Many network security analysts note that careless or uninformed employees can bring on major security risks and give adversaries access to the network, which gives them the ability to fully compromise systems, taking control of critical data and/or information. That’s why organizations must have a layered approach to cyber security as they constantly learn about and refine how to secure their systems, applications, data and information, all of this by working with companies like Fortinet.

Gateley suffers data breach following 'cyber security incident' - The  Global Legal Post
How does the IBM sCloud Deployment Service differ from the web-based MST Service on the IBM Cloud?

The IBM sCloud Deployment Service (SDDS) is a fully functional end-to-end solution that integrates the cloud, computing services and customers. Users can leverage SDDS in an online, in-person and self-service manner. SDDS has a complete set of scenarios to help users deploy applications, and manages, monitors and controls customers’ deployments. This allows customers to focus on what they do best, rather than manage security and compliance and worry about the day-to-day. It also allows the need for local configuration in on-premises environments.

What differences do you see between the IBM sCloud and the IBM Cloud MST services?
IBM Cloud offers a complete set of platform security features to protect network services, applications, data, and user data. The IBM sCloud and the IBM sCloud MST services have a close relationship where both offer powerful capabilities to help customers manage their data and systems. The added value and flexibility offered by sCloud Security for sCloud is more than the sCloud MST service. The sCloud MST service, sCloud Security is only a subset of the cloud capabilities offered in the sCloud. The sCloud MST service offers access to sCloud and sCloud Security when it is available.

In what ways can the sCloud be customized for the business or IT organization?
The sCloud is a subscription service that provides support and support services that will help customers deploy applications and manage and monitor applications. sCloud has an array of available products that you can buy to help you deploy applications or manage the security. sCloud Security, IBM sCloud Network services, IBM Security Intelligence Suite, IBM and IBM sCloud Management Services are just a few of the services available in sCloud.
Any other key elements that you would like to highlight for the security professionals out there?
The sCloud provides a set of set of tools and platforms that help users connect with IT or local systems. In addition to the apps, web apps and web portals, sCloud helps users use data analytics, data governance, and support for deploying applications.

The sCloud will help IT organizations reduce the time, cost, and risk of performing regular security reviews and maintain the secure infrastructure. IBM sCloud features now extend into the physical world and can be used to give security teams more visibility and information. The integration of IBM Security Operations Manager makes sCloud even more integrated, by providing detailed visibility of access points, users, and networks and will enable organizations to protect users and manage the security of infrastructure. sCloud has integrated monitoring technologies, which give IT organizations insight into network performance.

Inflation and indexation in Iceland

Inflation! – Step one, understanding the problem.

Inflation and Indexation

Inflation in Iceland has been a big problem in the past. 30-50% inflation rate have been a reality in past. But in the last two decades, the inflation has been pretty even, for example between 2000-2012 the inflation rate was 5.9 % at average. In the years between 1970-1980 the inflation rate was so high that the purchasing power of the average home increased so fast that the banks in Iceland were actually losing money by lending it. So the government and the banks decided that the best way to protect the banks is to lend with an inflation indexation, in other words now the banks can’t lose money, regardless of the inflation.

The inflation indexation is calculated monthly on top of the capital of the current loan amount.


You borrow 100.000 dollars (Iceland equivalent about 12.8 million kronur) for 25 years and your first payment is scheduled to be $335 of the capital plus $335 for interest, the first month based on 4% yearly interest rate, leaving the balance of $99.665. In this example we will use the average inflation rate between 2000-2012, which was 5.9%. That means that the correction (indexation) added to your loan will be $479 leaving you with a total balance of $100.144 after the first month’s payment.

Of course you see that the loan has to be recalculated each month based on the accurate inflation rate and those months that have more inflation your loan amount will actually increase more. Here is a typical illustration of the lifetime of an inflation indexed loan. 

25 year loan indexed

source: – loan calculator.

