Free Video Downloader

Millions of videos are circling around the Internet’s many platforms such as YouTube, Facebook, Dailymotion, Twitter, etc. Whether it’s audiobooks, tutorials (what with COVID-induced learning from home), or podcasts, it can be spoiled for choice.

Even though we’re able to reach and watch everything we need online, downloading the videos on your device has many benefits. And with benefits comes challenges! Many challenges, such as poor Internet connection and slow buffering, can be overcome by downloading your videos to your device. Moreover, in many places the Internet doesn’t exist. Maybe we’re a bit used to having a perfect connection wherever we go so now we’re a bit stranded when the big wide web is unavailable or erratic.

I’m not really eager to watch low-quality videos that will pause every ten seconds. Once you download everything you want to watch on your device, you don’t have to worry about these headaches anymore. With a video downloader, you can save all of that on your device and access it whenever and wherever you want. You can keep everything you need nicely organized in the same place, study on the go, and not worry about the Internet connection. It boils down to convenience. And of cause you can be that good dude who shares with family and friends.

I have used 4k Video Downloader for more than 5 years now.

Let me not spoil something with my words then: Here it is https://www.4kdownload.com/products/product-videodownloader?r=free_license

4k Video Downloader 4.16.5.4310 Crack Full License Key 2021

Caleb

How to Properly React to a Fraud or Suspicion of Fraud at the Workplace

Introduction

We at Crowe Forensics have found, and are being called upon to attend to, an upsurge in fraud and other white collar misdemeanors at various workplaces in Zimbabwe. This surge has become relentless as of the onset of the COVID-19 pandemic.

On the other hand, Courts have virtually desisted from entertaining any workplace fraud case without a Forensic Audit Report. Though this judicial requirement has always been in existence, it has now almost become obligatory.

It is in view of these developments that Crowe Forensics has found it necessary to forewarn clients and other organisations of the pitfalls of having the Court or public prosecutors order a Forensic Audit when a case is presented before them. The result of such an order will invariably entail a near panic scramble to find qualified Forensic auditors amid tight timeframes.

Be Prepared

Here is a primary action checklist when a fraud is discovered or suspected:

  1. Alert the designated fraud incident go-to person that an allegation or suspicion exists.
  2. Document the date, time and details of initial report or discovery
  3. Take notes of all observations and actions – it’s better to have more notes than less.
  4. Maintain confidentiality
  5. Do not confront the suspect, yet
  6. Write out in full the 5wh checklist of suspected act or wrongdoing
  7. Identify all documentary and other evidence connected to the activity
  8. Overtly obtain proof or evidence of the activity and place in a secure place
  9. Protect evidence from damage or contamination
  10. List each item individually taking note of acquisition and location and where securely stored
  11. Identify all potential witnesses
  12. Secure electronic evidence. Do not go into the suspect/target computer systems – leave the device as it is.
  13. Secure and/or remove suspect’s access to relevant computers and systems. Do not anyone besides a forensic specialist to examine the computer systems
  14. Consider other potential conspirators and extent of fraud.
  15. Alert or approach Crowe Forensics (or any other competent and certified Forensic Auditor) as soon as possible, preferably within 12 hours.

It is therefore our advice to have a trusted Forensic Auditor on call so that advice and assistance can be available at the press of a button.

Caleb Mutsumba, RPA, ACFE

Forensic  Audit Consultant

Mobile / WhatsApp: +263 712 620287/+263 772 466540 

caleb@5wh.co.zw

http://zw.linkedin.com/in/calebmutsumba

Compliments of the Season!

I hope I find you well.

Compliments of the Season!

Here’s a quick note to let you know that as of 1 January 2021 I am becoming part of the Crowe Chartered Accountants family [www.crowe.com/global]. As head of the Forensics Business Unit of Crowe Zimbabwe/Zambia, I nonetheless offer the services of Forensic Auditing, Fraud Examination and Fraud Risk Management as well as all the related chores that we Public Accountants offer. The only difference is that this time around you will have the entire resource base of Crowe, including the global network, at your back and call.

Please feel free to reach out to me so that we may get to deepen our relationship, as well as establish possible linkages.

 Have a merry Christmas and wonderful New Year.

Regards

Five Clear Signs That It Is Time To Upgrade Your AR System

Five Clear Signs That It Is Time To Upgrade Your AR System

Here is another thought loaded input from our friends at tesorio.com

Guest PostsGLEN OLSONDECEMBER 16, 2019

Many companies hesitate to upgrade or change their Accounts Receivable System simply because they feel they can continue to achieve the same results using the same systems and processes as they did five years ago. If you are a smaller company just looking to send a few automated dunning letters and have your AR team identify which invoices are past due, there may be no reason to change. But if your company wants to improve free cash flow and cash conversion cycles, you must be sure your AR system is driving efficiencies in your processes – if you hope to grow without spending significant dollars on headcount.  

