MLM (multi-level marketing) business models are believed to have existed since the 1920s - it is estimated that approximately over 1,000 companies in the US currently use this model. MLM has gained immense popularity over the past years, especially among individuals who wish to earn extra income, want flexible work opportunities, have financial independence, or become entrepreneurs without the associated risks and overhead costs of starting a business.

Time theft happens when employees dishonestly use their paid work hours for personal activities or tasks unrelated to work. Time fraud significantly impacts an organization’s productivity, business strategy, finances, and employee morale. To keep a high-performing work environment, companies must combat time theft.

Snapchat is a mobile-based social media platform owned by Snap Inc.; it is a global platform, hosting over 734.8 million users, the majority of which are Gen Z. The platform began as a resource for sharing pictures between friends but has evolved to include options for creator content, group conversations, and the sharing of media. As Snapchat’s audience continues to grow, so too, do the threats those members face.

In today’s digital landscape, cryptography plays a vital role in keeping information secure. Encryption is one of the primary techniques used in cryptography to ensure that data transmission online is secure and that sensitive information stays protected from unauthorized access. Through encryption, organizations and individuals can mitigate the risk of data breaches and ensure that their confidential information remains that way.

The Publishers Clearing House (PCH) appeared in 1967, promoting magazine subscriptions, merchandise, time-share vacations, and their famous cash prize sweepstakes. Since 67’ over 11 million people have won PCH sweepstakes, totaling over $593 million in cash winnings. More people than ever have entered the PCH sweepstakes, looking for their chance to win thousands - sometimes millions - of dollars overnight.

Job scams continue to rise in the United States as of 2024. According to the Federal Trade Commission (FTC), Americans lost about $490 million to job opportunities and employment scams in 2023, with 107,134 reports. This was a significant increase over 2022, with 95,327 reports of employment scams and a $373.5 million loss to these scams. Besides financial losses, scam artists are also conning unsuspecting job seekers out of their personally identifiable information.

With cyber threats on online payment methods becoming more common in today's digital age, ensuring that payment systems are secure and sensitive information is not hijacked when making payments has become ever more critical. To ensure that you choose the right option when making payments online or physically, we have compiled a list of the top 6 most secure payment methods. These payment options prioritize security, offering robust features and protections to safeguard your financial data.

Cloud computing has gained traction in recent years due to its ease of scalability, flexibility, and efficiency. It allows businesses to accelerate innovation and spend less in meeting client or consumer demands. With several businesses migrating their operations to the cloud, cloud computing has become the technology of choice as it becomes more readily accessible and affordable.

Airbnb has brought a new paradigm to the hospitality industry. It has become the go-to platform for persons looking to make additional income with their properties and travelers looking for unique accommodation experiences away from home. However, this new model and its appeal have also attracted individuals looking to exploit the platform for fraud. Scams on Airbnb are becoming increasingly common, as both hosts and guests are not left out from becoming targets.

Identity theft and card fraud are the main concerns associated with using debit and credit cards. Like any financial instrument, credit and debit cards are susceptible to certain security threats that can compromise cardholders' information and lead to credit card fraud or debit card fraud. Common examples of such financial security threats include card theft, phishing, skimming, malware, card cloning, vishing, weak passwords/PINs, and social engineering.