Your capital will not go under $100.000 until after about 15 years, based on the inflation rate and interest used in this example (very realistic numbers used based on the past). Your payments go up each month during the lifespan of the loan. First payment $670 and your last payment in 25 years from now would be $1.402 (if we can assume that the average inflation rate will stay steady throughout the time period). You’re total re-payments are around $309.500 for the 25 year loan.

The indexation is helping the banks but not the people, it is happening all the time that people can’t pay their mortgage any more and therefore lose their house. Those people have to find a place to rent and the owners of those houses are struggling with the indexed loans themselves so they have the renters pay indexed rent (adjusted to inflation). Now you (the reader) can see how this has a snowball effect on the economy.

Currently there are very few homes that are good investments in Iceland, but somehow the industrial market has not been affected as much as private properties, I assume it’s because professional investors are buying those properties, but I could be wrong.


Good investment should be a $100.000 property, that you can rent for about $1.000 per month.

$100.000 apartment in Iceland can return about $600-800 rent per month depending on location.

$100.000 industrial property can return about $900-1.100 rent per month, depending on location.

Pension funds in Iceland

Pension funds in Iceland!

Step two, what’s wrong now and how can we fix it.

The pension funds in Iceland are mandatory for working class people to pay 12% of what they earn into a pension fund. Iceland has a few pension funds available and you can choose which fund you join, but it is mandatory to be a part of one. A Pension fund is a fund that is supposed to insure the aging population a safe future after retiring, anywhere from 63-70 years of age.

How are pension funds in Iceland working against the economy?

Pension funds have been having a hard time to find investments with a good return, especially after the government put on capital control on currency flowing from Iceland. One example of a pension fund working against the current economy is a pension fund in Iceland (unnamed here) with a lot of money to invest and not thinking about the future but only the current return on investment. The pension fund decided to buy up property in the Capital (Reykjavik), this might smell to you, a little bit like Enron but I might be wrong. When buying property in large quantity in a small nation, it impacts the economy with false return on their investments like Enron repeatedly did back in the day.

They created a demand in the market by having the property sit empty and unused and therefore increasing the price of property. What they are doing, is creating profits for the pension fund with bullying the market, this has an effect on the current economy and more families don’t have the means to buy their own home and therefore have to rent. That creates a demand for rentals and therefore the already rich, can buy the properties available and rent them out with inflation indexed rent, yes you heard right. Inflation indexed rent means that it will increase with inflation each month, leaving the renter with an unknown cash flow the following month.

Because the funds have an impact on the property prices, the loan capital amounts are higher (inflation indexed loans) and therefore the rent goes up. More and more people have to start renting smaller units and/or moving away from their current work area for a  chance of cheaper rent and commuting to work.

In my opinion the pension funds who do stuff like that are not serving their true purpose.

The cure…… coming soon, keep your eyes open.

Government Loans and Property Management

Government Lending / Mortgages / Bankruptcy / Property Management

ILS – The Housing Financing Fund.

Íbúðalánasjóður (ILS) is a government funded lending institute also known as The Housing Financing Fund (ILS). After the big financial crash in 2008 many families have had to leave their properties because the mortgage on their properties are inflation indexed. After the crash 2008 we saw such an inflation increase that in less than 2 years many families saw their mortgages increase around 50% leaving their property up-side-down (up-side-down is referring to when a property cannot be sold for more that the mortgage current value).

The government then tried to step in and put a temporary new law/solution in play. Many families could no longer pay their mortgage payments, so this law was a temporary solution for families to be able to freeze their mortgage payments for a certain time period, usually around 3-5 years,  this is to give the family a change to get better jobs or somehow have more money available at the end of the allowed time frame. This was of course just a way to postpone what was inevitable.

Two to three years after the crash, the government changed the law regarding bankruptcy as well, from a 5 year probation down to a 2 year probation, giving people a change to file bankruptcy and starting over, giving them a chance to start buying again in two years from bankruptcy. By declaring bankruptcy you move the responsibility (mortgage payments) of their hands and onto the unfortunate persons that signed as a guarantor originally, usually family or friends.

