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[ad_1] Computer code on a screen with a skull representing a computer virus / malware attack. Nearly a year has passed since the Cloudstar ransomware attack and Stephen Millstein says he still feels “something like PTSD” whenever he thinks about what went down that dreadful mid-July weekend. Millstein’s title firm, Certified Title Corporation, founded in 1994, was one of the hundreds of firms impacted by the cyber attack on the cloud storage provider. “They essentially housed our entire business,” Millstein said. “I have compared it to waking up one morning and discovering that you have no credit cards, no passport, no ID, no cell phone — nothing. And then how do you go about reestablishing yourself when you have nothing to build from?” At the time of the attack, Millstein and Certified Title Corporation had been with Cloudstar for 10 years. The digital storage provider housed all of Certified Title’s data and hosted the firm’s subscription to ResWare, its closing software of choice. “It was like Certified Title never existed,” he said. At the time of the attack, Cloudstar operated six data centers in the U.S. and served more than 42,000 users, according to the American Land Title Association. The attack left hundreds of title companies and lenders unable to conduct transactions or close loans. For Milstein and many others in the title industry, the attack served as a wakeup call that even their encrypted cloud storage providers were not safe from security threats. “We got a phone call Friday morning around 10 telling us that they were having a problem related to ransomware, but they didn’t offer any real information,” Millstein said. “Ransomware was a new word to me in the context of it actually affecting me — I had heard it on the news, but this was the first time it meant something to my life. Initially, I didn’t think too much of it and figured that by Monday things would be right as rain.” Over the course of the weekend, Millstein realized he was wrong. “We did ultimately get our data back from Cloudstar, but it took months for that to happen,” he said. Title shrugged Bruce Phillips, the senior vice president and chief information security officer at west, a WFG company, was about to get on his tractor Saturday morning when he received a phone call from WFG’s general counsel. Some of the independent title insurers the firm contracts out to were having an issue. “Once we realized what was going on, it was really eye opening because it wasn’t the companies themselves that were compromised, it was an underlying service provider,” Phillips said. Adding to the stress of the situation is what Phillips and Millstein both describe as a total lack of communication from Cloudstar. “I was lucky and got a call from Cloudstar Saturday afternoon and the guy who called me just told me that it was really bad and said that I would still have a problem come Monday,” Millstein said. “But from the other title firms I have spoken with it doesn’t sound like anyone else got a phone call.” Millstein never heard directly from Cloudstar again after that Saturday afternoon call, and as far as Phillips knows, none of the independent firms he works with received any notice or updates of what was going on. “There was zero information,” Phillips said. “I was reaching out to all of my contacts trying to find out as much as I could because the Cloudstar customers were getting zero information and the ones I have talked to since have still not gotten good clarity on what happened. I think the lack of communication to the affected parties was the worst part of it for many.” As a result, Cloudstar customers were forced to rely on press statements published on the cloud service provider’s website. The final update came in October, when Cloudstar announced that the third-party forensics experts it had brought in to conduct the investigation and assist in data recovery efforts, Tetra Defense, had finished its investigation, allowing the service provider to onboard new clients and welcome back those who had temporarily left. If one were to visit Cloudstar’s website today however, they would see an Ayn Rand quote that reads: “I started my life with a single absolute: that the world was mine to shape in the image of my highest values and never to be given up to a lesser standard.” Cloudstar then wrote: “The dawn of a new Cloudstar is upon us. Check back soon as we architect a robust future where technology safely enables the exchange of commerce. To our loyal customers, we thank you for your continued support and look forward to servicing your information technology needs.” Preparedness The lack of clarity on Cloudstar’s website feels frighteningly on brand for a firm that suffered an attack, where a year has passed, and no one knows who carried out the attack and how they bypassed Cloudstar’s security systems. “I do security for a national underwriter,” Phillips said. “I feel like I need to understand what happened. It is not about finger pointing, it is about finding out how it happened so we can build better defenses for future attacks. I mean within weeks information was out about the SolarWinds attack and this has been a year and we have nothing.” Even before the Cloudstar attack, security and preparedness were top of mind for Phillips. “The advice we have been giving everybody is to think about business resilience and what the worst case scenario might look like and how you can recover from that,” he said. Reggie Davis, the general counsel at closing software provider Qualia, said that backups are key. “I’m a big believer that you don’t want to have a lot of heroic efforts when it comes to security,” Davis said. “You want to have good people, processes and policies behind the scenes. We also encourage people to do business continuity disaster recovery planning and training, so

