Top Story: Apple customers targeted with massive email scam by Oakmere Road

There’s been an alarming number of phishing scams identified this year and these emails are getting more clever and realistic than ever.


The latest phishing email you need to keep an eye out for disguises itself as an iTunes email. Much like the Amazon phishing scam we showed you, this email claims that you have been overcharged for a download purchase, $25 for one song, which is usually $1.99 or less, or $45 for the Netflix app.


The email will show you a very official-looking billing statement and will encourage you to click a link that says, “Cancel andx Manage Subscriptions.” But, because you’re a reader, you’ll notice the typo in the link and know that’s red flag number one.


Whatever you do, don’t click that link. It could take you to a malicious site that can steal all of your valuable information, then it’s game over.


If you think you really might have been overcharged, check your bank statements first before clicking any links.


Just being in the know about these emails is step one. There are other steps you can take to keep yourself safe from these phishing attempts. If you see an email like this in your inbox:


– Be sure to exercise caution before you click on anything. Hover over any links and see where they direct before you click. If the links provided go to a website, don’t click it. Navigate to the company’s site yourself without the link.

– Take some time and try to spot the typos.

– If you’re not sure that you can spot the signs, click here to take our phishing IQ test to see how many stand out to you.

– Practice multi-level authentication, which means you have at least two forms of verification, such as a password and a security question before you log into any sensitive accounts.

– Another thing is to have an internet security system. We recommend our sponsor Kaspersky Lab. Software from Kaspersky Lab can recognize and block ransomware. Even if it’s a new version or unknown version of a ransomware, Kaspersky Lab can figure out that the program is doing something it shouldn’t. Kaspersky Lab will stop it from running and will roll back any files that were encrypted to a previous non-encrypted version. Of course, Kaspersky Lab software also helps filter out and warn you about phishing scams, so your odds of downloading a ransomware virus are slim. Get this protection, and so much more, with Kaspersky Total Security.


International Financial Securities Regulatory Commission: Reporting by undertakings with listed securities

The Transparency Directive prescribes for Member States to set out rules for issuers with securities admitted to trading on an EU regulated market so that they disclose certain key information about their operation. With such a transparency, European issuers build sustained investor confidence and contribute to the capital market union.


Legal framework

Basic acts

– Directive 2004/109/EC of the European Parliament and of the Council of 15 December 2004 on the harmonisation of transparency requirements in relation to information about issuers whose securities are admitted to trading on a regulated market and amending Directive 2001/34/EC (Directive 2004/104/EC) – consolidated version including subsequent amendments


Other acts

– Equivalence of third country accounting standards: Read more (Later)


Other acts

– Commission Delegated Regulation (EU) 2015/761 of 17 December 2014 supplementing Directive 2004/109/EC of the European Parliament and of the Council with regard to certain regulatory technical standards on major holdings (Regulation 2015/761/EU)

– Commission Recommendation of 11 October 2007 on the electronic network of officially appointed mechanisms for the central storage of regulated information referred to in Directive 2004/109/EC of the European Parliament and of the Council (notified under document number C(2007) 4607) (Recommendation 2007/657/EC)

– Commission Directive 2007/14/EC of 8 March 2007 laying down detailed rules for the implementation of certain provisions of Directive 2004/109/EC on the harmonisation of transparency requirements in relation to information about issuers whose securities are admitted to trading on a regulated market (Directive 2007/14/EC) – consolidated version including subsequent amendments

2016 FT/IFC Transformational Business Awards And Conference by International Financial Securities Regulatory Commission

The FT/IFC Transformational Business Awards and Conference celebrate innovative initiatives that contribute to significant progress in sustainable development around the world.


This year, the events built on the momentum generated by the United Nations’ 2015 Climate Change Conference (COP 21). One focus was on the challenges climate change bring to developing economies, particularly in urban areas, and on groundbreaking private sector solutions that are addressing those threats or have the potential to do so.


Global thought leaders from the public and private sector also debated the role that the private sector can play in meeting the recently adopted Sustainable Development Goals—in particular the targets around food security and health—and how new technology and disruptive models can be applied to tackling global challenges. The awards also reflected these themes.


The two events took place on June 9, in London.





Clean City Transit, China and Europe

Based primarily in China, Microvast have developed, manufactured, and sold battery power solutions to 10,000 electric buses in 26 provinces across China and four European countries. Their latest development is an ultra-fast charging battery pack, MVPACK, specifically designed for use in cars, with a battery life that matches the life of the vehicle. The convenience of this environmentally friendly energy solution is expected to encourage and contribute to the mass adoption of affordable electric vehicles, and the long-term electrification of urban transport systems.



Piramal Sarvajal, India

Piramal Sarvajal designs and deploys innovative technology to ensure safe water access for India’s rural villages. The company installs local, remotely tracked water purification systems, and has built a strong network of “water ATMs”, solar-powered, cloud-connected vending machines that dispense water for villagers at the swipe of a smart card. As the ATMs track every transaction that takes place, they enable sophisticated market forecasting and 24-hour access to water, as well as the possibility to provide targeted subsidies to certain villages through government-run programs.



Marine Protected Areas, Seychelles

NatureVest’s restructuring of the Seychelles’ sovereign debt has converted a portion of this debt back into a local currency payment stream, to be used to support conservation in the local area. The restructuring provides $281,000 per year for marine conservation activities, and will also see the Seychelles increase its marine protected area in return. This collaboration is the first time that private investment capital has been used to finance a debt-for-nature swap, proving that this model is viable and replicable as a conservation method.



