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According to a recent article published by NBC News, buy information pills Ransomware is now officially a Billion-dollar-a-year crime and GROWING!
If you werent already aware, this Ransomware is this: A family of malware that blocks access to a PC, server or mobile device, or encrypts all the data stored on that machine. It’s typically delivered via malicious email or infected third-party websites. In order for the user to recover access to their PC or to their files, they are demanded to pay a ransom.
Ransom payments are growing exponentially. In 2015 alone they totaled up to $24 million, and by the end of 2016 totaled 1 billion dollars. Yes, you read that right. Its almost as if its the Gold Rush of the modern day. And its expected to keep getting even worse. Digital Security experts explained [to NBC News] that this type of malware is getting increasingly sophisticated, and the encryption claiming the data is unbreakable. The victim is forced to pay.
At a time like this, its critical that businesses back up their data in order to prepare for a ransomware attack. Recently, there was a study released by IBM that surveyed 600 business leaders. According to the survey, 70 percent of the businesses that were infected with ransomware had paid the ransom in order to repossess their files. It also indicated that one-quarter of those businesses would be willing to pay upwards of tens of thousands of dollars to regain their data. Unfortunately, with attacks like these, there is no guarantee that paying the ransom will unlock the files. Law enforcement discourages victims from paying the ransom, but many businesses confronted with an attack feel they have no choice.
So, all of this begs the question How can I protect myself? First of all, be extremely cautious of suspicious emails and links. Think before you click. Most ransomware attacks are delivered through infected links or attachments. Second, have a strong backup solution in place where your data is properly stored and have a regular backup routine. Lastly, beef up your security software and make sure to establish proper password policies. Remember, this could happen to anyone. Our team has been seeing incidents more frequently than ever in the last several months. Best to be prepared!
If you would like to get more information, or to get a free consultation to help protect your business, please contact us at (952) 928-1788.
Article: http://www.nbcnews.com/tech/security/ransomware-now-billion-dollar-year-crime-growing-n704646
By Michael Knoll
Aside from various blog and forum posts regarding the Windows 10 Creators Update (Update 1703), there we have seen some real-life issues with the Creators Update. These are not life threatening to your Windows 10 operating system, but they can range from just plain annoying to temporarily crippling.
When our first customer reported issues after the Creators update, they couldnt see any text in Windows Explorer. I was able to get my hands on one of the two computers which encountered this issue. I was able to trace the behavior back to an incompatibility with a software which manages printing. When the software was disabled from startup, the text returned to Windows Explorer.
Another customer experienced some issues where the Settings app, notifications, Cortana, and start menu didnt work. This customer hadmany business line software applications, for which the path of least resistance was to reload the operating system.
Other clients have reported printers disappearing and printer drivers needing to be changed over to universal drivers.
Bottom line is this: If anyone experiences strange behavior after the latest Windows update, pleasereach out to us before taking any drastic actions. We will be able to get you back to normal in no time!
By Michael Knoll
Aside from various blog and forum posts regarding the Windows 10 Creators Update (Update 1703), what is ed we have seen some real-life issues with the Creators Update. These are not life threatening to your Windows 10 operating system, sickness but they can range from just plain annoying to temporarily crippling.
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Another customer experienced some issues where the Settings app, notifications, Cortana, and start menu didnt work. This customer hadmany business line software applications, for which the path of least resistance was to reload the operating system.
Other clients have reported printers disappearing and printer drivers needing to be changed over to universal drivers.
Bottom line is this: If anyone experiences strange behavior after the latest Windows update, pleasereach out to us before taking any drastic actions. We will be able to get you back to normal in no time!
By Michael Knoll
Aside from various blog and forum posts regarding the Windows 10 Creators Update (Update 1703), link we have seen some real-life issues arise. These are not life threatening to your Windows 10 operating system, nurse but they can range from just plain annoying to temporarily crippling.
