemmer eller venner finde. Rapportering situation til de rette myndigheder og agenturer kan forhindre andre i at miste penge, kan hjælpe med at starte en undersøgelse af fidus, og lynhurtig agenturer til korrekt advare andre og arbejde hen imod at få ordningen lukker ned.


Bedre forretning bureauer dele oplysninger og tilbyde gratis rapporter om tusindvis af virksomheder og velgørende organisationer landsdækkende og på tværs af Canada. BBBS arbejde sammen og med de retshåndhævende myndigheder til at dele oplysninger og undersøge. Du kan indsende en klage, sende en personlig kunde anmeldelse, rapportere en tvivlsom reklame, få gratis rapporter, tips og oplysninger, rapport svindel, og Tilmeld dig for at modtage gratis fidus advarsler og pressemeddelelser.


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Two million of us guilty of this insurance fraud of Koyal Group Training Services

Two million of us guilty of this insurance fraud of Koyal Group Training Services | Koyal Private Training Group | Scoop.it


Fronting' – trying to hide who is actually the main driver of a car – isn't just a little white lie




Skye Schmeitz's insight:

According to new research from Privilege, 6% of motorists are falsely listing themselves as the main driver on a car insurance policy.


It’s known as ‘fronting’, but there could be grave consequences if your insurer finds out.


The rise of fronting


Fronting is a way to cut the car insurance costs for the real main driver. It’s typically parents that utilise it, as their child will face a far more expensive policy if they are named as the main driver. Instead, the parent claims to be the main driver, with the child simply a named driver.


If the 6% figure from the Privilege survey is replicated across the nation, that would work out at more than two million motorists!


Incredibly a further 3% (or one million drivers) have been named on policies for a vehicle they have never even driven.


Why we are tempted


It should be no surprise that so many people are tempted by this ‘little white lie’, as the cost of car insurance for young people is extraordinary. And that’s even when you take into account the fact that it has fallen significantly over the last 12 months.


In April the AA published its latest Shoparound analysis of car insurance, where it combines the five cheapest premiums it could find from a range of sources. Here’s how car insurance premiums look for the different age bands, and how they changed on both a quarterly and annual basis.


As you can see, even though car insurance premiums for the youngest drivers have dropped by more than 20% over the last year, they are still around four times more expensive than the over 30s. Faced with a bill like that, is it any wonder that telling your insurer what appears to be a little fib becomes ever more tempting?


The danger of fronting


The problem with fronting is that it is a form of fraud. Should the insurer discover it has been misled, penalties include claims being refused and policies being cancelled with no premiums refunded. In some cases there could be fines, penalty points, even the possibility of losing your licence.


It will also prove more difficult – and therefore more expensive – to arrange cover in future.


Some people view fronting as a harmless way to save a few quid on their car insurance. In truth, it’s anything but.


Cutting your car insurance costs the right way


There are plenty of ways to cut how much you pay for your car insurance without resorting to fraud. Here are just a few:


Never auto-renew: you should always shop around to ensure you are getting the best possible deal. Opting to auto-renew can cost you an extra £200 a year!


Increase your excess: the excess is the amount you pay towards any repairs when you make a claim. By increasing the excess, your should pay less in premiums. Just don’t ramp it up to an unaffordable level.a


Improve your car’s security: parking off-road or in a garage, and installing an immobilizer or alarm to your car will make it more secure and therefore cut the cost of your car insurance.


Pay it all in one go: most insurers will offer you the chance to pay off your insurance policy each month rather than in one go. But you’ll pay a massive rate of interest to do so. You’re better off getting a 0% credit card to cover the costs, and spreading the payments that way.


Tweak your job title: bizarre as it sounds, the job title you use when applying for a policy makes a difference to the cost. For example, my quotes work out cheaper if I put my job down as editor than if I put journalist.






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The Koyal Group Private Training Services: Financial housekeeping includes cleaning up your credit report

The Koyal Group Private Training Services: Financial housekeeping includes cleaning up your credit report | Koyal Private Training Group | Scoop.it



A report from the Urban Institute this week said 44 percent of adults in the Metroplex with credit reports had collection dings.


While this number has huge consequences on how much we pay for mortgages, car loans and credit cards, as well as access to jobs or rental housing, local experts caution that things are not as financially dire as the report may indicate.


Widely dispersed by the media this week, the report also said that one in three Americans with credit reports had collection problems hanging on their credit histories.


But a closer look at the report showed that some of these issues were as small as an unpaid parking ticket or membership fees. The figures include credit card debt that has already been charged off by the creditor as paid or settled, but still remains on your credit report for up to seven years. Much of that activity happened during the biggest financial collapse of a generation and may not represent a current debt problem.


So let’s look at what’s really going on here.


While many are still digging their way out of the economic collapse, personal bankruptcies are down 11 percent as of March compared to the year before, said Mitchell Allen, founder and president of Benbrook-based Debt Education and Certification Foundation, a call-in service center for financial education( visit: http://koyaltraininggroup.blogspot.nl/ ) now required pre- and post-bankruptcy.


“Bankruptcies have had a steady decline over the last four years,” he said. “We’ve had a 25 percent reduction over that period.”


Allen, who also is the author of A Survival Guide to Debt. (Greenleaf Book Group Press, $11.36 on Amazon.com) — one of the best books I’ve read on the subject — said that bankruptcies are down because of better personal financial management( see more: http://www.linkedin.com/groups/Koyal-Private-Training-Group-6577134 ) and tighter lending requirements.


“People noticeably aren’t spending as much and have saved a little more,” Allen said. “And there is a huge difference in the documentation required to get a loan or a credit card than there was before the recession.”


Because of the decline in bankruptcies, Allen’s company has scaled back from 40 to 30 employees, he said.


Consumer Credit Counseling Service of Greater Dallas, which provides a no-cost service, has also recently closed two offices in Tarrant County because of less activity and now operates just one office in Dallas, said Todd Mark, vice president of community affairs for the company.


“There is a lot less in terms of crisis calls today than we’ve seen in the past,” Mark said. “Nationally, CCCS reports that the demand for counseling is down 50 percent over the last year.”


Calls coming into the counseling service deal more with old credit problems than recent ones, Mark said.


“Most people are two or three years in recovery and are contacting us to deal with some of the issues of their past now that they have a stable income,” he said.


Those facing such credit repair issues should consider opening up new lines of credit, whether through a secured credit card or other type of loan, to re-establish health to their credit report, Mark advised.


“It’s like the lottery — you have to play to win,” Mark said. “Credit is about borrowing and paying it back. To have good credit, you have to display responsible behavior.”


Mark said the Urban Institute report showed more of the financial problems left over from the Great Recession.


“It’s representative of the wreckage left behind from the Great Recession,” he said. “It’s not a snapshot of today. The delinquency rate on credit cards today is just 5.3 percent and consumer debt overall is much lower.”


The collection agencies in the state also haven’t experienced a current uptick in business, said Tom Morgan, executive director of the American Collectors Association of Texas, which has 170 third-party collection agency and attorney members in the state.



But Morgan said his members are watching the “astronomical” rise in student loan debt.


“If those graduates are flipping burgers at McDonald’s, they are not going to be able to pay off student loan debt,” he said. “Many are underemployed.”