Farmerline MERGDATA, Ghana

Farmerline’s technology enables communication with farmers in rural areas that would be otherwise out-of-reach due to barriers in connectivity, literacy, or language. MERGDATA is available via voice technology in local languages, and provides information including agricultural tips, weather data, and market pricing to farmers even in low-connectivity areas.

Farmerline has also developed technology to improve the efficiency of the agricultural value-chain, including GPS mapping of plot size and systems to facilitate mobile money payments.



Kwara State Health Insurance, Nigeria

In order to improve access to primary healthcare—particularly maternal—for the people of rural Kwara, the PharmAccess Foundation has joined forces with the Kwara State Government, insurance company Hygeia Community Health Care, and the Health Insurance Fund. By educating communities about maternal and child care through outreach programs and mobile health initiatives, and facilitating access to this care by enrolling women and children in the subsidized health insurance program, Pharma Access has had a demonstrable impact on local trust in hospitals and health care.



New Taipei City, Taiwan

New Taipei City is a newly established municipality circling Taiwan’s capital Taipei City. The vision of the city reform is to build a “Livable City” that identifies and accommodates the needs of its people. Innovative policies have included the Happiness Protection Station, where children of disadvantaged families get free meal boxes in convenience stores, and the Department of Social Welfare can then collect the data and reach out to the families in need.

This experiment in modern-age urbanization is citizen-oriented and has encouraged public participation in effective governance, inviting members of the public to be part of committees in major policy areas to enable citizens’ input at every stage of policy planning.


The International Financial Securities Regulatory Commission was established to promote investor confidence in the securities and capital markets by providing more structure and government oversight.


Gantz Associates: Practice Areas

“Injustice anywhere is a threat to justice everywhere.” – Martin Luther King, Jr.

Gantz Associates is dedicated to providing legal counsel at affordable rates to Michigan residents in these practice areas:

Foreclosure Prevention

Consumers can avoid unnecessary foreclosures and stop foreclosure “rescue” scams that promise the world in exchange for your money. Gantz Associates helps homeowners explore the real options available to keep your home and interact with your lender in a lasting and mutually beneficial way. Our approach is unique and proven – we will help you keep your home at all costs, whenever possible. “We will not make promises we can’t keep,” says Adam Gantz. “If we can’t help you, we will tell you the truth.”


Filing for bankruptcy can be a saving grace to help you resolve debts in a manageable way. Bankruptcy law is one way to allow those in debt to free themselves from financial mess and start with a clean slate. At Gantz Associates, we guide our clients toward the best form of bankruptcy for their situation and help them get back on their feet. Gantz Associates guides clients in filing for Chapter 7 bankruptcy (where you wipe out your debt and walk away) and Chapter 13 bankruptcy (which enables you to save your home and build a repayment plan).

Social Security Disability

If you cannot work due to disability, you may be eligible to receive social security payments. We will help you determine whether benefits are your due and help you attain them. Even if federal agencies have denied a claim in the past, we will pursue a better outcome.

Estate Planning, Probate Administration, Probate Litigation

An estate plan provides for care of your family after your death as well as management of your finances and debts. Whether you’re looking to create an estate plan or implement the plan of a departed loved one, Gantz Associates can help. We provide thorough estate planning services, from the creation of a will to a more complete trust package, which includes a will, trust, durable power of attorney for health care and medical expenses and more. We are experts in federal and state law regarding estates and guide our clients toward the best possible outcomes.

Personal Injury

From traffic accidents to slip-and-falls to assault claims, dog bites, auto accidents and more, Gantz Associates represents a variety of personal injury lawsuits. Personal injury includes instances of negligence that can result in long-term injury or loss of function.

Debt Settlement and Credit Repair

Gantz Associates are experts in debt arbitration, negotiation and credit settlement and can help clients repair bad credit reports through Fair Credit Reporting Act litigation. We successfully negotiate outcomes with regard to client debt so that both debtor and creditor agree on a manageable payment plan.

Criminal Law

Criminal law refers to a wide array of crimes a person can be accused of, ranging from traffic matters to assault to theft to domestic violence and drunken driving. Gantz Associates represents clients in all areas of criminal law.

Family Law

Family law includes any domestic matters that require legal resolution, including divorce, spousal abuse, annulment, prenuptial agreements, paternity, personal protection orders, juvenile adjudication and child custody, among other matters.

Employment Law

Gantz Associates can represent you in issues related to opportunities for gainful employment such as age or sex discrimination, sexual harassment, disability discrimination, Equal Opportunities for gainful employment, violations of the Family Medical Leave Act, hiring practices and other matters related to the workplace.

Corporate Formation and Support

Looking to start a company? We’ll help you create the legal structure of your new business to protect personal assets from liability and support you as you grow.

Commercial Litigation

We work with clients on the legal matters related to day-to-day business operations including contracts and related disputes, vendor, subcontractor and franchise matters and independent contractor protection.

Real Estate Law

From preparing closing documents to guiding clients through real estate transactions, Gantz Associates guides every step of the legal process to acquire or sell property, including boundary disputes, tax foreclosure, damage to real property, adverse possession and easements.

IRS Defense

Gantz Associates represents clients in IRS matters, including inquiries and claims, showing our clients the best possible defense toward their specific case and helping them save money in the resolution process and negotiating settlements.


If you feel a prior legal outcome was not the best result, Gantz Associates can guide you toward appealing the first decision and resolving the matter anew.