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Another customer experienced some issues where the Settings app, notifications, Cortana, and start menu didnt work
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Welcome to our website which serves as a personal brochure for Wells & Wells, P.A. whose shareholders are Thomas O. Wells, J.D., LL.M. in Taxation, CPA, and Diane Noller Wells, J.D. This website includes articles, seminars, firm profile, resume, awards, designations and sample client representations as to the legal practice of the shareholders of Wells & Wells, P.A.
Thomas O. Wells helps entrepreneurs protect and maximize their assets. He provides tax, transactional, wealth and estate planning legal services to his clients and has extensive experience in representing entrepreneurs and high net worth individuals in the formation, operation and sale of their companies, estate and wealth preservation planning and minimization of taxes. He has an LL.M. in Taxation from the Graduate Tax Program at the University of Florida College of Law (where he graduated second in his class) and is Board Certified in Tax Law by The Florida Bar. He is also a member of the Florida Institute of Certified Public Accountants and has an AV rating (which is the highest rating) with Martindale Hubbell. He is a former Adjunct Professor in the Graduate Estate Tax Program at the University of Miami School of Law teaching partnership and other flow-through entity taxation and was selected as outstanding CPA of the Year in Business and Industry in 1999.
Diane Noller Wells helps clients in the areas of creditor rights, collections, bankruptcy, litigation and transactional matters. Diane has been recognized by her peers as a leading attorney including being named to the list of (a) Best Lawyers in America for Bankruptcy and Creditor-Debtor Rights, (b) Florida Super Lawyers for Bankruptcy, and (c) Top Lawyers in South Florida for Corporate and Business Litigation. She has received the highest rating (AV) from Martindale Hubbell. In 2011, Diane was voted as one of the top 50 women practicing law in Florida by Florida Super Lawyers Magazine. Diane is active in the Business Section of The Florida Bar, including serving as its Chair in 2006 and 2007, and recently assisted in redrafting the proceedings supplementary law in Florida which creditors use to collect upon their debts. Diane clerked for the Honorable Judge George L. Proctor, United States Bankruptcy Judge, Middle District of Florida, and is admitted to practice law in Florida, South Carolina, the United States Southern District Court of Florida and the United States Eleventh Circuit Court of Appeals. Diane is a former partner of Steel Hector & Davis and left that firm to found Devine Goodman Rasco & Wells, P.A. where she practiced for 17 years.
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Welcome to our website which serves as a personal brochure for Wells & Wells, P.A. whose shareholders are Thomas O. Wells, J.D., LL.M. in Taxation, CPA, and Diane Noller Wells, J.D. This website includes articles, seminars, firm profile, resume, awards, designations and sample client representations as to the legal practice of the shareholders of Wells & Wells, P.A.
Thomas O. Wells helps entrepreneurs protect and maximize their assets. He provides tax, transactional, wealth and estate planning legal services to his clients and has extensive experience in representing entrepreneurs and high net worth individuals in the formation, operation and sale of their companies, estate and wealth preservation planning and minimization of taxes. He has an LL.M. in Taxation from the Graduate Tax Program at the University of Florida College of Law (where he graduated second in his class) and is Board Certified in Tax Law by The Florida Bar. He is also a member of the Florida Institute of Certified Public Accountants and has an AV rating (which is the highest rating) with Martindale Hubbell. He is a former Adjunct Professor in the Graduate Estate Tax Program at the University of Miami School of Law teaching partnership and other flow-through entity taxation and was selected as outstanding CPA of the Year in Business and Industry in 1999.
Diane Noller Wells helps clients in the areas of creditor rights, collections, bankruptcy, litigation and transactional matters. Diane has been recognized by her peers as a leading attorney including being named to the list of (a) Best Lawyers in America for Bankruptcy and Creditor-Debtor Rights, (b) Florida Super Lawyers for Bankruptcy, and (c) Top Lawyers in South Florida for Corporate and Business Litigation. She has received the highest rating (AV) from Martindale Hubbell. In 2011, Diane was voted as one of the top 50 women practicing law in Florida by Florida Super Lawyers Magazine. Diane is active in the Business Section of The Florida Bar, including serving as its Chair in 2006 and 2007, and recently assisted in redrafting the proceedings supplementary law in Florida which creditors use to collect upon their debts. Diane clerked for the Honorable Judge George L. Proctor, United States Bankruptcy Judge, Middle District of Florida, and is admitted to practice law in Florida, South Carolina, the United States Southern District Court of Florida and the United States Eleventh Circuit Court of Appeals. Diane is a former partner of Steel Hector & Davis and left that firm to found Devine Goodman Rasco & Wells, P.A. where she practiced for 17 years.