I know this will be hard to believe, but in Iceland debts are rarely lost to banks or housing funds, because we allow mortgage with collateral in peoples personal social security numbers, not just the property itself. That means if a person can no longer pay the mortgage payment he/she is evicted by the bank or ILS. Then the property is auctioned off and what ever remains from the difference of the auction price and the mortgage is still owed by the former owner of that property. Yes this is true! The only solution for that person to declare themselves bankrupt, but that does not solve the problem, only for that person, because then the guarantor of the mortgage becomes the new happy owner of the old mortgage without any property. He/she (the guarantor) is now responsible to pay back the mortgage which, by the way, is still being indexed every month and keeps growing (depending on how many payment are left of the mortgage, see “Inflation and indexation in Iceland” for more details on mortgage growth).

Why are we seeing the banks and ILS repossessing so many properties and holding on to them and not selling them right away?

It is because of the mortgage inflation indexation. The foreclosed properties are now being sold on open market for more that they are actually worth and therefore they are not being bought.

How is ILS solve this this issue of holding on to property?

ILS founded a new corporation (LLC), Klettur ehf. (560508-0690) in the year 2008. This company is 100% owned by ILS. Klettur is run by non affiliated members according to ILS. Klettur ehf, currently has 450 properties to manage and rent out, these properties used to be owned by ILS but were transfered into Klettur ehf, 35% booked as capital startup and 65% of the value lent to Klettur ehf at normal mortgage rates ( inflation indexed).

This is the statement made by ILS in it’s yearly report:

Lögbundinn tilgangur sjóðsins er að stuðla að því með lánveitingum og skipulagi húsnæðismála að landsmenn geti búið við öryggi og jafnrétti í húsnæðismálum og að fjármunum verði sérstaklega varið til þess að auka möguleika fólks til að eignast og leigja húsnæði á viðráðanlegum kjörum.

Translation: Legal purpose of ILS is to ensure, by providing mortgages and property management, that all Icelander’s can live in a safe environment (financial safety) and equality regarding housing and that the funds financial power will be used to increase the possibilities for families to own or rent properties at affordable prices.

I will not go into specific cases here, but I have heard and know of many situations were renters have been forced to move else, after ILS took over management (after foreclosure on the property).  The rent has been almost doubled in some cases within one year after the ILS new property management took over the property.


Online shopping can be very useful for buying rare or niche products. 

Check out what offers the most free shipping

If you shop for a lot of items you can pretty much get free shipping on most of the products, besides, you could also get great discounts if you visit coupon websites, click over here to learn more. Make sure you look at your catalog and see what’s really being offered free. If there’s something you really need or want, then spend a little more on it to make sure it can be shipped. This is more of an experiential tip for me but many times I find that not using the free shipping bonus can actually cost me more, just because I may have to wait a few days for the items to arrive.

Try to source products that will be in good shape

Good quality products can be hard to find online and sometimes it’s necessary to source your own. Purchasing products from trustworthy places will often guarantee a quality product. The thing is, this is still getting harder to do, and it’s very rare to find a brand new product that’s all that good. Only buy from stores that have been around for a while and are recognized by a lot of consumers for their quality products. Be wary of the products you see online where the listing says that it’s out of stock. Your products could be out of stock, meaning that the manufacturer has run out of stock, and you’ll likely see it marked down. Instead buy from an authorized store that usually has good reviews.

Find and be willing to shell out for shipping fees

When shopping online, your shipping options are probably limited to Priority Mail or Standard Mail. If you’re a gift-giver or someone that wants a big package to ship to a friend, try to shop for products that are considered a priority mail order.

Don’t be afraid to order small items

Small products usually have a lower price tag. If you buy two small items, you’ll save money over buying only one. You may even be able to get an even lower price with 3-5 items.

