The purchase of a home or investment property is often the largest financial transaction you will undertake in your lifetime. So, when selecting an Independent Buyers Agent Melbourne, choose someone who understands your needs and will act solely on your behalf. They should have a deep understanding of the market, local suburb values and have established networks that give them access to properties that are not publicly advertised.

In addition, they should have the skills to negotiate on your behalf with vendors and their selling agents. And they should be able to provide you with comprehensive property reports, including building and pest inspections, engineering reports and the like. They should also be able to assist you with the selection of your conveyancer and liaise with them throughout the process.

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A good Buyers Advocate will also be able to provide you with insight into emerging opportunities and broader market trends. This knowledge can help you avoid expensive mistakes and maximize your long-term financial outcomes. And they will know when to take a stand and when to compromise, depending on your unique circumstances.

Cate Bakos is a REBAA-accredited buyer’s advocate and an experienced and professional member of the Real Estate Institute of Victoria (REIV). She has extensive experience in both the residential and investment markets, and a strong background in asset selection and negotiation. Her boutique Melbourne Buyers Agent firm is committed to providing a full range of tailored advocacy services, and she is passionate about helping clients feel understood and confident throughout their property journey.

The consequences of email fraud prevention strategies can be serious for businesses and individuals, including monetary loss, identity theft and disruptions to daily business operations. Often, bad actors steal credentials in the form of fake login pages that download malware or promise victims that they’ve won a prize or other incentive, then use those credentials to commit further fraud or theft. Other common email fraud techniques include advance fee frauds and wire fraud, which is typically used to defraud individuals and companies that operate a large online presence, such as banks, airlines or e-commerce platforms.

Email Fraud Prevention Strategies

In order to combat the many types of fraudulent emails, companies should implement multiple strategies for email fraud prevention. Educating employees on what to look for and encouraging them to forward suspicious emails rather than respond will help to reduce successful compromises. In addition, training new hires on company security policies and procedures can help to foster a culture of cybersecurity awareness that will mitigate the impact of phishing attacks.

In addition to educating employees, companies should deploy email authentication protocols like DKIM and DMARC to verify the authenticity of email senders and block forged messages. Emails that are addressed to a random recipient, such as “Dear XXXX,” or contain language not typically used by friends and work colleagues are more likely to be a malicious attempt to trick recipients into interacting with the attacker, and should be acted upon immediately or reported to a colleague for confirmation. Finally, a comprehensive fraud detection solution that uses email address identity verification checks, live appends and domain reputation can provide a precise risk score for each transaction or registration, which will prevent the most sophisticated attempts to bypass traditional email filtering.

CBD has become a staple of health and wellness. It’s in everything from post-workout smoothies to calming bath soaks to pet treats, and it has spawned an entire industry of hemp and marijuana-derived products. But what does CBD do, exactly?

Sweet Sensi article explains CBD interacts with our endocannabinoid system to promote balance in the brain and body, per Harvard Medical School. It can help with pain, anxiety, depression, autoimmune disorders, insomnia, and inflammation. It also may reduce the side effects of PTSD and schizophrenia, improve the health of smokers by aiding in lung recovery, and relieve symptoms of neurodegenerative diseases, like Parkinson’s disease or multiple sclerosis.

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Although it’s not a cure, there’s strong anecdotal evidence that CBD can ease anxiety and reduce the frequency of seizures for people with epilepsy. The FDA has approved a prescription CBD product, Epidiolex, to treat seizures related to rare conditions like Dravet syndrome.

If you choose to use CBD, experts recommend looking for a high-quality product that’s been third-party lab tested and contains a batch number. You should also be able to see all the ingredients, including other herbs or supplements that are in the product. For example, melatonin is sometimes added to CBD products because of its sleep-enhancing properties. And it’s important to let your doctor know you’re taking CBD because it can interfere with certain blood-thinning medications, like aspirin, and can affect liver-related blood tests. It can also decrease the absorption of iron from foods and some dietary supplements.