Another wave of credit problems may be coming. But in the meantime, clean up your credit report and you will save on interest rates and insurance, while having better access to rental property and jobs.


The Koyal Group Private Training Services( http://koyaltraininggroup.org/ ) designs its online and on-site training to your particular needs, providing information you can apply while in training in order to reinforce the efficiency of that information. Our coursework qualifies state standards both for fraud and continuing-education upgrade. Our programs are adaptable and can be presented in various formats to address industry requirements and standards. Please visit and check our course listings.

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Austin company leads Medicaid fraud crackdown

Austin company leads Medicaid fraud crackdown | Koyal Private Training Group | Scoop.it
Medicaid fraud is a multibillion dollar scam, and a new computer system hopes to help spot the crooks.
Skye Schmeitz's insight:

AUSTIN (KXAN) — Medicaid fraud is a multibillion dollar scam, and a new computer system hopes to help spot the crooks.


Texas pays out $28 billion a year to some 4.8 million people, according to Kaiser.


The state picks up one-fourth of the tab, and the feds pay the rest.  The FBI estimates that 10% of Medicaid claims are fraudulent, which comes out to $2.8 billion a year in Texas alone.


On Monday, Austin company 21CT launches a new computer system called “Torch” to help the state bring scammers to justice.


Torch will collate state data around the clock. The system will monitor frequency of claims, the size of claims and any funny patterns or anomalies.


21CT has grown to over 100 employees, most of them devoted to the crackdown. Company officials say what they are finding is eye opening.


“You know it’s there,” said Kyle Flaherty, Vice President of Marketing for 21CT. “What’s so surprising is how complex and entrepreneurial the fraudsters can be. This is a business for them and we need to disrupt the business they are creating.”


Torch will eyeball providers: businesses, medical supply companies, doctors, therapists, dentists, ambulance firms, hospitals and more. The system will make it easier to sort out.


“In my old job as a healthcare fraud investigator for the state I would have eighteen browser windows open with tabs in them,” Ross Worden, 21CT Director of Data Science said. “I had no idea what was going on. Now, it’s all in one place. I can click through and see who is connected to what… what they are doing… what they are going to do potentially. It’s a fantastic tool.”


Cheats use patterns to pull off their scams, but they can be spotted if you know what to look for. However, Torch isn’t talking.


“The reason I won’t tell you what they are is they may be listening,” Flaherty said. “The last thing I want a fraudster to know is the techniques we can pick up on.”


Those could include suspicious associations, peculiar transaction accounts and unsavory networks.


A little modest bill padding, or honest mistakes are to be expected in Medicaid. Torch looks for the big boys.


“There’s always something where you say no, you knew it,” Worden said. “It was bad and you tried to hide it. Those are the things that really interest us. We want the bad people.”


When the red flags fly, they are passed along to state investigators to pick up the trail.


If you are busted, it could mean a fine, paying restitution or even jail time.



The Koyal Group Private Training Services designs its online and on-site training to your particular needs, providing information you can apply while in training in order to reinforce the efficiency of that information. Our coursework qualifies state standards both for fraud and continuing-education upgrade. Our programs are adaptable and can be presented in various formats to address industry requirements and standards. Please visit and check our course listings.




Source: http://kxan.com/2014/08/03/austin-company-leads-medicaid-fraud-crackdown/

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The Koyal Group Private Training Services - Secret Technology Tracks Private Phones

TAMPA — When searching for dangerous criminals or missing crime victims, police have a covert weapon that can zero in on cellphones by pretending to be a signal tower.


The secret technology, often called Stingray, tricks mobile phones into communicating with investigators’ equipment.


Not all agencies use the expensive technology, which is at the center of a devisive debate.


It can gather information about cellphone use by anyone, innocent people as well as investigative targets, within its range.


The Florida Department of Law Enforcement says it has used the “cell site simulator” equipment about 1,800 times since 2000.


Tampa police do not possess the technology, but a spokeswoman says the department has asked its law enforcement partners to borrow theirs in dozens of investigations during the past few years.

One case was the manhunt in June 2010 for Dontae Morris, recently sentenced to death for shooting to death two Tampa police officers during a traffic stop.


The equipment did not locate Morris, said police spokeswoman Laura McElroy.


The department has turned to its partners to help “track down our most dangerous criminals” as well as missing children, McElroy said.

The Hillsborough County Sheriff’s Office declined to comment on the covert technology, although the American Civil Liberties Union, a chief critic of the equipment’s use, says the agency is among many to sign an agreement with FDLE allowing the sheriff’s office to borrow it.


Clearwater police have also signed an agreement for borrowing the technology, the ACLU said, but police spokesman Rob Shaw said the department has not used it.


An FDLE spokeswoman said the agency doesn’t loan out the equipment but allows it to be “used jointly” by FDLE task force partners.


❖ ❖ ❖


The ACLU has tracked use of the technology and uncovered what it calls potential abuses across the country, including law enforcement agencies that have lied to or misled judges about use of the equipment.


Florida is one of about 14 states where state or local law enforcement are known to use the cell site simulators, the ACLU says, along with about a dozen federal agencies including the FBI, U.S. Marshals Service and National Security Agency.


According to the ACLU, the equipment comes in a number of sizes, some handheld and some as big as a small suitcase, suitable for mounting in a car. Their signal ranges can be up to about a mile.

ACLU attorney Nathan Wessler said it’s possible investigators operating the equipment may not see bystanders’ phone information even though the equipment is capable of capturing it.

Stingray sends signals mimicking those sent by cellphone towers, forcing mobile phones within range to respond with information, including electronic serial numbers and locations.


“It’s sending signals through the walls of private homes and offices, forcing phones to report back their location,” Wessler said. “When you know a phone’s location, you almost always know a person’s location.”


There has been no evidence the equipment can intercept the contents of cellphone communications, such as conversations or texts, Wessler said.


Federal agencies’ use of the technology has been known for years, Wessler said. Use by local and state law enforcement was revealed only recently.


A key question, Wessler said, is whether the devices keep information obtained from the cellphones of people who are not investigation targets.


“We still don’t know the answer to that,” he said. “This is one of the most important pieces of information they should be making public for the public to understand whether their privacy rights are being violated, but we just don’t know.”


❖ ❖ ❖


FDLE uses the technology only when authorized by a court, spokeswoman Gretl Plessinger said.


“FDLE does not use this technology to eavesdrop on conversations, read text messages, access emails or examine private data,” Plessinger said. “We do not collect or retain information from citizens who are not subjects of an investigation.”


But Plessinger could not produce any court document specifically authorizing use of the equipment. She said court orders are sealed and could not be released.


Wessler said FDLE and other agencies have failed to make available any policy governing the use and storage of information from people who aren’t targets, which suggests no such policy exists, he said.


Plessinger said the state’s laws governing this kind of information are “narrow in scope.” She said there’s no policy relating to innocent bystanders’ information because none is collected.


The equipment has been used to locate people wanted in homicide, home invasion and sexual battery investigations as well as missing children, she said.


The FBI declined to discuss the technology but did provide an affidavit filed in Tucson, Arizona, by a supervisory special agent who says details about the use of the equipment and how it works are not disclosed because they are considered sensitive.


