The vast majority of seniors today are using the Internet at least once a week to check email, pay bills online and keep in touch via social media. But all that time online puts them at risk for scams and hacks, such as tax fraud.

In fact, a new survey by Home Instead, Inc., franchisor of the Home Instead Senior Care network, found that 67 percent of surveyed older adults have been the victim of an online scam or hack.

Encouraging seniors to practice cyber security can go a long way toward protecting their identity and sensitive financial information. Home Instead collaborated with the National Cyber Security Alliance to create Protect Seniors Online, available at www.ProtectSeniorsOnline.com, a free resource that educates older adults about cybersecurity. Here, seniors can test their cybersecurity skills with the "Can You Spot an Online Scam?" quiz.

Older adults can take the following steps now to protect themselves online:

• Password protect and secure devices, accounts. Lock all devices (including computers, tablets and smartphones) with secure passwords in case devices are lost or stolen.
• Think before clicking. When faced with an urgent request -- like emails asking for money -- think before clicking or get a second opinion. Clicking on links is often how scammers get personal information. When in doubt, trash an unusual message.
• Share with care. More than half (51 percent) of seniors surveyed by Home Instead use social media to stay connected. Use care when sharing personal information, adjust privacy settings to limit who can see your information, and turn off location sharing.
• Use security software. Install anti-virus and anti-spyware software and program it to run regularly. And be wary of pop-up ads or emails, many of which contain malware that can infect computers.
• Log out. Log out of apps and websites when you are finished. Leaving apps and websites open on computer screens could make you vulnerable to security and privacy risks.
• Recommend support. Older adults who live alone may need help from a trusted source -- such as a family member, tech-savvy friend or professional caregiver --to serve as a second set of eyes.

"Pollution is also a weapon of mass destruction." Most people believe in this while others continue to pretend that pollution is not a problem to mankind. But a lot of major cities today always experience a smoky environment due to a lot of cars and other types of vehicles emitting exhaust fumes into the atmosphere.

Pollution could also cause harm to our health and each of us is vulnerable to its effects. But, you can still minimize the effects of exhaust fumes with a proper exhaust control.

A good exhaust control has good effects that are helpful to the environment as well as to the car owners. This particular approach can first, reduce noise levels. Proper design and installation of an exhaust pipe system can minimize noise pollution where you can ask the help of a professional car service provider like Tyre&Auto Southbourne Group to do this specific task for you. A broken exhaust pipe could also lead to increased noise levels, so in case you're facing such concern, contact a car service provider immediately.

A proper exhaust control also means that direct exhaust is away from the passengers since exhausts were designed at the tail end of a car, or raised high up to support the escape of exhaust fumes into the atmosphere. To assure a more stress-free ride, let a car service provider such as Tyre&Auto Southbourne Group check if there’s any clogging or leaks in your car.

A good exhaust control also results in better engine performance. In case you notice a reduced power and performance in your car, then it could be due to a defective exhaust pipe since it decreases the engine's ability to maximize its burning capability. Inefficient disposal of the waste gases from the combustion process could also lead to a large percentage of lost in an engine's power.

A proper exhaust control can lastly, make fuel consumption more effective since increasing the effectiveness of fuel consumption depends on proper burning. Furthermore, a decreased car mileage is due to a defective exhaust system; and having a faulty exhaust pipe system could pollute the environment as well as burn your money.

Tyre&Auto Southbourne Group strives to always give excellent car service to their customers to help them take care of their cars as well as the environment. The company believes in the importance of being responsible for controlling the quantity and quality of exhaust fumes, and seeing significant value in the good effects of a proper exhaust control.

Our surgical suite is second to none. Most surgeries are performed by our experienced veterinary surgeons. Abdominal and thoracic surgery, eye surgery, perianal surgery, total ear canal ablations, and a full compliment of orthopedic procedures such as fracture repair and cranial cruciate repair are just a few examples of what we do.

While under anesthesia our patients are monitored with top of the line anesthetic monitoring equipment including pulse oximetry, blood pressure analyzers, EKG and temperature probes. Our patients are recovered under the watchful eye of our trained technical staff.