In today’s collections environment understanding your customer data is one of the most critical elements in your collections process. If you can’t identify customer payment trends or tendencies, it makes it nearly impossible to predict company cash flow. “Cash is King” which all Controllers and CFOs would agree that if you don’t have enough operating cash flow, you can’t grow your business and you can’t really measure the success of your company.  If your current AR system does not have this DATA readily available at the click of a button, you are behind the times and driving inefficiencies. Here are five examples of inefficiencies that should lead you to re-analyze your current AR system and decide whether it is time for an upgrade. 

See How Tesorio Can Boost Your Cash Flow

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1. More Than 1 Hour Required To Generate Reports 

If your AD HOC reports take you more than 1 hour to prepare for management. Today’s premier AR systems have the ability to sort existing customer data and provide essential reporting in a matter of seconds. I see too many managers spending multiple days to prepare an important report for upper management that could easily be prepared quickly and accurately with a better AR Tool. This is not an efficient use of a managers time, which is probably already stretched to the point of frustration. These types of specialized reports only take managers away from managing their teams, so it is important that these reports are readily available.

2. AR System Can’t Identify Non-Paying Customers 

If your AR system can not easily identify why your customers are not paying you, it is time to re-evaluate if your current system is the right one for you. This is critical information for the business to improve your internal processes, to reduce delays long term, and get your customers to pay you sooner and ultimately reduce your DSO. 

3. AR System Cannot Provide Estimated Payment Times 

If your AR system can not provide you quickly additional expected payments over a period of time (monthly/ quarterly). This is a common ask from Controllers and CFOs, especially at the end of the quarter or month to help predict cash flow and progress towards cash targets. If your system is not up to date, often what happens is managers then need to reach out individually to each collector to get updates on promise to pay dates and reasons for delays to provide any accurate information back to upper management. This project could take days to get this information, when again this information could be provided in a matter of seconds. Some collections systems can even use customers historical payment data and trends and predict payment dates based on how they have paid you in the past. This allows collections teams to be more efficient to help them prioritize and really focus on who they need to follow up with for payment and identifying high risk customers. 

4. Cannot Provide Strategic and One Time Dunning Campaigns

If your company only has the ability to run a dunning campaign based on the number of days past due, and does not allow you to target specific customers types including by region, invoice amount, new customers or high/low risk customers, it may be time to look for a new AR System. Automated Dunning Campaigns targeting specific customer types are critical to allow the collections team to focus on more complicated and time consuming customer issues, while still increasing your cash flow. Many companies need a one time dunning campaign to target a specific customer type. For example, you may want to run a campaign that targets customers who pay by check to help move them over to ACH for faster payments. If your system can’t provide that, you are behind the times in your collections processes and hurting your potential cash flow..

5. Cannot Identify High Risk Past Due Accounts Quickly 

If your current AR Tool does not allow your collections team to identify certain high risk past due accounts quickly, it may be time for a new AR Tool. Some collectors have a hard time identifying what they should focus on a daily, weekly, or even on a monthly basis. Most premier AR Tools allow management to help prioritize collection accounts for their collectors daily and assign specific tasks and work-lists to their collectors. This is critical in helping to drive desired performance from your collections teams to achieve your best results. 

Conclusion: Spend Less Time Reporting, More Time Generating Cash 

If your collections department is spending endless hours preparing manual reports, you are only hurting your company cash flow. I think all managers would agree that they would rather have their collectors focus on collections rather than endless manual reporting. By upgrading your AR systems, your cash flow improvement will be significant enough to allow you to plan for growth and save significant dollars on headcount.

The Art of Thinking Clearly by Rolf Dobelli – Chapter 2

Chapter 2

DOES HARVARD MAKE YOU SMARTER?: Swimmer’s Body Illusion

Professional swimmers don’t have perfect bodies because they train extensively. Rather, they are good swimmers because of their physiques. How their bodies are designed is a factor for selection and not the result of their activities. Similarly, female models advertise cosmetics and thus, many female consumers believe that these products make you beautiful. But it is not the cosmetics that make these women model-like. Quite simply, the models are born attractive and only for this reason are they candidates for cosmetics advertising. As with the swimmers’

bodies, beauty is a factor for selection and not the result. For example, Harvard has the reputation of being a top university. Many highly successful people have studied there. Does this mean that Harvard is a good school? We don’t know. Perhaps the school is terrible, and it simply recruits the brightest students around.

 

Whenever we confuse selection factors with results, we fall prey to the swimmer’s body illusion.

 

Be wary when you are encouraged to strive for certain things – be it abs of steel, immaculate looks, a higher income, a long life, a particular demeanour or happiness. You might fall prey to the swimmer’s body illusion. Before you decide to take the plunge, look in the mirror – and be honest about what you see.

 

See also Halo Effect (ch. 38); Outcome Bias (ch. 20); Self-Selection Bias (ch. 47)

Democracy! Democracy! Democracy!