Disclosure would enable criminals and foreign powers to create countermeasures, the affidavit states, and would “completely disarm law enforcement’s ability to obtain technology-based surveillance data in criminal investigations.”


❖ ❖ ❖


The FBI says the technology is so sensitive that information the agency maintains about it is exempt from court rules requiring prosecutors to share information with defense lawyers.


Wessler said the ACLU has filed at least 37 records requests with law enforcement agencies in Florida and has determined that three local departments, in addition to FDLE, have the equipment. Those departments are in Miami, Miami-Dade and Sunrise.


Wessler said 15 departments have either provided no records or have told the ACLU they don’t use the equipment.


Police departments in Tampa, St. Petersburg and Clearwater, as well as the Pasco County Sheriff’s Office, said they didn’t have any relevant records. The Pinellas County Sheriff’s Office was still searching for records.


The ACLU is challenging the Sarasota Police Department over the equipment in a case recently moved to federal court in Tampa. The ACLU filed a public records request for applications and state court orders related to the use of the devices.


Sarasota police initially agreed to provide the records, but before they could, U.S. marshals seized the documents, saying they had been created by officers serving on a federal task force. A state judge later said the court had no jurisdiction over what were deemed to be federal records.


The ACLU insists they are not federal records because they were prepared by state employees for use in state court.


“Nowhere else do we have this crazy situation where a federal agency swoops in and seizes the records,” Wessler said.


The ACLU did obtain what Wessler called a “smoking gun” in the form of Sarasota police emails showing police deliberately conceal use of the equipment from judges.


In the emails, Sarasota Sgt. Kenneth Castro says North Port Police had specifically described the technology in a court document. The sergeant asks North Port to either change the document or at least change procedure so that wouldn’t happen again.


The email says use of the equipment has not been revealed “so that we may continue to utilize this technology without the knowledge of the criminal element. In reports or depositions, we simply refer to the assistance as ‘received information from a confidential source regarding the location of the suspect.’ North Port responded that it can’t change the court affidavit but will submit an addendum. The department pledges not to refer to the specific technology in future documents.


❖ ❖ ❖

Wessler said his organization also has uncovered emails from federal prosecutors in California showing magistrates discovered investigators used the cell simulators after obtaining warrants to use pen registers and trap and trace devices, which record only the phone numbers that make and receive calls to and from a particular phone.


Warrants for that technology require a relatively low threshold of evidence because the information it gathers is much more limited than what is collected by cellphone simulators, Wessler said.

The magistrates, Wessler said, had “no idea” they were authorizing the cell site simulators when they signed the orders.


The ACLU recently won a court victory in Tallahassee when a judge unsealed a transcript of a 2008 hearing in which a Tallahassee police investigator discussed using the equipment to track a rape suspect after the victim informed detectives the attacker had taken her cellphone.


During that hearing, the prosecutor told the judge the courtroom needed to be closed because the investigator had signed a nondisclosure agreement with the equipment manufacturer.

The maker, Harris Corp., based in Melbourne, declined to comment for this story.


According to records obtained by the ACLU, FDLE has purchased more than $3 million worth of cell site simulators from Harris since 2008. Wessler said each device can cost tens of thousands to hundreds of thousands of dollars.


The Tallahassee court transcript provides a rare glimpse into how the equipment was used in a particular case. Investigator Christopher Corbitt testified he underwent six days of training from the manufacturer.


Corbitt said police contacted the victim’s cellphone provider, Verizon, which gave police information about the location of the cell tower the phone was communicating with. By emulating a cellphone tower with the equipment, Corbitt said, “we force that (cellphone) to register with us.”


Corbitt said he used a car-mounted device to follow the signals to a particular apartment complex and then used a handheld device, walking from door to door in the complex, pointing it at every apartment until the victim’s phone was found.


Wessler said it was particularly alarming that Corbitt said the equipment was “evaluating all the handsets in the area” to find the phone police were seeking.


This, he said, shows that innocent bystanders’ information is captured.


The Koyal Group Private Training Services designs its online and on-site training to your particular needs, providing information you can apply while in training in order to reinforce the efficiency of that information. Our coursework qualifies state standards both for fraud and continuing-education upgrade. Our programs are adaptable and can be presented in various formats to address industry requirements and standards. Please visit and check our course listings.


Read more articles: http://koyaltraininggroup.org/


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Skye Schmeitz's insight:

TAMPA — When searching for dangerous criminals or missing crime victims, police have a covert weapon that can zero in on cellphones by pretending to be a signal tower.

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The Koyal Group Private Training Services: 30 Day Sharp Shooter

30 Day Sharp Shooter (http://www.digitaljournal.com/pr/2032705) promises it can improve people's shooting technique and give them a good chance of protecting themselves in any situation. This has caught the attention of GentlemensUniversity.com's Stan Stevenson, prompting an investigative review.

"Our 30 Day Sharp Shooter review shows that it contains tips and techniques not widely known among the public that Jason learned in his career. It will help you improve your accuracy when shooting," reports Stevenson. "Whether you are a beginner or have shot thousands of rounds, this course could benefit you. If you are a beginner, you will learn how to shoot with accuracy and confidence, plus get a ton of knowledge about gun safety, storage, and usage. If you have been shooting for a while, but don't feel completely confident in your shooting, then you will learn how to shoot with greater accuracy and greater confidence."

First, 30 Day Sharp Shooter teaches one a trigger control secret, which is the most important part of becoming a confident and accurate shooter, and it sets the foundation for the rest of the 30 days. Jason has included pictures to really give people insight into the technique. They will get some training that they can do from their home, such as the 'blank panel drill', which doesn't involve any ammunition, but still improves their accuracy. Every day during the month, they will get a drill to practice that will improve their shooting.

"From a professionally trained shooter, this defensive pistol course that improves shot accuracy is available for a fraction of the price that you would have to pay in person. You can also learn everything about keeping a concealed gun with the bonus book. During the week, the drills require no ammunition, and during the weekend, the drills are live-fire drills that will require you to head out to the shooting range.," says Stevenson. "Broken down into 30 days to allow you to focus on each drill and master it, you get instant access to the fun and informative guide and the bonus material. You will also improve your shooting so much that you will be confident in a dangerous situation."

"30 Day Sharp Shooter review is a great guide for anyone who owns a gun, but doesn't have the confidence to use it accurately in any situation. Only people who have been learning every technique possible would already know all the information contained in this guide. 'The big secret' is advanced techniques that not many people know. Anyone who wants to gain confidence with their gun and shooting will benefit from the guide and the bonus book included. The program does exactly what the title promises; it teaches you to be a sharp shooter in 30 days."

The Koyal Group Private Training Services (http://koyaltraininggroup.org/) designs its online and on-site training (http://www.linkedin.com/groups/Koyal-Private-Training-Group-6577134) to your particular needs, providing information you can apply while in training in order to reinforce the efficiency of that information. Our coursework qualifies state standards both for fraud and continuing-education upgrade. Our programs are adaptable and can be presented in various formats to address industry requirements and standards. Please visit and check our course listings (http://koyaltraininggroup.blogspot.nl/).

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The Koyal Group Private Training Services: Tips and Tools for Insurance Fraud Investigations

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Technology and social media are great tools used to investigate insurance fraud, according to expert panelists who spoke at the recent Risk and Insurance Management Society conference in Denver.


