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Norman Steisel

Norman Steisel has a work background that includes major positions with NYC government, including a prior role as NYC Deputy Mayor. He also has prior investment banking experience with Lazard Freres & Company. With Lazard Freres & Company, he was accountable for the firms environmental corporate and municipal project financing activities. Today, Norman Steisel offers his expertise from these sectors via his consulting services, which he furnishes to different firms and industries.

Norman Steisel founded EnEssCo Approaches, Inc. In fact, he served as President from 1994 to 2003. The Company provides management and consulting services to executive management of firms and industries in government-regulated sectors. EnEssCo has worked to acquire and fulfill crucial marketing plans for the U.S. subsidiary of the worlds leading water/waste water treatment firm, and for a leading vendor of advanced wireless voice and data telecommunications technologies with deployment of their services in municipal facilities.

Norman Steisel most recently served as the Executive VP, COO of the Philadelphia Stock Exchange. This is previous to their being immersed into NASDAQ. Now as a consultant, he focuses on giving others the opportunity to learn from his variety of professional experiences. He helps companies adjudicate which systems, processes, policies, initiatives and such are best suited to taking their companies to new heights.

This advice serves companies so they can make enlightened decisions. This helps them determine what course to chart for their businesses, while adhering to budget parameters they must function within each fiscal year. Norman Steisel also honed his ability to examine situations, and formulate programs, in the pressure cooker world of city politics, and in the high-pressure world of investment banking.

Norman Steisel remains devoted to serveing public and private businesses through his consulting services. He continues to work on assisting businesses in the efficient implementation of enterprise practices that are more environmentally responsible, while at the same time based on sound business fundamentals. Norman Steisel concentrates on client satisfaction delivered with the weight of his public service and private industry know how behind it.

When you access the Internet through the world wide web it is extremely important that you safe guard your personal information.

There are literally thousands of people around the world that make a living exploiting the security loop holes by accessing your personal identity, passwords and bank accounts.

There are many more daily who are the victims of these crimes. You have a responsibility as a user of the Internet to take certain precautions to protect yourself from online crime.

Internet users who access bank accounts, e-currency accounts or any source of personal information online, should be aware of the following methods used by criminals to convince you to reveal your confidential information.

Here are some simple steps to help keep your information secure

1. Avoid being a victim of fradulent email requests for personal information

This method is called “Phishing” and is a popular way for criminals who are acting as legitimate businesses to steal your personal information. This is usually accomplished by sending you an email with a hyperlink to a fraudulent website made to look like the real one. Once you have entered your information the perpetrator will have access to your account, many times unknown to you.

One way to avoid falling victim to this sort of scam is to never provide any personal details in response to an email. Legitimate businesses will never ask you for your password by email. Be aware of suspicious emails from unknown individuals. Delete before opening anything that you think might be harmful.

2. Make sure you visit your bank, e-currency or financial website via your Internet browser with the correct website address.

3. You should take care to never follow any suspicious hyperlink, url, or open an unknown senders attachment.

If you inadvertently reply to a “Phishing” email or respond to what you think could be a fraudulent website, contact your associated financial institution immediately for advice. Do not delay in seeking help. Check your account for any unusual activity.

Ways to protect your computer

1. It is important to use only a trusted and secure computer to access your Internet banking account.
2. Using publicly shared computers, such as those at Internet cafes, is strongly discouraged.

3. It is recommended that you keep your computer up to date with current anti-virus protection, firewall and the latest patches.

4. Remember that after you install virus protection it is necessary to update the software so the protection remains current.

5. Avoid using the “remember my user name and password” feature when accessing sensitive financial information.

6. Make sure not to store your passwords and account information on your computer.

7. Use a different password for your bank than you would for your email address.

8. Do not use easy to guess passwords, or passwords that closely relate to you. Your birthdate, name or favorite pet make poor passwords.

9. Create passwords that have both numbers and letters.

10. If you use a wireless network it is important that you never leave your computer unattended.

11. Take extra precautions around wireless fidelity (Wi-Fi) hotspots that provide free Internet connections. Coffee shops, Internet cafes, airports and libraries can pose significant security threats. Avoid conducting sensitive business in a Wi-Fi hotspot.

Sniffing and Evil Twinning are two methods devious criminals are using to steal confidential data. Sniffing is the act of using a program to search for certain information like passwords and credit card numbers over a Wi-Fi network. Evil twinning mirrors the setting of a Wi-Fi hotspot. When the unsuspecting person uses the evil twinning hotspot the hijacker uses sniffer technology to access anything the victim might be sending.

12. When accessing bank accounts online, confirm that your data is encrypted between the bank and your computer by looking for the padlock symbol on the bottom right hand corner of the browser window.

13. Close your Internet browser after logging out at the end of each online banking session.

14. Beware of any windows that ‘pop-up’ during an online banking session.

Most financial institutions have detailed information on their websites on how their customers can protect themselves from Online fraud attempts. Visit their website or contact them via email or telephone for information on how you can protect yourself from online criminals.