The combined efforts, knowledge and experience of Tom and Diane Wells allow our firm to provide advice to clients in transactions, income and transfer tax planning, litigation, collection matters, asset protection, secured lending and creditor rights.
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This article focuses on reducing the interest rate of an intrafamily sale installment note due to the decline in the applicable federal rate subsequent to such sale. In addition, this article reviews the tax law and decisions in reducing the principal indebtedness of such note when the property that was sold has subsequently declined in value. There is little tax law on this issue so it is cutting-edge and it is a controversial subject among sophisticated estate planning attorneys. This planning should be considered by anyone that has done a sale to a grantor trust pursuant to an installment note and the property that was sold has substantially decreased in value.
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Thomas O. Wells helps entrepreneurs protect and maximize their assets. He provides tax, transactional, wealth and estate planning legal services to his clients and has extensive experience in representing entrepreneurs and high net worth individuals in the formation, operation and sale of their companies, wealth preservation planning and minimization of taxes.
As an example of this representation, in 1997, Mr. Wells developed a unique, proprietary method of transferring Florida real estate that with an outstanding mortgage to minimize Florida documentary stamp taxes and maintain the confidentiality of the purchase price for ad valorem tax purposes. Mr. Wells has obtained 5 Letters of Technical Assistance from the Florida Department of Revenue as to this proprietary planning. Over the past 10 years, this planning has been used in real estate transactions with an aggregate value of approximately $250 million by mezzanine lenders to acquire a real estate development, in sale-leaseback arrangements, in a developer’s transfer of common areas to a homeowners’ association and in other real estate sale transactions.
With an AV-rating from Martindale-Hubbell, Mr. Wells is recognized as a leading attorney by the South Florida Legal Guide for Corporate, Partnership, Income & Estate Taxation, by Florida Trends as a member of the Florida Legal Elite for Taxation, by Corporate Counsel as Best Lawyers in America for Taxation and by Florida Super Lawyers magazine for Business/Corporate Planning. He is a Board Certified Tax Law Lawyer with The Florida Bar, was named the Outstanding CPA of the Year for 1999 in Business and Industry in Florida by the Florida Institute of Certified Public Accountants (“FICPA”) and has served on the Board of Governors of the FICPA; as President of the Dade County Chapter of the FICPA; and as President of The Greater Miami Tax Institute. He was named as the Top Dealmaker in 2007 in Real Estate – Retail/Entertainment by the American Law Media’s Daily Business Review for his representation of the seller in the Dania Jai Alai sale.