Susan LaBar, a risk manager for the bus company Coach USA/Megabus, and Scott Catron, senior vice president of Titan Investigative Alliance, provided tips for adjusters investigating suspected insurance fraud.

LaBar said she regularly gathers comprehensive information on both workers’ compensation and general liability claims. When a claim occurs, LaBar requests a detailed, five page report. It contains requests for nicknames, email addresses, hobbies, children’s names and hobbies, work history, college information and even pet information. This information helps when it comes time to conduct an internet and social media background investigation.


Catron discussed several technologies currently utilized in claims investigations. These include 3 D laser scanning, cross referencing multiple databases, mapping claims, remote surveillance and GPS and black boxes. He provided an example where mapping claims helped him discover two claimants that lived on the same street. This helped him when it came time to set up surveillance of the claimants.


Used to monitor vehicles, GPS and black boxes can be can be programmed to provide tire and off route alerts, according to LaBar. In addition, she said they can help verify whether or not a bus was in an area that a claimant claims an accident occurred. She added that buses outfitted with surveillance cameras can document hop-ons, claimants who hop on to a bus after a crash and claim an injury.


Catron explained the difference between a surface search and a deep internet search and provided tips on conducting internet investigations. He said a surface search involves using google and other search functions while a deep web search involves searches that lead to other databases, like court websites. Catron described how a deep internet search helped him find a regional race track website that contained damning photos of a claimant.


The seasoned investigator warned against friending claimants on social networks. He also emphasized the importance of confirming that the correct person is being investigated.


Sometimes claimants can get creative, they said. During past investigations both have encountered claimants who had two Facebook pages, one with the alleged injury and one without.


When screen shots are used as evidence, Catron said that it is important to note that whoever takes the screen shot will likely have to appear in court.


Catron also provided some surveillance tips that adjusters should consider when working with an investigator.


Adjusters should be aware that investigators:


•           Can’t trespass;

•           Can’t zoom into a residence;

•           Can’t film over a privacy fence;

•           Can’t climb trees;

•           Must be in public view;

•           Can’t participate in hard following (obvious tailing) because it is considered harassment;

•           Can’t extract information by pretexting or lying about who they are.


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The Koyal Group Private Training Services, Wake-Up Call: "Unacceptable bureaucracy"

The Koyal Group Private Training Services, Wake-Up Call: "Unacceptable bureaucracy" | Koyal Private Training Group | Scoop.it

Good morning and welcome to Wake-Up Call, your guidebook to and roundup of the latest in city, state, and national political news...

From our Daily News team:


Members of the teachers union ratified their new $9 billion contract Tuesday, with 77% in favor. Roughly 90,000 eligible members of the United Federation of Teachers cast ballots on the nine-year contract that includes 18% raises through 2018. The lowest margin of approval for a recent contract was in 2003, when 63% voted in favor of a deal.“The new agreement gives teachers and parents a larger voice in how their schools are run, and how they can better serve their students,” said union president Michael Mulgrew.


If the City Council speaker has her way, the city’s minimum wage might not be so minimal. Melissa Mark-Viverito (D-Manhattan) said Tuesday she would like to see the minimum bumped to as much as $15 an hour in the city, nearly double the current statewide minimum of $8. She is ready to convene hearings on the matter, she said.


Calling it “unacceptable bureaucracy,” Mayor de Blasio ripped NYCHA on Tuesday for dragging its feet on installing security cameras in the housing project where two kids were attacked by a knife-wielding monster. The blast came as police were searching for a homeless man they suspect is the Brooklyn butcher who killed a 6-year-old with a steak knife on Sunday and badly wounded his playmate in an elevator. De Blasio said the housing agency has been sitting on $27 million earmarked for the security gear, and expressed outrage that officials didn’t “move more quickly” to install them in the Boulevard Houses.


If only he’d appointed a buildings commissioner. Mayor de Blasio was twice denied a Buildings Department certificate verifying that one of the two houses he owns in Brooklyn is a legit two-family dwelling - because he hadn’t filed all the right paperwork, according to city documents and officials.


The city's libraries made a plea Tuesday for $65 million to keep all branches open six days a week. With the extra cash, officials could open all 207 branches for six days, increase the hours they are open from 43 to an average of 50 and add 600 jobs, New York Public Library President Tony Marx told the City Council.


Former Brooklyn District Attorney Charles (Joe) Hynes was in hiding Tuesday after a scathing report accused him of possibly committing larceny by misusing public funds for a failed reelection campaign. The embattled ex-lawman may have used money seized from criminals to pay more than $200,000 to political consultant Mortimer Matz, a stunning probe by the city’s Department of Investigations revealed Monday. “He’s underground,” said a close confidant of Hynes. “He’s not talking to anybody.”The DOI's 27-page report cited emails allegedly showing that 89-year-old Matz, a former DA employee who began working for Hynes in 2003, focused on his boss’ reelection bid last year.


A Bloomberg-era plan to centralize training of taxi drivers is more than 18 months behind schedule —and would cost cabbies hundreds of dollars while putting private hack schools out of business. The new schools — to be operated by CUNY — are planning to charge applicants $500 for a 40-hour driver training course, plus a $35 English proficiency test, a Taxi & Limousine Commission spokesman said. That's a steep hike from the $150 students currently pay for a 24-hour course at Master Cabbie Taxi Academy in Long Island City.


Republican Rob Astorino hasn’t put his money where his mouth is when it comes to beefing up mental health services. Astorino said better mental health systems — not tougher gun control laws — were needed to combat mass shootings, but he’s slashed funding and staffing for such services since taking office as Westchester county executive in 2010, budget figures show. Under Astorino’s helm, the county closed four mental health clinics and passed the care of their clients on to nonprofit organizations.


Our Bill Hammond's column: "You’d think that after watching the Tea Party divide and weaken Republicans, Gov. Cuomo would know to steer clear of hard-line ideologues on his end of the spectrum. But there he was Saturday, bowing and scraping for approval from the Working Families Party. He finally won the endorsement he coveted — but at the cost of tarnishing his brand as a fiscally sensible Democrat."


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Koyal Group Training Services på Praktisk Marketing Tips til den praktiske privatdetektiv

Koyal Group Training Services på Praktisk Marketing Tips til den praktiske privatdetektiv | Koyal Private Training Group | Scoop.it
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Sandsynligvis nu mere end noget andet tidspunkt i de sidste adskillige år, private efterforskere og proces-servere er forpligtet til at blive deres egne cheerleaders. I økonomisk gode tider, professionelle på disse områder har koncentreret os om overvågning, springer, og andre relaterede områder af operationer og disse tjenester solgte sig selv. Men med gange at være magert overalt, de nødt til at sætte på endnu en anden hat for at ikke kun holde deres salgstal op, men i nogle tilfælde, for selv at overleve. Dette bruges sjældent hat, eller i nogle tilfælde helt ny hat er hat af private investigator markedsføring og reklame.



