• cryptocurrency
    特朗普签署行政令,推动401(k)退休计划引入加密货币与私募股权投资 特朗普8月7日签署行政命令,可能允许401(k)退休计划投资加密货币、私募股权和房地产。劳工部将在180天内重新审查相关指导,撤销拜登时期的加密投资警告。支持者称此举增加投资灵活性,帮助退休储蓄增长;但批评者警告雇主需谨慎,因受托责任下风险和诉讼压力增加。根据调查,仅16%的美国劳动者确信不会在退休后用尽储蓄,51%担忧资金不足。 2025年8月7日,美国总统唐纳德·特朗普签署一项行政令,要求美国劳工部(DOL)和证券交易委员会(SEC)重新评估并修订相关法规,使401(k)等固定缴款型退休计划可投资包括加密货币、私募股权、房地产在内的另类资产。此举旨在“促进受托人在资产配置上的灵活性,打破一刀切的投资限制”。 劳工部长Lori Chavez-DeRemer在声明中表示,该行政令支持政府消除“不公平的一刀切做法”,为退休计划管理提供更广泛的投资选择。特朗普政府在声明中强调,此举是推进美国在数字资产领域保持领先地位的重要步骤。 然而,该政策引发了市场和监管专家的高度争议。Betterment at Work产品副总裁Edward Gottfried指出,401(k)投资必须符合受托责任,包括合理的费用结构和与市场回报相符的业绩表现,“私人证券和加密资产很难满足这些标准,雇主应谨慎推进。” 非营利组织“私募股权利益相关者项目”政策总监Chris Noble更是直言,该举措可能对数百万美国劳动者的财务安全构成重大风险。他警告称,历史上曾有私募基金收购医院、零售商等企业后导致破产的案例,“将此类高风险投资引入退休金计划是鲁莽的决定。” 此次行政令延续了特朗普政府自上任以来对加密货币的支持政策。今年5月,DOL撤销了拜登时期要求401(k)计划对加密资产投资保持“极度谨慎”的指导意见,并明确表示对是否纳入加密资产保持中立态度。上月,特朗普签署《GENIUS法案》,为稳定币建立监管框架,白宫称此举将帮助美国引领全球数字货币革命。 业内人士预计,相关监管细则将在未来数月内陆续出台,雇主、资产管理机构及计划参与者需密切关注政策变化及潜在风险。
    cryptocurrency
    2025年08月14日
  • cryptocurrency
    FlexJobs 分享 20 个远程求职骗局以及 2024 年安全求职的关键提示 强烈推荐了解一下,HR要避免出现类似骗局的招聘信息。随着远程和混合工作需求的增加,FlexJobs分享了2024年20种常见的远程工作诈骗,并提供了安全求职的建议。文章强调了在当前就业市场中,骗子利用AI和社交媒体等新工具和方法盗取个人和财务信息的现象。为了保护求职者,FlexJobs展示了诈骗职位描述的语言和呈现方式,强调了识别职位描述、面试过程和社交媒体上的诈骗警告标志的重要性。文章结束时,给出了如何保持安全的建议,包括研究公司和联系人、直接联系公司以及立即报告欺诈活动。 Remote work, AI developments add to expanding employment scams in today's job marketplace BOULDER, Colo., March 5, 2024  Work-from-home jobs have long been a target for scammers seeking access to personal and financial information, and with the demand for remote and hybrid work, the number of online job scams has steadily increased. According to the Better Business Bureau (BBB), employment scams ranked as the second riskiest in recent years, with a 23% increase in reported cases. In honor of National Consumer Protection Week on March 3-9, and to help professionals stay safe in their job search, FlexJobs® has shared 20 remote job scams and advice on how to job search safely in 2024. "With scammers using new tools and methods of phishing for personal and financial information, it's more important than ever before that job seekers stay vigilant to the latest online career scams," said Keith Spencer, Career Expert at FlexJobs. "When in doubt, walk away––if you feel like a job may be a scam, it's not worth finding out the hard way," Spencer added. 20 Common Remote Job Scams in 2024 1. AI-Generated Job Postings and Fake Company Websites2. Cryptocurrency Exchanges and Ponzi Schemes3. Posing as a Legitimate Company or Job Board4. Using Fake URLs, Photos, and Company Names5. Gaining Access to Personal Financial Information6. Recruitment Over Social Media7. Posing as Recruiters with ATS-Compliant "Services"8. Communicating Through Chat9. Phishing Attacks Over Text Message10. Google Docs Inviting or Mentioning11. Paying for Remote Work Equipment12. Data Entry13. Pyramid Marketing14. Stuffing Envelopes from Home15. Wire Transfers16. Unsolicited Job Offers17. Online Reshipping18. Rebate Processor19. Assembling Crafts/Products20. Career Advancement Grants Notably, social media and technology advancements like AI have created new avenues for fraud. For example, one of the latest scams uses AI to create fake job postings and company profiles or websites that collect money directly from applicants and steal sensitive personal information. Scammers can also take to social media platforms to target potential victims and steal information with attractive job offers or involve them in multi-level marketing schemes. In addition to sharing the 20 newest and most common remote job scams, FlexJobs' remote work experts have provided examples of job postings that demonstrate the language and presentations of scams. They stress the importance of knowing the latest warning signs of a scam in job descriptions, interviews, and across social media. Job Scam Warning Signs: Job Descriptions The job posting uses words that are probably too good to be true, such as "quick money," "unlimited earning potential," or "free work-from-home jobs" The job claims to pay a lot of money for little work The company boasts several rags-to-riches stories that showcase high-flying lifestyles The job description is unusually vague The job posting mentions quick money or drastic income changes overnight The job posting has glaring