Revenge of the Deplorables
January 26, 2017

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I’ve been writing a lot recently about global politics and the drivers and implications of the increase in populism. I’m returning to it again this week, not because of Donald Trump’s inauguration, but because of the launch of the latest update of The Economist Intelligence Unit’s Democracy Index, which measures the state of democracy in 167 countries globally. If, like me, you think that democracy is a good thing then 2016 was an unhappy year: the average global score fell from 5.55 out of 10 in 2015 to 5.52 in 2016, with 72 countries recording a lower score and only 38 an improvement.

One of the most notable features of the Democracy Index, which is compiled using the expertise of our team of country analysts, is that the US is now classed as a “flawed democracy” rather than a “full democracy”. The key driver of this is a decline in public trust in democratic institutions to historic lows. Mr Trump’s election was in large part a consequence, not a cause, of this trust deficit, which has been a long time in the making. Promising to “drain the swamp”, Mr Trump tapped the mood of deep popular disaffection with government and elected officials that has been growing in recent years. Across the Atlantic, the UK saw its democracy score increase, as the Brexit referendum led to a marked increase in popular debate and participation.

Democracy-lovers looking for a distraction should check out countries such as Portugal, Cabo Verde, Peru, Madagascar and Tanzania, which have been quietly making progress and improving their democracy scores. Let me know via Twitter @Baptist_Simon or email on simonjbaptist@eiu.com.
Best regards,

Simon Baptist
Chief Economist

http://mkto-k0105.com/VXMs000hmo0C300Xa1I5oK0

Give to Caesar What Belongs to Caesar!

LONDON, July 4 (Reuters) – Zimbabwe hopes to get its proposal to clear debt arrears with multilateral lenders signed off by December, enabling it to start talks with bilateral sovereign lenders. Finance Minister Patrick Chinamasa said Government is looking forward to the three multilateral lenders to formally adopt the country’s debt clearance strategy when they meet in December. In early March, the government agreed to major reforms including compensation for evicted white farmers and a big reduction in public sector wages in an effort to woo back international lenders.

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The Southern African country’s foreign debt stands at $8.3 billion, of which $1.8 billion is arrears. Zimbabwe is one of the few countries in arrears with the IMF. Countries are required to clear all arrears with multinational lenders before engaging in talks with other creditors. Zimbabwe owes around $110 million to the International Monetary Fund, which it hopes to clear against a special drawing rights (SDRs) allocation of around $130 million, Chinamasa said at a briefing at London-based think-tank Chatham House.

Britain’s joke politics

It is hard to pinpoint the exact moment in the last eight days at which Britain’s politics became officially more absurd than America’s. Last week’s Brexit vote, shocking as it was, was just the starting gun. Since then both the Labour and the Conservative party leaderships have collapsed. The “Leave” campaign has swiftly backtracked(paywall) on its promises. Labour’s Jeremy Corbyn, after enduring a stunning no-confidence vote, appeared to compare Israel with the Islamic State. The Conservatives’ Boris Johnson, the cheerleader of Leave and presumed next prime minister, bowed out after beingstabbed in the back by his own sidekick, Michael Gove. And a leaked letter from Gove’s wife exposed the Tory party’s leading figures as little more than the puppets of media barons.

The US primary season was by turns hilarious and horrifying, but it fulfilled its purpose: There are now the requisite two candidates for president, and the one who is a racist liar with no idea of how to govern is pretty unlikely to win. Britain has no credible leadership on any side, nor are there any clues as to where it might emerge. With astounding swiftness, the UK has replaced the US as the political laughingstock of the world.

This compounds the disaster of the referendum itself. If, as some hopeful pundits speculate, Brexit may yet be halted, it will take extraordinary leadership to mollify the pro-Leave voters who will feel cheated. If Brexit goes ahead, it will take equally extraordinary leadership to steer the economy through its impacts, and to negotiate new trade deals with an unforgiving EU and other countries. (Perhaps they should appoint Donald “I make great deals” Trump as chief negotiator.)

When Trump was on the ascendancy in America, many British politicians could hardly hide their smug disdain. How hollow that looks now.—Gideon Lichfield

http://qz.com/tophttp://qz.com/top

 

 

Fraud in Non-Profit Organisations

“I wrote an article on this a few years ago and interviewed a few experts on fraud in non-profits and why it tends to go undetected for so long. One theory was that non-profits are too trusting and assume that people who work for them respect the spirit of charity that the organization is built on. Unfortunately this isn’t always the case and a lack of internal controls combined with the limited staffing typical of non-profits makes it easier for employees in accounts to steal. Accounts payable fraud seems to be among the most prevalent, possibly due to situations where due to staffing limitations, one employee is responsible for too many financial tasks without checks and balances. If you’re interested in reading the article, you can find it here: Fraud in Non-Profits

Dawn Lomer