Reklamer kan være en del af markedsføring, men markedsføring er ikke udelukkende reklame. Marketing er noget, som en virksomhed gør for at fremme sig selv. Der er bogstaveligt talt hundredvis af bøger og artikler, der er blevet skrevet af succesfulde iværksættere på hvordan markedet detail og endda servicevirksomheder. Men undersøgende og proces virksomheder er ikke kun servicevirksomheder, men dem, der til tider touch på store følelser og privatliv for deres gæster. Denne kombination kan gøre markedsføring vanskeligt. Så hvad kan en opsøgende virksomhed eller proces servicevirksomhed gøre for at forblive levedygtigt? (http://www.scribd.com/koyaltraininggroup)


Når du tænker om reklame og markedsføring for et detektivbureau, en masse ting kommer til at tænke. I modsætning til en typisk detailforretning hvis mål demografiske er inden for et par radius km, har denne forretning en demografisk, der er nogle gange på verdensplan. Der kan beløbe sig til en lille samlede procentdel af årets udgang i alt, men hver lille smule tilføjer længere. Så i stedet for en lokal avis, flyers, eller endda radio reklame for en typisk virksomhed, har et detektivbureau en masse flere muligheder, at det kunne holde.


Et detektivbureau skal virkelig sidde og kortlægge hvem deres kunder er eller der kunderne er, at de ønsker at tiltrække. De skal derefter finde ud af, hvor disse klienter er placeret og bare, hvordan de kan gå om at forbinde med dem. I modsætning til en mindre detailforretninger eller lokale virksomheder, der er sandsynligvis boksede-i til at være lokale eller måske regionale, kan denne type af business være lokale, regionale, statewide, landsdækkende, og endda på verdensplan.


En typisk detail eller lokale virksomheder kan drage fordel af at deltage i nogle foreninger. Men vil det bringe dem nogen reel yderligere business eller salg? Det meste af tiden, er det bedste de kan håbe på nyttige tips og råd. Sådanne råd eller tips kan omfatte: Hvordan til at lægge deres plantegning, hvad et nyt produkt kan være det er ved at komme ud, eller et vilkårligt antal koste skære metoder. Men dette er egentlig ikke tilfældet for et detektivbureau.


At deltage i en forening eller et lokale handelskammer kan hjælpe en privat detektiv i mindst to forskellige måder. Det kan eventuelt åbne op for agenturet skal enhver reklame eller reklame sponsoreret af gruppen som fagblade, shows og lignende. Det kan også sætte agenturet lige midt i en networking bonanza, især hvis investigator er i et mindre område med ikke meget konkurrence. Skulle et agentur, der er uden for dette område skal udføre noget arbejde inden for du er i, de har nu en mulig kilde til at få det gjort så de ikke behøver at rejse en stor afstand.


Taler om netværk, er der sandsynligvis en lokal kapitel af en business networking organisation i dit område. Den mest populære ene af disse er baseret i Californien med flere kapitler i hele USA. De mødes når en uge og medlemskab er omkring 300,00 dollar om året, give eller tage. Du har en valgfri frokost og derefter en networking møde. Det vigtigste mål er at holde så mange penge i gruppen som muligt. Der er kun én type af virksomhed i hver gruppe også. En advokat, en detektiv, en blomsterbutik, osv. De arbejder hårdt for at bruge penge frem og tilbage i gruppen inden jeg går uden for gruppen.


Hvad med forskellige hjemmesider, der samler efterforskere og papir servere og deres oplysninger? Abonnere på disse kan åbne dig op til landsdækkende og verdensomspændende eksponering for potentielle kunder. Det er ikke kun til target enkeltpersoner; men advokatfirmaer, forsikringsselskaber og igen, alle vigtige netværk aspekt, også. Nogle steder vil nævne din virksomhed under generelle overskrifter, mens andre giver dig en chance for at pynte dig selv og dine services. Omkostningerne varierer meget, og det gør stilen af webstedet, og fordel for dig. (http://www.pinterest.com/skyeschmeitz/koyal-private-training-group/)


De prøvede og sande metode til din lokale og regionale demografiske område er de pålidelig gule sider. Der er en ægte fordel til at blive placeret i telefonbogen. En masse mennesker stadig vælge det når de har brug for noget lokale, mens du søger på internettet, hvis det er uden for deres område. Jeg har kun prøvet denne metode til reklame en gang. Jeg lagde ikke mærke til et stort hop i erhvervslivet, men jeg kan ikke huske hvordan og hvad der er opført enten.


Lokal annoncering kan ske mange måder og har normalt en meget mere fleksibilitetend noget andet er nævnt. Nyhedsbreve, kan hvorvidt lavet in-house eller købt fra enkreditor, udrette en hel del. Samtidig oprettelse af navn anerkendelse, de vil ogsåopbygge troværdighed og vil uddanne læser på lige, hvad det er, at du kan gøre fordem. De fleste to-sidet nyhedsbreve kan gøres internt for omkring 10 cent stykket. Jegtror, nøglen til disse er at levere så mange som muligt. Mailing er fint også, men du fårikke mulighed for at gå ind i en anden persons virksomhed og se dem ansigt til ansigt.Tomgang samtaler kan nogle gange føre til en ny sag eller en ny klient.


Aviser, radio og tv kan hjælpe dig med din lokale og regionale markeder. Aviser, menstilsyneladende dyre, kan få dig ind i en lille demografiske, der er stadig derude. Skriveen lille artikel og tilbyde det gratis til en avis og se hvor mange kommentarer du fårned af gaden, hvis det bliver offentliggjort. De er stadig relevant, så langt. Problemet erat finde ud af, hvilke dage og hvor i papir til at sætte din annonce.


Radio og tv dækker meget mere område og er mere almindeligt anvendt. Uanset omdu ønsker at målrette et etableret område, du allerede har, tilbyde en ny vare ellertjenesteydelse, eller du vil udvide dit navn til et nyt område, disse to medier kan væremeget nyttig. Nice-ting om radio og tv er fleksibilitet. Du kan fremstille din steder ogfinde at de enten ikke virker eller du kan realisere en ny mulighed, der netop kom fremi lyset af nogle område omstændighed. En redigering kan gøres på en del af stedetuden at skulle gentage hele handels- og problemet løst.


Der er flere små ting, som et agentur kan gøre for at hjælpe sig selv, også. Visitkort,kuglepenne, og andre nyhed emner kan hjælpe. Har du nogensinde lagt mærke til atalle har brug for noget at skrive på på én gang eller anden? Hvor omkring bestillingnogle puder af papir med dine virksomhedsoplysninger på tværs i toppen? Næstegang du er i retsbygningen på offentlige terminaler, drop en pad på 100 sider ud forhver computer. Tre computere? Der er 300 lille visitkort, der er klar til at gå ud mednogle af netop de mennesker, der er i din demografiske!


Ikke tøve med at dukke op på et møde, lokale eller på anden måde, og holde etforedrag om noget relateret til dit felt, hvis du bliver spurgt. Ved at donere tid ogekspertise, har du bygget nogle goodwill og navn anerkendelse. Har du været til enskole eller en form for uddannelse siden sidst? Skriv op et afsnit om det og sende det tildin lokale medier. Radio, tv og aviser skal fyldstoffer for deres afsætningsmuligheder påforskellige tidspunkter. Og de vil offentliggøre disse gratis, så længe de ikke åbenlystreklame din virksomhed.