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[ad_1] Wow! These are such great deals on water tables! Zulily has Step2 Water Tables for just $39.99 today! Plus, when you shop through our link, you will save an extra 15% off — making them just $33.99! Zulily sent us a water table to try a couple months ago and we absolutely love it! Both Kierstyn and D have spent hours outside playing with it since we got it. It is not only fun, but also really good for D when it comes to learning and practicing so many different skills. His therapists are thrilled that he’s spending so much time standing up and playing with it! They don’t have our exact model included in this sale, but there are several varieties to choose from at this great price! Shipping starts at $6.99. But if you place one order today, the rest of your orders will ship for FREE through 11:59 p.m. PT tonight! Shop the Step2 Water Tables Sale here. [ad_2] Source link

[ad_1] In what can be called the ‘breaking the internet’ news of the day, businessman and IPL founder Lalit Modi announced via a social media post that he is ’beginning a new life finally’ with ‘betterhalf’ and former Miss Universe Sushmita Sen. Lalit Modi took to his Twitter and Instagram handles to make the official announcement. He shared a mushy post along with a series of pictures from their vacation in Maldives and Sardinia. He also shared a few throwback pictures featuring the duo in their younger days. “Just back in London after a whirling global tour #maldives # sardinia with the families – not to mention my #betterhalf @sushmitasen47 – a new beginning a new life finally. Over the moon.” said one of his social media posts. Just back in london after a whirling global tour #maldives # sardinia with the families – not to mention my #betterhalf @sushmitasen47 – a new beginning a new life finally. Over the moon. ???????????????????????????????????????? pic.twitter.com/Vvks5afTfz — Lalit Kumar Modi (@LalitKModi) July 14, 2022 In another Twitter post, he clarified that “Just for clarity. Not married – just dating each other. That too it will happen one day.” Just for clarity. Not married – just dating each other. That too it will happen one day. ???????????????????????????????? pic.twitter.com/Rx6ze6lrhE — Lalit Kumar Modi (@LalitKModi) July 14, 2022 Lalit Modi also changed his Instagram bio and display picture after the announcement. “Founder @iplt20.INDIAN PREMIER LEAGUE finally starting a new life with my partner in crime. My love @sushmitasen47” it said. Lalit Modi’s posts garnered thousands of retweets, likes, and reactions within minutes of going online. While some couldn’t believe the news, a user shared, “it’s a pleasant surprise.” Soon memes started doing the rounds. Lalit Modi is in London since 2010. Sushmita Sen on the other hand was in news last for returning to the screen with the third season of her successful web show, Aarya. Sen, however, didn’t make any official announcement about her relationship with Lalit Modi till the time this story was published. [ad_2] Source link