grammatical or spelling errors The product is supposedly endorsed by celebrities or public figures The contact email address is personal (e.g., johnsmith3843@gmail.com) or one that mimics a real company's email address (e.g., johnsmith@dellcomputercompany.com) The job requires several up-front expenses from candidates Job Scam Warning Signs: Interviews Candidates get a message from a generic company email address – Recruiters use the job board or social media platform to communicate with candidates instead of their personal email addresses. The interview is alarmingly short – Job scammers don't want to conduct lengthy interviews and will offer candidates the job immediately. Legitimate recruiters want to establish a relationship, verify applicants' work experience, and ask for references. The entire interview process is done without speaking to a live person – Not speaking to a live person or including text or online chat tools is a red flag. Most legitimate companies don't reach out to recruit via text unless a candidate already applied on the company's site and opted to receive text messages. The candidate is asked for personal information or money – Sensitive information (like a social security number, date of birth, or bank account information) should never be a part of the early recruitment process. Legitimate employers and hiring managers don't require an application fee or expect candidates to pay for training. The interview is with a "mystery company" – Legitimate employers will always disclose the name of the company to candidates. Candidates are offered the job quickly – Often with a job scam, candidates are offered the role without a recruiter or HR verifying their work experience or asking for references. Pay is based on recruiting – Particularly with pyramid and other scams, a worker's compensation is based on how many people they recruit. Job Scam Warning Signs: Social Media Unclear or unrelated comments from a stranger – No matter what kind of post or which platform it appears on, if comments are enabled, scammers may appear in a job seeker's comments section. They commonly post a random message unrelated to the subject, then try to get users to directly message them (often by clicking a link) about an "amazing opportunity." Posts shared on an individual's feed or in their direct messages – Scammers will post or direct message people in hopes of getting them to take the bait on a job scam. When a scam appears on social media, report it. Never click any links or engage with these posts in any way. While anyone can fall prey to job scams, there are a few other things workers can do to stay safe: Research the company and contacts – What results do you get when searching [Company Name] + scam? Workers can also use the Better Business Bureau's scam tracker to review companies. Connect directly with the company – Go directly to the company website and see if the job is posted on their jobs page. Report fraudulent activities immediately – If a scam has been found, report the scam to organizations like the BBB and FTC. Please visit https://www.flexjobs.com/blog/post/common-job-search-scams-how-to-protect-yourself-v2/ or contact Shanna Briggs at shanna.briggs@bold.com for more information. About FlexJobsFlexJobs is the leading career service specializing in remote, hybrid, and flexible jobs, with over 135 million people having used its resources since 2007. FlexJobs provides the highest-quality database of vetted remote and flexible job listings, from entry-level to executive, startups to public companies, part-time to full-time. To support job seekers in all phases of their career journey, FlexJobs also offers extensive expert advice, webinars, and other resources. In parallel, FlexJobs works with leading companies to recruit quality remote talent and optimize their remote and flexible workplace. A trusted source for data, trends, and insight, FlexJobs has been cited extensively in top national outlets, including CNN, the Wall Street Journal, the New York Times, CNBC, Forbes magazine, and many more. FlexJobs also has partner sites Remote.co and Job-Hunt.org to help round out its content and job search offerings. Follow FlexJobs on LinkedIn, Facebook, Twitter, Instagram, TikTok, and YouTube.
    cryptocurrency
    2024年03月05日