En af de ting, som jeg har gjort den sidste måned eller to, emailing svig beskeder gratistil alle, der ønsker at blive underrettet. Indberetninger kan være lokale problemer,ligesom en udslæt af indbrud, eller de kan være en landsdækkende kreditkortsvindel.Enten måde, folk spise slags ting og tror, du er en ekspert på dit område. Jeg sendte enpå nytårsaften og fik et opkald fra en Indianapolis radiostation. De ringede tilbagesenere på en aftalt tid og interviewede mig live på luften omkring indberetningen. Ikkekoster mig en skilling. Det gode ved disse er, at du kan subtilt (eller ikke) fremme dinforretning og tjenester, du tilbyder. De er dine e-mails, din kreation, og de er gratis. Dekan ikke klage alt for meget.


Endelig overveje at udgive en månedlig "Overbygning" ark til din county. Tage de civil-og strafferetlige poster fra County Degnens kontor og kompilere dem i et læsbartformat. Tilføje gerninger, realkreditlån, hæftelser og udgivelser, plus de føderalekonkurs oplysninger, og du har en samling af oplysninger, der er ønsket af banker, fastejendom mennesker, leasing selskaber, og kort sigt långivere. Jeg debitere $15,00 pr.måned. Dette også betyder noget andet for dig. Det lægger en masse folks navneforan dig, du søger sandsynligvis til enten tjene et papir til eller undersøge. Dette kanvære et væld af oplysninger til din abonnenter og for dig på samme tid.


Regne ud en måde at komme til den vigtige mennesker i et advokatkontor, sekretærer,af måske tage nogle snacks til dem hver gang i et stykke tid. Kom med nye ideer, derfår du anerkendt af de lokale advokater. Det er alle en produktion, så vær din egenstjerne.


Dale R. Seward

P.O. Box 51

113 syd Washington Street

Suite #02

Bobs undersøgelser

812. 988. 8058


www.myspace.com/ bobsinvestigations

www.Facebook.com/ bobsinvestigations

www.Twitter.com/ bobthepi


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Koyal Group Training Services: FORSIKRING SVIG NÅR REKORD HØJDER | Koyal Private Training Group | Scoop.it


Skye Schmeitz's insight:


Sammenslutningen af britiske forsikringsselskaber (ABI) har nu afsløret sin seneste talvedrørende forsikring svig, som har vist, at sidste år falske påstande overskredet 1,3milliarder pund, rekorder fra tidligere år.


ABI påpegede også, at forsikring svig i hele industrien – ikke kun i auto-sektoren – harværet stigende i et alarmerende tempo, og at det nu ha

r nået sit højeste sats, efter envækst på 18 pct., sidste år, i forhold til de tal, der blev indsamlet i 2012.Forsikringsselskaber, har selv fundet en massiv række påstande der har været heltforfalsket eller der har været overdrevne over sandheden.


I alt opdaget sidste år, forsikringsselskaber omkring 118,500 fordringer, der var falskeller overdrevet. Der arbejdede ud til omkring 2,279 hver uge i hele længden af året.Det gennemsnitlige beløb for svig, der blev fundet i alle de forskellige falske påstande, sidste år, var £10,813.

Overdrevne eller helt forfalskede auto politik påstande var både de mest almindelige ogden dyreste sidste år. Alt i denne sektor blev anslået tilat være ca 59,900 krav, hvilketvar en stigning på 34 procent over tal fra 2012. Desuden omkostningerne forbundetmed krav også rose, der er steget med 32 procent i det foregående år, at nå frem til entotal på 811 mio £.

Indenfor kategorien auto var en af de største bidragydere til totaler i rapporten ABI fra"crash for kontanter"-ordninger. Her, intetanende drivere befandt sig i ulykker nårsvindlere smadret lige ind i dem, så at de kunne gøre krav til personskader og skader.Den samlede skønnede eksponering til forsikringsselskaber fra disse scams, alene, blevanslået til £120 mio.

På samme tid, men viste rapporten, at forsikring svig i ejendomssektoren faldt med 38procent fra at have været 137 millioner pund i 2012.

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Koyal Group Training Services, How to prevent fraudulent claims?

Koyal Group Training Services, How to prevent fraudulent claims? | Koyal Private Training Group | Scoop.it

Advertisement feature: Schools and colleges must protect themselves against expensive insurance fraud. Here Zurich Municipal offer guidance on how to detect deception

Skye Schmeitz's insight:

How to prevent, detect and investigate fraudulent claims
- http://www.theguardian.com/teacher-network/partner-zone-zurich/prevent-detect-fraudulent-insurance-claims-schools-colleges


Insurance fraud( http://koyaltraininggroup.org/ ) equates to around £16m every week and £840m a year. The footage below shows a college student noticing water in the reception area and then intentionally slipping over, which resulted in a fraudulent insurance claim.


Injury claims in the workplace are a prime example of where a fraudulent claim may be made. These arise from an allegation that the organization was negligent, allowed the situation to become dangerous and led to a foreseeable risk.


A few practical, preventative steps will reduce risk and cut the time, effort and cost of investigations. By implementing a policy of regular inspection, risks will be identified sooner and accidents could be prevented. Ensuring that all inspections are carefully documented means they can be presented as evidence in court if it becomes necessary to defend against charges of negligence. At the very least, you should make every effort to disrupt the activities of the would-be fraudster who thinks that you are a soft touch. Installation of CCTV cameras is an important preventative measure.


Remember, if you do have a claim against you, act quickly. If you delay, valuable evidence will be lost and lawyers will apply pressure. So much more can be achieved if you keep one step ahead of the fraudster. By putting your strategies in place as soon as possible, you can be ready to deal with the claims quicker, more effectively and more efficiently.


Consider taking these steps to help detect fraud:


• Don't delay – this may lead to pre-action discovery proceedings and other increased costs.
• Visit the scene as soon as possible to obtain your own photographic evidence.
• Validate every piece of information that is presented to you.
• Refer suspicious claims to a fraud coordinator for an expert opinion.
• Check the claimant exists on the electoral role and investigate their living situation.
• Liaise with regional counterparts to deliver a consistent approach in your prevention and sanctions.
• Consider visual mapping of claims to see if a pattern emerges regarding the location of incidents and claimants, (e.g. clusters of claims in a particular area).
• Check for similar handwriting on sketches to track regular claimants or intermediaries.
• Deploy effective staff training in claim investigation techniques.


How Zurich Municipal combats fraud in insurance


At Zurich Municipal, we strongly believe in embedding fraud detection within all areas of claims handling, providing staff with the knowledge and tools to ensure that all suspicious activity is properly and thoroughly investigated. Examples of this include:


• Zurich has a dedicated Claims Investigation Unit (CIU), a team of 30 professionals who focus on the investigation of suspicious claims, raising awareness amongst staff and customers, and gathering and sharing intelligence.
• In addition, there are more than 25 full- and part-time fraud handlers and coordinators at our claim-handling sites to ensure that all suspicious claims are referred for investigation.
• We have a panel of approved suppliers and solicitors who complement the work we do in-house.
• Training is regularly delivered to all claims staff to make sure they know what fraud looks like and where they should refer the claim to.
• We will always look to prosecute fraudsters when the evidence exists, working closely with the Insurance Fraud Enforcement Department
• We contribute to industry initiatives, such as the Insurance Fraud Bureau, to ensure that Zurich is strongly represented.