Credit Card Scores

When you’re approved for a credit card, the bank authorizes a credit limit . If you’re approved for a larger limit, then your credit score could go up. For example, if you have an approved credit card of $4,000 that is approved for a $5,000 credit limit, your score could go up by 40 points.

Thе three lеаdіng сrеdіt reporting аgеnсіеѕ—Exреrіаn, TransUnion аnd Eԛuіfаx—соllесt your сrеdіt іnfоrmаtіоn frоm соmраnіеѕ whеrе уоu hаvе ореn ассоuntѕ. Thеѕе саn іnсludе banks, credit саrd соmраnіеѕ, retailers, аutо and mоrtgаgе lеndеrѕ and еvеn utіlіtу соmраnіеѕ. And whіlе they wоrk tо collect ассurаtе information, thеу don’t аlwауѕ hit the mаrk. An FTC ѕtudу fоund that 26% оf раrtісіраntѕ had a роtеntіаllу material еrrоr in оnе оf their credit reports.

Business Credit Cards | Firstrust Bank

Thе fіrѕt step when looking tо іmрrоvе уоur credit ѕсоrе іѕ to ensure thаt аll accounts аnd negative mаrkѕ оn уоur rероrt аrе асtuаllу уоurѕ. Thе аgеnсіеѕ аrе rеԛuіrеd by fеdеrаl lаw tо рrоvіdе your сrеdіt rероrt fоr free оnсе еvеrу 12 months аnd dо ѕо through AnnuаlCrеdіtRероrt.соm.

Rеԛuеѕt уоur rероrtѕ and mаkе ѕurе everything іѕ accurate. If something іѕ аmіѕѕ, уоu саn fіlе a dіѕрutе wіth thе rероrtіng agency аnd thе bаnk оr lеndеr аѕѕосіаtеd with thе іnсоrrесt information.

When уоu rеԛuеѕt уоur free credit rероrtѕ from, уоu оnlу rесеіvе the report. Yоu don’t see your асtuаl credit ѕсоrеѕ. But fоr those whо wаnt tо ѕіgnіfісаntlу іnсrеаѕе their ѕсоrеѕ, рurсhаѕіng a full сrеdіt rероrt with ѕсоrеѕ саn bе beneficial.

Exреrіаn, TransUnion аnd Eԛuіfаx іnсludе a lіѕt of rіѕk fасtоrѕ аlоng wіth purchased ѕсоrеѕ. Yоur credit score tаkеѕ into соnѕіdеrаtіоn as mаnу аѕ 300 rіѕk fасtоrѕ аnd knowing whаt уоur rіѕk factors аrе will lеt уоu knоw whеrе you саn make іmрrоvеmеntѕ.

Choosing Web Hosting

Choosing a good web host provider is paramount if you want a secure server to rest your website on. Without one, you risk having a random hacker trying to steal your precious data. They also have the flexibility to create your own domain name, so it’s best to choose a company that takes security seriously.

Leveraging a dedicated server can also help keep your data safe from hackers, but it’s not always possible or practical. A single hosting provider might be able to provide a server, but not enough to handle your site. One option is to switch to a VPS, where your site is stored on a server dedicated to your site.

When you’re looking at hosting companies, it’s important to remember that they aren’t an internet access provider, they’re your hosting company. Depending on your budget, you might have to pay a monthly fee, or you might be able to buy a static IP address to buy into their ad-based or subscription model.

Top 3 Fundamentals of Securing Your WordPress Site

The web is full of sites that are full of security vulnerabilities, and they are going to continue to increase. Security professionals spend tons of time thinking about these situations, and most of us aren’t going to start out by developing their own guidelines or techniques. Instead, we’re going to try and break down security issues on a common WordPress mistake, and use it as a foundation to work off of.

Confused by how WordPress works and what it means for security? Check out this free 10-day free trial. You can learn about WordPress the hard way and avoid the whole mess!

Let’s begin!

