Chris Lau - Seeking Alpha

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Saturday, June 20, 2015

Making $100,000 in Annual Income

Though the proverbial "Make x $$$!" sounds like spam, it is possible for leveraged investors to generate income on a lower exposed tax bracket.

Applying 2.85 percent prime yields -$28,500 in interest costs annually.
Invest proceeds of the one million dollars in blue chip stocks that yield between 3 - 5 percent.
The dividend - interest rate spread is up to 2.15 percent, or $21,500 a year.

Apply a 30 percent tax bracket and the after tax income is around $100,000 a year (10% a year return).

Exclusive premium research is available for investors interested in more ideas. Long only and zero leverage.

Status: Portfolio based on premium research is beating the markets this month by over 2.5 percent.


Friday, February 06, 2015

How to Protect Social Security numbers from a Data Breach

  • Anthem (NYSE:ANTM) stored the social security numbers of 80M customers without encrypting them to make it easier for employees to track health care trends and share data with states and health providers, WSJ reports.

Any sensitive database should have the social security number protected through encryption and better yet, held separately from the primary database through foreign keys. Most databases support mechanisms to protect this sensitive information (even from Sysadmin accounts), particularly if data requests are made from off premise networks. This shows complete disregard for the sensitive information of their customers - plain and simple. With this type information, it will be very hard for a customer to be alerted if their info is being used (eg payment fraud, etc). One year of protection is certainly not enough, IMHO.