He is the author of “Chapter 4: Asset Protection Provided with Florida Business Entities” in Asset Protection in Florida (1st, 2nd and 3rd Ed.) published by The Florida Bar in 2008 and revised in 2011 and 2013. He has written articles on many topics, including Florida Supreme Court Surprises Practitioners with LLC Charging Order Opinion published by the BNA Estate, Gifts and Trust Journal in September, 2010, Tax Consequences of Reducing the Principal and/or Interest of a Note Issued in an Intrafamily Sale by a Grantor Trust published by The Florida Bar Journal in December, 2009, Accelerating Losses in an Assignment for the Benefit of Creditors published by The Florida Bar Journal in November, 2008, Profits Interest – Converting Compensation to Capital Gains and Other Planning Ideas published by The Florida Bar Journal in December, 2007, Asset Protection Proofing Your Limited Partnership or LLC for the Bankruptcy of a Partner or Member published by The Florida Bar Journal in January, 2007, Achieving Capital Gains Treatment on Pre-Development and Post-Development Real Property Appreciation published by The Florida Bar Journal in April, 2006, Sale of Personal Goodwill – The Executive’s Parachute, published by The Florida Bar Journal in March, 2005, Analysis of Asset Protection Plans for Physician Practice Groups, published by The Florida Bar Journal in March, 2004, Domestic Asset Protection Trusts – A Viable Estate and Wealth Preservation Alternative, published by The Florida Bar Journal in May, 2003, Protecting Your Most Valuable Asset: Intellectual Property published by IT Professional in March, 2001, The New Limited Liability Company in Florida published by The Florida Bar Journal in July, 1999, and Asset Protection in the Partnership Context: What’s All the Hoopla? published by The Florida Bar Journal in Feb., 1994. He was a co-author of “Chapter 2: Drafting Antenuptial Agreement” in Drafting Marriage Contracts in Florida (3rd Ed.) published by The Florida Bar in 1994 and revised in 1999.
He has lectured on issues affecting entrepreneurs and their businesses, including Executory Contracts at the Asset Protection Committee Meeting of the American College of Trust and Estate Counsel (“ACTEC”) in June, 2012, The Latest on Florida LLC and Limited Partnership Law and Strategies Update for the Tax Section of The Florida Bar in May, 2012, Olmstead: The Case, the “Fix” and the Continuing Problems at the ACTEC Florida Fellows Meeting in August, 2011, Charging Order Status and Planning After Olmstead for the RPPTL Section of The Florida Bar in November, 2010, Charging Order Protection at the Asset Protection Committee Meeting of the ACTEC Fall Meeting in October, 2009, Material Tax Issues in Healthcare at The Florida Bar’s 2008 Health Law Certification Review Course in March, 2008, FLP’s, LLC’s and LLLP’s – Status after BAPCPA and Ehmann at The Florida Bar’s Creative Estate Planning Ideas You Should Be Thinking About When No One is Paying You to Think About Them in November, 2007, The New Bankruptcy Act and Its Impact on Asset Protection Planning at The Florida Bar’s 2006 Annual Wealth Protection Conference in May, 2006, Asset Protection after BAPCPA: Testing the Limits at the American Bankruptcy Institute’s 24th Annual Spring Meeting in April, 2006, Structuring Entities for Physician Group Practices at the FICPA’s Annual Healthcare Conference, in April, 2005, Sale of Personal Goodwill and New IRC 409A for Nonqualified Deferred Compensation Plans, at The Greater Miami Tax Institute in Dec., 2004, Analysis of Asset Protection for Physicians at The Greater Miami Tax Institute in Sept., 2003, Domestic Asset Protection Trusts – How They Work and Should Our Clients Use Them at the Greater Ft. Lauderdale Tax Council in Oct., 2002, Buying and Selling Businesses in Florida, for NBI in Sept., 2002, Using FLPs, FLCs, LLPs and LLLPs in Florida at The Florida Bar’s Annual Wealth Protection Planning Conference in May, 1999, and Negotiating the Acquisition Agreements at The Florida Bar’s Mergers and Acquisition Conference in Nov., 1998.
From 1999 to 2001, Mr. Wells successfully assisted in the creation, operation, funding and sale of b4bpartner, Inc., an e-sign and Internet document management company. He was a presenter at the 2000 Florida Venture Forum Conference and the 2001 VentureOne Premiere Conference and guided the company through several equity rounds. He briefly served as general counsel to iLumin Corporation, a VC-backed e-signature company.
Mr. Wells received his undergraduate degree from The Citadel (cum laude) in 1985, his J.D. from the University of South Carolina School of Law in 1988, and his LL.M. in Taxation from the University of Florida College of Law Graduate Tax Program in 1992 graduating second in his class. He served as an Adjunct Professor in the Graduate Estate Tax Program at the University of Miami School of Law teaching Partnership and Pass-Through Entity Taxation.