WordPress security could fall into one of these categories:

Culture: The way that WordPress is handled and the configuration, caching and security that is maintained goes a long way in making a website safe from bad guys.

Security measures in a website’s design, functionality and layout, are not only important, but key to make a website secure. Without good security, you’ll have no web presence, so it is important to make sure you have good understanding of the design and functionality of a site.

Operating System: How well designed a website is is heavily related to how secure it is. Making sure your website can run smoothly from an OS standpoint is something you should be concerned about and is very much something that you should consider when selecting a hosting provider, there are services that offer the best dedicated server hosting, so these are the ones you should check out.

Enabling Java: It is possible for malicious code to be injected into your WordPress website that could harm your data and compromise your security. Installing a security plugin that runs in the background and checks your site for security vulnerabilities every time you use it is a good way to keep the security of your website in tact.

Architectural Decisions: It is entirely possible that a site’s layout or architecture could be attacked from the outside, so you should make sure you’re ensuring that the design and architecture of your website isn’t compromised. Are you ensuring that you are taking advantage of possible “attacks”, whether it be from phishing, viruses or other attack vectors?

Data: Data is the lifeblood of a website, which is why it’s so important to make sure it is kept safe and secure. It’s vital that you can avoid anyone maliciously collecting or trying to gain access to your sensitive data. This means keeping your website secure with encryption technologies and a solid password policy for both your website and any user account.

Importance of SEO

One of the most important functions of SEO is increasing visibility, which means making it easier for prospects to find you when they search for something you have to offer. However, the numbers provided by Google can have an impact on your search results even before you submit them. On top of that, they also change, so it’s important to know what they look like to your prospect in order to build and maintain a strong and accurate ROI.

While SEO is perhaps one of the more common reasons for a website owner’s failure to gain a profit, the real reason is that they give up on it. In this post, I want to help you understand the specific ways that Google has played both hands, and how you can maximize your success in the long run by only focusing on the most important variables and tactics, since there are different resources that help with SEO, and that you can find in sites as

Understand the Negative Landscape of SEO

While the most powerful feature of the internet is the ability to instantly find whatever you want, that also makes it a very competitive environment. As such, it makes sense that SEO is often viewed as the enemy, even though SEO is actually a great way to build a site that’ll generate loads of traffic. However, the reality is that SEO has its critics, especially among those looking to seek the best solutions.

Let’s look at an example of how SEO can become very negative.

While researching SEO methods, it became quite obvious that there are very few methods that are guaranteed to work for all websites. Instead, each method and its efficacy will vary depending on factors such as the quality of the website, the client, the specific type of website, and many more. For example, there are tons of rankings methods, which could be:

1) Increasing the Organic rankings of a site.

2) Optimizing the site for social media.

3) Developing an internal linking strategy.

4) Encouraging sponsored content.

5) Inbound linking strategies.

6) Link building strategies.

7) Search engine ranking.

8) User experience.

9) Content promotion.

10) Design.

Of course, each of these rankings methods has its own specific benefits and disadvantages, so it’s important that you carefully consider the pros and cons of each one and figure out if a specific ranking method could work for your website.

Luckily, you can still improve your SEO strategy even if you’re in an unfavorable situation, because there are lots of tools and techniques out there that can help you improve your overall visibility.

Use Optimization Sites to Improve Your Search Engine Rankings

Optimization sites can help you optimize your website for search engine results and improve your search engine ranking for certain terms. Their purpose is to help your website rank higher in the search engine results by identifying and breaking down keywords into important signals.

Without a doubt, optimizing your website for search engine results is a very important strategy for any website owner to ensure that their website will perform as expected and, at the same time, appear in the best possible location for searches. However, you’ll have to do your own research in order to figure out which optimization sites are worth using.

In this post, I’ve listed 11 of the best optimization sites with all sorts of useful information on them, such as how to create Google Pagerank & how to discover new, relevant keywords to rank for.

You can learn more about them in my article on the most effective SEO optimization sites.