Matt Sherborne is the creator of Get Rich Trading E-Currency. For more information on trading e-currency visit:
www.dxingold.com

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There are undeniably a myriad of satisfactory reasons why you might well conceivably really desire to exchange a set amount of your money for foreign currencies. It will conceivably be the scenario that the exchange rate is great; the foreign currency transfer will be for that important product, the transfer might well be because you are relocating yourselves to lands afar. No matter who you and your family happen to be chances are strong that at one particular moment in a percentage of your life you’ll very much wish to dabble in foreign currencies.

If your family are doubtlessly looking to construct your house in a overseas land there are without a doubt of course numerous elements you can your household really must take into consideration; yet, it is irrefutable that one of the present most principal things is the present exchange rate you could get for your money. Swapping currency at the incorrect moment and securing a no-good exchange rate can often mean that low cost home you and your family found in Cambodia is suddenly costing you and your next of kin a fantastic about of money. This not just applies to homes but all noteworthy overseas acquisitions where your family will be Swapping currencies; this might well be a boat, car, costly watch, gold wedding band, in fact just about anything you may think of.

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Radio Rentals brings back shocking memories of mullets, Ford Cortinas and series of The Sweeney on ailing television sets. However, one of its direct descendants BrightHouse Electricals is starting to win back the place it lost on the high street through the rise of the likes of Currys, Dixons and Comet and the decline of the price of TVs.

BrightHouse was spun off from Thorn-EMI, the owner of Radio Rentals, by Terra Firma, Guy Hands’s private equity group. It earned infamy for very high APRs and costly mandatory extra cover. Todaythe chain is on the front foot, attempting to clean up both its branches and its reputation as it embarks on a very important growth programme. It plans to open 21 outlets next year and estimates that there is enough demand for at least 600.

Only a dozen of BrightHouse one hundred and seventy eight shops are in within the M25, but, as Leo McKee, the sincere chief executive of the chain, is fond of saying the high street becomes a very different place when you leave the borders of London behind.

Its customers, almost solely from the lower socioeconomic layers are having trouble to find credit – if they ever could – as lenders cut their risk profiles.

“We are working on areas that [Lloyds] TSB are moving away from,” Mr McKee said. The idea of BrightHouse stepping in to give credit to our less wealthy communities will not fill everyone with joy. However Brighthouse’s CEO insists that this is an outdated perception.

“When I “started in my job [in 2004], we “requested a “external “research to examine “the proposition asking: ‘Is it sufficient?’ and: ‘Does it have longevity?’ he stated.

“The results came back: your name on the high street is garbage; you’re seen as a rip-off merchant; the prices were high, the stores shabby.

“The first decision I made was to change all the prices to match the high street, on the day I found out [the results].”

The previous thinking was that as far as customers could afford the £10 a week, they would not worry about the final price. And this thinking had side effects right through the business.

That is what Brighthouse are now trying to sort out so their image improves amongst the general public.

While expressing his opinion at the recent Reuters Global Real Estate Summit in London, Mike Sales, head of property investments at Henderson Global Investors said that the real estate rental prices are going to fall further and will hit the bottom around the end of the year. T

he current economic slump, which has resulted in large-scale job losses, has also impacted the rental rates massively. The rates have fallen by as much as 44% since January 2007 and they are expected to go to 50% by the end of the year as the economy continues to be in a slump.

A project called ‘Cheesegrater’, the Leadenhall skyscraper, which was to be developed by British Land Company, has been halted. Another project that was supposed to be a 36-story building offering shared offices at 20 Fenchuch Street has also been affected by the slowdown. The tough financial condition has especially been hard on London’s financial district.

Mike Sales also said that any kind of construction is unlikely to continue, as the investors were not sure they would get the tenants and consequently a return on their money. Although he believes that the existing office space will be taken but its going to be very slow process till the situation improves which according to him could take some years.

Mr. Sales is sure that the improvement in rental rates is some time away and people will see the return of 2007 rates only after five years or so, but he also talked about Henderson planning on raising investment for a project in Central London so that it could be leveraged when the markets recover.

Consensus Group’s Vincent Tchenguiz has recently been offered the sale for £200m the Standard Chartered building at 1 Basinghall Avenue in London. This 200,000 square metre commercial building is currently owned by a Middle Eastern Company who bought it for £120m back in the fall of 2005.

The building is currently rented out for £10m per year. Originally bought from the City of London Unit Trust, it then went on to be the object of a £170m deal on sale and leaseback to the Sloan Capital company, a real estate development company working for the tycoons of the horse racing industry.

This purchase will be the first one of Vincent Tchenguiz since his purchase of the Rainlodge student hall in Leeds which he bought for £11m.

Not dealing in such high stakes as this though, more businesses are looking to take out leases on the work places they require rather than the rising costs of buying them. A lot of companies have even decided to sell premises that they once owned and move into rented ones. Another resulting factor of this has been the boom in desk space rental, many areas such as Liverpool for example, with declining office space sales are seeing a demand in desk rental (click here for desk space Liverpool info).

The Consensus group has also sold properties in the UK over the past couple of years including, most notably, the Shell-Mex House in London which was bought by the American company, Westbrook for the price of almost half a billion pounds.