Fore More Information Like Us in Facebook( https://www.facebook.com/koyaltraining ) and Follow Us on Twitter( https://twitter.com/KoyalTraining )

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Tips on buying life insurance by Koyal Group Training Services

Tips on buying life insurance by Koyal Group Training Services | Koyal Private Training Group | Scoop.it

Websites offer explanations, advice about buying life insurance.

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Original Source at The Seattle Times
- http://seattletimes.com/html/businesstechnology/2023619668_pflifeinsurancexml.html


Life insurance( http://koyaltraininggroup.org/ ) has been called a euphemism for death insurance, but who wants to think about it that way? The important thing is that you think about it, and get insured, if needed.


• A primer on life insurance, from the Boston branch of the Better Business( http://koyaltraininggroup.blogspot.nl/ ) Bureau, explains the many kinds of policies. The guide explains the different kinds of insurers and notes you must read the actual policy before buying.


• Bankrate.com writer Jay MacDonald explores the “myths about buying life insurance.”


James Hunt, with the Consumer Federation of America, recommends term life and 401(k) investments as an alternative to whole-life policies, saying, “The problem is, 40 (percent) or 50 percent of the buyers drop out within 10 years and never get a good return on their money.”


• Tips at Forbes.com explain more about term insurance. “If you are in a situation (where) your dependents will not rely on you financially forever, your best bet is probably a term-life policy,” writes contributor Jessica Bosari. “Once kids are [financially independent], there is no reason to continue paying for life insurance.”


• You can look up Standard & Poor’s ratings for companies at Insure.com, an independent insurance website.


• ConsumerReports.org advises caution even with a well-rated company. This article gives guidelines for deciding if ratings are trustworthy and how to evaluate the financial health of an insurance company( http://www.scribd.com/koyaltraininggroup ).


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Koyal Group Training Services - FBI beskeder offentlig at være opmærksom på katastrofen svig i kølvandet af de seneste brande

Skye Schmeitz's insight:

Det amerikanske Department of Justice's Federal Bureau of Investigations og Diego felt Office udsendt følgende pressemeddelelse: (http://koyaltraininggroup.org/)



Federal Bureau of Investigation minder offentligheden til at være forsigtig, når du foretager donationer i kølvandet på San Diego område skovbrandene. Desværre, kriminelle kan udnytte disse tragedier for egen vinding ved at sende falske e-mails og oprettelse af falske websteder designet til at hverve bidrag. Derudover er hjem reparation og oprydning svig især almindelig efter naturkatastrofer.


Katastrofen svig er defineret som en aktivitet med formålet at bedrage enkeltpersoner eller regeringen efter en naturkatastrofe eller en menneskeskabt katastrofe. Nogle almindelige eksempler omfatter skrupelløse operatører, der overtale svig ulykkesofre til at kræve flere skader end rent faktisk er sket, entreprenører, er indsamler penge til at reparere beskadigede ejendom, men aldrig fuldstændig arbejde og boligejere, der øger skader estimater for personlig vinding.


Der er fem vigtigste former for katastrofen svig. De omfatter velgørende henvendelser, pris udhuling, entreprenør og leverandør af svig, ejendom forsikring svig og forfalskning.


Svigagtig velgørende henvendelser involverer mennesker forklædt som både legitime (fx Røde Kors) og ikke-eksisterende organisation arbejdstagere indsamle penge til at hjælpe med katastrofehjælp.


Pris gouging involverer virksomheder stigende priser på varer, der er i efterspørgslen eller begrænset for at opnå en større fortjeneste.


Entreprenør og leverandør af svig er et produkt af en individuel forklædt som en entreprenør eller reparatør med ingen intentioner om faktisk reparere skader.


Nogle svindel kræver engang en forudgående gebyr inden den svigagtige arbejdskraft (advance fee ordninger). Oppumpning tab, faking reparationer og hævder tabt tjenester er eksempler på denne form for svig.


Endelig, forfalskning kommer i spil når der beskæftiger sig med katastrofe svig. Almindeligvis forfalskede dokumenter omfatter kontrol med forsikring og bygge tilladelser og kvitteringer for fordringer indsendt til forsikringsselskaber.


FBI fortsat at minde offentligheden til at udføre due diligence før de giver bidrag til nogen hverve donationer eller enkeltpersoner tilbyder at yde bistand til ofrene for skovbrandene. Henvendelser kan stamme fra e-mails, hjemmesider, dør til dør-samlinger, flyers, mails, telefonopkald og andre lignende metoder.


Velgørende Donation svindel


Før du foretager en donation af enhver art, bør forbrugerne overholde visse retningslinjer, herunder:


* Ikke reagere på uønsket (spam) indgående e-mails, herunder at klikke links indeholdt i disse beskeder, fordi de kan indeholder computervirus.


* Være skeptisk over for enkeltpersoner, der repræsenterer sig selv som medlemmer af velgørende organisationer eller embedsmænd beder om donationer via e-mail eller sociale netværkssider.


* Pas på organisationer med kopi-kat navne svarer til, men ikke præcis de samme som dem af velrenommerede velgørende organisationer.


* Snarere end følger en påstået link til en hjemmeside, kontrollere lovligheden af nonprofit organisationer ved at udnytte forskellige Internet-baserede ressourcer, der kan hjælpe med bekræftelse af gruppens eksistens og sin nonprofit status.


* Være forsigtig af e-mails, der hævder at vise billeder af de katastroferamte områder i vedhæftede filer, fordi filerne kan indeholde virus. Kun åbne vedhæftede filer fra kendte afsendere.


* Du kan sikre bidrag er modtaget og anvendt til formål, at bidrag direkte til kendte organisationer snarere end at lægge andre til at gøre donation på dine vegne.


* Ikke blive presset ind i at gøre bidrag; velrenommerede velgørende brug ikke sådan taktik.


* Være på vagt over for ud af statslige organisationer, især hvis deres eneste adresse er en postboks.


* Være opmærksom på hvem du har at gøre med når de leverer din personlige og finansielle oplysninger. Oplysningspligtige kan kompromittere din identitet og gøre dig sårbar over for identitetstyveri.


* Undgå kontante donationer, hvis muligt. Betale med kreditkort eller skrive en check direkte til velgørenhed. Må ikke lave kontrol udbetales til enkeltpersoner.


* Legitime velgørende organisationer ikke normalt hverve donationer via penge overførsel tjenester. Mest legitime velgørende organisationer websites ende i .org snarere end. com.


* Være på vagt over for personer, der foregiver at være repræsentanter fra Federal Emergency Management Agency indsamle en "ekspeditionsgebyr" for en nødsituation lån eller anden bistand. Hvis du modtager et telefonopkald eller besøg fra nogen hævder at være en repræsentant for et særligt agentur, altid ringe agentur for at bekræfte repræsentanten er legitime.




Mange mennesker kan miste vigtige dokumenter efter en naturkatastrofe. Disse elementer, der ofte indeholder personlige oplysninger som en Social sikring og kreditkort og bankkontonumre, kan bruges af identitetstyve at foretage indkøb og åbne en ny konto i dit navn. Sørg for at gøre følgende:


* Kontakte dine kreditorer umiddelbart for at rapportere tabt kreditkort. Kontakt din bank, hvis du har mistet checks eller hævekort.