[ad_1] The Federal Housing Administration’s recently announced first look program for foreclosed property auctions is a welcome innovation that should help boost a trend that has been developing over the past decade: more foreclosed homes getting into the hands of owner-occupants and fewer getting into the portfolios of large-scale single family rental operators, often backed by Wall Street. Some might be surprised to hear about this trend toward higher owner-occupancy rates for foreclosed homes. It is counter to a popular and politically potent narrative grounded in the aftermath of the Great Recession, when large institutional investors scooped up thousands of properties at foreclosure auction. This narrative was once again repeated in the HousingWire article announcing the FHA first-look program: “Typically, FHA-insured foreclosed properties are snatched up by large investors and turned into rental properties.” But proprietary data from Auction.com and public record data clearly show this oft-repeated narrative is yesterday’s news. Net owner-occupancy rates Among nearly 135,000 properties foreclosed between 2016 and 2020 that sold to third-party buyers at foreclosure auction on the Auction.com platform, more than half (54%) are owner-occupied as of 2022, according to public record county tax assessor data from ATTOM Data Solutions. That compares to a 49% owner-occupancy rate for more than 190,000 properties that reverted back to lenders at foreclosure auction. Most of these reverted REOs are eventually sold via the Multiple Listing Service (MLS). The data paints a similar picture specifically for foreclosed properties backed by FHA-insured loans, the subject of the recently announced first-look program. Over the same period (2016 to 2020), the net owner-occupancy rate for FHA foreclosures sold via auction was 57% compared to 50% for FHA foreclosures sold on the MLS. The higher owner-occupancy rate for distressed properties sold at auction than those sold on the MLS is a surprising stat given that the MLS is much more broadly known to retail, owner-occupant buyers. The role of renovators A deeper dive into the data helps to explain this surprising result. While most distressed properties sold at foreclosure auction don’t go directly to owner-occupant buyers (the reasons for that have recently been well-explained by Urban Institute research), many end up with owner-occupant buyers by way of  local investors who renovate distressed properties into a condition that is attractive and financeable — but still affordable — for owner-occupants. Among more than 73,000 properties sold to third-party buyers at foreclosure auction between 2016 and 2020 and then subsequently resold into the retail market, 73% (more than 53,000) were sold to owner-occupant buyers, according to the public record data. That compares to a 58% owner-occupancy rate for more than 121,000 properties that resold on the retail market after reverting back to the lender at foreclosure auction during the same period. It turns out local investors are also more efficient than banks and government agencies at renovating and reselling homes. The local investors resold their renovated homes to owner-occupants an average of 311 days after the foreclosure auction, about three months faster than the average 397 days it took to resell renovated REO homes. Again, the trends are similar for foreclosed properties securing FHA-insured loans: a resale owner-occupancy rate of 74% among properties purchased at foreclosure auction by third-party buyers compared to a resale owner-occupancy rate of 56% among those that reverted to the lender at the foreclosure auction. Among the FHA foreclosures, local investors resold their renovated homes an average of 287 days after the foreclosure auction, nearly five months faster than the 431 days on average to resell renovated REOs. I buy local But what about the foreclosed properties that don’t end up in the hands of owner-occupants? Are those going to “large investors” building single family rental empires, as claimed by the popular narrative? Once again, the data clearly points to this narrative being outdated. Nearly 100% of Auction.com buyers in 2021 (99%) purchased 10 or fewer properties during the year, and 79% purchased just one property. The 99% of buyers accounted for 89% of all properties purchased during the year. Furthermore, 83% of all purchases on the auction site in 2021 were made by buyers who lived within 100 miles of the property purchased, while 63% were by buyers who lived within 25 miles. The median distance between buyers and properties purchased was just 17 miles. This data paints a much different picture of the typical foreclosure auction buyer than that painted by the popular narrative. These are not multi-state institutional investors purchasing hundreds of properties a year at foreclosure auction. These are local investors buying a few properties in communities where they live and work. Bye-bye bulk buyers The popular narrative about foreclosure auction buyers is grounded in truth; it’s just truth from more than a decade ago. Public record data looking at the total foreclosure sales market demonstrates this. In 2009, at the peak of the Great Recession’s foreclosure crisis, more than half (52%) of all foreclosure sales were sold to entities who purchased at least 10 properties in a calendar year, according to data from ATTOM Data Solutions. But that share has gradually shrunk over the last 12 years. In 2020 and 2021, only 11% of total market foreclosure sales went to entities who purchased at least 10 properties in a calendar year. Broader buyer spectrum The 11% of 10-plus property buyers in the total market is likely higher than the 1% on Auction.com for a couple reasons. First, site’s data is only looking at the number of properties purchased on the platform while the public record data is looking at total properties purchased. Secondly, properties sold through the auction platform are more visible and accessible to a broad spectrum of buyers than are properties sold through the traditional foreclosure sale model. In that model, the only marketing of foreclosure auctions is through notices in a local newspaper or legal publication. This technology-enabled transparency is creating equal opportunity for more buyers, including smaller-volume local investors who can now better compete against the large-volume institutional investors. Daren Blomquist

[ad_1] Today only, you can score some really hot deals on Melissa & Doug Toys! Here are a few deals we spotted… Melissa & Doug Water Wow! – Water Reveal Pad Bundle – $8.29 Melissa & Doug Joey Magnetic Wooden Dress-Up Pretend Play Set (25+ pcs) – $6.17 Melissa & Doug Let’s Play House Dust! Sweep! Mop! 6 Piece Pretend Play Set – $19.89 Melissa & Doug Scoop and Stack Ice Cream Cone Magnetic Pretend Play Set – $18.19 Melissa & Doug Feed & Groom Horse Care Play Set With Plush Stuffed Animal (23 pcs) – $16.76 Melissa & Doug Scratch Art Rainbow Mini Notes (125 ct) With Wooden Stylus – $5.75 Shop all the deals here. Not a Prime member? Sign up for a free trial of Amazon Prime to take advantage of this deal and get free 2-day shipping! [ad_2] Source link