Lured by the presence of lower commissions and the absence of sometimes awkward sales pressure, investors of all stripes appear eager to embark on relationships with robo-advisors.

But fear not. That doesn’t mean investors will “unfriend” their professional financial advisors. Most still want the option of talking to a trusted financial confidante. For investment firms, the challenge is how best to combine digital, low-cost investment advisory services with the traditional approach.

It’s becoming clear that no single formula exists for how—and at what cost—traditional wealth managers should mix a digital experience into their designed client journey. Several brokerages have developed proprietary robo-advisory platforms in-house. Others have been acquiring existing robo-technology to build out their service, offering it as a white-label solution. Indeed, the sector has not lacked for deal-making activity as industry players hunt for the kind of technology they need to bag premium-paying procurers.

In February, for instance, Mercury Capital launched a pilot program in collaboration with Emotomy, leveraging the latter’s digital advice platform. That engagement is the latest of many industry marriages, which have also included RBC Wealth Management’s alliance with FutureAdvisor and Pershing’s partnership with Marstone, both of which are aimed at producing technology platforms for advisors. The commotion is not likely to stop there, as more and more incumbents sense the potential for automated advice-givers. The market can expect to see other asset management firms, as well as wealth advisors, find ways to get in on the robo-activity. Over the long term, such partnerships may expand to combine personal relationships and digital experiences customized for each client segment. While digital platforms will need time to scale, :

Robo-advisors have broad appeal. Such partnerships indicate that the emerging hybrid model is aimed squarely at addressing a demographic beyond millennials. Even high net-worth clients, whose complex needs typically require human intervention, will want the option of

interacting with a digital wealth experience that guides them on their route from prospect to client. The dreaded baby boomer cohort isn’t retreating at the sight of the millennials. In fact, as members of the older generation succumb to retirement, their needs will grow more complex.

Millennials will serve as early adopters.The next generation of investors has been quick to embrace new technologies and experiences, and this should apply to robo-advisors. Furthermore, millennials have a general mistrust of large financial institutions, particularly in the wake of the financial crisis of 2008. Unlike their parents, who forged close relationships with advisors—even using their phones to have conversations with them, as primitive as that sounds—millennials are equally comfortable with making digital connections. They’ve been conditioned to accept that technology can match the performance of its human predecessors, while offering reduced fees and providing greater convenience.

Robo-advisors will gain popularity across all client segments. As machine-learning algorithms continue to develop and produce an investment record, consumers are likely to use these services more and more to complement their existing investment methods. As millennials mature—and their assets increase—they could very well tilt the balance toward more automation, which would be augmented at higher asset levels with a personal relationship.

Typical to any disruptive innovation in financial services, the first to market addresses the underserved. Robo-advisors like Betterment, Wealthfront, and Personal Capital did just that. But automated digital advice has clearly attracted the attention of incumbents. Established players are deploying a quick follow strategy through acquisitions and creating “me too” experiences that emulate disruptors. Scale and distribution matter, and the quick followers don’t need to get it perfect. What’s next? Differentiation. The leaders will need to design a unique digital experience integrated into the fabric of how they serve their clients that combines personal relationships with a digital experience.

Regarding the end to Shanghai MK’s cooperative partnership

We regret to inform you that due to problems including with license renewals, Shanghai MK’s partnership with Hertz China will be terminated at the end of this year.

Hertz-MK will continue operations as one section within Hertz.

Therefore, any reservations beginning January of next year will be handled by Hertz China.

Thank you very much for your patronage to MK hire service over the years.

We kindly ask that you utilize Hertz China for your reservations in the future.

WHEREVER YOU GO, TRUST THE HEART LOGO!

One of Japan’s most appointed taxi groups is now raising the standards of car service in Southern California! MK Group has been providing Japan’s major cities with esteemed driving for over 50 years, earning high acclaim and demand as one of the most courteous companies in the country today. Now as the first car service to branch abroad, Los Angeles MK invites you to experience the convenience and economics of taxies with the high quality of limousines―an affordable yet uncompromised transportation experience unlike any other!

