Tyre&Auto Southbourne Group Review: Get a dependable car service with an excellent team


People at Southbourne have seen the reliable service of Tyre&Auto Southbourne Group for many years. With them, you’ll definitely experience a good car service. The team is also recognised for being benevolent and intelligent in handling the car concerns of their customers.

Tyre&Auto Southbourne Group is careful to details thus delivering trustworthy care to your cars. The managers are also on a top-tier level with their extensive experience in doing car servicing. George Mandair and the other managers are trusted by a lot of people and have been getting good reviews over the years.

Your car-related concerns will be addressed by the company with an amiable and professional approach. Their skills in finding solutions to your problems are beneficial to you and your vehicles as well.

Tyre&Auto Southbourne Group has also built a good reputation in South Coast of Hampshire for they have been involved in the trades there. This family run company can really take care of your car and fix its problems as well as foresee any impending issues.

Tyre&Auto has a lot to offer to their customers and each of their offered services was handled with careful thought. Some of which include brake checks, car servicing, seeking good tyres, MOTs, along with free seasonal checks. You may also reserve your tyres for fitting with their online service, along with a fast tyre quote.

A local collect and a return service were part of their effort in giving convenience to their customers. You may ask them about the service once you booked. You can also discuss with them other concerns regarding your car.

Tyre&Auto entire depots can check your car’s windscreen wipers or can do a full engine overhaul to your vehicle. They also have a range of free service checks. Contact their local depot for more info about their services that involves taking care of your car.

Do you need any expert advice on tyres and servicing? Tyre&Auto Southbourne Group is the place to seek out your answer.



Coalition Against Insurance Fraud: Zero tolerance of fraud?

Strengthening backbone rewards insurers, customers

Zero tolerance is an popular catchphrase for insurers to bandy around. It implies a blanket boycott of dubious claims, the marshaling of an insurer’s full resources at every turn.

In practice, zero tolerance is a moving target. Few insurers can assert they contest every dubious claim. Even the most principled insurers decide which claims to challenge, and which to let slide through.

Focusing limited staff resources on a complex staged-crash ring that’s stealing hundreds of thousands of dollars might make more sense, from an insurer’s standpoint, than taking on a handful of smaller homeowner claims that prosecutors likely aren’t interested in pursuing.

Perhaps paying a $5,000 nuisance claim from a clearly setup fall in a restaurant makes more sense, as an insurer sees it, than spending many times that amount in legals fees to defend against the determined crook’s civil suit. A sympathetic jury could dole out $500,000 to the swindler, who’s faking a convincing limp in court. Just pay off the guy and make his claim go away.

That said, one of best business cases for zero tolerance recently was mapped by former CNA chief claims officer George Fay. He writes movingly in the Journal of Insurance Fraud in America.

“Most claim denials for fraud result in a lawsuit against the company, no matter how solid your case,” George wrote soon after retiring. “A strong anti-fraud position can earn your insurer a reputation within the criminal underworld for being an undesirable target to try and bilk. This principled stance saves legal fees in the long run.”

And helps build customer loyalty: “When you make customers aware of your anti-fraud efforts, they see it for themselves and usually stay with you for life.

Zero tolerance also reflects an insurer’s character, from the leadership down through line staff. “An insurer that knowingly pays a fraudulent claim violates its values statement,” George writes. “And certainly the insurer lacks character. The same is true of insurer employees — from the SIU director to claims personnel to adjusters. Character is critical to building the foundation of successful fraud-fighting efforts.”

Zero tolerance — strengthen your backbone, stop false claims and reap rewards. George Fay writes an inspiring roadmap. Insurers should study that vision closely — your honest policyholders will be glad you did.

About the author: Jim Quiggle is director of communications for the Coalition Against Insurance Fraud.


Most physicians want to focus on practicing medicine and providing quality patient care. They also want to run a successful medical practice, of course, but many prefer to entrust day-to-day business operations to front-office employees—with little or no oversight. Unfortunately, this may leave a practice vulnerable to fraud and significant financial loss.

Practice embezzlement has been on the rise over the past couple of years, according to the Medical Group Management Association. Startlingly, three out of four physicians will suffer some financial loss from employee dishonesty over the lifetime of their practice. To help prevent and detect fraud, medical practices should implement regular audits and internal controls to monitor and guide proper employee conduct.