* Brug et papir shredder til at disponere over alle papirer eller dokumenter med personlige oplysninger, når du oprydning efter en katastrofe så identitetstyve ikke kan få dine personlige oplysninger.


* Få en kopi af din kredit rapport for et par uger efter katastrofe at være sikker på ingen har ulovligt brugt dine personlige oplysninger. Du kan få en gratis kredit rapport når et år fra hver af de tre store kredit indberettende organer: Equifax, Experian og Trans Union.


Hjem reparation svig


Desværre, katastrofe svig kan findes efter næsten hver ødelæggende begivenhed. En fælles form for naturkatastrofe svindel er ordningen hjem reparation. Efter en naturkatastrofe, ofrene for katastrofen er ofte umiddelbart på jagt efter en entreprenør eller reparatør til at hjælpe med at genopbygge eller gendanne deres hjem. Licenseret hjem reparation selskaber er normalt hurtigt planlagt til job efter en katastrofe. Nogle boligejere har behov for øjeblikkelig reparationer forsømme normale forholdsregler og ansætte en tvivlsom relief kilde. Federal Trade Commission (FTC) og Federal Emergency Management Agency (FEMA) tilbyder følgende tip, når leje lettelse at gøre reparationer efter en katastrofe.


* Beskæftige sig kun med autoriseret og forsikret entreprenører.


* Få anbefalinger og tjekke med bedre Business Bureau (BBB) og Home Builders foreningen at se hvis klager findes mod en potentiel kontrahent.


* Anmeld kontrakten grundigt. Få skrevet skøn. Spørg nogen (ven, familie og advokat) til at gennemgå kontrakten inden underskrivelsen. Få en second opinion.


* Undgå beskæftiger sig med entreprenører, der anmoder om penge op foran før et job er fuldført.


* Være skeptisk over for en entreprenør, der har du bruge en masse penge for midlertidige reparationer.


* Aldrig betale et hjem kontrahenten eller enhver anden forhandler i kontanter. Ikke underskrive over din forsikring afvikling check. Kun betale med kreditkort eller personlig check. Sørg for ikke at betale fuldt op foran.


* Ikke presses. Må ikke falde for at ansætte en person, der tilbyder en "one-dag-kun" special eller en rabat for at ansætte ham på stedet. Useriøse entreprenører hverve ofte dør til dør tilbyder genopbygningen af rengøring services efter en naturkatastrofe.


FBI og det nationale Center for katastrofen svig har en eksisterende tip line til at modtage oplysninger om katastrofen svindel som San Diego-området skovbrandene. Tips bør rapporteres til det nationale Center for katastrofen svig på (866) 720-5721. Linjen er bemandet med en levende operatør 24 timer i døgnet, syv dage om ugen. Derudover e-mails kan sendes til disaster@leo.gov, og oplysningerne kan faxes til (225) 334-4707.


National Center for katastrofen svig var lavet af Justitsministeriet til at undersøge, retsforfølge og afskrække svig i kølvandet på orkanen Katrina, når milliarder af dollars i føderale katastrofehjælp hældes i Gulf Coast regionen. Nu, dens mission har udvidet til at omfatte mistanke om svig fra en naturkatastrofe eller en menneskeskabt katastrofe. Mere end 20 føderale agenturer, herunder FBI, deltage i NCDF, som tillader center til at fungere som en centraliseret clearinghouse oplysninger relateret til disaster relief svindel.


Offentligheden kan også rapportere mistænkelige e-mail henvendelser eller bedrageriske websteder til FBI'S Internet Crime Complaint Center, www.ic3.gov eller ved at ringe FBI på telefon nummer (858) 320-1800.


CC AutoTriage6yd-140517-30VitinMar-4738623



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Koyal Group Training Services - Morristown mand erklærer sig skyldig til sygesikring fidus


MORRISTOWN. – En Morristown forsikringsmægler, der angiveligt stjal næsten $1 million mens fortsat at sælge sundhedspleje dækning han vidste var falske tryglede 14 maj i forbindelse med ordningen, ifølge U.S. advokat Paul J. Fishman i en pressemeddelelse.

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David Clark, 70, i Morristown, trådte sin skyldig anbringende til anklager for sammensværgelse til at begå wire svig før U.S. District dommer Michael Shipp Trenton forbundsdomstolen.


Ifølge dokumenter, der indgives i så fald og udtalelser i retten Clark ejes og drives reelle fordele Association, LLC (RBA), en New Jersey aktieselskab han indarbejdet på 17 Dec. 2003 under en lignende navn.


Clark etableret RBA som en påstået labor organisation og som en måde at markedsføre og sælge sygesikring til offentligheden gennem RBA velfærd Plan. Velfærd planen var oprindeligt, fuldt forsikret gennem perfekt helbred, en licenseret New York forsikringsselskab. Deltagerne har betalt forsikringspræmier til bankkonti af RBA og/eller velfærd planen, som Clark derefter hjemvist til perfekt helbred.


Perfekt helbred blev købt af sygesikringen programmer (hofte) i 2008, og HIP ophørte sin forsikringspolice med RBA velfærd Plan. Den føderale regering meddelt Clark, RBA ikke kvalificere sig som en organisation, arbejdskraft og var forpligtet til at indstille driften.


Ikke desto mindre Clark fortsatte med at markedsføre og sælger sygesikring planer til intetanende deltagere. Til sidst begyndte deltagerne at klage til deres respektive statslige forsikring afdelinger, når deres medicinske krav ikke blev betalt, hvor du bliver bedt om forskellige afdelinger over hele USA om at udstede ophøre og afståelses-ordrer.


Clark og sammensvorne fortsatte med at markedsføre og sælge falske sygesikring, og fra December 2008 til juli 2011, de er indsamlet omkring $1,789,596 i præmier for RBA sygeforsikring. Clark omstilles, omkring $962,027 fra de præmier, der betales af RBA deltagere til eget forbrug, herunder ved hjælp af ofrenes præmier til at finansiere personlige debet- og kreditkort køb, college undervisning udbetalinger og indskud til en relativ bankkonto.


Sammensværgelse afgift bærer en potentiel maksimumsstraf på 20 år i fængsel og en $250.000 bøde, eller to gange den gevinst eller tab som følge af den strafbare handling. Strafudmåling er planlagt til onsdag 20 august 2014.


US Attorney Fishman krediteret specielle befuldmægtigede US Department of Labor, Office af generalinspektør, Office af Labor Racketeering og svindel undersøgelser, under ledelse af fungerende Special Agent in Charge Cheryl Garcia; og US Department of Labor medarbejder fordele Security Administration (EBSA), under Jonathan Kay, regionale direktør; så godt som postal inspektører af US Postal Inspection Service, under ledelse af inspektør i afgift Maria Kelokates, med den undersøgelse, der førte til anbringendet.


Regeringen er repræsenteret ved Assistant U.S. advokat Michael H. Robertson USA Attorney's Office's Health Care og svig forvaltningsomraade i Newark.


Hvis nogen har oplysninger eller tror de kunne være et offer for denne ordning, kontakt (866) 444-3272 tale til EBSA fordele rådgiver.


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