A SAFE AND ENJOYABLE EXPERIENCE

Los Angeles is an incredible site not only for vacation and tourism, but also for business and venture. We ensure that every visitor experiences Los Angeles and the rest of Southern California in the most suitable way. We accommodate all types of travel near and far, whether you are going from the airport to your home or hotel, exploring local hot spots and tourist sites, shopping and dining, or attending events, conventions, and meetings on business.

We travel beyond our Los Angeles headquarters, through local districts such as Orange County, San Bernadino, Riverside, San Diego, Ventura County, and Santa Barbara, all the way to more remote destinations such as San Francisco, Las Vegas, the Grand Canyon, and Phoenix, Arizona. We service you with a broad range of clean vehicles as to better adjust to your needs. For those that are visiting California for the first time or are traveling from outside the United States, our highly skilled staff will assist you thoroughly and safely.

MERCURY CAPITAL ADVISORS OFFERS CONSULTING SERVICES TO GENERAL PARTNERS AS AN ALTERNATIVE TO OUR FUNDRAISING PRACTICE

ADVISORY TEAM WILL PROVIDE:

• Comprehensive review of general partner’s portfolio and strategy
• Guidance on the development of key marketing and investor due diligence materials for a given fund product
• In-depth fund performance analysis
• Advice regarding market conventions, including fund structure, terms and other investor conditions
• Presentation assessment and coaching
• Investor follow-up strategy

MERCURY CAPITAL ADVISORS OWNS REGISTERED BROKER-DEALERS IN FOUR STRATEGIC GEOGRAPHIES PROVIDING SEAMLESS ACCESS TO THE WORLD’S MOST IMPORTANT INSTITUTIONAL INVESTORS

AMERICAS

Mercury Capital Advisors, LLC Member FINRA and SIPC

Mercury Capital Access, LLC Member NFA

225 Liberty Street, 36th Floor

New York, NY 10281

MIDDLE EAST

Mercury Capital Advisors, LLP – Dubai Branch Authorized

and Licensed by the Dubai Financial Services Authority (DFSA)

Office 09 Gate Village

Building 4 Level 3

Dubai International Financial Centre

PO Box 113355

Dubai, United Arab Emirates

ASIA

Mercury Capital Advisors Asia, LLC Registered with the JFSA Kanto Local Finance Bureau in Japan as a Financial Instruments Business Operator Engaging in Type II Financial Instruments Business

Yurakucho Denki Building North Tower 12F

1-7-1, Yurakucho, Chiyoda-ku, Tokyo 100-0006 Japan

EUROPE

Mercury Capital Advisors, LLP Authorized and Regulated by the Financial Conduct Authority (FCA) in the United Kingdom

1 Knightsbridge Green

London SW1X 7QA

United Kingdom

The Team

Accounts

Jason Pratlett

Administration

Liz Hinder

Finance

Amanda Goom

Operation

Matt Davis

Stocktaking

David Clark

Utilities

Leila Sefton

We have operated a pub management holding company for the past 10 years during which time we have traded hundreds of pubs of all different types across Wales, the West and the Midlands.

Each member of our team has gained a wealth of practical experience from running an estate of pubs on a day to day basis over many years. We can offer advice and support to provide a total management solution in all aspects of the licensed trade.

Denny Goom - Director

Bricon Associates Pte Ltd was established by veteran insurance consultant Ms. Elizabeth Lee. With more than 35 years of industry experience under her belt, Elizabeth has won numerous awards for 90% policy renewals from clients as well as record sales for medical and general insurance businesses. Our insurance company specialize in Car, Home, Health, Dental, Optical and Pregnancy coverage in Singapore

"The success of an insurance program is not how much lower you pay but how much you are helped by it.”

–Elizabeth Lee, founder, Bricon Associates

As the head of Bricon Associates, Elizabeth is committed to quality care for her clients and places a strong emphasis on customer service. The firm’s support team is on call even after office hours, so as to deliver services to clients without delay.

With over 35 years of experience in the business, we possess in-depth knowledge on the various facets of the insurance industry. Our skills and expertise have greatly benefitted our clients, proven by our strong track record in insurance settlement.

Through our close working relationship with doctors and specialists, we are constantly kept abreast of the latest information on medical costs and their impact on our clients. This ensures that both you and your employees are presented with medical schemes and healthcare management plans that are on par with current trends in medical costs.