Identifying the factors that provide the opportunity for fraud to occur is an important part of preventing fraud. According to an Association of Certified Fraud Examiners survey, these factors include:

– Ability to override existing internal controls

– Lack of management review

– Limited number of competent personnel in oversight roles

– Many medical practices are short-staffed, requiring employees to take on a wide range of responsibilities. From the handling of monies from co-pays and insurance reimbursements to processing payroll and reconciling bank accounts to having regular access to cash boxes, there are a number of ways for employees to misappropriate funds. Proper controls are needed to prevent employees from voiding or manipulating transactions such as a charge after it’s posted to the system. It’s also important to properly separate accounting functions, particularly those dealing with cash.


In addition to the above, gaps in the billing system can create openings for fraud such as deletion of co-payments or other patient payments. Additionally, many times cash drawers are unlocked or not fireproof or, even worse, the key to the box is hanging next to the front desk. Below are other common areas that often lack controls and oversight, allowing employees to steal from a medical practice:

– Co-payments aren’t posted to the system at the time a patient checks in or leaves the practice

– Patients are told to pay a higher amount that isn’t consistent with what’s entered into the system

– Cumbersome cash receipt processes

– Credit card machines aren’t closed out by management, allowing employees to make adjustments to their personal accounts

– No payment reconciliation process

– Payments are posted prior to deposit at the bank

– Deposits are made only weekly or as needed

– No cash is posted or deposited the last two days of the month


There are a number of standard procedures you can implement to help your medical practice run effectively and efficiently, including:

– Issue receipts for all payments received.

– Make sure the front desk performs reconciliation prior to close for the day.

– Close out the credit card machine daily, with manager oversight to approve refunds or voids.

– Keep cash boxes in a fireproof safe overnight, and store the key outside the front-office area.

– Define discounts and co-pay collection procedures.

– Implement access controls, such as codes for receipt modules on billing systems.

Regular testing and auditing of internal controls is important to ensure they’re working. Testing should include a review of the procedures related to payments or cash receipts and should follow payments through to bank deposit. It should include the following steps:

  1. Select a sample of receipts.
  2. Test to determine if posted to the patient’s account.
  3. Verify the lag.
  4. Confirm that the amount of the daily deposit matches the dollar amount received per the receipt book.
  5. If the patient receives a discount, confirm that the amount matches the policy.


There are several ways to mitigate fraud in a medical practice. First, it’s important to involve more than one employee in the accounting process. Another important approach is to review a random selection of bank reconciliations and bank statements every few months, ensuring all receipts are generated from the billing system and each is numbered.

Next, the cash till or drawer should be reconciled at the end of each shift. To do this, one person reconciles the account and places it in the safe. The next day another employee can verify the amount and be responsible for depositing it into the bank, using either a bank courier or desktop depositing.

Finally it’s a good idea to implement a process to reconcile the amount posted in the system with the amount deposited in the bank. One way to encourage the consistent integrity of the process is to implement randomly timed surprise audits.


For questions about how to identify improprieties and misconduct at your practice and determine the best internal controls to address these risks and prevent future fraud, contact your Moss Adams health care professional.


Bacall Conniff and Associates Review: The Background of Restaurant Industry

The food service industry has been around for a long time without us realizing that the evolution of this type of business greatly affects everyone over time. The restaurant industry creates a revolutionary impact on industrialization and in the economic system of the world.

In the past, people plant their own food and raised animals for meat. The growth of cities and towns correlates with the birth of restaurants. When people became educated and learned various skills to earn a living, it became unavoidable for them to assign the duty of cooking meals to a person or an enterprise.

The restaurant has boomed because people want to avoid the strenuous task of food preparation all day long. There were menus or options to choose from generally served and eaten on the premises but they also offer take-out and food delivery services.

The remarkable growth of restaurants, like in Singapore, encouraged many people to invest in this kind of business, thus making food choices much more diverse. The success of hamburger and doughnut chains and now, even the simple beverage like coffee caused the expansion of restaurant chains worldwide. The birth of the restaurant affects the lifestyle of many people and the civilization’s economic texture. The increasingly hectic lifestyle of people working makes cooking at home a challenge causing them to order take outs.

A specific type of restaurant such as fast food restaurant, also known as quick service restaurant (QSR) has risen in the past decade offering quick, convenient and inexpensive meals. This commercial establishment’s main goal was to make money ignoring the proper way for nutrition. Some of the foods offered by these commercial establishments are of little nutritional value and often high in fat, sugar, and calories.