[ad_1] The US and Israel on Thursday have inked a joint declaration committing to preventing Iran from acquiring nuclear weapons. The declaration was signed in the presence of the US President Joe Biden and Israeli Prime Minister Yair Lapid in West Jerusalem. The two leaders reiterated their anti-Iran positions when they had one on one talks which was followed by the first ever I2U2 Leaders summit. This summit took place virtually and all the leaders – Prime Minister Narendra Modi, UAE Sheikh Mohamed bin Zayed Al Nahyan, President Joe Biden and Israeli Prime Minister Yair Lapid were present. According to the statement the US and Israel have inked, to deny Iran the ability to arm itself with nuclear weapons, the statement states that the US will use “all elements of national power” available. The statement also included pledge by Washington to The joint declaration also includes a pledge by Washington to continue military aid to Israel. The visit of US President Joe Biden to Israel and Saudi Arabia which began on Wednesday had Iranian nuclear developments as one of the main agenda of discussions with Israel and Saudis. The US –Iran nuclear deal delivered by Barak Obama in 2015 and abandoned by Donald Trump in 2018 seems going nowhere, although President Biden remains keen to revive the talks. Expert View Sharing his views with Financial Express Online, Indian Army veteran Maj Gen Nalin Bhatia says, “The coming together of two parallel alliances, US-Israel-Saudi Arabia and Russia-Iran-Turkey, would certainly impact the developments in the Middle East.” The present global political as well as economic situation remains in the throes of uncertainty. “Both Iran and Russia have been working together to forge closer relationships to break free from the sanctions regime. How the alliance shapes would be interesting from the perspective of new alignments that would emerge in the Middle East,” opines Maj Gen Nalin Bhatia (retd). According to him, “Equally interesting aspect of the visit would be the meeting between President Biden and Saudi Crown Prince MSB on Friday, something that the President seemed not too keen on in the recent past, calling him a ‘pariah’ in his election campaign.” Meanwhile, “Iran continues to challenge the USA and its allies; primarily Israel and Saudi Arabia, and continues with its anti US tirade by remaining defiant to come to negotiations on the nuclear deal. Iran continues to pursue its nuclear programme and encourages its Shia proxies to militarily target US in Iraq and Saudi in Yemen,” he observes. Iran offers drones to Russia Other interesting developments that would certainly concern the US are the reports of Iran offering its array of UAVs and weapons- capable drones to Russia for use in Ukraine. “As is widely known, Iranian drone expertise has grown exponentially during the last couple of years. It has used drones extensively in Gaza, Yemen, Lebanon, Syria, and Iraq. In fact Iranian drones, loaded with explosives have been a major headache for US troops in Syria,” he adds. At the moment, the war in Ukraine seems to have brought Iran closer to Russia, due to both countries being at the receiving end of US sanctions. According to the Indian army veteran and expert on strategic affairs, “The reports of forthcoming visit of Russian President Putin to Tehran on July 19 to attend a trilateral meeting with the leaders of Iran and Turkey — Ibrahim Raisi and Recep Tayyip Erdogan, in the backdrop of Iranian offer of drones to Russia would be keenly watched.” The present global political as well as economic situation remains in the throes of uncertainty. “Both Iran and Russia have been working together to forge closer relationships to break free from the sanctions regime. How the alliance shapes would be interesting from the perspective of new alignments that would emerge in the Middle East,” he states. [ad_2] Source link

[ad_1] Get a head start on your school supplies for fall with these deals at Walmart! Crayola Classic Crayons, Assorted Colors, Back to School, 24 Count – $0.50 Pen+Gear Washable School Glue, White, 4 fl oz – $0.25 Pen + Gear Classic Crayons, 24 Piece Count – $0.25 Pen+Gear 1-Subject Notebook, College Ruled, Blue, 70 Sheets – $0.35 Pen+Gear No. 2 Wood Pencils, 12 Count – $0.47 Pen + Gear Composition Book, Wide Ruled, 100 Pages – $0.50 Elmer’s Disappearing Purple Washable School Glue Sticks, 2 Count – $0.54 Cra-Z-Art Real Wood, Pre-sharpened Strong Colored Pencils, 12 Count – $0.75 BIC Cristal 10pk Black – $0.97 Crayola Crayons, 64 Count, Assorted Colors – $3.17 Ticonderoga 24 Count Yellow Wood Case Pencil – $3.97 Sharpie Tank Style Highlighters, Chisel Tip, Assorted Fluorescent, 12 Count – $5.97 Choose free in-store pickup to avoid shipping costs. [ad_2] Source link

[ad_1] Lok Sabha Speaker Om Birla on Thursday said no word has been banned from use in Parliament and members are free to express their views while maintaining decorum of the House. Birla’s comments came amid a controversy over publication of a booklet by the Lok Sabha Secretariat that listed words such as ‘ashamed’, ‘jumlajeevi’, ‘taanashah’, ‘abused’, ‘betrayed’, ‘corrupt’, ‘drama’, ‘hypocrisy’ and ‘incompetent’ as unparliamentary expressions. “No word has been banned. Members are free to express their views. No one can snatch that right, but it should be as per decorum of Parliament,” Birla told reporters even as the Opposition targeted the government, accusing it of listing every word used by them to “describe how BJP was destroying India” as unparliamentary. Birla said people unaware of parliamentary practices were making all kinds of comments and asserted that legislatures were independent of government. “It is a routine practice continuing since 1959,” he said referring to the release of the booklet compiling lists of words and expressions deemed unparliamentary. Birla said words chosen for expunging have been used by members of the ruling party as well as the opposition. [ad_2] Source link