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Home Depot has filed a federal lawsuit against Visa Inc. and MasterCard Inc., alleging that the card companies are using security measures prone to fraud, putting retailers and customers at risk of hacking attacks by cyber thieves, reports the Wall Street Journal.
Home Depot said chip cards rolled out in the United States in recent years are less secure than chip cards used in Europe and elsewhere in the world. The reason: PIN. Even with the embedded chip, U.S. chip cards still require a customer signature for verification rather than the added layer of protection provided by a 4-digit PIN.
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Consumer Reports
The news that Home Depot is suing MasterCard and Visa for allegedly forcing consumers to use unsecure credit cards raises the question: Wasn't the whole point of the new chip-embedded cards to make payments safer? Given the delays the chip scanners are causing at checkout counters, you'd certainly hope so.
The answer is yes, the new cards were supposed to improve security. However, the Home Depot suit and a similar one recently filed by Walmart against Visa claim that the system was executed poorly, leaving credit card transactions vulnerable to fraud.
Here's what you need to know.
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Small Business Trends
Small business owners are busy. It's difficult to focus the right amount of attention on all facets of your business when you've got both offline and online operations to juggle. It's no surprise mistakes are made along the way. But, with 9 out of 10 U.S. consumers using the internet to look for local goods and services and research a potential purchase, one mistake you can't afford to make is neglecting your online presence.
Here are a few common errors that many small businesses make online, and what you can do to help make sure your business is on the right track.
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Associated Builders and Contracts, Inc. via For Construction Pros
Construction backlog among the nation's largest contractors now stands above 12 months, a record for the series, according to Associated Builders and Contractors. The biggest firms with the greatest capacity to attract talent have been able to accept work that others have to turn away in a market that has stabilized at a comfortable level but still faces a skilled worker shortage.
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The Jobsite
All the headlines are talking about the same thing: construction labor shortage.
But the labor shortage is not actually new at all, and now spans more than two decades. There are economic and industry factors at play which keep the labor issue from being resolved.
By 1999, what had begun as regional and local shortages expanded nationally. "Causes of the Construction Skilled Labor Shortage and Proposed Solutions," published by the Associated Schools of Construction, reported that 92 percent of national construction firms said they had shortages of skilled labor, and 85 percent said their workers didn't have all the skills necessary for the market.
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Bloomberg
New-home construction in the U.S. was little changed in May, a sign the residential real-estate industry will add little to economic growth in the second quarter.
Housing starts in May fell 0.3 percent to a 1.16 million annualized rate from a 1.17 million pace the prior month, a Commerce Department report showed recently in Washington. The median forecast of 77 economists surveyed by Bloomberg was 1.15 million. Permits, a proxy for future construction, were also little changed from April.
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Construction Dive
Any discussion about foreign workers and immigration will almost immediately spark a heated debate. Bringing foreign workers into the country to fill positions that some believe should be reserved for Americans is a hot-button issue in particular.
However, the flurry of political opinions surrounding the topic might have camouflaged the facts around these worker programs, including how much impact they have on American workers, especially in the construction industry.
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Business Insurance
The U.S. Occupational Safety and Health Administration has started the process for a potential — and some argue long overdue — Noise in Construction standard.
The potential standard was included on OSHA's regulatory agenda published last month, with the agency planning to issue a request for information in November to gauge the effectiveness and feasibility of adopting more protective noise-hazard requirements.
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