But due to the growing wellness and fitness industry, many restaurant chains now started offering healthy alternatives to their customers. This shows that restaurants will surely adapt to changes along with the customers food preferences.

Bacall Conniff and Associates provides accounting and financial services to the restaurant industry making it competitive in the world economy.

Cambridge Associates Asia Singapore: Generating Our Spending Rate

Cambridge Associates Asia Singapore Generating our spending rate

How can we meet our spending needs in the current investing environment?

It hasn’t been easy for institutions to earn what they spend in the past few years. The truth is, the possibility of poor performance for an extended period accompanies almost any investment approach. That’s why it’s important to understand if your business model and risk tolerance are flexible enough to adapt to difficult environments without having to sell off assets at a deep discount. That’s where we can make a difference.  Through an enterprise review, we help you understand what risks you might be taking. We stress test your portfolio and help you see how your investments might behave in different market conditions.  We help set or adjust your investment policy benchmarks accordingly. In the end, we build a portfolio that ties your risk and return objectives more closely to your long-term goals and shorter-term risk tolerances. With this information in hand, you can have open conversations with key stakeholders about whether your investment strategy strikes the right balance between achieving your long-term objectives while meeting short-term spending needs.


This firm’s predecessor, Barnes & Daly, has represented clients on many matters which concern core and fundamental human rights in Hong Kong. Owing to the nature of the issues in concern, many of those cases have become landmark cases, and have contributed to the local jurisprudence, particularly in the area of administrative law.Most of the cases we handle are judicial reviews which frequently concern the interpretation of the HKSAR Basic Law, the Bill of Rights, the extent of the discretionary powers of the Director of Immigration, and draw on international instruments such as the International Convention on Civil and Political



Gutierrez Joseph James, a minor, by Gutierrez Josephine B, also known as Gutierrez Josephine Balando, his mother and next friend v Commissioner of Registration & Registration of Persons Tribunal

GA v Director of Immigration – Right to Work


C, AK, KMF, VK, BF and YAM v Director of Immigration and Another

C, AK, KMF, VK, BF and YAM v Director of Immigration and Another


Michael Keeley: Practice Details

Energy and Commodities Cornerstone Research combines energy and commodities experience with expertise in antitrust, valuation, securities, class certification, and intellectual property litigation. We apply financial and economic analysis to issues that arise in the changing energy and commodities markets, including those related to allegations of market manipulation and price fixing, breach of contract, merger reviews, trading disputes, asset valuation, and environmental impact.


Market Manipulation

Cornerstone Research has been involved in many high-profile energy and commodity market manipulation investigations. The combined experience of our staff and experts in energy markets, antitrust, and finance brings a multidisciplinary approach to the evaluation of market manipulation allegations.

Characteristics of U.S. Natural Gas Transactions

Cornerstone Research has analyzed the Federal Energy Regulatory Commission’s (FERC’s) data on U.S. natural gas transaction activity as supplemented by our proprietary classifications of market participants.


Agricultural Commodities

We have worked on litigation involving a wide range of agricultural commodities, including dairy, grains, tobacco, high-fructose corn syrup, and meatpacking. In these matters, we have analyzed antitrust issues, market manipulation, breach of contract claims, and mergers.

Environmental Impact

Analysis of economic issues and expert testimony on punitive damages form the basis of our work on environmental impact cases. These include litigation involving groundwater contamination, seafood poaching, and product liability.


Our consultants have analyzed the effects of mergers, price-fixing allegations, and other potentially anticompetitive behavior in the energy industry. Such analysis typically requires applying the sophisticated techniques common in antitrust cases.


Cornerstone Research has worked on liability and damages issues in high-profile accounting cases in the energy industry. We address cases with a combination of economic analysis, understanding of industry dynamics, and knowledge of accounting principles.

Finance and Valuation

Building on extensive experience in financial valuation, Cornerstone Research utilizes the financial asset attributes of commodities to develop valuation techniques for energy commodities, assets, liabilities, and risks, and to determine the implications of energy market dynamics for the valuation of firms participating in the industry.

Contract Disputes

We have applied industry expertise to numerous contract disputes involving energy and commodities. The issues involved in these matters include contract pricing provisions, regulatory impact, insurance coverage, and valuation of derivative contracts.